2018 ANNUAL REPORT TRANSFORMERS CONTENTS 2 PRESIDENT’S LETTER: STARTING WITH A SHARED VISION 4 DATA ANALYTICS: TRANSFORMING INFORMATION INTO ACTION 6 INVESTIGATIONS: GOING OUT ON A LIMB 8 LEARNING & DEVELOPMENT: THE SURFACE IS JUST THE BEGINNING 10 GOVERNMENT AFFAIRS: RESULTS AT EVERY LEVEL 12 PUBLIC AWARENESS: WHEN BEING #1 ISN’T CAUSE FOR CELEBRATION 14 MEMBERSHIP: THE WAY WE SEE THINGS 15 MEMBERSHIP LISTINGS 21 FINANCIAL STATEMENTS 23 BOARD OF GOVERNORS 24 ADVISORS TO THE BOARD 25 NICB SENIOR LEADERSHIP TEAM PRESIDENT’S LETTER STARTING WITH A SHARED VISION

ome transformations are Much of what you’ll read and see in our easily observable, while 2018 report has an underlying tone Sothers run beneath the of technology. Obviously, this is the surface. Either way, they require foundation of our Data Analytics and expertise, passion and a long-term Information Technology initiatives. outlook. But most importantly, But increasingly, we’re applying cutting- they depend upon a team of trans- edge technologies throughout the​ formers who can proactively create entire organization. The NICB’s latest​ ​ and drive change. data-sharing agreements, investigational advancements with the Geospatial Never satisfied with doing business Intelligence Center, digitized Learning as usual, the transformers at the and Development programs, and new National Insurance Crime Bureau algorithms that can detect organized (NICB) looked deeply at our oper- fraud rings are just a few examples. ations and processes in 2018, and implemented many advancements Notwithstanding its power and that continue to transform how we promise, we know technology is partner with members, strategic not the golden ticket to solving partners, global law enforcement insurance crime. We also must agencies and the American public to continually build and challenge a​​ fight fraud and vehicle theft. corps of professionals selflessly

2 committed to delivering fraud and For more than a century, we’ve theft solutions. You’ll see plenty of never stopped transforming how the examples throughout this annual world views insurance crime, as well report of how we combine human as how the insurance industry, law capital with technology to more enforcement agencies, prosecutors effectively stay ahead of criminals. and others fight it. The NICB is proud and honored to share your At the NICB, we’re transformers. perspective that by working together, Always have and always will be. We’re we can stop this crime and create small and nimble enough to make fast, better, safer communities. collaborative decisions, yet our scope Photo: NICB President and Chief Executive Officer and expertise are broad enough to Joe Wehrle addresses the International Association touch every part of the United States, of Special Investigation Units 2018 Seminar & Expo and increasingly, the world. on Insurance Fraud.

Indeed, transformation starts with a shared vision. From there, just about anything is possible, such as the overall 13:1 return on investment Joseph H. Wehrle, Jr. we delivered to members in 2018. President and Chief Executive Officer

3 DATA ANALYTICS TRANSFORMING INFORMATION INTO ACTION

umbers and words are and MedAWA R E ® alerts, delivered incredibly valuable inputs 1,300 fraud tips to members, and created Nwhen fighting fraud. But more than 200 analytical packages without applying insight and effort, to support highly focused NICB they’re simply information. investigations. And through our network analysis techniques, the team identified That’s where NICB Data Analytics more than 50 potential organized comes into play. With our 40 team groups for further investigation. members and expansive range of partnerships and technologies, we’re Recognizing that NICB members transforming information into have a need for fraud-fighting speed, action by helping members make Data Analytics created an interactive smarter, faster decisions to stop questionable claims dashboard in potentially fraudulent claims. 2018 to reshape static data into dynamic answers. Built from member Our strategic analysts collate, augment suggestions, this tool allows claims and assess member company and and investigations professionals to NICB third-party data, with the more quickly and efficiently access, resulting leads then identifying and review and assess their own referrals, supporting medical, commercial as well as regulate compliance, and vehicle fraud cases. In 2018, we identify potential training gaps and published 3,200-plus ForeWAR N SM deploy investigative resources.

