Investor Presentaiton

Percent Change (%) LO Pure Premium Base Rate Changes 2.0 -6.7 1.2 -.8 -2.5 -5 -10 -12.1 -15 3.0% ■Individual -20 -Cumulative -25 -30 -.4 -1.2 -6.5 -26.2 Comments ■ The 2022 Ratemaking Report reflects a 6.5% decrease in pure premium base rates on average. ■ All industry groups saw a decrease, except Office and Clerical which had a small increase of 0.8%. Since 2012, pure premium base rates have decreased at an annual average rate of 3%. ■ Cumulatively, pure premium base rates are 26.2% below the 2012 level. 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Year MWCIA years 8

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