State: Connecticut Filing Company: Aetna Life Insurance Company

Transcription

1 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: Product Name: Project Name/Number: / Filing at a Glance Company: Product Name: State: TOI: Sub-TOI: Filing Type: Aetna Life Insurance Company 2014 CT HIX Filing Connecticut H15I Individual Health - Hospital/Surgical/Medical Expense H15I.001 Health - Hospital/Surgical/Medical Expense Rate Date Submitted: 05/29/2013 SERFF Tr Num: SERFF Status: AETN Closed-Withdrawn State Tr Num: State Status: Co Tr Num: Implementation Date Requested: Author(s): Reviewer(s): 01/01/2014 Disposition Date: 08/05/2013 Disposition Status: Bruce Campbell, Rick Rizzo, Josephine Williams, Joseph bochicchio, Linda Peach, Xiaofang Liu, Eric Bebyn Paul Lombardo (primary) Withdrawn Implementation Date: 01/01/2014 State Filing Description: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense 2014 CT HIX Filing PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

2 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: Product Name: Project Name/Number: / General Information Project Name: Project Number: Requested Filing Mode: Review & Approval Explanation for Combination/Other: Submission Type: New Submission Status of Filing in Domicile: Date Approved in Domicile: Domicile Status Market Type: Individual Individual Market Type: Individual Overall Rate Impact: Filing Status Changed: 08/05/2013 Deemer Date: Submitted By: Joseph bochicchio H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense 2014 CT HIX Filing State Status Changed: Created By: Joseph bochicchio Corresponding Filing Tracking Number: PPACA: Non-Grandfathered Immed Mkt Reforms PPACA Notes: null Exchange Intentions: This filing is for the Connecticut Exchange, Access Health CT. Filing Description: We enclose, for your Department's review, a rate filing which will be offered in the State of Connecticut by Aetna Life Insurance Company effective January 1, This filing provides details of the premium rate development and the resulting proposed monthly premium rates for calendar year This rate filing supports a Qualified Health Plan (QHP) application offered through the Connecticut Exchange, Access Health CT. The health benefit plans included in this filing comply with all Connecticut benefit requirements and rating regulations, as well as those associated with Federal Health Care Reform H.R the Patient Protection and Affordable Care Act (PPACA). Company and Contact Filing Contact Information Joseph Bochicchio, 151 Farmington Ave Hartford, CT Filing Company Information Aetna Life Insurance Company 151 Farmington Avenue Hartford, CT (860) ext. [Phone] BochicchioJ@aetna.com [Phone] CoCode: Group Code: 1 Group Name: FEIN Number: State of Domicile: Connecticut Company Type: State ID Number: Filing Fees Fee Required? Retaliatory? Fee Explanation: No No PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

3 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Correspondence Summary Dispositions Status Created By Created On Date Submitted Withdrawn Paul Lombardo 08/05/ /05/2013 Objection Letters and Response Letters Objection Letters Response Letters Status Created By Created On Date Submitted Responded By Created On Date Submitted Change Request Change Request Requesting Additional Information Paul Lombardo 07/29/ /29/2013 Bruce Campbell 08/02/ /02/2013 Paul Lombardo 07/22/ /22/2013 Joseph bochicchio 07/26/ /26/2013 Paul Lombardo 07/02/ /02/2013 Joseph bochicchio 07/09/ /09/2013 Requesting Paul Lombardo 06/07/ /07/2013 Joseph bochicchio 06/27/ /27/2013 Additional Information Filing Notes Subject Note Type Created By Created On Date Submitted Guranteed Availablity of On-Exchange products, for the off-exchange market Note To Filer Paul Lombardo 07/09/ /09/2013 age 64+ factor Note To Filer Paul Lombardo 06/24/ /24/2013 PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

4 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Disposition Disposition Date: 08/05/2013 Implementation Date: 01/01/2014 Status: Withdrawn HHS Status: HHS Deferred State Review: Reviewed by Actuary Comment: Please review attached disposition. Company Overall % Overall % Written # of Policy Written Maximum % Minimum % Company Rate Indicated Rate Premium Holders Affected Premium for Change Change Name: Change: Change: Impact: Change for for this Program: this Program: (where req'd): (where req'd): this Program: Aetna Life Insurance Company New Product % % % % Percent Change Approved: Minimum: % Maximum: % Weighted Average: % Schedule Schedule Item Schedule Item Status Public Access Supporting Document Actuarial Memorandum Yes Supporting Document Consumer Disclosure Form Yes Supporting Document Actuarial Memorandum and Certifications Yes Supporting Document Unified Rate Review Template Yes Supporting Document Market Head Cover Letter Yes Supporting Document Actuarial Cover Letter Yes Supporting Document (revised) Actuarial Memorandum Yes PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

5 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Schedule Schedule Item Schedule Item Status Public Access Supporting Document Actuarial Memorandum Yes Supporting Document (revised) Exhibit A - Actuarial Value and Product Summary Yes Supporting Document Exhibit A - Actuarial Value and Product Summary Yes Supporting Document (revised) Exhibit B - Age Factors Yes Supporting Document Exhibit B - Age Factors Yes Supporting Document Exhibit B - Age Factors Yes Supporting Document (revised) Exhibit C - Rating Area Factor Support Yes Supporting Document Exhibit C - Rating Area Factor Support Yes Supporting Document (revised) Exhibit D - Historic Experience Yes Supporting Document Exhibit D - Historic Experience Yes Supporting Document (revised) Exhibit E - Trend Support Yes Supporting Document Exhibit E - Trend Support Yes Supporting Document Exhibit E - Trend Support Yes Supporting Document (revised) Exhibit F - Rate Development Yes Supporting Document Exhibit F - Rate Development Yes Supporting Document (revised) Exhibit G - Morbidity Adjustments Yes Supporting Document Exhibit G - Morbidity Adjustments Yes Supporting Document (revised) Exhibit H - MLR Projection Yes Supporting Document Exhibit H - MLR Projection Yes Supporting Document Actuarial Memorandum and Certifications Yes Supporting Document Unified Rate Review Template Worksheets Yes Supporting Document (revised) Rates Yes Supporting Document Rates Yes PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

6 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Schedule Schedule Item Schedule Item Status Public Access Supporting Document Rates Yes Supporting Document Objection Dated June 7, 2013 Yes Supporting Document Objection Dated July 2, 2013 Yes Supporting Document Change Request Dated July 22, 2013 Yes Supporting Document CT Exchange Rates Withdrawal Letter Yes Rate (revised) CT Rates Yes Rate CT Rates Yes PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

7 STATE OF CONNECTICUT INSURANCE DEPARTMENT Finding of Facts Aetna Life Insurance Company Individual HIX 2014 Rate Filing 1. This rate filing is for plans issued in the individual market in conjunction with Aetna s Qualified Health Plan (QHP) application in Connecticut beginning January 1, The rates comply with all rating guidelines under federal and state regulation. The filing covers plans on and off the Connecticut Exchange, Access Health CT. 2. Connecticut experience: Earned Incurred Loss Expected Actual/ DOS Premium Claims Ratio Loss Ratio Expected CY , , % n/a n/a CY ,777,729 1,122, % n/a n/a CY ,829,519 4,218, % 57.9% CY ,218,411 6,396, % 59.9% CY ,914,681 12,327, % 64.1% CY ,341,327 18,250, % 66.8% CY ,427,876 26,616, % 68.7% CY ,947,674 38,060, % 68.5% Total 177,916, ,097, % n/a n/a This filing is for new policy forms. While there is no applicable experience for these products, the above individual experience forms the basis for the rate development. Incurred claims used in the rate development include a provision for claims incurred but not reported (IBNR). The IBNR reserve is estimated using actuarial principles and assumptions that consider historical and projected claim submission patterns, historical and projected claim processing time, medical cost trends, utilization of health care services, claim inventory levels, changes in membership and product mix, seasonality, and other relevant factors. For the experience period, we include two months of runoff to reduce the reliance on reserve estimates for the most recent months. The IBNR reserves represent approximately 1.6% of claims for our individual business during the experience period. P.O. Box 816 Hartford, CT An Equal Opportunity Employer

8 3. Unit Cost and Unit Cost Trend (Small Group) Category CY 2011 CY 2012 Trend Inpatient Services $15, $16, % Outpatient Services $1, $1, % Physician Services $ $ % Other Services $ $ % Pharmacy $88.05 $ % Total $16, $18, % 4. Utilization (per 1,000 members) and Utilization Trend (Small Group) Category CY 2011 CY 2012 Trend Inpatient Services % Outpatient Services % Physician Services 4, , % Other Services 2, , % Pharmacy 4, , % Total % 5. Normalized Paid Claim PMPM (Small Group) Service CY 2011 CY 2012 Trend Inpatient Services $64.23 $ % Outpatient Services $36.95 $ % Physician Services $72.19 $ % Other Services $44.13 $ % Pharmacy $35.24 $ % Total $ $ %

9 6. Unit Cost and Unit Cost Trend (Individual) Service CY 2011 CY 2012 Trend Hospital Inpatient $21, $20, % Ambulatory Facility $1, $1, % Emergency $1, $1, % Specialist Physician $ $ % Primary Physician $ $ % Radiology $ $ % Lab $91.45 $ % Home Health $ $ % Mental Health $ $ % Medical Pharmacy $ $ % Pharmacy Rider $57.55 $ % Total N/A N/A 4.1% 7. Utilization (per 1,000 members) and Utilization Trend (Individual) Service CY 2011 CY 2012 Trend Hospital Inpatient % Ambulatory Facility % Emergency % Specialist Physician 2, , % Primary Physician 1, , % Radiology % Lab 1, , % Home Health % Mental Health % Medical Pharmacy % Pharmacy Rider 5, , % Total N/A N/A 0.4% 8. Normalized Paid Claim PMPM (Individual) Service CY 2011 CY 2012 Trend Hospital Inpatient $31.96 $ % Ambulatory Facility $14.02 $ % Emergency $3.57 $ % Specialist Physician $25.04 $ % Primary Physician $10.94 $ % Radiology $9.22 $ %

10 Lab $5.75 $ % Home Health $0.43 $ % Mental Health $5.50 $ % Medical Pharmacy $8.21 $ % Pharmacy Rider $11.65 $ % Total $ $ % 9. Aetna has projected an average annual medical trend of 10% from the experience period to the pricing period, this falls between the Small Group trend of 11.6% and the Individual trend of 7.8%. Please note that when looking at Connecticut specific claim experience, large claims in 2011 have skewed results causing trend in 2011 to be much higher than average and trend in 2012 to be much lower than average. The 2-year annualized trend for CY 2012 is 5.8% without the impact of durational deterioration, which is worth another 2%, for an overall trend of 7.8%. The experience is normalized for demographics, benefit, and large claims. The historical unit cost trends include changes in provider and service mix. 10. Aetna does not explicitly measure changes in medical technology trend, the impact of benefit buy-downs or the impacts of cost sharing leverage on trend. 11. The proposed retention charge is 26.99%, this was developed from the following items: 1. Taxes and Fees of 9.69% comprised of: a. Premium Taxes of 2.06% b. Patient Centered Outcome Research Fund of $2.00 per member per year, converted to.05% c. Reinsurance Contribution of $5.25 PMPM, converted to 1.44% d. Health Insurer Fee of 2.6% i. 1.7% paid post-tax as Health Insurer Fee ii. 0.9%, charged as a corporate tax of 35% on the 2.6% pre-tax charge e. Exchange User Fee of 1.9%. This is assuming a 3.5% Exchange User Fee applicable to 53% of total membership enrolling through Access Health CT. f. Federal Income Tax of 1.62%, assuming 35% tax rate g. Risk Adjustment Program Fee of 0.2% 2. Commissions of 3.5% of premium 3. General Administrative Expenses of $39.26, converted to 10.8% of premium based upon an expected average premium level. Of the above total general administration expenses, a. 0.6% is classified as Quality Improvement Activities under 45 CFR Part 158 b. Salaries and employee benefits and welfare programs are 50% of total c. Licensing Fees are 0.2%

11 4. After-Tax Risk Charge of 3.00% These prospective expenses are based on historical expense levels and the changes expected with the requirements of PPACA and Access Health CT. The risk charge of 3% is in line with the amount allowed in the risk corridor calculation. 12. The projected loss ratio for these products is 73.0%. This is consistent with the effective retention target of 27.0% of premium. The 2014 federal MLR expected for this product is 81.5%. This estimate does not include a credibility adjustment and is based on projected 2014 experience for plans that comply with the ACA market reform requirements. Below is a table detailing the calculation: Individual Formula a) Member Months n/a b) Premium (pmpm) $ c) Medical cost (pmpm) $ d) Medical Benefit Ratio (MLR) 73.01% = c / b e) Quality Improvement Activities (pmpm) $2.18 = b x 0.6% f) Taxes and Fees (pmpm) $35.23 = b x 9.69% g) Adjusted Premium $ = b f h) Adjusted Claims $ = c + e i) Medical Loss Ratio (MLR) 81.5% = h / g Medical costs are net of reinsurance recoveries estimated at $26.90 pmpm, 9.2% of incurred claims. Spending on quality improvement activities is estimated to be 0.6% of premium. Taxes and fees are estimated to be 9.69% of premium. 13. The average morbidity level for the Catastrophic plan is estimated to be approximately 25% lower than that of a similar Bronze plan. 14. As a result of PPACA, it is anticipated that utilization patterns in the Connecticut individual market will follow those of the small group market going forward. As such, Aetna has used its normalized small group experience for the period January 1, 2012 through December 31, 2012 to determine the proposed rating area factors. 15. Access Health CT does not permit tobacco to be used as a rating factor and as such was not considered in the determination of these rates. 16. Based on Aetna s individual experience, they estimate that billing for no more than three dependents under age 21 requires a 0.6% increase to the base rate.

12 17. The premium for each billable member is calculated as: Market Base Rate x Age Factor x Area Factor x Plan Factor 18. As of 12/31/12, the capital and surplus is approximately $3.3 billion. 19. The durational adjustment measures the impact that medical underwriting has on the expected claims for a block of business. Under ACA, a medically underwritten block would be expected to pay into the Risk Adjustment (RA) program pool as the morbidity will be better than average. With our block of business in CT, we ve seen significant membership growth and very good claims performance while holding rate changes below expected claim trends. This would also be indicative of a block that would need to contribute under the RA program. We have used the durational adjustment as an estimate for the better morbidity in our base experience relative to the market average. The calculation of the duration adjustment reflects the difference in expected loss ratio and the target lifetime loss ratio. For example, the expected loss ratio of our business during the experience period was 69.37%, whereas our target lifetime loss ratio is 75.0%. Therefore, the durational adjustment is calculated as (.7500 /.6937), or The base premium rate for the benchmark Silver plan is $ This base premium forms the basis for developing premium rates for all other plans discussed in this filing. 21. A number of public comments from an actuarial consulting firm were received, they are documented below: The rate filing appropriately reflects a moderate 1.17% savings expected through new provider contracting arrangements. The rate filing includes comments regarding new medical management programs intended to reduce costs over time. However, no adjustment was made to the rates to reflect any savings in The base data used in the development of the premium rates was based on data from November 2011-October 2012, rather than on calendar year Most carrier rate filings Wakely has reviewed in CT and other states use calendar year 2012 as the basis for rate development. When questioned about the difference between the base data used and calendar year 2012, Aetna CT stated that using calendar year 2012 would result in approximately 1-2% higher premium rates. Aetna indicated the base data included in the rate development included both grandfathered and non-grandfathered business. ACA provisions require that the rate development be adjusted to a non-grandfathered experience level. In response to Wakely s questions regarding whether the data had been adjusted to a non-grandfathered level, Aetna indicated that they believed all of the factors and adjustments used brought the data to a non-grandfathered level.

