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 16The Elements of a Solid Partnership Since its founding in 1946, Herr Foods Inc. (Herr’s) has grown from Lancaster, Pennsylvania and 2 employees to a snack foods company that serves the Eastern U.S. and employs about 1,500 employees. During the past 10 years, Herr’s has enjoyed a period of substantial growth in sales, production facilities, vehicles and employees. In 2009, Herr’s undertook a search to find a partner to help manage its growing business risk program. At the time, Herr’s wanted to take its risk management program to a higher level. As of August 2009 Herr’s retained Murray Insurance as its risk management partner. The Murray Risk Management team of specialists came in and took the time to understand our business risks and our “Herr’s culture.” Overall, we are very pleased with their suggested programs and plans to effectively manage our business risks. As Herr’s business continues to grow, we see real value in our partnership with Murray to reduce our risks and control our total risk management expenses. 2011 Commercial Solutions Stability Through Risk Control and Proper Claims Management As insurance companies react to loss ratios over 100% in workers’ compensation, Murray supports your staff in controlling your costs. Our risk control and claims management experts will help you to provide a safe environment for your employees and manage claims to their most positive outcome. Maintain Your Desirability Insurance companies reserve their best pricing for the most desirable clients – those with a demonstrated commitment to risk control, safety and claims management. We’ll continue to work with you, in conjunction with a wealth of professional partners, to help you maintain security and financial stability - ultimately making you desirable among those preferred groups. Gerry Kluis, Sr. Vice President Finance and CFO James M. Herr, Chairman of the Board and CEO Herr Foods, Inc. Million in claims dollars paid to or on behalf of Murray’s commercial clients in 2010. As your advocate in claims situations, we help to ensure the best possible outcome in a difficult situation. 30 Continuous years of protection provided to our longest tenured client...and counting. 52