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USI Insurance Services
                                                                                         333 Westchester Avenue
                                                                                                     Suite 102
                                                                                           White Plains, NY 10604
                                                                                                   www.usi.com
                                                                                               Tel: 914.459.6200
               September 30, 2022


               The Rinaldi Group et.al.
               One Harmon Meadow Blvd
               Secaucus, NJ  07094

               RE: Experience Modification Rate Factor

               To whom it may concern,

               Please accept this letter as confirmation that your current Experience Modification Factor as calculated
               by the New Jersey Intrastate Rating Bureau is as follows:

                                     Effective Date        EMR
                                     5/12/22               0.797
                                     5/12/21               0.793
                                     5/12/20               0.898

               Your current Experience Modification Factor as calculated by the Intrastate Rating Bureau is as follows:

                                     Effective Date        EMR
                                     5/12/22               0.97
                                     5/12/21               0.82
                                     5/12/20               0.79


               Please let me know if you have any further questions.



               Sincerely,
               USI Insurance Services LLC


               D. Hardisty

               DJ Hardisty
               Account Manager
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