13 Exhibits F and G of the rate filing included a 44.7% adjustment to reflect increased morbidity in the projected population. Increased population morbidity is consistent with the results of the SOA study on the impact of newly insured on the CT individual market. However, the adjustment included in the rate filing far exceeds the SOA study estimate of 28.8% for Connecticut, as well as the national average of 31.9% from the SOA study. In addition to the morbidity adjustment, the filing included an additional 4.4% increase for pent-up demand as well as a durational adjustment of 8.1%. The durational adjustment was described as an adjustment to move the experience loss ratio to the anticipated loss ratio in These adjustments can essentially be viewed as additional adjustments to reflect the increased claims cost (i.e., poorer health status) of the expected population. The three items together (morbidity, pent-up demand and duration adjustment) result in an increase in the index rate of more than 63%, which is significantly higher than any of the health status related adjustments of the other carriers. Exhibit F indicated that Aetna applied an annual trend rate of 10%. This is at the top of the range of trend assumptions Wakely observed in the individual rate filings. In addition, the trend rate exceeds the range of national projected health care expenditure increases from 2012 to 2016 (which range from 2.8% to 7.9% and include the estimated impact of the ACA), as projected in the National Health Expenditure Projections released by CMS. The CT health exchange assessment is 1.35%. Aetna CT used 1.9% in the rate development. Aetna CT has indicated they intend to re-file the rate filing to correct this issue. Aetna CT included a post-tax profit margin of 3% of the required revenue. This amount is consistent with the profit margins Wakely observed among the carriers. Wakely requested, and was provided by Aetna, support for all rating assumptions used in the development of the rates. Wakely Conclusions Overall, Aetna CT rating assumptions seem to be significantly higher than the other filings in the Connecticut individual market. Our observations suggest some changes to the assumptions may be appropriate: Trend rates are significantly higher than other carriers and national averages. This suggests that it may be appropriate to reduce annual trend assumptions. Wakely noted that the most recent CID correspondence requested that Aetna reduce the annual trend rate to 8.5%. The adjustments for health status are extremely high as compared to other carriers in the individual market. Wakely noted in the most recent CID correspondence that Aetna was requested to remove the durational

14 adjustment of 8.1%. In addition, it seems appropriate to suggest that the morbidity adjustment of 44.7% be reduced to be within the range of the lowest of other carriers (4.5%) to a maximum of the SOA study amount (28.8%). The correct CT health exchange assessment of 1.35% should be included in the rates. Aetna indicated that they will be correcting this issue in the revisions to their rate filing. Wakely appreciates the opportunity to provide public comment to CID regarding the rate filings. Department Summary As the Department continued to review this rate filing, Aetna Life Insurance Company submitted the following response to a CID change request: We have appreciated the chance to work with the Connecticut Insurance Department for the past months on a variety of key issues regarding ACA implementation. We continue our analysis of Aetna s overall company strategy, including the impact of our Coventry acquisition upon our larger business priorities. As the Department is aware, this acquisition closed in May, after our Exchange QHP application was submitted to the State. We have spent considerable time identifying those states in which we can be competitive and add the most value to the market. As a result of our analysis, we have reluctantly concluded that we will withdraw our Individual Exchange filings in Connecticut for Please be assured this is not a step taken lightly, and was made as part of national review of our Exchange strategy. We recognize there are many unknowns for all of us in this environment and we sincerely appreciate all of the hard work you and your team have put into making the Connecticut Exchange a success. We look forward to continuing to work together and will evaluate exchange participation in future years. Department Disposition Based upon the finding of fact and the summary information described above, this rate filing is withdrawn as requested by Aetna Life Insurance Company. Dated August 5, Paul Lombardo, A.S.A., M.A.A.A. Insurance Actuary

15 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: Product Name: Project Name/Number: / Objection Letter Objection Letter Status Change Request Objection Letter Date 07/29/2013 Submitted Date 07/29/2013 Respond By Date 07/30/2013 Dear Joseph Bochicchio, Introduction: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense 2014 CT HIX Filing Please be advised that after further internal discussion, the Department stands by it's original change request. Make the appropriate revisions and submit updated rates to reflect all the changes required in the 7/22/13 change request. Thank you in advance for your cooperation. Conclusion: Sincerely, Paul Lombardo PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

16 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: Product Name: Project Name/Number: / Objection Letter Objection Letter Status Change Request Objection Letter Date 07/22/2013 Submitted Date 07/22/2013 Respond By Date 07/29/2013 Dear Joseph Bochicchio, Introduction: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense 2014 CT HIX Filing As the Departments review is still ongoing, please revise the rate filing to reflect the following changes: 1) Reduce annual trend from the proposed 10.0% to 8.5%. 2) Remove the 8.1% durational adjustment as the Department is not allowing risk adjustments in the first year of pricing. A more thorough explanation will be provided once the review of the filing has been completed and a final disposition is complete. Conclusion: Sincerely, Paul Lombardo PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

17 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: Product Name: Project Name/Number: / Objection Letter Objection Letter Status Objection Letter Date 07/02/2013 Submitted Date 07/02/2013 Respond By Date 07/16/2013 Dear Joseph Bochicchio, Introduction: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense 2014 CT HIX Filing Requesting Additional Information Thank you for your response to the initial CID questions. Below are follow-up questions/comments in support of the rate filing: 1) What would the impact to the index rate be if the grandfathered experience was excluded? 2) Explain what is meant by a durational adjustment. 3) Based on a number of CMS calls and oral guidance the Department is requiring that all products offered on the exchange be offered off the exchange on a guaranteed issue basis. If Aetna can provide written confirmation from CMS that is contrary to this we will consider changing this requirement. Thank you in advance for your cooperation. As a side note, I will be out of the office from July 11 and returning on July 22. Conclusion: Sincerely, Paul Lombardo PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

18 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: Product Name: Project Name/Number: / Objection Letter Objection Letter Status Objection Letter Date 06/07/2013 Submitted Date 06/07/2013 Respond By Date 06/21/2013 Dear Joseph Bochicchio, Introduction: Requesting Additional Information Please provide a response to the attached CID questions pertaining to the rate filing. Conclusion: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense 2014 CT HIX Filing Sincerely, Paul Lombardo PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

19 CID Questions/Comments Aetna Life Insurance Company 2014 Individual Rate Filing June 7, Provide premium rates in a.pdf file format. 2. Provide an updated Exhibit E that shows CY 2011 and CY 2012 unit cost and utilization. This data should be provided for the small group and individual CT markets separately. 3. State of CT premium tax is 1.75% by statute; explain the premium tax of 2.06% outlined in the filing. 4. Why does the relationship between the proposed individual area factors, in Exhibit C-1, differ from the relationship between the normalized CT small group area factors that are used as the basis for the calculation? 5. In one section of the rate filing it states that the experience period is 11/1/2011 to 10/31/2012 and in the Part III Actuarial memorandum it states that the experience period for claims is CY 2012 with paid through February Explain 6. What is the current spread of renewals by month for the current block of Aetna individual business? 7. Review exhibit F-2 line 25), the Department believes this is mislabeled and should just state risk adjustment rather than the 3 R adjustments. 8. The single risk pool concept specifically excludes grandfathered experience, yet it appears that this was used to develop the experience period base which is then used as a basis for the rating period. Explain 9. In exhibit F-2, line 5) states that the Guaranteed Issue morbidity adjustment is and the uninsured pent-up demand in line 8) is The population risk morbidity adjustment in the Unified Rate Review Template (URRT) Part 1 is Explain the difference. 10. Provide more detailed support for the Other adjustment found in the URRT Part The CT Exchange has identified that the exchange user fee should be 1.35% of earned premium, this filing has the exchange user fee set at 1.9%, explain the difference. 12. The filing states that the following two plans will only be offered on the exchange, Premier 1000 PD (Gold Plan) and CT Aetna AdvantagePlus 5500 PD (Bronze), pursuant

20 to federal guidance, the Department believes that all plans offered in the exchange must be offered outside of the exchange. Please confirm your understanding of this issue. 13. Provide more detail on the development of the reinsurance recoveries.

21 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Response Letter Response Letter Status Submitted to State Response Letter Date 08/02/2013 Submitted Date 08/02/2013 Dear Paul Lombardo, Introduction: Response 1 We have appreciated the chance to work with the Connecticut Insurance Department for the past months on a variety of key issues regarding ACA implementation. We continue our analysis of Aetnas overall company strategy, including the impact of our Coventry acquisition upon our larger business priorities. As the Department is aware, this acquisition closed in May, after our Exchange QHP application was submitted to the State. We have spent considerable time identifying those states in which we can be competitive and add the most value to the market. As a result of our analysis, we have reluctantly concluded that we will withdraw our Individual Exchange filings in Connecticut for Please be assured this is not a step taken lightly, and was made as part of national review of our Exchange strategy. We recognize there are many unknowns for all of us in this environment and we sincerely appreciate all of the hard work you and your team have put into making the Connecticut Exchange a success. We look forward to continuing to work together and will evaluate exchange participation in future years. Bruce T. Campbell, FSA, MAAA Senior Actuary Changed Items: Supporting Document Schedule Item Changes CT Exchange Rates Withdrawal Letter CT Exchange Rates Withdrawal Letter.pdf No Form Schedule items changed. No Rate/Rule Schedule items changed. Conclusion: Sincerely, PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

22 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Bruce Campbell PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

23 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Response Letter Response Letter Status Submitted to State Response Letter Date 07/26/2013 Submitted Date 07/26/2013 Dear Paul Lombardo, Introduction: Response 1 Attached is our response to your change request dated July 22, Please note that we have also included the additional non-qhp plans in this filing and referenced the new form number in the filing. Changed Items: PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

24 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

25 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Previous Version Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Exhibit E - Trend Support PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

26 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Previous Version Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

27 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf Previous Version Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT_IVL_39159_Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Change Request Dated July 22, 2013 CT Individual Objection Response Letter.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

28 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

29 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Previous Version Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Exhibit E - Trend Support PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

30 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Previous Version Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

31 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf Previous Version Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT_IVL_39159_Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Change Request Dated July 22, 2013 CT Individual Objection Response Letter.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

32 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

33 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Previous Version Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Exhibit E - Trend Support PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

34 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Previous Version Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

35 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf Previous Version Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT_IVL_39159_Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Change Request Dated July 22, 2013 CT Individual Objection Response Letter.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

36 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

37 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Previous Version Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Exhibit E - Trend Support PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

38 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Previous Version Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

39 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf Previous Version Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT_IVL_39159_Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Change Request Dated July 22, 2013 CT Individual Objection Response Letter.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

40 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

41 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Previous Version Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Exhibit E - Trend Support PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

42 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Previous Version Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

43 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf Previous Version Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT_IVL_39159_Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Change Request Dated July 22, 2013 CT Individual Objection Response Letter.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

44 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

45 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Previous Version Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Exhibit E - Trend Support PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

46 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Previous Version Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

47 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf Previous Version Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT_IVL_39159_Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Change Request Dated July 22, 2013 CT Individual Objection Response Letter.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

48 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

49 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Previous Version Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Exhibit E - Trend Support PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

50 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Previous Version Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

51 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf Previous Version Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT_IVL_39159_Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Change Request Dated July 22, 2013 CT Individual Objection Response Letter.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

52 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

53 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Previous Version Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Exhibit E - Trend Support PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

54 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Previous Version Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

55 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf Previous Version Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT_IVL_39159_Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Change Request Dated July 22, 2013 CT Individual Objection Response Letter.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

56 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

57 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Previous Version Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Exhibit E - Trend Support PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

58 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Previous Version Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

59 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf Previous Version Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT_IVL_39159_Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Change Request Dated July 22, 2013 CT Individual Objection Response Letter.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

60 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

61 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Previous Version Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Exhibit E - Trend Support PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

62 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Previous Version Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

63 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf Previous Version Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT_IVL_39159_Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Change Request Dated July 22, 2013 CT Individual Objection Response Letter.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

64 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Previous Version Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

65 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Previous Version Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Exhibit D - Historic Experience Exhibit D - Historic Connecticut Experience.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Exhibit E - Trend Support PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

66 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Previous Version Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

67 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Previous Version Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf Previous Version Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT_IVL_39159_Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Change Request Dated July 22, 2013 CT Individual Objection Response Letter.pdf No Form Schedule items changed. PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

68 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Rate/Rule Schedule Item Changes Item Affected Form No. Document Name Numbers Rate Action Rate Action Attachments Date Submitted (Separated with Information commas) 1 CT Rates HIXGR , GR- New CT_IVL_39159_Rates. 07/26/ SB 01 pdf, By: Joseph bochicchio Previous Version 1 CT Rates HIXGR New CT_IVL_39159_Rates. 05/29/2013 xml, By: Joseph bochicchio Conclusion: Sincerely, Joseph bochicchio PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

69 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Response Letter Response Letter Status Submitted to State Response Letter Date 07/09/2013 Submitted Date 07/09/2013 Dear Paul Lombardo, Introduction: Response 1 Attached is a response to your objection letter sent July 2, We are still researching the answer to your third objection, we will be following up shortly with a response. Changed Items: Supporting Document Schedule Item Changes Objection Dated July 2, 2013 CT Exchange Filing Objection Response_ pdf No Form Schedule items changed. No Rate/Rule Schedule items changed. Conclusion: Sincerely, Joseph bochicchio PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

70 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Response Letter Response Letter Status Submitted to State Response Letter Date 06/27/2013 Submitted Date 06/27/2013 Dear Paul Lombardo, Introduction: Response 1 Attached are our responses to your objection dated June 7, Note we have also revised our age factors per your request. Changed Items: PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

71 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Objection Dated June 7, 2013 PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

72 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / CT Exchange Filing Objection Response_ pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

73 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Objection Dated June 7, 2013 PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

74 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / CT Exchange Filing Objection Response_ pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

75 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Objection Dated June 7, 2013 PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

76 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / CT Exchange Filing Objection Response_ pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

77 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedule Item Changes Exhibit B - Age Factors Exhibit B - CT Age Factors_rev.pdf Previous Version Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Previous Version Exhibit E - Trend Support Exhibit E - CT Trend Details_rev.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Previous Version Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT Rates.zip CT_IVL_39159_Rates.pdf Rates Attached are rates in both.xls and.xlm formats. Files are zipped due to SERFF's upload limitations. CT Rates.zip Objection Dated June 7, 2013 PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

78 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / CT Exchange Filing Objection Response_ pdf No Form Schedule items changed. No Rate/Rule Schedule items changed. Conclusion: Sincerely, Joseph bochicchio PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

79 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: Product Name: Project Name/Number: / Note To Filer Created By: Paul Lombardo on 07/09/ :29 AM Last Edited By: Paul Lombardo Submitted On: 07/09/ :29 AM Subject: Guranteed Availablity of On-Exchange products, for the off-exchange market H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense 2014 CT HIX Filing As a follow-up to the guaranteed availability provision, the Department just spoke with Doug Pennington, Director, Rate Review Division (CCIIO/CMS/DHHS), 7/8/13 AM. He pointed us to the recently released Notice of Proposed Rulemaking (Program Integrity Proposed Rule), released on June 14, 2013, for the guaranteed availability clarification. He reiterated that it is the Feds understanding that all exchange plans must be available off exchange but do not need to be actively marketed. PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

80 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: Product Name: Project Name/Number: / Note To Filer Created By: Paul Lombardo on 06/24/ :38 AM Last Edited By: Paul Lombardo Submitted On: 06/24/ :38 AM Subject: age 64+ factor H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense 2014 CT HIX Filing Please revise the age 64+ age factor from to in order to be consistent with the age curve CT adopted through Bulletin HC-91. PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

81 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: Product Name: Project Name/Number: / H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense 2014 CT HIX Filing Post Submission Update Request Processed On 07/29/2013 Status: Created By: Processed By: Allowed Joseph bochicchio Paul Lombardo Company Rate Information: Company Name:Aetna Life Insurance Company Field Name Requested Change Prior Value Product Names: HHS Product Ids 39159CT008, 39159CT009 and 39159CT012. Aetna Preferred Provider Organization benefit plans for Access Health CT. HHS Product Id 39159CT008. Aetna Preferred Provider Organization benefit plans for Access Health CT. FORMS: New Policy Forms: HIXGR , GR SB 01 HIXGR REQUESTED RATE: Projected Earned Premium: 113,334, ,794, Projected Incurred Claims: 81,708, ,082, Min: Max: 1, , Weighted Avg.: PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

82 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Rate Information Rate data applies to filing. Filing Method: Review & Approval Rate Change Type: Neutral Overall Percentage of Last Rate Revision: % Effective Date of Last Rate Revision: Filing Method of Last Filing: Company Rate Information Company Overall % Overall % Written # of Policy Written Maximum % Minimum % Company Rate Indicated Rate Premium Holders Affected Premium for Change Change Name: Change: Change: Impact: Change for for this Program: this Program: (where req'd): (where req'd): this Program: Aetna Life Insurance Company New Product % % % % Product Type: HMO PPO EPO POS HSA HDHP FFS Other Covered Lives: Policy Holders: PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

83 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: Product Name: Project Name/Number: / Rate Review Detail COMPANY: Company Name: HHS Issuer Id: Product Names: Trend Factors: FORMS: Aetna Life Insurance Company HHS Product Ids 39159CT008, 39159CT009 and 39159CT012. Aetna Preferred Provider Organization benefit plans for Access Health CT. New Policy Forms: HIXGR , GR SB 01 Affected Forms: Other Affected Forms: REQUESTED RATE CHANGE INFORMATION: Change Period: Annual Member Months: 258,611 Benefit Change: Percent Change Requested: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense 2014 CT HIX Filing Min: Max: Avg: PRIOR RATE: Total Earned Premium: Total Incurred Claims: Annual $: Min: Max: Avg: REQUESTED RATE: Projected Earned Premium: 113,334, Projected Incurred Claims: 81,708, Annual $: Min: Max: 1, Avg: PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

84 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Rate/Rule Schedule Item Schedule Affected Form Numbers No. Item Document Name (Separated with commas) Rate Action Rate Action Information Attachments Status 1 CT Rates HIXGR , GR SB 01 New CT_IVL_39159_Rates. pdf, PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

85 Rates Table Template v2.3 To validate press Validate button or Ctrl + Shift + V. To finalize, press Finalize button or Ctrl + Shift + F. Go to cell B1 for instructions If you are a community rating state, select Family Option under Age and fill in all columns. If you are not community rating state, select 0-20 under Age and provide an Individual Rate for every age band. If Tobacco is Tobacco User/Non-Tobacco User, you must give a rate for Tobacco Use and Non-Tobacco Use. To add a new sheet, press the Add Sheet button, or Ctrl + Shift + S. All plans must have the same dates on a sheet. HIOS Issuer ID* Federal TIN* Rate Effective Date* 01/01/2014 Rate Expiration Date* 12/31/2014 Plan ID* Rating Area ID* Tobacco* Age* Individual Rate* Required: Enter the 14-character Plan ID Required: Select the Rating Area ID Require: Select if Tobacco use of subscriber is used to determine if a person is eligible for a rate from a plan Required: Select the age of a subscriber eligible for the rate Required: Enter the rate of an Individual Non- Tobacco or No Preference enrollee on a plan 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

