Compensation Advisory Organization of Michigan (CAOM)

Rates This section provides contact information for the Compensation Advisory Organization of Michigan (CAOM), the organization that calculates the experience modification factors and administers the Assigned Risk Pool. Additional information in this section include a list of authorized Michigan insurance carriers, policies distributed by code, and Assigned Risk Pool rates.

. Compensation Advisory Organization of Michigan (CAOM) Mailing Address: Location: P.O. Box 337 Livonia, MI 48151-3337 17197 North Laurel Park Drive Suite 311 Livonia, Michigan 48152-2686 Phone: (734) 462-9600 Fax: (734) 462-9721 Internet Address: http://www.caom.com Although legislatively mandated, CAOM is not a state agency. It serves as the Data Collection Agency for Michigan s workers compensation system and promulgates experience modification factors for insurance carriers. The Michigan Placement Facility (Assigned Risk) is located in the same agency. You may request your experience rating information (modification factor and loss information) directly from CAOM; however, your insurance agent should be providing this information to you. 01/2010

MICHIGAN INSURERS Sorted by Groups Accident Fund Ins. Cos. of America ACE-USA Accident Fund National Ins. Co. Accident Fund General Ins. Co. Accident Fund Ins. Co. of America United Wisconsin ACE American Ins. Co. ACE Fire Underwriters Ins. Co. ACE Property & Casualty Ins. Co. Bankers Standard Ins. Co. Indemnity Ins. Co. of North America Insurance Company of North America Pacific Employers Ins. ACIG Insurance. Co. Acuity, A Mutual Insurance Co. Allied Group Allied Property &Casualty Ins. Co. AMCO Ins. Co. American Alternative Ins. Co AAIC American Compensation Ins. Co. (RTW) American Int. Group (AIG) Amerisure AIG Casualty American Home Assurance Co. Birmingham Fire Ins. Co. of PA Commerce & Industry Ins. Co. Granite State Ins. Co. Illinois National Ins. Co. Ins. Co. of State of PA New Hampshire Ins. Co. Natl. Union Fire Ins. Co. of Pittsburgh Amerisure Ins. Co. Amerisure Mutual Ins. Co. Arch Insurance Co. Argonaut Auto-Owners Ins. Co. Argonaut Great Central Ins. Co. Argonaut Ins. Co. Argonaut-Midwest Auto-Owners Ins. Co. Home-Owners Ins. Co.

BancInsure, Inc. Bloomington Compensation Brotherhood Mutual Ins. Co. Central Ins. Cos. Central Mutual Ins. Co. All America Ins. Co. Cherokee Ins. Co. Chubb Chubb Indemnity Ins. Co. Federal Ins. Co. Great Northern Ins. Co. Pacific Indemnity Co. Vigilant Ins. Co. Church Mutual Cincinnati Clarendon National Ins. CNA Cincinnati Casualty Co. Cincinnati Indemnity Co. Cincinnati Ins. Co. American Casualty of Reading, PA Continental Casualty Co. Continental Ins. Co. National Fire Ins. of Hartford Transportation Ins. Co. Valley Forge Ins. Co. Continental Indemnity Co. Crum & Forster Crum & Forster Indemnity Co. North River Ins. Co. United States Fire Ins. Co. Delos, Inc. Discover Re Fidelity and Guaranty Ins. Co. Fidelity & Guaranty Ins. Underwriters Discover Property & Casualty Ins. Co. United States Fidelity and Guaranty Co. Electric Insurance Co. EMC Insurance Cos. Employers Mutual Casualty Co. EMCASCO Ins. Co. Everest National Ins. Co. Fairfield Ins. Co.

Farm Bureau Farmers Group Farm Bureau General Ins. Co. of MI Farm Bureau Mutual of MI Farmers Ins. Exchange Truck Ins. Exchange Mid-Century Ins. Co. Farmland FCCI Insurance Group Federated Ins. Co. Nationwide Agribusiness Farmland Mutual FCCI Ins. Co. Monroe Guaranty Ins. Co. National Trust Federated Mutual Ins. Co. Federated Service Ins. Co. Federated Rural Electric Ins. Exchange Fireman s Fund Ins. Cos. American Automobile Ins. Co. American Ins. Co. Associated Indemnity Corp. Fireman s Fund Ins. Co. National Surety Corp. Florists Mutual Ins. Co. Frankenmuth Financial Group Frankenmuth Mutual Ins. Co. Ansur America Insurance Co. Fremont Mutual Ins. Co. General Casualty Genesis Regent Ins. Co. General Casualty Co. of WI Fairfield Ins. Co. Grange Ins. Co. of Michigan Great American Ins. Cos. Great American Alliance Ins. Co. Great American Assurance Co. Great American Ins. Co. of New York. Great American Ins. Co. Great Midwest Ins. Co. Greater New York Mutual Ins. Co. Great West Casualty

