Nationwide

[redacted] ** [redacted] [redacted] [redacted] [redacted] This communication is in response to [redacted] ’s follow-up inquiry regarding his Nationwide Automobile Insurance policy. He has additional questions regarding application of a good student discount which was removed from the policy on the March 22, 2014 renewal. We have completed a review of the policy in response to this inquiry. Our records indicate that the discount was removed on the March 22, 2014 renewal as it no longer applies at renewal in the year that the driver turns age 25. [redacted] does not actually turn age 25 until his birthday on December 13, 2014. However, for rating purposes age means the age that has been or will be attained within the current calendar year. As such [redacted] was rated age 25 on the March 22, 2014 renewal and the good student discount available to eligible drivers ages 16 to 24 was removed. [redacted] did contact us on February 26, 2014 to re-add the discount to his policy on the March 22, 2014 renewal. Our customer service representative was unaware that [redacted] was considered to be age 25 for rating purposes, and the discount was re-added but had no impact on the premium. We are including the original renewal declaration which was issued without the discount, and the revised declaration which was subsequently issued with the discount (copies enclosed). There was no change to the total policy premium ($1,438.90) because the discount has no impact on a driver rated age 25. We appreciate the opportunity to respond to [redacted] ’s concerns to better explain why the good student discount no longer applies as of the March 22, 2014 renewal. If you have any additional questions regarding this matter, please contact [redacted] in our Underwriting department at ###-###-####, Ext #####. Sincerely, [redacted]

:if this information provided was true, and I was quoted as a year old on March 2014, why wasn't my insurance lowered for the fact of me being quoted as the new age of I was informed by the same agent that you all referred to get the information that was given to meHe stated to me that the only time my premium will go down again, is when I turn the age of With that being stated, after the good student discount was be removed, the and older discount should be applied in which my premium should be lower than what I have ever payedUltimately nothing can be done, as I have decided to withdraw myself from this companyMy quote with [redacted] was proven to show a substantial difference in what I was paying with NationwideMy last day of being apart of Nationwide was 05/22/This company was too inconsistent, and proved to not value its customers whom have been long termThe amount of time spent to rebuttal my claim with the Revdex.com, could have been the time spent to satisfy the customerI am completely disgusted with the way information is provided, in which it seems to vary from agent to agent, instead of being consistent across the borderRevdex.com, I would like for my complaint to go on file, in which to affect the company's overall rating with the Revdex.comI wish to no longer be contacted by Nationwide in the future, for the simple fact that I was treated very unprofessionally, which made myself feel unworthy of carrying this company's insurance Thanks Revdex.com for trying to mediate the differences with myself and the company! Regards, [redacted]

Ref Your letter from May 5, 20151st paragraph:Why did I received a premium increase at the renewal time without reasonable advancenotice and reason for the increase? I have enclosed a copy of all my incoming callsincluding the callers telephone numbers. No call was recorded from [redacted] ***Agency, phone ####-###-#### for the entire month of March, let alone on March 3rd,2015 as they stated. Please do not provide this list to Nationwide as it is readily availableto them upon their request. This document is proof that they did not make a call to me norleave a message that my premium had changed.2nd paragraph:On March 25,2015 I called [redacted] to advise that I wanted to cancel my insurancepolicy with them because I never received a response from her since I had questioned thepremium increase, and that I found an insurance company with better coverage and lowerrates. [redacted] stated that I needed to go the insurance agency in person to sign a notice ofcancellation. I have record of this telephone call made from my home as shown on the listof outgoing calls on March 25,2015. When I arrived [redacted] was outside of heroffice at the front desk covering the switchboard. It was at this time that [redacted] stated my premium should be lowered by $9 per month, not prior to this. She never saidwhy my premium had increased in the first place, or why she decided to decrease it. Sheasked to see my new policy and made a copy of it. When I told her that she never calledme back, she commented that she probably forgot to call me. As for being professional, please see the letter from [redacted] dated April 21,2015.Letter herewith. Also, [redacted] failed to mention that on March 4,2015 Nationwide/ [redacted] ***Agency withdrew the payment of $134.40 from my checking account, which is veryunprofessional. This amount was not reduced by the $9 as [redacted] stated. I shouldhave been covered until April 4th, 2015. Sincerely, [redacted]

