Erie Insurance had a successful 2015 financial year. It achieved a net income of $3.xx per diluted Class A share, up from $3.18 in 2014. Total dividends to shareholders were $1xx million. Erie also saw growth in areas such as direct written premium, policies in force, and average premium per policy. The company received several honors for customer satisfaction and trustworthiness.

1. 2015
ANNUAL
REPORT
SAMPLE COLOR PALETTE
SAMPLE PHOTOS
ANNUAL REPORT
2015 Erie Indemnity Company Annual Report
how
we succeed For me to better understand Erie, the company, I first
had to appreciate its namesake, Erie, the city. When
you visit this humble lake town and order a sandwich
at a local deli or buy a newspaper from the corner
store, you’ll feel a strong sense of good will and
pride of place. After H. O. and O. G. co-founded their
company, they hired from within this community.
Because they all lived and worked together, ERIE
Employees were family, friends and neighbors who
looked out for each other, who were always ready to
lend a helping hand.
walking the halls of ERIE
Search for “success” on YouTube and
you’ll come across thousands of videos
from the world’s most accomplished
people. You’ll find Steve Jobs, Oprah and
Mark Zuckerberg, Michael Jordan and
J.K. Rowling, Richard
Branson and even Beyoncé
expounding on their
secrets to success. All of
these people—athletes
and authors, singers and
software engineers, and
business leaders—have set
themselves apart. They’ve
attained true greatness in
their fields and, ultimately,
made an indelible impact on
lives across the globe.If you watch even a few of these videos,
you’ll discover a common strand. Each has a
clear vision for the future, a passion to stay
focused, and a drive to realize their dreams.
These are not easy virtues to hold. If they
were, we’d all be creating the next smart
device or performing gravity-defying layups.
It’s hard—very, very hard. And the men
and women who possess this ability to
change our world have inspired many other
dreamers. They still do.
Seven and a half years ago, when I first
walked the halls of Erie Insurance, I thought
about our company’s inspiration—Co-
Founders H.O. Hirt and O.G. Crawford. As
America’s industrial age flourished, they
joined other captains of industry to position
the nation as an economic leader in the
world. If they were alive today, we would be
watching their YouTube videos and following
them on Twitter.
H. O., in particular, was a
pre-social media mogul.
For decades, he shared
his prolific, passionate
and thoughtful passages
in a weekly newsletter
to Agents. The Bulletin
remains the longest-running
weekly business publication
in the nation. H.O. had
that Oprah-like ability to
envision something new
and inspire others to make it happen. His
great success story is Erie Insurance. A
company that is better and stronger than
ever even after 90 years in business. ERIE
has been a survivor and a leader throughout
a span in which other great companies have
toppled under the pressures of the rapidly
evolving marketplace.This was the extraordinary responsibility I
grasped when I became CEO. The founders’
vision was now mine to carry. How do I
follow in their footsteps? How do I help
sustain this success?
Each has a clear
vision for the future,
a passion to stayfocused, and adrive to realize theirdreams.
howwe succeed

2. FINANCIAL HIGHLIGHTS
SHAREHOLDER SLIDE
INFOGRAPHIC
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howth nk
Revenue from
Management
Operations
1,407
500
1,297
Return on
Equity 23.6%
23.3%
22.5%
Net Income per
Class A share 3.18
2.99
3.08
Dividends declared
per Class A share 2.586
4.25 2.412
Results
INDEMNITY
• FORBES: “Most Trustworthy Financial
Company”
• Net income of $3.xx per diluted Class A
share, compared to $3.18 in 2014
• Net Income Increased $?million, from
$168 Million in 2014 to $1xx Million
• $1xx Million in Dividends to
Shareholders
• Regular Quarterly Cash Dividend
from $0.681 to $0.xxx on Each Class
A Share and from $102.15 to $1xx.xx
on each Class B Share, Representing a
7.x-percent Increase in Payout per Share
over the Prior Dividend Rate.
• Investment Income Growth of XX%
over 2014 for a total of $ X.X
• Five Million Policies in Force
• New Custom Collection for Commercial
Businesses: Restaurants, Wholesalers-
Distributors, Veterinarians and Pet Care
Services
• Enhanced Motorcycle Coverage
• New Online Quote and Pipeline for Agent Leads
• New Erie Secure Life and Life Plus
• FAA Approval to Use Drones Commercially
• Google Pilot Tests for Wearable Technology
• New Claims Management System for Improved
Response
• “Five Hottest Carriers in Insurance Technology”:
Insurance Networking News
• Four JD Power Top Honors
o Highest in Renters Insurance segment on the
J.D. Power Household Insurance Study
o “Highest in Customer Satisfaction with the Auto
Insurance Purchase Experience.” (Sixth Year)
o “Highest Among Auto insurers in the Mid-
Atlantic region in J.D. Power’s 2015 U.S. Auto
Insurance Study”
o “Highest in Customer Satisfaction with Small
Business Commercial Insurance” (Third
Consecutive Year)
EXCHANGE
• DWP of Over $5.x Billion
• $7.5 Million Direct Written Premium in Newest State, Kentucky
• Record New Growth of $710 Million
• Eighth Straight Year of Premium Growth at x.x Percent
• Combined Ratio xx.x, Down from 100.6 in 2014
• Policy Holder Surplus Exceeds $x billion
• X.X% Increase in Total Policies in Force and a X.X-Percent
Increase in Average Premium per Policy
• 90.x Retention Rate
• 4,991 Employees and 2,178
Independent Agencies
• 90th Anniversary Celebration:
Above All Together
• “Best of the Best—Veteran-Friendly
Companies”: U.S. Veterans Magazine
• 50,000-Square-Foot, Interactive
Technical Learning Center
• “America’s Best Employers”:
Forbes Magazine
• “Great Rated”: Great Place to Work®
• “Perfect Score”: 2016 Corporate Equality Index
• Expanded Parental Leave to two weeks and
Adoption Coverage to $3,500 per qualifying child
• ERIE Service Corps: 4,644 Hours Served
• Charities Served: XXXX
• ERIE Heritage Center
Business
Legacy of Giving
$90,000
Total Employee /
Company $362,473
United Way
Campaign
$900,000
People
Community
INDEMITY
COMPANY
2015
HIGHLIGHTS
ERIE