Page 1 MANITOBA PUBLIC UTILITIES BOARD. Re: MANITOBA PUBLIC INSURANCE COMPANY GENERAL RATE APPLICATION FOR 2009/10 INSURANCE YEAR. Before Board Panel:

Transcription

1 Page MANITOBA PUBLIC UTILITIES BOARD Re: MANITOBA PUBLIC INSURANCE COMPANY GENERAL RATE APPLICATION FOR 0/ INSURANCE YEAR Before Board Panel: Graham Lane Eric Jorgensen Alain Molgat HELD AT: - Board Chairman - Board Member - Board Member Public Utilities Board 00, 0 Portage Avenue Winnipeg, Manitoba September nd, 0 Pages to

2 Page APPEARANCES Walter Saranchuk )Board Counsel Candace Everard ) Kevin McCulloch Raymond Oakes Byron Williams )Manitoba Public Insurance )CMMG )CAC/MSOS Nick Roberts (np) )Manitoba Used Car Dealers )Association Donna Wankling )CAA Manitoba Jerry Kruk ) Robert Dawson )CBA/MBA Claudio Sousa (np) )Scootering Manitoba

3 Page TABLE OF CONTENTS Page No. List of Exhibits List of Undertakings Opening comments MPI Panel Cross-Examination by Mr. Walter Saranchuk Presentation by Ms. Ruth Adams Presentation by Mr. Mike Low Presentation by Mr. Doug Houghton Presentation by Mr. Andrew Chimko Presentation of Mr. Hugh Arklie Presentation of Ms. Virgilio Ramos Presentation of Ms. Anita Bowden MPI Panel - continued Continued Cross-Examination by Mr. Walter Saranchuk Certificate of Transcript

4 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB- Notice of Hearing and pre-hearing conference May 0, 0 - also entered at PHC PUB- Rules of Practice and Procedure - also entered at PHC PUB- PUB- PUB- PUB- PUB/MPI-- Proposed Timetable - also entered at PHC Transcript of Pre-Hearing Conference held June, 0 The Public Utilities Board Procedural Order No. /0 dated July, 0 Reminder Notice of Public Hearing dated August, 0 The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Rate Change Sensitivity PUB/MPI-- analysis The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Retained earnings schedule

5 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- PUB/MPI-- PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Volume/upgrade factor The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Volume increase The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Non-HTA volume factors PUB/MPI-- PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Material financial or operational changes The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Selling securities

6 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- to - PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. AON Report The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Stratification of the PUB/MPI-- corporate investment portfolio The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Investments PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. formula Investment allocation PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Investment policy statement

7 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Interest rate forecast The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. AON report. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Yield curve PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Frequencies and severities PUB/MPI-- for each coverage The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Claims cost forecasting

8 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Change in frequencies, PUB/MPI-- PUB/MPI-- severities and loss costs The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Claims incurred. The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Revenue requirement PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. PIPP costs by component PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Claims variance analysis

9 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Incurred claims PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Amount paid by the PUB/MPI-- Corporation to Manitoba Health The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Association. Manitoba Chiropractors' PUB/MPI--0 The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Table by type of claim PUB/MPI-- from the inception of PIPP The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. PIPP phase iii

10 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Alternate parts The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Trend analysis PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Cost allocation methodology PUB/MPI-- PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Expense categories The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. expense Operating and Claims

11 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Donations PUB/MPI-- PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Wage increases above inflation The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Average salary levels PUB/MPI--0 The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Departments PUB/MPI-- to - The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Capital expenditures

12 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. IFRS PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Information technology PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Risk profile PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Components of the overall PUB/MPI-- required rate. The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Average rate

13 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Motorcycle rate line PUB/MPI-- differentials The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Auto theft claim counts PUB/MPI--0 The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Decrease in auto theft PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Expansion of the obligatory Immobilizer Installation Program

14 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Immobilized vehicles PUB/MPI-- and non-immobilized vehicles The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Mar vehicles PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. fund Immobilizer incentive PUB/MPI-- to - The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. WATSS program PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Anti-theft initiative

15 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. programs Anti-theft youth PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. assurance Immobilizer quality PUB/MPI--0 The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. defeated Immobilizers being PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Bonus/malus PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Traffic enforcement

16 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Provincial identity card PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Crown corporations council PUB/MPI-- PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Dauphin hail storm The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Reinsurance PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Allowance for reinsurers

17 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. PAYD study PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Inter provincial trucking PUB/MPI--0 The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Uncashed cheques PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - st Round. Deductible in respect PUB/MPI-- of wildlife claims The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Premium sensitivity analysis

18 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. accounting. Comprehensive income PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. investments Realizing gains on PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Investment strategy PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. AON report PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Investment classifications

19 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Claims costs PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Frequency and severity PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. DVLO staff and services PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Allocation formulas PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Changes in the percentage allocated

20 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Depreciation and PUB/MPI-- amortization expense by capital category The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. IFRS PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. compensation Increase in Corporate PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Departmental costs PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Anti-Theft initiative.

