Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16Education is the Catalyst to Knowledge Quarryville Presbyterian Retirement Community is one of the founding members of Communities Advancing Retirement Excellence (C.A.R.E.), a non-traditional insurance program for not-for-profit retirement communities. We are a long-term Murray client and are continually impressed with their attention to detail, responsiveness to our needs and proactive approach in facilitating our insurance program. We are particularly grateful for their risk control and claims staff who have been instrumental in providing educational training for our Community and managing claims when they occur. Murray’s commitment to ongoing education through seminars such as “Table Matters” allows us to keep abreast of important risk management issues while providing a network- ing opportunity to share and learn with other businesses. In my opinion, Murray’s greatest strengths are the ability of their representatives to listen and understand our needs, and their responsiveness in times of challenge. The character and conduct of all the Murray team members has been one of encouragement, knowledge, support and kindness, and we are very pleased to have them as our broker. Robert B. Hayward, Jr., President & CEO Quarryville Presbyterian Retirement Community 2011 Program Services Solutions Group Captives Based on increased interest among our clients, we will be expanding the group captive alternatives available to employers committed to excellence in risk management and want to invest in their own results. More companies will now have the opportunity to share risk control best practices, and risk and financial reward with peer companies in Central Pennsylvania. Healthcare Expansion Murray is invested in the healthcare industry, with clients ranging from single physicians to retirement communities to hospitals and more. In 2011, we will expand our product offerings, broaden our territory and continue to concentrate our expertise in healthcare to deliver focused, industry-specific platforms of service to our clients. Third Party Administration Murray’s third party administration services allow employers and groups who self-insure their workers’ compensation to experience a truly unique claims management process and see the positive results. Our “event management” philosophy also underlies our casualty claim adjusting process and workers’ compensation consulting services. All will be expanded in the year ahead, supporting employers’ efforts to control their losses and ultimately their costs. Number of years that Communities Advancing Retirement Excellence (C.A.R.E.) captive program has been serving the needs of its not-for-profit members. 10 Claim, risk control and alternative market specialists delivering services directly to Murray clients. 28