1. Humboldt County Insurance Proposal Wells Fargo Insurance Services Confidential. © 2006 Wells Fargo Insurance Services. All rights reserved. By: Stephen B Romero 604 W Moana Ln Reno, NV 89509

2. 2 With this renewal the Pool is entering into its 28 th year of existence, clearly demonstrating the long- standing value of membership and commitment to pooling. The Pool has grown from the original 4 members, starting May 15, 1987, to 116. The Pool consists of 14 counties, 12 cities, 15 school districts and 75 towns and special districts throughout Nevada. The Public Agency Compensation Trust (PACT) is entering its 19 th year of providing Worker’s Compensation for Member entities. POOL/PACT Program Highlights

3. 3 Membership in the Nevada Public Agency Insurance Pool provides each member with a wide range of services and financial risk management. The material included in this proposal provides you with a program overview. Additional services can be found on www.poolpact.com.www.poolpact.com POOL/PACT may award its members a Grant to assist with risk management needs including training, attending conferences, OSHA or other requirements, employee safety. Highlight – cont.

4. 4 Humboldt County Premium Comparison 2010—20112011—20122012—20132013—20142014—20152015—2016 POOL LOSS FUNDIncluded INS./ADM COSTS 519,257.85548,217.76524,515.35544,555.44512,289.67544,567.77 TOTAL COSTS 519,257.85548,217.76524,515.35544,555.44512,289.67544,567.77 ADDITIONAL POLICIES NOT INCLUDED IN ABOVE Treasurer's Bond @ $500,000Worker's Compensation Program (PACT) Policy Period:01/01/15--16 Policy Period07/01/15—16 Annual Premium:$1,750.00no changeMod.Factor0.68 Prior Yr. Mod.0.73 Premiums are based on actual Payroll Denio Airstrip Liability Policy Period:07/01/15-16 Annual Premium:$1,235.00ESTIMATED

5. 5 The maintenance deductible is $2,000. There was an approximate increase in the renewal premium of 6.3%. There was a increase in your total property value of about 10% and an overall increase in payroll of about 5%. The rates over all Pool members remained close to flat over the expiring year and any premium changes came from the entities exposure. Error on the proposal, Earthquake and Flood limited are increased to $150,000,000. PACT rates decreased by 5% over last year and the Police/Fire Heart funding has increased 10% to adjust for the long term actuarial projections. Our industry has seen between a -5% to 5% increase in all lines of coverage on the commercial insurance rates. We are still seeing a hard market to place high limits of Earthquake. Humboldt County

6. 6

7. 7

8. 8

9. 9