Guard Insurance Group AmGUARD Ins. Co. EastGUARD Ins. Co. NorGUARD Ins. Co. GuideOne Mutual Ins. Co. Hanover Insurance Group Citizens Ins. Co. of America Citizens Ins. Co. of the Midwest Citizens Ins. Co. of Ohio Hanover Ins. Co. Massachusetts Bay Harco National Ins. Co. Harleysville Lake States Harleysville Ins. Co. Harleysville Lake States Ins. Co. Harleysville Mutual Harleysville Preferred Harleysville Worcester Hartford Hartford Accident & Indemnity Hartford Casualty Ins. Co. Hartford Fire Ins. Co. Hartford Ins. Co. of the Midwest Hartford Underwriters Inc. Co. Sentinel Ins. Co. Twin City Fire Ins. Co. Hastings Mutual ILM Group Liberty Mutual Indiana Lumbermen s Mutual National Building Materials Assurance Lone Start National Ins. Co. LM Ins. Corp. Liberty Ins. Corp Liberty Mutual Fire Ins. Co. Liberty Mutual Ins. Co. The First Liberty Ins. Corp. Lumbermen s Underwriting Allliance MEMIC Indemnity Co. Meadowbrook Star Ins. Co. Williamsburg National Ins. Co. Merchants Insurance Group Merchants Mutual Insurance Co.

Meridian Mutual Meridian Citizens Mutual Ins. Co. Meridian Security Ins. Co. Michigan Ins. Corp. of America Merchants Mutual Michigan Construction Industry Mutual Michigan Ins. Co. Michigan Millers Mutual Ins. Co. Midwest Employers Casualty Co. Mitsui Sumitomo Group Mitsui Sumitomo Ins. Co of America Mitsui Sumitomo Ins. USA National American Ins. Co. National Interstate Ins. Co. Nationwide Insurance Nationwide Mutual Ins. Co. Nationwide Mutual Fire Ins. Co. Nationwide Property & Casualty North Pointe Ins. Co. One Beacon Insurance Group Employers Fire Ins. Co. One Beacon America Ohio Casualty Old Republic American Fire & Casualty Co. Ohio Casualty Ins. Co. Ohio Security Ins. Co. West American Ins. Co. Bituminous Casualty Corp. Bituminous Fire & Marine Ins. Co. Old Republic Partners Mutual Ins. Co. Pharmacists Mutual Co. Preferred Professionals Ins. Co. Providence Property & Casualty Ins. Co.

Retailers Mutual Ins. Co. SAFECO General Ins. Co. of America American Economy Ins. Co. American States Ins. Co. First National Ins. Co. of America St. Paul Travelers Travelers Indemnity Co. Travelers Property Cas. Co. of America Farmington Casualty Company Charter Oak Fire Ins. Co. Travelers Indemnity Co. of America Travelers Indemnity Co. of Connecticut Phoenix Ins. Co. NIPPONKOA Ins. Co. Travelers Casualty & Surety Co. Travelers Commercial Casualty Co. St. Paul Fire & Marine Ins. Co. St. Paul Mercury Ins. Co. St. Paul Guardian Ins. Co. Athena Assurance Co. St. Paul Protective Ins. Co. Secura Ins., A Mutual Co. Selective Ins. Cos. Sentry Selective Ins. Co. of South Carolina Selective Ins. Co. of the Southeast Selective Way Ins. Co. Middlesex Ins. Co. Patriot General Ins. Co. Sentry Ins. A Mutual Co. Sentry Select Ins. Co. Sompo Japan Ins. Co. of America Southern Insurance Co. State Auto State Farm Fire & Casualty Meridian Security State Auto Property & Casualty State Automobile Mutual Ins. Co. State Farm Fire and Casualty Co. SUA Insurance Co. T.H.E. Insurance Co. Technology Ins. Co.

Tokio Marine & Fire Group Transguard Ins. Co. of America, Inc. Ulico Ins. Group Tokio-Marine & Fire Ins. Co. Ltd. Trans Pacific Ins. Co. Ulico Casualty Company Universal Underwriters Group Vanliner Virginia Surety Wausau Westfield XL Specialty Ins. Co. Employers Ins. of Wausau Wausau Business Ins. Co. Wausau Underwriters Ins. Co. Westfield Ins. Co. Westfield National Ins. Co. Ohio Farmers Ins. Co. Greenwich Insurance Co. XL Insurance America XL Specialty Zurich American American Guarantee & Liability Co. American Zurich Ins. Co. Assurance Co. of America Maryland Casualty Co. Northern Ins. Co. of New York Universal Underwriters Inc. Co. Zurich American Ins. Co. Zurich American Ins. Co. of Illinois Workers Compensation Placement Facility (Assigned Risk Pool) Service Providers: Effective 08/01/2008 Amerisure Mutual Ins. Co. Liberty Mutual Ins. Co. St. Paul Travelers 1/4/2010

