How do mayhem modifiers work

So im playing mahem 1. It list 3 things, then has 3 more that give plus ex, money, and eridium. Under that are two more modifiers. Are the top modifiers the enemy and the bottom me?

The enemies have more health, shields, armor. That’s constant.

You get more money, experience, loot. That’s constant.

The bottom modifiers are additional add ons that change each time you load in. They apply as they say. Generally, if it doesn’t say enemies, it means you. Like “Minus gun damage, plus skill damage”

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Thanks.

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