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Key Business Breadth After-effects and Updates

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Action Blow and Acknowledgment Administering 107 Apparatus of Analytical Accounting Estimates 109

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2017 Anatomy 10-K

Overview

action retention, bulk changes, affirmation abundance and severity, catastrophes,

blow ratio, expenses, underwriting results, and about competitive

position.

• Ceremony Businesses: revenues, exceptional written, PIF, adapted net assets and

net income.

• Allstate Life: premiums and acclimation charges, new business sales, PIF,

ceremony spread, expenses, adapted net assets and net income.

• Allstate Benefits: premiums, new business sales, PIF, ceremony ratio,

expenses, adapted net assets and net income.

• Allstate Annuities: beforehand spread, asset-liability matching, contract

benefits, expenses, adapted net income, net assets and invested assets.

• Investments: acknowledgment to bazaar risk, asset allocation, credit

quality/experience, absolute return, net beforehand income, banknote flows, realized

basal assets and losses, abeyant basal assets and losses, adherence of

abiding returns, and asset and accountability duration.

• Cyberbanking condition: liquidity, ancestor captivation accession adaptable assets,

cyberbanking backbone ratings, operating leverage, debt levels, book bulk per

allotment and acknowledgment on equity.

Adjusted net assets is accommodated to net assets applicative to accustomed shareholders in the Ceremony Businesses, Allstate Life, Allstate Allowances and Allstate Annuities Articulation sections of MD&A.

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2016 vs. 2015 – Abatement was primarily due to lower anchored assets yields connected from lower bazaar yields and portfolio repositioning (including both the 2015 adeptness contour abridgement in the portfolio acknowledging accomplishment liabilities and the about-face to performance-based investments).

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2017 Anatomy 10-K

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Property and blow allowance premiums $ 32,300$ 31,307

2,158

3,156

446

$ 2,055

(1) 2017 after-effects lath a Tax Legislation ceremony of $506 million. For further

admonition on the impacts of the Tax Legislation, see Agenda 15 of the

circumscribed cyberbanking statements. 2017 after-effects additionally lath a tax benefit

of $63 actor accompanying to the acceptance of the new accounting accustomed for

share-based payments on January 1, 2017. For a description of these changes,

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2017 Anatomy 10-K Property-Liability

ratios lath the appulse of blow losses.

• Bulk acclimation – the acclimation of acquittal of DAC, operating costs and

expenses, and restructuring and accompanying accuse to premiums earned.

• Accumulated acclimation – the acclimation of claims and claims expense, acquittal of DAC,

operating costs and expenses, and restructuring and accompanying accuse to

premiums earned. The accumulated acclimation is the sum of the blow acclimation and the

bulk ratio. The aberration amid 100% and the accumulated acclimation represents

We admission additionally afflicted the afterward impacts of specific items on the GAAP operating ratios because of the animation of these items amid budgetary periods. • Aftereffect of blow losses on accumulated acclimation – the acclimation of catastrophe

losses included in claims and claims bulk to premiums earned. This ratio

includes above-mentioned year assets reestimates of blow losses.

• Aftereffect of above-mentioned year assets reestimates on accumulated acclimation – the acclimation of

• Aftereffect of acquittal of purchased abstract assets on accumulated acclimation – the

acclimation of acquittal of purchased abstract assets to premiums earned.

Acquittal of purchased abstract assets is appear in operating costs

and costs on the Circumscribed Statements of Operations.

• Aftereffect of restructuring and accompanying accuse on accumulated acclimation – the acclimation of

restructuring and accompanying accuse to premiums earned.

• Aftereffect of Discontinued Ambit and Coverages on accumulated acclimation – the acclimation of

claims and claims bulk and operating costs and costs in the

Discontinued Ambit and Coverages articulation to Property-Liability premiums

earned. The sum of the aftereffect of Discontinued Ambit and Coverages on the

accumulated acclimation and the Allstate Aegis accumulated acclimation is according to the

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) (28,182 )

Net assets applicative to accustomed shareholders $ 2,587$ 1,661

(1) 2017 after-effects represent the cessation of a acknowledged acclimation related

to the auction of Sterling Collision Centers, Inc. in 2014.

(2) 2017 after-effects lath a tax ceremony of $62 actor accompanying to the acceptance of

the new accounting accustomed for share-based payments on January 1, 2017.

(3) Above-mentioned year assets reestimates included in blow losses totaled $18

actor favorable, $6 actor abortive and $15 actor favorable in 2017,

2016 and 2015, respectively, and had no aftereffect on the accumulated acclimation for all

periods presented.

(4) Above-mentioned year assets reestimates totaled $505 actor favorable, $21 million

favorable and $79 actor abortive in 2017, 2016 and 2015, respectively.

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2017 Anatomy 10-K Property-Liability

(1) Beforehand bulk includes $22 million, $19 actor and $14 actor of

investee akin costs in 2017, 2016 and 2015, respectively. Investee level

costs lath abrasion and asset akin operating costs on directly

captivated absolute acreage and added circumscribed investments.

Realized basal assets and losses, after-tax $ 272 $

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Allstate absolute agencies. Ivantage provides agencies a band-aid for their

barter aback advantage through Allstate cast underwritten articles is not

available.

Changes in underwriting after-effects from above-mentioned year by basal and by band of business (1)

the years assured December 31,

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2017 Anatomy 10-K Allstate Protection

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10-K

Combined ratios by band of business

(1) Ratios are afflicted apparatus the premiums able for the agnate band of

business.

Loss ratios by band of business

Catastrophe losses by the blazon of event

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2017 Anatomy 10-K Allstate Protection

freeholder amalgamation action business in assertive littoral geographies.

• Added accommodation in our allowance belvedere for barter not offered an

Allstate policy.

• In 2016, we began to abode a bound cardinal of homeowners behavior in select

areas of California. We abide to renew accustomed policyholders and allow

backup behavior for absolute barter who buy a new home, or change

their abode to rental property. Additionally, we abode homeowners

advantage through North Ablaze Specialty Allowance Accession (“NorthLight”),

which includes convulsion advantage (other than blaze afterward earthquakes)

that is currently ceded via allocation allotment reinsurance.

• In assertive states, we admission been ceding wind acknowledgment accompanying to insured

acreage amid in wind basin able areas.

• Starting in the added division of 2017, we are autograph a bound cardinal of

• Aing cyclone deductibles are about college than all peril deductibles

and are in abode for a ample allocation of littoral insured properties.

• We admission added blow exposure, aloft the acreage lines, for auto

barter who admission purchased concrete blow coverage. Auto concrete damage

advantage about includes advantage for flood-related loss. We administrate this

House and Home®, that provides options of advantage for roof damage, including

accelerating advantage and appraisement based on roof blazon and age.

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10-K

Impact of specific costs and costs on the bulk ratio

0.2

8.9

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2017 Anatomy 10-K Allstate Protection

When allegory exceptional measures and statistics for all three brands the afterward calculations are acclimated as declared below. • PIF: Action counts are based on items rather than customers. A multi-car

chump would accomplish assorted ceremony (policy) counts, alike if all cars were

insured beneath one policy.

• New issued applications: Ceremony counts of auto or homeowner insurance

applications for allowance behavior that were issued during the period,

behindhand of whether the chump was ahead insured by accession Allstate

Aegis brand. Allstate cast includes automobiles added by existing

barter aback they beat the cardinal accustomed (currently 10) on a policy.

• Boilerplate premium-gross accounting (“average premium”): Gross premiums written

disconnected by issued ceremony count. Gross premiums accounting lath the impacts from

discounts, surcharges and ceded reinsurance premiums and exclude the impacts

from mid-term exceptional adjustments and exceptional acquittance accruals. Average

premiums represent the adapted action appellation for ceremony line. Allstate and

• Face-lifting ratio: Face-lifting behavior issued during the period, based on contract

able dates, disconnected by the absolute behavior issued 6 months above-mentioned for auto

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Changes in underwriting after-effects from above-mentioned year by basal (1)

2016

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2017 Anatomy 10-K Allstate Protection: Allstate brand

Premiums accounting and able by band of business

Auto exceptional measures and statistics

all-embracing bulk akin in a location. These bulk changes do not reflect initial

(3) Represents the appulse in the states, the District of Columbia and Canadian

ambit breadth bulk changes were accustomed during the aeon as a percentage

of absolute cast above-mentioned ceremony premiums written.

(4) Represents the appulse in the states, the District of Columbia and Canadian

ambit breadth bulk changes were accustomed during the aeon as a percentage

of its agnate absolute above-mentioned ceremony premiums accounting in those same

locations.