Distribution of Policies by Manual Rates 2008 Source of Data: Compensation Advisory Organization of Michigan April 1, 2009 Class Code Number of Your Class Description Policies High Rate Rate Low Rate 42 Landscape Gardening 2,933 11.42 4.12 0129 Farm: Dairy or Livestock 1,335 14.81 3.42 2003 Bakery 433 8.93 2.3 2790 Pattern/Shoe Mfg. 273 4.27 1.51 2812 Cabinet Mfg. 452 9.32 2.93 2881 Wooden Goods Assembly 252 7.81 1.74 3076 Metal Goods Assembly 450 7.80 2.43 3096 Tool Mfg. 543 5.93 2.11 3113 Tool Mfg-NOC 265 6.00 2.24 3116 Tool Mfg Dies Jigs Fixtures 352 6.41 1.63 3146 Hardware Mfg.-NOC 255 8.76 2.33 3179 Electrical App Mfg.-NOC 345 5.85 1.88 3257 Wire Goods Mfg. 106 6.28 1.85 3400 Metal Goods Mfg.-NOC 242 11.63 2.31 3612 Auto Jack Mfg 141 6.21 1.82 3628 Machinery Mfg.-NOC 601 8.31 2.12 3629 Machine Parts Mfg.-NOC 977 6.31 1.73 3632 Machine Shop-NOC 1,036 9.15 2.14 3681 Tele/Elect Apparatus Mfg. 167 4.91 1.42 3685 Instrument Mfg.-NOC 244 3.72 0.84 3724 Apparatus Installation 1,000 19.58 3.58 3807 Automobile Radiator Mfg 9 9.36 1.86 3808 Automobile Mfg. or Assembly 73 12.33 2.76 4239 Paper Mfg. 29 7.35 3.05 4299 Printing 901 4.15 1.32 4410 Rubber Goods Mfg 117 11.86 2.99 4459 Plastics Mfg. - Basic 143 8.30 2.56 4484 Molded Plastics Mfg. 466 10.34 2.79 4511 Analytical Chemist 1,547 3.28.49 4611 Drug & Rx Preparation 81 2.79.98 4825 Acetylene Gas Mfg. 48 2.46.49 4829 Chemical Mfg.-NOC 48 2.13.88 5022 Masonry Erection 1,089 20.66 6.86 5183 Plumbing Installation & Service 2,420 10.55 3.24 5190 Electrical Wring Installation 2,402 6.15 2.17 5191 Office Machine Installation 1,778 2.85.89 5221 Concrete Work Floors 2,221 11.27 4.29 5437 Carpentry-Finish work 3,019 13.76 4.96 5445 Wallboard Installation 992 13.24 4.32 5476 Painting/Papering 1,915 17.38 5.75 5538 Sheet metal Wkr Erection-NOC 721 14.08 5.36 5550 Heating & AC Installation 1,261 8.88 3.61 5606 Exec Supervisor Contractor 2,670 6.61 1.36 5645 Carpentry-Detached 5,309 22.27 6.79 6217 Excavation-NOC 1,847 20.31 5.14 6504 Baking Powder Mfg 121 10.04 1.25 7208 Truck Drivers 834 17.69 6.16 7219 Trucking NOC-No Drivers 434 24.83 5.11 7380 Drivers NOC 9,706 12.20 2.87 7403 Aircraft Operation 40 7.49 3.73 7405 Aircraft Operation: Flying Crew 24 1.02.42 7600 Telephone Co. 213 9.74 2.03

Class Code Class Description Number of Policies High Rate Your Rate Low Rate 7610 Radio & Television 392 1.48.38 7720 Police Officers 496 8.83 1.58 8006 Retail Grocery 1,598 4.87 1.06 8008 Retail Clothing Store 1,045 1.88.62 8010 Hardware Store 3,172 3.64 1.11 8013 Store-Jewelry 621.97.34 8017 Retail Store-NOC 8,970 3.03.85 8018 Wholesale Store-NOC 1,209 7.09 2.10 8033 Supermarket type stores 718 4.64 1.31 8039 Store: Dept. - Retail 41 3.68.95 8044 Furniture Store 457 5.38 1.49 8045 Store: Retail: Drug 475 2.10.31 8046 Auto Parts Store 378 4.52 1.63 8106 Iron or Steel Merchant 162 15.03 3.32 8107 Machine Dealer Oil Well 366 11.59 2.62 8227 Contractor s Yard 1,774 11.58 4.18 8232 Bldg Materials Yard 528 12.21 2.74 8292 Storage Warehouse 549 12.72 3.40 8387 Auto Service Station 1,751 9.28 2.24 8393 Auto & Truck Body Shop 1,363 7.17 1.94 8395 Auto Repair Shop 5,016 9.86 2.72 8601 Surveyor/Engineer/Architect 2,167 1.79.49 8742 Outside Sales 27,327 2.01.26 8748 Auto sales Leasing 1,077 1.61.55 8755 Labor Union 306 1.87.24 8803 Auditors/Accountants 2,554.79.05 8810 Office Clerks 80,028.69.13 8820 Attorney 2,355.51.10 8829 Nursing Home 167 10.26 2.37 8831 Animal Hospital & Grooming 1,104 2.64.76 8832 Physician 10,240 1.00.20 8833 Hospital Prof. Employees 306 3.89 1.09 8835 Domestic & Nursing Service 885 8.18 1.88 8868 School & Church Prof. Employ. 8,048 1.00.25 8869 Child Care Center 702.63.29 8901 Telephone Co. Office 77.83.16 9015 Janitorial Service 14,055 17.63 2.32 9052 Hotel Other Employees 1,153 5.12.71 9053 716 5.79 2.17 9058 Food Service Workers 9,653 7.57.98 9060 Private Club Employees 788 3.83 1.25 9063 Institution & Clubs 830 3.29.72 9101 School & Church Other 2,259 6.96 1.70 Employ. 9403 Refuse Collection 124 27.37 5.72 9501 Paint Shop Only 420 8.99 2.19 9519 Household Appliance - 665 7.13 2.57 Electrical 9522 Upholstering 152 9.02 1.48 9586 Barber Beauty Parlor 1,688 1.52.44

