GARDEN STATE MUNICIPAL JOINT INSURANCE FUND MEETING AGENDA May 22 nd, 2013 Woodbridge Hilton Hotel, Iselin, NJ Parkview Room on 3 rd Floor at 11:00am

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1 GARDEN STATE MUNICIPAL JOINT INSURANCE FUND MEETING AGENDA May 22 nd, 2013 Woodbridge Hilton Hotel, Iselin, NJ Parkview Room on 3 rd Floor at 11:00am MEETING OF FUND COMMISSIONERS CALLED TO ORDER OPEN PUBLIC MEETING ACT STATEMENT In accordance with the Open Public Meetings Act, notice of this meeting was provided by: 1. Sending sufficient notice to the Fund s designated newspapers, the Newark Star Ledger and The Times of Trenton 2. Filing advanced written notice of this meeting with each member municipality; and 3. Posting notice of this meeting on the Public Bulletin Board of all member municipalities. PLEDGE OF ALLEGIANCE ROLL CALL OF FUND COMMISSIONERS APPROVAL OF MINUTES OF 4/24/13 MEETING ADOPTION OF RESOLUTIONS Resolution 2213 Approving Disbursements Resolution 2313 Approving Claims Payments Resolution 2413 Approving Defense Panel REPORTS EXECUTIVE DIRECTOR NIP GROUP (Earl Miller) o Meeting with Excess Insurer Brit SAFETY DIRECTOR PMA GROUP (Anthony Ven Graitis/Walt Reibrich/Wendy Wiebalk) o Employment Practices Top 10 Tips for Conducting an EPL Dispute W. Wiebalk o Reminder/update on Network Security A. Ven Graitis CLAIMS REPORT (Robert Persico) o Introduce the GSMJIF Nurse Case Manager o Update on Q Claim Indicators TREASURER S REPORT (Patrick DeBlasio) PRESENTATION o Betsy Ramos, Esq. of Capehart Scatchard Plan and Design Immunity and Allocation of Resources Defenses ADJOURN TO EXECUTIVE SESSION TO DISCUSS CLAIMS COMMITTEE REPORT

2 NEW BUSINESS OPEN FORUM ADJOURNMENT

3 GARDEN STATE MUNICIPAL JOINT INSURANCE FUND MEETING MINUTES April 24, 2013 Woodbridge Hilton, Iselin NJ 11:00AM MEETING OF THE GARDEN STATE MUNICIPAL JOINT INSURANCE FUND CALLED TO ORDER AT 11:00 AM. OPEN PUBLIC MEETING ACT STATEMENT READ INTO RECORD PLEDGE OF ALLEGIANCE ROLL CALL OF FUND Jim Rodino Chairman Mark Vanella Barbara Russo Ted Ehrenberg Paul Carelli Absent Tom Czerniecki Absent Tim Dacey Attended after vote Jim McManimon Absent Theresa Casagrande Eleanor McGovern Peter Valesi Edward Forte, Jr. Absent Lou Guarino Paul Zarbetski Joan Hullings Quentin Wiest Jeff Filiatreault Hedy Lipke Greg Whitehead Nancy Koblis Russ Jones Joseph Manning Absent Marc Dashield Tim Quinn Ann Cucci Doug Marvin Robert Lombard Jim Rodino Jasmine Lim Frank Ruggiero Absent Kathleen Green Mark Krane Mike Matheis

4 APPROVAL OF MINUTES MOTION TO APPROVE MINUTES OF 3/24/13 MEETING MOTION: Commr. Valesi SECOND: Commr. Marvin ABSTAIN: Russo/Lim MEETING OF BOARD OF FUND COMMISSIONERS CALLED TO ORDER ADOPTION OF RESOLUTIONS MOTION TO ADOPT RESOLUTIONS Resolution 1913 Approving Disbursements Bringing payment total to $408, MOTION: Commr. Marvin SECOND: Commr. Matheis VOTE: ROLL CALL Jim Rodino Chairman Mark Vanella Barbara Russo Ted Ehrenberg Paul Carelli Absent Tom Czerniecki Absent Tim Dacey Attended after vote Jim McManimon Absent Theresa Casagrande Eleanor McGovern Peter Valesi Edward Forte, Jr. Absent Lou Guarino Paul Zarbetski Joan Hullings Quentin Wiest Jeff Filiatreault Hedy Lipke Greg Whitehead Nancy Koblis Russ Jones Joseph Manning Absent Marc Dashield Tim Quinn Ann Cucci Doug Marvin Robert Lombard Jim Rodino Jasmine Lim

5 Frank Ruggiero Absent Kathleen Green Mark Krane Mike Matheis Resolution 2013 Approving Claims Payments totaling $2, MOTION: Commr. Filiatreault SECOND: Commr. Jones VOTE: ROLL CALL Jim Rodino Chairman Mark Vanella Barbara Russo Ted Ehrenberg Paul Carelli Absent Tom Czerniecki Absent Tim Dacey Attended after vote Jim McManimon Absent Theresa Casagrande Eleanor McGovern Peter Valesi Edward Forte, Jr. Absent Lou Guarino Paul Zarbetski Joan Hullings Quentin Wiest Jeff Filiatreault Hedy Lipke Greg Whitehead Nancy Koblis Russ Jones Joseph Manning Absent Marc Dashield Tim Quinn Ann Cucci Doug Marvin Robert Lombard Jim Rodino Jasmine Lim Frank Ruggiero Absent Kathleen Green Mark Krane Mike Matheis Resolution 2113 Approving Fund Defense Counsel MOTION: Commr. Dashield SECOND: Commr. Marvin VOTE: ROLL CALL

6 Jim Rodino Chairman Mark Vanella Barbara Russo Ted Ehrenberg Paul Carelli Absent Tom Czerniecki Absent Tim Dacey Attended after vote Jim McManimon Absent Theresa Casagrande Eleanor McGovern Peter Valesi Edward Forte, Jr. Absent Lou Guarino Paul Zarbetski Joan Hullings Quentin Wiest Jeff Filiatreault Hedy Lipke Greg Whitehead Nancy Koblis Russ Jones Joseph Manning Absent Marc Dashield Tim Quinn Ann Cucci Doug Marvin Robert Lombard Jim Rodino Jasmine Lim Frank Ruggiero Absent Kathleen Green Mark Krane Mike Matheis REPORTS Executive Director NIP Group E. Miller Financial Fast Track Report Deficits in early Fund years and surpluses in later Fund years continue to hold. Little or no development is expected on claims prior to Cyber Security The Fund will subsidize a cyber security audit to be conducted for each member to determine any potential data security conditions within their IT systems. This is critical given the increasing incidence of data losses and system breaches among public entities. A1196 Status Our sources advise that this bill has a slim chance of passage in the Senate, but we will monitor closely. Claims Update (Robert Persico/Wendy Wiebalk) Update on recent Supreme Court case DD vs. UMDNJ Tort Claims

7 Wendy addressed the recent Supreme Court case of DD v. UMDNJ which reviewed the standard for filing a late Notice of Claim and will make it far more difficult for plaintiffs to file them in the future. Nurse Case Manager Program Bob advised, the nurse case manager program will begin May 1, The program will seek better medical outcomes for injured employees, reduce unnecessary treatment, secure care in a cost effective setting and bring the employee back to preinjury status as soon as possible. Safety Director (Anthony Ven Graitis/Walt Reibrich/Wendy Wiebalk) Report on Safety Committee Meeting Anthony discussed Safety First, How is my Driving has been approached and a pilot program will be rolled out in the upcoming weeks. The GSMJIF may provide some financial support for members agreeing to implement the program. The 2012 Stewardship Reports: will be completed this month and distributed to members and results discussed at SCMs. The Wellness Incentive Program will be rolled out by 6/1. An will be mailed in the next few weeks outlining the program. Employment Practices Wendy commented on the volume of EPL cases, the costs associated with same, and noted that although all members have policies and procedures in place, it can only help to address these issues regularly. Anthony commented on the when the EPL committee met and discussed a monthly topic to be to be agreed upon by committee members, a bulletin drafted and distributed to all GSMJIF members on a monthly basis. Anthony indicated that Wendy will discuss at the Fund Safety Meeting and Commissioner meeting monthly. Also, additional member committee members are being sought and volunteers are appreciated. Cyber Security Audit Anthony discussed how the GSMJIF will coordinate Cyber Security audits using John Lucich of Network Security Group and to have NSG visit each member by year end starting with municipalities nearest to Union. NSG will start with Rahway, Linden and Maplewood. Risk control will help coordinate visits with IT personnel at each member location. Treasurer s Report Mr. DeBlasio reviewed the monthly treasurer s report and cash management account and advised that the Fund has met all outstanding obligations and its financial position is secure. There were no questions. Presentation John Geaney of Capehart Scatchard Workers Compensation Benefits and Taxation Mr. Geaney reviewed the treatment of workers compensation benefits and local salary continuation programs.