4 The past year also saw further You can see how Data Analytics advancements in our vehicle lead support helps us create the annual tracking and related data services. NICB Hot Spots vehicle theft report We collected more vehicle impound in the video link on the previous page. data in 2018 than we have in the previous 10 years…more than 2.1 Finally, to help convert chaos into million records in total. This clarity, our Data Analytics team information is invaluable in helping worked around the clock with NICB our membership quickly locate Field Operations, law enforcement and recover their assets from agencies and emergency management impound lots nationwide. officials in the wake of several natural disasters in 2018. We provided maps And to support Associate members, and dashboards to onsite emergency we introduced the online vINFOSM operations centers, and processed search service through which they near real-time Catastrophe Alerts that can run vehicle identification delivered vital situation updates and numbers (VINs) against NICB theft contact information to our members. and impound data rather than having to call our investigative assistants Photo: Kwhamec Rojas and Stephanie Fillion for this information. Available are among the 40 NICB Data Analytics team on a secure website, Associate members who create solutions that transform members can access vINFO 24/7 information into action. from their desktop, laptop and 2018 KEY STATISTICS mobile computing devices, thus ForeCASTSM Reports Published transforming information access 43 from “soon” into “now.” MedAWARE Alerts Published 787 ForeWARN Alerts Published 2,480 Questionable Claim Submissions 130,673 Cases Supported by Tactical Analysis Unit 56 Hotline Calls/Webtips Processed 6,659 Data Analytics Investigative Leads Sent 6,126 to NICB Field Operations Tactical Products Produced in Support 222 of Investigations 5 INVESTIGATIONS GOING OUT ON A LIMB

ICB special agents have particularly useful in uncovering never hesitated going out potential fraud following Hurricanes Non a limb to do their jobs. Florence and Michael (the two major Not everyone is comfortable in this storms of the season) and the position…but we are. For it’s here California wildfires, which were the that we best stretch our capabilities, worst in state history. During these challenge and disrupt norms, and catastrophes, our agents served as deliver leading-edge investigative onsite experts at command posts to solutions that defy common thinking. identify potential fraud, and facilitate first responder and GIC customer The Geospatial Intelligence Center access to this vital imagery. (GIC) is a great example. Introduced in 2017, the GIC uses high-resolution Learn more information about the aerial photography to enhance fraud GIC’s transformational capabilities prevention efforts, claims manage- in this section’s video. ment and payment processes. Our​ ​GIC partners operate more than 100 aircraft Last year, our vehicle investigative equipped with image-gathering experts worked with many strategic technology that can transform the partners and automobile manufacturers speed at which insurers make claims to devise and improve upon cutting- decisions and policyholder payments, edge technologies that can transport especially following natural disasters. vehicle theft and fraud investigations into the fast lane. Among other areas, In 2018, a half dozen NICB members our efforts focused on vehicle key signed on to capitalize on the GIC’s readers that can help prevent fraud, one-of-a-kind services, which were tire pressure management sensors 6 that can cross-reference a vehicle’s train local law enforcement agents in wheels and tires to its VIN to help how to identify stolen U.S. vehicles stop wheel and tire theft, and a new and support transnational crime technology that can forensically prevention efforts led by the NICB. examine a car’s infotainment system to reinforce theft investigations. Meanwhile, our eight medical fraud task forces continued their And for the 106th year in a row, investigations of large-scale rings our investigative and operational and organized criminal conspiracies relationships with law enforcement that seek to victimize you and your agencies paid dividends for NICB policyholders. Our collaborative members domestically and inter- approaches with members, law nationally. For example, knowing enforcement agents and prosecutors that insurance crime isn’t limited by included dialogue and case meetings, geographic borders, we worked with as well as investigations and analytics the International Criminal Police expertise to identify significant ring Organization, more commonly known activity and help pursue criminal as Interpol, in West Africa in 2018 to and civil prosecutions.