MICHIGAN WORKERS COMPENSATION PLACEMENT FACILITY P.O. BOX 3337 LIVONIA, MI 48151-3337 PHONE: (734) 462-9600 FAX: (734) 462-9721 Internet Web Site: www.caom.com E-Mail: caom@caom.com October 1, 2009 CIRCULAR LETTER #230 TO ALL PARTICIPANTS IN THE MICHIGAN WORKERS COMPENSATION PLACEMENT FACILITY Regarding Assigned Risk Rates and Rating Values for the Michigan Workers Compensation Placement Facility - Effective 1/1/2010 Applicable to New and Renewal Policies Only Dear Member: Attached are copies of the rate sheets and rating values which will be applicable to new and renewal Assigned Risk policies having effective dates on or after January 1, 2010. There is no application to outstanding policies. Please share this rate information with agents representing your firm. These rates are now available via the Internet on our web site @ www.caom.com. The revision represents an average decrease of 4.1% in overall rate level for the residual market. The rate changes are determined by using weighted averages of 80% statewide experience and 20% Facility experience. By industry group, the changes are as follows: Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous 2.4% decrease 6.4% decrease 8.7% decrease 3.4% decrease 2.4% decrease Specific classifications within each industry class may vary from the average depending upon the volume and character of the particular classification experience.

Circular Letter # 230 Page 2 Swing limits have been applied which operate to hold individual class rates to the following maximum movement from January 1, 2009 rates. Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous from 22.6% above to 27.4% below from 18.6% above to 31.4% below from 16.3% above to 33.7% below from 21.6% above to 28.4% below from 22.6% above to 27.4% below The classifications which have been limited are: List of Classifications Limited by Upper Swing 0005 0909 2380 2587 3040 3081 3145 3257 3306 3581 3726 4131 6504 7220 8116 8264 8293 8803 9558 List of Classifications Limited by Lower Swing 3372 3827 8381 Miscellaneous Values 1. United States Longshoremen s and Harbor Workers Compensation Coverage Percentage Due to the benefit provisions of federal and state laws, the United States Longshoremen s and Harbor Workers Compensation coverage percentage applicable only in connection with Rule XI - D-3 United States Longshoremen s and Harbor Workers Act of the Basic Manual for Michigan Workers Compensation Placement Facility is 65%, applicable to new and renewal business. As a multiplier, the percentage increase is 1.65 (rate multiplied by 1.65). 2. Retrospective Rating Plan Tax Multiplier Due to the change in the Miscellaneous Tax and in the Secondary Injury Fund, the Silicosis and Dust Disease Fund, and the Occupational Safety Fund Assessment, the tax multipliers used in connection with retrospective ratings are: A. State (Non-F Classes) 1.026 B. Federal Classes, or Non-F classes where rate is increased by the USL & HW Act percentage 1.044

Circular Letter # 230 Page 3 These factors are applicable to new and renewal policies. 3. Basis of Premium Basis of Premium applicable in accordance with the footnote instructions for Code 7220 Taxicab Company - Drivers is $28,000. 4. Remuneration for Executive Officers The weekly payroll amount for corporate officers and active members of limited liability companies is $417 for the minimum weekly payroll assumption and $1,700 is the maximum. 5. Minimum Premiums The Maximum Minimum Premium is $750. The Minimum Premium multiplier is 125. Example: Manual Rate = $4.40 x 125 = $550 + $200 = $750 (Manual Rate) x (Multiplier) + (Expense Constant) = Minimum Premium The revision of rates and rating values was approved for use in the Facility and is applicable to all Facility policies with new or renewal dates of January 1, 2010 or later. Yours truly, Jerry J. Stage President