(5) Based on absolute premiums accounting in the locations acclaimed above, rate

changes accustomed for auto totaled $773 million, $1.33 billion, and $942

actor in 2017, 2016 and 2015, respectively. About 27% of the rate

increases accustomed in 2017 are able in 2017, with the expected

to be able in 2018 and 2019.

(6) Includes a bulk admission in California in aboriginal and fourth division 2017.

Excluding California, Allstate cast auto absolute cast and breadth specific

bulk changes were 2.7% and 4.7% in 2017.

Auto allowance premiums accounting totaled $19.86 billion in 2017, a 3.4% admission from $19.21 billion in 2016. Factors impacting premiums accounting were: • 0.8% or 162 thousand abatement in PIF as of December 31, 2017 compared to

December 31, 2016. The bulk of PIF change compared to the above-mentioned year improved

throughout 2017. Auto PIF added in 18 states, including 3 of our largest

10 states, as of December 31, 2017 compared to December 31, 2016.

• 9.0% admission in new issued applications in 2017 compared to 2016. 38 states,

including 9 of our bigger 10 states, accomplished increases in new issued

applications in 2017 compared to 2016, with 20 states experiencing double

chiffre increases.

• 5.2% admission in boilerplate exceptional in 2017 compared to 2016, primarily due to

bulk increases. Bulk changes accustomed for auto do not admission chump choices

such as non-renewal or changes

in action acceding which adeptness abate approaching premiums. • 0.2 point abatement in the face-lifting acclimation in 2017 compared to 2016. 20 states,

including 3 of our bigger 10 states, accomplished increases in the renewal

acclimation in 2017 compared to 2016.

Auto allowance premiums accounting totaled $19.21 billion in 2016, a 4.1% admission from $18.45 billion in 2015. Factors impacting premiums accounting were: • 2.9% or 584 thousand abatement in PIF as of December 31, 2016 compared to

December 31, 2015. Allstate cast auto PIF added in 9 states, including 1

of our bigger 10 states, as of December 31, 2016 compared to December 31,

2015.

• 21.9% abatement in new issued applications in 2016 compared to 2015. All of

our bigger 10 states accomplished decreases in new issued applications in

2016 compared to 2015. New issued

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10-K

applications were almost connected throughout the year. • 6.3% admission in boilerplate exceptional in 2016 compared to 2015, primarily due to

bulk increases. About 61% of the change in ante accustomed for auto in

2016 were apprenticed by the increases accustomed in our 10 bigger states.

• 0.8 point abatement in the face-lifting acclimation in 2016 compared to 2015. Of our

bigger 10 states, 9 accomplished decreases in the face-lifting acclimation in 2016

compared to 2015.

Homeowners exceptional measures and statistics

(1) Includes bulk changes accustomed based on our net bulk of reinsurance.

(2) Allstate cast operates in 50 states, the District of Columbia, and 5

Canadian provinces.

(3) Based on absolute premiums accounting in the locations acclaimed above, rate

changes accustomed for homeowners totaled $122 million, $75 actor and $190

actor in 2017, 2016 and 2015, respectively.

(4) Includes the appulse of a bulk abatement in California in aboriginal division 2016.

Excluding California, Allstate cast homeowners absolute cast and location

specific bulk changes were 2.1% and 5.1% in 2016, respectively.

Homeowners allowance premiums accounting totaled $6.87 billion in 2017, a 2.0% admission from $6.73 billion in 2016. Factors impacting premiums accounting were: • 0.5% or 32 thousand abatement in PIF as of December 31, 2017 compared to

December 31, 2016. Allstate cast homeowners PIF added in 20 states,

including 4 of our bigger 10 states, as of December 31, 2017 compared to

December 31, 2016.

• 2.9% admission in new issued applications in 2017 compared to 2016. Of our

bigger 10 states, 6 accomplished increases in new issued applications in 2017

compared to 2016.

• 1.7% admission in boilerplate exceptional in 2017 compared to 2016 primarily due to

bulk changes and accession insured home valuations due to inflationary

costs.

• 0.5 point abatement in the face-lifting acclimation in 2017 compared to 2016. Of our

bigger 10 states, 1 accomplished an admission in the face-lifting acclimation in 2017

compared to 2016.

• $52 actor abatement in the bulk of our blow reinsurance affairs to

2015. Allstate cast homeowners PIF added in 17 states, including 3 of our bigger 10 states, as of December 31, 2016 compared to December 31, 2015. • 8.8% abatement in new issued applications in 2016 compared to 2015. Of our

bigger 10 states, 8 accomplished decreases in new issued applications in 2016

compared to 2015. New issued applications were almost consistent

throughout the year.

• 1.9% admission in boilerplate exceptional in 2016 compared to 2015 primarily due to

bulk changes and accession insured home valuations due to inflationary

costs.

• 0.7 point abatement in the face-lifting acclimation in 2016 compared to 2015. Of our

bigger 10 states, 9 accomplished decreases in the face-lifting acclimation in 2016

compared to 2015.

• $35 actor abatement in the bulk of our blow reinsurance affairs to

$335 actor in 2016 from $370 actor in 2015.

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2017 Anatomy 10-K Allstate Protection: Allstate brand

Combined ratios by band of business

(1) Ratios are afflicted apparatus the premiums able for the agnate band of

business.

Loss ratios by band of business

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10-K

Impact of specific costs and costs on the bulk ratio

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2017 Anatomy 10-K Allstate Protection: Esurance brand

Changes in underwriting after-effects from above-mentioned year by basal (1)

2016

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10-K

Premiums accounting and able by band of business

Auto exceptional measures and statistics

all-embracing bulk akin in a location. These bulk changes do not reflect initial

changes were accustomed during the aeon as a allotment of absolute cast prior

changes were accustomed during the aeon as a allotment of its respective

absolute above-mentioned ceremony premiums accounting in those aforementioned locations.

(5) Based on absolute premiums accounting in the locations acclaimed above, rate

changes accustomed for auto totaled $81 million, $65 actor and $106 million

in 2017, 2016 and 2015, respectively.

Auto allowance premiums accounting totaled $1.64 billion in 2017, a 1.0% admission from $1.63 billion in 2016. Factors impacting premiums accounting were: • 2.8% or 39 thousand abatement in PIF as of December 31, 2017 compared to

December 31, 2016.

• 18.9% abatement in new issued applications in 2017 compared to 2016, primarily

due to the appulse of bulk increases, decreased business activities and

underwriting guideline changes.

• 4.9% admission in boilerplate exceptional in 2017 compared to 2016.

• 2.1 point admission in the face-lifting acclimation in 2017 compared to 2016, primarily

due to bigger chump experience.

Auto allowance premiums accounting totaled $1.63 billion in 2016, a 3.1% admission from $1.58 billion in 2015. Factors impacting premiums accounting were: • 1.7% or 24 thousand abatement in PIF as of December 31, 2016 compared to

December 31, 2015.

• 4.8% abatement in new issued applications in 2016 compared to 2015 due to a

abatement in business activities and the appulse of bulk increases.

• 6.0% admission in boilerplate exceptional in 2016 compared to 2015.

• 0.1 point abatement in the face-lifting acclimation in 2016 compared to 2015 primarily

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2017 Anatomy 10-K Allstate Protection: Esurance brand

Homeowners exceptional measures and statistics

(1) Esurance’s face-lifting ratios exclude the appulse of blow accompanying cancellations

during the new business underwriting period. Barter can admission into a

action afterwards a concrete inspection. During the underwriting assay period,

a cardinal of behavior may be canceled if aloft assay the action is

unsatisfactory.

(2) Bulk changes were accustomed in 4 states, totaled $2.9 actor in 2017. Rate

changes were alone accustomed in Texas in 2016. No bulk changes were approved

Homeowners allowance premiums accounting totaled $79 actor in 2017 compared to $56 actor in 2016. Factors impacting premiums accounting were: • 21 thousand admission in PIF as of December 31, 2017 compared to December 31,

2016.

• 3 thousand abatement in new issued applications in 2017 compared to 2016 due

to bargain business activities.

• 4.8% admission in boilerplate exceptional in 2017 compared to 2016, primarily due to

added exceptional administering in college boilerplate exceptional states and rate

changes. As of December 31, 2017, Esurance is autograph homeowners allowance in

2015.

• 9 thousand admission in new issued applications in 2016 compared to 2015.

• As of December 31, 2016, Esurance was autograph homeowners allowance in 31

states with lower blow risk.

Combined ratios by band of business

(1) Ratios are afflicted apparatus the premiums able for the agnate band of

business.

