Ag Smart 360 Guide

STATE AUTO Ag Smart 360

Ag Smart 360SM Guide

MKFR-19-0220 State Auto® Farm & Ranch SM Ag Smart 360 Overview

Wouldn’t it be great to be able to protect your family, employees, and vehicles – and at the same time earn potential discounts on your insurance premium? Now you can with State Auto Ag Smart 360℠.

Telematics-Based Insurance for Farm Auto Get rewarded for safer driving habits on and off the farm. The usage-based program allows you to monitor and improve your driving behavior to earn potential discounts. Get an instant participation discount just for enrolling! Ag Smart 360 uses an App + Tag telematics solution. The smart Tag is a small wireless device that stays in place on the inside windshield in the vehicle. The information is transferred via Bluetooth® Low Energy to a smartphone App, DriveWell Fleet™ App. The Tag communicates with the App to collect data such as speeding, hard braking, acceleration, phone distraction, miles traveled, and how sharp a turn is made. Now you can impact what you pay for your insurance premium!

Telematics The gathering of vehicle information and data via communication tools such as wireless devices and smartphones. The data captured is unique to you! This means your safe driving behavior can impact your premium costs. What’s required? Sign up for Ag Smart 360℠ as part of your Farm Auto policy with State Auto®. To participate, the majority of drivers must download the DriveWell Fleet™ App on their smartphone. Discounts and No Additional Fees ■ Receive up to a 10% initial participation discount for DriveWell Fleet™ App enrolling ■ Self-monitor your score ■ Earn a discount at renewal if your score reflects safe driving habits ■ View your recent trips – get timely feedback on your trip! ■ Discounts can be earned on farm vehicles based on ■ View driving events such as hard braking, speeding, and limited mileage phone distraction ■ No additional fees! Our program also includes the telematics devices and fleet management portal that you Continued on next page might pay for elsewhere. No activation fee, no monthly fee and no charge for the devices beyond your insurance premium.

MKFR-16-0220 StateAuto.com Fleet Management Tool FAQs ■ Work with your drivers to improve their driving behaviors Does the App track my driving or location when I’m not in a vehicle with a Tag? ■ No additional cost to you! Other fleet management tools could cost you $100s or even $1000s No, it will only track your driving when it syncs to the Tag in the participating vehicle. ■ Improve operational efficiencies Does the Tag or App collect my images or voice? □ Driver scores and behavior trends □ Driver routes No, they do not collect images or voices. □ Vehicle use Should I ever remove the Tag from my vehicle? □ Vehicle Location No, as long as you are participating in Ag Smart 360, leave the ■ Manage drivers by monitoring Tag in the vehicle as instructed in the installation guide. □ Hard braking Will the App use my data and drain my battery? □ Speed The App uses minimal data and battery especially in □ Acceleration comparison to other popular apps. □ Phone distraction If I decide to opt out, do I need to return the Tag(s)? ■ Downloadable reports No, you do not. Be sure to tell your agent of any changes to your auto policy. Any applicable discounts would be removed from the policy.

Want to learn more? Simply go to StateAuto.com/AgSmart360 for more information.

Questions? Our Customer Service Department can help you Monday - Friday 8 a.m. - 7 p.m. ET at 833-SAHelps (833-724-3577) or [email protected].

For complete details of coverage, including exclusions, limitations and restrictions, the insured’s policy and endorsements should be consulted. Coverages, exclusions, limitations, policy terms, conditions, and eligibility for insurance or discounts (including, but not limited to those related to; participation, and smartphones compatibility and vehicle eligibility) may vary from state to state, and are subject to the underwriting guidelines and rules in effect for that state at the time of purchase. Enrollment discount applies during the first policy term. Renewal discount is calculated at renewal based on driving behavior, and could be zero. Stated discounts are approximations, and renewal discount is subject to change based upon actuarial support at subsequent renewals or with changes in drivers or vehicles on the policy. Data collected through the DriveWell Fleet™ App will be used to determine policy discount eligibility. However, the final score displayed in the DriveWell Fleet™ App will not be the score used for policy discount eligibility. Please refer to the State Auto Ag Smart 360 Telematics Services Agreement for additional information. This brochure is intended for general information purposes only, and is not an insurance policy. State Auto does not warrant that reliance upon this document will prevent accident or losses, or satisfy federal, state or local codes, ordinances or regulations, nor guarantees results based upon use of this information. Eligibility, coverages, discounts and benefits may vary by state. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details.

