2009 Loss Cost Revision Effective October 1, 2009 · The Rating Board submitted the 2009 General Loss Cost Revision to the New York State Insurance Department on May 15, 2009 requesting

NEW YORK COMPENSATION INSURANCE RATING BOARD

2009 Loss Cost Revision

Effective October 1 2009

copy 2009 New York Compensation Insurance Rating Board

All rights reserved No portion of this filing may be reproduced by any means or stored in a retrieval system for subsequent reproduction without the written permission of the New York Compensation Insurance Rating Board

NEW YORK WORKERS COMPENSATION

DERIVATION OF APPROVED OCTOBER 1 2009 LOSS COST REVISION

Original Proposed Loss Cost Level Change +58 Filing of May 15 2009

Approved Loss Cost Level Change +45

Letter of Approval Dated July 15 2009

The Rating Board submitted the 2009 General Loss Cost Revision to the New York State Insurance Department on May 15 2009 requesting an average change of +58 in manual loss cost level to become effective October 1 2009

The May 15 2009 loss cost revision included the Rating Boardrsquos estimate of the impact of the latest increases in the maximum benefit as set forth in the 2007 reform legislation and also contained experience on the basis of two policy years in lieu of one policy year and one accident year as utilized in past filings The use of two policy years has several advantages over the one policy year and one accident year of experience including more mature experience a better match of losses to premium and elimination of the experience overlap Financial data in lieu of the traditional use of unit statistical plan data was used in this revision in the determination of the frequency and severity trend factors Financial data is more current than unit plan data and is therefore more responsive to changes in cost and frequency in the determination of prospective trends

The amended filing was submitted by the Rating Board in response to a Department request

and differs from the original filing in the following area

Trend Factor ndash Although there was general agreement with the new trend methodology a more gradual introduction of this change was considered to be appropriate Consequently the approved trend factor was determined by weighing the policy year and accident year financial trends with the traditional unit statistical plan trend with more weight being given to the financial trend

The detailed Filing Memorandum that accompanied the Rating Boardrsquos original filing submission precedes the attached actuarial exhibits and provides specific information on all components of the 2009 loss cost revision The Insurance Departmentrsquos approval letter is also attached and can be found following the actuarial exhibits

October 1 2009 Loss Cost Revision

Explanatory Memorandum

This memorandum together with the attached actuarial exhibits provides supporting documentation for an overall loss cost level change of +58 to become effective on October 1 2009

The proposed loss cost change is based on the latest statistical data reported by the Rating Boardrsquos member carriers and reflects the application of generally accepted actuarial principles and methodologies

The elements contributing to the overall change are summarized below and are presented in detail on the following pages

1 Change indicated by Policy Year 2007 experience 1042

3 Average change indicated by experience [(1) + (2)] 2 1034

4 Change in prospective claim cost frequency and wage levels 1000

5 Change in loss adjustment expense 1008

6 Change due to legislation 1016

7 Indicated Loss Cost Level Change (3) x (4) x (5) x (6) 1059

8 Change in catastrophe provision 1000

9 Catastrophe loss cost as percent of total loss costs 0024

10 Proposed Loss Cost Level Change [(7) x (10 - (9)] + [(8) x (9)] 1058

A listing of the actuarial exhibits follows the explanatory memorandum in order to provide easy reference for reviewing the underlying support for this filing 1 Experience of Policy Year 2007

The calculation of the indicated change in loss costs derived from the experience of Policy Year

2007 is presented as Exhibit B

The experience of Policy Year 2007 valued as of December 31 2008 has been compiled from the latest available statistical data submitted by the Rating Boards member companies Similar to recent years large deductible experience is included in the determination of the indicated experience change Although this experience is still viewed as unique and similar to self-insurance its inclusion reflects the Insurance Departmentrsquos long held position that this data should be included in the annual NYCIRB filing The methodology to include the large deductible experience takes into account the relative net earned premium volumes of the non-large deductible and large deductible business respectively This methodology is the same procedure that was used in the approved October 1 2008 revision The net ratios are appropriate since they represent the actual premium levels that are being charged for the respective New York business Furthermore at the previous direction of the Insurance Department the policy year indication also includes the experience of the State Insurance Fund

Since a loss cost experience indication is being filed it is first necessary to convert reported standard premium to a loss cost base The premium as reported by the carriers is at the historical designated statistical reporting level For example Policy Year 2007 premiums are reported to the Rating Board based on the full rate level ie including expenses based on the rate level in effect for that policy year The first step in the premium adjustment process is to remove all expenses included in the historical rates (except loss adjustment expenses (LAE) which are part of the loss costs) to bring the premium from a rate level to a loss cost level The premiums generated by the expense constant are removed and the remaining premiums are then multiplied by the latest approved loss and LAE ratio (759) Now that premiums have been adjusted to the loss cost level they need to be brought to current level This adjustment is done in accordance with standard actuarial procedures reflecting the latest approved loss cost level changes This results in an overall on-level factor of 0854 for PY 2007 and 0753 for PY 2006 The on-level calculations can be seen in Exhibit E Sheet 1

Similar to previous filings the Rating Board has utilized paid plus case bases losses for the

policy year loss evaluation Indemnity and medical losses were analyzed separately in recognition of the significant differences in their respective development patterns

Losses emanating from the September 11 2001 terrorist attacks have been excluded from the

ratemaking data Both policy year 2000 and policy year 2001 losses have been adjusted to remove the effects of the September 11 2001 experience that was identified and reported under Catastrophe Code 48 The definition of Catastrophe Code 48 encompasses claims directly arising from the commercial airline hijackings of September 11 2001 and the resulting subsequent events with accident dates of September 11 2001 through September 14 2001

For loss development two three four and five-year average link ratios as well as a three-year average calculated after excluding the highest and lowest points were analyzed for both indemnity and medical Development patterns can vary at various report levels but especially at the more immature valuations Consequently the methodology uses the middle three of five factors for the first to tenth reports and three-year average factors from tenth to nineteenth in order to smooth the impact of the variations in the observed development patterns Separate development factors were derived for the non-large deductible the large deductible experience and the State Insurance Fund using this same methodology

The Rating Board has used the same methodology as in the previous filings for determining the

tail factor portion of the ultimate loss development factors This method utilizes three reports of data at two successive valuations and averages these results with the tail factors calculated in the prior yearrsquos filing submission The incorporation of the previous factors is felt to be appropriate in order to further smooth the effect on development of reserve changes occurring in older policy years

Premium development factors similar to previous filings are based on five-year averages which minimize fluctuations in the observed development patterns

The private carrier non-deductible development data can be found in Exhibits BB Sheets 1 thru 2D For large deductible development exhibits labeled as Exhibit CC Sheets 1-2A are provided

Exhibit DD Sheets 1-2D contains the experience of the State Insurance Fund These pages include premium development factors for the policy year and separate indemnity and medical loss development factors Because of the large volume of State Fund data it is appropriate that projections of ultimate losses reflect this experiencersquos own development patterns

Policy year losses for the private carrier non-large deductible State Fund experience and the large deductible experience are separately adjusted to an ultimate settlement basis as described above Losses are then adjusted to reflect the current benefit level The experience period of PY 2006 and PY 2007 includes both pre-reform losses and post-reform losses Pre-reform losses are being adjusted for the full impact of the reform In theory losses that have occurred after the reform

would not need to be adjusted for the full impact of the reform as they are already at the post-reform level In practice however this may not necessarily be the case At the time of the 2008 loss cost revision the NYCIRB had conducted a carrier survey and it was determined that as of 123107 carriers were still reserving post-reform losses at the pre-reform benefit levels It was therefore necessary to adjust post-reform losses by the full impact of the reform

For this filing another carrier survey was conducted It was determined that although for the most part carriers are still reserving at pre-reform benefit levels some carriers are starting to reflect the reforms in their loss reserves When examining the different components of the reform it was determined that for the change in maximum weekly benefits the reserves (as well as payments) do reflect post-reform levels However with respect to the elimination of the Special Disability Fund (SDF) the reserves as of 123108 are at levels that are similar to where these reserves would have been set in a pre-reform environment This is because the claims are very immature at this time and any impact of the elimination of the SDF will be reflected in the future development of these losses As far as the PPD section of the reform (benefit duration caps) it was determined that while most carriers are still setting reserves at pre-reform levels (primarily due to the lack of loss-of-earning-capacity guidelines) some carriers do set reserves based on their estimates of post-reform benefits The on-level calculations shown on Exhibit D Sheet 2 reflect an assumption that carriers accurately reserve post-reform losses at the proper post-reform benefit levels The displayed selected on-levels reflect the following assumptions regarding loss reserves of post-reform losses

- All reserves reflect post-reform maximum weekly benefit levels - All reserves at this point of their valuation ie 123108 do not reflect the elimination of

the SDF - 10 of losses reflect the elimination of lifetime benefits and application of duration caps on

PPD losses - 90 of losses do not reflect elimination of lifetime benefits and application of duration caps

on PPD losses

In the selected on-level factors the 10 of losses that are reflecting post-reform PPD benefits are not adjusted for the impact of the reform but are expected to have a different development pattern than pre-reform losses A development adjustment for these losses is implicitly reflected in the selected on-level factors

Loss cost indications are calculated separately for the non-large deductible and large deductible

experience and are then weighted on the basis of their respective net earned premiums to arrive at a increase of 42 in loss cost level based upon Policy Year 2007 experience

