TREND

							   FacWorld Loss Trending Tool
   You may use this tool to gather a rough guide of future loss expectations based solely on historical loss data.
   The tool uses simple compound interest on an annual basis and then averages the outcome.
   We caution that the most effective way for you to control the maximum cost of future losses is to buy Facultative Reinsurance.
   This does not purport to be an actuarial model but may be helpful when making quick estimations.
   Enter Data into yellow fields. Results appear in Blue fields

   Account Name:                                                          Choose variable Parameters.
   Underwriter:                                                           Average Annual Loss Growth%                              5%
                                                                          Profit Target%                                          15%
   Target Layer Attachment:       $              -                        Current Year IBNR LOAD%                                 20%
   Target Layer Detachment:       $              -

   Equates to:                                         $             -    xs $                   -

                                       Year Loss            Gross                  Ground Up               Target Layer
Loss # Loss Description               Occurred In           Loss                 Time Adjusted            Time Adjusted
      1                                  2011          $             -     1   $            -                        -
      2                                  2011          $             -     1   $            -                        -
      3                                  2011          $             -     1   $            -                        -
      4                                  2011          $             -     1   $            -                        -
      5                                  2011          $             -     1   $            -                        -
      6                                  2011          $             -     1   $            -                        -
      7                                  2011          $             -     1   $            -                        -
      8                                  2011          $             -     1   $            -                        -
      9                                  2011          $             -     1   $            -                        -
     10                                  2011          $             -     1   $            -                        -
     11                                  2011          $             -     1   $            -                        -
     12                                  2011          $             -     1   $            -                        -
     13                                  2011          $             -     1   $            -                        -
     14                                  2011          $             -     1   $            -                        -
     15                                  2011          $             -     1   $            -                        -
     16                                  2011          $             -     1   $            -                        -
     17                                  2011          $             -     1   $            -                        -
     18                                  2011          $             -     1   $            -                        -
     19                                  2011          $             -     1   $            -                        -
     20                                  2011          $             -     1   $            -                        -
        This Year IBNR                   2011          $             -     1   $            -                        -

                                                                                     Average                  Average         Payback
          Next Year                      2012         Loss Expectancy          $                 -        $          -         Years
                                                      Target Premium                                 $0                  $0       -

   First Year of Experience                                  2011
   Last Year of Experience                                   2011
   # of Years of Experience                                    1




   Extra Fox Version 11/8/99                                                       9db3e772-0048-4f91-8f20-dbecea2f27ef.xls12/7/20119:01 AM