Photo: GIC aerial photography supported faster claims payments that helped policyholders get on the road to recovery following 2018’s California wildfires.

2018 KEY STATISTICS Member-Reported Loss Mitigation $46,880,975 Restitution Ordered $37,041,117 NICB Agent Vehicle Recoveries / Value 22,194 / $68,943,326 Vehicle Repatriations / Value 2,485 / $14,289,389 NICB Agent Specialized Equipment 1,454 / Recoveries / Value $21,487,235 NICB Agent Cargo Theft Property 71 / $3,215,740 Recoveries / Value 7 LEARNING & DEVELOPMENT THE SURFACE IS JUST THE BEGINNING

n the surface, the most It began with a comprehensive obvious transformation in analysis of our existing educational Oour educational efforts in assets. Foremost among our findings 2018 was the department’s rebranding was the need to improve and expand to Learning and Development, which upon our training’s technology recognizes that fraud education is not approaches to provide more efficient simply a one-time event, but rather and engaging learning opportunities for a collaborative and progressive path entry-level to seasoned crime fighters. taken by the NICB, our members and law enforcement agencies. A From there, we devised a long-term Learning and Development mentality plan to reconstruct all of our courses offers mutually beneficial growth with fresher designs and expanded throughout every point of the journey. modalities for easy access on computers, smartphones and tablet But the transformation went much devices. Among the improvements deeper than that last year. you’ll see being integrated are greater

8 interactive capabilities to meet the of the offerings. Some of these new expectations of next-generation videos offer brief summaries while learners, text-to-speech capabilities others walk viewers through highly that allow for faster course updates, detailed instructions for specific and closed captioning resources fraud-fighting tasks and processes. supporting Americans with Disabilities Act standards. This section’s video The NICB believes that learning tells you more about the department’s and development should not be structural transformations during solely externally focused, but also the past year. requires internal attention as well to best support our members’ needs and NICB FraudSmart® development educational experiences. Last year, for members and law enforcement we transformed several regional agents added an online capacity office team members into training to complement our long-standing facilitators who now deliver learning classroom formats. We now host programs that go deeper in providing semiweekly webinars addressing relevant member education tailored popular fraud and theft topics to local needs. that can be attended by up to 200 registrants per session. Not And using human performance only does this virtual approach technology methodologies, we allow us to reach more people and launched a learning management reduce our on-site classroom travel system in 2018 to focus on NICB expenses, but it also exponentially employee knowledge development offers greater convenience and and growth. Our new hires are 2018 KEY STATISTICS education efficiency, especially now on-boarded through this Member Students Trained in 14,579 considering today’s increasingly system that managers can also use FraudSmart Classroom Sessions remote workforce landscape. to monitor employee progress. We also expanded professional National Insurance Crime Training 57,963 Another transformation was the development course opportunities Academy (NICTA) Student Enrollment launch of a video library that offers to position our team members for NICTA Courses Completed 103,053 tutorials and “chalk talks” on stronger personal success. identifying common fraud scams Value of Member Classroom, $7,873,975 and how members can complete Academy and Online Training Photo: More than 33,000 member and law enforcement critical tasks such as submitting a students benefited from our FraudSmart classroom Law Enforcement Students Trained in 18,479 questionable claim, to name just two sessions in 2018. FraudSmart Classroom Sessions Continuing Education Credits Issued 17,981 9 GOVERNMENT AFFAIRS RESULTS AT EVERY LEVEL

