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RAM Insurance Agency <br />Risk Advisors & Managers <br />January 28, 2025 <br />To Whom It May Concern <br />RE: KLF Enterprises, Inc. <br />Experience Modification Rating History <br />Following are the current and historical Experience Modification Rating factors for KLF Enterprises, <br />Inc. (Risk ID 121587165) <br />EFFECTIVE <br />DATE <br />EMR <br />FACTOR <br />11/02/2024 <br />0.80 <br />11/02/2023 <br />0.95 <br />11/02/2022 <br />0.91 <br />11 /02/2021 <br />0.94 <br />KLF Enterprises, Inc. (KLF) shares their EMR with multiple entities. However, KLF has had no <br />workers compensation claims since at least 2015. The 2024 EMR for KLF would be 0.80 if calculated <br />alone (see attached Experience Modification calculation). <br />If you have any questions, please let me know. <br />Regards, <br />Z 61zy- DW04& <br />Douglas P. O'Neill, AIC, CIC, CRIS <br />Vice -President <br />RAM Insurance Agency <br />815-893-8281 <br />doneill@raminsuranceapency.com <br />www.raminsuranceaeencV.corn/ 16614W. 159' Street,#303, Lockport,IL.60441/ info@raminsuranceaeencv.com <br />Phone: 815-893-8280 <br />