86 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

87 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

88 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

89 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

90 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

91 39159CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference

92 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

93 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

94 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

95 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

96 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

97 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

98 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

99 39159CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference

100 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

101 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

102 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

103 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

104 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

105 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

106 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference

107 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

108 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

109 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

110 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

111 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

112 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

113 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

114 39159CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference

115 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

116 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

117 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

118 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

119 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

120 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

121 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over

122 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

123 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

124 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

125 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

126 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

127 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

128 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

129 39159CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference

130 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

131 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

132 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

133 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

134 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

135 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

136 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

137 39159CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference

138 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

139 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

140 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

141 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

142 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

143 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

144 39159CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference

145 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

146 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

147 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

148 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

149 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

150 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

151 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

152 39159CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference

153 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

154 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

155 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

156 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

157 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

158 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

159 39159CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference

160 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

161 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

162 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

163 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

164 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

165 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

166 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

167 39159CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over

168 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Supporting Document Schedules Bypassed - Item: Bypass Reason: Item Status: Status Date: Bypassed - Item: Bypass Reason: Item Status: Status Date: Bypassed - Item: Bypass Reason: Item Status: Status Date: Bypassed - Item: Bypass Reason: Item Status: Status Date: Item Status: Status Date: Actuarial Memorandum Attached below. Consumer Disclosure Form N/A Actuarial Memorandum and Certifications Attached below. Unified Rate Review Template Attached below. Market Head Cover Letter CT_HIX_CoverLetter_ _MarketHead.pdf Actuarial Cover Letter PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

169 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Item Status: Status Date: Item Status: Status Date: Item Status: Status Date: Item Status: Status Date: Item Status: Status Date: CT_Individual_Cover_Letter_2014_HIX.pdf Actuarial Memorandum Actuarial Memo. CT_Individual_Memorandum_2014_HIX.pdf Exhibit A - Actuarial Value and Product Summary Exhibit A-1 CT AV and Product Summary.pdf Exhibit A-2 - CT Plans Forms AV Benefit factor.pdf Exhibit B - Age Factors Exhibit B - CT Age Factors.pdf Exhibit C - Rating Area Factor Support Exhibit C-1 - CT Rating Area Support.pdf Exhibit C-2 - CT Area Definitions.pdf Exhibit D - Historic Experience PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

170 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Item Status: Status Date: Item Status: Status Date: Item Status: Status Date: Item Status: Status Date: Item Status: Status Date: Item Status: Exhibit D - Historic Connecticut Experience.pdf Exhibit E - Trend Support Exhibit E - CT Trend Details.pdf Exhibit F - Rate Development Exhibit F-1 - Rate Development Summary.pdf Exhibit F-2 - Rate Development.pdf Exhibit G - Morbidity Adjustments Exhibit G - Morbidity Adjustments.pdf Exhibit H - MLR Projection Exhibit H - MLR Projection.pdf Actuarial Memorandum and Certifications URRT Part III Memorandum and Certifications. URRT Part III IVL - CT.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

171 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: Product Name: Project Name/Number: / Status Date: URRT Part I. Item Status: Status Date: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense 2014 CT HIX Filing Unified Rate Review Template Worksheets Unified_Rate_Review_Template_CT.xlsm Item Status: Status Date: Rates Attached are rates in.xls and.xlm and.pdf formats. Excel files are zipped due to SERFF's upload limitations. CT_IVL_39159_Rates.zip CT_IVL_39159_Rates.pdf Objection Dated June 7, 2013 Item Status: Status Date: CT Exchange Filing Objection Response_ pdf Objection Dated July 2, 2013 Item Status: Status Date: CT Exchange Filing Objection Response_ pdf Change Request Dated July 22, 2013 Item Status: Status Date: CT Individual Objection Response Letter.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

172 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Item Status: Status Date: CT Exchange Rates Withdrawal Letter CT Exchange Rates Withdrawal Letter.pdf PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

173 SERFF Tracking #: AETN State Tracking #: Company Tracking #: State: Connecticut Filing Company: Aetna Life Insurance Company TOI/Sub-TOI: H15I Individual Health - Hospital/Surgical/Medical Expense/H15I.001 Health - Hospital/Surgical/Medical Expense Product Name: 2014 CT HIX Filing Project Name/Number: / Attachment Unified_Rate_Review_Template_CT.xlsm is not a PDF document and cannot be reproduced here. Attachment CT_IVL_39159_Rates.zip is not a PDF document and cannot be reproduced here. PDF Pipeline for SERFF Tracking Number AETN Generated 08/05/ :55 AM

174

175

176 Joseph Bochicchio, ASA Aetna Life Insurance Company 151 Farmington Avenue, RS12 Hartford, CT Phone: May 29, 2013 Mr. Paul Lombardo, ASA, MAAA Department of Life and Health State of Connecticut Insurance Department 153 Market Street Hartford, CT Subject: Aetna Life Insurance Company, NAIC No Form Number: HIXGR Aetna Filing Number: 2014 CT HIX Filing HIOS Product ID: 39159CT008 Dear Mr. Lombardo: We enclose, for your Department's review, a rate filing for the above referenced new Individual Health product form which will be offered in the State of Connecticut by Aetna Life Insurance Company effective January 1, This filing provides details of the premium rate development and the resulting proposed monthly premium rates for calendar year This rate filing supports a Qualified Health Plan (QHP) application offered through the Connecticut Exchange, Access Health CT. The health benefit plans included in this filing comply with all Connecticut benefit requirements and rating regulations, as well as those associated with Federal Health Care Reform H.R the Patient Protection and Affordable Care Act (PPACA). This submission includes the following: Actuarial Memorandum and Certification Exhibits A though H Unified Rate Review Actuarial Memorandum and Certification Unified Rate Review Template Rate Sheets Please feel free to contact me at the above listed telephone number and/or address if you have any additional questions. Sincerely, Joseph Bochicchio, ASA Encl: a/s

177 Aetna Life Insurance Company Actuarial Memorandum HIOS Product ID: 39159CT008 Policy Forms: HIXGR , GR SB 01 Comprehensive Individual Medical Expense Benefit Plans 1. Purpose, Scope, and Effective Date The purpose of this filing is to request approval of monthly premium rates for the policy forms referenced above. The development of these rates reflects the impact of the market changes and rating requirements resulting from PPACA and subsequent regulation. These rates are for plans issued in the individual market in conjunction with our Qualified Health Plan (QHP) application in Connecticut beginning January 1, The rates comply with all rating guidelines under federal and state regulation. The filing covers plans that will be available on and off the Connecticut Exchange, Access Health CT. 2. Key Assumptions The rates in this filing were developed using the following assumptions: Connecticut will not have a supplemental reinsurance program Existing non-grandfathered policies in Connecticut will not enter the single risk pool until the first policy renewal after December 31, 2013 Medicare eligibility will be expanded The proposed rates are dependent upon these assumptions and may not be appropriate if these assumptions prove to be materially different. 3. Lack of Final Guidance The descriptions and analysis presented in this rate filing reflect our understanding of regulations and guidance issued through July 25th, As further guidance and information is received, we reserve the right to submit revisions or withdraw our filing entirely. 4. Benefit Design This filing covers 11 benefit designs. There are three standard benefit plans defined by the Exchange, one each of a Bronze, Silver and Gold, and 8 optional plans, one Catastrophic, two Silver and five Bronze. The CT Aetna Premier 1000 PD (Gold plan) and CT Aetna AdvantagePlus 5500 PD (Bronze plan) will only be available through the Exchange. All plans offered both on and off the Exchange will be available with pediatric dental benefits. Please refer to the corresponding policy forms for detailed benefit language. Information on the costsharing parameters of the covered benefit plans, including deductibles, copays, and Actuarial Values, is summarized in Exhibits A-1 and A-2. All benefit and cost sharing parameters comply with Connecticut benefit mandates and the requirements of PPACA, including preventive care benefits and deductible limits. The AV Metal Values for the standard On-Exchange plans and their Off-Exchange counterpart plans are based on standard plan design parameters established by Access Health Connecticut. In accordance with a waiver obtained by Access Health Connecticut, the minimum AV differential between the 70 percent and the 73 percent silver plan variations is less than the two percent required under federal law. 5. Marketing 1

178 Plans on form HIXGR will be made available in Connecticut through Access Health CT. Plans of on form GR will be marketed through brokers and general agents, and directly to consumers through direct mail, telemarketing, and the internet. Two bronze plans (CT Costco Advantage 6350 PD and CT Costco AdvantagePlus 5650 PD) and one silver plan (CT Costco Classic 3500 PD) will be marketed to members of Costco Wholesale exclusively on the Costco website. The same plans will be available to individuals who are not Costco members through other distribution channels, under plan names CT Aetna Advantage 6350 PD NCM and CT Aetna AdvantagePlus 5650 PD NCM (bronze) and CT Aetna Classic 3500 PD NCM (silver). 6. Underwriting Aetna will verify applicant eligibility for these plans based on any applicable age or geographic limitations. Aetna may rely on information provided by the Exchange as verification of eligibility. 7. Renewability These policies are guaranteed renewable as required under 2703 of the Public Health Service Act. 8. Experience This filing is for new policy forms. While there is no applicable experience for these products, Exhibit D summarizes the individual experience that forms the basis for our rate development. Incurred claims used in the rate development include a provision for claims incurred but not reported (IBNR). The IBNR reserve is estimated using actuarial principles and assumptions that consider historical and projected claim submission patterns, historical and projected claim processing time, medical cost trends, utilization of health care services, claim inventory levels, changes in membership and product mix, seasonality, and other relevant factors. For the experience period, we include two months of runoff to reduce the reliance on reserve estimates for the most recent months. The IBNR reserves represent approximately 1.6% of claims for our individual business during the experience period. 9. Medical Trend and Provider Network We project an average annual medical trend of 8.5% from the experience period to the pricing period. A summary of historical and projected paid cost trend by service category is provided in Exhibit E. Historical trends are based on fully insured small group HMO experience for members living in Connecticut. The experience is normalized for demographic, benefit, and large claims. The historical unit cost trends include changes in provider and service mix. Note we do not explicitly measure changes in medical technology trend, the impact of benefit buy-downs or the impacts of cost sharing leverage on trend. The resulting trend is calculated as {(1 + unit cost trend) * (1 + utilization trend)} Risk Adjustment, Reinsurance, and Risk Corridors As discussed below, we developed a market base rate representative of the average market morbidity expected in We believe the proposed rates are consistent with a market-average risk profile and anticipate that any risk adjustment will approximate the actual deviation in claims from the projected market-average level. As noted in Line 22 of Exhibit F-2, we expect the transitional reinsurance program to reduce the average claims for these products by approximately 9.3% in This estimate is based on the national reinsurance program parameters and uses pricing assumptions for Aetna s stop loss business adjusted to reflect the anticipated demographics of the 2014 individual market in Connecticut. 2

179 The risk corridor program is intended to protect carriers from significant deviation between actual results and carriers projections, and as such, does not impact the required premium on a prospective basis. 11. Claims Development and Morbidity Adjustments The claims base for a 21-year old in the benchmark silver plan is $ The development of this is discussed in Exhibit F-1 and shown in Exhibit F-2. The development of these rates involves a projection of who will be covered and at what cost in We have used available models and tools to accomplish this and shown, in our judgment, what the various components are worth relative to the final premium. The largest assumptions impacting the final rates are the cost of guaranteed issue and the market dynamics relative to who actually will be covered in 2014 given the relatively small tax penalties to incent the healthy and the delayed entry of existing medically underwritten market. We believe this dynamic will lead to significant adverse selection in Of course, with each assumption, there is a range of reasonable values. Our final choice of assumptions was made with an expectation of a reasonable relationship between final premiums in the Individual market and Small Group markets. As such, the final premiums presented here should also be evaluated on a reasonable basis against Small Group premiums rather than the contribution of a particular assumption. We have developed the 2014 Individual premiums based upon the Small Group experience. This eliminates the need to project our individual experience with population morbidity changes, such as the duration and guaranteed issue assumptions, thereby reducing the reliance on judgment or assumptions in setting our 2014 premium rates. The projected claim level was based on our 11/1/ /31/2012 experience of our current individual PPO and small group HMO blocks of business in Connecticut. Small group experience will contain many of the anticipated dynamics of the individual market in year 2014 and thus is a suitable basis upon which to evaluate the appropriate claim level. These dynamics include, but are not limited to 1. Guaranteed issue & renewability provisions apply to all CT small employers and associated membership 2. Rate adjustments due to medical underwriting are not allowed 3. Small group utilizes a modified community rating methodology with similar rating variables As part of the experience projection, we made adjustments as appropriate to normalize for the rating and benefit changes and to account for the expected market dynamics in The purpose of this is to bring the experience between the markets to a comparable basis and ultimately to a single base level for Individual premiums. While the experience of Individual and Small Group markets will be comparable after they are normalized, there will be differences in the risk pools between the markets causing the Individual market to have a higher claim expectation. Relative to the Small Group Market, the Individual Risk pool has at least the following differences 1. Presence of a High Risk Individuals that will transition into the Individual market 2. The addition of previously uninsured lives to the market pool. These newly insureds would come from both those individuals who were not able to access the market previously because of affordability issues as well as those with pre-existing conditions. 3. The additional utilization of the newly insureds without prior coverage 4. The delayed entry of the existing Individual medically-underwritten market to the pool due to staggered anniversary dates throughout

180 The basic approach was to normalize our experience for the Individual and Small Group markets in order to put the paid claims on the same basis so that they could be compared. This step serves as a reasonability check to the market participation and morbidity changes as a result of PPACA. Once a comparable claim level is established, the Small Group Comparative Claim level is projected to the 2014 level taking into account allowed claim trend, network contracting and the adjustments for the PPACA rating changes. The result of this step is the Silver Base Claim Rate. 12. Retention The Retention Portion of the Market Base Rate is 26.61%. This was developed from the following items: 1. Taxes and Fees of 9.18% comprised of: a. Premium Taxes of 2.06% b. Patient Centered Outcomes Research Fund of $2.00 per member per year, converted to.05% c. Reinsurance Contribution of $5.25 PMPM, converted to 1.48% d. Health Insurer Fee of 2.6% i. 1.7% paid post-tax as the Health Insurer Fee ii. 0.9%, charged as a corporate tax of 35% on the 2.6% pre-tax charge e. Exchange User Fee of 1.35%. f. Federal Income Tax of 1.62%, assuming 35% tax rate g. Risk Adjustment Program Fee of.02% 2. Commissions of 3.5% of premium: 3. General Administrative Expenses of $38.88, converted to 10.93% of premium based upon an expected average premium level. Of the above total general administration expenses, a. 0.6% is classified as Quality Improvement Activities under 45 CFR Part 158. b. Salaries and employee benefits and welfare programs are 50% of total c. Licensing Fees are 0.2% 4. After-Tax Risk Charge of 3.00%. These prospective expenses are based on historical expense levels and the changes expected with the requirements of PPACA and Access Health CT. The Risk Charge of 3% is in line with the amount allowed in the Risk Corridor calculation. Aetna is applying for QHP certification on these plans in Connecticut in order to benefit from this program. As indicated, three plans are available to individuals who are members of Costco Wholesale: CT Costco Advantage 6350 PD and CT Costco AdvantagePlus 5650 PD (bronze) and CT Costco Classic 3500 PD (silver) exclusively on the Costco website. Costco pays all marketing expenses for these plans and, as a producer, accepts a lower than standard commission. Rates for the Costco plans include a 2.8% general administrative cost reduction to reflect these lower marketing costs. 13. Market Base Rate The base premium for our benchmark Silver plan is $273.79, as indicated on Line 27 of Exhibit F-2. This base premium forms the basis for developing plan premium rates for all other plans discussed in this filing. 14. Membership Projections The model discussed in Exhibit G contains detail on current and projected membership by age band and benefit level. It is used to form a basis for projecting the membership distribution in these plans. We consolidate model results for several states to produce a common membership distribution that is used on a national basis. We assume the enrollment distribution by metal level will be consistent with the model 4

181 output except that membership projected for Platinum plans will instead enroll in a Gold plan (since we will not offer a Platinum plan in Connecticut) and that 80% of the projected membership for ages in a Bronze plan will instead select a Catastrophic plan. The distribution by age band reflects a blend of the model s membership distribution for the current small group market and the 2014 individual market. We apply 70% weight to the current small group distribution and 30% weight to the projected individual distribution. The resulting distribution by age is fairly consistent with Aetna s current distribution of small group membership. The average rate level for these forms is the product of the benchmark plan base rate and the weightedaverage adjustment factors for age, rating area and plan design. To estimate this relationship, we combine the projected membership distribution by plan, rating area and age with the age factors, rating area factors and estimated plan factors (based on AV differences and the catastrophic plan adjustment). This calculation indicates that the average rate will be approximately 30% larger than the base rate. Please see below for a development of our average premium rate (as illustrated in Exhibit H): Average Actuarial Distribution Premium Value Catastrophic 11.4% $173 60% Bronze 67.2% $349 58% Silver 19.3% $476 67% Gold 2.1% $480 82% Platinum 0.0% N/A N/A Total 100.0% $356 61% 15. Catastrophic Plan The average morbidity level for the Catastrophic plan is estimated to be approximately 25% lower than that of a similar Bronze plan. This adjustment is reflected in the plan factors shown in Exhibit A Anticipated Loss Ratio We expect the loss ratio for these products to be 73.4%. This is consistent with the effective retention target of 26.6% of premium. A projection of the MLR for this product is provided in Exhibit H. This projection includes anticipated experience for this product for the 12 months in 2014 and does not include a credibility adjustment. We expect this to be equivalent to a Loss Ratio with Federal Adjustments of 81.5%, as illustrated in Exhibit H. 17. Age Factors The age factors are based on the HHS Default Standard Age curve. The factors are shown in Exhibit B. 18. Area Definitions and Factors As a result of PPACA, it is anticipated that utilization patterns in the Connecticut Individual market will follow those of the Small Group market going forward. As such, we have used our normalized Small Group experience for the period January 1, 2012 through December 31, 2012 to determine our proposed rating area factors. Support for our proposed area factors is provided in Exhibit C-1; our proposed rating area definitions are provided in Exhibit C Tobacco Rating 5