8 MOTION TO ADJOURN TO EXECUTIVE SESSION, NOT OPEN TO THE PUBLIC IN ACCORDANCE WITH THE OPEN PUBLIC MEETINGS ACT, N.J.S.A. 10:412(B), TO DISCUSS PENDING OR ANTICIPATED LITIGATION (CLAIMS) Claims: There were no claims to approve this month so Executive Session was unnecessary. NEW BUSINESS OPEN FORUM MOTION TO ADJOURN Commissioner Marvin made a motion to adjourn the meeting at 12:02 PM and Commissioner Valesi seconded the motion. Motion carried unanimously. Prepared by E. Miller. Earl Miller James Rodino ALSO PRESENT: Earl Miller NIP Robert Persico NIP James Renner NIP Jonathan Hall NIP Anthony Ven Graitis NIP Wendy Wiebalk NIP Madeline Delgado NIP Patrick DeBlasio Treasurer Steve Edwards BGIA Brian Erlandsen BGIA Karen Carman Township of Morris Sonia Brown Township of North Brunswick Janet Keebler Risk Managers, Inc. Walt Reibrich PMAMC Dave Weightman PMAMC Pat Mizerek Rahway Michael Sabbagh GR Murray Linda D Alessio Balken Risk Dominick Cinelli Brown & Brown Metro LaTonya Jackson GR Murray Larry Graham Fairview Insurance

9 GARDEN STATE MUNICIPAL JOINT INSURANCE FUND STATEMENT OF OPERATIONS BY FUND YEAR As of April 30, YTD Year Ended Year Ended Year Ended Year Ended Year Ended Year Ended Year Ended Year Ended Year Ended Year Ended Year Ended Fund Balance Underwriting Income 8,304,915 23,690,399 21,153,241 19,805,748 15,926,169 14,499,012 14,791,553 13,363,866 11,387,783 7,922,382 5,593,345 3,396, ,834,548 Claim Expenses Losses 705,138 9,521,873 8,250,443 8,073,303 7,718,449 6,676,260 6,434,040 5,211,403 4,477,993 3,514,738 1,853, ,582 63,181,696 Loss Adjustment Expenses 142,278 1,258,565 2,257,615 3,032,527 3,208,442 3,062,251 3,459,791 2,639,707 2,259,059 2,388, , ,567 24,778,708 IBNR 2,952,366 4,686,206 1,715, , , , , ,945 59,209 58,829 9,696 4,646 11,862,061 EPL Deductible & CoInsurance (143,200) (760,807) (348,121) (642,629) (156,270) (240,640) (222,743) (197,428) (208,929) (259,649) (48,080) (65,918) (3,294,414) Excess Recoveries (29,000) (4,630,723) (1,103,225) (403,456) (2,371,169) (2,006,414) (699,122) (100,000) (656,316) (385,893) (119,879) (12,505,196) WC (654,545) (395,915) (107,523) (56,001) (656,316) (384,893) (119,719) (2,374,912) GL (870,254) (10,415) (880,669) AL (707,676) (1,750,000) (2,457,676) Property (29,000) (4,630,723) (373,409) (7,541) (248) (1,000) (160) (5,042,081) EPL/POL (75,271) (206,990) (128,674) (608,343) (100,000) (1,119,278) EPL/POL Aggregate Stop (478,726) (71,739) (80,116) (630,581) Corridor Retention Endorsement All Lines Aggregate Stop Total Claim Expense 3,627,582 10,075,115 10,772,364 10,753,925 8,957,925 8,156,992 9,254,289 7,728,626 5,931,016 5,316,499 2,597, ,998 84,022,854 Expenses Excess Premiums 1,995,583 5,188,128 4,047,006 3,922,628 3,583,325 3,487,963 3,441,417 3,586,174 4,594,367 3,757,561 2,282,855 1,129,093 41,016,100 General Administrative Expenses 2,186,493 6,015,415 5,019,195 4,236,550 3,410,553 3,149,211 3,209,879 3,072,388 2,385,474 1,778,528 1,253, ,916 36,508,952 Total Expenses 4,182,076 11,203,543 9,066,201 8,159,178 6,993,878 6,637,174 6,651,296 6,658,562 6,979,841 5,536,089 3,536,205 1,921,009 77,525,052 Underwriting Profit/(Loss) 495,257 2,411,741 1,314, ,645 (25,634) (295,154) (1,114,032) (1,023,322) (1,523,074) (2,930,206) (540,382) 624,128 (1,713,358) Net Realized/Unrealized Gains/(Losses) 1,439 24, , , , ,501 46, ,633 1,030,710 Interest Income 1,815 20,062 81, , , , , , , , , ,978 2,386,067 Net Investment Income 3,255 44, , , , , , , , , , ,610 3,416,777 Statutory Surplus (Deficit) 498,511 2,456,349 1,710,075 1,310, ,285 4,520 (627,670) (388,343) (1,160,737) (2,810,093) (398,852) 837,738 1,703,418 Note 1 : Ultimate losses based upon the 2012 yearend reserve study. Note 2: Fund years 2010 through 2013 include an aggregate stop loss protection to cap loss at ~$10.9m in 2010, ~$11.8m in 2011, ~$13.4m in 2012, and ~$14.2m in Note 3: Dean vs. Highland Park 2008 AL Claim. Total Incurred was reduced from $10M to $2M to match excess carrier reserves. Overall Statistics Total Members Total Claims 735 2,720 2,501 2,234 1,962 1,992 2,117 2,260 1,949 1,344 1, ,489 Total Claims per Member* Total Open Claims ,553 Total Case Reserve Per Claim 1,129 5,425 23,488 22,112 26,932 22,801 27,522 22,249 8,641 17,864 13,161 4,264 11,103 Net Loss Ratio** 17.2% 67.9% 80.6% 91.1% 113.8% 118.0% 104.8% 107.6% 139.5% 186.1% 113.1% 55.4% 95.5%

10 Garden State Municipal Joint Insurance Fund Monthly Status Report May 22, 2013 MEMO TO: INSURANCE FUND CHAIRMAN RODINO FROM: PATRICK J. DEBLASIO, CPA, CMFO, CGFM, FUND TREASURER Please be advised that the following is an update of the status of the Garden State Municipal Joint Insurance Fund: March April Beginning Cash Balance Custodial AccountsTD Bank $ 43, $ 246, Claims AccountBank of America 2,688, ,897, NJ Cash Management 1,626, , CustodialInvestments 22,107, ,109, Total Balance $ 26,465, $ 31,879, Receipts: Totals YTD Interest Income $ 3, $ 4, $ 14, Investment IncomeRealized Gains $ $ Custodial Account ReceiptsTD Bank $ 922, $ 995, Claims Account ReceiptsBank of America $ 8,313, $ 2,028, NJ Cash Management Activity Receipts $ $ BAC Custodial/Investments $ 2,105, $ 5,010, Total Receipts $ 11,340, $ 8,034, Disbursements: Custodial Account DisbursementsTD Bank $ 719, $ 1,088, Claims Account DisbursementsBank of America $ 3,103, $ 6,885, NJ Cash Management Activity Disbursements $ 1,000, BAC Custodial Account $ 1,103, Total Disbursements $ 5,926, $ 7,973, Ending Cash Balance $ 31,879, $ 31,940, Prepared by PJD 5/16/2013 Page 1