MKFR-16-0220 StateAuto.com State Auto® Farm & Ranch SM What to Expect with Ag Smart 360

Welcome After signing up for Ag Smart 360℠, you’ll receive a Welcome email from us. The email will include directions on how to download the DriveWell Fleet™ App to your smartphone. Be sure to have every driver on your policy do this! We’ll give each driver a unique activation code to login to the App. Check your email for details.

Installing the App* Installing the Tags DriveWell Fleet™ is a smartphone app that provides insights to Within 30 days of signing up, you should receive your an individual user’s driving behavior. Ag Smart 360 Tags shipment. An installation guide will be included to show you how to easily install the 2”x2” Tags into each vehicle and link them using your smartphone App. The wireless Tag identifies the vehicle and collects and stores telematics data to send to the smartphone App Getting Started for a Farm Manager via Bluetooth® Low Energy. The Tag is an important part 1. Download the DriveWell Fleet™ App from the Apple App of making the App work. Store® or Google Play® store Link and Install Tags 2. Open the DriveWell Fleet™ App, tap “Sign Up” Before you get started, you’ll need to have your phone with the 3. Enter your email address, username will pre-fill, and enter App downloaded. the unique activation code provided in an email sent to the policyholder 1. Sit in the first vehicle with one Tag and your phone. Make sure that only one Tag is in one vehicle at a time. 4. Enable your phone’s Bluetooth® 2. Ensure your phone’s Bluetooth® is enabled. 5. Proceed to Installing the Tags 3. Open the DriveWell Fleet™ App and login. Getting Started for your Drivers 4. The App will prompt you to link a Tag. You will see a 1. Download the DriveWell Fleet™ App from the Apple App Vehicle List displaying all your participating vehicles. If Store® or Google Play® store you are not prompted to link a Tag, simply go to the menu ( ) and select Vehicles & Tags. 2. Open the DriveWell Fleet™ App, tap “Sign Up” 5. Scroll through the Vehicle List to find the applicable 3. Enter your email address, username will pre-fill, and enter vehicle and select “Link Tag”. the unique activation code provided in an email sent to the policyholder 6. The App will prompt you to activate the Tag by pushing the button on the Tag until the light turns on. Follow the 4. ® Enable your phone’s Bluetooth prompts in the App to identify the Tag with the MAC 5. When asked to enter a Vehicle and link a Tag (the Farm address (printed on side of Tag). Manager will do this), click “skip linking process” 7. Once successfully linked, attach the Tag to the vehicle The following permissions must be ON or enabled for DriveWell Fleet™ by peeling off the strips on the back of the device and App to function properly. sticking the adhesive firmly to the upper portion of your ■ iOS: Location, Motion Activity (recommended), Bluetooth windshield behind the rear view mirror. The Tag must be ■ Android: Location, User Activity Recognition, Bluetooth affixed to a hard smooth surface. In order to maintain the initial participation discount, the Tags must be installed and linked with the App within 30 days of receiving them.

MKFR-17-0220 StateAuto.com Start Driving Take a few trips to begin to generate your score! If the Tag is not properly linked, the Tag beeps within the first couple of minutes of a drive.

Check out the Fleet Management Por tal In your Ag Smart 360 Welcome email, we provided your username and temporary password to log in to the Fleet Management Portal: https://portal.cmtelematics.com/. There you can view all vehicles that have a linked Tag and view the drivers on your policy that have downloaded the App.

Want to learn more? Simply go to StateAuto.com/AgSmart360 for more information.

Questions? Our Customer Service Department can help you Monday - Friday 8 a.m. - 7 p.m. ET at 833-SAHelps (833-724-3577) or [email protected].