2 Experience of Policy Year 2006

The calculation of the change in loss cost level indicated by the experience of Policy Year 2006 is

presented in Exhibit C With this filing a second year of policy year experience is being used to determine the overall

experience indication in lieu of the traditional use of accident year data Although the use of the latest accident year provides a more recent view of experience there are several aspects inherent in this base that strongly indicate that the use of two policy years is a better all-around experience base for ratemaking purposes Specifically

Policy year data at second report is more mature than accident year experience at first report

Policy year data represents an exact match of premium and losses from the same set of policies Accident year losses do not necessarily match the premiums that were written in the same year

Because accident year losses are more immature than policy year larger development factors are necessary to project them to an ultimate settlement basis which increases the chance of inaccuracies in the ultimate losses

The use of two policy years in lieu of one policy year and one accident year eliminates the overlap or double counting of a certain period of experience that is common to both the latest policy year and latest accident year

Using two policy years will result in more stable outcomes since completely new data is not being introduced in each annual filing This stability concept is particularly important in the loss cost environment since more stable indications from year to year will lessen the need for the carriers to revise their loss cost multipliers whenever there is a loss cost change

Policy Year 2006 experience which is valued at a second report has been adjusted to the

current loss cost level and developed to an estimated settlement basis in the same manner as described previously for the Policy Year 2007 experience

experience and are weighted on the basis of their respective net earned premiums The subsequent weighted average indicates an increase of 25 in loss cost level based on Policy Year 2006 experience

3 Average Experience Change

With equal weight being given to the 42 increase indicated by the Policy Year 2007 experience and the 25 increase indicated by the Policy Year 2006 experience the average effect of experience is an increase of 34

4 Trend Factor Analysis

The presentation of the loss portion of the trend factor is similar to previous years in that indicated trends are expressed in terms of average annual changes in claim costs and claim frequencies However with this revision the data source for these determinations is being changed from unit statistical plan (USP) data to financial call data While the use of USP data has worked reasonably well over the years this data is significantly older than other data sources and consequently is not as responsive to more recent changes in the levels of frequency or severity This lag in the USP data may not lead to a significant difference in results when trends are consistent over time However if the trend starts to change direction continuing to rely solely on USP data can result in not being able to identify the change for at least two years This could consequently lead to an overstatement or understatement of the required loss cost level change

This yearrsquos methodology bases the indicated frequency and severities primarily on the policy

year financial data with the accident year data being used as a secondary indicator in the trend analysis In addition the indicated frequency and severity trends are based directly on the financial data of all private carriers excluding large deductible experience and including the State Insurance Fund Previously separate frequencies and severities were calculated for the private carriers and State Fund and then combined on the basis of claim counts The new methodology eliminates the need to weigh together any of the underlying experience

All data has been adjusted in the same manner as under the previous methodology ie the premiums underlying the frequency calculation are adjusted to the current loss cost level and losses are adjusted to an estimated ultimate settlement basis as well as to the current benefit level in the same manner as previously described Claim counts have also been adjusted to ultimate values

It also should be noted that the claim counts reported in the financial data include only lost-time claims ie medical-only claim counts are not part of the analysis under the new methodology This is an improvement since while medical-only cases represent over 60 of the total claims they represent under 4 of the losses The inclusion of medical-only claims in a frequency and severity analysis can have a misleading effect on the final trend The exclusion of medical-only claims results in a greater focus on indemnity claims which are the major cost driver in the workers compensation system

Exhibit EE Sheets 1-9 show the derivation of the indicated claim frequency trend and the claim

cost trend for both indemnity and medical losses Claim frequency continues to decline in New York but at a lesser rate than seen previously

Claim costs however continue to increase with the indicated indemnity trend lower than last yearrsquos and the medical trend higher than seen in the previous filing

A wage trend analysis procedure using both an exponential and linear regression of the latest

five years of wage data from the New York State Department of Labor (DOL) is used in the wage trend calculation which is the same methodology as used in previous years The average weekly wages are derived directly from published DOL statistics for all industries Exhibit EE Sheet 10 shows the calculation of the wage trend factor produced by this methodology However in light of the current economic downturn the indicated annual wage trend of 58 will certainly exceed the actual wage levels during the prospective policy period According to the New York State Assemblyrsquos 2009 Economic Report wage growth for 2009 is expected to be less than 1 and at a 3 rate in 2010 Consequently a selected 25 annual wage trend has been selected for inclusion in the overall trend calculation

The result of the above described trend methodology produces an annual trend of +13

However with the effects of the 2007 reforms being mostly unknown or uncertain at this time and in view of the current economic uncertainty a unity trend factor has been selected as reasonable for the prospective policy period

5 Loss Adjustment Expense

The indicated change in loss adjustment expense can be found on Exhibit F

In this filing similar to last year loss adjustment expense has been determined on the basis of paid policy year and accident year Financial Call data for Defense and Cost Containment Expense (DCCE) and on Insurance Expense Exhibit data for Adjusting and Other Expense (AOE) The utilization of Financial Call data for determining DCCE provides a stable base for measuring these expenses and is the most current data available Ratios of paid DCCE to paid loss is an accurate measure of these costs since any variability over time in reserves for either loss or DCCE does not enter the calculation of this factor AOE continues to be based on Insurance Expense Exhibit data since it is the only data available with which to calculate this expense For both DCCE and AOE the effects of the 2007 reforms on losses have been taken into account The historical underlying policy year and accident year indemnity losses were brought to the post-reform benefit level in the manner that has been previously described For AOE ratios of indemnity to total loss were estimated for each calendar period and an average benefit adjustment factor was applied to the average AOE ratio The final LAE ratio of 1184 is based on five year averages of each component The proposed 1184 factor for LAE results in a +08 change in the overall loss cost level

6 Legislative Changes

a) Increase in Maximum Weekly Benefit According to statute the maximum benefits for injured workers will increase from $550

per week to $600 per week on July 1 2009 with additional annual increases effective on July 1 of each subsequent year keyed to the statewide average weekly wage

The effect of the July 1 2009 benefit change was partially included in the October 1 2008 loss cost revision and has been fully taken into account in the adjustment of losses to the current benefit level as described earlier

The determination of the loss cost impact resulting from statutory benefit changes

subsequent to July 1 2009 that raise the maximum weekly benefit continues to be based on a universally accepted actuarial methodology developed by actuary Barney Fratello in a paper entitled The Workers Compensation Injury Table and Standard Wage Distribution Table ndash Their Development and Use in Workers Compensation Insurance Ratemaking published by the Casualty Actuarial Society This publication or portions thereof has been used for over fifty years by actuaries in all jurisdictions to price the effects of changes in the maximum weekly benefit that are either proposed or enacted by their respective state legislatures The incorporation of a statersquos current statutory maximum weekly benefit the new maximum weekly benefit the statersquos average weekly wage and the lsquoStandard Actuarial Wage Distribution Tablersquo enable an actuary to produce an accurate estimate of the benefit cost when changes to the maximum are proposed or enacted

The actual methodology used by the NYCIRB to calculate the effects of changes in the

maximum weekly benefit is a Limit Factor Analysis as set forth in Mr Fratellorsquos actuarial paper For a better understanding of the method the following should be especially noted

While the methodology refers to average benefits and wage levels these are

expressed in terms of ratios for use with the Wage Distribution Table and are not intended to be actual values

The methodology only measures changes in the minimum and maximum benefits or percentage that these benefits bear to an employeersquos wages and nothing more It assumes that the current administrative functions within the workers compensation system and the level of disability or impairment of the injured workers that determines these benefits are at the current level

The methodology also reflects potential increases in utilization of the system as a result of the large increase in benefits In other states when large benefit changes were enacted it was often seen that more claimants applied for the more generous benefits which resulted in higher actual effects than the actuarial estimates were able to predict

The determination of the overall impact in New York of increasing the maximum weekly benefit from $600 to 23 of the statewide average weekly wage per week as of July 1 2010 and July 1 2011 can be found on the attached Exhibit G Sheet 1 Exhibit G Sheets 1 and 2 display the calculation of the 2010 and 2011 benefit changes respectively The methodology is performed separately for each major injury type [death permanent total permanent partial major (gt22000 per claim) permanent partial minor (lt22000 per claim) and temporary] to recognize any variation in the maximum as a percent of wage that is provided for by statute Recognition has also been given to the lower wage levels of PPD claimants and the manner of determining benefits that is used by the WCB for PPD cases This is consistent with last yearrsquos calculation

Once the indicated changes are determined by injury type these changes are applied to the latest distribution of incurred losses by injury type in order to obtain the estimated change in total indemnity costs The resultant indicated indemnity change is then weighted with the distribution of indemnity and medical losses based on 2007 policy year financial data to obtain an overall change The NYCIRB analysis then includes a utilization factor of 110 that contemplates the additional utilization of the workers compensation system as a result of the significantly higher benefit level This adjustment is consistent with the utilization factor used in last yearrsquos analysis

The increase in the maximum weekly benefit is expected to result in a 15 increase in

total workers compensation claim costs b) Other Legislative Changes

Hospital Surcharge As part of the approved 2009 New York budget legislation the surcharge on hospital inpatient and outpatient services imposed by the Health Care Reform Act is being increased from 895 to 963 effective April 1 2009 Exhibit G Sheet 4 contains the derivation of an indicated 01 increase in loss costs as a result of the change in the hospital surcharge