21 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Other expenses by program PUB/MPI-- PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Discussions with the Winnipeg Police Service The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Premiums earned and PUB/MPI-- claims incurred from ceded reinsurance The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Collaboration between the Corporation and RCM/TREE

22 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. PUB/MPI-- The Public Utilities Board's Information Requests and Manitoba Public Insurance's Responses - nd Round. Increase in claim counts experienced in 0 PUB- Book of Documents PUB/CAC/MSOS-- The Public Utilities Board's MPI- MPI- Information Request and Consumers' Association of Canada (Manitoba) Inc./ Manitoba Society of Senior's Response 0 Affidavit of Sherry Komadowski with attached exhibits stating that all interested parties were served Notice of Public Hearing and rate application. Affidavit of Zdenka Melnyk with attached exhibitis of Notice of Public Hearing and Pre-Hearing Conference dated May 0, 0 published in the required newspapers.

23 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. MPI- Affidavit of Zdenka Melnyk, with attached exhibits of Reminder Notice of Public Hearing dated August?, 0 published in the required newspapers. MPI- MPI 0 Rate Application - Volume I, filed June, 0 MPI- MPI- MPI 0 Rate Application - Volume II, filed June, 0 MPI 0 Rate Application - Volume III, filed June, 0 CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Negotiations between MPI and the Manitoba Government and General Employees' Union

24 Page CAC/MSOS/MPI-- LIST OF EXHIBITS Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Quarterly Report CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Approved corporate budget CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Salary level table CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Internal indicators

25 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Inter-Jurisdictional Comparison for Casualty Rates CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Seat belt non-use and speed issues CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Road safety expenses

26 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Immobilizer program CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Basic claims incurred comparison CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Road safety strategy

27 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Road safety and loss prevention programs CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Corporate goals. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Indexation of benefits

28 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Claims incurred forecasts CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Prolonged recovery unit. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Multi-year agreement with recyclers

29 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Labour and Materials CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Estimating compliance audio product. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Tire database

30 Page 0 LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Rate adjustment for fiscal year 0/ CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. PIPP infrastructure initiative CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Capital expenditure

31 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Auto theft initiatives CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Independent review of Driver Ed and training CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Investment portfolio

32 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Province management fees CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Selling securities CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Basic claims incurred comparison, accident benefits

33 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI--0 Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Claims expense index CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Total claims costs CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. operating expenses

34 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Expense allocation formulas CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Summary of Basic expenses by category CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Compensation increases

35 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Staffing levels CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Corporate capital expenditures CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Statement of Operations and Basic Expenses by Category

36 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Auto theft initiatives, road safety expenses, safety/loss prevention programs CAC/MSOS/MPI--0 Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Road safety/loss prevention CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Reinsurance

37 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Basic Retained earnings CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Foreign exchange contract CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Vehicles

38 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Actuarial valuation deficiencies CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Annual operating lease payments CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Corporate Goals, measures and strategies

39 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. New Service centres CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Most at Risk Enchanced Immobilizer Incentive Plan CAC/MSOS/MPI--0 Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. AON.

40 Page 0 LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. PIPP infrastructure update CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Value of MPI investments CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Pfads

41 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - st Round. Volume factor and upgrade factor CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Adoption of CICA Handbook Section. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Upgrade and volume factors

42 Page CAC/MSOS/MPI-- LIST OF EXHIBITS Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Investment gains CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Equity investment CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Investment policy CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Returns for the US equities

43 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. PIPP benefits CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Claims incurred comparison CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. WATSS program

44 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Policies/Support Employee indicator CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Fatalities per billion vehiclekilometres CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Increase in labour rates

45 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Direct appointment of Northport CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Sale and repurchase of securities CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. operating expenses.

46 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Expense allocation formulas CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Annual operating lease payments CAC/MSOS/MPI-- Consumers' Association of Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. new service centres

47 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CAC/MSOS/MPI-- Consumers' Association of to - Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. AON study CAC/MSOS/MPI-- Consumers' Association of CAC-MSOS- CMMG/MPI-- CMMG/MPI-- Canada (Manitoba) Inc./Manitoba Society of Senior's Information Requests and Manitoba Public Insurance's Responses - nd Round. Corporation's forecast of inflation Evidence Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Stats multiple vehicle accidents with motorcyclist Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Motorcycle single vehicle accidents

48 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Accident CMMG/MPI-- where the registered owner is at fault Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Discount CMMG/MPI-- to - CMMG/MPI-- Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Payment Plan. Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Dollar increase for customer who has at least one motorcycle

49 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Dollar increase CMMG/MPI-- for customer who has or more motorcycles Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. by territory. Motorcycles CMMG/MPI-- to - Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Premium CMMG/MPI-- increases for each of touring, sport bike, sport touring, moped and other motorcycles. Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. motorcycle definitions Source for the

50 Page 0 LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Relativities CMMG/MPI-- Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. engine ranges Motorcycle CMMG/MPI-- Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. retained earnings Basic CMMG/MPI-- Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. valve Appropriate CMMG/MPI-- Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. NAMS Report.

