• 2024 guidance does not contemplate impact of home deductible and roof strategies, which we expect to have a more meaningful impact in 2025, along with continued earned rate greater than loss trend • Longer-term levels to manage catastrophe load include further reducing property exposure in certain concentrated geographies, and shifting business mix toward liability lines 14 *On-Leveled brings historical results (2021-2023) to 2024 plan levels of pricing and loss trend The Hanover Insurance Group, Inc. is ...