[redacted] *** [redacted] [redacted] [redacted] Thank you for the opportunity to respond to the Revdex.com regarding policy number #### for [redacted] and to address her concerns about the policyOn 01/10/2011, [redacted] purchased a six month insurance policy from the [redacted] , with a bill plan of 20% down and installmentsHer most recent renewal took place on 1/10/when payment was accepted on 1/10/in the amount of $ [redacted] requested her policy canceled effective 4/10/We processed the cancellation per her request At the time of cancelation there was $that was not paid to reach the requested cancel dateWe canceled the policy per the guidelines that were provided to [redacted] in her policy documentation, short-rate calculating the unearned pro-rate premium x This amount was $Currently we show a total amount due at cancel of $ I trust that I have addressed the issues within [redacted] ’s complaintIf I can be of further assistance, please contact me at ###-###-#### Sincerely, [redacted]

In response to the complaint submitted on 7/31/ID [redacted] Extra concrete was priced incontract for $7.5Q per Square SootShe ordered more concrete and would not pay for itWe refuse to— return until the balance Is paid in full..Sincerely,General Manager

[redacted] *** We are responding to your update inquiry regarding [redacted] ’s complaint concerning her property damage settlementIf I do not provide the information you need for this matter, please do not hesitate to let me know I understand from the complaint submitted that [redacted] was dissatisfied with the handling of the rental On 6/23/2014, I did speak with [redacted] and we agreed to extend the rental one additional day to 6/24/so they could make transportation arrangements He agreed to this resolution and [redacted] was informed In regard to the window tint, we did give consideration to any information provided to us related to the value of [redacted] ’s vehicleAfter review of all facts related to this matter we feel that settlement offered to [redacted] was a fair and appropriate actual cash value of her vehicle Thank you for bringing this matter to our attention If you should need additional information related to this matter please contact meSincerely, [redacted] Allied Property & Casualty Insurance Company###-###-#### [redacted]

[redacted] [redacted] thank you for following up; again I bering your and Nationwide attention to my first letter; the first time ever we received an invoice showing the unnecessary increase to our auto premium was on May 22, long after we have cancelled our insuranceAt no time before our February 12, cancellation, they warned us that they were increasing our premium? As we asked before, if they can produce a true original document showing our increase before February 12; we would rest our case They have continued ignoring this simple request, because they know very well that they created the invoice of May 22ndso they would not refund our credit balance After all we did not garage our cars, we have had three cars and obviously travelled sometimes to our old house in **, and it did not make any difference to anyone if they were left there for a few days or not; we could not have driven all three cars at the same time There were no new information other than what was in our original application? There are many questions that nationwide has not been answering, and eventually they will have to answer; because they know their new invoice was created after we cancelled not before I will ask again: 1- Show us a letter, and invoice warning us about the increase and reason for the increase before February 12, 2014, 2- Why our agent failed to inform us about extra cost if we happen to have two houses in two states, one primary in [redacted] and one vacation home in **; while they were given complete addresses and information in our application, 3- what were specific information, that they claim in our original application? 4- what could have been our motive and gain from joining this company and leaving ***? Thanks, ***

Ms [redacted] has called Nationwide Bank regarding this issue multiple timesOn October 23, 2015, she didspeak with a supervisor in the Nationwide Bank Customer Care Center, who researched the transactions andadvised that Nationwide Bank had not been at fault regarding the holds placed on her checking account by themerchant.On the same date, a courtesy refund was posted to the complainant's account in the amount of $25, which is inalignment with her notation of Desired SettlementSincerely, Anne C [redacted] Nationwide Bank

*** [redacted] [redacted] The complaint is not resolvedThe company has not responded to my lettersThey have attempted to communicate directly with my minor daughterAnd they have refused to honor an agreement that Director of Claims [redacted] made with me on April 25th