Protect your farm and ranch the smart way. State Auto Ag Smart 360 Support Team

MKFR-17-0220 StateAuto.com State Auto® Farm & Ranch SM Ag Smart 360 App + Tag FAQs

Table of Contents Common Driver Questions STATE AUTO Fleet Program Setup Ag Smart Using the Fleet Management Portal Using the DriveWell Fleet™ App Using the Ag Smart 360℠ Tag Data Privacy Scoring Trip Events 360 Trip Recording

MKFR-10-0220 StateAuto.com/AgSmart360 MKFR-10-1019 SM STATE AUTO Ag Smart 360 App + Tag FAQs Ag Smart Common Driver Questions 360

Will the DriveWell Fleet™ App monitor my driving What if there are two employees in a vehicle? while I’m driving any vehicle? If there are two drivers with the DriveWell Fleet™ App on their DriveWell Fleet™ App will only record when you are in a tagged phones in the vehicle, the Tag could connect with either vehicle because it needs the Ag Smart 360℠ Tag to tell it when phone. to start and stop. If you are driving a personal vehicle that is 1. If the Tag connects to a driver’s phone, the recorded not tagged, the App will not record. and scored trip is associated with the correct driver. 2. If the Tag connects to the passenger’s phone, the What effect will this App have on my cell phone passenger needs to open the app and navigate to this data usage and battery life? trip’s page, and label the trip as “Passenger.” Currently, there is no way to notify the Tag to connect with the The App uploads approximately 500 kilobytes per hour of driver’s phone and not the passenger’s phone. To avoid this driving. For a user driving four hours a day, this would be scenario, the passenger could momentarily turn off Bluetooth® about 60 megabytes in one month. for their phone at the beginning of the trip. As with any smartphone app, the DriveWell Fleet™ App uses your battery to operate. However, it minimizes battery usage through its intelligent use of your phone’s sensor data and How do I label my status on a given trip, like overall status. Please note that battery consumption may vary Driver or Passenger? based on your smartphone model and age. To label your status, open the App and navigate to the trip’s If drivers are concerned that their battery is draining rapidly, screen. Tap the Steering Wheel Icon in the upper right corner. the cause may not actually be DriveWell Fleet, but rather social You will see a series of options to select the correct mode. media apps and email applications. To check what portion of your battery is being used by the ™ Why was I penalized for hard acceleration when DriveWell Fleet App: the App only registered 0 mph? iPhone® The DriveWell Fleet™ App records hard acceleration as the rate Go to: Settings > Battery > Scroll to find DriveWell Fleet™ App at which you shift from a lower speed to a higher speed. When Android® it registers 0 mph, that indicates the speed at the beginning of Each manufacturer can modify the interface so steps might the trip event. vary. Generally, we find the following steps work: Go to: Settings > Battery > Scroll to find DriveWell Fleet™ App Why did I receive a phone use trip event, even If the DriveWell Fleet™ App is using more than one to three though my vehicle was stopped when I picked up percent of your phone’s battery, there might be a bug that my phone? needs to be investigated. Please contact Telematics@ If you begin to accelerate while holding your phone or take StateAuto.com. out your phone while stopping, the App will register that as a phone use event. The distraction penalty will only apply for Can my phone record trips in more than one the period of time you were using your phone while in motion, vehicle? It is safer to put down your phone when your vehicle starts moving. Yes. A Fleet driver’s phone app will connect to any Tag registered to the fleet. It’s important to remember that: Why am I penalized for hard braking in 1. Tags are assigned to vehicles, not teams or drivers, so any driver on any team can drive a vehicle in the fleet unavoidable circumstances, like a pedestrian and trips will record. running into the street? 2. The Tag collects and stores telematics data and sends The App does not know the circumstances of an specific hard this data to the DriveWell Fleet™ App via a low-powered braking event – it measures how hard you are braking, and for Bluetooth® mechanism. how long. The overall score takes into account the frequency of these events. Frequent hard braking counts more against 3. The Tag tells the DriveWell Fleet™ App to start and stop your overall score*. The stars assigned to an individual trip recording trips. only provide a measure of what happened on that trip and do not take overall frequency into account.

*Data collected through the DriveWell Fleet™ App will be used to determine policy discount eligibility. However, the final score displayed in the DriveWell Fleet™ App will not be the score used for policy discount eligibility. Please refer to the State Auto Ag Smart 360 Telematics Services Agreement for additional information.