EXHIBIT III MICHIGAN WORKERS COMPENSATION AND EMPLOYERS LIABILITY Effective January 1, 2010 APPLICABLE TO ASSIGNED RISK POLICIES ONLY Page S1 CLASS MIN D CLASS MIN D CLASS MIN D CODE RATE PREM ELR RATIO CODE RATE PREM ELR RATIO CODE RATE PREM ELR RATIO 0005 6.83 750 2.43 0.23 2790 3.67 659 1.03 0.19 3634 5.35 750 1.62 0.23 0011 5.01 750 1.47 0.22 2797 6.30 750 1.85 0.22 3635 6.65 750 1.88 0.20 0034 5.94 750 1.79 0.24 2802 7.37 750 2.18 0.23 3638 5.98 750 1.63 0.17 0035 2.96 570 0.92 0.24 2812 5.10 750 1.52 0.22 3643 3.58 648 1.03 0.21 0042 9.61 750 2.72 0.19 2841 4.15 719 1.30 0.26 3648 3.73 666 1.08 0.21 0106 20.85 750 5.48 0.17 2881 3.00 575 0.93 0.24 3681 2.46 508 0.71 0.22 0128 6.06 750 1.78 0.21 2915 5.04 750 1.40 0.21 3685 1.70 413 0.50 0.23 0129 4.71 750 1.40 0.21 3004 5.40 750 1.45 0.19 3724 8.16 750 2.11 0.18 0130 5.13 750 1.55 0.24 3018 5.78 750 1.54 0.19 3726 9.39 750 2.72 0.17 0141 2.38 498 0.72 0.21 3022 7.44 750 2.23 0.22 3807 4.23 729 1.35 0.27 0908P 248.00 448 76.91 0.22 3027 5.04 750 1.53 0.25 3808 5.51 750 1.62 0.23 0909P 436.00 636 256.70 0.21 3028 8.72 750 2.51 0.21 3821 11.92 750 3.39 0.19 0912P 798.00 750 254.72 0.25 3030 12.02 750 3.13 0.17 3824 9.04 750 2.57 0.22 0913P 556.00 750 171.44 0.21 3040 11.19 750 2.96 0.19 3827 1.94 443 0.50 0.23 1005 9.23 750 2.30 0.15 3064 7.05 750 1.97 0.18 4000 11.35 750 2.92 0.17 1164 26.26 750 6.57 0.20 3066 5.67 750 1.63 0.21 4024 10.28 750 2.67 0.17 1320 5.38 750 1.37 0.17 3076 5.15 750 1.51 0.22 4034 11.59 750 3.24 0.21 1322 30.22 750 7.17 0.15 3081 8.82 750 2.90 0.22 4036 4.94 750 1.33 0.18 1438 6.07 750 1.66 0.21 3082 9.62 750 2.75 0.22 4130 6.24 750 1.85 0.22 1463 15.53 750 3.78 0.15 3085 8.35 750 2.31 0.20 4131 4.22 728 1.28 0.22 1624 5.91 750 1.56 0.16 3095 4.88 750 1.40 0.21 4150 2.14 468 0.70 0.27 1701 4.34 743 1.14 0.18 3096 4.88 750 1.40 0.21 4207 2.97 571 0.87 0.24 1748 4.90 750 1.42 0.23 3110 8.58 750 2.54 0.22 4239 6.52 750 1.79 0.21 1925 7.22 750 2.06 0.22 3111 6.24 750 1.82 0.22 4240 3.53 641 1.04 0.22 2003 7.01 750 2.08 0.24 3113 5.17 750 1.43 0.18 4243 7.54 750 2.10 0.19 2014 9.61 750 2.68 0.19 3114 9.64 750 2.75 0.19 4244 4.61 750 1.38 0.23 2016 3.45 631 1.01 0.23 3116 4.88 750 1.40 0.21 4250 6.69 750 1.92 0.23 2021 11.68 750 3.27 0.21 3131 3.45 631 0.98 0.20 4251 4.51 750 1.32 0.21 2041 8.11 750 2.36 0.22 3132 5.50 750 1.54 0.20 4253 6.78 750 2.00 0.21 2065 7.51 750 2.10 0.19 3145 5.62 750 1.87 0.22 4273 3.53 641 1.04 0.23 2070 4.50 750 1.28 0.19 3146 3.93 691 1.17 0.22 4279 4.31 739 1.30 0.24 2081 3.93 691 1.21 0.22 3169 3.51 639 1.06 0.24 4299 3.11 589 0.92 0.21 2095 5.15 750 1.47 0.21 3179 3.60 650 1.06 0.22 4304 5.50 750 1.64 0.25 2105 4.29 736 1.32 0.22 3188 4.45 750 1.28 0.22 4307 2.20 475 0.72 0.27 2110 3.77 671 1.13 0.25 3241 13.49 750 3.73 0.21 4351 2.28 485 0.63 0.18 2111 3.50 638 1.00 0.21 3257 5.62 750 2.37 0.20 4360 1.98 448 0.57 0.20 2121 4.33 741 1.22 0.19 3303 5.47 750 1.51 0.20 4361 1.91 439 0.54 0.23 2131 6.32 750 1.74 0.20 3306 8.43 750 2.39 0.18 4410 4.97 750 1.46 0.22 2143 3.97 696 1.16 0.21 3307 6.89 750 1.98 0.20 4452 5.72 750 1.70 0.23 2157 9.36 750 2.82 0.23 3315 5.54 750 1.60 0.21 4459 5.35 750 1.55 0.21 2380 11.87 750 3.37 0.19 3341 4.45 750 1.37 0.27 4470 3.77 671 1.14 0.24 2501 4.60 750 1.40 0.24 3365 8.55 750 2.37 0.19 4484 5.74 750 1.69 0.22 2503 2.56 520 0.81 0.26 3372 5.43 750 1.41 0.21 4511 1.17 346 0.35 0.22 2576 5.91 750 1.84 0.24 3383 2.66 533 0.82 0.25 4557 3.28 610 0.92 0.19 2585 4.78 750 1.52 0.25 3400 4.55 750 1.29 0.20 4558 2.94 568 0.88 0.23 2586 3.94 693 1.28 0.26 3507 4.74 750 1.35 0.20 4568 4.17 721 1.06 0.16 2587 5.33 750 1.83 0.19 3548 3.43 629 1.00 0.20 4583 7.67 750 1.97 0.18 2623 6.67 750 2.05 0.25 3559 5.65 750 1.52 0.17 4611 1.56 395 0.46 0.22 2660 3.83 679 1.20 0.27 3574 2.83 554 0.84 0.23 4692 1.21 351 0.39 0.27 2683 4.60 750 1.36 0.23 3581 3.70 663 1.21 0.26 4693 1.51 389 0.44 0.22 2688 6.64 750 2.00 0.23 3612 3.93 691 1.11 0.22 4712 4.72 750 1.32 0.18 2702 32.32 750 8.07 0.16 3620 6.55 750 1.73 0.17 4720 2.63 529 0.79 0.23 2709 32.32 750 8.07 0.16 3628 5.82 750 1.60 0.19 4825 1.06 333 0.32 0.23 2731 10.41 750 2.96 0.23 3629 4.72 750 1.36 0.21 4828 1.41 376 0.38 0.17 2759 8.89 750 2.59 0.22 3632 5.11 750 1.49 0.22 4829 1.41 376 0.36 0.17 * Refer to the Footnotes Page for additional information on this class code. 09/2009