Medical Treatment Guidelines Medical treatment guidelines relative to four body parts was developed and published by the Workersrsquo Compensation Board in 2008 At this time the guidelines are not mandatory Medical care may improve as a result of the guidelines either by increasing the level of treatment in some cases or by decreasing the amount of treatment in other cases In addition the level of system utilization may depend on the enforceability of the guidelines In the long term the guidelines may also result in a decrease in return to work time These effects cannot be quantified at this time and will be reflected through future loss experience Consequently no explicit provision has been included in this filing for this section of the reform PPD Duration It is also too early to reevaluate the estimates of the impact of the sections of the reform relating to the implementation of benefit durations on non-schedule PPDs First impairment rating guidelines are not yet developed This makes the reserving process for PPD claims extremely difficult In addition these claims according to the carrier survey would normally be classified at least two years after the date of the accident The first post-reform claims are therefore just starting to emerge and no credible data is yet available to quantify any impact

The mandatory settlement offers as well as compelling carriers to pay the present values of these claims into the Aggregate Trust Fund may significantly reduce the carriersrsquo negotiation leverage in trying to reach a settlement and as a result put upward pressure on claim costs

In summary there is still significant uncertainty in the way the claims process will evolve under the new system Therefore while not including any new explicit reform provisions in this filing the Rating Board will continue to monitor and study the reform conduct additional surveys and examine other possibilities to obtain data which may be helpful in reevaluating cost impacts of the reforms that may be reflected in future loss cost filings

7 Catastrophe Provisions

In December 2007 the Terrorism Risk Insurance Program Reauthorization Act (TRIPRA) extended the federal back stop for terrorism through December 31 2014 In response to the increased carrier retentions required by the Act the loss cost provision for terrorism was increased as part of the approved October 1 2008 loss cost filing The loss cost for natural disasters and catastrophic industrial accidents was also changed at that time

In this filing no change in the catastrophe provision for either terrorism or natural disasters and catastrophic industrial accidents is being proposed

8 Industry Group Differentials

Industry group differentials are used to more equitably distribute the overall loss cost level change to individual employer classifications Nine industry groups are used in this analysis and are listed below

Food and Beverage Manufacturing Stores and Dealers-WholesaleRetail Chemical Manufacturing Professional and Office All Other Manufacturing Services Contracting Miscellaneous Maritime Admiralty and Federal

The industry group methodology entails a compilation of the latest three years of Unit Statistical Plan data into the nine industry groups and utilizes loss ratios as the basis for calculating a differential for each group relative to the statewide average (Exhibit I Sheet 1) The underlying premium base is standard premium on current loss cost level and includes payroll development Incurred losses have been developed to ultimate and are at the pre-2007 benefit level The methodology includes trend and utilizes other factors as previously described Credibility for each industry group is based on the three-year total number of compensable claims with the total number of lost-time claims for all groups combined as the standard for full credibility Partial credibility for each group in this revision is determined by the formula (NT)^23 where N is the three-year total of lost-time claims for the industry group and T is the three-year total of all lost-time claims The complement of credibility is the loss ratio for all groups combined Indicated differentials are calculated by relating each credibility weighted industry grouprsquos loss ratio to the overall total loss ratio As in past revisions an additional refinement to the indicated differential is included which recognizes different wage trends by industry group (Exhibit I Sheet 2) The final differentials will be applied as part of the process which calculates loss costs from class pure premiums The use of relativities by industry group provides a more refined and equitable distribution of the overall loss cost level to each class To ensure overall balance after the differentials are applied in the determination of class loss costs a test of loss costs will become the final step in the process

Loss cost changes for each classification will be limited to + 25 from the calculated industry

group change to minimize the swings in loss cost level by class while still maintaining a proper relativity structure

9 Construction Classification Territory Off-Balance

In accordance with the Construction Employment Payroll Limitation Law (Chapter 135 of the Laws of 1998) the weekly payroll limitation for construction employments will increase to $900 on July 1 2009 as a result of the increase in the maximum weekly benefit

In recognition of this payroll limitation relative to todayrsquos wage levels revised territory

differentials have been developed in accordance with the methodology approved by the Department at the inception of this program in 1999 Updated construction wage data was obtained from the New York Department of Labor and was projected into the prospective policy period The standard actuarial wage distribution table was then used to estimate the percentage of payroll by territory that would be eliminated by the $900 weekly cap

The average statewide differential proposed for October 1 2009 is 04 which when calculated

by territory is as follows Territory 1 (NYC) 05 Territory 2 (surrounding counties) 04 Territory 3 (remainder) 03

The change in the off-balance represents an overall 24 decrease below the current average differential of 29 However the estimated overall premium level effect for all construction classes is 00 since the differentials merely offset the effect of the capped payrolls on manual premiums

The derivation of the October 1 2009 territory differentials can be found in Appendix B

10 Classification Pure Premiums

Classification pure premiums are based on the experience of all carriers for the five-policy years

2002 - 2006 excluding the experience of self-rated risks In addition losses over $1200000 per claim (State Act) and $1800000 (Federal Act) are excluded from the pure premium development Consistent with past revisions five years of experience are used to determine the proposed pure premiums for all classes irrespective of credibility

Complete details with respect to the classification experience are contained in a separate

document that will be provided to the Department under separate cover

11 Changes in Loss Cost by Classification and Industry Group

A table showing the percentage change in loss cost level for each classification and industry group and the number of classifications for which loss costs are to be increased or decreased as well as those to which no change will be applicable will be provided upon approval

12 Total Change

As a result of the above analyses a loss cost level change of +59 is indicated When combined with no change in the catastrophe provisions an overall +58 change is proposed

13 New York State Assessment

A separate identifiable policy charge referred to as the New York State Assessment has been in effect since April 1 1994 as the mechanism to fund the costs of the Workers Compensation Board the Reopened Case Fund the Special Disability Fund the Special Funds Conservation Committee and Interdepartmental Expenses The current percentage charge calculated by the Rating Board effective October 1 2008 is 134 of standard premium

Based on the latest available information from the Workers Compensation Board and Special

Funds Conservation Committee the percentage of standard premium required to fund these costs for policies effective October 1 2009 is estimated to be 142 or a 07 increase from the current level The derivation of this policy charge is contained in Appendix A and utilizes the standard methodology for determining this charge

14 Effective Date

It is proposed that the filed loss costs and related rating values after approval by the Insurance Department become effective on October 1 2009 for new and renewal business observing the established rating anniversary date in accordance with the provisions of Rule I Section G of the New York Workers Compensation and Employers Liability Manual

NYCIRB

New York Workers Compensation

List of Exhibits

Principal Exhibits

Exhibit A - Summary - All Elements

Exhibit B - Determination of Policy Year 2007 Loss Cost Indication

Exhibit C - Determination of Policy Year 2006 Loss Cost Indication

Exhibit D - On-Level Factors

Exhibit E - Trend Factors

Exhibit F - Loss Adjustment Expense

Exhibit G - Legislative Changes

Exhibit H - Terrorism and Natural Catastrophes

Exhibit I - Industry Group Differentials

Exhibit J - Pure Premium Multipliers

Exhibit K - Loss Cost Level Changes by Industry Group

Exhibit L - Loss Cost Swing Limits by Industry Group

Supporting Exhibits

Exhibit AA - Test of Loss Cost Level

Exhibit BB Sheet 1 - Private Carrier Policy Year Premium Development Factors

Exhibit BB Sheets 2 ndash 2D - Private Carrier Policy Year Loss Development Factors

Exhibit CC Sheet 1 - Large Deductible Policy Year Premium Development Factors

Exhibit CC Sheets 2 ndash 2A - Large Deductible Policy Year Loss Development Factors

Exhibit DD Sheet 1 - State Ins Fund Policy Year Premium Development Factors

Exhibit DD Sheets 2 ndash 2D - State Insurance Fund Policy Year Loss Development Factors

Exhibit EE Sheets 1 ndash 10 - Trend Analysis

Appendices

Appendix A - New York State Assessment

Appendix B - Construction Class Territory Differentials

Insurance Department Letter of Approval

Compiled 71509 October 2009 Revisionby the NYCIRB Exhibit A Amended

1 Loss Cost change indicated by Policy Year 2007 Experience (Exhibit B) 1042

2 Loss Cost change indicated by Policy Year 2006 Experience (Exhibit C) 1025

3 Average Loss Cost change indicated by Experience [(1)+(2)] 2 1034

4 Projected change in Loss Costs (Trend Exhibit E) 0988

5 Change in Loss Adjustment Expenses (Exhibit F) 1008

6 Legislative Changes (Exhibit G) 1016

7 Indicated Change 1046[(3) x (4) x (5) x (6)]

8 Change in Catastrophe Provision (Exhibit H) 1000

9 Catastrophe Provision premium as percent of total premium 0024

10 Total Proposed Loss Cost Level Change 1045[(7) x (10 - (9)] + [(8) x (9)]

WORKERS COMPENSATION - NEW YORK

GENERAL LOSS COST REVISION - OCTOBER 1 2009

SUMMARY - ALL ELEMENTS

Compiled 5509 October 2009 Revisionby the NYCIRB Exhibit B

To Adjusted Excl Lge Ded Lge DedValued as of 9302009 Development Data Loss Cost Loss Cost12312008 Levels Factors (1) x (2) x (3) Change Change

(1) (2) (3) (4) (5) (6)

1 Expected Total Lossesa Excl Large Ded 1520935302 0854 0971 1261211264b Large Deductible 661359258 0854 1022 577226424c SIF 1218491551 0854 1001 1041632376d Total Std Ed Prem a+c 2739426853 2302843640

2 Case Basis Indemnity Lossesa Excl Large Ded 332580604 0755 2343 588323448 0466 ------b Large Deductible 125854267 0755 2806 266626040 ------ 0462c SIF 261186892 0755 2466 486356107 0467 ------d Total Ind Losses a+c 593767496 1074679555 0467 ------

