content_image/1053088.jpg content_image/1053089.jpg content_image/1053090.jpg
## International - Hardy 

Cumulative Net Incurred Claim and Allocated Claim Adjustment Expenses are presented in the following table. 

<img src='content_image/1053088.jpg'>

Cumulative Net Paid Claims and Allocated Claim Adjustment Expenses are presented in the following table. 

<img src='content_image/1053089.jpg'>

Net strengthening or (releases) of prior accident year reserves is presented in the following table. 

<img src='content_image/1053090.jpg'>

(2) Data presented for this calendar year is post-acquisition of Hardy. 

(3) 

The amounts included in the loss reserve development tables above are presented at the year-end 2018 foreign currency exchange rates for all periods presented to remove the effects of foreign currency exchange rate fluctuations between calendar years. The amounts included within the table on page 102 presenting the detail of the development recorded within the International segment include the impact of fluctuations in foreign currency exchange rates. 