182 Access Health CT does not permit tobacco to be used as a rating factor and as such was not considered in the determination of our rates. 20. Plan Benefit Factors We calculate a plan factor to adjust the market base rate for differences in plan-specific expected claims. These factors account for differences in benefits, cost sharing, and network design (where applicable). The benchmark Silver plan is assigned a factor of 1.0. The factors were developed using a proprietary pricing model which relies on: 1) State- and product-specific service category weights; 2) Rating factors for various levels of cost-sharing options, including deductibles, coinsurance, and, copays; 3) Marketing expense differences for the Costco Personal Insurance Plans. The service category weights are based on experience for our Small Group business. The cost-sharing rating factors are based on experience for our Large Group business which excludes the effects of selection. Final plan factors reflect the value of the EHB and state mandated benefits (including pediatric dental and vision), the impact of out-of-network benefits, and any additional benefits as indicated in the attached benefit summaries. Benefit factors for the Costco Personal Insurance Plans include adjustments relative to marketing and IT cost savings. The final plan factor for the CT Aetna AdvantagePlus 5500 PD plan has been reduced by an additional 4.5% to consider differences in in-network discounts and steerage to preferred providers. This plan is multi-tiered, having In-Network Preferred, In-Network Non-Preferred and Out-of-Network benefits. This plan will have a reduced coverage area and will therefore not be available in New London County. No adjustments were made to differentiate benefit factors based on morbidity differences or benefit selection. Final plan factors are displayed in Exhibit A Rating Methodology Rates are determined using the prescribed member build-up approach. In the event that a family includes more than three dependents under age 21, only the three oldest dependents under age 21 will be considered in determining the family s premium. Additional dependents (non-billable members) will not be included in the rate calculation. Based on Aetna s individual experience, we estimate that billing for no more than three dependents under age 21 requires a 0.6% increase to the base rate. The premium for each billable member is calculated as: Market Base Rate * Age Factor * Area Factor * Plan Factor The resulting rate for each member is rounded to the nearest dollar. As an example of this calculation, consider a family living in Hartford County that enrolls in the Aetna Classic 3250 PD plan. Assume that the parents are ages 40 and 42 and have children ages 6, 8, 11, and 13. The rate for this family is calculated as: 6

183 Member Age Market Base Rate Age Factor Area Factor Plan Factor Final Rate N/A The family s final monthly rate is the sum of the member rates, or $1,058. Consistent with the limit on the number of billable dependents, no premium will be charged for the youngest family member in this example. 22. History of Rate Revisions This is a filing for new products which will be effective beginning January 1, Company Financial Condition As of December 31, 2012, the capital and surplus held by Aetna Life Insurance Company was approximately $3.3 billion. This amount is disclosed in the Company s statutory financial statement dated December 31, The Company issues insurance nationwide for multiple lines of business including large group medical, small group medical, individual medical, and various non-medical products. 7

184 Certification I, Bruce T. Campbell, am a Fellow of the Society of Actuaries, a member of the American Academy of Actuaries, and am qualified in the area of health insurance. I certify that, to the best of my knowledge and judgment, the entire rate filing is in compliance with the applicable laws of the State of Connecticut and with the rules of the Department of Insurance, and complies with Actuarial Standard of Practice No. 8, "Regulatory Filings for Rates and Financial Projections for Health Plans," as adopted by the Actuarial Standards Board, December, 2005, which standard is hereby adopted and incorporated by reference, and that the benefits provided are reasonable in relation to the proposed premiums. Bruce T. Campbell, FSA, MAAA July 26, 2013 Date Aetna Life Insurance Company 8

185 Aetna Life Insurance Company SERFF #: AETN HIOS Product IDS: 39159CT008, 39159CT009, 39159CT012 Exhibit A-1 Connecticut Individual Portfolio Summary of Benefits Contents CT AETNA BASIC PD...2 CT AETNA CLASSIC 3250 PD...3 CT AETNA ADVANTAGEPLUS 5500 PD...4 CT AETNA PREMIER 1000 PD...5 CT AETNA ADVANTAGE 3000 PD...6 CT AETNA ADVANTAGE 3000 PD (CSR) 73%...8 CT AETNA ADVANTAGE 3000 PD (CSR) 87%...9 CT AETNA ADVANTAGE 3000 PD (CSR) 94% CT COSTCO ADVANTAGE 6530 PD CT COSTCO ADVANTAGEPLUS 5650 PD CT COSTCO CLASSIC 3500 PD... 10

186 Summary of Benefits Covered CT AETNA BASIC PD CT AETNA BASIC PD Connecticut Catastrophic Plan Summary of Features In-Network Out-of-Network Deductible Individual $6,350 $12,700 Family $12,700 $25,400 Coinsurance (Member Responsibility) 0% 50% $0 once out-of-pocket max. is satisfied Out-of-Pocket Maximum Individual $6,350 15,000 Familiy $12,700 $30,000 All cost sharing accumulates to the Out of Pocket Maximum above Primary Care Visit to Treat an Injury or Illness (excludes Preventative and X-rays) $20 ded waived/visits % after deductible Specialist Visit 0% after deductible 50% after deductible All Inpatient Hospital Services (includes Mental/Behavioral Health and Substance Abuse) 0% after deductible 50% after deductible Emergency Room Services 0% after deductible Paid as In-Network Mental/Behavioral Health and Substance Abuse Disorder Outpatient Services 0% after deductible 50% after deductible Imaging (CT/PET Scans, MRIs) 0% after deductible 50% after deductible Rehabilitative Speech Therapy 0% after deductible 50% after deductible Rehabilitative Occupational and Rehabilitative Physical Therapy 0% after deductible 50% after deductible Preventive Care/Screening/Immunization 0% 50% after deductible Laboratory Outpatient and Professional Services 0% after deductible 50% after deductible X-rays and Diagnostic Imaging 0% after deductible 50% after deductible Skilled Nursing Facility 0% after deductible 50% after deductible Outpatient Facility Fee (e.g., Ambulatory Surgery Center) 0% after deductible 50% after deductible Outpatient Surgery Physician/Surgical Services 0% after deductible 50% after deductible Pharmacy In-Network Out-of-Network Pharmacy Deductible Individual Integrated with med Integrated with med Family Integrated with med Integrated with med Generics 0% after deductible 50% after deductible Preferred Brand Drugs 0% after deductible 50% after deductible Non-Preferred Brand Drugs 0% after deductible 50% after deductible Specialty Drugs (i.e. high-cost) 0% after deductible 50% after deductible Page 2 of 16

187 Summary of Benefits Covered CT AETNA CLASSIC 3250 PD CT AETNA CLASSIC 3250 PD Connecticut Bronze Plan Summary of Features In-Network Out-of-Network Deductible Individual $3,250 $6,500 Family $6,500 $13,000 Coinsurance (Member Responsibility) 40% 50% $0 once out-of-pocket max. is satisfied Out-of-Pocket Maximum Individual $6,250 $12,500 Familiy $12,500 $25,000 All cost sharing accumulates to the Out of Pocket Maximum above Primary Care Visit to Treat an Injury or Illness (excludes Preventative and X-rays) $30 per visit after deductible 50% after deductible Specialist Visit 40% after deductible 50% after deductible All Inpatient Hospital Services (includes Mental/Behavioral Health and Substance Abuse) 40% after deductible 50% after deductible Emergency Room Services 40% after deductible Paid as In-Network Mental/Behavioral Health and Substance Abuse Disorder Outpatient Services $30 per visit after deductible 50% after deductible Imaging (CT/PET Scans, MRIs) 40% after deductible 50% after deductible Rehabilitative Speech Therapy 40% after deductible 50% after deductible Rehabilitative Occupational and Rehabilitative Physical Therapy 40% after deductible 50% after deductible Preventive Care/Screening/Immunization 0% 50% Laboratory Outpatient and Professional Services 40% after deductible 50% after deductible X-rays and Diagnostic Imaging 40% after deductible 50% after deductible Skilled Nursing Facility 40% after deductible 50% after deductible Outpatient Facility Fee (e.g., Ambulatory Surgery Center) 40% after deductible 50% after deductible Outpatient Surgery Physician/Surgical Services 40% after deductible 50% after deductible Pharmacy In-Network Out-of-Network Pharmacy Deductible Individual Integrated with med Integrated with med Family Integrated with med Integrated with med Generics $10 copay 50% after deductible Preferred Brand Drugs 40% after deductible 50% after deductible Non-Preferred Brand Drugs 40% after deductible 50% after deductible Specialty Drugs (i.e. high-cost) 40% after deductible 50% after deductible Page 3 of 16

188 Summary of Benefits Covered CT AETNA ADVANTAGEPLUS 5500 PD CT AETNA ADVANTAGEPLUS 5500 PD Connecticut Bronze Plan Summary of Features In-Network Preferred In-Network Non-Preferred Out-of-Network Deductible Individual $5,500 $6,250 $12,500 Family $11,000 $12,500 $25,000 Coinsurance (Member Responsibility) 10% 10% $0 once out-of-pocket max. is satisfied 50% Out-of-Pocket Maximum Individual $6,350 $6,350 $19,050 Familiy $12,700 $12,700 $38,100 All cost sharing accumulates to the Out of Pocket Maximum above Primary Care Visit to Treat an Injury or Illness (excludes Preventative and X-rays) 10% after deductible 10% after deductible 50% after deductible Specialist Visit 10% after deductible 10% after deductible 50% after deductible All Inpatient Hospital Services (includes Mental/Behavioral Health and Substance Abuse) 10% after deductible 10% after deductible 50% after deductible Emergency Room Services 10% after deductible Paid as In-Network after deductible Paid as In-Network Mental/Behavioral Health and Substance Abuse Disorder Outpatient Services 10% after deductible Paid as designated after deductible 50% after deductible Imaging (CT/PET Scans, MRIs) 10% after deductible Paid as designated after deductible 50% after deductible Rehabilitative Speech Therapy 10% after deductible Paid as designated after deductible 50% after deductible Rehabilitative Occupational and Rehabilitative Physical Therapy 10% after deductible Paid as designated after deductible 50% after deductible Preventive Care/Screening/Immunization 0% 0% 50% after deductible Laboratory Outpatient and Professional Services 10% after deductible 10% after deductible 50% after deductible X-rays and Diagnostic Imaging 10% after deductible Paid as designated after deductible 50% after deductible Skilled Nursing Facility 10% after deductible Paid as designated after deductible 50% after deductible Outpatient Facility Fee (e.g., Ambulatory Surgery Center) 10% after deductible 10% after deductible 50% after deductible Outpatient Surgery Physician/Surgical Services 10% after deductible 10% after deductible 50% after deductible Pharmacy In-Network Preferred In-Network Non-Preferred Out-of-Network Pharmacy Deductible Individual Integrated with med Integrated with med Integrated with med Family Integrated with med Integrated with med Integrated with med Generics 10% after deductible Paid as in-network 50% after deductible Preferred Brand Drugs 50% after deductible Paid as in-network 50% after deductible Non-Preferred Brand Drugs 50% after deductible Paid as in-network 50% after deductible Specialty Drugs (i.e. high-cost) 50% after deductible Paid as in-network 50% after deductible Page 4 of 16

189 Summary of Benefits Covered CT AETNA PREMIER 1000 PD CT AETNA PREMIER 1000 PD Connecticut Gold Plan Summary of Features In Network Out-of-Network Deductible Individual $1,000 $3,000 Family $2,000 $6,000 Coinsurance (Member Responsibility) 0% 30% $0 once out-of-pocket max. is satisfied Out-of-Pocket Maximum Individual $3,000 $6,000 Familiy $6,000 $12,000 All cost sharing accumulates to the Out of Pocket Maximum above Primary Care Visit to Treat an Injury or Illness (excludes Preventative and X-rays) $20 per visit 30% after deductible Specialist Visit $45 per visit 30% after deductible All Inpatient Hospital Services (includes Mental/Behavioral Health and Substance Abuse) $500 day/$1000 per admit after deductible 30% after deductible Emergency Room Services $150 per visit Paid as In-Network Mental/Behavioral Health and Substance Abuse Disorder Outpatient Services $20 per visit 30% after deductible Imaging (CT/PET Scans, MRIs) $75 per visit 30% after deductible Rehabilitative Speech Therapy $20 per visit 30% after deductible Rehabilitative Occupational and Rehabilitative Physical Therapy $20 per visit 30% after deductible Preventive Care/Screening/Immunization 0% 30% Laboratory Outpatient and Professional Services $20 per visit 30% after deductible X-rays and Diagnostic Imaging $45 per visit 30% after deductible Skilled Nursing Facility $500 day/$1000 per admit after deductible 30% after deductible Outpatient Facility Fee (e.g., Ambulatory Surgery Center) $500 per visit after deductible 30% after deductible Outpatient Surgery Physician/Surgical Services 0% after deductible 30% after deductible Pharmacy In Network Out-of-Network Pharmacy Deductible Individual $150 [Waived for Generic] Integrated with Med Family $150 [Waived for Generic] Integrated with Med Generics $10 copay; deductible waived 30% after deductible Preferred Brand Drugs $25 copay 30% after deductible Non-Preferred Brand Drugs $40 copay 30% after deductible Specialty Drugs (i.e. high-cost) 30% after deductible 30% after deductible Page 5 of 16

190 Summary of Benefits Covered CT AETNA ADVANTAGE 3000 PD CT AETNA ADVANTAGE 3000 PD Connecticut Silver Plan Summary of Features In Network Out-of-Network Deductible Individual $3,000 $6,000 Family $6,000 $12,000 Coinsurance (Member Responsibility) 0% 40% $0 once out-of-pocket max. is satisfied Out-of-Pocket Maximum Individual $6,250 $12,500 Familiy $12,500 $25,000 All cost sharing accumulates to the Out of Pocket Maximum above Primary Care Visit to Treat an Injury or Illness (excludes Preventative and X-rays) $30 per visit 40% after deductible Specialist Visit $45 per visit 40% after deductible All Inpatient Hospital Services (includes Mental/Behavioral Health and Substance Abuse) $500/d, days 1-4 after deductible 40% after deductible Emergency Room Services $150 per visit Paid as In-Network Mental/Behavioral Health and Substance Abuse Disorder Outpatient Services $30 per visit 40% after deductible Imaging (CT/PET Scans, MRIs) $75 per visit 40% after deductible Rehabilitative Speech Therapy $30 per visit 40% after deductible Rehabilitative Occupational and Rehabilitative Physical Therapy $30 per visit 40% after deductible Preventive Care/Screening/Immunization 0% 40% Laboratory Outpatient and Professional Services $30 per visit 40% after deductible X-rays and Diagnostic Imaging $45 per visit 40% after deductible Skilled Nursing Facility $500/d, days 1-4 after deductible 40% after deductible Outpatient Facility Fee (e.g., Ambulatory Surgery Center) $500 per visit after deductible 40% after deductible Outpatient Surgery Physician/Surgical Services 0% after deductible 40% after deductible Pharmacy In Network Out-of-Network Pharmacy Deductible Individual In-network: $400 Integrated with Med Family In-network: $400 Integrated with Med Generics $10 copay; deductible waived 40% after deductible Preferred Brand Drugs $25 copay 40% after deductible Non-Preferred Brand Drugs $40 copay 40% after deductible Specialty Drugs (i.e. high-cost) 40% after deductible 40% after deductible Page 6 of 16

191 SILVER TIER CSR PLANS The next set of plans have Cost Sharing Reductions (CSR). When ACA provisions go into effect, Individuals who qualify to enroll in CSR plans will receive a cost sharing subsidy from the government that lets them receive a richer benefit plan for the same price that a non-eligible individual pays. To reflect this, different variations of the Silver-tiered product, Aetna Classic PD, were created with varying Actuarial Values. In order to qualify for the CSR plans below, Individuals: 1. Must be legally present in the US and not incarcerated 2. Must not be eligible for affordable employer-sponsored coverage 3. Must have income that falls within 100%-250% of the Federal Poverty Level 4. Must enroll in a silver plan Page 7 of 16

192 Summary of Benefits Covered CT AETNA ADVANTAGE 3000 PD (CSR) 73% CT AETNA ADVANTAGE 3000 PD: CSR 73% Connecticut Silver 73% Plan Summary of Features In Network Out-of-Network Deductible Individual $2,500 $6,000 Family $5,000 $12,000 Coinsurance (Member Responsibility) varies; see below varies; see below $0 once out-of-pocket max. is satisfied Out-of-Pocket Maximum Individual $5,200 $12,500 Familiy $10,400 $25,000 All cost sharing accumulates to the Out of Pocket Maximum above Primary Care Visit to Treat an Injury or Illness (excludes Preventative and X-rays) $30 per visit 40% after deductible Specialist Visit $45 per visit 40% after deductible All Inpatient Hospital Services (includes Mental/Behavioral Health and Substance Abuse) $500 day/$1000 per admit after deductible 40% after deductible Emergency Room Services $150 per visit Paid as In-Network Mental/Behavioral Health and Substance Abuse Disorder Outpatient Services $30 per visit 40% after deductible Imaging (CT/PET Scans, MRIs) $75 per visit 40% after deductible Rehabilitative Speech Therapy $30 per visit 40% after deductible Rehabilitative Occupational and Rehabilitative Physical Therapy $30 per visit 40% after deductible Preventive Care/Screening/Immunization 0% 40% Laboratory Outpatient and Professional Services $30 per visit 40% after deductible X-rays and Diagnostic Imaging $45 per visit 40% after deductible Skilled Nursing Facility $500 day/$1000 per admit after deductible 40% after deductible Outpatient Facility Fee (e.g., Ambulatory Surgery Center) $500 per visit after deductible 40% after deductible Outpatient Surgery Physician/Surgical Services 0% after deductible 40% after deductible Pharmacy In Network Out-of-Network Pharmacy Deductible Individual $300 [Waived for Generic] Integrated with Med Family $300 [Waived for Generic] Integrated with Med Generics $10 copay; deductible waived 40% after deductible Preferred Brand Drugs $25 copay 40% after deductible Non-Preferred Brand Drugs $40 copay 40% after deductible Specialty Drugs (i.e. high-cost) $40 copay 40% after deductible Page 8 of 16

