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Investor Presentaiton

Cumulative Change 20% 15% 10% 5% Lost-Time Medical Severity Changes -Minnesota -Chain-Weighted Personal Health Care Price Index 15.8% AM 0% 2010 2011 2012 2013 2014 2015 2016 2017 2018 Accident Year 5.5% 2019 2020p Comments Though volatile, the average medical claim severity in lost-time claims wobbles around the Chain-Weighted Personal Healthcare Price Index, with the average severity falling in 2020. ■ Since 2010, the index grew an average of 1.5% per year. ■ Lost-time medical severity averaged growth of half a percent per year. Minnesota series from MWCIA Financial data. Countrywide Chain-Weighted Personal Health Care (CW-PHC) Price Index from Centers for Medicare & Medicaid Services Excludes COVID-19 claims MWCIA years 16
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