I am in receipt of your correspondence of May 4, regarding the above captioned loss andwould like to take this opportunity to respondThis claim was reported to us on March 2, and handled in our Harleysville, [redacted] CatastropheUnitImmediate contact was made with our insured and we assigned an adjuster to view theclaimed damagesThis inspection was completed by [redacted] with [redacted] ***on March 10, as that was when the insured would be available.The insured also contracted with [redacted] to perform water mitigation of the property [redacted] was not hired nor were they contacted by Harleysville Preferred Insurance to complete anymitigation at the premisesOnce we were notified that they had inspected the property we didcontact them for the scope of their repairsWe discussed their mitigation process with [redacted] from [redacted] on March 6, Our investigation found water damage consistent with ice dams to the interior of the home.However, a complete inspection of the roof found numerous areas of preexisting damages andrepairs as well as evidence that the roof at one time had been tarpedNo evidence was found ofice dam damage to the roofThe roof had damage in numerous places which was not indicativeof damage caused by ice as the damage was not where the ice had formed but wide-spread on theroofWe have included photos that document these findings.We received the estimate on March 17, and discussed the estimate with the insured onMarch 19, This estimate was emailed to [redacted] and payment was issued on March 26,Also on March 26, 2015, [redacted] called and was concerned that the roof was not beingincluded in the estimateWe agreed to send assign a second inspectionThis re-inspection was completed by [redacted] , with [redacted] ***onApril 14, At that time the roof was re-tarped [redacted] was unable to see any damage tothe roof due to the tarp [redacted] was informed that if he had the tarp removed, [redacted] would come out again to see the claimed damages or that Harleysville would assign a roofingexpert [redacted] did prepare a supplemental estimate to include some additional damages includingice removal from the roof, a new shed and the subsequent tarping of the roof, as a customerservice to assist [redacted] in preventing further damagePaying for the tarp was not anadmission of coverage for the claimed roof replacementPayment for the supplemental damage was issued on May 1, [redacted] was informed by [redacted] ***, [redacted] that when the roof was again exposed we wouldsend out a roofing contractor for another inspectionAt this time we have not heard anythingfurther from [redacted] ***Should you require any further assistance in this matter, please contact our Customer RelationsCoordinator, [redacted] ***, at ###-###-#### or via email at [redacted] Regards, [redacted] ###-###-###

[redacted] [redacted] /> The Manager has also addressed Customers concerns to the Department of Insurance and I am forwarding the response that was also sent to them Kind Regards, [redacted] This letter is in response to the above referenced complaint and correspondence received by Nationwide on April 17th, Policy: #######Issues: The policyholder, [redacted] , makes several assertions regarding the overall claim handling that Allied would like to address Those assertions include; the adjuster being “unpersonable”, “not professional” and “not ethical” Additionally, the policyholder contends she has not been compensated for the damage that has occurredTimeline and Claim Handling: [redacted] reported her claim on Sunday 12/22/at 9:p.m [redacted] was first contact by our after hours team at 11:p.mon 12/22/ The after hours team offered emergency services to [redacted] who indicated a mitigation company had been contacted by her property manager and that they were already onsiteThe claim was assigned to [redacted] who contacted [redacted] the next morning, 12/23/13, at 8:a.m [redacted] was informed by [redacted] that she would not be in the area for a few weeks Meanwhile, [redacted] proceeded with her initial inspection of the loss the afternoon of 12/23/and made additional visits to the loss location evaluating the damages in preparation for her meeting with [redacted] to be determined sometime in Jan [redacted] and [redacted] agreed to meet, for the first time on Saturday, 1/25/at a [redacted] Store in [redacted] The [redacted] *** Store was close to where [redacted] was staying This meeting was a month post loss and by this time [redacted] had prepared a preliminary estimate for [redacted] ’s review Additionally, the meeting was scheduled to discuss finishes in areas of the dwelling that had been destroyed and to view pre-loss images of the dwellingFrom the meeting with [redacted] on 1/25/ [redacted] was able to finalize an estimate for the dwelling damages The estimate was reviewed by two local restoration vendors who certified for us the repairs could be completed to restore the dwelling to its pre-loss condition based on the sameOn 2/11/we met with [redacted] at our office in [redacted] to present the estimate to her and address any questions she may have Payment options were explained to [redacted] as part of this meeting The payment options included either one check to her and the mortgage company for the actual cash value payable or two checks; one to her and her mortgage company for the payoff of the mortgage and a second to her for the balance of the actual cash value payable [redacted] advised she would get back to us in a few days regarding how she wanted payment disbursed On 2/13/payment for the actual cash value was issued via two checks per [redacted] ’s requestWe met a second time with [redacted] on 3/31/ She requested a second meeting to further discuss the claim She presented original invoices for window / door replacements, estimates for the complete demolition of the dwelling, an estimate for the complete overhaul of the electrical system to include code upgrades, an arbitrary and subjective square foot calculation completed by her to suggest additional amounts should be paid for the repairs and miscitems she believed she had not been paid for In that meeting, we reviewed each of the documents in their entirety Her original invoice for the replacement of her doors and windows is much higher then the cost to replace the same doors and windows through the course of the fire restoration for the following reasons: retail prices vswholesale prices; and labor efficiencies that come with door / window replacement where there is no trim, wall coverings and siding to work around The demo bids she presented were for the total and complete removal of the dwelling Our estimate includes amounts for selective demo to save reusable portions of the dwelling The electrical bid she presented includes the complete overhaul of the electrical system with code upgrades Our estimate includes the electrical work necessary to return the dwelling to its preloss condition Coverage for code upgrades is excluded under the DP She calculated the square foot from the assessor’s site to contend additional amounts would be payable for the repairs Our square foot was derived from onsite measurements, in each room, wall to wall and floor to ceiling Lastly, we were able to point out to her that the miscitems were included as part of our estimate Summary: While we regret that [redacted] we not satisfied with her claims handling experience, contrary to [redacted] ’s assertions in her complaint, we believe we have worked professionally, personably and ethically with [redacted] every step of the way through face to face meetings, phone calls, emails and letters Each step was taken in an effort to help her gain an understanding around our activities, the investigation, the evaluation, our estimate, and the resolution of the claim Additionally, it is our position that [redacted] has been compensated fairly and within a reasonable time under the terms of the policy Lastly, we have made sure that our estimate is agreed with two local restoration vendors capable of performing the work necessary to restore the dwelling to its pre-loss condition We appreciate your involvement regarding this matter Please do not hesitate to contact me should you have any further questions or concerns I can be reached either by cell ###-###-#### or by e-mail at ########### Sincerely, [redacted] Nationwide Insurance ###-###-####