11 BANK RECONCILIATION ACCT.NAME State of New Jersey BANK/ACCT# Cash Management Fund From To DATE 04/01/13 04/30/13 BOOK BALANCE AS OF 04/01/13 $ 626, ADD DEPOSITS (PER BANK LEDGER) SUBTRACT:DISBURSEMENTS(PER BANK LEDGER) BOOK BALANCE AS OF 04/30/13 $ 626, BALANCE PER BANK STATEMENT 04/30/13 $626, ADD: DEPOSIT IN TRANSIT DATE AMOUNT SUBTRACT: CHECKS OUTSTANDING DATE CHECK# AMOUNT TOTAL LIST ITEMS IN LEDGER NOT ON STATEMENT TOTAL DATE AMOUNT LIST ITEMS ON STATEMENT NOT IN LEDGER DATE AMOUNT TOTAL $ 0.00 TOTAL 0.00 ADJUSTED BANK BALANCE(BOOK BAL)AS OF 04/30/13 626, Difference 0.00 PREPARED BY Patrick J. DeBlasio, CPA REVIEWED BY Mary Foulks

12 BANK RECONCILIATION ACCT.NAME Bank of America BANK/ACCT# Fiduciary Account From To DATE 04/01/13 04/30/13 BOOK BALANCE AS OF 04/01/13 $ 7,897, ADD DEPOSITS (PER BANK LEDGER) 2,028, SUBTRACT:DISBURSEMENTS(PER BANK LEDGER) 6,885, BOOK BALANCE AS OF 04/30/13 $ 3,041, BALANCE PER BANK STATEMENT 04/30/13 $3,080, ADD: DEPOSIT IN TRANSIT DATE AMOUNT SUBTRACT: CHECKS OUTSTANDING DATE CHECK# AMOUNT 02/22/ /17/ , /17/ , /17/ /17/ /17/ , /17/ , /17/ /17/ , /17/ , TOTAL LIST ITEMS IN LEDGER NOT ON STATEMENT TOTAL 39, (39,369.14) DATE AMOUNT LIST ITEMS ON STATEMENT NOT IN LEDGER DATE AMOUNT TOTAL $ 0.00 TOTAL 0.00 ADJUSTED BANK BALANCE(BOOK BAL)AS OF 04/30/13 3,041, Difference 0.00 PREPARED BY Patrick J. DeBlasio, CPA REVIEWED BY Mary Foulks

13 BANK RECONCILIATION ACCT.NAME Bank of America/Prime BANK/ACCT# Custody Account From To DATE 04/01/13 04/30/13 BOOK BALANCE AS OF 04/01/13 $ 23,109, ADD DEPOSITS (PER BANK LEDGER) 5,010, SUBTRACT:DISBURSEMENTS(PER BANK LEDGER) BOOK BALANCE AS OF 04/30/13 $ 28,119, BALANCE PER BANK STATEMENT 04/30/13 $28,119, ADD: DEPOSIT IN TRANSIT DATE AMOUNT SUBTRACT: CHECKS OUTSTANDING DATE CHECK# AMOUNT TOTAL LIST ITEMS IN LEDGER NOT ON STATEMENT TOTAL DATE AMOUNT LIST ITEMS ON STATEMENT NOT IN LEDGER DATE AMOUNT TOTAL $ 0.00 TOTAL 0.00 ADJUSTED BANK BALANCE(BOOK BAL)AS OF 04/30/13 28,119, Difference 0.00 PREPARED BY Patrick J. DeBlasio, CPA REVIEWED BY Mary Foulks

14 BANK RECONCILIATION ACCT.NAME TD Bank BANK/ACCT# Custody Account From To DATE 04/01/13 04/30/13 BOOK BALANCE AS OF 04/01/13 $ 246, ADD DEPOSITS (PER BANK LEDGER) 995, SUBTRACT:DISBURSEMENTS(PER BANK LEDGER) 1,088, BOOK BALANCE AS OF 04/30/13 $ 153, BALANCE PER BANK STATEMENT 04/30/13 $423, ADD: DEPOSIT IN TRANSIT DATE AMOUNT SUBTRACT: CHECKS OUTSTANDING DATE CHECK# AMOUNT 04/30/12 list 270, TOTAL LIST ITEMS IN LEDGER NOT ON STATEMENT TOTAL 270, (270,848.28) DATE AMOUNT LIST ITEMS ON STATEMENT NOT IN LEDGER DATE AMOUNT TOTAL $ 0.00 TOTAL 0.00 ADJUSTED BANK BALANCE(BOOK BAL)AS OF 04/30/13 153, Difference 0.00 PREPARED BY Patrick J. DeBlasio, CPA REVIEWED BY Mary Foulks

15 RESOLUTION NO GARDEN STATE MUNICIPAL JOINT INSURANCE FUND (Hereinafter the FUND ) APPROVING CERTAIN DISBURSEMENTS WHEREAS, the Bylaws of the GSMJIF require that the Fund Commissioners approve all disbursements by a majority vote, and WHEREAS, the attached bill of items sets forth certain bills or demands for monies; NOW, THEREFORE BE IT RESOLVED, by the FUND s Board of Fund Commissioners that the attached bill of items totaling $1,167, for payment. Adopted: this day by the Board of Fund Commissioners Chairman Date May 22 nd, 2013 Secretary Date May 22 nd, 2013

16 May 22, 2013 GSMJIF Comissioners Meeting Bills List Date: Invoice #: 17 Notes Description COMMENTS Check #/WT Invoice Amt. Patrick DeBlasio Earl Miller Pringle Quinn Anzano Capehart Scatchard Dynamic Testing for Services in May 2013 #973 $1, GSMJIF Meeting Venue Woodbridge Hilton #974 $2, JIF General Counsel #975 $ Various Open Files #976 $1, Drug Screening Bloomfield #977 $ The Star Ledger Meeting Notice we have a credit of $15.08 we will use for this billing Cycle NA $0.00 The Times Princeton Public Affairs Meeting Notice We have a credit of $24.94 we will use for this billing Cycle NA $0.00 Retainer Fee May 2013 #978 $ QualLynx Adjuster Service Various Invoice #36731 #979 $412, ASL Interpreter Ref. Svs. Sign language for Defensive Driving ParsippanyTroy Hills Invoice # #980 $1, Bank of America/Merrill Lynch Quarterly Fees #981 $2, WIRE TRANSGERS PMA Insurance City of Hoboken Prepay Settlement Claim L Policy Paid May 6, 2013 $93, PMA Insurance PMA Insurance PMA Insurance PMA Insurance PMA Insurance PMA Insurance PMA Insurance PMA Insurance PMA Insurance Berkeley Township $14, City of Rahway $31, City of Hoboken $70, Hamilton Township $236, Livingston Township $102, Montclair Township $26, Borough of North Plainfield $30.00 Township of Ewing $19, Townshio of Howell $1,621.43

17 Notes Description COMMENTS Check #/WT Invoice Amt. Pg. 2 PMA Insurance Union Township $48, PMA Insurance Risk Control Invoices for May and June payment #5 & #6 installs for 2013 $66, Total to PMA month of May 2013 $616, BGIA BGIA Invoice # Travelers 2013 Prop. Policy Endr. #13 Builders Risk Borough Highland Park Invoice # Artex Excess Casualty Placement Service Fee $3, $30, Total to BGIA month of May 2013 $33, Subtotal $ 1,167, Total $ 1,167,095.48

18 RESOLUTION NO GARDEN STATE MUNICIPAL JOINT INSURANCE FUND (Hereinafter referred to as the FUND ) APPROVING CLAIMS PAYMENTS BE IT RESOLVED by the Board of Fund Commissioners of the Garden State Municipal Joint Insurance Fund, that confirmation and authorization approval is made in issuance of the attached claims payments totaling 2,226, against the fund. ADOPTED: this day before the Board of Fund Commissioners: Chairman Date May 22 nd, 2013 Secretary Date May 22 nd, 2013