he NICB’s Government and then tow them away to be Affairs team is never content held for ransom at a salvage yard or T with delivering results at a their preferred repair shop until the single level. Sometimes their impact customer or their insurer forks over is best seen at the street level, other exorbitant fees for the vehicle’s release. times you’ll notice the difference we This model act was the culmination make on rooftops, and you’re certain of a two-year effort by the NICB, to find us in the hallways and hearing our members and NCOIL, and now rooms of legislatures nationwide. serves as the guidepost for towing fraud legislation nationwide. Our government affairs experts hit the streets in 2018 to pursue a variety The team also drove a program of avenues that can support vehicle in 2018 to combat rising vehicle crime and fraud initiatives. Working theft rates in particularly hard-hit closely with the National Council metropolitan areas. In conjunction of Insurance Legislators (NCOIL), with other NICB departments, an organization of lawmakers that we created a vehicle theft tool writes model insurance laws and kit for elected officials and law provides an educational forum for enforcement agencies that provides a public policymakers, we participated comprehensive list of NICB resources in the passage of their model towing to help their municipalities fight act that offers broad consumer and prevent vehicle crime and theft. protections against rogue tow truck The tool kit’s print and electronic companies. These towers typically versions made inroads with more solicit innocent accident victims on than 15 city councils during the year. roadways, hook up their vehicles, 10 Heading higher to rooftop levels, attorneys to share invaluable insight we pursued dishonest roofing regarding prosecutorial opportunities contractors who prey upon consumers, and challenges. We proudly welcomed particularly after hailstorms and representatives from 14 states to NICB other natural disasters. Our expertise headquarters for this inaugural summit. in this arena has been bolstered by the advent of the GIC’s blue sky/gray Our international vehicle export theft ​ sky technology, which can identify efforts garnered federal congressional pre-existing roof damage and catch attention when Florida Representative potentially fraudulent insurance John Rutherford questioned the claims before payment. NICB Homeland Security Secretary during Government Affairs team members an Immigration & Border Security actively educated legislators in hearing on why the NICB was being states that are prone to roofing denied access to U.S. Customs and scams in which contractors make Border Protection vehicle theft themselves a party of the contract records, which inhibits our collective for financial gain. abilities to stop stolen vehicles from leaving the United States. The format of our annual fraud summit also transformed in 2018. In the video link, watch Congressman Instead of a traditional regional crime Rutherford cite NICB data and issues meeting, our Government expertise that help prevent these Affairs Department hosted the illegal exports and support more NICB Dedicated Insurance Fraud crime-free borders. Prosecutor Summit. For the first

time ever, prosecutors specializing Photo: At far left, NICB Vice President of Government in civil and criminal fraud litigation Affairs Alan Haskins introduces speakers at the gathered with insurance industry Dedicated Insurance Fraud Prosecutor Summit. 2018 KEY STATISTICS Attendees/States Represented at Inaugural 22/14 Dedicated Insurance Fraud Prosecutor Conference Pieces of Legislation Tracked/States 169/32 Industry and Legislative Conferences/ 31 Forums/Summits Attended Comprehensive Insurance Fraud Law 9 Compendia Updated 11 PUBLIC AWARENESS WHEN BEING #1 ISN’T CAUSE FOR CELEBRATION

e’re Number 1! We’re an Auto Theft Prevention Authority “ Number 1!” It’s a great (ATPA) to coordinate law enforcement Wcelebratory cheer for agency responses to these crimes a sports team. But when your com- and more effectively move theft munity is ranked No. 1 in the NICB’s cases through the judicial system. annual Hot Spots ranking of vehicle Following two years of lobbying, the thefts for two years in a row, then it’s state legislature created the ATPA, time to transform the situation. which began operating in 2018 under the auspices of New Mexico’s That’s exactly what elected officials and Superintendent of Insurance. law enforcement leaders in Albuquerque, N.M., did in 2018 with the help of With ATPA resource support, law NICB public awareness initiatives. enforcement agencies and judiciaries can now better target repeat offender This transformation actually started thieves who previously spent little- two years earlier when our Govern- to-no time behind bars for vehicle ment Affairs team hosted a fraud theft crimes, which are frequently summit in Albuquerque to address committed to engage in other illicit growing regional vehicle theft activity, such as drug dealing, armed problems. Among the summit’s robbery, burglaries and property recommendations was funding for crimes. Helping to transform the 12 crime-fighting landscape, the NICB more than a century. Through our Public Awareness team joined forces campaigns that today span print, with these officials to promote broadcast, public service announcement, statewide theft prevention messaging online and social media approaches, and communication programming. we’ve transformed how the American public views insurance crime and This renewed spirit and team effort led how they can best avoid being to an estimated one-third reduction in victimized by it. vehicle thefts in Albuquerque in 2018. And according to the Albuquerque In 2018, some of our other consumer Police Department, as this theft rate protection public awareness initiatives declined, so did other property crimes focused on post-natural disaster fraud that criminals frequently commit schemes, such as contractor fraud and using stolen vehicles. flood damaged cars. We also promoted the GIC’s capabilities during emergency You can learn more about Albuquerque’s response efforts and their benefits in transformational progress in this video helping insurers more quickly support we produced for our YouTube channel. policyholders following catastrophes.