193 Summary of Benefits Covered CT AETNA ADVANTAGE 3000 PD (CSR) 87% CT AETNA ADVANTAGE 3000 PD: CSR 87% Connecticut Silver 87% Plan Summary of Features In Network Out-of-Network Deductible Individual $500 $6,000 Family $1,000 $12,000 Coinsurance (Member Responsibility) varies; see below varies; see below $0 once out-of-pocket max. is satisfied Out-of-Pocket Maximum Individual $2,250 $12,500 Familiy $4,500 $25,000 All cost sharing accumulates to the Out of Pocket Maximum above Primary Care Visit to Treat an Injury or Illness (excludes Preventative and X-rays) $10 per visit 40% after deductible Specialist Visit $30 per visit 40% after deductible All Inpatient Hospital Services (includes Mental/Behavioral Health and Substance Abuse) $250 day/$500 per admit after deductible 40% after deductible Emergency Room Services $100 per visit Paid as In-Network Mental/Behavioral Health and Substance Abuse Disorder Outpatient Services $10 per visit 40% after deductible Imaging (CT/PET Scans, MRIs) $75 per visit 40% after deductible Rehabilitative Speech Therapy $10 per visit 40% after deductible Rehabilitative Occupational and Rehabilitative Physical Therapy $10 per visit 40% after deductible Preventive Care/Screening/Immunization 0% 40% Laboratory Outpatient and Professional Services $10 per visit 40% after deductible X-rays and Diagnostic Imaging $30 per visit 40% after deductible Skilled Nursing Facility $250 day/$500 per admit after deductible 40% after deductible Outpatient Facility Fee (e.g., Ambulatory Surgery Center) $250 per visit after deductible 40% after deductible Outpatient Surgery Physician/Surgical Services 0% after deductible 40% after deductible Pharmacy In Network Out-of-Network Pharmacy Deductible Individual In-network: None Integrated with Med Family In-network: None Integrated with Med Generics $5 copay 40% after deductible Preferred Brand Drugs $15 copay 40% after deductible Non-Preferred Brand Drugs $30 copay 40% after deductible Specialty Drugs (i.e. high-cost) $40 copay 40% after deductible Page 9 of 16

194 Summary of Benefits Covered CT AETNA ADVANTAGE 3000 PD (CSR) 94% CT AETNA ADVANTAGE 3000 PD: CSR 94% Connecticut Silver 94% Plan Summary of Features In Network Out-of-Network Deductible Individual $0 $6,000 Family $0 $12,000 Coinsurance (Member Responsibility) varies; see below varies; see below $0 once out-of-pocket max. is satisfied Out-of-Pocket Maximum Individual $2,000 $12,500 Familiy $4,000 $25,000 All cost sharing accumulates to the Out of Pocket Maximum above Primary Care Visit to Treat an Injury or Illness (excludes Preventative and X-rays) $5 per visit 40% after deductible Specialist Visit $15 per visit 40% after deductible All Inpatient Hospital Services (includes Mental/Behavioral Health and Substance Abuse) $250 day/$500 per admit 40% after deductible Emergency Room Services $75 per visit Paid as In-Network Mental/Behavioral Health and Substance Abuse Disorder Outpatient Services $5 per visit 40% after deductible Imaging (CT/PET Scans, MRIs) $50 per visit 40% after deductible Rehabilitative Speech Therapy $5 per visit 40% after deductible Rehabilitative Occupational and Rehabilitative Physical Therapy $5 per visit 40% after deductible Preventive Care/Screening/Immunization 0% 40% Laboratory Outpatient and Professional Services $5 per visit 40% after deductible X-rays and Diagnostic Imaging $15 per visit 40% after deductible Skilled Nursing Facility $250 day/$500 per admit 40% after deductible Outpatient Facility Fee (e.g., Ambulatory Surgery Center) $250 per visit 40% after deductible Outpatient Surgery Physician/Surgical Services 0% 40% after deductible Pharmacy In Network Out-of-Network Pharmacy Deductible Individual In-network: None Integrated with Med Family In-network: None Integrated with Med Generics $5 copay 40% after deductible Preferred Brand Drugs $15 copay 40% after deductible Non-Preferred Brand Drugs $30 copay 40% after deductible Specialty Drugs (i.e. high-cost) $40 copay 40% after deductible Page 10 of 16

195 Summary of Benefits Covered CT Costco Advantage 6350 PD CT COSTCO ADVANTAGE 6350 PD Connecticut Bronze Plan Summary of Features In-Network Out-of-Network Deductible Individual $6,350 $12,700 Family $12,700 $25,400 Coinsurance (Member Responsibility) 0% $0 once out-of-pocket max. is satisfied 50% Out-of-Pocket Maximum Individual $6,350 $15,000 Familiy $12,700 $30,000 All cost sharing accumulates to the Out of Pocket Maximum above Primary Care Visit to Treat an Injury or Illness $25 per visit 50% after deductible (excludes Preventative and X-rays) 0% after deductible Specialist Visit 0% after deductible 50% after deductible All Inpatient Hospital Services (includes Mental/Behavioral Health and Substance Abuse) 0% after deductible 50% after deductible Emergency Room Services 0% after deductible Paid as In-Network Mental/Behavioral Health and Substance Abuse Disorder Outpatient Services 0% after deductible 50% after deductible Imaging (CT/PET Scans, MRIs) 0% after deductible 50% after deductible Rehabilitative Speech Therapy 0% after deductible 50% after deductible Rehabilitative Occupational and Rehabilitative Physical Therapy 0% after deductible 50% after deductible Preventive Care/Screening/Immunization 0% 50% after deductible Laboratory Outpatient and Professional Services 0% after deductible 50% after deductible X-rays and Diagnostic Imaging 0% after deductible 50% after deductible Skilled Nursing Facility 0% after deductible 50% after deductible Outpatient Facility Fee (e.g., Ambulatory Surgery Center) 0% after deductible 50% after deductible Outpatient Surgery Physician/Surgical Services 0% after deductible 50% after deductible Pharmacy In-Network Out-of-Network Pharmacy Deductible Individual Integrated with medical Integrated with medical Family Integrated with medical Integrated with medical Generics Costco:$10 copay ded. waived/non-costco 50% after deductible Preferred Brand Drugs Costco:$40 copay /Non-Costco 0% 50% after deductible Non-Preferred Brand Drugs 0% after deductible 50% after deductible Specialty Drugs (i.e. high-cost) 0% after deductible 50% after deductible Page 11 of 16

196 CT Costco Advantage 6350 PD Actuarial Value Snapshot The Actuarial Value Calculator (AV Calculator) is designed to give an estimate of network liability for a given plan design. This build of the AV Calculator uses data from a large national commercial database to build continuance tables by metal tier. User Inputs for Plan Parameters Use Integrated Medical and Drug Deductible? Apply Inpatient Copay per Day? HSA/HRA Options HSA/HRA Employer Contribution? Narrow Network Options Blended Network/POS Plan? Apply Skilled Nursing Facility Copay per Day? 1st Tier Utilization: 91% Annual Contribution Amount: arate OOP Maximum for Medical and Drug Spending? 2nd Tier Utilization: 9% Indicate if Plan Meets CSR Standard? Desired Metal Tier Tier 1 Plan Benefit Design Tier 2 Plan Benefit Design Medical Drug Combined Medical Drug Combined Deductible ($) $6, $6, Coinsurance (%, Insurer's Cost Share) % % OOP Maximum ($) $6, $6, OOP Maximum if Separate ($) Click Here for Important Instructions Type of Benefit Subject to Deductible? All Subject to Coinsurance? All Coinsurance, if different Copay, if separate Subject to Deductible? Subject to Coinsurance, if Coinsurance? different This product, CT Costco Advantage 6350 PD, satisfies the HHS guidelines for a Bronze plan with an Actuarial Value of 62.0% Copay, if separate Medical All All Emergency Room Services $0.00 $0.00 All Inpatient Hospital Services (inc. MHSA) $0.00 $0.00 Primary Care Visit to Treat an Injury or Illness (exc. Preventive, and X-rays) $25.00 $25.00 Specialist Visit $0.00 $0.00 Mental/Behavioral Health and Substance Abuse Disorder Outpatient Services $0.00 $0.00 Imaging (CT/PET Scans, MRIs) $0.00 $0.00 Rehabilitative Speech Therapy $0.00 $0.00 Rehabilitative Occupational and Rehabilitative Physical Therapy $0.00 $0.00 Preventive Care/Screening/Immunization 100% $ % $0.00 Laboratory Outpatient and Professional Services $0.00 $0.00 X-rays and Diagnostic Imaging $0.00 $0.00 Skilled Nursing Facility $0.00 $0.00 Outpatient Facility Fee (e.g., Ambulatory Surgery Center) 100% 100% Outpatient Surgery Physician/Surgical Services 100% 100% Drugs All All All All Generics $10.00 $0.00 Preferred Brand Drugs $ $0.00 Non-Preferred Brand Drugs $0.00 $0.00 Specialty Drugs (i.e. high-cost) $0.00 $0.00 Options for Additional Benefit Design Limits: t a Maximum on Specialty Rx Coinsurance Payments? Specialty Rx Coinsurance Maximum: Maximum Number of Days for Charging an IP Copay? # Days (1-10): mary Care Cost-Sharing After a Set Number of Visits? # Visits (1-10): Begin Primary Care Deductible/Coinsurance After a Set Number of Copays? # Copays (1-10): Output Calculate Status/Error Messages: Calculation Successful. Actuarial Value: 62.0% Metal Tier: Bronze Tier 1 Tier 2 Page 12 of 16

197 Summary of Benefits Covered CT Costco AdvantagePlus 5650 PD CT COSTCO ADVANTAGEPLUS 5650 PD Connecticut Bronze Plan Summary of Features In-Network Out-of-Network Deductible Individual $5,650 $11,300 Family $11,300 $22,600 Coinsurance (Member Responsibility) 10% $0 once out-of-pocket max. is satisfied 50% Out-of-Pocket Maximum Individual $6,350 $12,700 Familiy $12,700 $25,400 All cost sharing accumulates to the Out of Pocket Maximum above Primary Care Visit to Treat an Injury or Illness 10% after deductible 50% after deductible (excludes Preventative and X-rays) 10% after deductible Specialist Visit 10% after deductible 50% after deductible All Inpatient Hospital Services (includes Mental/Behavioral Health and Substance Abuse) 10% after deductible 50% after deductible Emergency Room Services 10% after deductible Paid as In-Network Mental/Behavioral Health and Substance Abuse Disorder Outpatient Services 10% after deductible 50% after deductible Imaging (CT/PET Scans, MRIs) 10% after deductible 50% after deductible Rehabilitative Speech Therapy 10% after deductible 50% after deductible Rehabilitative Occupational and Rehabilitative Physical Therapy 10% after deductible 50% after deductible Preventive Care/Screening/Immunization 0% 50% after deductible Laboratory Outpatient and Professional Services 10% after deductible 50% after deductible X-rays and Diagnostic Imaging 10% after deductible 50% after deductible Skilled Nursing Facility 10% after deductible 50% after deductible Outpatient Facility Fee (e.g., Ambulatory Surgery Center) 10% after deductible 50% after deductible Outpatient Surgery Physician/Surgical Services 10% after deductible 50% after deductible Pharmacy In-Network Out-of-Network Pharmacy Deductible Individual Integrated with medical Integrated with medical Family Integrated with medical Integrated with medical Generics Costco: 0%/Non- Costco 40% 50% after deductible Preferred Brand Drugs Costco: 45%/Non- Costco 50% 50% after deductible Non-Preferred Brand Drugs 50% after deductible 50% after deductible Specialty Drugs (i.e. high-cost) 50% up to $500 copay 50% after deductible Page 13 of 16

198 CT Costco AdvantagePlus 5650 PD Actuarial Value Snapshot The Actuarial Value Calculator (AV Calculator) is designed to give an estimate of network liability for a given plan design. This build of the AV Calculator uses data from a large national commercial database to build continuance tables by metal tier. Use Integrated Medical and Drug Deductible? Apply Inpatient Copay per Day? HSA/HRA Options HSA/HRA Employer Contribution? Narrow Network Options Blended Network/POS Plan? Apply Skilled Nursing Facility Copay per Day? 1st Tier Utilization: 90% Annual Contribution Amount: arate OOP Maximum for Medical and Drug Spending? 2nd Tier Utilization: 10% Indicate if Plan Meets CSR Standard? Desired Metal Tier Tier 1 Plan Benefit Design Tier 2 Plan Benefit Design Medical Drug Combined Medical Drug Combined Deductible ($) $5, $5, Coinsurance (%, Insurer's Cost Share) 83.63% 82.11% OOP Maximum ($) $6, $6, OOP Maximum if Separate ($) Click Here for Important Instructions Tier 1 Tier 2 Type of Benefit Subject to Subject to Coinsurance, if Copay, if Subject to Subject to Coinsurance, if Deductible? Coinsurance? different separate Deductible? Coinsurance? different Medical All All All All Emergency Room Services 90% 90% All Inpatient Hospital Services (inc. MHSA) 90% 90% Primary Care Visit to Treat an Injury or Illness (exc. Preventive, and X-rays) 90% 90% Specialist Visit 90% 90% Mental/Behavioral Health and Substance Abuse Disorder Outpatient Services 90% 90% Imaging (CT/PET Scans, MRIs) 90% 90% Rehabilitative Speech Therapy 90% 90% Rehabilitative Occupational and Rehabilitative Physical Therapy 90% 90% Preventive Care/Screening/Immunization 100% $ % $0.00 Laboratory Outpatient and Professional Services 90% 90% X-rays and Diagnostic Imaging 90% 90% Skilled Nursing Facility 90% 90% Outpatient Facility Fee (e.g., Ambulatory Surgery Center) 90% 90% Outpatient Surgery Physician/Surgical Services 90% 90% Drugs All All All All Generics $ % Preferred Brand Drugs 55% 50% Non-Preferred Brand Drugs 50% 50% Specialty Drugs (i.e. high-cost) 50% 50% Options for Additional Benefit Design Limits: t a Maximum on Specialty Rx Coinsurance Payments? Specialty Rx Coinsurance Maximum: $500 Maximum Number of Days for Charging an IP Copay? # Days (1-10): mary Care Cost-Sharing After a Set Number of Visits? # Visits (1-10): Begin Primary Care Deductible/Coinsurance After a Set Number of Copays? # Copays (1-10): Output Calculate Status/Error Messages: Calculation Successful. Actuarial Value: 58.2% Metal Tier: Bronze This product, CT Costco AdvantagePlus 5650 PD, satisfies the HHS guidelines for a Bronze plan with an Actuarial Value of 58.2% Copay, if separate Page 14 of 16

199 Summary of Benefits Covered CT Costco Classic 3500 PD CT COSTCO CLASSIC 3500 PD Connecticut Silver Plan CT COSTCO CLASSIC 3500 PD Connecticut Silver Plan Summary of Features In-Network Out-of-Network Deductible Individual $3,500 $7,000 Family $7,000 $14,000 Coinsurance (Member Responsibility) 30% 50% $0 once out-of-pocket max. is satisfied Out-of-Pocket Maximum Individual $6,350 $12,700 Familiy $12,700 $25,400 All cost sharing accumulates to the Out of Pocket Maximum above Primary Care Visit to Treat an Injury or Illness $30 per visit 50% after deductible (excludes Preventative and X-rays) $45 per visit Specialist Visit $45 per visit 50% after deductible All Inpatient Hospital Services (includes Mental/Behavioral Health and Substance Abuse) 30% after deductible 50% after deductible Emergency Room Services $150 per visit Paid as In-Network Mental/Behavioral Health and Substance Abuse Disorder Outpatient Services $45 per visit 50% after deductible Imaging (CT/PET Scans, MRIs) 30% after deductible 50% after deductible Rehabilitative Speech Therapy $30 per visit after deductible 50% after deductible Rehabilitative Occupational and Rehabilitative Physical Therapy $30 per visit after deductible 50% after deductible Preventive Care/Screening/Immunization 0% 50% after deductible Laboratory Outpatient and Professional Services $30 per visit 50% after deductible X-rays and Diagnostic Imaging $45 per visit 50% after deductible Skilled Nursing Facility 30% after deductible 50% after deductible Outpatient Facility Fee (e.g., Ambulatory Surgery Center) 30% after deductible 50% after deductible Outpatient Surgery Physician/Surgical Services 30% after deductible 50% after deductible Pharmacy In-Network Out-of-Network Pharmacy Deductible Individual $500 $500 Family $1,000 $1,000 Generics Costco:$4 ded. waiv/non-costco$15 Copay 50% after $15 copay deductible waived Preferred Brand Drugs Costco:$35 Copay/Non Costco:$40 50% after $40 copay Non-Preferred Brand Drugs 50% after deductible 50% after deductible Specialty Drugs (i.e. high-cost) 50% up to max $500 copay 50% after deductible Page 15 of 16