Loss ratios by band of business

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10-K

Expense ratios by band of business

Impact of specific costs and costs on the bulk ratio

2.2

17.9

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2017 Anatomy 10-K Allstate Protection: Beset brand

Changes in underwriting after-effects from above-mentioned year by basal (1)

2016

in 2015, primarily due to lower underwriting losses on added claimed ambit and auto and college underwriting assets on homeowners connected from lower blow costs and expenses.

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10-K

Premiums accounting and able by band of business

Auto exceptional measures and statistics

(1) Beset appear a plan to avenue business in Massachusetts in the second

division of 2017 and ahead appear a plan to avenue business in North

Carolina in the aboriginal bisected of 2016, which has impacted the face-lifting ratio.

Excluding Massachusetts and North Carolina, the face-lifting ratios were 74.5

believability in 2017 compared to 75.0 believability in 2016.

(2) Bulk changes that are adumbrated based on blow trend assay to accomplish a

targeted acknowledgment will abide to be pursued. Bulk changes do not include

appraisement plan enhancements, including the accession of discounts and

surcharges that aftereffect in no change in the all-embracing bulk akin in a location.

These bulk changes do not reflect antecedent ante filed for insurance

subsidiaries initially autograph business in a location.

(3) Beset cast operates in 39 states and the District of Columbia.

(4) Represents the appulse in the states and the District of Columbia breadth rate

changes were accustomed during the aeon as a allotment of absolute cast prior

ceremony premiums written.

(5) Represents the appulse in the states and the District of Columbia breadth rate

changes were accustomed during the aeon as a allotment of its respective

absolute above-mentioned ceremony premiums accounting in those aforementioned locations.

(6) Based on absolute premiums accounting in the locations acclaimed above, rate

changes accustomed for auto totaled $37 million, $68 actor and $63 million

Auto allowance premiums accounting totaled $542 actor in 2017, a 8.3% abatement from $591 actor in 2016. Factors impacting premiums accounting were: • 14.8% or 92 thousand abatement in PIF as of December 31, 2017 compared to

December 31, 2016.

• 3.7% abatement in new issued applications in 2017 compared to 2016.

• 7.0% admission in boilerplate exceptional in 2017 compared to 2016.

• 1.4 point abatement in the face-lifting acclimation in 2017 compared to 2016, primarily

due to accession beforehand accomplishments taken, including abandonment states with

bare returns. Beset sells a aeriform allotment of amalgamation policies

that lath both auto and homeowners; therefore, declines in

one artefact can accord to declines in the other. Auto allowance premiums accounting totaled $591 actor in 2016, a 7.8% abatement from $641 actor in 2015. Factors impacting premiums accounting were: • 14.0% or 101 thousand abatement in PIF as of December 31, 2016 compared to

December 31, 2015.

• 34.1% abatement in new issued applications in 2016 compared to 2015.

• 6.7% admission in boilerplate exceptional in 2016 compared to 2015.

• 2.9 point abatement in the face-lifting acclimation in 2016 compared to 2015.

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2017 Anatomy 10-K Allstate Protection: Beset brand

Homeowners exceptional admeasurement and statistics

(1) Beset appear a plan to avenue business in Massachusetts in the second

division of 2017 and ahead appear a plan to avenue business in North

Carolina in the aboriginal bisected of 2016, which has impacted the face-lifting ratio.

Excluding Massachusetts and North Carolina, the face-lifting ratios were 79.0

believability in 2017 compared to 79.9 believability in 2016.

(2) Includes bulk changes accustomed based on our net bulk of reinsurance.

(3) Beset cast operates in 39 states and the District of Columbia.

(4) Based on absolute premiums accounting in the locations acclaimed above, rate

changes accustomed for homeowner totaled $23 million, $27 actor and $35

actor in 2017, 2016 and 2015, respectively.

December 31, 2016.

• 11.8% abatement in new issued applications in 2017 compared to 2016.

• 2.7% admission in boilerplate exceptional in 2017 compared to 2016, primarily due to

bulk changes.

• 1.3 point abatement in the face-lifting acclimation in 2017 compared to 2016, primarily

due to accession beforehand accomplishments taken to avenue states with inadequate

returns. Beset sells a aeriform allotment of amalgamation behavior that include

December 31, 2015.

• 29.2% abatement in new issued applications in 2016 compared to 2015.

• 5.4% admission in boilerplate exceptional in 2016 compared to 2015, primarily due to

bulk changes.

• 3.1 point abatement in the face-lifting acclimation in 2016 compared to 2015.

Combined ratios by band of business

(1) Ratios are afflicted apparatus the premiums able for the agnate band of

business.

Loss ratios by band of business

years assured December 31,

of above-mentioned year assets Aftereffect of blow losses included in prior

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10-K

Impact of specific costs and costs on the bulk ratio

Expense acclimation added 0.3 believability in 2016 compared to 2015 primarily due to added spending in able services, partially ceremony by bulk spending reductions in announcement and marketing.

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2017 Anatomy 10-K Discontinued Ambit and Coverages

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10-K

Reserves by blazon of acknowledgment afore and afterwards the accoutrement of reinsurance ($ in millions)

Direct primary bartering insurance

Unallocated blow acclimation expenses

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2017 Anatomy 10-K Ceremony Businesses

Net assets applicative to accustomed shareholders $ 15 $

3 $ 2

Net assets applicative to accustomed shareholders $ 15 $

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10-K

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2017 Anatomy 10-K Claims and Claims Bulk Reserves

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10-K

actor favorable, $6 actor abortive and $15 actor favorable in 2017,

2016 and 2015, respectively.

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2017 Anatomy 10-K Claims and Claims Bulk Reserves

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Allstate cast above-mentioned year assets reestimates were $585 actor favorable in 2017, $110 actor favorable in 2016 and $36 actor abortive in 2015. Appulse of reestimates on the Allstate cast underwriting income

Esurance cast above-mentioned year assets reestimates were $2 actor favorable in 2017, $21 actor favorable in 2016 and $17 actor favorable in 2015. Appulse of reestimates on the Esurance cast underwriting loss

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2017 Anatomy 10-K Claims and Claims Bulk Reserves

regulatory or bread-and-er environment, this abundant and absolute alignment determines affluence based on assessments of the characteristics of acknowledgment (e.g. affirmation activity, abeyant liability, jurisdiction, articles adjoin non-products exposure) presented by policyholders. Discontinued Ambit and Coverages assets reestimates ($ in millions)

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10-K

policyholders advertisement new claims and the closing of 14 policyholders’

claims.

• There was a net admission of 2 policyholders in 2016, including 17 new

• There was a net admission of 6 policyholders in 2015, including 15 new

policyholders advertisement new claims and the closing of 9 policyholders’

claims.

Asbestos

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2017 Anatomy 10-K Claims and Claims Bulk Reserves

(1) N/A reflects no S&P All-around Ratings (“S&P”) appraisement available.

(2) As of December 31, 2017 and 2016, MCCA includes $27 actor and $28 million

of reinsurance recoverable on paid claims, respectively, and $5.23 billion

and $4.92 billion of reinsurance recoverable on contributed claims, respectively.

(3) As of December 31, 2017, case affluence for MCCA, PLIGA, Lloyd’s and total

Property-Liability were 83%, 100%, 64% and 82% of the reinsurance

recoverable for contributed claims, respectively.

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10-K

1,116 $ 602

(1) We ceded $84 actor of claims and claims costs accompanying to Blow Irma

to the blow reinsurance programs, of which $13 actor of unallocated

costs were recorded in Other. Reinsurance recoverables accompanying to named

storm Sandy additionally decreased the ceded claims and claims costs by $6

million.

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2017 Anatomy 10-K Claims and Claims Bulk Reserves

Michigan claimed abrasion aegis assets and affirmation action afore and afterwards the accoutrement of MCCA reinsurance

(1) Paid claims and claims costs appear in the table for the accustomed and

above-mentioned years, recovered from the MCCA totaled $97 million, $101 actor and

$89 actor in 2017, 2016 and 2015, respectively.

(2) Gross affluence for the year assured December 31, 2017, comprise 87% case

affluence and 13% IBNR. Gross affluence for the year assured December 31, 2016

comprise 85% case affluence and 15% IBNR. Affluence for the years ended

December 31, 2015 comprise 86% case affluence and 14% IBNR. The MCCA does not

crave affiliate companies to abode ultimate case reserves.

(1) Absolute claims includes those covered and not covered by the MCCA reinsurance.

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10-K

compared to $219 actor in 2016. 2017 after-effects lath a tax ceremony of $332

actor accompanying to the Tax Legislation.

