T rends & Analysis

1. Trends & Analysis WSTIP Annual Meeting December 2010

2. AGENDA FOR TODAY • THE CHALLENGES OF BEING A TRANSIT OPERATOR • FREQUENCY AND SEVERITY BY MEMBER • OPEN CLAIMS VS TOTAL CLAIMS BY YEAR • THE COST OF CLAIMS • FREQUENCY AND SEVERITY • CLAIMANT AGE • $100K EVENTS BY YEAR • Total PAID THIS YEAR COMPARED TO LAST YEAR

3. The Hazards of Winter Driving

4. Did we knock her over?

5. IT IS TOUGH BEING A TRANSIT OPERATOR

6. IT IS TOUGH BEING A TRANSIT OPERATOR • Grays Harbor Transit • Ben Franklin Transit

7. Member Liability Claims Frequency – 2006 to 2010

8. Member Liability Claims Severity – 2006 to 2010

9. Open Claims vs. Total Claims (2002 to 2010)

10. Ultimate Net Loss vs. Riskmaster Reserves2002 to 2010 Random and going up

11. Number of Claims and Miles Driven2000 to 2010

12. AVERAGE OF THE LIABILITY CLAIMANTS2002 TO 2010

13. AVERAGE OF THE BODILY INJURY CLAIMANTS2002 TO 2010

14. $100K EVENTS AT WSTIP WE AVERAGE 5.7 A YEAR

15. WHAT WE PAID LAST YEAR COMPARED TO THIS YEAR WE HAVE PAID $7 MILLION