b'05BREAKDOWN OF WRITTEN PREMIUMS 41% 31% 21% 7%CAR HOME BUSINESS FARM$403 M $305 M $211 M $74 MCOMBINED RATIO 78%INSURED MEMBERS 632 , 000EMPLOYEES 2 , 000RETURNED TO MEMBERS AND COMMUNITIES $36 MA N N UA L R E P O R T 2021'