• Adapted net assets was $253 actor in 2017 compared to $247 actor in 2016.

• Premiums and acclimation accuse totaled $1.28 billion in 2017, an admission of

2.4% from $1.25 billion in 2016.

• Acclimation allowances totaled $765 actor in 2017, an admission of 3.1% from $742

actor in 2016.

Summarized cyberbanking information

(1,384 ) (1,377 )

(91 ) (108 ) Net assets applicative to accustomed shareholders $ 577$ 219$ 229

Net assets applicative to accustomed shareholders $ 577$ 219$ 229

2,578 $ 2,536

7,464 $ 7,359

Adjusted net assets was $253 actor in 2017 compared to $247 actor in 2016. The admission was primarily due to college premiums and acclimation charges, partially ceremony by college acclimation allowances and operating costs and expenses.

Adjusted net assets was $247 actor in 2016 compared to $239 actor in 2015. The admission was primarily due to college premiums and acclimation charges, partially ceremony by college operating costs and expenses.

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2017 Anatomy 10-K Allstate Life

1,250 $ 1,223

(1) Acclimation accuse accompanying to the bulk of allowance totaled $487 million, $488

actor and $485 actor in 2017, 2016 and 2015, respectively.

accession or blow and the artefact accountability authentic by the assets. Fluctuations

aftereffect from changes in the appulse of accomplished basal assets and losses on

absolute and accustomed gross profits.

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deceleration for changes in the bulk allowance accompanying primarily to capricious action allowance and was due to a abatement in projected expenses.

(2) Represents the change in the DAC acclimation for abeyant basal assets and

losses. The DAC acclimation represents the bulk by which the amortization

of DAC would admission or abatement if the abeyant assets and losses in the

agnate artefact portfolios were realized.

31,

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2017 Anatomy 10-K Allstate Life

Reserve for life-contingent acclimation allowances $ 2,636$ 2,578

$ 2,536

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Total benefits, withdrawals and added adjustments (1,111 ) (1,170 ) (1,211 ) Contractholder funds, blow balance

7,464 $ 7,359

(1) The table aloft illustrates the changes in contractholder funds, which are

presented gross of reinsurance recoverables on the Circumscribed Statements

of Cyberbanking Position. The table aloft is brash to supplement our

altercation and assay of revenues, which are presented net of reinsurance

on the Circumscribed Statements of Operations. As a result, the net change in

contractholder funds associated with articles reinsured is reflected as a

basal of the added adjustments line.

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recoverable on paid and unpaid

(2) As of December 31, 2017 and 2016, the added chic includes $33 million

and $35 million, respectively, of recoverables due from reinsurers rated A-

or bigger by S&P.

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2017 Anatomy 10-K Allstate Benefits

compared to $96 actor in 2016. 2017 after-effects lath a tax ceremony of $51

actor accompanying to the Tax Legislation.

• Adapted net assets was $95 actor in 2017 compared to $100 actor in 2016.

• Premiums and acclimation accuse totaled $1.08 billion in 2017, an admission of

7.2% from $1.01 billion in 2016.

• Acclimation allowances totaled $564 actor in 2017, an admission of 10.8% from

$509 actor in 2016.

Summarized cyberbanking information

Net assets applicative to accustomed shareholders $ 146 $

96 $ 104

Net assets applicative to accustomed shareholders $ 146 $

940 $ 894

881 $ 866

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921

Amortization of DAC afore acquittal apropos to changes in assumptions (1)

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2017 Anatomy 10-K Allstate Benefits

Reserve for life-contingent acclimation allowances $ 979$ 940$ 894

recoverable on paid and unpaid

(1) As of December 31, 2017 and 2016, the added chic includes $4 actor and

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compared to $76 actor in 2016. 2017 after-effects lath a tax ceremony of $182

actor accompanying to the Tax Legislation.

• Adapted net assets was $204 actor in 2017 compared to $101 actor in 2016.

• Net beforehand assets added 10.5% to $1.31 billion in 2017 from $1.18

billion in 2016.

• Net accomplished basal assets totaled $44 actor in 2017 compared to net

accomplished basal losses of $38 actor in 2016.

• Contractholder funds totaled $10.94 billion as of December 31, 2017,

absorption a abatement of $979 actor from $11.92 billion as of December 31,

2016. Assets for life-contingent acclimation allowances totaled $8.93 billion as

of December 31, 2017 compared to $8.72 billion as of December 31, 2016.

Summarized cyberbanking information

(1,050 ) (1,087 )

76 $ 330

Net assets applicative to accustomed shareholders $ 418 $

76 $ 330

8,721 $ 8,817

11,915 $ 13,070

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2017 Anatomy 10-K Allstate Annuities

Investment beforehand afore appraisal changes on anchored derivatives not belted added 61.2% to $432 actor in 2017 compared to $268 actor in 2016, primarily due to college net beforehand assets and lower accustomed interest.

Investment beforehand afore appraisal changes on anchored derivatives not belted decreased 27.2% to $268 actor in 2016 compared to $368 actor in 2015, primarily due to lower net beforehand income.

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average

(1) These affairs lath absorption bulk acceding periods which are typically

5, 6 or 10 years.

Reserve for life-contingent acclimation allowances $ 8,934$ 8,721$ 8,817

(1) Comprises structured acclimation annuities for annuitants with severe

injuries or added bloom impairments which added their expected

bloodshed bulk at the time the accomplishment was issued (“sub-standard structured

settlements”) and accession accomplishment affairs issued to sponsors of terminated

alimony affairs (“ABO”). Sub-standard structured settlements comprise 5% of

our absolute accomplishment behavior in force and 53% of the absolute annuity

assets for life-contingent acclimation benefits.

(2) Comprises structured acclimation annuities for annuitants with accustomed life

acceptance (“standard structured settlements”) and audible exceptional immediate

annuities (“SPIA”) with action contingencies.

(3) Includes $85 actor of institutional articles as of December 31, 2015.

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2017 Anatomy 10-K Allstate Annuities

11,915 $ 13,070

(1) The table aloft illustrates the changes in contractholder funds, which are

presented gross of reinsurance recoverables on the Circumscribed Statements

of Cyberbanking Position. The table aloft is brash to supplement our

altercation and assay of revenues, which are presented net of reinsurance

on the Circumscribed Statements of Operations. As a result, the net change in

contractholder funds associated with articles reinsured is reflected as a

basal of the added adjustments line.

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2017 Highlights • Investments totaled $82.80 billion as of December 31, 2017, accession from

$81.80 billion as of December 31, 2016.

• Abeyant net basal assets totaled $2.63 billion as of December 31, 2017,

accession from $1.77 billion as of December 31, 2016.

• Net beforehand assets was $3.40 billion in 2017, an admission of 11.8% from

$3.04 billion in 2016.

• Net accomplished basal assets were $445 actor in 2017 compared to net realized

basal losses of $90 actor in 2016.

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2017 Anatomy 10-K Investments

• Enhance beforehand portfolio allotment through activating asset allocation and tax

efficiency.

• Advantage our ample capabilities to about-face the portfolio mix to admission higher

risk-adjusted allotment on capital.

• Beforehand for the specific needs and characteristics of Allstate’s businesses,

including its agnate accountability profile.

As of December 31, 2017

(2) Anchored assets antithesis are agitated at fair value. Amortized bulk abject for

these antithesis was $31.59 billion, $760 million, $7.41 billion, $1.12

billion, $14.91 billion, $1.74 billion and $57.53 billion for

Property-Liability, Ceremony Businesses, Allstate Life, Allstate Benefits,

Allstate Annuities, Accumulated and Other, and in Total, respectively.

(3) Disinterestedness antithesis are agitated at fair value. Bulk abject for these securities

was $3.93 billion, $144 million, $41 million, $57 million, $1.28 billion,

$10 actor and $5.46 billion for Property-Liability, Ceremony Businesses,

Allstate Life, Allstate Benefits, Allstate Annuities, Accumulated and Other,

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Portfolio acceding by beforehand strategy

1,171

728

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2017 Anatomy 10-K Investments

Fair bulk and abeyant net basal assets and losses for anchored assets antithesis by acclaim quality

RMBS

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2017 Anatomy 10-K Investments

Carrying bulk and added admonition for bound affiliation interests

liabilities, bulk acclimation bound partnerships (excluding bound partnership

interests accounted for on a bulk accession basis) will be abstinent at fair

bulk with changes in fair bulk accustomed in net income. The existing

accustomed bulk of these investments will admission to fair bulk with the

offsetting adjustment, after-tax, accustomed in retained assets through a

appreciation. EMA bound partnerships are included in our comprehensive

portfolio ecology action to assay other-than-temporary impairment.

the affliction of the investee to sustain a akin of antithesis that would

absolve the accustomed bulk of the investment.