3 Case Basis Medical Lossesa Excl Large Ded 315477913 0995 1952 612733822 0486 ------b Large Deductible 125524959 0995 2433 303875214 ------ 0526c SIF 212872377 0995 1619 342931749 0329 ------d Total Med Losses a+c 528350290 955665571 0415 ------

4 Indicated Change in Indemnity amp Medical Loss Costs 0882 0988Col(5) = (2d) + (3d) Col (6) = (2b) + (3b)

5 Loss Cost Change incl Loss Adjustment Expense (4) x 1175 1036 1161

6 Weights Based on Net Earned Premium 0951 0049

7 Final Policy Year 2007 Loss Cost Indication 1042

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

Development Factors are from Exhibit BB for private carriers Exhibit CC for Large Deductible Exhibit DD for SIF

Expected Losses are derived from standard premium at NYCIRB level adjusted by the latest approved expectedloss amp LAE ratio of 0759

Underlying standard earned premium excludes expense constant premium of $39540240Underlying large deductible premium excludes expense constant premium of $4393360Underlying SIF standard earned premium excludes expense constant premium of $42966600

Determination of Change in Manual Loss Cost Level

Experience of All Carriers

Policy Year 2007 Experience

Compiled 5509 October 2009 Revisionby the NYCIRB Exhibit C

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

2009 RevisionExhibit DSheet 1

Determination of On-level Factors

Section A - Factor Adjusting 2006 Policy Year Loss Costs to Present Level

(1) (2) (3) (4) (5)

Rate Adj FactorLevel Cumulative Product Cumulative Index

Date Change Index Weight (2)x(3) Sum Column (4)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

Section B - Factor Adjusting 2007 Policy Year Loss Costs to Present Level

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

Section C - Factor Adjusting 2006 Policy Year Indemnity Losses To Present Benefit Level

(1) (2) (3) (4) (5)

Benefit Adj FactorLevel Cumulative Product Cumulative Index

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

Selected 0772 (see explanatory memorandum)

Section D - Factor Adjusting 2007 Policy Year Indemnity Losses To Present Benefit Level

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

Section E - Factor Adjusting 2006 Policy Year Medical Losses To Present Benefit Level

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

Section F - Factor Adjusting 2007 Policy Year Medical Losses To Present Benefit Level

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Compiled 71509 October 2009 Revisionby the NYCIRB Exhibit E

Amended

(A) Annual Loss Trend

Policy Year Accident Year Policy Year WeightedFinancial Financial Unit Reports Average

(1) Indemnity Claim Cost Trend 10394 10487 10329

(2) Indemnity Claim Frequency Trend 09834 09761 09532

(3) Indemnity Loss Trend [(1) x (2)] 10221 10236 09846

(4) Medical Claim Cost Trend 10714 10717 10700

(5) Medical Claim Frequency Trend 09834 09761 09545

(6) Medical Loss Trend [(4) x (5)] 10536 10461 10213

(7) Indemnity Weight 05200 05200 05200

(8) Medical Weight 04800 04800 04800

(9) Indicated Annual Loss Trend [(3)x(7) + (6)x(8)] 10372 10344 10022

(10) Weights 045 010 045 10212

(B) Annual Wage Trend (Selected) 10250

(C) Annual LossWage Trend (A10) (B) 09963

(D) Trended to Average Accident Date (D)^325 09880

(E) Final LossWage Trend Factor 0988

Policy Year 2007 adjusted ultimate losses - See Exhibit B

Average Annual Change

DETERMINATION OF TREND FACTOR

Compiled 5509 October 2009 RevisionBy The NYCIRB Exhibit F

Paid DCCE Ultimate Paid DCCE Paid DCCE Ultimate Paid DCCEPY DCCE Factor to Ult DCCE Ult Indem+ Med Loss Ratio to Loss AY DCCE Factor to Ult DCCE Ult Indem+ Med Loss Ratio to Loss

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Source New York Financial Data Calls Source New York Financial Data Calls Indemnity losses are adjusted to the current benefit level All Year Average 0096 Indemnity losses are adjusted to the current benefit level All Year Average 0082

Average 2003-2007 0115 Average 2004-2008 0097

Loss Adjustment Expense Analysis (Private Carrier Experience)

Paid Defense amp Cost Containment Expense by Policy Year 1208 Paid Defense amp Cost Containment Expense by Accident Year 1208

Average 2005-2007 0122 Average 2006-2008 0102

Adjustments for Large Deductibles Inc AOECY Incurred Losses AOE Incurred Adj to AOE Adj to Loss Ratio to Loss

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

Source Insurance Expense Exhibit (5) = (2)(1)+(3) x (4) All Year Average 0084

5 Year Average 0078

3 Year Average 0081

Adj for reform by factor of 0838

Final DCCE 0106(5 yr avg PY amp AY)Final AOE 0078

Total LAE 0184

Adjusting and Other Expenses Incurred

Current LAE 0175

Change in LAE 10088

Compiled by the NYCIRB 2009 RevisionExhibit G

Sheet 1

Proposed Weight in FilingDate Max Benefit Cumulative Impact Effective Period Filing Impact(1) (2) (3) (4) (5) (6)

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Filing Impact 15

Proposed Benefit Changes

Est Increase in Cost

Compiled 041009 Exhibit GBy The NYCIRB Sheet 2

Maximum July 1 2010 = 23 SAWW Per Week

1 Injury Type Death Permanent Total Perm Partial - Major Perm Partial - Minor TemporaryCurrent Proposed Current Proposed Current Proposed Current Proposed Current Proposed

2 Effective Date July 1 2009 July 1 2010 July 1 2009 July 1 2010 July 1 2009 July 1 2010 July 1 2009 July 1 2010 July 1 2009 July 1 20103 Compensation 06667 06667 06667 06667 06667 06667 06667 06667 06667 066674 Minimum Comp $10000 $10000 $10000 $10000 $10000 $10000 $10000 $10000 $10000 $100005 Maximum Comp $60000 $68523 $60000 $68523 $60000 $68523 $60000 $68523 $60000 $685236 Eff Wkly Wage for Min (4) (3) $14999 $14999 $14999 $14999 $14999 $14999 $14999 $14999 $14999 $149997 Eff Wkly Wage for Max (5) (3) $89996 $102779 $89996 $102779 $89996 $102779 $89996 $102779 $89996 $1027798 Avg Weekly Wage $102779 $102779 $102779 $102779 $50261 $50261 $50261 $50261 $102779 $1027799 Ratio to Avg -Min- (6)(8) 015 015 015 015 030 030 030 030 015 01510 Ratio to Avg -Max- (7)(8) 088 100 088 100 179 204 179 204 088 10011 B Value for (9) 00653 00653 00653 00653 07270 07270 07270 07270 00653 0065312 B Value for (10) 288185 376181 288185 376181 820043 886603 820043 886603 288185 37618113 Difference (12) - (11) 287532 375528 287532 375528 812773 879333 812773 879333 287532 37552814 A Value for (9) 06872 06872 06872 06872 34475 34475 34475 34475 06872 0687215 A Value for (10) 486143 579869 486143 579869 919437 954407 919437 954407 486143 57986916 Difference 100 - (15) 513857 420131 513857 420131 80563 45593 80563 45593 513857 42013117 (9) x (14) 01031 01031 01031 01031 10343 10343 10343 10343 01031 0103118 Product (10 )x (16) 452194 420131 452194 420131 144208 93010 144208 93010 452194 42013119 Limit Factor (13) + (17) + (18) 740757 796690 740757 796690 967323 982685 967323 982685 740757 79669020 Eff Avg Weekly Wage (8) x (19) $76134 $81883 $76134 $81883 $48619 $49391 $48619 $49391 $76134 $8188321 Average Weekly Benefit $50759 $54591 $50759 $54591 $32414 $32929 $32414 $32929 $50759 $5459122 Indicated Change in Costs - 76 - 76 - 16 - 16 - 76

PPD average wage adjusted for average disability rating

New York Incurred Losses July 1 2009 Benefit Change July 1 2010

Death $80307928 76 $86411330Permanent Total $220668176 76 $237438957Permanent Partial - Major $995429186 16 $1011356053Permanent Partial - Minor $44471212 16 $45182752Temporary $142587532 76 $153424185

Total Indemnity $1483464034 34 $1533813276

Policy Year 2006 Unit Statistical Plan data for all carriers on level and developed to estimated ultimate

Indemnity Losses as Percent of Total Losses 0523Medical Losses as Percent of Total Losses 0477