This sort of consumer protection Photo: At right, NICB Vice President and Chief Communications Officer Roger Morris conducting an awareness has been a hallmark of interview for our story on Albuquerque’s dramatic NICB communication efforts for shift in vehicle theft rates.

2018 KEY STATISTICS Print, Electronic and Online News 13,699 Media Placements TV and Radio Public Service 47,379 Announcements Aired YouTube Channel Views 1,027,387 Facebook Total Likes 6,141 Twitter Followers 2,750 LinkedIn Followers 8,139 13 MEMBERSHIP THE WAY WE SEE THINGS

unning a membership- We also added transformers who are supported organization leading the NICB’s entry into new R like the NICB sometimes markets, particularly ones targeted by requires double vision. workers’ compensation, product and commercial liability, and other fraud From one viewpoint, we can never scams. Our membership team made take our eyes away from members inroads during the past year with life and must always serve their fraud- and disability insurers, vehicle finance fighting needs. Yet we also must companies, and the hospitality and look outward to consider how the retail markets to present them with NICB’s unique data and expertise can our fraud solutions. benefit industries beyond property- casualty insurance markets. This double vision is catching your eye as well. Last year, we scored 4.7 For our Active and Associate members on a 5-point scale in our satisfaction and Strategic Partners, we transformed survey. And for the first time, we 2018 KEY STATISTICS our membership management system​ conducted a Net Promoter Score in 2018 to streamline information analysis that measures the willingness NICB Active, Associate Members and 1,344 lookups and added a new Member of customers to recommend a company’s Strategic Partners Benefit Report Dashboard to ISO products or services, and can be used Written Insurance Premiums in 2018 $496 Billion ClaimSearch® so that Active and to gauge overall satisfaction and brand by Member Companies Associate members now have real- loyalty. For this metric, we scored time access to their data and visually a 65.5, which indicates your highly Nation’s Property-Casualty Insurance 81% presents the data captured by the MBR positive experiences with the NICB’s Premiums Written by NICB Members Summary using graphs and maps. fraud-fighting programs and services. Nation’s Personal Auto Insurance $254 Billion Premiums Written by NICB Members 14 EMBERSHIP LISTINGS M ACTIVE GROUPS IN 2018