StateAuto.com/AgSmart360 7 STATE AUTO Ag Smart Fleet Program Setup 360

Who installs the Ag Smart 360 Tags? Often the farm owner installs every Tag in the fleet, but in some cases the drivers do it themselves. Any user with the DriveWell Fleet™ App installed on their phone (using a driver activation code) can install and register a Tag.

Where should I install the Ag Smart 360 Tag? The Tag must be securely fastened to a solid part of the car frame inside of the driver compartment. We recommend affixing the Tag to the windshield behind or close to the rearview mirror. The Tag will not work well if kept in a glove box or cup holder, or fastened to a door. It requires a fixed frame of reference to the car, and will not collect accurate data if it bounces around or moves back and forth.

How do I begin to use the DriveWell Fleet™ App? Once you download the DriveWell Fleet™ App from the App Store® or Google Play® store, it will run in the background of your smartphone and automatically detect when you drive a vehicle with a linked Tag. Your trips will be processed and scored, and they will appear in the App within ten minutes of a trip completing.

STATE AUTO Ag Smart Using the Fleet Management Portal 360

How much time does a fleet manager spend on the Portal? The amount of time a manager may spend in the Portal depends on the fleet size: number of drivers, vehicles, teams, and other managers reviewing driver performance.

Can I log in and view the Fleet Management Portal from my cell phone or tablet? While the Fleet Management Portal is not optimized for mobile devices, it does dynamically resize for these devices so managers can view Portal pages from their mobile phones or tablets.

What does “Tag-only” mean? A trip is flagged as “Tag-only” when a smartphone does not connect to the Tag and record the trip. This can happen for a variety of reasons, such as the phone: ■ is not present ■ has low battery ■ has Bluetooth® disabled ■ has location services disabled This may occur because the trip was particularly short and Bluetooth connection was unusually slow. For these trips, the driver is unknown. Please note that location data is not collected by the Tag, so Tag-only trips cannot be displayed on a map. Events from Tag-only trips are not included in the scores.

StateAuto.com/AgSmart360 8 STATE AUTO Ag Smart Using the DriveWell Fleet App 360

What phones are compatible with the Can I still use my vehicle’s hands-free DriveWell Fleet™ App? Bluetooth or other Bluetooth devices with the ™ iPhones running Apple iOS 8 or higher and Android DriveWell Fleet App and Tag? smartphones running Google Android 4.4 or higher. Yes, the Tag is linked to DriveWell Fleet through a The following phones are not compatible with the low-powered Bluetooth mechanism, not your phone’s DriveWell Fleet™ App: Samsung Galaxy Note II, BLU Life Bluetooth settings. If you have paired the Tag to your One XL, HTC One Max VZW, HTC M8, HTC One M8 phone’s Bluetooth settings, please disconnect the Eye, Huawei P7, Huawei P7 mini, and Huawei Ascend Bluetooth Tag from your phone’s settings. It should p7. automatically link with the app.

Is an internet connection required to run the What happens if I downloaded the App but DriveWell Fleet™ App? have to change phones? An active internet connection is not required to record If you ever have to change phones or reinstall the App, a drive or view the results of prior drives. An active you can log in as an existing user. A 4-digit PIN code internet connection is required to upload data from new will be sent to the email address you provided during trips so they can be processed and scored, and for the initial registration. App to download recently scored trips. This internet ® connection can be via your cellular network or Wi-Fi How does a driver or employer get notified network. when the App is updated? If I turn my phone off, will the App still The App Store and the Google Play Store both provide lists of apps that are updated and available to upgrade. capture the trip data? No. The App will not run if the phone is powered off. Can the system be manipulated by the driver by turning off/on Bluetooth settings? Do I need to actively open and run the App in If the Bluetooth setting on the smartphone is turned the foreground while driving? OFF, the Tag won’t be able to connect to it and tell the ™ No. The App runs in the background of your smartphone DriveWell Fleet App to start recording. Please be sure and records trips automatically once it detects you are to have Bluetooth turned ON. If the Bluetooth setting on in motion. the smartphone is turned OFF, the Tag won’t be able to connect to it and tell the DriveWell Fleet™ App to start recording. Please be sure to have Bluetooth turned ON. Do I need to open the App for each trip so it can collect my driving data? No, the App works in the background and will collect your data any time a drive is detected. However, make sure that your device is charged and turned on during your trips.