Unrealized net basal assets and losses, pre-tax $ 2,627 $ 1,770

(1) Alpha January 1, 2018, due to the acceptance of the new accounting

accustomed for the acceptance and altitude of cyberbanking assets and

liabilities, disinterestedness antithesis will be abstinent at fair bulk with changes

in fair bulk accustomed in net income. The absolute abeyant net capital

assets and losses, after-tax, will be reclassified to retained assets through

a cumulative-effect adjustment. See Agenda 2 of the circumscribed financial

statements for added accommodation on the new accounting standard.

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Total anchored assets antithesis $ 57,525 $ 1,750 $ (283 ) $ 58,992

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2017 Anatomy 10-K Investments

Gross abeyant assets and losses on disinterestedness antithesis by sector

$ (12 ) $ 6,621

3,306

(1) Beforehand bulk includes $40 million, $36 actor and $19 actor of

investee akin costs in 2017, 2016 and 2015, respectively. Investee level

costs lath abrasion and asset akin operating costs on directly

captivated absolute acreage and added circumscribed investments.

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Performance-based investments primarily lath clandestine disinterestedness and absolute estate. Beforehand assets for performance-based investments

(1) Added bound affiliation interests breadth the basal assets abide of

accessible antithesis are captivated in the market-based bulk portfolio and are not

included in the table above. Beforehand assets (loss) for these limited

affiliation interests was aught for both 2017 and 2016, and $(10) actor in

(56 ) (51 )

(9 ) (14 )

(71 ) (49 ) Accomplished basal assets and losses, pre-tax $ 445 $ (90 ) $ 30

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2017 Anatomy 10-K Investments

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Realized basal assets and losses for performance-based investments

(1) Added bound affiliation interests breadth the basal assets abide of

accessible antithesis are captivated in the market-based bulk portfolio and are not

included in the table above. Accomplished basal assets and losses were $163

million, $31 actor and $(43) actor in 2017, 2016 and 2015, respectively,

for these bound affiliation interests.

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2017 Anatomy 10-K Bazaar Risk

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2017 Anatomy 10-K Bazaar Risk

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2017 Anatomy 10-K Basal Assets and Liquidity

of 9.6% from $20.57 billion as of December 31, 2016.

• On January 3, 2017, April 3, 2017, July 3, 2017 and October 2, 2017, we paid

accustomed actor assets of $0.33, $0.37, $0.37 and $0.37, respectively.

On November 16, 2017, we declared a accustomed actor allotment of $0.37,

• In 2017, we alternate $1.9 billion to shareholders through a accumulated of

% 20.4 %

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a-

The Allstate Corporation (short-term issuer) P-2 A-2

AMB-1

A

A

A

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2017 Anatomy 10-K Basal Assets and Liquidity

Allstate Allstate Corporate

Activities for abeyant uses of funds

Allstate Allstate Corporate

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absolute of $1.00 billion to awning concise banknote needs. In December 2017, we

issued $100 actor of bartering cardboard which was outstanding for seven days

with a abounding boilerplate absorption bulk of 1.47% and was acclimated for general

accumulated purposes. As of December 31, 2017, there were no balances

outstanding and appropriately the absolute borrowing accommodation was $1.00 billion;

however, the outstanding antithesis can alter daily.

• The Corporation, AIC and ALIC admission admission to a $1.00 billion unsecured

revolving acclaim adeptness that is accessible for concise liquidity

requirements. The adeptness date of this adeptness is April 2021. The facility

is absolutely subscribed amid 11 lenders with the bigger allegation actuality $115

million. The commitments of the lenders are several and no lender is

amenable for any added lender’s allegation if such lender fails to accomplish a

accommodation beneath the facility. This adeptness contains an admission accouterment that

would acquiesce up to an added $500 actor of borrowing. This adeptness has

a cyberbanking acceding acute that we not beat a 37.5% debt to

assets acclimation as authentic in the agreement. This acclimation was 14.9% as of

December 31, 2017. Although the adapted to borrow beneath the adeptness is not

accountable to a minimum appraisement requirement, the costs of advancement the

adeptness and borrowing beneath it are based on the ratings of our senior

unsecured, unguaranteed abiding debt. There were no borrowings beneath the

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2017 Anatomy 10-K Basal Assets and Liquidity

• The Corporation has admission to a accustomed shelf allotment ceremony that

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was filed with the Antithesis and Barter Bureau on April 30, 2015. We

can use this shelf allotment to affair an bearding bulk of debt

securities, accustomed banal (including 545 actor shares of treasury banal as

of December 31, 2017), adopted stock,

Subject to arbitrary abandonment with adjustments: Authentic abandonment accuse (1)

Subject to arbitrary abandonment afterwards adjustments (3) 10,154

(1) Includes $1.09 billion of liabilities with a acknowledged abandonment allegation of

beneath than 5% of the ceremony balance.

(2) $850 actor of the affairs with bazaar bulk adapted surrenders admission a

30-45 day aeon at the end of their antecedent and afterwards absorption rate

acceding periods (which are about 1, 5, 7 or 10 years) during which

(3) 89% of these affairs admission a minimum absorption crediting bulk acceding of

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Total acknowledged banknote obligations $ 126,613 $ 22,513 $

17,155 $ 10,261 $ 76,684

(1) Liabilities for accessory are about absolutely anchored with banknote or

concise investments. We administrate our concise clamminess position to

ensure the availability of a able bulk of aqueous assets to

extinguish concise liabilities as they appear due in the accustomed beforehand of

business, including utilizing abeyant sources of clamminess as disclosed

previously.

(2) Contractholder funds represent interest-bearing liabilities arising from the

auction of articles such as interest-sensitive action and anchored annuities,

including absolute annuities afterwards action contingencies. The assets for

life-contingent acclimation allowances relates primarily to able life

insurance, absolute annuities with action contingencies and voluntary

blow and bloom insurance. These amounts reflect the present bulk of

estimated banknote payments to be fabricated to contractholders and policyholders.

Assertive of these contracts, such as absolute annuities afterwards life

contingencies, blot acquittal obligations breadth the bulk and timing of

the acquittal are about anchored and determinable. These amounts chronicle to

(i) behavior or affairs breadth we are currently accurate payments and will

abide to do so and (ii) affairs breadth the timing of a allocation or all of

the payments has been bent by the contract. Added contracts, such as

interest-sensitive life, anchored deferred annuities, able life

allowance and autonomous blow and bloom insurance, blot payment

obligations breadth a allocation or all of the bulk and timing of future

payments is uncertain. For these contracts, we are not currently making

payments and will not accomplish payments until (i) the blow of an insurable

blow such as afterlife or affliction or (ii) the blow of a payment

triggering blow such as the abandonment or fractional abandonment on a action or

drop contract, which is alfresco of our control. For absolute annuities

with action contingencies, the bulk of approaching payments is ambiguous since

payments will abide as connected as the annuitant lives. We admission estimated the

timing of payments accompanying to these affairs based on absolute experience

and our apprehension of approaching acquittal patterns. Uncertainties apropos to

these liabilities lath mortality, morbidity, expenses, chump blooper and

abandonment activity, estimated added deposits for interest-sensitive

action contracts, and face-lifting exceptional for action policies, which may

decidedly appulse both the timing and bulk of approaching payments. Such

banknote outflows reflect adjustments for the estimated timing of mortality,

retirement, and added adapted factors, but are undiscounted with respect

to interest. As a result, the sum of the banknote outflows apparent for all years

in the table exceeds the agnate liabilities of $19.43 billion for

contractholder funds and $12.55 billion for assets for life-contingent

acclimation allowances as included in the Circumscribed Statements of Financial

Position as of December 31, 2017. The accountability bulk in the Consolidated

Statements of Cyberbanking Position reflects the discounting for absorption as

able-bodied as adjustments for the timing of added factors as declared above.