AAA OF THE CAROLINAS - MEMBERS Fireman’s Fund Indemnity Corporation First Colonial Insurance Company AMERICAN MODERN INSURANCE GROUP ARBELLA INSURANCE GROUP Members Insurance Company Fireman’s Fund Insurance Company Intramerica Life Insurance Company American Family Home Insurance Company Arbella Indemnity Insurance Company Fireman’s Fund Insurance Company of Lincoln Benefit Life Company American Modern Home Insurance Company Arbella Mutual Insurance Company AAA OF THE CAROLINAS - UNIVERSAL Hawaii, Inc. North Light Specialty Insurance Company American Modern Insurance Company of Florida Arbella Protection Insurance Company, Inc. Universal Insurance Company (NC) Interstate Fire & Casualty Company Northbrook Indemnity Company American Modern Lloyds Insurance Company Commonwealth Mutual Insurance Company ACCC INSURANCE COMPANY National Surety Corporation Surety Life Insurance Company American Modern Select Insurance Company Commonwealth Reinsurance Company American Modern Surplus Lines Insurance Covenant Insurance Company ACCEPTANCE INSURANCE ALLSTATE INSURANCE GROUP ALLY INSURANCE HOLDINGS, INC. Company Acceptance Insurance Company of Georgia, Inc. ALIC Reinsurance Company CIM Insurance Corporation ASCENDANT COMMERCIAL INSURANCE American Southern Home Insurance Company Acceptance Insurance Company of Allstate Assurance Company MIC Property and Casualty Insurance COMPANY American Western Home Insurance Company Tennessee Allstate County Mutual Insurance Company Corporation First Marine Insurance Company ASPIRE GENERAL INSURANCE COMPANY Acceptance Insurance Company, Inc. Allstate Fire & Casualty Insurance Company Motors Insurance Corporation Allstate Indemnity Company AMERICAN NATIONAL P&C GROUP ANPAC ASSURANT SOLUTIONS ACCESS INSURANCE COMPANY AMERCO CORP GROUP Allstate Insurance Company American National County Mutual American Bankers Insurance Company of Amerco Corp AEGIS GROUP Allstate Life Insurance Company of New York Insurance Company Florida North American Fire & Casualty Insurance Aegis Security Insurance Company Allstate New Jersey Insurance Company American National General Insurance Company American Bankers Life Assurant Company of FL Company American Sentinel Insurance Company Allstate New Jersey Property and Casualty American National Insurance American Security Insurance Company Repwest Insurance Company Insurance Company American National Life Insurance Caribbean American Property Insurance AF GROUP Allstate North American Insurance Company AMERICAN ACCESS CASUALTY COMPANY Company of Texas Company Compwest Insurance Company Allstate Property and Casualty Insurance American National Life Insurance Reliable Lloyds Insurance Company Accident Fund National Insurance Company AMERICAN ALLIANCE CASUALTY COMPANY Company Company of Texas Standard Guaranty Insurance Company Accident Fund General Insurance Company Allstate Texas Lloyd’s AMERICAN FAMILY INSURANCE GROUP American National Lloyds Insurance Company Voyager Indemnity Insurance Company Accident Fund Insurance Company of America Allstate Vehicle & Property Insurance Company American Family Insurance Company American National Property and Casualty Third Coast Underwriters ATLAS FINANCIAL HOLDINGS GROUP American Heritage Life American Family Life Insurance Company Company United Wisconsin Insurance Company American Country Insurance Company Castle Key Indemnity Company American Family Mutual Insurance Company Anpac Louisiana Insurance Company American Service Insurance Company, Inc. ALINSCO INSURANCE COMPANY Castle Key Insurance Company American Standard Insurance Company of Ohio Farm Family Casualty Insurance Company Gateway Insurance Company Charter National Life Insurance Company American Standard Insurance Company of Garden State Life Insurance Company ALLIANCE INSURANCE COMPANIES Global Liberty Insurance Company of New York Encompass Floridian Indemnity Company Wisconsin Pacific Property & Casualty Company Alliance Indemnity Company Encompass