[redacted] *** Thank you for taking the time to speak with me on September 29th and allowing me to assist with your inquiryPursuant to our discussion, I have agreed to pay for a diagnostic review of your vehicle's alignment This will be completed by a mechanical facility of your choice During our discussion, you indicated that the two mechanical facilites that have inspected your vehicle did not supply you with an estimate to repair or replace any partsThe diagnostic review that will be completed by the repair facility of your choice, will need to provide you with a description of the damaged parts in question and the cost to repair or replace such needed parts I provided you with my name and telephone number, so you can provide your mechanical facillity with a contact at Nationwide Insurance CompanyOnce they have provided you with an estimate, either you or the facility can either email or fax me the estimate for reviewMy fax number is ###-###-#### and my email address is [redacted] Please contact me at ###-###-#### when you decide to take your vehicle in for the diagnostic check, so I may assist in fascilitating the process If you have any questions or concerns, please contact me at ###-###-#### or [redacted] Sincerely, [redacted] Nationwide Mutual Insurance Company [redacted]

Thank you for your inquiry concerning the above named memberBelow is my response to theirconcerns about an amount due after the auto policy cancelled for non payment of premium effectiveJanuary 16, On November 24, we sent a bill for $due on December 18, On December 30,we hadn’t received a payment and mailed a Notice of CancellationThis notice stated that anamount of $must reach us by January 15, or the policy would cancel January 16, 2015.No payment was received and the policy cancelled for non payment of premium effective January 16,The amount owed to us is for coverage from December 18, to January 16, in theamount of $198.07.In reviewing the policy notes, there was an attempt by the member to cancel the policy but he refusedto sign a cancellation request effective the day he advised he received insurance elsewhereTheagency advised him if he cancelled the policy prior to receiving insurance elsewhere, he would have alapse in coverageHe refused to sign the cancellation request form and left their officePlease seepolicy note belowIf the member can provide me proof of coverage via declarations page of when he received insuranceelsewhere, I would be happy to adjust the cancellation dateMy contact information is, fax number###-###-####, email [redacted] and my direct phone number is ###-###-####.Once I have proof that he received insurance elsewhere, I will adjust the policy and mail him a letteradvising the policy has been adjustedIf you should have any other requests or questions regarding this matter, please contact me at ###-###-####Sincerely,Tiffany C [redacted]