EXHIBIT III MICHIGAN WORKERS COMPENSATION AND EMPLOYERS LIABILITY Effective January 1, 2010 APPLICABLE TO ASSIGNED RISK POLICIES ONLY Page S2 CLASS MIN D CLASS MIN D CLASS MIN D CODE RATE PREM ELR RATIO CODE RATE PREM ELR RATIO CODE RATE PREM ELR RATIO 4902 3.14 593 1.02 0.28 6826F 9.87 750 3.65 0.20 7538 6.52 750 1.53 0.14 4923 2.38 498 0.67 0.21 6834 4.89 750 1.41 0.22 7539 2.36 495 0.62 0.17 5020 8.48 750 2.29 0.17 6836 5.98 750 1.76 0.22 7540 5.12 750 1.26 0.15 5022 14.95 750 3.71 0.15 6843F 11.23 750 3.88 0.17 7580 3.55 644 1.00 0.19 5038a* a a a a 6845F 16.66 750 5.62 0.18 7600 4.70 750 1.31 0.19 5040 51.77 750 12.02 0.15 6872F 14.04 750 4.83 0.17 7610 0.88 310 0.23 0.20 5057 13.99 750 3.42 0.16 6874F 24.59 750 8.22 0.17 7704 7.21 750 2.05 0.22 5059 67.14 750 15.23 0.14 7016M 17.41 750 2.04 0.17 7720* 2.94 568 0.91 0.24 5102 10.17 750 2.56 0.15 7024M 19.35 750 4.83 0.17 7904 14.57 750 3.93 0.21 5146 10.73 750 2.89 0.18 7038M 11.17 750 5.31 0.16 7920 0.43 254 0.13 0.22 5160 5.66 750 1.34 0.13 7046M 11.33 750 3.78 0.22 7979 2.00 450 0.58 0.18 5183 6.78 750 1.81 0.17 7047M 24.42 750 3.07 0.17 7980 5.84 750 1.65 0.20 5188 5.67 750 1.53 0.17 7050M 15.66 750 6.92 0.16 8001 3.60 650 1.14 0.25 5190 4.58 750 1.24 0.18 7090M 12.41 750 3.17 0.16 8006 2.28 485 0.72 0.23 5191 1.92 440 0.57 0.19 7098M 12.59 750 3.64 0.22 8008 1.49 386 0.48 0.25 5192 5.14 750 1.60 0.22 7099M 15.88 750 3.83 0.22 8010 2.60 525 0.77 0.21 5213 17.30 750 4.27 0.15 7151M 12.57 750 3.53 0.15 8013 0.68 285 0.20 0.20 5215 16.36 750 4.43 0.17 7152M 17.58 750 2.26 0.15 8015 0.94 318 0.29 0.22 5221 8.33 750 2.24 0.17 7153M 13.97 750 3.55 0.15 8017 1.97 446 0.62 0.24 5222 21.93 750 4.99 0.11 7202 8.43 750 2.32 0.17 8018 4.19 724 1.31 0.23 5223 9.90 750 2.76 0.21 7206 18.49 750 5.36 0.21 8021 6.99 750 2.17 0.23 5348 9.52 750 2.62 0.19 7208 14.28 750 3.85 0.17 8031 4.14 718 1.31 0.24 5403 20.23 750 4.96 0.15 7210 12.44 750 3.43 0.18 8032 2.33 491 0.71 0.22 5437 9.63 750 2.55 0.17 7212 5.53 750 1.83 0.27 8033 3.01 576 0.96 0.24 5445 8.41 750 2.15 0.16 7213 21.53 750 5.81 0.20 8039 1.75 419 0.56 0.26 5462 12.90 750 3.43 0.17 7214 11.90 750 3.39 0.20 8044 3.81 676 1.16 0.22 5476 13.12 750 3.30 0.16 7215 13.00 750 3.35 0.14 8045 0.75 294 0.24 0.24 5479 10.98 750 2.95 0.17 7216 13.96 750 4.01 0.21 8046 3.63 654 1.13 0.24 5480 10.05 750 2.62 0.17 7218 11.23 750 3.37 0.23 8047 1.26 358 0.37 0.20 5506 9.10 750 2.28 0.17 7219 8.73 750 2.32 0.17 8050 5.26 750 1.61 0.23 5507 8.42 750 2.08 0.15 7220 4.70 750 1.49 0.21 8058 4.74 750 1.44 0.23 5509 5.75 750 1.58 0.22 7230 7.51 750 2.21 0.19 8059 3.74 668 1.21 0.26 5538 11.08 750 2.89 0.17 7231 9.19 750 3.04 0.26 8102 3.32 615 0.97 0.19 5550 8.07 750 2.18 0.18 7309F 21.49 750 8.00 0.19 8106 6.42 750 1.90 0.22 5551 29.95 750 7.64 0.18 7313F 3.81 676 1.27 0.16 8107 4.81 750 1.32 0.17 5552 29.95 750 7.64 0.18 7317F 7.03 750 2.60 0.19 8111 3.53 641 1.05 0.19 5606 2.14 468 0.54 0.17 7333M 9.66 750 1.96 0.16 8116 4.37 746 1.85 0.23 5610 8.85 750 2.43 0.18 7335M 10.73 750 2.68 0.16 8209 5.31 750 1.62 0.23 5645 20.23 750 5.28 0.19 7337M 13.54 750 2.73 0.16 8215 9.61 750 2.59 0.19 5651 20.23 750 5.28 0.19 7350F 8.77 750 4.31 0.16 8227 7.79 750 2.00 0.19 6204 12.72 750 3.48 0.19 7360 7.40 750 2.20 0.22 8232 7.50 750 2.22 0.22 6216 10.93 750 2.71 0.16 7380 6.67 750 1.92 0.20 8235 5.74 750 1.72 0.20 6217 11.76 750 2.92 0.15 7382 6.32 750 1.87 0.20 8264 9.41 750 3.04 0.20 6229 9.09 750 2.32 0.17 7390 8.33 750 2.59 0.23 8265 7.06 750 1.98 0.20 6235 21.69 750 5.25 0.16 7394M 17.18 750 4.38 0.12 8279 8.56 750 2.46 0.21 6306 11.97 750 3.07 0.17 7395M 19.09 750 4.35 0.12 8291 5.58 750 1.65 0.20 6319 8.75 750 2.16 0.15 7398M 24.09 750 6.14 0.12 8292 8.50 750 2.59 0.21 6325 12.13 750 3.17 0.18 7403 7.03 750 1.95 0.19 8293 26.16 750 8.35 0.22 6400 13.00 750 3.72 0.19 7405 0.98 323 0.29 0.20 8304 9.61 750 2.59 0.19 6504 3.55 644 1.02 0.19 7421 3.15 594 0.86 0.19 8350 6.61 750 1.84 0.19 6702M 15.44 750 7.29 0.18 7422 3.55 644 0.75 0.09 8381 2.65 531 0.76 0.21 6703M 21.66 750 7.29 0.18 7423 2.93 566 0.82 0.19 8387 4.82 750 1.43 0.21 6704M 17.16 750 4.64 0.18 7502 3.49 636 1.11 0.26 8392 4.99 750 1.49 0.20 6801F 3.01 576 1.05 0.16 7515 1.14 343 0.30 0.18 8393 4.28 735 1.25 0.17 6824F 10.17 750 3.95 0.22 7520 5.02 750 1.49 0.21 8395 5.65 750 1.64 0.19 * Refer to the Footnotes Page for additional information on this class code. 09/2009