Floridian Insurance Company General Automobile Insurance Company, Inc. Standard Life & Sccident Insurance Company AUTO CLUB INSURANCE COMPANY OF FLORIDA Alliance Insurance Company, Inc. Encompass Home and Auto Insurance Homesite Indemnity Company United Farm Family Insurance Company Farmers Alliance Mutual Insurance AUTO CLUB SOUTH INSURANCE COMPANY Company Homesite Insurance Company Company AMERICAN ROAD INSURANCE COMPANY, Encompass Indemnity Company Homesite Insurance Company of California AUTO-OWNERS INSURANCE GROUP INC. (TARIC) ALLIANZ U.S. GROUP Encompass Independent Insurance Company Homesite Insurance Company of Florida Atlantic Casualty Insurance Company AGCS Marine Insurance Company Encompass Insurance Company Homesite Insurance Company of Georgia AMERIPRISE INSURANCE COMPANY Auto-Owners Insurance Company Allianz Global Risks U.S. Insurance Company Encompass Insurance Company of America Homesite Insurance Company of Illinois Ameriprise Insurance Company Coastal Casualty Insurance Company Allianz Life Insurance Company of New York Encompass Insurance Company of Homesite Insurance Company of New York IDS Property Casualty Insurance Company Concord General Mutual Insurance Company Allianz Life Insurance Company of North Massachusetts Homesite Insurance Company of the Midwest AMICA MUTUAL GROUP Green Mountain Insurance Company, Inc. America Encompass Insurance Company of New Jersey Homesite Lloyds of Texas Amica Life Insurance Company Home-Owners Insurance Company Allianz Underwriters Insurance Company Encompass Property and Casualty Company Midvale Indemnity Company Amica Lloyds of Texas Owners Insurance Company American Automobile Insurance Company Encompass Property and Casualty Insurance Permanent General Assurance Corporation Amica Mutual Insurance Company Property-Owners Insurance Company American Insurance Company Company of New Jersey Permanent General Assurance Corporation Amica Property and Casualty Insurance Company Southern-Owners Insurance Company Associated Indemnity Corporation Esurance Insurance Company of Ohio State Mutual Insurance Company (ME) Chicago Insurance Company Esurance Insurance Company of New Jersey ANCHOR INSURANCE HOLDINGS GROUP Sunapee Mutual Fire Insurance Company Euler American Credit Indemnity Company Esurance Property and Casualty Insurance Company Anchor General Insurance Company Vermont Accident Insurance Company, Inc. Pacific Star Insurance Company 15 AVENTUS INSURANCE COMPANY Modern Service Insurance Company COMMONWEALTH CASUALTY COMPANY Erie Insurance Exchange Farmers Insurance Company of Oregon Wellington Insurance Company MSI Insurance Company Erie Insurance Property & Casualty Company Farmers Insurance Company of Washington CORNERSTONE NATIONAL INSURANCE Shield Insurance Company Flagship City Insurance Company Farmers Insurance Company, Inc. BALDWIN & LYONS GROUP COMPANY Farmers Insurance Exchange Protective Insurance Company CEM INSURANCE COMPANY EVEREST RE GROUP COUNTRY-WIDE INSURANCE COMPANY Farmers Insurance Hawaii, Inc. Sagamore Insurance Company Everest Denali Insurance Co. CENTENNIAL CASUALTY COMPANY Farmers Insurance of Columbus, Inc. CRUSADER INSURANCE COMPANY Everest Indemnity Insurance Company BCS INSURANCE GROUP Farmers New Century Insurance Company CHUBB GROUP OF INSURANCE COMPANIES Everest National Insurance Company 4Ever Life Insurance Company CSAA INSURANCE GROUP, A AAA INSURER Farmers New World Life Insurance Company ACE American Insurance Company Everest Premier Insurance Co. BCS Insurance Company CSAA Affinity Insurance Company Farmers Reinsurance Company ACE Fire Underwriters Insurance Company Everest Reinsurance Company Plans Liability Insurance Company CSAA Fire & Casualty Insurance Company Farmers Texas County Mutual Insurance ACE Insurance Company of the Midwest Everest Security Insurance Company CSAA General Insurance Company Company BERKSHIRE HATHAWAY INSURANCE GROUP ACE Property and Casualty Insurance Company CSAA Insurance