2009 Loss Cost Filing

Estimated Claim Cost Effect of Benefit Change = 18( 61 x 1034)+ (39 x 100) - 100

Factor to Reflect Expected Increase in System Utilization 110

Estimated Rate Level Effect of Benefit Change = 20

Estimated Premium Effect of Benefit Change = $69871855

2 Effective Date July 1 2010 July 1 2011 July 1 2010 July 1 2011 July 1 2010 July 1 2011 July 1 2010 July 1 2011 July 1 2010 July 1 20113 Compensation 06667 06667 06667 06667 06667 06667 06667 06667 06667 066674 Minimum Comp $10000 $10000 $10000 $10000 $10000 $10000 $10000 $10000 $10000 $100005 Maximum Comp $68523 $69893 $68523 $69893 $68523 $69893 $68523 $69893 $68523 $698936 Eff Wkly Wage for Min (4) (3) $14999 $14999 $14999 $14999 $14999 $14999 $14999 $14999 $14999 $149997 Eff Wkly Wage for Max (5) (3 $102779 $104834 $102779 $104834 $102779 $104834 $102779 $104834 $102779 $1048348 Avg Weekly Wage $104834 $104834 $104834 $104834 $51266 $51266 $51266 $51266 $104834 $1048349 Ratio to Avg -Min- (6)(8) 014 014 014 014 029 029 029 029 014 01410 Ratio to Avg -Max- (7)(8) 098 100 098 100 200 204 200 204 098 10011 B Value for (9) 00527 00527 00527 00527 06388 06388 06388 06388 00527 0052712 B Value for (10) 361452 376181 361452 376181 877801 886603 877801 886603 361452 37618113 Difference (12) - (11) 360925 375654 360925 375654 871413 880215 871413 880215 360925 37565414 A Value for (9) 06002 06002 06002 06002 31487 31487 31487 31487 06002 0600215 A Value for (10) 564991 579869 564991 579869 950049 954407 950049 954407 564991 57986916 Difference 100 - (15) 435009 420131 435009 420131 49951 45593 49951 45593 435009 42013117 (9) x (14) 00840 00840 00840 00840 09131 09131 09131 09131 00840 0084018 Product (10 )x (16) 426309 420131 426309 420131 99902 93010 99902 93010 426309 42013119 Limit Factor (13) + (17) + (1 788074 796625 788074 796625 980446 982356 980446 982356 788074 79662520 Eff Avg Weekly Wage (8) x ( $82617 $83514 $82617 $83514 $50264 $50362 $50264 $50362 $82617 $8351421 Average Weekly Benefit $55081 $55679 $55081 $55679 $33511 $33576 $33511 $33576 $55081 $5567922 Indicated Change in Costs - 11 - 11 - 02 - 02 - 11

Total Indemnity $1533813276 05 $1541176373

Factor to Reflect Expected Increase in System Utiliza 110

Compiled 42309 2009 Revision

By The NYCIRB Exhibit G

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

3 Difference ‐ New Current (1) ‐ (2) 00068

4 Hospital as Total Medical 028

5 Change in Surcharge on Medical (3) x (4) 00019

6 Medical as Total Losses in 2009 Filing 049

7 Total Loss Cost Impact (5) x (6) 01

NY Dept of Health

WCRI Updated Baseline NY Report ‐ April 2009

Impact of Change in Health Care Reform Act Hospital Surcharge

NYCIRB 2009 Loss Cost Revision Exhibit H

Terrorism and Catastrophe Charges

In the October 1 2008 loss cost filing the charge for terrorism was changed to reflect the

higher carrier retentions required by the enactment of the Terrorism Ris k Ins urance Program

Reauthorization Act of 2007 (TRIPRA) The charge for natural disasters and catastrophic

industrial accidents was also changed at that time

In this filing no changes to these catastrophe charges are being proposed Consequently the

currently approved loss cost for terrorism will remain at $ 038 per $100 of payroll (29 of

premium for per capita classes) and the current loss cost for natural disasters and catastrophic

industrial accidents will remain at $ 008 per $100 of payroll (07 of premiu m for per capita

classes)

Compiled 42409 October 2009 RevisionBy The NYCIRB Exhibit I

Sheet 1

Standard Incurred USP Number of Indicated Differential FinalPolicy Earned Prem Losses on Loss Compensable Group Cred Wtd Ind Group Adjustment Ind Group

Industry Group Year On 102008 Level On 102008 Level Ratio Cases Credibility Loss Ratio Differential Factor Differential

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2004 $358998445 $247280457 6342StoresampDealers 2005 $364511609 $256347847 6342

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

Determination of Industry Group Differentials

Sheet 2New York Workers Compensation

Industry Group Differential Adjustment Factor Calculation

Effect of MedIndIndustry Indemnity Medical Total Avg Annual Wage trendsGroup Losses Losses Losses Wage Trend On Ind Group

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(7) Annual Indemnity Trend from 102009 rate revision 1021

(8) Annual Medical Trend from 102009 rate revision 1053

Effect by Group(6) = MedLossTrend(8)^225 Group Wage Trend(5)^225Effect for Total(6) = IndLossTrend(8)^225 Total Wage Trend(5)^225

Factors to Normalized

Industry Adjust Indicated Adjustment

Group Differentials Factors

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

Factors are weighted on total losses

Compiled by the 2009 RevisionNYCIRB Exhibit J

PURE PREMIUM CORRECTION FACTORS AND MULTIPLIERS

Policy Year 1012009Needed Provision Including RLAF amp Extension at Pure Premium Pure Premium

Provision for Losses in 100108 Rates for Losses on Change in Trend 10109 Final Correction Factors Multipliers Including LTF RLAF amp Wage Factor(a) 2009 Level (b) Wage Factor Pure Premiums (2)(4) (3)(4)

(1) (2) (3) (4)

Serious 1308385721 1444496172 1445107264 1421930539 10159 10163Non-Serious 201369790 208426826 208515001 226428281 09205 09209Medical 1278311248 1298725213 1299274636 1363771560 09523 09527

2788066759 2951648212 2952896901 3012130380

Pure Premium MultipliersIndustry Group Industry Group

Industry Group Differential Off-Balance(c) Serious Non-Serious Medical

1 - Food amp Beverage Manufacturing 1007 100367 10163 09209 095272 - Chemical Manufacturing 1009 107549 10163 09209 095273 - All Other Manufacturing 1000 100844 10163 09209 095274 - Contracting 1049 102605 10163 09209 095275 - Stores amp Dealers 0994 099161 10163 09209 095276 - Professional amp Office 0941 117869 10163 09209 095277 - Sevices - All Other 1004 096196 10163 09209 09527

- Servants Per Capita (d) 1004 096196 09915 08984 092958 - Miscellaneous 1007 095928 10163 09209 095279 - Maritime Admiralty amp Federal - NY 1015 098832 10163 09209 09527

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Manual Loss Cost = (Final Pure Premiums X Pure Premium Multipliers) X Change in LAE of 1008 X Industry Group Differentials X Industry Group Off-Balance X (f) subject to swing limits of +- 25 of the industry group change

(a) Obtained by multiplying Policy Year 2006 payrolls for all carriers by present Underlying Pure Premiums and Loss TrendWage Factor and Rate Level Adjustment Factor from the 2008 Loss Cost Revision Includes a test correction factor of 09651715

(b) Column (1) Total was multiplied by the Policy Year indication (1042) and the Benefit Change (1016) and Serious Non-Serious and Medical were then made proportional to the Policy Year 2006 Unit Statistical Report data

(c) Reflects balancing factor and the premium effect of limiting each class loss cost change to within 25 of its industry group change(d) Not subject to Wage Factor of 1025(e) All US Multipliers include a factor of 1034 to reflect the difference between USL Assessment for Special Funds (1416)

and New York Assessments (1369)(f) For classes eligible for the New York Construction Classification Premium Adjustment Program an off-balance factor of 1039 is also applied

Compiled by October 2009 Revision NYCIRB Exhibit K WORKERS COMPENSATION - NEW YORK CHANGES IN CLASSIFICATION LOSS COSTS ndash OCTOBER 1 2009

BY INDUSTRY GROUP Set forth below are the percentage changes in manual loss cost level for each industry group and the number of classifications for which loss costs were increased or decreased as well as those for which no change was developed

Industry Group

Percentage Change

In Manual Loss Cost Level Decreased Unchanged Increased

Total of

Classes

1 Food amp Beverage Mfg

2 Chemical Mfg

3 All Other Mfg

4 Contracting

5 Stores amp Dealers

6 Professional and Office

7 Services

8 Miscellaneous

9 Maritime Admiralty amp Federal

TOTAL +46 180 10 372 562

Compiled by October 2009 Revision NYCIRB Exhibit L WORKERS COMPENSATION - NEW YORK SWING LIMITS IN CLASSIFICATION LOSS COSTS ndash OCTOBER 1 2009

BY INDUSTRY GROUP The manual loss costs were calculated to fall within the following swing limits

Industry Group Upper Limit Lower Limit

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

Upper and lower limits are +-25 of the respective industry group change as shown in Exhibit K The classifications which have been limited are listed below

List of Classifications Limited by Upper Swing

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

List of Classifications Limited by Lower Swing

8833 8854 8864

Compiled by the 2009 Revisionby the NYCIRB Exhibit AA

WORKERS COMPENSATION -- NEW YORK

LOSS COST LEVEL TEST

Excluding the Experience of Self-Insured Risks

Premium at Premium at Loss Cost10012008 10012009 Level Change

Industry Group Loss Costs Loss Costs (3)(2) (1) (2) (3) (4)

1 Food amp Beverage Mfg $65349117 $69927568 10702 Chemical Mfg $28380984 $30400863 10713 All Other Mfg $248179087 $263727315 10634 Contracting $666779214 $743214493 11155 Stores amp Dealers $282335756 $298293183 10576 Professional and Office $645758081 $598870835 09277 Services $796212085 $850469892 10688 Miscellaneous $143263559 $153434476 10719 Maritime Admiralty amp Federal $10794571 $11648878 1079

A Total Loss Cost Change $2887052454 $3019987504 1046

B Change in Catastrophe Provisions (Exhibit H) 1000

C Overall Change[ (A) x 976] + [ (B) x (10-976)] 1045

Based on Policy Year 2006 New York Unit Statistical Plan Experience

Compiled 5509 October 2009 Revisionby the NYCIRB Exhibit BB

Sheet 1

PolicyYear 1st Report 2nd Report 3rd Report 4th Report 5th Report 6th Report

1998 Dev 56 1550921741 1549292094 09991999 Dev 56 1628854568 1616669216 09932000 Dev 56 1701903910 1704909876 10022001 Dev 56 1619258749 1603122112 09902002 Dev 56 1624282483 1623477309 1000