200 CT Costco Classic 3500 PD Actuarial Value Snapshot The Actuarial Value Calculator (AV Calculator) is designed to give an estimate of network liability for a given plan design. This build of the AV Calculator uses data from a large national commercial database to build continuance tables by metal tier. User Inputs for Plan Parameters Use Integrated Medical and Drug Deductible? Apply Inpatient Copay per Day? HSA/HRA Options HSA/HRA Employer Contribution? Narrow Network Options Blended Network/POS Plan? Apply Skilled Nursing Facility Copay per Day? 1st Tier Utilization: 90% Annual Contribution Amount: arate OOP Maximum for Medical and Drug Spending? 2nd Tier Utilization: 10% Indicate if Plan Meets CSR Standard? Desired Metal Tier Tier 1 Plan Benefit Design Tier 2 Plan Benefit Design Medical Drug Combined Medical Drug Combined Deductible ($) $3, $ $3, $ Coinsurance (%, Insurer's Cost Share) 70.00% 50.00% 70.00% 50.00% OOP Maximum ($) OOP Maximum if Separate ($) $6, $6, Click Here for Important Instructions Type of Benefit Subject to Deductible? All Subject to Coinsurance? All Coinsurance, if different Copay, if separate Subject to Deductible? Subject to Coinsurance, if Coinsurance? different This product, CT Costco Classic 3500 PD, satisfies the HHS guidelines for a Silver plan with an Actuarial Value of 71.4% Copay, if separate Medical All All Emergency Room Services $ $ All Inpatient Hospital Services (inc. MHSA) 70% 70% Primary Care Visit to Treat an Injury or Illness (exc. Preventive, and X-rays) $30.00 $30.00 Specialist Visit $45.00 $45.00 Mental/Behavioral Health and Substance Abuse Disorder Outpatient Services $45.00 $45.00 Imaging (CT/PET Scans, MRIs) 70% 70% Rehabilitative Speech Therapy $30.00 $30.00 Rehabilitative Occupational and Rehabilitative Physical Therapy $30.00 $30.00 Preventive Care/Screening/Immunization 100% $ % $0.00 Laboratory Outpatient and Professional Services $30.00 $30.00 X-rays and Diagnostic Imaging $45.00 $45.00 Skilled Nursing Facility 70% 70% Outpatient Facility Fee (e.g., Ambulatory Surgery Center) 70% 70% Outpatient Surgery Physician/Surgical Services 70% 70% Drugs All All All All Generics $4.00 $15.00 Preferred Brand Drugs $35.00 $40.00 Non-Preferred Brand Drugs 50% 50% Specialty Drugs (i.e. high-cost) 50% 50% Options for Additional Benefit Design Limits: t a Maximum on Specialty Rx Coinsurance Payments? Specialty Rx Coinsurance Maximum: $500 Maximum Number of Days for Charging an IP Copay? # Days (1-10): mary Care Cost-Sharing After a Set Number of Visits? # Visits (1-10): Begin Primary Care Deductible/Coinsurance After a Set Number of Copays? # Copays (1-10): Output Calculate Status/Error Messages: Calculation Successful. Actuarial Value: 71.4% Metal Tier: Silver Tier 1 Tier 2 Page 16 of 16

201 Aetna Life Insurance Company SERFF Filing # AETN HIOS Product IDS: 39159CT008, 39159CT009, 39159CT012 Benefit Plans Form # and Plan-Ids, AV and Pricing Factors Exhibit A-2 Form # HIOS Plan-Id Plan Exchange ON/OFF Metallic Tier Cost - sharing Deductible Actuarial Value Plan Factors G1aHIXGR SB CT CT Aetna Premier 1000 PD ON Gold Base $1, % G1bHIXGR SB CT CT Aetna Premier 1000 PD: NA CSR $0 ON Gold Native American $1, % G1cHIXGR SB CT CT Aetna Premier 1000 PD: NA CSR LTD ON Gold Native American $1, % GR SB CT CT Aetna Advantage 3000 PD OFF Silver Base $3, % S1cHIXGR SB CT CT Aetna Advantage 3000 PD: CSR 73% ON Silver CSRCoins $3, % S1dHIXGR SB CT CT Aetna Advantage 3000 PD: CSR 87% ON Silver CSRCoins $3, % S1eHIXGR SB CT CT Aetna Advantage 3000 PD: CSR 94% ON Silver CSRCoins $3, % S1fHIXGR SB CT CT Aetna Advantage 3000 PD: NA CSR $0 ON Silver Native American $3, % S1gHIXGR SB CT CT Aetna Advantage 3000 PD: NA CSR LTD ON Silver Native American $3, % S1aHIXGR SB CT CT Aetna Advantage 3000 PD ON Silver Base $3, % B1aHIXGR SB CT CT Aetna Classic 3250 PD ON Bronze Base $3, % GR SB CT CT Aetna Classic 3250 PD OFF Bronze Base $3, % B1bHIXGR SB CT CT Aetna Classic 3250 PD: NA CSR $0 ON Bronze Native American $3, % B1cHIXGR SB CT CT Aetna Classic 3250 PD: NA CSR LTD ON Bronze Native American $3, % B3cHIXGR SB CT CT Aetna AdvantagePlus 5500 PD: NA CSR $0 ON Bronze Native American $5, % B3dHIXGR SB CT CT Aetna AdvantagePlus 5500 PD: NA CSR LTD ON Bronze Native American $5, % B3aHIXGR SB CT CT Aetna AdvantagePlus 5500 PD ON Bronze Base $5, % GR SB CT CT Aetna Basic PD OFF Catastrophic Base $6,350 N/A C1aHIXGR SB CT CT Aetna Basic PD ON Catastrophic Base $6,350 N/A GR SB CT CT Costco Advantage 6350 PD OFF Bronze Base $6, % GR SB CT CT Aetna Advantage 6350 PD NCM OFF Bronze Base $6, % GR SB CT CT Costco AdvantagePlus 5650 PD OFF Bronze Base $6, % GR SB CT CT Aetna AdvantagePlus 5650 PD NCM OFF Bronze Base $6, % GR SB CT CT Costco Classic 3500 PD OFF Silver Base $3, % GR SB CT CT Aetna Classic 3500 PD NCM OFF Silver Base $3, %

202 Aetna Life Insurance Company SERFF Filing # AETN HIOS Product IDS: 39159CT008, 39159CT009, 39159CT012 Exhibit B Age Rating Definitions and Factors for Connecticut Individual HHS Default Standard Age Curve and Older 3.000

203 Aetna Life Insurance Company SERFF Filing # AETN HIOS Product IDS: 39159CT008, 39159CT009, 39159CT012 Exhibit C-1 Rating Area Support for Connecticut Individual Current Individual Area Current Small Group HMO Proposed Individual Area County Rating Area Normalized CT SG HMO PMPM Relationship to Hartford County Factors Area Factors Factors Fairfield Rating Area Hartford Rating Area Litchfield Rating Area Middlesex Rating Area New Haven Rating Area New London Rating Area Tolland Rating Area Windham Rating Area

204 Aetna Life Insurance Company SERFF Filing # AETN HIOS Product IDS: 39159CT008, 39159CT009, 39159CT012 Exhibit C-2 Rating Area Defintions and Factors for Connecticut Individual Rating Area 1 Rating Area 2 Rating Area 3 Rating Area 4 Rating Area 5 Rating Area 6 Rating Area 7 Rating Area Fairfield Hartford Litchfield Middlesex New Haven New London Tolland Windham County County County County County County County County

205 Aetna Life Insurance Company SERFF Filing # AETN HIOS Product IDS: 39159CT008, 39159CT009, 39159CT012 Exhibit D Historic Connecticut Experience DOS Member Months Earned Premium Incurred Claims Paid Claims MBR Target MBR Actual to Expected CY ,230 $ 459,609 $ 104,512 $ 104, % N/A N/A CY ,171 $ 2,777,729 $ 1,122,777 $ 1,122, % N/A N/A CY ,835 $ 6,829,519 $ 4,218,868 $ 4,218, % 57.9% CY ,749 $ 12,218,411 $ 6,396,948 $ 6,396, % 59.9% CY ,273 $ 22,914,681 $ 12,327,530 $ 11,083, % 64.1% Jan-10 11,862 $ 2,492,989 $ 900,089 $ 824, % 65.1% Feb-10 12,176 $ 2,332,070 $ 983,235 $ 863, % 65.6% Mar-10 12,347 $ 2,439,779 $ 1,155,132 $ 1,003, % 65.8% Apr-10 12,478 $ 2,461,791 $ 1,374,763 $ 1,277, % 66.3% May-10 12,591 $ 2,556,045 $ 1,347,038 $ 1,206, % 66.6% Jun-10 12,678 $ 2,629,936 $ 1,280,745 $ 1,175, % 66.7% Jul-10 12,841 $ 2,707,224 $ 1,535,899 $ 1,342, % 67.2% Aug-10 13,091 $ 2,727,816 $ 1,533,947 $ 1,442, % 67.4% Sep-10 13,364 $ 2,871,063 $ 1,624,598 $ 1,480, % 67.6% Oct-10 13,717 $ 2,864,696 $ 2,357,402 $ 2,007, % 67.4% Nov-10 14,193 $ 3,072,423 $ 1,778,664 $ 1,800, % 67.4% Dec-10 14,596 $ 3,185,495 $ 2,379,107 $ 2,030, % 67.6% Jan-11 14,457 $ 3,314,921 $ 1,631,462 $ 1,693, % 67.7% Feb-11 14,650 $ 3,242,306 $ 1,986,335 $ 1,859, % 67.7% Mar-11 15,002 $ 3,285,115 $ 2,193,112 $ 1,930, % 67.7% Apr-11 15,179 $ 3,380,418 $ 1,584,999 $ 1,528, % 68.2% May-11 15,266 $ 3,476,299 $ 1,756,362 $ 1,531, % 68.5% Jun-11 15,354 $ 3,506,885 $ 2,083,901 $ 1,821, % 68.8% Jul-11 15,487 $ 3,470,656 $ 1,949,240 $ 1,820, % 69.5% Aug-11 15,632 $ 3,660,716 $ 2,571,022 $ 2,314, % 69.4% Sep-11 16,155 $ 3,465,804 $ 2,036,303 $ 1,930, % 68.9% Oct-11 16,554 $ 3,427,670 $ 2,790,076 $ 2,537, % 69.3% Nov-11 17,116 $ 3,502,506 $ 3,051,001 $ 2,829, % 69.4% Dec-11 17,709 $ 3,694,580 $ 2,982,832 $ 2,722, % 69.2% Jan-12 18,623 $ 3,903,856 $ 2,074,580 $ 1,914, % 68.9% Feb-12 19,494 $ 4,125,434 $ 2,436,348 $ 2,207, % 68.6% Mar-12 20,428 $ 4,299,961 $ 2,994,062 $ 2,747, % 68.3% Apr-12 21,246 $ 4,518,626 $ 2,897,117 $ 2,651, % 68.3% May-12 21,923 $ 4,678,646 $ 3,513,051 $ 3,132, % 68.3% Jun-12 22,690 $ 4,724,698 $ 2,863,846 $ 2,629, % 68.4% Jul-12 23,582 $ 4,978,413 $ 3,111,821 $ 2,776, % 68.4% Aug-12 24,427 $ 5,137,286 $ 3,466,348 $ 2,936, % 68.4% Sep-12 25,156 $ 5,316,505 $ 3,342,264 $ 3,011, % 68.5% Oct-12 25,814 $ 5,481,365 $ 3,428,279 $ 3,037, % 68.6% Nov-12 26,357 $ 5,670,195 $ 4,148,566 $ 3,784, % 68.6% Dec-12 27,055 $ 6,112,689 $ 3,783,812 $ 3,422, % 68.7% 0.901

206 Aetna Life Insurance Company SERFF Filing # AETN HIOS Product IDS: 39159CT008, 39159CT009, 39159CT012 Exhibit E Trend Support for Connecticut Individual Small Group HMO Claims Normalized Paid Claim PMPM Unit Cost (Admit/Day/Visit/Script) Utilization/1000 (Admit/Day/Visit/Script) Medical Cost Category CY 2011 CY 2012 Trend CY 2011 CY 2012 Trend CY 2011 CY 2012 Trend Inpatient Services $64.23 $ % $15, $16, % % Outpatient Services $36.95 $ % $1, $1, % % Physician Services $72.19 $ % $ $ % 4, , % Other Services $44.13 $ % $ $ % 2, , % Pharmacy $35.24 $ % $88.05 $ % 4, , % Total $ $ % $16, $18, % $ $ % Connecticut Individual PPO Claims Normalized Paid Claim PMPM Unit Cost (Admit/Day/Visit/Script) Utilization/1000 (Admit/Day/Visit/Script) Medical Cost Category CY 2011 CY 2012 Trend CY 2011 CY 2012 Trend CY 2011 CY 2012 Trend Hospital Inpatient $31.96 $ % $21, $20, % % Ambulatory Facility $14.02 $ % $1, $1, % % Emergency $3.57 $ % $1, $1, % % Specialist $25.04 $ % $ $ % 2, , % Primary Care Physician $10.94 $ % $ $ % 1, , % Radiology $9.22 $ % $ $ % % Lab $5.75 $ % $91.45 $ % 1, , % Home Health $0.43 $ % $ $ % % Mental Health $5.50 $ % $ $ % % Medical Pharmacy $8.21 $ % $ $ % % Pharmacy Rider $11.65 $ % $57.55 $ % 5, , % Total $ $ % N/A N/A 4.1% N/A N/A 0.4%

207 Aetna Life Insurance Company Exhibit F-1: Connecticut Individual Market Base Rate Development This exhibit summarizes the adjustments made to historical experience in developing the market base rate illustrated in Exhibit F-2. The purpose to this calculation is to develop a market level average claim rate. We include individual experience and adjustments through Line 7 to demonstrate the relationship between normalized claims for our current small group and individual business in Connecticut after accounting for the impact of adopting modified community rating and guaranteed issue. We note that the small group experience is based on a larger population and is more similar to the anticipated 2014 Individual market and will be used as the basis for rate development. This comparison is intended as a reasonability check on both the historical small group claims experience and the associated adjustments. Lines 1 and 2 o 1 - Member months for experience incurred 11/1/2011 through 10/31/2012 and paid through 12/31/2012. o 2 - Corresponding paid claims PMPM. The individual experience has been adjusted to reflect the national-average level of large claims for Aetna s individual business. o Approximately 1.6% of the individual claims on Line 2 is a provision for claims incurred but not reported (IBNR) as of 12/31/2012. o No credibility adjustment is made to experience period claims since the Connecticut experience for each market exceeds Aetna s threshold for full credibility which is set at 24,000 member months. Lines 3a through 3e are used to normalize claims to a common basis. Adjustments include: o 3a Average demographic factor (the factor for a 45 year-old male is 1.0). o 3b Adjustment to reflect the difference between the current mix of benefit plans and the benefit level for a common silver plan. o 3c Adjustment to include costs for state-specific Essential Health Benefits (EHBs) not included in Aetna s existing benefit factors. o 3d Area index to reflect the average claims level in the experience vs. Hartford County. o 3e Adjustment to reflect the cost difference between the actual duration mix of individual business and the anticipated lifetime average duration. Line 4 o Product of Lines 2, 3b, 3c, 3e divided by the product of Lines 3a, 3d. Line 5 o Line 6 o Anticipated impact of guarantee issue on individual experience and modified community rating on small group experience in the state of Connecticut. Please see Exhibit G for a description of the development of the guaranteed issue adjustment. Community rating adjustment refers to the rate impact that increased member choice will have when members or employees are able to individually elect benefit plans versus a common election for all employees by the employer. Adjustment to reflect differences between the morbidity-profile of Aetna s historical experience and the overall neutral market. Line 7 o Product of Lines 4 6. Line 8 o Estimated impact of increased first-year utilization for previously uninsured participants due to pent-up demand as discussed in Exhibit G.

208 Lines 9 and 10 o Medical trend factor used to project historical experience to the pricing period. Please see Exhibit E for support of the trend assumption. Line 11 o Adjustment for changes in network contracts between the historical experience and products/network that will be offered in Line 12 o Adjustment to remove the impact of tobacco use in the experience data, allowing a separate tobacco-use rating factor to be used in the rating formula. This adjustment is not applicable in Connecticut. Line 13 o Product of Lines 7, 8, 10, 11 and 12. Line 14 o Adjustment bringing the base rate to the 1.0 factor level (age 21) for the new age scale. Line 15 o Adjustment to rate level in Hartford County to offset changes in rating area definitions and mix of business. This adjustment is 1.0 since we are assuming a similar distribution in membership by rating area and believe costs in the future will follow a pattern similar to the current small group market. Line 16 o Product of Lines Line 17 o Line 18 o Sum of Lines 16 and 17. Line 19 Estimated cost of pediatric dental claims adjusted to the basis for the base rate. o Adjustment for the family billing limit of three dependent children. Line 20 o Adjusts rate level from the common silver plan in Line 3c to that of the Connecticut specific Standard Silver Plan which is the 1.0 for the new plan factor scale. Line 21 o Product of Lines 19 and 20. Line 22 o Anticipated reduction in claims costs due to expected reimbursements from the federal reinsurance program. Line 23 o Product of Lines 21 and 22. Line 24 o One minus the estimated portion of premium required for retention. Please see Section 12 of the Actuarial Memorandum for a discussion of our retention assumptions. Line 25 o Product of Lines 23 and 24. Line 26 o Adjustment for the anticipated impact of the federal risk adjustment program. Line 27 o Final Base Rate for the Standard Silver Plan, calculated as the product of Lines 25 and 26.