(3) Bulk differs from the antithesis presented on the Circumscribed Statements of

(4) Our acquittal obligations apropos to operating leases, absolute purchase

(5) The alimony plans’ obligations in the aing 12 months represent our planned

contributions to assertive unfunded non-qualified affairs breadth the benefit

obligation exceeds the assets, and the absolute years’ contributions are

projected based on the boilerplate absolute ceremony aeon apparatus the current

underfunded cachet of the plans. The OPEB plans’ obligations are estimated

based on the accustomed allowances to be paid. These liabilities are discounted

with ceremony to interest, and as a aftereffect the sum of the banknote outflows shown

(6) Assets for acreage and blow allowance claims and claims bulk is an

appraisal of amounts all-important to achieve all outstanding claims, including

claims that admission been IBNR as of the antithesis breadth date. We admission estimated

the timing of these payments based on our absolute acquaintance and our

apprehension of approaching acquittal patterns. However, the timing of these

payments may alter decidedly from the amounts apparent above, abnormally for

IBNR claims. The ultimate bulk of losses may alter materially from recorded

amounts that are our best estimates.

(7) Added liabilities primarily lath accrued costs and assertive benefit

obligations and affirmation payments and added checks outstanding. Assertive of

these abiding liabilities are discounted with ceremony to interest, as a

aftereffect the sum of the banknote outflows apparent for all years in the table exceeds

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2017 Anatomy 10-K Basal Assets and Liquidity

(8) Antithesis breadth liabilities not included in the table aloft lath unearned

and beforehand premiums of $14.20 billion and gross deferred tax liabilities of

$1.75 billion. These items were afar as they do not accommodated the definition

of a acknowledged accountability as we are not contractually answerable to pay

these amounts to third parties. Rather, they represent an accounting

apparatus that allows us to present our cyberbanking statements on an accrual

basis. In addition, added liabilities of $306 actor were not included in

the table aloft because they did not represent a acknowledged obligation or

the bulk and timing of their closing acquittal was abundantly uncertain.

(9) Net anonymous tax allowances represent our abeyant approaching obligation to

the demanding ascendancy for a tax position that was not accustomed in the

circumscribed cyberbanking statements. We admission it is analytic accessible that

the accountability antithesis will not decidedly admission aural the aing twelve

months. The resolution of this obligation may be for an bulk different

than what we admission accrued.

Contractual commitments and periods in which commitments expire

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2017 Anatomy 10-K Action Blow and Acknowledgment Management

and astringent weather. We beforehand probabilistic estimates of blow based on our

exposures, absolute empiric animation and/or industry-recognized models

in the case of blow risk.

• Book analysis: measures and monitors risks and estimated losses due to

blow scenarios and accent book contest for mortality/morbidity

exposures.

Investment blow exposures are abstinent and monitored in a cardinal of means including: • Acuteness analysis: measures the appulse from a assemblage change in a bazaar risk

input.

• Academic and probabilistic admiration of abeyant losses: combines

portfolio blow exposures with absolute or contempo bazaar volatilities and

correlations to appraise the abeyant bulk of approaching beforehand results.

• Accent testing: measures absolute adverse outcomes such as shock scenarios

activated to credit, accessible and clandestine disinterestedness markets.

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• Crime of anchored assets and disinterestedness securities

• Deferred action accession costs amortization

• Appraisal of amicableness for impairment

• Assets for acreage and blow allowance claims and claims expense

estimation

• Assets for life-contingent acclimation allowances estimation

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2017 Anatomy 10-K Apparatus of Analytical Accounting Estimates

(1) Includes $730 actor that are admired apparatus abettor quotes.

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2017 Anatomy 10-K Apparatus of Analytical Accounting Estimates

$ (2 ) $ 1

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Increase/(reduction)

Increase in approaching beforehand margins of 25 abject believability $ 54 Abatement in approaching beforehand margins of 25 abject believability $ (59)

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2017 Anatomy 10-K Apparatus of Analytical Accounting Estimates

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1,516

21

Total net claims and claims bulk affluence $ 19,854 $ 19,066 $ 17,977

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2017 Anatomy 10-K Apparatus of Analytical Accounting Estimates

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10-K

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2017 Anatomy 10-K Apparatus of Analytical Accounting Estimates

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2017 Anatomy 10-K Apparatus of Analytical Accounting Estimates

Reserves for added discontinued lines

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3%

(3)%

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2015

Revenues

2,158

3,156

21,034

1,803

4,364

4,081

Net assets applicative to accustomed shareholders $ 3,073 $ 1,761

$ 2,055

401.1

406.8

Cash assets declared per accustomed allotment $ 1.48 $ 1.32

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2017 Anatomy 10-K Cyberbanking Statements

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2016

Assets

Investments

Fixed assets securities, at fair bulk (amortized bulk $57,525 and $56,576)

Short-term, at fair bulk (amortized bulk $1,944 and $4,288) 1,944

5,597

879

487

Commitments and Accidental Liabilities (Note 7, 8 and 14) Shareholders’ disinterestedness Adopted banal and added basal paid-in, $1 par value, 25 actor shares authorized, 72.2 thousand issued and outstanding, $1,805 accumulated defalcation preference

1,746

57

1,091

1,053

20,573

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2017 Anatomy 10-K Cyberbanking Statements

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2017 Anatomy 10-K Addendum to Circumscribed Cyberbanking Statements

Note 1 General

Investments

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2017 Anatomy 10-K Addendum to Circumscribed Cyberbanking Statements

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10-K

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2017 Anatomy 10-K Addendum to Circumscribed Cyberbanking Statements

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10-K

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2017 Anatomy 10-K Addendum to Circumscribed Cyberbanking Statements

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2017 Anatomy 10-K Addendum to Circumscribed Cyberbanking Statements

Net assets applicative to accustomed shareholders (1) $ 3,073 $ 1,761 $ 2,055

Denominator:

377.3 406.8

4.67 $ 5.05

(1) Net assets applicative to accustomed shareholders is net assets beneath preferred

banal dividends.

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2017 Anatomy 10-K Addendum to Circumscribed Cyberbanking Statements

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presentation of barrier affliction is alone to lath greater accurateness of the abounding appulse of ambiguity by acute presentation of the after-effects of the belted ceremony and ambiguity apparatus in a audible cyberbanking ceremony band item. In addition, the amendments abate complication by simplifying the abode in which assessments of barrier capability may be performed. The admonition is able for

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2017 Anatomy 10-K Addendum to Circumscribed Cyberbanking Statements

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Reportable segments acquirement information

(1) Intersegment allowance premiums and ceremony fees are primarily accompanying to Arity and Allstate Roadside Casework and are alone in the circumscribed cyberbanking statements.

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2017 Anatomy 10-K Addendum to Circumscribed Cyberbanking Statements

Reportable segments cyberbanking performance

(294 ) (298 )

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2017 Anatomy 10-K Addendum to Circumscribed Cyberbanking Statements

(1) The balances aloft reflect the aishment of accompanying affair investments

accessible for the new segments as it was absurd to calculate. Total

assets for ahead appear Property-Liability, Allstate Financial, and

Accumulated and Added segments were $60.39 billion, $45.95 billion and $2.27

billion as of December 31, 2016, respectively, and $55.67 billion, $46.34

billion and $2.64 billion as of December 31, 2015, respectively.

(3) Due to the changes in reportable segments, above-mentioned year investments balances

are not accessible for the new segments as it was absurd to calculate.

Absolute investments for ahead appear Property-Liability, Allstate

Financial, and Accumulated and Added segments were $42.72 billion, $36.84

billion and $2.24 billion as of December 31, 2016, respectively, and $38.48

billion, $36.79 billion and $2.49 billion as of December 31, 2015,

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Scheduled maturities for anchored Assets securities

Realized basal assets and losses by asset type

(24 ) Accomplished basal assets and losses $ 445 $ (90 ) $ 30

Realized basal assets and losses by transaction type

(90 ) $ 30

Gross assets of $737 million, $631 actor and $915 actor and gross losses of $276 million, $461 actor and $399 actor were accomplished on sales of anchored assets and disinterestedness antithesis during 2017, 2016 and 2015, respectively.

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Other-than-temporary crime losses by asset type

Other-than-temporary

impairment losses $ (146 ) $ (4 ) $ (150 ) $ (313 )

$ 10 $ (303 ) $ (452 ) $ 36 $ (416 )

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flow or added admonition to appraisal a accession bulk for the security, the Accession may achieve that the absolute abatement in fair bulk is accounted to be acclaim accompanying and the blow is recorded in earnings. Abeyant net basal assets and losses included in AOCI ($ in millions)

liabilities, disinterestedness antithesis will be abstinent at fair bulk with changes

in fair bulk accustomed in net income. The absolute abeyant net capital

assets and losses, after-tax, will be reclassified to retained assets through

a accumulative aftereffect adjustment. See Agenda 2 for added accommodation on the new

accounting standard.

(2) Included in the fair bulk of acquired instruments is $2 million

classified as liabilities.

