Exhibit 3

Runs

RAPS

RAINS

RERUNS

Total
Throughput
Days

Distribution (4 clerks)
Total at DCs
To be processed
Average per DC
95% SCT per request
Total minutes

1
1
0.25
128.1
32

3
3
0.75
107.8
80.9

1
1
0.25
68.1
17

11
11
2.75
43.2
118.8

0.6

Underwriting (3 teams)
Total at DCs
Total at UTs
To be processed
Average per UT
95% SCT per request
Total minutes

1
3
4
1.33
107.2
142.6

3
7
10
3.33
87.5
291.4

1
6
7
2.33
49.4
115.1

11
36
47
15.67
62.8
984.1

3.4

Rating (8 raters)
Total at DCs
Total at UTs
Total at RTs
To be processed
Average per RT
95% SCT per request
Total minutes

1
3
1
5
0.625
112.3
70.2

3
7
2
12
1.5
88.7
133.1

1
6
1
8
1
89.4
89.4

11
36
7
54
6.75
92.2
622.4

1
3
1
0
5
1
89.3
89.3

3
7
2

1
6
1
1
9
1.8
72.1
129.8

11
36
7
2
56
11.2
67
750.4

2.2

Policy Writing (5 writers)

Total at DCs
Total at UTs
Total at RTs
Total at PWs
To be processed
Average per PW
95% SCT per request

Summary
Total Backlog
Total TAT

NA

82 Requests-in-process
8.2 days

Throughput

Exhibit 4
Operating Steps
Distribution
Min
Max
Mean
Std Dev
95% SCT
Weighted average
proc time per request

Underwriting
Min
Max
Mean
Std Dev
95% SCT
Weighted average
proc time per request

Rating
Min
Max
Mean
Std Dev
95% SCT
Weighted average
proc time per request

Policy Writing
Min
Max
Mean
Std Dev
95% SCT
Weighted average
proc time per request

RUNS
RAPS
RAINS
RERUNS
30.5
31.5
27
20.5
142
124
286
276
68.5
50
43.5
28
30.7
24.9
9.2
6.2
128.1
107.8
68.1
43.2
41

1.7
599
43.6
32
107.2

6
395
38
24.5
87.5

0.5
411
22.6
11.7
49.4

4.2
720.3
18.7
19.8
62.8
28.4

7
465
75.5
20.5
112.3

8
417
64.7
13.6
88.7

15
439
65.5
15.9
89.4

7
465
75.5
9.7
92.2
70.4

39.5
371
71
10.3
89.3

NA
NA
NA
NA
NA

30
275.5
54
8.6
71.1

39
370.5
50.1
9.5
67
54.8

Exhibit 5
1989
2nd Qtr
3rd Qtr

Ist Qtr
Gross Premium
New Policies
Endorsements
Rernewals

4 Qtr

Ist Qtr

2nd Qtr

1990
3rd Qtr

1485
96
6607
8188

1523
113
6582
8218

1540
109
6602
8251

1546
96
6710
8352

1635
117
7140
8892

1684
138
7067
8889

1763
134
6898
8795

833
67

841
92

847
69

856
85

909
87

916
99

924
132

Net Underwriting Revenue

7288

7285

7335

7411

7896

7874

7739

Ordinary Insured Losses

Extraordinary Losses
Less: Branch Protection

4176
508
400
4284

4273

4208

4928

5602

5778

5718

4273

4208

4928

5602

5778

5718

3004

3012

3127

2483

2294

2096

2021

33
2
13
4
961

33
7
13
4
961

33
3
13
4
961

33
7
13
4
961

100
120
5
1238

100
120
6
1244

100
120
8
1242

100
120
7
1245

36
8
15
5
935
80
100
120
5
1304

36
7
15
5
935
83
100
120
9
1310

36
6
15
5
935
87
100
120
5
1309

1766

1768

1885

1238

990

786

712

Commissions
Other Expenses

Gross Underwriting Results

Operating Expense
Office Rent
Propert & Equip
Depreciation
Finance Charge
Salaries
Plus Program
Branch Protection
Branch Allocation
Other

Branch Profit (Loss)

1991
Ist Qtr
2nd Qtr

4 Qtr
1763
134
6971
8868

2024
158
6317
8499

2172
133
6596
8901

929
96

948
130

1005
121

7843

7421

7775

6030
612
400
6242

6155

6453

6155

6453

1601

1266

1322

36
1
15
5
935
87
100
120
7
1306

40
1
16
5
1028
90
100
150
10
1440

40
2
16
5
1028
97
100
150
5
1443

295

-174

-121

Exhibit 7
Territory 1
Agents
Policies in force
Requests Processed
RUNS originating as RUNs
RAPs converted to RUNs
Total RUNs
RAPs (Total)
RAINS
RERUNs
Renewals Lost
Gross premiums

Territory 2
Agents
Policies in force
Requests Processed
RUNS originating as RUNs
RAPs converted to RUNs
Total RUNs
RAPs (Total)
RAINS
RERUNs
Renewals Lost
Gross premiums

Territory 3
Agents
Policies in force
Requests Processed
RUNS originating as RUNs
RAPs converted to RUNs
Total RUNs
RAPs (Total)
RAINS
RERUNs
Renewals Lost
Gross premiums

Branch Totals
Agents
Policies in force
Requests Processed
RUNS originating as RUNs
RAPs converted to RUNs
Total RUNs
RAPs (Total)

1989

1990 1991(6 months)

22
1719

22
1651

23
1151

268
131
399
1000
276
1713
317
11,204

305
164
469
1232
358
1568
784
11898

162
112
274
761
196
636
403
5915

29
1755

28
1693

26
1393

186
132
318
815
237
1958
258
11991

190
144
334
907
273
2021
497
13579

100
79
179
513
125
840
227
6497

28
1727

26
1660

27
1402

212
139
351
952
264
1495
274
9814

183
136
319
940
264
1398
436
9969

88
83
171
524
130
605
296
4988

79
5201

76
5004

76
3946

666
402
1068
2767

678
444
1122
3079

350
274
624
1798

RAINS
RERUNs
Renewals Lost
Gross premiums

777
5166
849
33009

895
4987
1717
35446

451
2081
926
17400

Exhibit 6
1989
2nd Qtr
3rd Qtr

Ist Qtr

4 Qtr

Ist Qtr

RUNS
Requests Processed (RUNS originating as RUNS)
Requests Processed (RUNS originating as RAPS)
Total RUN Requests Processed
Late

160
103
263
0

166
96
262
0

170
100
270
0

170
103
273
0

157
109
266
0

RAPS (Total, including RAPS completes as RUNS)

Request Processed
Late

653
0

691
0

698
0

725
0

681
0

RAINS
Request Processed
Late

181
0

212
1

204
1

180
0

199
2

RERUNs
Request Processed
Late

1288
205

1283
191

1287
220

1308
201

1268
225

Totals
Request Processed
Late

2282
205

2352
192

2359
221

2383
201

2305
227

193
4.7

205
5.7

232
5.1

219
5.6

400
5.9

Renewals-number lost
Weighted Average TAT (days)

An average month is 20 working days (4 weeks of 5 days)

2nd Qtr

1990
3rd Qtr
4 Qtr

1991
2nd Qtr

Ist Qtr

165
113
278
0

178
112
290
0

178
110
288
0

164
134
298
0

186
140
326
0

748
0

819
0

831
0

862
0

936
0

235
0

232
0

229

245
0

206
3

1253
248

1228
310

1238
387

1018
425

1063
468

2401
248

2457
310

2476
387

2289
425

2391
471

414
5.1

436
5.3

467
5.7

429
5.8

497
6.2