[redacted] Thank you for your recent inquiry regarding a complaint you received from [redacted] As Central Sales Operation Support Manager, I have reviewed this file and would like to address [redacted] ’s concernsIf I do not provide the information you need for this matter, please do not hesitate to let me know The [redacted] Agency hours of operation, including agent [redacted] , are Monday through Friday from 9:am to 5:pm, ESTDuring and after office hours, current and potential members seeking assistance by phone have the option to speak directly with the local agency or with our customer service center for policy assistance Agent [redacted] quoted [redacted] the Nationwide homeowner policy discount at inception while [redacted] attempted to repair required remedies to his home to qualify for a Nationwide homeowner policyThe remedies were not completed within the ninety day binding review period, thus the Nationwide home discount was removed which increased the premium [redacted] contacted the Johnson agency with questions and the non-Nationwide homeowner discount was added to the policy, which decreased the outstanding balance to $ As for the referenced service issue, a billing statement was mailed to the confirmed address in the amount of $ [redacted] remitted a payment by MasterCard ending in 7266, on March 21, Nationwide customer service received a debit dispute request, from [redacted] ’s banking institution, in the amount of $The $33.00, per [redacted] ’s request, was refunded to the MasterCard ending in #### on May 7, Policy number ######, cancelled on May 15, with an outstanding balance of $The final balance is correct and warrantedThe agent operated in due diligence of a potential homeowner policy of which [redacted] was aware, thus a write-off is not a permissible agreement in this matter [redacted] Nationwide Insurance Company [redacted] Based on my review, this inquiry was properly handledHowever, I am sorry that the outcome was not satisfactory to [redacted] We strive to meet needs, but understand that sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to contact me Sincerely, [redacted] W| ###-###-####

[redacted] *** [redacted] [redacted] We are writing in response to your inquiry into [redacted] ***’s claim We inspected [redacted] ***’s claim on September 24, At the time of our inspection we did not find any hail damage [redacted] ***’s contractor informed us that he had found hail damage to her roof We hired [redacted] , an independent structural engineer firm to inspect the roof and determine if there was hail damage [redacted] inspected the home on September 30th and determined that there was no hail damage to the shinglesThis information has been provided to [redacted] *** Thank you for providing us with the opportunity to review the claim Sincerely, [redacted] , Nationwide Affinity Insurance Company Phone: ###-###-#### [redacted]

[redacted] Thank you for the opportunity to respond to the Revdex.com regarding policy number ###### for [redacted] and to address his concerns about the policy On [redacted] 4, [redacted] purchased a six month insurance policy from the [redacted] with a bill plan of 16% down and installments with an automatic draftThe policy has canceled per [redacted] 's request effective 06/24/per the short-rate calculation agreed upon by [redacted] when the policy was purchased On 5/27/2014, when [redacted] initialed his application, he acknowledged that he would provide proof of prior insurance of at least months of continuous coverage with no lapseThe proof of prior insurance was used in rating his policy at the original quoted amountOn 212014, when [redacted] failed to provide the proof of prior insurance, the discount was removed and the policy premium increased accordinglyThe current amount due of $ reflects an amount of $-in extended coverage and a short rate cancellation calculation of $The $remains due and wilt not be adjusted Please see the attached acknowledgement and application I trust that I have addressed the issues within [redacted] 's complaintIf I can be of further assistance, please contact me at ###-###-#### Sincerely, [redacted]

My car was not damaged until a nationwide policy holder hit my car"Pre accident condition" is not a repaired door and quarter panel being that prior to the accident I had a BRAND NEW DOOR THAT HAD NOR NEEDED ANY REPAIRS!!!! I don't understand what's the issue with this nationwide is 100% liable in this accidentMy car that I paid for that I OWN was not damaged until the accident and I understand that things happen, but the solution to this issue is to REPLACE THE PARTS OF MY CAR THAT YOUR POLICY HOLDER HIT! REPLACE NOT REPAIR! If you guys can provide me a LAW where it states that you DO NOT need to replace my parts in my vehicle then i'll gladly go get it repaired, but until then the "pre-accident condition" of my car was a BRAND NEW DOOR AND QUARTER PANEL STRAIGHT OUT OF THE DEALERSHIP P.S There are no new damages on my car you guys are free to come inspect Regards, [redacted]

Very negative experience I will bite my tongue, but needless to say they made me jump through rings of fire trying to get my auto title which was paid in full cash at a bankTo make a long story short I have wasted my gas and time and hours on the phone with them in days is a bit excessiveFor me to get a snot nosed little brat claiming to be a corporate superviser "the highest up you can talk to on the phone" basically holding my car title hostage saying unless I verify my address by mail, and I will add I told her to send it to the current address on the account and she refused I also asked to pick up my title at the bank which it was paid in full at and she refusedAlso they took my autopay out which was taken out days after my cash payment was made and she wont send my check out eitherIm yrs old I have many car loans left I will not do business with ever againDONT DO BUSINESS WITH THEM YOU HAVE BEEN WARNED!!!