(3) Abeyant net basal assets and losses for bound affiliation interests

(4) The allowance affluence acclimation represents the bulk by which the reserve

antithesis would admission if the net abeyant assets in the applicative product

portfolios were accomplished and reinvested at accustomed lower absorption rates,

connected in a exceptional deficiency. This acclimation primarily relates to

structured acclimation annuities with action contingencies (a blazon of immediate

acquittal of DAC and DSI would admission or abatement if the unrealized

assets or losses in the agnate artefact portfolios were realized.

(6) Abeyant net basal assets and losses were bargain by deferred income

taxes at the anew allowable 21% U.S. accumulated tax rate.

Unrealized net basal assets and losses included in AOCI ($ in millions)

(2) Abeyant net basal assets and losses were bargain by deferred income

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Change in abeyant net basal assets and losses

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Total anchored assets antithesis 2,395 $ 17,918 $ (351 ) 288 $ 922 $

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Types of backdrop collateralizing the mortgage accommodation portfolio

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Contractual maturities of the mortgage accommodation portfolio

2016

The boilerplate antithesis of broken loans was $7 million, $6 actor and $11 actor during 2017, 2016 and 2015, respectively.

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Rollforward of the appraisal allowance on broken mortgage loans

Note 6 Fair Bulk of Assets and Liabilities

(a) Quoted prices for agnate assets or liabilities in alive markets;

(b) Quoted prices for identical or agnate assets or liabilities in markets that

are not active; or

(c) Appraisal models whose inputs are observable, anon or indirectly, for

about the abounding appellation of the asset or liability.

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securities. Appraisal is based on unadjusted quoted prices for identical

assets in alive markets that the Accession can access.

• Disinterestedness securities: Comprise actively traded, exchange-listed equity

securities. Appraisal is based on unadjusted quoted prices for identical

assets in alive markets that the Accession can access.

• Short-term: Comprise U.S. Treasury bills admired based on unadjusted quoted

prices for identical assets in alive markets that the Accession can admission and

actively traded money bazaar funds that admission circadian quoted net asset values

for identical assets that the Accession can access.

• Abstracted ceremony assets: Comprise actively traded alternate funds that have

circadian quoted net asset belief for identical assets that the Accession can

access. Net asset belief for the actively traded alternate funds in which the

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values for identical or agnate assets in markets that are not active. • Short-term: The primary inputs to the appraisal lath quoted prices for

identical or agnate assets in markets that are not active, acknowledged cash

flows, criterion yields and acclaim spreads. For assertive short-term

investments, amortized bulk is acclimated as the best appraisal of fair value.

• Added investments: Free-standing barter listed derivatives that are not

actively traded are admired based on quoted prices for identical instruments

in markets that are not active.

or quoted net asset belief for identical or agnate assets in markets that

display beneath clamminess about to those markets acknowledging Akin 2 fair

bulk measurements.

• Added investments: Assertive OTC derivatives, such as absorption bulk caps,

assertive acclaim absence swaps and assertive options (including swaptions), are

admired apparatus models that are broadly accustomed in

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the cyberbanking casework industry. These are categorized as Akin 3 as a aftereffect of the acceptation of non-market appreciable inputs such as volatility. Added primary inputs lath absorption bulk crop curves and acclaim spreads. • Contractholder funds: Derivatives anchored in assertive action and annuity

affairs are admired internally apparatus models broadly accustomed in the financial

casework industry that actuate a audible best appraisal of fair bulk for the

anchored derivatives aural a block of contractholder liabilities. The models

primarily use stochastically bent banknote flows based on the contractual

elements of anchored derivatives, projected advantage bulk and applicative market

(1) Includes $3 actor of bound affiliation interests written-down to fair

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(1) Includes $24 actor of bound affiliation interests written-down to fair

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Rollforward of akin 3 assets and liabilities captivated at fair bulk on a alternating abject during the period

December 31, 2017

Circumscribed Statements of Operations as follows: $4 actor in realized

basal assets and losses, $19 actor in net beforehand income, $(10)

actor in absorption accustomed to contractholder funds and $9 actor in life

acclimation benefits.

(2) Comprises $1 actor of assets.

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Rollforward of akin 3 assets and liabilities captivated at fair bulk on a alternating abject during the period

December 31, 2016

Circumscribed Statements of Operations as follows: $(9) actor in realized

basal assets and losses, $12 actor in net beforehand income, $(4) million

in absorption accustomed to contractholder funds and $9 actor in action contract

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Rollforward of akin 3 assets and liabilities captivated at fair bulk on a alternating abject during the period

Circumscribed Statements of Operations as follows: $(8) actor in realized

basal assets and losses, $13 actor in net beforehand income, $26 million

Transfers amid akin categorizations may action due to changes in the availability of bazaar appreciable inputs, which about are acquired by changes in

market altitude such as liquidity, trading accumulated or bid-ask spreads. Transfers amid akin categorizations may additionally action due to changes in the

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5 $ 19

(1) Alpha January 1, 2018, due to the acceptance of the new accounting

accustomed for the acceptance and altitude of cyberbanking assets and

liabilities, bulk acclimation bound partnerships (excluding bound partnership

interests accounted for on a bulk accession basis) will be abstinent at fair

bulk with changes in fair bulk accustomed in net income. The existing

accustomed bulk of these investments will admission to fair bulk with the

offsetting acclimation accustomed in retained assets through a cumulative

aftereffect adjustment. See Agenda 2 for added accommodation on the new accounting

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Summary of the accumulated and fair bulk positions of acquired instruments as of December 31, 2017

($ in millions, except cardinal Antithesis breadth Abstract Cardinal of

Equity and abject contracts

Foreign bill contracts

Credit absence contracts

(1) Accumulated for OTC and austere acquired affairs is represented by their

abstract amounts. Accumulated for barter traded derivatives is represented by

the cardinal of contracts, which is the abject on which they are traded. (n/a =

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Summary of the accumulated and fair bulk positions of acquired instruments as of December 31, 2016

($ in millions, except cardinal Antithesis breadth Abstract Cardinal of

Equity and abject contracts

Foreign bill contracts

Credit absence contracts

(1) Accumulated for OTC and austere acquired affairs is represented by their

abstract amounts. Accumulated for barter traded derivatives is represented by

the cardinal of contracts, which is the abject on which they are traded. (n/a =

not applicable)

Gross and net amounts for OTC derivatives (1)

(1) All OTC derivatives are accountable to acknowledged adept applique agreements.

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(1) Appraisement is the lower of S&P or Moody’s ratings.

(2) Alone OTC derivatives with a net absolute fair bulk are included for each

counterparty.

2016

Gross accountability fair bulk of affairs absolute credit-risk-contingent features

9

(7 ) Accessory acquaint beneath MNAs for affairs absolute credit-risk-contingent features

Maximum bulk of added acknowledgment for affairs with credit-risk-contingent appearance if all appearance were triggered concurrently

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protection, CDS’s are acclimated to carbon anchored assets antithesis and to accompaniment the banknote bazaar aback acclaim acknowledgment to assertive issuers is not accessible or aback the acquired accession is beneath big-ticket than the banknote bazaar alternative. CDS’s about admission a five-year term. CDS abstract amounts by acclaim appraisement and fair bulk of aegis sold

31,

2016

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2016 and 2015, respectively, net of reinsurance and added recoveries (see Agenda 10). Catastrophes are an inherent blow of the acreage and blow allowance business that admission contributed to, and will abide to

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reported claims) Incurred claims and allocated affirmation acclimation expenses, net of reinsurance appear claims appear claims

expenses, net of reinsurance

Liabilities for claims and affirmation acclimation expenses, net of reinsurance

Average ceremony allotment payout of incurred claims by age, net of reinsurance, as of December 31, 2017

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reported claims) Incurred claims and allocated affirmation acclimation expenses, net of reinsurance on appear claims appear claims

expenses, net of reinsurance

Liabilities for claims and affirmation acclimation expenses, net of reinsurance

Average ceremony allotment payout of incurred claims by age, net of reinsurance, as of December 31, 2017

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reported claims) Incurred claims and allocated affirmation acclimation expenses, net of reinsurance appear claims appear claims

expenses, net of reinsurance

Liabilities for claims and affirmation acclimation expenses, net of reinsurance

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Average ceremony allotment payout of incurred claims by age, net of reinsurance, as of December 31, 2017

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Reconciliation of the net incurred and paid claims development tables aloft to the assets for acreage and blow allowance claims and claims bulk ($ in millions)

13,181

1,335

978

5,715

485

6,471

Gross assets for acreage and blow allowance claims and claims expense

Reserve for life-contingent acclimation benefits

6,681

Total assets for life-contingent acclimation allowances $ 12,549 $ 12,239

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(1) In 2006, the Accession disposed of about all of its capricious annuity

business through reinsurance agreements with The Prudential Insurance

Accession of America, a accessory of Prudential Financial, Inc. (collectively

“Prudential”).

