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KEY FINANCIAL RESULTS

Calendar Year(s)	Gross Premium Income	Net Income (Loss)	Ultimate Loss Ratio*
7/1/2000 - 12/31/2010	$214,593,381	$11,552,314	53.36%

*Ultimate Loss Ratio = Undiscounted actuarial projected losses and Loss Adjustment
Expense/Gross Premium Income as of 12/31/2010.

RATING
Stonetrust Commercial Insurance Company is an admitted company, rated B++ (Good) by A.M. Best. According to A.M. Best, "Disciplined underwriting and the application of loss control initiatives have enabled the Company to deliver sound underwriting performance and positive operating cash flows while improving the internal infrastructure to support future growth," and "the Company’s solid capitalization also reflects a conservative investment strategy and low reinsurance utilization."

Stonetrust is reinsured by some of the largest Reinsurers in the world: Midwest Employers, and Insurance Company of State of Pennsylvania (AIG), who are both rated A or better by A.M. Best. Coverage provided includes specific excess per occurrence of $49 million excess of $1,000,000. |