209 Aetna Life Insurance Company Connecticut Individual Market Index Rate Development Serff # AETN HIOS Product IDS: 39159CT008, 39159CT009, 39159CT012 Exhibit F-2 Small Group Revised Individual Prior Individual HMO PPO PPO 1) Member Months (Nov 11-Oct 12) 348, , ,611 2) Paid Claims PMPM (Nov 11-Oct 12) $ $ $ ) Normalize: a) Weighted Average A/G Claims Factor (Age 45) / b) Benefit Relativity to Silver Plan x c) EHB Adjustment x d) Common Rating Area Adjustment / e) Duration Adjustment x ) Normalized PMPM Claims Subtotal = $ $ $ ) Guaranteed Issue (IVL)/ Community Rating (SG) x ) Market Level Risk Adjustment x ) Comparative HCR Claims per Segment = $ $ $ ) Individual Uninsured Pent up Demand x ) Allowed Claim Trend - Rate 8.50% No. of Months 26 10) Claim Trend Factor x ) Network Recontracting Adjustment x ) Non-Tobacco User Adjustment x ) Silver Claim Rate = $ ` 14) Age Scale Normalization to 21 on HHS curve x ) Rating Area Normalization to 1.0 on Rating Area Curve x ) Normalized Claim Rate for Silver Plan = $ ) Pediatric Dental + $ ) Normalized Claim Rate for Silver Plan w/ Pediatric Dental = $ ) Adjustment for 3-child Family member cap x ) Adjustment to Base Silver Plan x ) Silver Base Claim Rate = $ ) Market-level Reinsurance x ) Expected Net Claims = $ ) 1 - Retention / ) Base Premium before Market-level Risk Adjustment = $ ) Market-level Risk Adjustment x ) Silver Base Premium Rate = $273.79

210 Aetna Life Insurance Company Exhibit G: Adjustments for Changes in Population Morbidity The projected claims level for the 2014 individual market needs to reflect changes in the average morbidity of the insured population. Adjustments are required for the impact of: removing medical underwriting adopting guaranteed issue of coverage delayed entry of the currently insured increased first-year utilization (pent-up demand) among the currently uninsured population that will enter the individual market in 2014 The approach taken to estimate the impact of these changes is discussed below. 1. Guaranteed Issue Adjustment A key provision of the Affordable Care Act is that all individual policies effective on or after January 1, 2014 are offered on a guaranteed issue basis, with rate differentiation for a plan limited to differences in rating area, age, and tobacco-use. In the pre-2014 Individual market, policy availability and rates vary by rating area, age, health status, and gender. The morbidity profile of the individual market will change in 2014 due to the impact of these rating changes and other healthcare reform provisions, including the individual mandate, advanced premium tax credits, and cost sharing subsidies. A profile (size and morbidity) of the population in Connecticut is constructed along the following dimensions to estimate the impact of these market changes: Current coverage segment Individual Non-Grandfathered, Individual Grandfathered, Small Group, High Risk, and Uninsured Health Status Age Band Income Level The population associated with each intersection of the above dimensions is developed from data provided by McKinsey and Company. The morbidity of each coverage segment is initially developed based on the following sources: Individual Non-Grandfathered, Individual Grandfathered, Small Group Aetna historical experience High Risk Wakeley Consulting Group risk score data Uninsured Medical Expenditure Panel Survey This analysis excludes population segments with income less than 133% of the Federal Poverty Level (FPL) since these individuals are expected to be eligible for Medicaid and would not be part of the 2014 individual market. We adjust the aggregate morbidity for each coverage segment to incorporate information from the SOA study Cost of the Newly Insured Under the Affordable Care Act and to reflect our best estimate of the relative morbidity of each coverage type. Based on internal risk adjustment models and Aetna experience, we estimate that the average small group morbidity is approximately 175% that of the individual membership. We believe the overall morbidity of the current uninsured population is equivalent to that of the current individual population. This estimate is reasonable given the SOA study mentioned above. The allowed costs in the SOA study appear to include changes in demographic mix, and as such, are not directly comparable to the values our modeling requires.

211 Once the profile of the population is constructed, a market migration model is used to assign each coverage segment to a 2014 insurance segment. This assignment is performed by calculating the perceived cost of each available coverage choice and assuming that the individuals in each intersection make the optimal choice. 1 The model allows assumptions to be made on the value assigned to insurance coverage and the variability in member choices from the optimal decision. The resulting 2014 individual market morbidity profile is calculated as the weighted average of the relative morbidities of the members electing non-grandfathered individual market coverage for the 2014 policy year. A summary of the pre-2014 population and resultant individual market profile follows. This summary includes the adjustments discussed below for delayed entry of the currently insured and pent-up demand. Connecticut Population ( 000s) Pre-2014 Morbidity Relativity* 2014 Non-Grandfathered Individual Population ( 000s) Population as % of Total Morbidity Relativity* UNINSURED % 53 49% 140% INDIVIDUAL % 29 27% 109% Individual - Grandfathered % 4 4% 107% Individual - Non- Grandfathered % 25 23% 109% SMALL GROUP % 24 22% 186% HIGH RISK 3 400% 3 2% 400% TOTAL % % 151% *Morbidity relativities assume that the current non-grandfathered morbidity is 100%. 2. Adjustment to Reflect Delayed Entry due to Policy-Year Renewal Timing We expect that existing non-grandfathered members will be able to maintain underwritten policies until the first policy anniversary after December 31, 2013 which could be as late as December This impacts the composition of the single risk pool in 2014 (vs. the model s assumption that all underwritten individual polices terminate at the end of 2013). We adjust the model to assume only half the current individual market that would otherwise enter the single risk pool actually does due to this delayed entry. While we anticipate higher insurance rates in 2014 will cause the healthiest portion of the current individual market to remain in pre-2014 plans as long as possible, we have assumed that the impact is evenly spread across the current individual population. We do not adjust the assumed migration by age so the impact of delayed entry could be larger than indicated by the above results. 3. Pent-Up Demand for the Newly Insured We expect that individuals purchasing coverage in 2014 who do not currently have health insurance will have deferred needed care in the past. Regardless of the relative morbidity of this population, we expect that they will have a higher level of utilization in the first year of coverage as they take advantage of increased access to the health care system. We reviewed historical Aetna experience in the individual market segregated by whether applicants had health insurance coverage prior to purchasing a policy from Aetna. Based on an analysis of this data, we 1 An individual in the pre-2014 individual grandfathered insurance segment would compare the perceived costs associated with retaining their grandfathered policy (premium + expected out-of-pocket medical costs), moving into the post-2014 individual market (premium + expected outof-pocket medical costs available subsidies), or going uninsured (mandate tax + expected out-of-pocket medical costs).

212 conclude that premiums should be 20% higher than average for applicants who did not have prior coverage. This data includes medically-underwritten business over a variety of policy durations. The 20% difference between average claims and claims for individuals who previously were uninsured is similar to the 15% impact discussed in a 1995 University of Minnesota report. Recognizing that the Aetna experience is limited to a medically underwritten population which could overstate this impact, we assume that the utilization for currently uninsured members in 2014 will be 15% greater than the current market average. This assumption increases the relative morbidity of the currently uninsured population by 15% from the otherwise-assumed level. The results discussed above include this higher utilization level for members who do not have prior insurance coverage. We also consider model results using a 0% assumption for pent-up demand to isolate the impact of this factor. The guaranteed issue factor assuming a 0% change in utilization due to pent up demand is The impact of pent-up demand is calculated as the multiplicative difference between and the indicated above, or 4.4%.

213 Aetna Life Insurance Company Exhibit H: Projected MLR The 2014 MLR expected for this product is 81.5%. This estimate does not include a credibility adjustment and is based on projected 2014 experience for plans that comply with the ACA market reform requirements. The following table details this calculation. Individual Formula (a) Member Months N/A (b) Premium (pmpm) $ (c) Medical Cost (pmpm) (1) $ (d) Medical Benefit Ratio (MBR) 73.39% = (c) / (b) (e) Quality Improvement Activities (pmpm) $2.13 = (b) x 0.6 % (2) (f) Taxes and Fees (pmpm) $32.65 = (b) x 9.18% (3) (g) Adjusted Premium (pmpm) $ = (b) - (f) (h) Adjusted Claims (pmpm) $ = (c) + (e) Medical Loss Ratio (MLR) 81.5% = (h) / (g) (1) Medical Costs are net of reinsurance recoveries estimated at $26.85 PMPM (or 9.33% of incurred claims). (2) Spending on quality improvement activities is estimated to be 0.6% of premium. (3) Taxes and fees are estimated to be 9.18% of premium. NOTE: ACA adjustments for QIA and taxes and fees are estimates based on historical experience and projected expenses. Values reflect current actuarial projections and will differ from the final reported MLR. This projection applies to the products included in this filing and is a standalone calculation for the 2014 calendar year. This projection differs from the MLR calculation specified by PPACA which includes three years of experience for all business in the MLR pool.

214 Actuarial Memorandum and Certification In Support of Unified Rate Review Template General Information Company Identifying Information: Company Legal Name: Aetna Life Insurance Company State: Connecticut HIOS Issuer ID: Market: Individual Effective Date: 1/1/2014 Company Contact Information: Primary Contact Name: Joseph Bochicchio Primary Contact Telephone Number: Primary Contact Address: Proposed Rate Increase(s) No rate increase is proposed in this filing. Experience Period Premium and Claims Paid Through Date: The experience is paid through February The experience period shown is 1/1/ /31/2012. Premiums (net of MLR Rebate) in Experience Period: The premiums shown are date-of-service premiums from our actuarial experience dataset. For the Individual Connecticut Minimum Loss Ratio pool in 2012, the expected rebates were 2.4% of premium and were adjusted out of the premiums. Allowed and Incurred Claims Incurred During the Experience Period: The medical cost analysis systems that provide estimates of completed allowed claims as well as utilization and unit cost metrics do not readily distinguish between Grandfathered and Non- Grandfathered blocks of business. Therefore, we used reports that include both portions of the existing experience block to estimate the relationship between incurred paid claims and incurred allowed claims. We also used this data to estimate the unit cost and utilization metrics and to allocate total incurred claims to the medical cost categories shown. In order to segregate non-grandfathered experience, we rely on a member-level data set which takes longer to construct that reports at higher levels of aggregation. As such, the experience data used for reporting on premium and incurred claims is paid through February 28, This data source does not provide detail on utilization levels or claims by service type. We use a different data source to calculate those values; that data is paid through March 31, The unit cost and utilization detail is considered to be reliable with three months of runoff. The Allowed claims are completed using the relationship between paid and completed paid claims, with data quality edits to ensure that allowed amounts are not skewed by the factors. The method tends to be less reliable for recent time periods, similar to paid completion. 1

215 Incurred But Not Paid (IBNP) reserves are estimated using actuarial principles and assumptions that consider historical and projected claim submission patterns, historical and projected claim processing time, medical cost trends, utilization of health care services, claim inventory levels, changes in membership and product mix, seasonality, and other relevant factors. For the experience period, we used two months of paid claim runoff to reduce the reliance on reserve estimates in the most recent incurred months. The IBNP reserves represent approximately 2% of the experience period claims. The IBNP completion factor is based on the claims set reported on WS1. This is an appropriate basis for developing the IBNP factors because this basis includes most of the experience reported on WS1 and the claims for members living in Connecticut. Benefit Categories The benefit categories used generally align with the instructions (dated March 18, 2013). Inpatient Hospital consists of care delivered at an inpatient facility and associated expenses, while Outpatient Hospital includes outpatient surgical as well as emergency care and associated expenses. Professional includes both specialty physician and primary care physician expenses. Other includes home health care, mental health care, medical pharmacy expenses, as well as laboratory and radiology expenses. Non-capitated ambulance is included in the Outpatient Hospital category when billed by the facility and included in Specialist Physician otherwise. Prescription Drug includes drugs dispensed by a pharmacy. Projection Factors Changes in the Morbidity of the Population Insured: The projected change in the morbidity of the population is based on modeling described in further detail in the actuarial memorandum included in the rate filing dated May 29, It includes the impact of: Guaranteed Issue (based on a market migration model), the Duration Adjustment (reflecting current durational mix), and Individual Uninsured Pent-Up Demand (incorporating first-year impact of previously uninsured participants). Trend Factors (cost/utilization): The trends utilized for the projections for Connecticut were developed based on Small Group experience for PPO plans for the Connecticut market. Actual historical net claims are reviewed at the market level. The data utilized in the trend analysis was based on the claim data incurred from January 2009 December 2012 paid through December To develop the pricing trend for 2012, the aggregate net trend for Calendar Year 2012 is normalized for area, seasonality, demographics and plan design. Additional adjustments are made based on items that were believed to have had an effect on the experience data such as changes in provider reimbursements, benefits and an increase in claims due to seasonal flu and snow. The changes in unit price contracted for professional services and the estimated increase in claims expected as a result of seasonal flu and snow were developed by our Medical Economics Unit. The pricing trend for 2013 and 2014 is developed by applying the value of the expected changes to the above listed items to the 2012 pricing trend. Changes in Benefits / Demographics / Other Adjustments: The expected mix of business for 2014 was projected and used to determine a projected market average rate. The effect of the change in 2

216 mix of business due to differences in benefits, demographics, and area is shown in the Other adjustment column. Credibility Manual Rate Development We relied fully upon our experience data and have therefore not provided manual rating assumptions. Credibility of Experience Aetna s standard for full credibility is 24,000 member months. The Connecticut experience exceeds this threshold. Paid to Allowed Ratio We are projecting the following distribution of membership by metallic tier, resulting in a projected paid to allowed ratio of approximately 63%: Projected Projected Membership Average Actuarial Tier Distribution Premium Value Catastrophic 11.4% $177 60% Bronze 67.2% $356 60% Silver 19.3% $487 70% Gold 2.1% $477 80% Total 100.0% $364 63% Risk Adjustment and Reinsurance Projected Risk Adjustments PMPM: Aetna is projecting a neutral impact of risk adjustment. We expect that we will have membership enrolled at approximately the market morbidity. Projected ACA Reinsurance Recoveries Net of Reinsurance Premium (Individual Market and Combined Markets Only): We are projecting an assessment of $5.25 per member per month and reinsurance payments of $26.90 per member per month for a net impact of recovering $21.65 per member per month. Projected reinsurance recoveries were based on internal tools used to price stop-loss coverage on large group business, which is reasonably similar to the projected block in that it is guaranteed issue and not medically underwritten. These projections reflect the anticipated demographic mix of 2014 enrollment. Non-Benefit Expenses and Profit & Risk Non-benefit expense and profit & risk loads are determined on a PMPM and percentage of premium basis. We calculate the expected equivalent percentage of premium to determine the required premium level. Premiums in this market reflect this target percentage for expenses and profit but differ between the two products to reflect differences in anticipated administrative expenses other than exchange user fees. 3

217 Administrative Expense Load: Projected PMPM costs of $52.15 for general administrative expenses, which includes 3.5% for commissions, for the Aetna PPO product and Co-Branded PPO product. These projections are derived from corporate experience for individual products and projections of Aetna s individual market enrollment in 2014 and changes in Aetna s cost structure from the 2012 experience. Profit (or Contribution to Surplus) & Risk Margin: 3% AFIT profit margin Taxes and Fees: Projected PMPM costs of $0.07 Risk Adjuster Program Fee and $0.17 PMPM for Patient Center Outcomes Research Fee, plus 2.6% Health Insurer Fee, 1.62% FIT and 2.06% State Premium Tax. We also project Exchange user fees of 1.9% based on an assumption that 53% of the membership in this market enrolls through the Marketplace. Projected Loss Ratio The projected loss ratio using the Federally prescribed MLR methodology is 81.5%, not including the credibility adjustment. Index Rate The index rate for the experience and projected periods are set equal to the actual and projected allowed claims, respectively, less non-ehb benefits. The non-ehbs in the experience period are coverage for an adult eye exam every 12 months and an optional dental rider. The non-ehbs in the projection period are coverage for an adult eye exam every 12 months. Historical claims for the dental rider are derived from a separate reporting system. We treat the full amount of these claims as non-ehbs. Non-EHB claims for the adult eye exams are estimated based on Aetna s historical claims costs for this service. This index rate reflects the projected mix of business by plans. The AV pricing values for each plan were set based on the actuarial value and cost-sharing design of the plan as well as the plan s provider network, delivery system characteristics, and utilization management practices. Rates do not differ for any characteristic other than those allowable under the regulations as described in as described in 45 CFR Part 156, (d)(2). Administrative cost variation between the Aetna PPO and Co-Branded PPO products were considered in development of AV pricing values; no variation in administrative costs is considered for plans within a product.. After reviewing the morbidity of our under age 30 enrollment across our book of business, and after considering the impact of the members eligible to enroll in the plan due to hardship, we have priced our catastrophic premiums to be approximately 25% below our bronze premium levels. AV Metal Values Information regarding AV Metal Value determination, including certifications, was previously provided in the memorandum included with the rate filing dated May 29, The AV Metal Values for the On-Exchange and their Off-Exchange counterpart plans are based on standard plan design parameters established by Access Health Connecticut. In accordance with a 4