Does my smartphone battery need to be at a certain battery percentage for the App to work? The DriveWell Fleet™ App will record drives when the smartphone has battery power greater than 10% or is plugged into a charger. If the battery level is less than or equal to 10% and the smartphone is not plugged in, then the App will not record a trip.

StateAuto.com/AgSmart360 9 STATE AUTO Ag Smart Using the Ag Smart 360 Tag 360

Do I need a new Tag if I replace my phone? If you get a new smartphone, you can continue to use your existing Tag. Download the DriveWell Fleet™ App on your new smartphone and simply log in as an existing user as mentioned above. The Tag will connect to the app automatically.

Do I need a new Tag if I replace my vehicle? If you replace the vehicle on your auto policy, we’ll send you a new Tag.

How long does the Tag battery last? The Tag has an expected battery life of 3-4 years. If the light does not display on the Tag when the button is pressed, a replacement may be needed.

STATE AUTO Ag Smart Data Privacy 360

What data is collected? DriveWell Fleet™ App & Ag Smart 360 Tag record: ■ GPS data (location, speed, and direction) ■ Accelerometer data ■ Gyroscope data ■ Magnetometer data ■ Barometer data ■ Date/Time ■ App analytics

Does the system track any other data than displayed on the App and Portal? In addition to above, diagnostic information may be collected about the App, smartphone and Tag for troubleshooting.

Does State Auto Insurance share my data? Please refer to the State Auto Ag Smart 360 Telematics Service Agreement for additional information about sharing data. Respecting your privacy is an important part of our commitment to providing an excellent service and product.

StateAuto.com/AgSmart360 10 STATE AUTO * Ag Smart Scoring 360

How does the DriveWell Fleet™ App score my Why did my score decrease? trips? The DriveWell Fleet™ App calculates your score based The DriveWell Fleet™ App collects and analyzes driving on the last two weeks of trips, so you may see your data, and computes an overall driving score out of 100 overall score, scored distance and number of scored based on a series of criteria: trips change as the score is recalculated each day or after a given trip. ■ Phone Distraction – Using your phone while the vehicle is in motion ■ Speeding – Driving over a safe-speed for a given road (speed limit + a buffer) What is the difference between the stars and ■ Hard Acceleration – Accelerating quickly my number score? ■ Hard Braking – Braking quickly Your overall score, out of 100, is the key component of ■ Cornering – Driving around a corner quickly your driving performance, and is based on your driving Also, sub-scores are computed for each of the criteria data over the last two week period. It is calculated above. as your total risk per mile based on historical driving data collected from millions of users and billions of ™ What does “inference” mean on a trip map? recorded miles. More specifically, the DriveWell Fleet App compares your performance to the average driver “Inference” is the DriveWell Fleet™ App’s estimate population for each subscore, like hard braking and of your route between the actual starting point and speeding, and then combines these together for an when the App starts recording data (since it may take overall score. a minute or two for the App to determine that you are The trip stars are an approximate rating for an individual driving). The inferred route illustrated on the map may trip. For an individual trip, you can lose a star for any not reflect your actual route. Note that the inferred parts trip event that occurs: hard cornering, hard acceleration, of your trip are not taken into account when calculating hard braking, speeding, and phone distraction. your score.

How does the DriveWell Fleet™ App know whether I’m a driver or passenger? The DriveWell Fleet™ App learns your driving behaviors over time including your common routes. You can review and correct your trip classification from driver to passenger or vice versa, which helps the DriveWell Fleet™ App algorithms become more accurate.

