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Nationwide, the Nationwide N and Eagle, Nationwide is On Your Side, and On Your Side are service marks of Nationwide Mutual Insurance Company. © 2019 Nationwide.” Proprietary and Confidential

LEADING THE JOURNEY TO

ONE

Rhode Island Release 6.0

August, 2019 NB January, 2020 REN

One Product Customer Communication Letters Reference Guide Appendix

One Product Customer Communication Letters

Copyright© 2019 Nationwide Mutual Insurance Company. All rights reserved. Proprietary and Confidential

2

Table of Contents Click to follow link to Topic; Click the Home icon to return here.

Auto Letters

Nationwide General Insurance 3

Nationwide Mutual Insurance Company 6

Harleysville Preferred, Harleysville Insurance Company, Nationwide Mutual Insurance Company 9

Property Letters

Nationwide General, Nationwide Mutual Fire, Nationwide P&C 13

Harleysville Worcester Insurance Company 17

Umbrella Letters

Nationwide Mutual Insurance Company 22

Harleysville Preferred Insurance Company 24

Dwelling Fire Letters

Nationwide Mutual Fire Insurance Company 27

The Journey to ONE has Begun 30

DISCLAIMERS 31



3

AUTO Letter Nationwide General Insurance

NGI



4

AUTO Letter Nationwide General Insurance (cont’d.)

NGI



5

AUTO Letter Nationwide General Insurance (cont’d.)

NGI



6

AUTO Letter Nationwide Mutual Insurance Company

NMIC



7

AUTO Letter Nationwide Mutual Insurance Company (cont’d.)

NMIC



8

AUTO Letter Nationwide Mutual Insurance Company (cont’d.)

NMIC



9

AUTO Letter Harleysville Preferred, Harleysville Insurance Company, Nationwide Mutual Insurance Company

HPREF

HIC NMIC



10

AUTO Letter Harleysville Preferred, Harleysville Insurance Company, Nationwide Mutual Insurance Company (cont’d.)

HPREF HIC

NMIC



11


HPREF

HIC NMIC



12


HPREF HIC

NMIC



13

HOME Letter Nationwide General, Nationwide Mutual Fire, Nationwide P&C

NGI NMFIC

NPCC



14

HOME Letter Nationwide General, Nationwide Mutual Fire, Nationwide P&C (cont’d.)

NGI

NMFIC NPCC



15


NGI

NMFIC NPCC



16


NGI

NMFIC NPCC



17

HOME Letter Harleysville Worcester Insurance Company

HWIC



18

HOME Letter Harleysville Worcester Insurance Company (cont’d.)

HWIC



19


HWIC



20


HWIC



21


HWIC



22

UMBRELLA Letter

Nationwide Mutual Insurance Company

NMIC



23

UMBRELLA Letter

Nationwide Mutual Insurance Company (cont’d.)

NMIC



24

UMBRELLA Letter

Harleysville Preferred Insurance Company

HPREF



25

UMBRELLA Letter

Harleysville Preferred Insurance Company (cont’d.)

HPREF



26

UMBRELLA Letter

Harleysville Preferred Insurance Company (cont’d.)

HPREF



27

DWELLING FIRE Letter

Nationwide Mutual Fire Insurance Company

NMFIC



28


Nationwide Mutual Fire Insurance Company (cont’d.)

NMFIC



29


Nationwide Mutual Fire Insurance Company (cont’d.)

NMFIC



30

ONE Product The Journey to ONE has Begun

THE JOURNEY TO

ONEHAS BEGUN

“…These changes truly reflect our One Nationwide efforts – working across teams like Claims, Member Solutions, Services, and Sales and Distribution – and are a significant step toward bringing the power of One Nationwide to the market…Thank you for everything you do to support our current and future customers!”

David Arango Senior Vice President

Nationwide Property and Casualty, Personal Lines



31

Nationwide DISCLAIMERS Agent Disclaimers

Insurance terms, definitions and explanations used throughout this One Product Reference Guide are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages. Further, in the event of a claim, the facts and circumstances will be evaluated by applying the applicable policy language and state law.

(1) I agree that I am either: (a) an employee of Nationwide Mutual Insurance Company, Allied Insurance Company, Harleysville Insurance Group, or an affiliate or subsidiary of one or more of these companies; or (b) an Independent Contractor who has a contract and/or valid appointment with Nationwide Mutual Insurance Company, Allied Insurance Company, Harleysville Insurance Group, or an affiliate or subsidiary of one or more of these companies (hereafter, "Independent Contractor Agent"); or (c) an employee of or an independent contractor retained by an Independent Contractor Agent. Independent Contractor Agents Nationwide/Allied/Harleysville agents who are independent contractors are responsible for managing their own agencies. There are certain Nationwide procedures that must be followed in order to do business with Nationwide (e.g. use of a Nationwide approved system to transmit business). The information in this One Product Reference Guide may contain some of these required procedures and will be designated as such here or in other materials from Nationwide. All other documentation and information provided herein is for your consideration only, and it is not required that you use it. Nationwide cannot and does not guarantee that using any of the information contained herein will result in achieving your desired objectives, or that it is current or in compliance with your specific state laws. Nationwide continues to recommend that you consult with your personal attorney and business advisors regarding the specific operations of your agency. Employee Agents Nationwide agents who are employee agents must comply with the terms of their contract(s) with Nationwide and any other required Nationwide policies and procedures. The information in this training program may contain some of these required procedures and will be designated as such here or in other materials from Nationwide. All other documentation and information provided herein is for your consideration only, and it is not required that you use it. Nationwide cannot and does not guarantee that using any of the information contained herein will result in achieving your desired objectives. If you have any questions, please contact your appropriate management personnel. (2) I agree that the information contained in this document is proprietary to Nationwide and confidential. (3) I acknowledge that (i) certain information contained in this document is applicable to licensed individuals only and access to this information should not be construed as permission to perform any functions that would require a license and (ii) I am responsible for acting in accordance with all applicable laws and regulations. (4) I agree that I will only use the information and/or materials contained in or provided in this One Product Reference Guide for the benefit of Nationwide; and (5) I agree that I will cease using information presented in this One Product Reference Guide, and return or destroy any material provided to me associated with this subject matter and all copies thereof once: (a) In the case of an Independent Contractor Agent, my contract with Nationwide is cancelled for any reason or I no longer hold any appointments with Nationwide; (b) In the case of an employee of or independent contractor retained by an Independent Contractor Agent, I cease to be employed or retained by the Independent Contractor Agent; or (c) In the case of an employee of Nationwide, when my employment is terminated for any reason. Nationwide Employees This One Product Reference Guide contains confidential and proprietary Nationwide information, including but not limited to Nationwide policies and practices. Improper use or disclosure of confidential and proprietary information could have adverse ramifications to Nationwide corporately, and from an employee perspective, could lead to disciplinary action, up to and including termination. For more information about your responsibility related to Nationwide's confidential information, please see Section 2.12 of the Nationwide Policy Guide.

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