218 waiver obtained by Access Health Connecticut, the minimum AV differential between the 70 percent and the 73 percent silver plan variations is less than the two percent required under federal law. The AV Metal Values for the Co-Branded PPO plans are preliminary and an amended URRT will be submitted at a later date to reflect the final benefit designs and pricing. AV Pricing Values The fixed reference plan is 39159CT Benefit factors were developed taking into account whether a specific plan covers pediatric dental benefits, the expected benefit category weights, the plan cost sharing and in-network discounts and steerage to preferred providers (where applicable). The Co-Branded PPO plans also reflect lower administrative expenses specific to the product. No further adjustments are reflected in the AV pricing values beyond the catastrophic plan adjustment discussed above. The AV Pricing Values for the Co-Branded PPO plans are preliminary and an amended URRT will be submitted at a later date to reflect the final benefit designs and pricing. Membership Projections The current membership distribution is not meaningful given the magnitude of market changes taking effect on January 1, Projections were entered at the product level rather than the plan level. Please see the section above on Paid to Allowed Ratio for projections by metallic tier. We assume that total enrollment will be similar to our current membership. We also have developed a distribution of membership by metal level based on modeling of market enrollment choices but have not developed detailed projections of membership by plan or variant to project membership subject to the cost-sharing subsidy. As such, membership is allocated within each metal level on an equal basis to each plan and then to each cost sharing variation within each Silver plan. Terminated Products The following products will be closed to new sales prior to 1/1/2014 and are included in the Terminated Products reporting column in Worksheet 2: 39159CT CT CT CT CT007 Due to the late guidance, we have listed the terminated products separately but all their experience is still combined into the first terminated product column. Warning Alerts Total Premium (TP) differs between Worksheets 1 and 2 by $170, or %. This is due to rounding of premiums and the need to allocate member months and dollars evenly to the plans reported at the product level. 5

219 Total Allowed Claims (TAC) does not differ between Worksheets 1 and 2. However, the spreadsheet indicates a Warning because it incorrectly subtracts Risk Adjustment and Reinsurance from Worksheet 1 before comparing to Worksheet 2. Historical Rate Increases are not populated for New Products based on the guidance in instructions dated March 18, They are also not populated for Terminated Products based on verbal guidance in American Academy of Actuaries call of April 18, 2013, as well as the impracticability of reporting meaningful historical rate increases for a combination of products. Actuarial Certification The Actuarial certification for the methodology used to calculate the AV Metal Value for each plan offered under the QHP has been provided separately in the required certification templates. The Actuarial certification for the methodology used to calculate the AV Metal Value for all other plans will be provided in the rate filing dated May 29, As noted above, the On-Exchange and their Off-Exchange counterpart plans are based on Standard Plan design parameters established by Access Health Connecticut. In accordance with a waiver obtained by Access Health Connecticut, the minimum AV differential between the 70 percent and the 73 percent silver plan variations is less than the two percent required under federal law. I hereby certify that the essential health benefit portion of premium upon which advanced payment of premium tax credits (APTCs) was determined appropriately based on the claims expected to be paid for non-ehb benefits and the expected cost sharing and administrative expenses thereupon. I hereby certify that the index rate is developed in accordance with federal regulations and the index rate and allowable modifiers are used in the development of plan specific premium rates. In preparing the Part I Unified Rate Review Template, I relied upon information provided by Katherine Musler, FSA MAAA. The information provided consisted of guidance regarding methodology and data definitions to ensure compliance with all guidance and instructions received to date. The Part I Unified Rate Review Template does not demonstrate the process used by Aetna to develop the rates. Rather it represents information required by Federal regulation to be provided in support of the review of rate increases, for certification of qualified health plans for Federally facilitated exchanges and for certification that the index rate is developed in accordance with Federal regulation and used consistently and only adjusted by the allowable modifiers. Bruce T. Campbell, FSA, MAAA May 29, 2013 Date 6

220 Rates Table Template v2.3 To validate press Validate button or Ctrl + Shift + V. To finalize, press Finalize button or Ctrl + Shift + F. Go to cell B1 for instructions If you are a community rating state, select Family Option under Age and fill in all columns. If you are not community rating state, select 0-20 under Age and provide an Individual Rate for every age band. If Tobacco is Tobacco User/Non-Tobacco User, you must give a rate for Tobacco Use and Non-Tobacco Use. To add a new sheet, press the Add Sheet button, or Ctrl + Shift + S. All plans must have the same dates on a sheet. HIOS Issuer ID* Federal TIN* Rate Effective Date* 01/01/2014 Rate Expiration Date* 12/31/2014 Plan ID* Rating Area ID* Tobacco* Age* Individual Rate* Required: Enter the 14-character Plan ID Required: Select the Rating Area ID Require: Select if Tobacco use of subscriber is used to determine if a person is eligible for a rate from a plan Required: Select the age of a subscriber eligible for the rate Required: Enter the rate of an Individual Non- Tobacco or No Preference enrollee on a plan 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

221 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

222 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

223 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

224 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

225 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

226 39159CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference

227 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

228 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

229 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

230 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

231 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

232 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

233 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

234 39159CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference

235 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

236 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

237 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

238 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

239 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

240 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

241 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference

242 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

243 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

244 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

245 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

246 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

247 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

248 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

249 39159CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference

250 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

251 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

252 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

253 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

254 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

255 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

256 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over

257 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

258 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

259 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

260 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

261 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

262 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

263 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

264 39159CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference

265 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

266 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

267 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

268 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

269 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

270 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

271 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

272 39159CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference

273 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

274 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

275 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

276 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

277 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

278 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

279 39159CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference

280 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

281 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

282 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

283 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

284 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

285 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

286 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

287 39159CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference

288 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

289 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

290 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

291 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

292 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

293 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

294 39159CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference

295 39159CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference

296 39159CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference CT Rating Area 1 No Preference 65 and over CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference

297 39159CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference CT Rating Area 2 No Preference 65 and over CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference

298 39159CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference CT Rating Area 3 No Preference 65 and over CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference

299 39159CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference CT Rating Area 4 No Preference 65 and over CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference

300 39159CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference CT Rating Area 5 No Preference 65 and over CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference

301 39159CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference CT Rating Area 6 No Preference 65 and over CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference

302 39159CT Rating Area 7 No Preference CT Rating Area 7 No Preference CT Rating Area 7 No Preference 65 and over CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference CT Rating Area 8 No Preference 65 and over

303 Joseph Bochicchio, ASA Individual Actuarial, RS2A Aetna Inc. 151 Farmington Ave. Hartford, CT (860) (phone) (860) (fax) June 27, 2013 Mr. Paul Lombardo, ASA, MAAA Department of Life and Health State of Connecticut Insurance Department 153 Market Street Hartford, CT Subject: Objection Response Dear Mr. Lombardo: Please see below for responses to your objection letter dated June 7, ) Provide premium rates in a.pdf file format. We have attached a.pdf version of rates, CT_IVL_39159_Rates.pdf. 2) Provide an updated Exhibit E that shows CY 2011 and CY 2012 unit cost and utilization. This data should be provided for the small group and individual CT markets separately. Please see a revised version of Exhibit E. As requested, we have included unit cost and utilization trends for CY 2011 and CY Please note that when looking at Connecticut specific claim experience, large claims in 2011 have skewed results causing trend in 2011 to be much higher than average and trend in 2012 to be much lower than average. The 2-year annualized trend for CY 2012 is 5.8% without the impact of durational deterioration, which is worth another 2%, for an overall trend of 7.8%. We have selected a value of 10% for our trend assumption, which falls between the Small Group trend of 11.6% and the Individual trend of 7.8%. 3) State of CT premium tax is 1.75% by statute; explain the premium tax of 2.06% outlined in the filing. The 2.06% is comprised of: 1.75% in premium tax (.52%) credit from personal property tax paid on electronic data processing equipment.83% Connecticut assessments paid (value of approximately $3.8M) 4) Why does the relationship between the proposed individual area factors, in Exhibit C-1, differ from the relationship between the normalized CT small group area factors that are used as the basis for the calculation? In order to keep rates affordable for all consumers across the state, we have capped our rating area factors at 1.15 relative to Hartford County. In areas where data was not fully credible we have

304 consolidated and selected a common rating area factor. This is consistent with our previous practice, as illustrated in our current individual and small group area factors. 5) In one section of the rate filing it states that the experience period is 11/1/2011 to 10/31/2012 and in the Part III Actuarial memorandum it states that the experience period for claims is CY 2012 with paid through February Explain The experience period was have used in our pricing is 11/1/2011 through 10/31/2012. The experience period we have used for the URRT is Calendar Year 2012, as this was produced at a later time when more recent data was available. 6) What is the current spread of renewals by month for the current block of Aetna individual business? The current spread of renewals by month (as of 2/31/2013) is: Renewal Month Members Percentage 1 4, % 2 3, % 3 2, % 4 1, % 5 1, % 6 1, % 7 2, % 8 2, % 9 2, % 10 2, % 11 2, % 12 2, % 7) Review exhibit F-2 line 25), the Department believes this is mislabeled and should just state risk adjustment rather than the 3 R adjustments. You are correct. We will update this exhibit once all other changes are made. 8) The single risk pool concept specifically excludes grandfathered experience, yet it appears that this was used to develop the experience period base which is then used as a basis for the rating period. Explain Our goal was to use the broadest experience base in determining the index rate. Therefore, we used both grandfathered and non-grandfathered experience in our analysis. We believe that through our normalization process we have put our experience on a consistent basis and it is therefore appropriate to use in determining the index rate. 9) In exhibit F-2, line 5) states that the Guaranteed Issue morbidity adjustment is and the uninsured pent-up demand in line 8) is The population risk morbidity adjustment in the Unified Rate Review Template (URRT) Part 1 is Explain the difference.

305 We have included the duration adjustment of in the morbidity adjustment as well. This is the only difference. 10) Provide more detailed support for the Other adjustment found in the URRT Part 1. The other adjustment was developed to include everything other than the Guarantee Issue morbidity adjustment, uninsured pent-up demand, duration adjustment and trend. The following other factors are captured in this adjustment: Adjustment of the experience period claims for the change in demographic mix (average age/gender, area distribution) Adjustment of the experience period claims to the current benefit offering EHB adjustment Network contracting adjustment Non-tobacco user adjustment 3-child rating limitation adjustment Pediatric Dental add-on Variance in experience period data used in rate development vs. calendar year experience shown in URRT 11) The CT Exchange has identified that the exchange user fee should be 1.35% of earned premium, this filing has the exchange user fee set at 1.9%, explain the difference. As stated in our actuarial memorandum, The financial sustainability plan for the Connecticut Exchange has not been established. An assumption was made that user fees and market assessments would be required that amounted to 1.9% of premium. Given there is now final guidance, we will adjust our rate filing accordingly once all other changes are made. 12) The filing states that the following two plans will only be offered on the exchange, Premier 1000 PD (Gold Plan) and CT Aetna AdvantagePlus 5500 PD (Bronze), pursuant to federal guidance, the Department believes that all plans offered in the exchange must be offered outside of the exchange. Please confirm your understanding of this issue. We are not aware of any provision, in the Affordable Care Act, in implementing regulations or even guidance from HHS, which would require that any Qualified Health Plan (QHP) offered on the Exchange must also be offered in the off Exchange market. ACA s guaranteed issue provision requires carriers to issue any plan that has been approved for sale in a market to any applicant, regardless of health status, but it does not view the on-exchange market and the off-exchange market as one. In responding to requests that certain provisions from the Exchange regulations be extended to the off-exchange market, e.g. allowing standalone pediatric dental plans and allowing medical plans without a pediatric dental benefit, HHS said they could not do so. And in developing the Market Reform Regulations, applicable to off-exchange business, HHS aligned the timing of Open Enrollment periods and required that policies sold off the Exchange be subject to the same marketing rules applicable to Qualified Health Plans sold on the Exchange. Significantly, however, HHS said nothing about a carrier having to market off-exchange all QHPs it markets on the Exchange. While ACA requires that a QHP sold off the Exchange must have the same premium rate off-exchange as it has on the Exchange, neither ACA nor the regulations anywhere require that all QHPS sold on the Exchange must also be sold off the Exchange.

306 13) Provide more detail on the development of the reinsurance recoveries. We estimated our 2014 reinsurance recoveries by using our Aetna Stop Loss model. This model is used for non-medically underwritten populations (similar to the 2014 Individual marketplace), for small to mid- sized group self-funded clients. We determined the national stop loss base rate using the federally established parameters of 80% of paid claims between $60,000 and $250,000, adjusted for 2014 enrollment assumptions and adjusted for the Connecticut geography. Please let me know if you have any further questions. Thanks. Sincerely, Joseph Bochicchio, ASA Senior Actuarial Consultant Encl: a/s

307 Joseph Bochicchio, ASA Individual Actuarial, RS2A Aetna Inc. 151 Farmington Ave. Hartford, CT (860) (phone) (860) (fax) July 9, 2013 Mr. Paul Lombardo, ASA, MAAA Department of Life and Health State of Connecticut Insurance Department 153 Market Street Hartford, CT Subject: Objection Response Dear Mr. Lombardo: Please see below for responses to your objection letter dated July 2, ) What would the impact to the index rate be if the grandfathered experience was excluded? The experience period incurred claims of the non-grandfathered business was lower than the combined claims ($ vs $145.81), or an 8.4% reduction. However, the required durational adjustment would be far greater (19.2% vs 8.1%) or an 11% increase). This nets an increase in the index rate of approximately 1%. 2) Explain what is meant by a durational adjustment. The durational adjustment measures the impact that medical underwriting has on the expected claims for a block of business. Under ACA, a medically underwritten block would be expected to pay into the Risk Adjustment (RA) program pool as the morbidity will be better than average. With our block of business in CT, we ve seen significant membership growth and very good claims performance while holding rate changes below expected claim trends. This would also be indicative of a block that would need to contribute under the RA program. We have used the durational adjustment as an estimate for the better morbidity in our base experience relative to the market average. The calculation of the duration adjustment reflects the difference in expected loss ratio and the target lifetime loss ratio. For example, the expected loss ratio of our business during the experience period was 69.37%, whereas our target lifetime loss ratio is 75.0%. Therefore, the durational adjustment is calculated as (.7500 /.6937), or

308 3) Based on a number of CMS calls and oral guidance the Department is requiring that all products offered on the exchange be offered off the exchange on a guaranteed issue basis. If Aetna can provide written confirmation from CMS that is contrary to this we will consider changing this requirement. We are still researching this objection and will respond by July 16. Please let me know if you have any further questions. Thanks. Sincerely, Joseph Bochicchio, ASA Senior Actuarial Consultant Encl: a/s

309 Bruce T. Campbell, FSA, MAAA Aetna Life Insurance Company 151 Farmington Avenue, RS1A Hartford, CT Phone: July 26, 2013 Mr. Paul Lombardo, ASA, MAAA Department of Life and Health State of Connecticut Insurance Department 153 Market Street Hartford, CT Subject: Aetna Life Insurance Company, NAIC No Product Name 2014 CT HIX Filing SERFF Tracking Number AETN Dear Mr. Lombardo: As communicated earlier, we are reducing the Exchange User Fee in our rate filing to 1.35%. Also, the following is our response to your objection letter dated July 22, 2013: 1) Reduce annual trend from the proposed 10.0% to 8.5%. Response The attached rate development exhibit F-2 reflects a trend of 8.5%. 2) Remove the 8.1% durational adjustment as the Department is not allowing risk adjustments in the first year of pricing. Response Given the strong relationship between the Small Group and Individual rates, we believe that both Small Group and Individual experience should be used as a basis to develop premium rates for the 2014 Individual market. We provided this information in our rate filing. In our rate filing we stated: The development of these rates involves a projection of who will be covered and at what cost in We have used available models and tools to accomplish this and shown, in our judgment, what the various components are worth relative to the final premium. The largest assumptions impacting the final rates are the cost of guaranteed issue and the market dynamics relative to who actually will be covered in 2014 given the relatively small tax penalties to incent the healthy and the delayed entry of existing medically underwritten market. As such, the final premiums presented here should also be evaluated on a reasonable basis against Small Group premiums rather than the contribution of a particular assumption. We recognize that other plans have taken a similar approach and used Small Group experience. We are willing to restructure our rate filing to rely only upon the Small Group experience that we provided with the initial rate filing. This change is consistent with proposals put forward by other plans and eliminates the need to use the duration and guaranteed issue assumptions in the rate filing, thereby reducing the reliance on judgment or assumptions in setting our 2014 premium rates. We have updated our rate development and attached revised Actuarial Memorandum and Exhibit F-2. We restructured Exhibit F-2 to show the development using the previously submitted Small Group experience, revised exchange user fee (1.35%), and applied an annual trend of 8.5%. We ve also added a column of Individual experience without the durational adjustment as requested by the Department. I believe that our premium rate level

310 is still appropriate with these changes and necessary in order to provide sustainable plans to the people of Connecticut. This rate filing also contains the non-qhp off-exchange plans that would be included within the single risk pool. I hope that you find these changes acceptable. Please feel free to contact me at the above listed telephone number and/or address if you have any additional questions. Sincerely, Bruce T. Campbell, FSA, MAAA

311 Bruce T. Campbell, FSA, MAAA Aetna Life Insurance Company 151 Farmington Avenue, RS1A Hartford, CT August 2, 2013 Mr. Paul Lombardo, ASA, MAAA Department of Life and Health State of Connecticut Insurance Department 153 Market Street Hartford, CT Subject: Aetna Life Insurance Company, NAIC No Product Name 2014 CT HIX Filing SERFF Tracking Number AETN Dear Mr. Lombardo: We have appreciated the chance to work with the Connecticut Insurance Department for the past months on a variety of key issues regarding ACA implementation. We continue our analysis of Aetna s overall company strategy, including the impact of our Coventry acquisition upon our larger business priorities. As the Department is aware, this acquisition closed in May, after our Exchange QHP application was submitted to the State. We have spent considerable time identifying those states in which we can be competitive and add the most value to the market. As a result of our analysis, we have reluctantly concluded that we will withdraw our Individual Exchange filings in Connecticut for Please be assured this is not a step taken lightly, and was made as part of national review of our Exchange strategy. We recognize there are many unknowns for all of us in this environment and we sincerely appreciate all of the hard work you and your team have put into making the Connecticut Exchange a success. We look forward to continuing to work together and will evaluate exchange participation in future years. Please feel free to contact me if you have any additional questions. Sincerely, Bruce T. Campbell, FSA, MAAA Senior Actuary