Penn-America Group®, through its U.S. insurance subsidiaries, markets and underwrites general liability, commercial property and multi-peril insurance for small businesses nationwide. Penn-America distributes its products through a network of approximately 106 wholesale general agents.

Penn-America Group, Inc. was founded in 1975 and is based in Bala Cynwyd, PA. The member companies are rated A (Excellent) XI by the A.M. Best Company. Please visit Penn-America Group's website at www.penn-america.com.

United National Group®, which distributes its program and professional lines products through program administrators with specific binding authority

• Programs - for targeted insured segments, as well as specialty products such as professional lines, through program administrators with specific binding authority.

United National Group was founded in 1960 and is located in Bala Cynwyd, PA. The member companies are rated A (Excellent) XI by the A.M. Best Company. Please visit United National Group's website at www.unitednat.com.

Diamond State Group, which distributes its property, casualty and professional lines products through wholesale brokers

• Specialty Brokerage - the marketing of property, casualty and professional lines products through wholesale brokers.

Wind River Reinsurance Company, Ltd., located in Hamilton, Bermuda, is our Non U.S. reinsurance operation. In addition to providing reinsurance to our U.S. operations, our Bermuda company provides treaty and facultative reinsurance on excess and surplus lines and specialty property and casualty insurance. Wind River is rated A (Excellent) by the A.M. Best Company. Please visit Wind River's website at www.windriver.bm.