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Key acclimation accoutrement of contractholder funds

Withdrawal/surrender

(1) In 2006, the Accession disposed of about all of its capricious annuity

business through reinsurance agreements with Prudential.

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70 years At annuitization (includes assets ceremony guarantees) Abstracted ceremony value

$ 265 Abounding boilerplate cat-and-mouse aeon until annuitization options available

3 years

(1) Authentic as the estimated accustomed affirmed minimum afterlife ceremony in excess

of the accustomed ceremony antithesis as of the antithesis breadth date.

(2) Authentic as the estimated present bulk of the affirmed minimum annuity

(initial deposit) in antithesis of the accustomed ceremony antithesis as of the balance

breadth date.

(4) Authentic as the estimated present bulk of the affirmed minimum

accession antithesis in antithesis of the accustomed ceremony balance.

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Summary of liabilities for guarantees

Accountability for

guarantees accompanying to

(1) Included in the absolute accountability antithesis as of December 31, 2016 are reserves

for capricious accomplishment afterlife allowances of $100 million, capricious accomplishment income

(2) Included in the absolute accountability antithesis as of December 31, 2017 are reserves

for capricious accomplishment afterlife allowances of $85 million, capricious accomplishment income

(3) Included in the absolute accountability antithesis as of December 31, 2015 are reserves

for capricious accomplishment afterlife allowances of $105 million, capricious accomplishment income

Note 10 Reinsurance

31,600 $ 30,871

31,307 $ 30,309

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in the able reinsurance market, such that one third of the affairs is

renewed every year.

• Advantage is about purchased on a ample geographic, artefact band and

assorted peril blow basis.

• The Accession purchases reinsurance from able reinsurance companies as

able-bodied as the allowance affiliated antithesis bazaar (e.g. “PCS Agreements”).

• Florida acreage and New Jersey acreage and auto are ceremony covered by

abstracted agreements, as the blow of blow is altered and our subsidiaries

operating in these states are alone capitalized.

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Retention banned by aeon of action issuance

age 70

contracts

As of both December 31, 2017 and 2016, about 92% of the reinsurance recoverables are due from companies rated A- or bigger by S&P. Agenda 11 Deferred Action Accession and Sales Attraction Costs

Deferred action accession costs activity

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Deferred sales attraction costs action (1)

(1) Deferred sales attraction costs primarily chronicle to anchored annuities and

interest-sensitive action contracts.

6.125% Inferior Subordinated Debentures, due 2067 224 224 6.50% Inferior Subordinated Debentures, due 2067

(1) Arch Addendum are accountable to accession at the Company’s advantage in accomplished or

in allotment at any time at the greater of either 100% of the arch amount

added accrued and contributed absorption to the accession date or the discounted

sum of the present belief of the absolute appointed payments of principal

and absorption and accrued and contributed absorption to the accession date.

(2) The Accession classifies any borrowings which admission a adeptness of twelve months

or beneath at birth as concise debt.

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45

As of December 31, 2017, the accumulative bulk incurred to date for alive programs totaled $103 actor for abettor costs and $104 actor for avenue costs.

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Note 14 Commitments, Guarantees and Accidental Liabilities

Leases

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2. Changes all-embracing taxation to a adapted territorial tax acclimation whereby

profits from non-U.S. subsidiaries will about be burdened alone in their

bounded jurisdictions.

3. Contains several added provisions, such as limitations of deductibility of

controlling compensation, commons and ball and lobbying costs and

changes to the assets accustomed deduction.

4. Affects the timing of assertive tax deductions for affluence and deferred

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(1) Changes in deferred tax assets and liabilities primarily chronicle to the Tax

Legislation.

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31.9 % 33.9 %

(1) Includes a tax ceremony of $63 actor accompanying to the 2017 acceptance of the

new accounting accustomed for share-based payments.

(2) Includes $45 actor of assets tax bulk accompanying to the change in

accounting admonition for investments in able affordable apartment projects

adopted in 2015.

Note 16 Accustomed Cyberbanking Admonition and Allotment Limitations

$ 18,630 $ 16,819

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Components of the alimony and added postretirement plans’ adjourned cachet reflected in the Circumscribed Statements of Cyberbanking Position

) $ (386 ) $ (373 )

bargain by deferred assets taxes at the anew allowable 21% U.S. accumulated tax

bulk as of December 31, 2017 and 35% as of December 31, 2016.

Postretirement

benefits

Net actuarial (loss) accession amortized to net alternate ceremony cost

Prior ceremony acclaim amortized to net alternate ceremony cost

$ (255 )

The net actuarial blow (gain) and above-mentioned ceremony acclaim is accustomed as a basal of net alternate bulk amortized over the boilerplate absolute ceremony aeon of alive advisers accustomed to accept benefits. Estimates of 2018 net actuarial blow (gain) and above-mentioned ceremony credit

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Changes in ceremony obligations for all plans

Benefit obligation, end of year $ 6,815 $ 6,591 $ 386 $ 373

(1) Allowances paid lath agglomeration sum distributions, a allocation of which triggered

acclimation accounting treatment.

Components of net alternate cost

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pension acclimation blow of $122 million, pre-tax, was recorded as allotment of operating costs and costs in the Accumulated and Added segment.

Weighted boilerplate assumptions acclimated to actuate net alimony bulk and net postretirement ceremony cost

Weighted boilerplate assumptions acclimated to actuate ceremony obligations

$ 5,650

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(1) The ambition asset allocation considers blow based acknowledgment while the actual

allotment of plan assets utilizes a cyberbanking advertisement appearance excluding

acknowledgment provided through derivatives.

(2) The absolute allotment of plan assets for disinterestedness antithesis lath private

disinterestedness investments that are accountable to the bound affiliation interests

ambition allocation of 2% and 1% in 2017 and 2016, respectively, anchored income

alternate funds that are accountable to the anchored assets antithesis target

allocation of 3% for both 2017 and 2016 as able-bodied as 1% of disinterestedness exposure

created through a acquired which is not included in the absolute allocations

in 2017.

(3) Antithesis lending accessory reinvestment of $202 actor and $143 million

is afar from the table aloft in 2017 and 2016, respectively.

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Fair belief of alimony plan assets as of December 31, 2017

alimony affairs which eliminates the affirmation to lath investments in the

fair bulk bureaucracy for which fair bulk is abstinent apparatus net asset value

(“NAV”) per allotment activated expedient. As a result, assertive alimony plan

investments that are abstinent at fair bulk apparatus the NAV per share

activated expedient admission not been classified in the fair bulk hierarchy,

including the accompanying rollforward of Akin 3 plan assets presented below.

These investments comprised of $3.20 billion of disinterestedness investments and $402

actor of bound partnerships.

(2) The antithesis lending obligation represents the plan’s obligation to return

antithesis lending accessory accustomed beneath a antithesis lending program.

The acceding of the affairs acquiesce both the plan and the counterparty the right

and adeptness to redeem/return the antithesis loaned on abbreviate notice. Due to

its almost concise nature, the outstanding antithesis of the obligation

approximates fair value.

(3) Added net plan assets represent absorption and assets receivable and net

receivables accompanying to settlements of beforehand transactions, such as

purchases and sales.

Fair belief of alimony plan assets as of December 31, 2016

Significant airy inputs Antithesis as of December ($ in millions)

The fair belief of alimony plan assets are estimated apparatus the aforementioned methodologies and inputs as those acclimated to actuate the fair belief for the agnate asset chic of the Company. These methodologies and inputs are appear in Agenda 6.

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Rollforward of akin 3 plan assets during December 31, 2017

Rollforward of akin 3 plan assets during December 31, 2016

Rollforward of akin 3 plan assets during December 31, 2015

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Estimated approaching ceremony payments accustomed to be paid in the aing 10 years

The Accession fabricated $1 million, $2 actor and $2 actor in contributions to the ESOP in 2017, 2016 and 2015, respectively. As of December 31, 2017, absolute committed to be released, allocated and unallocated ESOP shares were 0.4 million, 38 actor and 0.4 million, respectively.

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2015

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Changes in belted banal units

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(289 ) $ (58 )

289 $ 58

Note 20 Added Absolute Income

Note 21 Ceremony After-effects (unaudited)

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We admission served as the Company’s accountant aback 1992.

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2017 Anatomy 10-K

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