1st2nd 2nd3rd 3rd4th 4th5th 5th6th 6thUltAll Year AverageAge to Age 0992 0986 0999 0997 0997 1000Age to Ult 0971 0979 0993 0994 0997 1000

4 Year AverageAge to Age 0995 0986 0999 0997 0996 1000Age to Ult 0973 0978 0992 0993 0996 1000

Premium Development to Ultimate 0971 0979 0993 0994 0997 1000

Premium development based on all year average

Development Factors - Premiums

Private Carriers Excluding Large Deductible Experience

Sheet 2

PolicyYear 1st Report 2nd Report 3rd Report 4th Report 5th Report 6th Report 7th Report 8th Report 9th Report 10th Report

1stUlt 2ndUlt 1st2nd 2nd3rd 3rd4th 4th5th 5th6th 6th7th 7th8th 8th9th 9th10th

5 Year Average 2481 1771 1401 1212 1109 1055 1046 1035 1018 1017 10134 Year Average 2389 1710 1397 1186 1110 1050 1040 1031 1016 1015 10103 Year Average 2232 1595 1399 1187 1094 1048 1043 1029 1017 1011 10072 Year Average 2220 1590 1396 1196 1107 1058 1042 1032 1025 1008 1003Latest Year 2400 1687 1423 1199 1111 1059 1036 1040 1023 1013 1010Mid 3 of 5 2439 1736 1405 1191 1106 1057 1043 1033 1020 1018 1015

Loss Development to Ultimate 2343 1668

Loss development based on 3 Mid of 5 Year average for 1st to 10th maturities and 3 Year average for 10th to 19th

Note Policy years 2000 and 2001 adjusted for Cat48 losses

Policy Year Development Factors - Indemnity Losses (Case Basis)

Sheet 2A

PolicyYear 10th Report 11th Report 12th Report 13th Report 14th Report 15th Report 16th Report 17th Report 18th Report 19th Report

Development 10th11th 11th12th 12th13th 13th14th 14th15th 15th16th 16th17th 17th18th 18th19th 19thUlt

5 Year Average 1016 1012 1011 1010 1008 1000 1006 1003 1001 10294 Year Average 1015 1010 1010 1012 1011 1006 1006 1005 0999 10293 Year Average 1007 1004 1003 1005 1005 1003 1002 1001 0995 10292 Year Average 1003 0998 1000 1001 1002 1001 0999 0995 0991 1029Latest Year 1006 1000 0999 1006 1007 1003 1005 1002 1002 1029Mid 3 of 5 1014 1012 1008 1008 1005 1003 1006 1004 1005 1029

From Exhibit BB Sheet 2D

Sheet 2B

Policy Year Development Factors - Medical Losses (Case Basis)

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

1 Case incurred losses for Policy Year 1986 valued as of 123105 606462938 3134975562 Case incurred losses for Policy Year 1987 valued as of 123106 652835445 3150495573 Case incurred losses for Policy Year 1988 valued as of 123107 678275365 2970481024 Average ((1)+(2)+(3))3 645857916 3085317385 Ratio of (4) (3) 0952 1039

6 Total incurred losses for Policy Year1986 valued as of 123105 612510791 3172459347 Total incurred losses for Policy Year 1987 valued as of 123106 662974651 3212847588 Total incurred losses for Policy Year 1988 valued as of 123107 689826744 3021187979 Average ((6)+(7)+(8))3 655104062 313549830

10 Factor from case to total incurred basis at 19th report (9)(4) 1014 1016

11 Change in total incurred losses from 123104 to 123105 for 35523835 36080772all Policy Years 1985 and prior

12 Change in total incurred losses from 123105 to 123106 for -17042128 -3037587all Policy Years1986 and prior

13 Change in total incurred losses from 123106 to 123107 for -12606979 18336094all Policy Years1987 and prior

14 Average ((11)+(12)+(13))3 1958243 17126426

15 Development factor from 19th to ultimate 1017 1072[(3)(5)(10) +(14)] [(3)(5)]

16 Case incurred losses for Policy Year 1987 valued as of 123106 652835445 33557910217 Case incurred losses for Policy Year 1988 valued as of 123107 678275365 32110899818 Case incurred losses for Policy Year 1989 valued as of 123108 751172075 33813476119 Average of (16) through (18) 694094295 33160762120 Ratio of (19) (18) 0924 0981

21 Total incurred losses for Policy Year 1987 valued as of 123106 662974651 34222060722 Total incurred losses for Policy Year 1988 valued as of 123107 689826744 32659042023 Total incurred losses for Policy Year 1989 valued as of 123108 770536363 34584950324 Average of (21) through (23) 707779253 33822017625 Factor from case to total incurred basis at 19th report (24) (19) 1020 1020

26 Change in total incurred losses from 123105 to 123106 for -17042128 -3236198all Policy Years 1986 and prior

27 Change in total incurred losses from 123106 to 123107 for -12606979 19530927all Policy Years 1987 and prior

29 Average of (26) through (28) -2101330 9483626

30 Development factor from 19th to ultimate 1017 1049[(18)(20)(25)+(29)] [(18)(20)]

31 Average development factor from 19th to ultimate 1017 1061[(15) + (30)] 2

32 Factor 19th to ultimate 10108 1040 1102

33 Final development factor from 19th to ultimate [(31)+(32)]2 1029 1082

Adjusted to the level of Policy Year 1988 Adjusted to the level of Policy Year 1989

Policy Year Loss Development Factors from 19th Report (Case Basis) to Ultimate Incurred

Compiled 5509 October 2009 Revisionby the NYCIRB Exhibit CC

Sheet 1

Large Deductible Experience Only

1st2nd 2nd3rd 3rd4th 4th5th 5th6th 6thUlt All Year AverageAge to Age 1027 0996 1007 0996 0996 1000Age to Ult 1022 0995 0999 0992 0996 1000

WORKERS COMPENSATION - NEW YORKDevelopment Factors - Premiums

Sheet 2WORKERS COMPENSATION - NEW YORK

Policy Year Development Factors - Indemnity Losses (Case Basis)Experience from Large Deductible Policies Only

Development 1stUlt 2ndUlt 1st2nd 2nd3rd 3rd4th 4th5th 5th6th 6th7th 7th8th 8th9th 9th10th

Loss development to ultimate based on 3 Mid of 5 Year average for 1st to 10th maturities and 3 Year average of non-deductible experience for 10th to ultimate23

Sheet 2AWORKERS COMPENSATION - NEW YORK

Policy Year Development Factors - Medical Losses (Case Basis)Experience from Large Deductible Policies Only

Compiled 41609 October 2009 Revisionby the NYCIRB Exhibit DD

Sheet 1

1st2nd 2nd3rd 3rd4th 4th5th 5th6th 6thUlt5 Year AverageAge to Age 1013 0992 0997 0999 1000 1000Age to Ult 1001 0988 0996 0999 1000 1000

Premium development based on 3 year average

Development Factors - PremiumNew York State Insurance Fund

Sheet 2

Loss development based on 3 Mid of 5 Year average for 1st to 10th maturities and 3 Year average for 10th to ultimateNote Policy years 2000 and 2001 adjusted for Cat48 losses

WORKERS COMPENSATION - NEW YORKNew York State Insurance Fund

Sheet 2A

PolicyYear 10th Report 11th Report 12th Report 13th Report 14th Report 15th Report 16th Report 17th Report 18th Report 19th Report 19th Report

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

1 Case incurred losses for Policy Year 1986 valued as of 123105 499080110 2239094922 Case incurred losses for Policy Year 1987 valued as of 123106 542333600 2376464123 Case incurred losses for Policy Year 1988 valued as of 123107 630417574 2222698304 Average (1) through (3) 557277095 2279419115 Ratio of (4)(3) 0884 1026

6 Total incurred losses for Policy Year 1986 valued as of 123105 523997350 2296313897 Total incurred losses for Policy Year 1987 valued as of 123106 575678513 2411341828 Total incurred losses for Policy Year 1988 valued as of 123107 669354081 2360985589 Average (6) through(8) 589676648 235621376

14 Average (11) through (14) -511517 2868131

21 Total incurred losses for Policy Year 1987 valued as of 123106 575678513 25684718722 Total incurred losses for Policy Year 1988 valued as of 123107 669354081 25522254123 Total incurred losses for Policy Year 1989 valued as of 123108 768262441 25892809324 Average of (21) through (23) 671098345 25699927425 Factor from paid to total incurred basis at 19th report (24) (19) 1058 1035

29 Average of (26) through (28) -15027367 -6845509

33 Selected development factor from 19th to ultimate [(31)+(32)]2 1051 1020

Compiled by NYCIRB 2009 RevisionExhibit EE

Sheet 1Trend Analysis

Claim Frequency - All Carriers

Frequency = developed claims counts per 1000000 of onleveled premium adjusted for wage growth

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Trend R squared Trend R squared

Financial Trend

Policy Year Data Accident Year Data

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

Claim Frequency - Private Carrier

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

Financial Trend Financial Trend

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Frequency per Million Premium

Claim Frequency

PY Financial Data

AY Financial Data

Claim Frequency - State Insurance Fund

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

Indemnity Severity - All Carriers

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Indemnity Average Claim Severity (Policy Year)

Indemnity Average Claim Severity (Accident Year)

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

Indemnity Claim Severity

PY Financial Data

AY Financial Data

Indemnity Severity - Private Carrier

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

Financial DataIndemnity Average Claim Severity

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

Indemnity Severity - State Insurance Fund

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Medical Severity - All Carriers

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

Medical Average Claim Severity (Accident Year)