19 RESOLUTION NO RESOLUTION APPOINTING APPROVED COUNSEL FOR THE GARDEN STATE MUNICIPAL JOINT INSURANCE FUND WHEREAS, the Garden State Municipal Joint Insurance Fund is responsible for providing a defense to certain claims brought against its members in accordance with the Fund s coverage documents; and WHEREAS, in order to appoint defense counsel, a law firm must be on the approved counsel list of the Garden State Municipal Joint Insurance Fund to defend any members of the Fund; and WHEREAS, the law firms shown in this resolution (3) have been proposed as Counsel for the Garden State Municipal Joint Insurance Fund for the year 2013; NOW, THEREFORE BE IT RESOLVED, by the Board of Fund Commissioners of the Garden State Municipal Joint Insurance Fund that the law firms named in this resolution be and the same are hereby appointed as an approved counsel for the Garden State Municipal Joint Insurance Fund for the year 2013: Brenda Coppola Cuba, Esq. Trimboli & Prusinowski Law Offices of Brenda Coppola Cuba 210 Park Avenue 324 East Broad Street Suite 302 PO Box 2640 Florham Park NJ Westfield, NJ Thomas B. Hanrahan, Esq. Thomas B. Hanrahan & Associates, LLC 80 Grand Avenue, Suite No. 2 River Edge, New Jersey BE IT FURTHER RESOLVED that the Chairman of the Garden State Municipal Joint Insurance Fund is hereby authorized to execute this resolution; GARDEN STATE MUNICIPAL JOINT INSURANCE FUND Chairman Date May 22 nd, 2013 Secretary Date May 22 nd, 2013

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21 Garden State Municipal Joint Insurance Fund Claim Activity Report All Fund Years Reported to QualLynx Type Policy Effective Year Group Name #Claims #Open Total Incurred Average of Incurred AL 2010 CITY OF HOBOKEN 1 0 $ $ CITY OF RAHWAY 1 0 $ $ 2010 Total 2 0 $ $ 2011 BERKELEY TOWNSHIP 1 0 $ $ BOROUGH OF MIDDLESEX 1 0 $ $ CITY OF HOBOKEN 1 0 $ $ CITY OF RAHWAY 3 2 $ 2, $ LIVINGSTON TOWNSHIP 2 0 $ $ TOWN OF MORRISTOWN 1 0 $ $ TOWNSHIP OF EWING 2 0 $ 2, $ 1, TOWNSHIP OF MAPLEWOOD 1 0 $ $ TOWNSHIP OF MONTCLAIR 1 0 $ $ TOWNSHIP OF UNION 4 0 $ 1, $ TWP OF WEST ORANGE 1 0 $ $ Total 18 2 $ 7, $ BERKELEY TOWNSHIP 11 2 $ 3, $ BORO OF CALDWELL 11 2 $ 2, $ BORO OF HIGHLAND PARK 2 0 $ $ BORO OF NORTH PLAINFIELD 7 1 $ $ BOROUGH OF HADDON HEIGHTS 1 0 $ $ BOROUGH OF KENILWORTH 1 0 $ 1, $ 1, BOROUGH OF MIDDLESEX 3 0 $ $ CITY OF ENGLEWOOD 17 4 $ 3, $ CITY OF HOBOKEN 9 0 $ 1, $ CITY OF RAHWAY 7 2 $ 10, $ 1, HOWELL TOWNSHIP 13 3 $ 4, $ LIVINGSTON TOWNSHIP 5 0 $ $ TOWN OF HARRISON 3 2 $ 2, $ TOWN OF MORRISTOWN 4 0 $ 1, $ TOWNSHIP OF BLOOMFIELD 5 2 $ 12, $ 2, TOWNSHIP OF EASTAMPTON 4 0 $ 3, $ TOWNSHIP OF EWING 3 1 $ 17, $ 5, TOWNSHIP OF FREEHOLD 10 0 $ 5, $ TOWNSHIP OF HAMILTON 2 0 $ $ TOWNSHIP OF MAPLEWOOD 11 2 $ 13, $ 1, TOWNSHIP OF MONTCLAIR 8 0 $ 2, $ TOWNSHIP OF MORRIS 8 4 $ 2, $ TOWNSHIP OF UNION 20 0 $ 23, $ 1, TOWNSHIP OF WARREN 2 0 $ $ TWP OF MANALAPAN 6 4 $ 5, $ TWP OF NORTH BRUNSWICK 12 0 $ 1, $ TWP OF PARSIPPANY 16 2 $ 7, $ TWP OF WEST ORANGE 11 2 $ $ Total $ 128, $ Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013

22 Garden State Municipal Joint Insurance Fund Claim Activity Report All Fund Years Reported to QualLynx Type Policy Effective Year Group Name #Claims #Open Total Incurred Average of Incurred 2013 BERKELEY TOWNSHIP 5 3 $ 1, $ BORO OF CALDWELL 2 0 $ 4, $ 2, BORO OF FAIR HAVEN 1 1 $ $ BORO OF HIGHLAND PARK 2 0 $ $ BORO OF NORTH PLAINFIELD 5 3 $ $ BOROUGH OF HADDON HEIGHTS 1 0 $ $ BOROUGH OF KENILWORTH 1 1 $ $ CITY OF ENGLEWOOD 1 1 $ $ CITY OF HOBOKEN 4 3 $ 2, $ CITY OF LINDEN 6 6 $ 9, $ 1, CITY OF RAHWAY 1 1 $ $ HOWELL TOWNSHIP 2 1 $ 1, $ LIVINGSTON TOWNSHIP 1 1 $ $ TOWN OF MORRISTOWN 1 1 $ $ TOWNSHIP OF BLOOMFIELD 2 1 $ 2, $ 1, TOWNSHIP OF FREEHOLD 6 1 $ $ TOWNSHIP OF LAWERENCE 2 2 $ 1, $ TOWNSHIP OF MAPLEWOOD 7 5 $ 3, $ TOWNSHIP OF MONTCLAIR 6 6 $ 3, $ TOWNSHIP OF UNION 6 2 $ $ TOWNSHIP OF WARREN 1 0 $ 2, $ 2, TWP OF NORTH BRUNSWICK 4 4 $ 6, $ 1, TWP OF PARSIPPANY 7 6 $ 15, $ 2, TWP OF WEST ORANGE 5 3 $ 1, $ Total $ 57, $ AL Total $ 193, $ AP 2011 BERKELEY TOWNSHIP 1 0 $ 9, $ 9, BORO OF HIGHLAND PARK 1 0 $ $ CITY OF HOBOKEN 1 0 $ $ CITY OF RAHWAY 2 0 $ $ LIVINGSTON TOWNSHIP 1 0 $ $ TOWN OF MORRISTOWN 1 0 $ 2, $ 2, TOWNSHIP OF MAPLEWOOD 1 0 $ $ TWP OF NORTH BRUNSWICK 1 0 $ $ TWP OF WEST ORANGE 1 0 $ 16, $ 16, Total 10 0 $ 30, $ 3, Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013

23 Garden State Municipal Joint Insurance Fund Claim Activity Report All Fund Years Reported to QualLynx Type Policy Effective Year Group Name #Claims #Open Total Incurred Average of Incurred 2012 BERKELEY TOWNSHIP $ 137, $ 3, BORO OF CALDWELL 7 1 $ 6, $ BORO OF FAIR HAVEN 2 0 $ $ BORO OF HIGHLAND PARK 16 1 $ 12, $ BORO OF NORTH PLAINFIELD 13 0 $ 1, $ BOROUGH OF HADDON HEIGHTS 2 0 $ 7, $ 3, BOROUGH OF KENILWORTH 1 0 $ $ BOROUGH OF MIDDLESEX 5 0 $ 118, $ 23, CITY OF ENGLEWOOD 14 2 $ 50, $ 3, CITY OF HOBOKEN 10 1 $ 270, $ 27, CITY OF RAHWAY 4 0 $ $ HOWELL TOWNSHIP 19 2 $ 26, $ 1, LIVINGSTON TOWNSHIP 13 3 $ 79, $ 6, TOWN OF HARRISON 6 0 $ 37, $ 6, TOWN OF MORRISTOWN 7 0 $ 14, $ 2, TOWNSHIP OF BLOOMFIELD 5 0 $ 3, $ TOWNSHIP OF EASTAMPTON 3 0 $ 5, $ 1, TOWNSHIP OF EWING 3 1 $ 3, $ 1, TOWNSHIP OF FREEHOLD 14 0 $ 41, $ 2, TOWNSHIP OF HAMILTON 4 0 $ 5, $ 1, TOWNSHIP OF MAPLEWOOD 17 2 $ 32, $ 1, TOWNSHIP OF MONTCLAIR 19 0 $ 9, $ TOWNSHIP OF MORRIS 23 1 $ 19, $ TOWNSHIP OF UNION 23 0 $ 26, $ 1, TOWNSHIP OF WARREN 13 0 $ 16, $ 1, TWP OF MANALAPAN 10 2 $ 44, $ 4, TWP OF NORTH BRUNSWICK 25 1 $ 47, $ 1, TWP OF PARSIPPANY 25 2 $ 87, $ 3, TWP OF WEST ORANGE 28 0 $ 30, $ 1, Total $ 1,139, $ 3, Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013