StateAuto.com/AgSmart360 11 STATE AUTO Ag Smart Trip Events 360

What is the criteria for hard acceleration? What is the criteria for hard braking? Hard acceleration measures the rate at which you The DriveWell Fleet™ App records a hard braking event accelerate -- that is, how quickly you shift from a lower when you reduce speed suddenly, such as slamming on speed to a higher speed. DriveWell Fleet records hard the brakes in a lower-speed zone or drastically reducing acceleration events when your phone registers about ⅓ speed on the highway. Specifically, it will record a hard G or more. braking event when your phone registers about -⅓ G or At times, hard acceleration can be unavoidable, such as more. If you engage in hard braking behavior often, even merging into fast-moving traffic. If your driving behavior at lower speeds, it may suggest tailgating or inattention, frequently includes hard acceleration events, however, which can be factors in vehicle accidents. it may suggest you’re an aggressive driver, which is a contributing factor for vehicle crashes. It is safer to What is the criteria for phone use? accelerate more gradually. That way, you’re less likely to skid if conditions are wet, or surprise another driver on For phone use, the App currently uses a combination of the road who may collide with you. three factors to indicate phone distraction: ■ The phone screen is on ■ What is the criteria for speeding? The phone is in motion (as if in someone’s hand) ■ The car is in motion ™ The DriveWell Fleet App records a speeding event The DriveWell Fleet™ App is trying to detect when the when you are driving approximately 9 miles per hour, driver’s attention is off the road. over the speed limit. However, this buffer above the speed limit varies by type of road (e.g. highway, surface streets).

What is the criteria for hard cornering? The DriveWell Fleet™ App records a hard cornering event when the phone registers about ⅓ G sideways (laterally) as you drive around a corner. Though this behavior may be safe at times, some driver or road conditions could increase risk. For example, if the pavement is wet, the turn may be more slippery. Reducing your speed on corners will help to improve safe driving as conditions worsen.

StateAuto.com/AgSmart360 12 STATE AUTO Ag Smart Trip Recording 360

What factors can inhibit trip recording? What factors can delay the start of trip Trip recording can be inhibited by: recording? ■ Sensor issues, such as: The App may take a moment to detect that your location has changed, and start getting location data □ The phone cannot identify your GPS location after a trip starts. This is affected by things like how □ The accelerometer is not working many other apps are being run, as well as how long it □ The gyroscope is not working takes to acquire a GPS signal. In these situations, the DriveWell Fleet™ App will show a calculated path back ■ Memory issues, such as: to your last known location. □ The phone is running multiple resource- intensive apps and does not provide the DriveWell Fleet™ App with the necessary resources to record ■ Force-quitting

MKFR-10-0220 StateAuto.com/AgSmart360 State Auto® Farm & Ranch SM Ag Smart 360 Driver Overview

Thank you for choosing Ag Smart 360℠! Would you like assistance on explaining this program to your employees and family members who are drivers? Here’s a few talking points you could share with your drivers to tell them more.

To help increase efficiency and potentially reduce costs, we’re starting a program that will measure driving behaviors, monitor locations of vehicles, and help improve safety across our team/family.

The State Auto® Ag Smart 360 program will enable us to keep track of the fleet’s mileage and locations, and driving habits such as speeding, phone distraction, and hard-braking.

The program consists of a smartphone App & a small wireless Tag device.

DriveWell Fleet™ App – A smartphone app that the majority of drivers need to download. It will monitor your driving behaviors while you are operating a participating vehicle with a Tag. Your driving behaviors are scored and you will receive feedback on your trips in the App.

Ag Smart 360 Tag – A wireless device that we are installing in every vehicle and connects to your phone via Bluetooth® Low Energy. The Tag tells your phone to start and stop recording. This means DriveWell Fleet™ App will not record you when you are not in a vehicle with a Tag.

Data collected through the DriveWell Fleet™ App will be used to determine policy discount eligibility. However, the final score displayed in the DriveWell Fleet™ App will not be the score used for policy discount eligibility. Please refer to the State Auto Ag Smart 360 Telematics Services Agreement for additional information.

This brochure is intended for general information purposes only, and is not an insurance policy. State Auto does not warrant that reliance upon this document will prevent accident or losses, or satisfy federal, state or local codes, ordinances or regulations, nor guarantees results based upon use of this information. Eligibility, coverages, discounts and benefits may vary by state. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details.

MKFR-18-0220 StateAuto.com