Financial DataMedical Average Claim Severity

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

Medical Claim Severity

PY Financial Data

AY Financial Data

Medical Severity - Private Carriers

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 9Trend Ananlysis

Medical Severity - State Insurance Fund

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Policy Year)Medical Average Claim Severity

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Compiled 42009 October 2009 Revisionby the NYCIRB Exhibit EE

Sheet 10

TREND STUDY

Analysis of New York Average Wage Trends

New York Average Weekly Wage

Actual Exponential Linear

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

Projected Average Annual Change 582 568

R Squared 0990 0983

Average weekly wages from N Y Department of Labor for all industries

Fitted Regression LinesExperience Period

Compiled 5409 October 2009 Revisionby the NYCIRB Appendix A

Determination of New York State Assessment

I Calculation of Indemnity Portion of Total Losses

Projected Incurred Losses for Policies Incepting 10109 - 10110 Ratio Indemnity $1341305595 x (1021 ^ 275) $1420196791 0495 Medical $1259540785 x (1053 ^ 275) $1451744722 0505

$2871941512 1000 Note 2007 Policy year on-level developed losses are from Exhibit B and have been projected using the loss trend from Exhibit D

II Determination of New York State Assessment

In general assessments as a percentage of premium are calculated as (assessmentslosses) x (expected lossespremium) However the 1993 legislation treats the policyholder surcharge as premium for tax purposes so that expected losses must become expected losses plus tax The current pure expected losses derived from 2007 expense data are0761 1184 (LAE) = 0643 The loading for tax results in 0643 (1-0028) = 0662

A further adjustment is made to reflect the impact of the reforms on the assessment premium baseSince the premium base will be lower as a result of the reforms and the fact that the assessments tothe carriers have been calculated by the Workers Compensation Board on the basis of pre-reformdata the assessment percentage must increase so that the same dollars of assessment that havebeen charged to the carriers are collected from the policyholders Since the estimated impact of thereform was -150 a factor of 850 is used to adjust the final premium percentage

Actual Assmnt New YorkTo Carriers State Assessment

as of of Std Prem Assessment Indemnity Loss (1) x 0495 x 0662 085

(1) (2)

Workers Comp Board 0066 0025

Reopened Case Fund (WCL 25-a) 0074 0029

Special Disability Fund (WCL 15-8) 0206 0079

Interdepartmental Exp 0020 0008

Special Funds Cons Comm 0003 0001

Total - All Assessments 0369 0142

Assessments as percentages of Indemnity loss have been obtained from the Workers Compensation Board and the Special Funds Conservation Committee

Compiled 41509 October 2009 FilingBy the NYCIRB Appendix B

Effect on Manual Rates Statewide Territory 1 Territory 2 Territory 3

1 Estimated 1008 - 1009 Construction AWW $1132 $1314 $1085 $873

2 Ratio of Cap Amount to Construction AWW --- 0685 0830 1030

3 Ratio R to Enter Wage Distribution Table --- 069 083 103

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

9 Indicated Off-Balance at $900 Cap (8)-(6)x100 301 373 286 191

10 Off-Set for Effect of Cap on P Y 02 03 0405 amp06 data 0297 0370 0290 0178

11 Adjusted Indicated Off-Balance at $900 Cap SW = (9)[10-(9)(10)] Terr = [Terr(9) SW (9))SW (11)] 04 05 04 03

12 Proposed Off-Balance at $900 Cap 04 05 04 03

13 Current Off-Balance at $825 Cap 29 34 29 20

14 Percentage Change in Off-Balance -24 -28 -24 -17(1+(12)(1+13)-10

Territory 1 Counties of Bronx Kings ManhattanQueens Richmond

Territory 2 Counties of Dutchess Nassau Orange Putnam Rockland Suffolk Westchester

Territory 3 All Other Counties

CONSTRUCTION CLASSIFICATION PAYROLL LIMITATIONSConstruction Payroll Limitation Law

Eff 1012009

$900 Limitation

STATE OF NEW YORK INSURANCE DEPARTMENT

25 BEAVER STREET NEW YORK NEW YORK 10004

David A Paterson Governor

Kermitt J Brooks Acting Superintendent

July 152009

Mr Monte Almer President New York Compensation Insurance Rating Board 200 East 42nd Street New York NY 10017

Dear Mr Almer

This letter acknowledges receipt ofNYCIRBs amended loss cost filing of JuJy 152009 (the Loss Cost Filing) Please be advised that the Loss Cost Filing is hereby approved with an effective date of October 12009

Best Regards

Acting Superitendent

htlplwwwinsstatenyus

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

NYSTATE ASSMNT App A

Payroll Cap App B

copy 2009 New York Compensation Insurance Rating Board

All rights reserved No portion of this filing may be reproduced by any means or stored in a retrieval system for subsequent reproduction without the written permission of the New York Compensation Insurance Rating Board

on PPD losses

12 Total Change

14 Effective Date

NYCIRB

List of Exhibits

Principal Exhibits

Supporting Exhibits

Appendices

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

on PPD losses

12 Total Change

14 Effective Date

NYCIRB

List of Exhibits

Principal Exhibits

Supporting Exhibits

Appendices

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

on PPD losses

12 Total Change

14 Effective Date

NYCIRB

List of Exhibits

Principal Exhibits

Supporting Exhibits

Appendices

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

on PPD losses

12 Total Change

14 Effective Date

NYCIRB

List of Exhibits

Principal Exhibits

Supporting Exhibits

Appendices

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

on PPD losses

12 Total Change

14 Effective Date

NYCIRB

List of Exhibits

Principal Exhibits

Supporting Exhibits

Appendices

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

12 Total Change

14 Effective Date

NYCIRB

List of Exhibits

Principal Exhibits

Supporting Exhibits

Appendices

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

12 Total Change

14 Effective Date

NYCIRB

List of Exhibits

Principal Exhibits

Supporting Exhibits

Appendices

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

12 Total Change

14 Effective Date

NYCIRB

List of Exhibits

Principal Exhibits

Supporting Exhibits

Appendices

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

12 Total Change

14 Effective Date

NYCIRB

List of Exhibits

Principal Exhibits

Supporting Exhibits

Appendices

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

12 Total Change

14 Effective Date

NYCIRB

List of Exhibits

Principal Exhibits

Supporting Exhibits

Appendices

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

12 Total Change

14 Effective Date

NYCIRB

List of Exhibits

Principal Exhibits

Supporting Exhibits

Appendices

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

NYCIRB

List of Exhibits

Principal Exhibits

Supporting Exhibits

Appendices

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

(1) (2) (3) (4) (5) (6)

[Col (5) (5)(6)] + [Col (6) (5)(6)]

See Exhibit D

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0969 0969 0753

OS 100107 0839 0839 0031 0026NR 100107 0809 0809 0000 0000NR 100108 0926 0749

(1) (2) (3) (4) (5)

NR 100105 Base 1000 0281 0281 0854

OS 100107 0839 0839 0469 0393NR 100107 0809 0809 0250 0202NR 100108 0926 0749

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

(1) (2) (3) (4) (5)

010106 Base 1000 0678 0678 0876

031307 0563 0563 0197 0111070107 1285 0724 0125 0090070108 1035 0749 0000 0000070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0019 0019 1076

031307 0563 0563 0106 0059070107 1285 0724 0750 0543070108 1035 0749 0125 0094070109 1028 0770

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

(1) (2) (3) (4) (5)

010106 Base 1000 0969 0969 0984

100107 0983 0983 0031 00310999

(1) (2) (3) (4) (5)

010106 Base 1000 0281 0281 0995

100107 0983 0983 0719 07070988

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Amended

(8) Medical Weight 04800 04800 04800

(10) Weights 045 010 045 10212

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

1994 55438878 1195 66249459 850928986 0078 1995 55086302 1101 60650019 891603881 00681995 50115197 1213 60789734 824140888 0074 1996 48292999 1109 53556936 766877699 00701996 49721398 1228 61057877 769948363 0079 1997 53277017 1114 59350597 851941576 00701997 54759253 1246 68230029 836342714 0082 1998 57487063 1120 64385511 918625023 00701998 60653092 1265 76726161 954393247 0080 1999 65194625 1133 73865510 1052380782 00701999 68213729 1297 88473207 1026430593 0086 2000 69004842 1160 80045617 1094023075 00732000 70791269 1338 94718718 1026119637 0092 2001 69526317 1198 83292528 1013075292 00822001 65147506 1391 90620181 929806723 0097 2002 65330646 1248 81532646 1009230672 00812002 65367230 1466 95828359 991040343 0097 2003 61309813 1318 80806334 1012124308 00802003 59759506 1572 93941943 942951681 0100 2004 55376825 1425 78911976 896321632 00882004 53348440 1743 92986331 845883872 0110 2005 50726153 1604 81364749 901994084 00902005 50002470 2013 100654972 864387679 0116 2006 48385947 1934 93578421 932730030 01002006 43325148 2591 112255458 898369956 0125 2007 38314408 2789 106858884 1 053204233 01012007 31395686 4392 137889853 1097219075 0126 2008 15308272 8108 124119979 1 174365727 0106

Average 2003-2007 0115 Average 2004-2008 0097

Average 2005-2007 0122 Average 2006-2008 0102

(1) (2) (3) (4) (5)

1995 9558603000 1033949000 00075 069 00801996 11140964000 1272801000 00075 069 00841997 10772792000 1047294000 00075 067 00701998 12240243000 1772564000 00100 066 01021999 12190030000 1191923000 00100 066 00712000 13036758000 1271399000 00080 066 00702001 16499675000 1572009000 00080 066 00682002 19625724000 1733224000 00080 063 00612003 20131432000 1503135000 00070 064 00522004 21158156700 1891204800 00040 064 00602005 21516206058 1986173553 00070 065 00652006 19786622352 1948192140 00080 065 00692007 18513969963 1746118572 00090 067 00692008 22161623000 1960693000 00090 067 0065