24 Garden State Municipal Joint Insurance Fund Claim Activity Report All Fund Years Reported to QualLynx Type Policy Effective Year Group Name #Claims #Open Total Incurred Average of Incurred 2013 BERKELEY HEIGHTS 4 1 $ 1, $ BERKELEY TOWNSHIP 8 2 $ 13, $ 1, BORO OF CALDWELL 2 1 $ $ BORO OF FAIR HAVEN 1 1 $ 1, $ 1, BORO OF HIGHLAND PARK 2 0 $ $ BORO OF NORTH PLAINFIELD 7 4 $ 7, $ 1, BOROUGH OF HADDON HEIGHTS 2 0 $ $ BOROUGH OF KENILWORTH 3 0 $ 7, $ 2, CITY OF ENGLEWOOD 1 1 $ 9, $ 9, CITY OF HOBOKEN 3 1 $ $ CITY OF LINDEN 11 1 $ 1, $ CITY OF RAHWAY 2 1 $ 1, $ HOWELL TOWNSHIP 3 2 $ 2, $ LIVINGSTON TOWNSHIP 3 0 $ 22, $ 7, TOWN OF MORRISTOWN 3 3 $ 9, $ 3, TOWNSHIP OF BLOOMFIELD 1 0 $ $ TOWNSHIP OF EWING 1 0 $ $ TOWNSHIP OF FREEHOLD 6 2 $ 7, $ 1, TOWNSHIP OF LAWERENCE 2 2 $ 4, $ 2, TOWNSHIP OF MAPLEWOOD 7 4 $ 3, $ TOWNSHIP OF MONTCLAIR 4 4 $ 8, $ 2, TOWNSHIP OF MORRIS 3 2 $ 17, $ 5, TOWNSHIP OF UNION 8 3 $ 18, $ 2, TOWNSHIP OF WARREN 2 2 $ 18, $ 9, TWP OF NORTH BRUNSWICK 6 1 $ 4, $ TWP OF PARSIPPANY 9 5 $ 6, $ TWP OF WEST ORANGE 6 2 $ 11, $ 1, Total $ 177, $ 1, AP Total $ 1,347, $ 2, Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013

25 Garden State Municipal Joint Insurance Fund Claim Activity Report All Fund Years Reported to QualLynx Type Policy Effective Year Group Name #Claims #Open Total Incurred Average of Incurred EP 2012 BLOOMFIELD 1 0 $ $ BORO OF CALDWELL 1 1 $ 76, $ 76, CITY OF ENGLEWOOD 2 2 $ 153, $ 76, CITY OF HOBOKEN 3 3 $ 244, $ 81, HOWELL TOWNSHIP 5 4 $ 256, $ 51, MONTCLAIR TOWSHIP 1 1 $ 78, $ 78, TOWN OF MORRISTOWN 2 2 $ 203, $ 101, TOWNSHIP OF HAMILTON 3 3 $ 293, $ 97, TOWNSHIP OF MORRIS 1 1 $ 15, $ 15, TOWNSHIP OF UNION 1 1 $ 78, $ 78, TOWNSHIP OF WARREN 1 1 $ 76, $ 76, TWP OF PARSIPPANY 1 0 $ $ TWP OF WEST ORANGE 1 1 $ 132, $ 132, Total $ 1,606, $ 69, CITY OF ENGLEWOOD 1 1 $ 76, $ 76, CITY OF HOBOKEN 1 1 $ 76, $ 76, CITY OF LINDEN 1 1 $ 1, $ 1, MONTCLAIR TOWSHIP 6 6 $ 3, $ TOWN OF MORRISTOWN 1 1 $ 1, $ 1, TOWNSHIP OF HAMILTON 2 1 $ 76, $ 38, Total $ 233, $ 19, EP Total $ 1,839, $ 52, GL 2006 TOWNSHIP OF UNION 1 0 $ $ Total 1 0 $ $ CITY OF ENGLEWOOD 1 0 $ $ 2008 Total 1 0 $ $ 2009 BORO OF CALDWELL 1 0 $ $ TWP OF MANALAPAN 1 1 $ 34, $ 34, Total 2 1 $ 34, $ 17, BERKELEY TOWNSHIP 1 1 $ 31, $ 31, BORO OF CALDWELL 1 1 $ 31, $ 31, BORO OF NORTH PLAINFIELD 1 0 $ 8.90 $ 8.90 BOROUGH OF KENILWORTH 1 1 $ 31, $ 31, CITY OF ENGLEWOOD 2 1 $ 77, $ 38, CITY OF HOBOKEN 3 1 $ 1, $ HOWELL TOWNSHIP 1 1 $ 1, $ 1, TOWNSHIP OF EWING 3 1 $ 31, $ 10, TOWNSHIP OF MAPLEWOOD 1 0 $ 2, $ 2, TOWNSHIP OF MONTCLAIR 5 1 $ 131, $ 26, TOWNSHIP OF MORRIS 1 1 $ 1, $ 1, TOWNSHIP OF UNION 1 1 $ 82, $ 82, TWP OF MANALAPAN 1 1 $ 31, $ 31, TWP OF WEST ORANGE 1 1 $ 31, $ 31, Total $ 483, $ 21, Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013

26 Garden State Municipal Joint Insurance Fund Claim Activity Report All Fund Years Reported to QualLynx Type Policy Effective Year Group Name #Claims #Open Total Incurred Average of Incurred 2011 BERKELEY TOWNSHIP 1 0 $ $ BORO OF CALDWELL 2 1 $ 32, $ 16, BORO OF HIGHLAND PARK 3 1 $ 31, $ 10, BOROUGH OF KENILWORTH 2 1 $ 60, $ 30, BOROUGH OF MIDDLESEX 2 0 $ $ CITY OF ENGLEWOOD 7 1 $ 31, $ 4, CITY OF HOBOKEN 11 3 $ 94, $ 8, CITY OF RAHWAY 2 0 $ $ HOWELL TOWNSHIP 1 0 $ $ LIVINGSTON TOWNSHIP 4 0 $ $ TOWN OF MORRISTOWN 2 0 $ 1, $ TOWNSHIP OF EWING 1 1 $ 31, $ 31, TOWNSHIP OF FREEHOLD 6 1 $ 1, $ TOWNSHIP OF MAPLEWOOD 3 0 $ $ TOWNSHIP OF MONTCLAIR 11 1 $ 38, $ 3, TOWNSHIP OF UNION 15 2 $ 88, $ 5, TOWNSHIP OF WARREN 1 0 $ 2, $ 2, TWP OF MANALAPAN 9 2 $ 2, $ TWP OF NORTH BRUNSWICK 3 0 $ 4, $ 1, TWP OF WEST ORANGE 22 1 $ 91, $ 4, Total $ 513, $ 4, BERKELEY TOWNSHIP 6 3 $ 5, $ BORO OF CALDWELL 14 1 $ 37, $ 2, BORO OF FAIR HAVEN 1 1 $ 31, $ 31, BORO OF FANWOOD 5 1 $ 2, $ BORO OF HIGHLAND PARK 19 2 $ 77, $ 4, BORO OF NORTH PLAINFIELD 11 2 $ 36, $ 3, BOROUGH OF HADDON HEIGHTS 4 0 $ $ BOROUGH OF KENILWORTH 8 0 $ 8.90 $ 1.11 BOROUGH OF MIDDLESEX 3 0 $ $ CITY OF ENGLEWOOD 33 8 $ 75, $ 2, CITY OF HOBOKEN $ 51, $ CITY OF RAHWAY 29 8 $ 10, $ HOWELL TOWNSHIP 21 7 $ 87, $ 4, LIVINGSTON TOWNSHIP 40 3 $ 135, $ 3, TOWN OF HARRISON 5 0 $ 1, $ TOWN OF MORRISTOWN 21 4 $ 55, $ 2, TOWNSHIP OF BLOOMFIELD $ 14, $ TOWNSHIP OF EASTAMPTON 2 0 $ 8.90 $ 4.45 TOWNSHIP OF EWING 11 3 $ 3, $ TOWNSHIP OF FREEHOLD 21 3 $ 6, $ TOWNSHIP OF HAMILTON 10 2 $ 2, $ TOWNSHIP OF MAPLEWOOD 19 3 $ 5, $ TOWNSHIP OF MONTCLAIR 46 8 $ 19, $ TOWNSHIP OF MORRIS 8 1 $ 8, $ 1, TOWNSHIP OF UNION 33 5 $ 110, $ 3, TOWNSHIP OF WARREN 5 0 $ 4, $ TWP OF MANALAPAN 11 5 $ 5, $ TWP OF NORTH BRUNSWICK 23 1 $ 17, $ TWP OF PARSIPPANY 28 2 $ 4, $ TWP OF WEST ORANGE 35 3 $ 24, $ Total $ 836, $ 1, Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013

