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DocuSign Envelope ID: 313DA256 -1EDE- 4396- A716- 4C53B809027E <br />Mod Analysis for HM Kern Corporation <br />Loss Analysis by Policy l= leriod <br />This analysis shows the actual versus expected losses for each policy period in the mod. This data is important in identifying trends <br />which may help you predict, generally, the direction of your mod in the future. As unfavorable policy periods -- those with actual <br />losses higher than expected — age out of the mod calculation, you can expect your mod to improve if your new loss experience <br />shows actual losses less than expected. This is an achievable goal through specific loss control practices Your' broker advises. To view <br />losses by policy year, see the Lass Anolysis by Policy Year report. <br />} I a,41tJ0 <br />$1!i,4lfll l <br />o }9,000 <br />J <br />1,uoll <br />In <br />7 /,JJz {1]4 <br />Actual vs. Expected Losses by Policy Period <br />`1 /I /'IJ1�1 <br />�n <br />iIIL <br />Policy Period <br />In <br />!/ tJ2l116 <br />I uuiYr�I�rNIJu'.Ir,l Ir ��r., -, <br />7/1/2013 to 7/1/2014 $0 $16,866 <br />7/1/201410 7/1/2015 $0 $16,932 <br />7/1/2015 to 711/2016 $0 $19,591 <br />Ivodm'Ner Mud A11,711"I.. III -ought to you by SIA Groulr (J:ICksnnviII :i • n;r I <br />JIM lo:m C❑rInnotiun NCRB <br />Mod McCOVI, 0.11 7/1/2017 <br />