5 Year Average 0078

3 Year Average 0081

Total LAE 0184

Current LAE 0175

Change in LAE 10088

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 1

[(4)-1]x(5)

Base - 1000 0281 00

July 1 2010 $685 20 1020 0688 14

July 1 2011 $699 03 1023 0031 01

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Total Indemnity $1483464034 34 $1533813276

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Total Indemnity $1533813276 05 $1541176373

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 4

1 HCRA Surcharge 4109 ‐ 123111 00963

2 HCRA Surcharge 1106 ‐33109 00895

NY Dept of Health

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

classes)

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 1

2004 $85186690 $55100362 1533FoodampBev Mfg 2005 $78129747 $54394835 1410

2006 $70198157 $54293299 1255

Total $233514594 $163788496 0701 4198 0094 0729 0998 1009 1007

2004 $25100729 $15302548 437Chemical Mfg 2005 $24730869 $16619055 449

2006 $32967866 $19844253 406

Total $82799463 $51765856 0625 1292 0043 0728 0996 1013 1009

2004 $298026942 $229669722 5560All Other Mfg 2005 $295399114 $222937716 4980

2006 $325243964 $229080502 4600

Total $918670021 $681687940 0742 15140 0220 0734 1005 0995 1000

2004 $711152724 $595812605 6467Contracting 2005 $748469848 $559652532 6342

2006 $736799028 $718813678 6377

Total $2196421599 $1874278816 0853 19186 0258 0764 1045 1004 1049

2006 $388658218 $245313333 6058

Total $1112168271 $748941637 0673 18742 0254 0717 0982 1013 0994

2004 $634651210 $435464786 10281ProfampOffice 2005 $665110802 $396412233 8678

2006 $711272380 $406573015 8296

Total $2011034392 $1238450034 0616 27255 0326 0694 0950 0990 0941

2004 $982551133 $730457915 17232Services 2005 $946231210 $743751031 16357

2006 $1064405288 $717663117 15972

Total $2993187631 $2191872062 0732 49561 0486 0732 1002 1001 1004

2004 $184085881 $138418969 3651Miscellaneous 2005 $198603337 $168749299 3626

2006 $189756590 $159694182 3375

Total $572445808 $466862451 0816 10652 0174 0747 1022 0985 1007

2004 $9170466 $4320473 107MarAdm Fed 2005 $8466897 $4779928 109

2006 $19241818 $11165867 167

Total $36879181 $20266267 0550 383 0019 0729 0997 1018 1015

2004 $3288924219 $2451827837 51610All Ind Groups 2005 $3329653433 $2423644475 48293

2006 $3538543308 $2562441247 46506

Total $10157120960 $7437913560 0732 146409 1000 0731 1000 1000 1000

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

(1) (2) (3) (4) (5) (6)

1 $88808312 $74980183 $163788496 1039 103102 $27574212 $24191645 $51765856 1036 103793 $362704792 $318983148 $681687940 1053 099984 $1230932579 $643346237 $1874278816 1031 104935 $380557022 $368384615 $748941637 1038 103286 $624666672 $613783362 $1238450034 1059 098737 $1150554809 $1041317254 $2191872062 1047 101278 $238681705 $228180746 $466862451 1063 097879 $10963604 $9302664 $20266267 1030 10503

Total $4115443707 $3322469852 $7437913560 1052 09351

(9) (10) (11)

1 09790 1009

2 09831 1013

3 09654 0995

4 09743 1004

5 09832 1013

6 09610 0990

7 09720 1001

8 09564 0985

9 09880 1018

Total 09706 1000

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

(1) (2) (3) (4)

2788066759 2951648212 2952896901 3012130380

- US(e) 1015 098832 10264 09079 09517 US(e) 1015 098832 10264 09079 09517

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Industry Group

Percentage Change

Total of

Classes

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

TOTAL +46 180 10 372 562

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

2 Chemical Mfg

3 All Other Mfg

4 Contracting

7 Services

8 Miscellaneous

0908 2818 4583 5462 6306 7231 8215 8382 0909 3081 5037 5473 6319 7242 8227 8385 1439 3129 5057 5507 6400 7538 8235 9029 2380 3385 5069 5545 6872 7601 8265 9044 2388 4279 5102 5547 7016 8021 8291 9539 2640 4420 5222 5648 7024 8031 8292 9552 2790 4561 5428 5954 7047 8033 8381

8833 8854 8864

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 2D

INDEMNITY MEDICAL

14 Average ((11)+(12)+(13))3 1958243 17126426

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 1

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 2

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 2A

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 2B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 2C

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 2D

INDEMNITY MEDICAL

14 Average (11) through (14) -511517 2868131

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

2000 17069

2001 14383

2002 13986

2003 12980

2004 12636 12644

2005 12196 12353

2006 12407 11868

2007 12049 11795

2008 11466

Financial Trend

2003‐2007 ‐17 0806 2004‐2008 ‐24 0964

2000‐2007 ‐42 0775

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

2000 19904

2001 16873

2002 15893

2003 14497

2004 13893 14044

2005 13234 13614

2006 13542 12571

2007 13363 12726

2008 12634

2003‐2007 ‐19 0667 2004‐2008 ‐28 0768

2000‐2007 ‐52 0799

101112131415161718192021

2000 2001 2002 2003 2004 2005 2006 2007 2008

Claim Frequency

PY Financial Data

AY Financial Data

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

2000 13233

2001 11337

2002 11779

2003 11285

2004 11331 11199

2005 11095 11075

2006 11164 11071

2007 10483 10721

2008 10084

2003‐2007 ‐16 0670 2004‐2008 ‐24 0812

2000‐2007 ‐22 0650

2000 2001 2002 2003 2004 2005 2006 2007 2008

cy Per M

illion Premium

Claim Frequency

PY Financial Data

AY Financial Data

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

2000 19662 2001 21585 2002 22967 2003 24246 2004 25513 25434 2005 25377 26429 2006 26854 26616 2007 28671 28571 2008 31035

2003‐2007 39 0905 2004‐2008 49 0901

2000‐2007 50 0969

Financial Data

2000 2001 2002 2003 2004 2005 2006 2007 2008

Indemnity Claim

Severity

PY Financial Data

AY Financial Data

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

2000 17598 2001 19431 2002 20491 2003 22097 2004 22368 23074 2005 23274 24076 2006 23300 24201 2007 25874 25898 2008 28135

2003‐2007 36 0808 2004‐2008 48 0903

2000‐2007 49 0946

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 6

Trend Analysis

2000 23865 2001 25506 2002 26834 2003 27330 2004 29489 28490 2005 28068 29358 2006 31579 29726 2007 32919 32233 2008 35336

2003‐2007 45 0798 2004‐2008 54 0887

2000‐2007 43 0922

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

nity Claim

Severity

PY Financial Data

AY Financial Data

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

2000 13550 2001 16338 2002 17513 2003 19256 2004 19352 20833 2005 21385 20721 2006 22263 23203 2007 25341 24911 2008 26858

2003‐2007 71 0910 2004‐2008 72 0942

2000‐2007 81 0965

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

2000 13607 2001 16435 2002 18504 2003 20651 2004 20700 23213 2005 23256 22404 2006 23307 26297 2007 26742 26438 2008 29770

2003‐2007 66 0877 2004‐2008 69 0853

2000‐2007 89 0961

(Policy Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Med

ical Claim

Severity

PY Financial Data

AY Financial Data

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

2000 13433 2001 16162 2002 15964 2003 17255 2004 17636 17752 2005 19016 18626 2006 20877 19220 2007 23214 22818 2008 22537

2003‐2007 79 0942 2004‐2008 70 0871

2000‐2007 70 0937

(Accident Year)

2000 2001 2002 2003 2004 2005 2006 2007 2008

All Medical Claim

Severity

PY Financial Data

AY Financial Data

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Sheet 10

TREND STUDY

2003 90895 90438 90056

2004 96064 95697 95824

2005 99887 101262 101591

2006 106689 107151 107359

2007 114421 113382 113127

R Squared 0990 0983

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

(1) (2)

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

4 Table A Value --- 0317275 0443991 0601612

5 1-A Value --- 0682725 0556009 0398388

6 R x ( 1-A) --- 0471080 0461487 0410340

7 Table B Value --- 015598 0252152 0398249

8 1-B Value --- 084402 0747848 0601751

Eff 1012009

$900 Limitation

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

July 152009

Dear Mr Almer

Best Regards

Exh D 1

Exh D 2

Exh D 3

Exh G 1

Exh G 2

Exh G 3

Exh G 4

Exhibit H

Exh I 1

Exh I 2

Exh BB 1

Exh BB 2

Exh BB 2A

Exh BB 2B

Exh BB 2C

Exh BB 2D

Exh CC 1

Exh CC 2

Exh CC 2A

Exh DD 1

Exh DD 2

Exh DD 2A

Exh DD 2B

Exh DD 2C

Exh DD 2D

Exh EE 1

Exh EE 2

Exh EE 3

Exh EE 4

Exh EE 5

Exh EE 6

Exh EE 7

Exh EE 8

Exh EE 9

Exh EE 10

Payroll Cap App B

Documents

2009 Loss Cost Revision Effective October 1, 2009 · The Rating Board submitted the 2009 General Loss Cost Revision to the New York State Insurance Department on May 15, 2009 requesting