EXHIBIT III MICHIGAN WORKERS COMPENSATION AND EMPLOYERS LIABILITY Effective January 1, 2010 APPLICABLE TO ASSIGNED RISK POLICIES ONLY Page S3 CLASS MIN D CLASS MIN D CLASS MIN D CODE RATE PREM ELR RATIO CODE RATE PREM ELR RATIO CODE RATE PREM ELR RATIO 8401 0.97 321 0.30 0.22 9620 1.33 366 0.38 0.19 8601 0.95 319 0.25 0.20 8709F 3.44 630 1.58 0.22 8720 2.42 503 0.68 0.19 8726F 4.81 750 2.10 0.19 8734M 0.73 291 0.21 0.19 8737M 0.66 283 0.20 0.19 8738M 0.92 315 0.27 0.19 8742 0.63 279 0.16 0.21 8745 5.67 750 1.66 0.20 8748 1.21 351 0.30 0.17 8755 0.42 253 0.11 0.17 8800 1.85 431 0.57 0.24 8803 0.13 216 0.04 0.18 8805M 0.46 258 0.13 0.19 8810 0.29 236 0.08 0.22 8814M 0.41 251 0.12 0.19 8815M 0.58 273 0.10 0.19 8820 0.32 240 0.08 0.19 8829 3.79 674 1.26 0.26 8831 1.65 406 0.50 0.24 8832 0.67 284 0.18 0.20 8833 2.32 490 0.66 0.22 8835 3.43 629 1.11 0.24 8837 3.86 683 1.17 0.24 8868 0.63 279 0.17 0.25 8869 0.93 316 0.27 0.27 8901 0.36 245 0.10 0.21 9015 6.17 750 1.89 0.22 9040 5.36 750 1.74 0.26 9052 3.60 650 1.17 0.25 9053 3.60 650 1.17 0.25 9058 2.19 474 0.73 0.26 9060 2.92 565 0.88 0.22 9061 2.50 513 0.85 0.25 9063 1.47 384 0.48 0.27 9065 1.46 383 0.44 0.21 9093 2.04 455 0.64 0.24 9101 3.35 619 1.01 0.21 9102 5.41 750 1.59 0.21 9154 1.93 441 0.57 0.20 9156 1.79 424 0.50 0.23 9220 5.93 750 1.81 0.22 9402 7.29 750 1.98 0.17 9403 10.66 750 2.86 0.18 9410 1.79 424 0.54 0.20 9501 4.45 750 1.31 0.23 9519 5.93 750 1.68 0.19 9521 6.10 750 1.72 0.18 9522 2.93 566 0.91 0.24 9529a* a a a a 9530 13.74 750 3.56 0.18 9558 21.70 750 6.58 0.19 9559 5.32 750 1.47 0.22 9586 0.86 308 0.30 0.26 * Refer to the Footnotes Page for additional information on this class code. 09/2009