27 Garden State Municipal Joint Insurance Fund Claim Activity Report All Fund Years Reported to QualLynx Type Policy Effective Year Group Name #Claims #Open Total Incurred Average of Incurred 2013 BERKELEY HEIGHTS 3 0 $ $ BERKELEY TOWNSHIP 1 0 $ $ BORO OF CALDWELL 4 0 $ $ BORO OF FANWOOD 1 1 $ 1, $ 1, BORO OF HIGHLAND PARK 1 1 $ 1, $ 1, BOROUGH OF HADDON HEIGHTS 1 0 $ $ BOROUGH OF KENILWORTH 3 2 $ 2, $ CITY OF ENGLEWOOD 3 1 $ 1, $ CITY OF HOBOKEN 11 6 $ 6, $ CITY OF LINDEN 7 6 $ 6, $ CITY OF RAHWAY 8 5 $ 35, $ 4, HOWELL TOWNSHIP 5 3 $ 2, $ LIVINGSTON TOWNSHIP 6 5 $ 4, $ TOWN OF HARRISON 2 0 $ $ TOWNSHIP OF BLOOMFIELD 4 2 $ 1, $ TOWNSHIP OF EWING 1 0 $ $ TOWNSHIP OF FREEHOLD 2 0 $ $ TOWNSHIP OF HAMILTON 4 1 $ 24, $ 6, TOWNSHIP OF LAWERENCE 3 1 $ 1, $ TOWNSHIP OF MAPLEWOOD 3 0 $ $ TOWNSHIP OF MONTCLAIR 9 7 $ 7, $ TOWNSHIP OF MORRIS 1 0 $ $ TOWNSHIP OF UNION 3 2 $ 2, $ TOWNSHIP OF WARREN 1 0 $ $ TWP OF NORTH BRUNSWICK 4 2 $ 3, $ TWP OF PARSIPPANY 7 3 $ 6, $ TWP OF WEST ORANGE 4 3 $ 3, $ Total $ 111, $ 1, GL Total $ 1,979, $ 2, PO 2012 BERKELEY TOWNSHIP 1 0 $ $ BORO OF CALDWELL 2 0 $ 3, $ 1, BORO OF FANWOOD 1 0 $ $ BORO OF HIGHLAND PARK 2 1 $ 1, $ BORO OF NORTH PLAINFIELD 2 1 $ 15, $ 7, BOROUGH OF HADDON HEIGHTS 1 0 $ $ BOROUGH OF KENILWORTH 1 1 $ 46, $ 46, BOROUGH OF MIDDLESEX 1 0 $ 4, $ 4, CITY OF ENGLEWOOD 1 0 $ 3, $ 3, CITY OF HOBOKEN 18 1 $ 25, $ 1, CITY OF RAHWAY 1 1 $ 35, $ 35, MONTCLAIR TOWSHIP 2 0 $ 1, $ TOWN OF MORRISTOWN 1 0 $ $ TOWNSHIP OF MAPLEWOOD 1 0 $ 4, $ 4, TOWNSHIP OF MORRIS 2 1 $ 17, $ 8, TOWNSHIP OF UNION 3 1 $ 83, $ 27, TOWNSHIP OF WARREN 1 0 $ $ TWP OF PARSIPPANY 3 0 $ 9, $ 3, TWP OF WEST ORANGE 1 0 $ $ 2012 Total 45 7 $ 253, $ 5, Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013

28 Garden State Municipal Joint Insurance Fund Claim Activity Report All Fund Years Reported to QualLynx Type Policy Effective Year Group Name #Claims #Open Total Incurred Average of Incurred 2013 BERKELEY HEIGHTS 2 1 $ 31, $ 15, BERKELEY TOWNSHIP 1 1 $ 1, $ 1, BORO OF CALDWELL 1 1 $ 1, $ 1, BORO OF FANWOOD 1 1 $ 1, $ 1, BOROUGH OF MIDDLESEX 1 0 $ $ CITY OF HOBOKEN 6 1 $ 31, $ 5, CITY OF RAHWAY 1 0 $ $ HOWELL TOWNSHIP 1 0 $ $ MONTCLAIR TOWSHIP 1 1 $ 1, $ 1, TOWN OF MORRISTOWN 2 1 $ 1, $ TWP OF MANALAPAN 1 0 $ $ TWP OF PARSIPPANY 2 0 $ $ 2013 Total 20 7 $ 68, $ 3, PO Total $ 321, $ 4, PR 2011 CITY OF RAHWAY 3 0 $ 6, $ 2, LIVINGSTON TOWNSHIP 4 0 $ 2, $ TOWN OF HARRISON 1 0 $ $ TWP OF NORTH BRUNSWICK 1 0 $ $ Total 9 0 $ 9, $ 1, BERKELEY TOWNSHIP $ 312, $ 9, BORO OF CALDWELL 5 0 $ 36, $ 7, BORO OF FAIR HAVEN 11 1 $ 24, $ 2, BORO OF FANWOOD 2 0 $ 8, $ 4, BORO OF HIGHLAND PARK 7 0 $ 2, $ BORO OF NORTH PLAINFIELD 4 0 $ $ BOROUGH OF HADDON HEIGHTS 3 0 $ $ BOROUGH OF KENILWORTH 1 0 $ $ BOROUGH OF MIDDLESEX 12 2 $ 43, $ 3, CITY OF ENGLEWOOD 8 2 $ 396, $ 49, CITY OF HOBOKEN $ 1,928, $ 77, CITY OF RAHWAY $ 1,416, $ 48, HOWELL TOWNSHIP 3 1 $ 22, $ 7, LIVINGSTON TOWNSHIP 3 0 $ 9, $ 3, TOWN OF HARRISON 9 5 $ 226, $ 25, TOWN OF MORRISTOWN 1 0 $ $ TOWNSHIP OF EASTAMPTON 1 0 $ $ TOWNSHIP OF EWING 1 0 $ $ TOWNSHIP OF FREEHOLD 5 1 $ 179, $ 35, TOWNSHIP OF MAPLEWOOD 2 0 $ 1, $ TOWNSHIP OF MONTCLAIR 4 0 $ $ TOWNSHIP OF MORRIS 5 0 $ 5, $ 1, TOWNSHIP OF UNION 3 0 $ 5, $ 1, TOWNSHIP OF WARREN 5 0 $ 7, $ 1, TWP OF MANALAPAN 3 0 $ 2, $ TWP OF NORTH BRUNSWICK 17 0 $ 58, $ 3, TWP OF PARSIPPANY 15 6 $ 179, $ 11, TWP OF WEST ORANGE 1 0 $ $ 2012 Total $ 4,870, $ 22, Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013