51 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. financial results Projected CMMG/MPI-- Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Number of total CMMG/MPI-- theft covers, attempted theft covers, partial theft covers and vandalism covers and the incurred costs. Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. single vehicle acidents Motorcycle CMMG/MPI-- Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. livestock claims Wildlife and

52 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Switching CMMG/MPI-- the rating to the other person Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Rate groups CMMG/MPI-- Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. group change CLEAR rate CMMG/MPI-- to - Coalition of Manitoba Motorcyle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. adjustment Relatively

53 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. by rate group Motorcycles CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. differentials Rate line CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. "Substitute" CMMG/MPI--0 a pleasure use vehicle for an all purpose vehicle Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. difference Percent rate

54 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. loss costs by coverage Trailers CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Ti. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Deleted CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. difference Rate CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. information/advertising. Public

55 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. loss prevention. Safety CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. special services Public CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Road safety CMMG/MPI-- programs specific to motorcycle Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. allocation formulas Expense

56 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI--0 CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Staffing level. Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. capital expenditures Projected CMMG/MPI-- to - Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. earnings Retained CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Management selected claims PFAD margin.

57 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. PFAD margin CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. IBNR CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. reserves. Financial CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. loss development factors Changes in CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. reported IBNR

58 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI--0 Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. development factors Loss CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. return on MUSH Rate of CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. losses Serious CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. of territories Assignment

59 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Applicants CMMG/MPI-- mis-specifying insurance use Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Relativities CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Personal CMMG/MPI-- to - vehicle insurance products Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Potential move of motorcycle comprehensive coverage to basic

60 Page 0 LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- to -0 Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. satisfaction rates Motorcyclists CMMG/MPI-- to - Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. forecasting committee Claim CMMG/MPI-- to - Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. forecasting committee Revenue CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Methods and processes used to calculate IBNR.

61 Page CMMG/MPI-- LIST OF EXHIBITS Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. making methodology Rate CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. the CPI Change in CMMG/MPI-- to - Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. Vintaging CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. formula Credibilty CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. risk study. Motorcycle

62 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. related risk Hail CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. incentive program Immobilizer CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. installing immobilizers Companies CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. for claims incurred Forecast

63 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. forecasts Financial CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. parts Recycled CMMG/MPI--0 Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. parts Aftermarket CMMG/MPI-- to - Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - st Round. and aftermarket part for motorcycles Recycled

64 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. earnings Retained CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. of operations Statement CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. investments Short term CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. variance Percent

65 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. Safety CMMG/MPI-- and loss prevention programs Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. and safety sponsorships Advertising CMMG/MPI-- to - Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. institute Siemens CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. Variance between forecast and actual and projected

66 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. Defining CMMG/MPI-- rates as "substantially" inadequate Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. enforcement Traffic CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. incurred Claims CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. motorcycles Data for

67 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. of the actual amounts Reconciliation CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. initiative E-lab CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. seasonal basis Rates for CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. Relativities CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. Engine ranges

68 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. training Brokers CMMG/MPI-- (sic) Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. Providing CMMG/MPI-- value data used for adjusting claims to brokers Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. NAMS CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. Rates and related coverage purchased in other jurisdictions

69 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- (sic) Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. relativity adjustment Rate line CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. regulation Amending CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. Equitable CMMG/MPI-- treatment-insureds who have two vehicles and insureds who have a private passenger vehicle and a motorcycle Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. initiative MPI/MTA

70 Page 0 LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. IBNR CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. number omitted IR CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. PFAD CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. for unearned premiums Provision

71 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. Adding CMMG/MPI--0 comprehensive coverage for motorcycles to the basic plan. Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. omitted IR number CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. satisfaction rates Motorcyclists CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. The CLEAR rate group and the MPI rate group

72 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. formulae Credibility CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. related risk. Hail CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. Assignment CMMG/MPI-- of rate groups to new vehicles Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. created rate groups CLEAR

73 Page LIST OF EXHIBITS EXHIBIT NO. DESCRIPTION PAGE NO. CMMG/MPI-- Coalition of Manitoba Motorcycle Groups' Information Requests and Manitoba Public Insurance's Responses - nd Round. Maximum MBA/MPI-- declared value used in CLEAR Manitoba Bar Association's Information Requests and Manitoba Public Insurance's Responses - st Round. initiative PIPP infrastructure MBA/MPI-- MBA/MPI-- Manitoba Bar Association's Information Requests and Manitoba Public Insurance's Responses - st Round. PUB Order No. 0/0 Manitoba Bar Association's Information Requests and Manitoba Public Insurance's Responses - st Round. of service Highest possible levels