Thank you for forwarding the foregoing follow up complaint regarding the diminished value claim for Ms [redacted] to our attention [redacted] is a fully owned subsidiary of Nationwide Mutual Insurance Company (hereafter “ [redacted] ”)On 12/18/14, Mr [redacted] called the complainant Ms [redacted] to coordinate the inspection of her vehicle for the diminished value claimMr [redacted] met with Ms [redacted] on 12/22/and inspected her vehicle to determine the amount of diminished valueAt 3:PM on 12/22/Mr [redacted] forwarded the diminished value documentation to meI was scheduled out of the office on 12/22/and was able to review the materials the following business day 12/23/On 12/23/14, I called Ms [redacted] to explain the amount of the diminished valueThis is calculated based on the Base Value $25, [redacted] 10% = $ [redacted] Severe Damage Modifier [redacted] Mileage Modifier = Diminished Value of $(See attached calculation worksheet – Exhibit I) Ms [redacted] rejected this amount as she met with [redacted] of [redacted] Motors who advised that due to the extent of the damages they would offer her $17,for her trade inI asked Ms [redacted] for documentation from the dealership to substantiate this amountMs [redacted] did not have any written documentation to support her claimI offered to contact her dealership so that I could follow up and obtain sameI advised Ms [redacted] I would contact her once I obtained information from her dealershipI called [redacted] on 12/23/at 2:52PM, on 12/27/at 1:28PM and again on 12/29/at 3:57PMI was able to speak with Mr [redacted] on this date and he has advised me that he does not have anything in writing to supply to meHe requested I follow up with him the week of January 5th because this is a very busy time for dealershipsHe could not promise me any written documentation but he offered to speak with his manager to see what could be doneI called Ms [redacted] on 1/2/and left a detailed message to advise her of the current statusThe diminished value offer of $was presented to Ms [redacted] on 12/23/and was rejectedWe will follow up with the dealership for documentation to support the amount they have determined the diminished value claim should beThe dealership must be able to substantiate their figures which should be reduced by the amount the vehicle depreciated after the sale notwithstanding the accident damagesUpon receipt of this substantiated documentation we will determine if any additional concessions can be madeShould you require any further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] ***, at ###-###-#### or via email at ***@nationwide.com

Please accept this letter as a formal response to the follow up questions regarding the Work Training Center, Inc403(b) Plan (Plan), administered by [redacted] Administrative Services, Inc (TPA) andserviced by Nationwide Financial (Nationwide)I appreciate the opportunity to address any concernsI apologize for any confusion as far as who was at fault for the lengthy processing time for this loanIspoke with Ms [redacted] initially on December 9, and relayed to her the information we had at thattimeUpon further review of the situation and conversations with the TPA, new information came to lightregarding the reasons for the delay in loan processingOn December 10, 2015, another representativereached out to Ms [redacted] to provide the updated informationHe was unable to reach Ms [redacted] andhis call was never returnedAccording to our records, the first loan initiated in the system by the TPA was on November 24, 2015.Prior to that, our system does not reflect a requested loanThis was the beginning of a string of issues thathave been outlined to Ms [redacted] , including the system issue that was discoveredwhich was preventingthe loan funds from being issued once the loan was approvedThis string of issues is the reason the loanhad to be cancelled and resubmitted so many timesEach was an effort to get the loan processedPlease be assured that this issue was worked diligently from the time of receipt until the funds weresuccessfully issued on December 11, I sincerely apologize for any inconvenience this situation hascaused, and I hope to have the opportunity to restore your faith in Nationwide in the futureShould youhave any additional questions or concerns regarding this matter, please feel free to contact me directly at###-###-####, weekdays between 8:a.mand p.mEastern timeSincerely,