29 Garden State Municipal Joint Insurance Fund Claim Activity Report All Fund Years Reported to QualLynx Type Policy Effective Year Group Name #Claims #Open Total Incurred Average of Incurred 2013 BERKELEY HEIGHTS 1 0 $ 11, $ 11, BORO OF CALDWELL 2 0 $ $ BORO OF HIGHLAND PARK 1 1 $ $ BOROUGH OF HADDON HEIGHTS 2 0 $ 2, $ 1, CITY OF ENGLEWOOD 2 0 $ $ LIVINGSTON TOWNSHIP 2 0 $ $ TOWNSHIP OF FREEHOLD 1 1 $ 79, $ 79, TOWNSHIP OF MORRIS 2 1 $ 5, $ 2, TWP OF NORTH BRUNSWICK 1 1 $ 1, $ 1, TWP OF PARSIPPANY 3 1 $ 2, $ Total 17 5 $ 102, $ 6, PR Total $ 4,982, $ 20, WC 2006 BERKELEY TOWNSHIP 1 1 $ 8, $ 8, CITY OF RAHWAY 1 1 $ 8, $ 8, Total 2 2 $ 17, $ 8, TOWNSHIP OF MONTCLAIR 1 1 $ 11, $ 11, Total 1 1 $ 11, $ 11, BORO OF CALDWELL 1 1 $ 15, $ 15, CITY OF HOBOKEN 5 4 $ 44, $ 8, TOWNSHIP OF FREEHOLD 1 1 $ 25, $ 25, Total 7 6 $ 85, $ 12, CITY OF ENGLEWOOD 1 0 $ $ CITY OF HOBOKEN 3 3 $ 66, $ 22, LIVINGSTON TOWNSHIP 2 0 $ 5, $ 2, TOWNSHIP OF EWING 1 0 $ $ TOWNSHIP OF MONTCLAIR 1 1 $ 22, $ 22, TOWNSHIP OF UNION 1 0 $ 1, $ 1, TWP OF NORTH BRUNSWICK 1 1 $ 38, $ 38, Total 10 5 $ 134, $ 13, BERKELEY TOWNSHIP $ 420, $ 9, BORO OF CALDWELL 14 6 $ 87, $ 6, BORO OF FAIR HAVEN 6 1 $ 6, $ 1, BORO OF FANWOOD 5 3 $ 113, $ 22, BORO OF HIGHLAND PARK 15 3 $ 45, $ 3, BORO OF NEW PROVIDENCE 9 3 $ 164, $ 18, BORO OF NORTH PLAINFIELD 20 4 $ 66, $ 3, BOROUGH OF HADDON HEIGHTS 6 0 $ 26, $ 4, BOROUGH OF KENILWORTH 5 2 $ 6, $ 1, BOROUGH OF MIDDLESEX 15 5 $ 262, $ 17, CITY OF ENGLEWOOD $ 884, $ 12, CITY OF HOBOKEN $ 908, $ 9, CITY OF RAHWAY 29 5 $ 76, $ 2, HOWELL TOWNSHIP $ 439, $ 14, LIVINGSTON TOWNSHIP $ 568, $ 12, TOWN OF HARRISON 17 5 $ 36, $ 2, TOWN OF MORRISTOWN 37 9 $ 154, $ 4, TOWNSHIP OF EASTAMPTON 5 1 $ 9, $ 1, TOWNSHIP OF EWING $ 288, $ 5, TOWNSHIP OF FREEHOLD 21 5 $ 38, $ 1, TOWNSHIP OF HAMILTON $ 874, $ 6, TOWNSHIP OF MAPLEWOOD 28 5 $ 86, $ 3, TOWNSHIP OF MONTCLAIR $ 562, $ 8, TOWNSHIP OF MORRIS 26 4 $ 86, $ 3, TOWNSHIP OF UNION $ 295, $ 4, TOWNSHIP OF WARREN 12 0 $ 8, $ TWP OF MANALAPAN 16 3 $ 178, $ 11, TWP OF NORTH BRUNSWICK 46 8 $ 247, $ 5, TWP OF WEST ORANGE $ 360, $ 10, Total $ 7,307, $ 7, Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013

30 Garden State Municipal Joint Insurance Fund Claim Activity Report All Fund Years Reported to QualLynx Type Policy Effective Year Group Name #Claims #Open Total Incurred Average of Incurred 2013 BERKELEY HEIGHTS 4 4 $ 8, $ 2, BERKELEY TOWNSHIP $ 29, $ 1, BORO OF CALDWELL 3 2 $ 3, $ 1, BORO OF FAIR HAVEN 1 0 $ $ BORO OF FANWOOD 3 3 $ 17, $ 5, BORO OF HIGHLAND PARK 3 2 $ 3, $ 1, BORO OF NEW PROVIDENCE 4 4 $ 8, $ 2, BORO OF NORTH PLAINFIELD 2 2 $ 3, $ 1, BOROUGH OF HADDON HEIGHTS 1 1 $ 1, $ 1, BOROUGH OF KENILWORTH 4 4 $ 16, $ 4, CITY OF ENGLEWOOD 14 9 $ 96, $ 6, CITY OF HOBOKEN $ 190, $ 6, CITY OF LINDEN $ 121, $ 4, CITY OF RAHWAY 7 7 $ 12, $ 1, HOWELL TOWNSHIP 8 5 $ 8, $ 1, LIVINGSTON TOWNSHIP $ 28, $ 1, TOWN OF HARRISON 8 8 $ 10, $ 1, TOWN OF MORRISTOWN 7 6 $ 44, $ 6, TOWNSHIP OF EWING 8 7 $ 29, $ 3, TOWNSHIP OF FREEHOLD 7 5 $ 9, $ 1, TOWNSHIP OF HAMILTON $ 71, $ 2, TOWNSHIP OF LAWERENCE 5 5 $ 11, $ 2, TOWNSHIP OF MAPLEWOOD 11 6 $ 19, $ 1, TOWNSHIP OF MONTCLAIR $ 136, $ 7, TOWNSHIP OF MORRIS 9 8 $ 17, $ 1, TOWNSHIP OF UNION $ 156, $ 6, TOWNSHIP OF WARREN 5 5 $ 10, $ 2, TWP OF NORTH BRUNSWICK 11 9 $ 92, $ 8, TWP OF WEST ORANGE $ 89, $ 5, Total $ 1,249, $ 4, WC Total $ 8,805, $ 6, Grand Total $ 19,470, $ 6, Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013

31 Garden State Municipal Joint Insurance Fund Late Reporting Analysis D.O.L. VS. Report to Emp/Ins All Workers' Compensation Claims Reporte to QualLynx Group Group Name #Claims *D.O.L VS. Report to Emp/Ins. Average of D.O.L VS. Report to Emp/Ins. 1 BERKELEY TOWNSHIP BORO OF FAIR HAVEN TOWNSHIP OF FREEHOLD TOWN OF HARRISON CITY OF HOBOKEN BOROUGH OF KENILWORTH TOWNSHIP OF MORRIS BORO OF NEW PROVIDENCE BORO OF NORTH PLAINFIELD BORO OF CALDWELL CITY OF ENGLEWOOD BORO OF FANWOOD TOWNSHIP OF HAMILTON BORO OF HIGHLAND PARK HOWELL TOWNSHIP LIVINGSTON TOWNSHIP TOWNSHIP OF UNION TWP OF WEST ORANGE TOWNSHIP OF MAPLEWOOD TOWNSHIP OF MONTCLAIR TOWN OF MORRISTOWN TWP OF NORTH BRUNSWICK CITY OF RAHWAY TOWNSHIP OF WARREN TOWNSHIP OF EWING BOROUGH OF HADDON HEIGHTS BERKELEY HEIGHTS CITY OF LINDEN TOWNSHIP OF LAWERENCE Grand Total Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013

32 Garden State Municipal Joint Insurance Fund Report to Emp/Ins VS. Report to TPA All Workers' Compensation Claims Reported to QualLynx Group Group Name #Claims *Report to Emp/Ins. VS. Rpt. TPA Average of Report to Emp/Ins. VS. Rpt. TPA 1 BERKELEY TOWNSHIP BORO OF FAIR HAVEN TOWNSHIP OF FREEHOLD TOWN OF HARRISON CITY OF HOBOKEN BOROUGH OF KENILWORTH TOWNSHIP OF MORRIS BORO OF NEW PROVIDENCE BORO OF NORTH PLAINFIELD BORO OF CALDWELL CITY OF ENGLEWOOD BORO OF FANWOOD TOWNSHIP OF HAMILTON BORO OF HIGHLAND PARK HOWELL TOWNSHIP LIVINGSTON TOWNSHIP TOWNSHIP OF UNION TWP OF WEST ORANGE TOWNSHIP OF MAPLEWOOD TOWNSHIP OF MONTCLAIR TOWN OF MORRISTOWN TWP OF NORTH BRUNSWICK CITY OF RAHWAY TOWNSHIP OF WARREN TOWNSHIP OF EWING BOROUGH OF HADDON HEIGHTS BERKELEY HEIGHTS CITY OF LINDEN TOWNSHIP OF LAWERENCE Grand Total Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013

