Table of Contents International - Hardy As of December 31 Calendar Year As of December 31, 2018 (In millions, except reported claims data) Net Claim and Allocated Claim Adjustment Expense Reserves at Acquisition Net Incurred Claim and Allocated Claim Adjustment Expenses in 2012 (1)(2) Total Acquired Net Claim and Allocated Claim Adjustment Expense Reserves and 2012 Incurreds 2013 (1) 2014 (1) 2015 (1) 2016 (1) 2017 (1) 2018 IBNR Cumulative Number of Claims Accident Year 2009 $ 11 $ — $ 12 $ 6 $ (4) $ 1 $ (2) $ (3) $ (3) $ (2) 3,856 2010 48 (9 ) 38 47 52 46 52 51 50 — 4,540 2011 125 (1) 124 134 134 138 137 137 140 (2) 6,252 2012 33 71 104 104 112 119 113 113 115 1 6,900 2013 130 146 138 139 140 144 4 7,624 2014 184 182 176 170 170 2 8,097 2015 190 179 177 178 3 8,968 2016 227 245 234 28 9,536 2017 244 252 48 10,309 2018 270 103 7,563 Total $ 1,550 $ 185 As of December 31 Calendar Year (In millions) 2012 (1)(2) 2013 (1) 2014 (1) 2015 (1) 2016 (1) 2017 (1) 2018 Accident Year 2009 $ 2 $ (2) $ (4) $ (4) $ (4) $ (5) $ (4) 2010 19 35 42 45 47 48 46 2011 30 83 123 127 131 132 134 2012 14 79 100 109 106 109 110 2013 38 101 120 126 130 133 2014 56 122 141 150 155 2015 29 98 129 144 2016 63 144 171 2017 53 150 2018 55 Total $ 1,094 Net liability for unpaid claim and allocated claim adjustment expenses for the accident years presented $ 456 Net liability for unpaid claim and claim adjustment expenses for accident years prior to 2009 — Liability for unallocated claim adjustment expenses for accident years presented 9 Total net liability for unpaid claim and claim adjustment expenses $ 465 For the years ended December 31 Calendar Year (In millions) 2012 (1)(2) 2013 (1) 2014 (1) 2015 (1)(3) 2016 (1)(3) 2017 (1)(3) 2018 (3) Total (3) Accident Year 2009 $ 1 $ (6) $ (10) $ 5 $ (3) $ (1) $ — $ (14) 2010 (10 ) 9 5 (6 ) 6 (1 ) (1 ) 2 2011 (1) 10 — 4 (1) — 3 15 2012 — 8 7 (6 ) — 2 11 2013 16 (8) 1 1 4 14 2014 (2 ) (6 ) (6 ) — (14 ) 2015 (11) (2) 1 (12) 2016 18 (11 ) 7 2017 8 8 105 (1) Data presented for these calendar years is required supplemental information, which is unaudited. (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. Cumulative Net Paid Claims and Allocated Claim Adjustment Expenses are presented in the following table. Cumulative Net Incurred Claim and Allocated Claim Adjustment Expenses are presented in the following table. Net strengthening or (releases) of prior accident year reserves is presented in the following table.