EXHIBIT III MICHIGAN WORKERS COMPENSATION AND EMPLOYERS LIABILITY Effective January 1, 2010 Page 5 APPLICABLE TO ASSIGNED RISK POLICIES ONLY MISCELLANEOUS VALUES Basis of premium applicable in accordance with the footnote instructions for Code 7220 -- "Taxicab Co. - Drivers": $28,000.00 Expected Loss Ratio - for use in return of rating plan deposits 0.652 Expense Constant applicable in accordance with Basic Manual Rule VI-E-2 $200.00 Per Passenger Seat Surcharge - In accordance with the footnote instructions for classification Code 7421, the surcharge is maximum surcharge per aircraft $600.00 per passenger seat $70.00 Remuneration for Executive Officers Minimum $417/wk And Active Members LLC's Maximum $1,700/wk Remuneration for Spouse of Sole Proprietors - fixed amount Remuneration for Partners - fixed amount $18,000/yr $18,000/yr The Terrorism Risk Insurance Program Reauthorization Act (TRIPRA) of 2007 provides for partial reimbursement by the United States for insured workers compensation losses due to terrorism. Additional insurer loss liability exists under TRIPRA because TRIPRA provides partial reimbursement. In addition, TRIPRA is scheduled to expire at year-end 2014. The rates on Exhibit III do not include a provision for this exposure. Effective January 1, 2008 an endorsement entitled Terrorism Risk Insurance Program Reauthorization Act Endorsement (WC 21 04 21 A) must be attached to all Michigan residual market policies; and, as of this date a surcharge of 1 cent per 100 dollars of payroll will be assessed on all new and renewal policies in the Michigan pool. (See Michigan WC Placement Facility Circular Number 217 found on the CAOM/Facility web site www.caom.com.) United States Longshore and Harbor Workers' Compensation Coverage percentage applicable only in connection with Rule XI-D-3 "U.S. Longshore and Harbor Workers' Compensation Act" of the Basic Manual. 65% (Multiply a Non-'F' classification advisory loss cost by a factor of 1.65. This factor adjusts for the differences in state and federal benefits and assessments. The factor to adjust for differences in benefits only is 1.57). NOTE: Basic Manual refers to the Basic Manual for Michigan Workers' Compensation Placement Facility

EXHIBIT III MICHIGAN WORKERS COMPENSATION AND EMPLOYERS LIABILITY Effective January 1, 2010 Page 4 APPLICABLE TO ASSIGNED RISK POLICIES ONLY FOOTNOTES a F M P See instructions for rating in classification section under code description. The rate provides for coverage under the United States Longshore and Harbor Workers Compensation Act and its extensions. The rate also contains a provision for the USL & HW assessment. The rate provides for coverage under Admiralty Law and Federal Employers' Liability Act (FELA). A provision for the USL & HW assessment is included for those classifications under Program II USL Act. Classification is computed on a per capita basis. * Class codes with special footnotes: 5038 Refer to "Painting: Metal Structures or Bridges" on Page 85-Part Two-Classifications 7720 When part-time or volunteer police officers are employed, the actual remuneration of all such persons shall be included with the payroll of regular police officers in computing the premium. In no case, however, shall the remuneration of any such police officers be taken at less than $400 per person per annum. 9529 Refer to "Scaffolds or Sidewalk Bridges-Installation" on Page 103-Part Two-Classifications