33 Garden State Municipal Joint Insurance Fund Lost Time Ratio Report All Workers' Compensation Claims Reported to QualLynx Report Year 2013 Workers' Compensation WC Created by: QualLynx Client Services Department Count of Claims Covr Policy Effective Year Group Name IND MED Grand Total Lost Time Ratio 2009 TOWNSHIP OF MONTCLAIR % 2009 Total % 2012 BERKELEY TOWNSHIP % BORO OF CALDWELL 2 2 0% BORO OF FAIR HAVEN 1 1 0% BOROUGH OF MIDDLESEX 2 2 0% CITY OF ENGLEWOOD % CITY OF HOBOKEN 2 2 0% CITY OF RAHWAY 1 1 0% LIVINGSTON TOWNSHIP 1 1 0% TOWN OF HARRISON 2 2 0% TOWNSHIP OF HAMILTON 1 1 0% TOWNSHIP OF UNION % 2012 Total % 2013 BERKELEY HEIGHTS 4 4 0% BERKELEY TOWNSHIP % BORO OF CALDWELL 3 3 0% BORO OF FAIR HAVEN 1 1 0% BORO OF FANWOOD % BORO OF HIGHLAND PARK 3 3 0% BORO OF NEW PROVIDENCE 4 4 0% BORO OF NORTH PLAINFIELD 2 2 0% BOROUGH OF HADDON HEIGHTS 1 1 0% BOROUGH OF KENILWORTH 4 4 0% CITY OF ENGLEWOOD % CITY OF HOBOKEN % CITY OF LINDEN % CITY OF RAHWAY 7 7 0% HOWELL TOWNSHIP 8 8 0% LIVINGSTON TOWNSHIP % TOWN OF HARRISON 8 8 0% TOWN OF MORRISTOWN % TOWNSHIP OF EWING % Account: CM Valued as of 04/30/2013

34 Garden State Municipal Joint Insurance Fund Lost Time Ratio Report All Workers' Compensation Claims Reported to QualLynx Report Year 2013 Workers' Compensation WC Count of Claims Covr Policy Effective Year Group Name IND MED Grand Total Lost Time Ratio TOWNSHIP OF FREEHOLD 7 7 0% TOWNSHIP OF HAMILTON % TOWNSHIP OF LAWERENCE 5 5 0% TOWNSHIP OF MAPLEWOOD % TOWNSHIP OF MONTCLAIR % TOWNSHIP OF MORRIS % TOWNSHIP OF UNION % TOWNSHIP OF WARREN 5 5 0% TWP OF NORTH BRUNSWICK % TWP OF WEST ORANGE % 2013 Total % Grand Total % Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013

35 Garden State Municipal Joint Insurance Fund Year to Date Open/Closed Report QualLynx Year to Date All Lines Status Type Fund Year Group Name CLOSED OPEN REOPEN Grand Total AL 2010 CITY OF HOBOKEN 1 1 CITY OF RAHWAY Total BERKELEY TOWNSHIP 1 1 BOROUGH OF MIDDLESEX 1 1 CITY OF HOBOKEN 1 1 CITY OF RAHWAY LIVINGSTON TOWNSHIP 2 2 TOWN OF MORRISTOWN 1 1 TOWNSHIP OF EWING 2 2 TOWNSHIP OF MAPLEWOOD 1 1 TOWNSHIP OF MONTCLAIR 1 1 TOWNSHIP OF UNION 4 4 TWP OF WEST ORANGE Total BERKELEY TOWNSHIP BORO OF CALDWELL BORO OF HIGHLAND PARK 2 2 BORO OF NORTH PLAINFIELD BOROUGH OF HADDON HEIGHTS 1 1 BOROUGH OF KENILWORTH 1 1 BOROUGH OF MIDDLESEX 3 3 CITY OF ENGLEWOOD CITY OF HOBOKEN 9 9 CITY OF RAHWAY HOWELL TOWNSHIP LIVINGSTON TOWNSHIP 5 5 TOWN OF HARRISON TOWN OF MORRISTOWN 4 4 TOWNSHIP OF BLOOMFIELD TOWNSHIP OF EASTAMPTON 4 4 TOWNSHIP OF EWING TOWNSHIP OF FREEHOLD TOWNSHIP OF HAMILTON 2 2 TOWNSHIP OF MAPLEWOOD TOWNSHIP OF MONTCLAIR 8 8 TOWNSHIP OF MORRIS TOWNSHIP OF UNION TOWNSHIP OF WARREN 2 2 TWP OF MANALAPAN TWP OF NORTH BRUNSWICK TWP OF PARSIPPANY TWP OF WEST ORANGE Total Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013

36 Garden State Municipal Joint Insurance Fund Year to Date Open/Closed Report QualLynx Year to Date All Lines Status Type Fund Year Group Name CLOSED OPEN REOPEN Grand Total 2013 BERKELEY TOWNSHIP BORO OF CALDWELL 2 2 BORO OF FAIR HAVEN 1 1 BORO OF HIGHLAND PARK 2 2 BORO OF NORTH PLAINFIELD BOROUGH OF HADDON HEIGHTS 1 1 BOROUGH OF KENILWORTH 1 1 CITY OF ENGLEWOOD 1 1 CITY OF HOBOKEN CITY OF LINDEN 6 6 CITY OF RAHWAY 1 1 HOWELL TOWNSHIP LIVINGSTON TOWNSHIP 1 1 TOWN OF MORRISTOWN 1 1 TOWNSHIP OF BLOOMFIELD TOWNSHIP OF FREEHOLD TOWNSHIP OF LAWERENCE 2 2 TOWNSHIP OF MAPLEWOOD TOWNSHIP OF MONTCLAIR 6 6 TOWNSHIP OF UNION TOWNSHIP OF WARREN 1 1 TWP OF NORTH BRUNSWICK 4 4 TWP OF PARSIPPANY TWP OF WEST ORANGE Total AL Total AP 2011 BERKELEY TOWNSHIP 1 1 BORO OF HIGHLAND PARK 1 1 CITY OF HOBOKEN 1 1 CITY OF RAHWAY 2 2 LIVINGSTON TOWNSHIP 1 1 TOWN OF MORRISTOWN 1 1 TOWNSHIP OF MAPLEWOOD 1 1 TWP OF NORTH BRUNSWICK 1 1 TWP OF WEST ORANGE Total BERKELEY TOWNSHIP BORO OF CALDWELL BORO OF FAIR HAVEN 2 2 BORO OF HIGHLAND PARK BORO OF NORTH PLAINFIELD BOROUGH OF HADDON HEIGHTS 2 2 BOROUGH OF KENILWORTH 1 1 BOROUGH OF MIDDLESEX 5 5 CITY OF ENGLEWOOD CITY OF HOBOKEN CITY OF RAHWAY 4 4 HOWELL TOWNSHIP LIVINGSTON TOWNSHIP TOWN OF HARRISON 6 6 TOWN OF MORRISTOWN 7 7 TOWNSHIP OF BLOOMFIELD 5 5 TOWNSHIP OF EASTAMPTON 3 3 TOWNSHIP OF EWING TOWNSHIP OF FREEHOLD TOWNSHIP OF HAMILTON 4 4 TOWNSHIP OF MAPLEWOOD TOWNSHIP OF MONTCLAIR TOWNSHIP OF MORRIS TOWNSHIP OF UNION TOWNSHIP OF WARREN TWP OF MANALAPAN TWP OF NORTH BRUNSWICK TWP OF PARSIPPANY TWP OF WEST ORANGE Total Created by: QualLynx Client Services Department Account: CM Valued as of 04/30/2013