Exchange FAIRFAX FINANCIAL GROUP Fire Insurance Exchange GEICO Advantage Insurance Company AGRI General Insurance Company CSAA Mid-Atlantic Insurance Company American Underwriters Insurance Company Foremost County Mutual Insurance Company GEICO Casualty Company Atlantic Employers Insurance Company CSAA Mid-Atlantic Insurance Company of Crum & Forster Indemnity Company Foremost Insurance Company of Grand GEICO Choice Insurance Company Bankers Standard Insurance Company New Jersey Crum & Forster Insurance Company Rapids, Michigan GEICO County Mutual Insurance Company Century Indemnity Company Crum & Forster Underwriters Company of Ohio Foremost Lloyds of Texas GEICO General Insurance Company Chubb Custom Insurance Company CUNA MUTUAL GROUP Fairmont Specialty Insurance Company Foremost Property and Casualty Insurance GEICO Indemnity Company Chubb Indemnity Insurance Company CUMIS Insurance Society, Inc. First Mercury Insurance Company Company GEICO Secure Insurance Company Chubb Insurance Company of New Jersey CUMIS Specialty Insurance Company North River Insurance Company Foremost Signature Insurance Company Government Employees Insurance Company Chubb Lloyds Insurance Company of Texas CURE AUTO INSURANCE Seneca Insurance Company Illinois Farmers Insurance Company Seaworthy Insurance Company - BoatUS Chubb National Insurance Company Seneca Specialty Insurance Company Mid-Century Insurance Company Combined Insurance Company of America DIRECT AUTO INSURANCE COMPANY BRETHREN MUTUAL INSURANCE COMPANY United States Fire Insurance Company Mid-Century Insurance Company of Texas Executive Risk Indemnity, Inc. DONEGAL INSURANCE GROUP Zenith Insurance Company Neighborhood Spirit Property and Casualty BRICKSTREET MUTUAL INSURANCE COMPANY Executive Risk Specialty Insurance Company Atlantic States Insurance Company Zenith Star Insurance Company Company BrickStreet Mutual Insurance Company Federal Insurance Company Donegal Mutual Insurance Company ZNAT Insurance Company New Hampshire Indemnity Company, Inc. HM Casualty Insurance Company Great Northern Insurance Company Le Mars Insurance Company Security National Insurance Company (FL) NorthStone Insurance Company Illinois Union Insurance Company FALCON INSURANCE GROUP Michigan Insurance Company Texas Farmers Insurance Company PinnaclePoint Insurance Company Indemnity Insurance Company of North Falcon Insurance Company Mountain States Commercial Insurance Truck Insurance Exchange SummitPoint Insurance Company America Company FARMERS INSURANCE EXCHANGE Insurance Company of North America FCCI INSURANCE GROUP, INC. CALIFORNIA CASUALTY GROUP Mountain States Indemnity Company 21st Century Advantage Insurance Company Pacific Employers Insurance Company Brierfield Insurance Company California Casualty & Fire Insurance Company Peninsula Indemnity Company 21st Century Assurance Company Pacific Indemnity Company FCCI Advantage Insurance Company California Casualty General Insurance Peninsula Insurance Company 21st Century Auto Insurance Company of Penn Millers Insurance Company FCCI Commercial Insurance Company Company of Oregon Sheboygan Falls Insurance Company New Jersey Texas Pacific Indemnity Company FCCI Insurance Company California Casualty Indemnity Exchange Southern Insurance Company of Virginia 21st Century Casualty Company Vigilant Insurance Company Monroe Guaranty Insurance Company California Casualty Insurance Company Southern Mutual Insurance Company 21st Century Centennial Insurance Company Westchester Fire Insurance Company 21st Century Indemnity Insurance Company National Trust Insurance Company CANAL GROUP Westchester Surplus Lines Insurance Company DTRIC INSURANCE COMPANY, LIMITED 21st Century Insurance Company FED NAT Canal Indemnity Company DTRIC Insurance Underwriters CINCINNATI FINANCIAL CORPORATION 21st Century Insurance Company of the Canal Insurance Company FEDERATED MUTUAL GROUP Cincinnati Casualty Company ELECTRIC INSURANCE COMPANY Southwest Federated Mutual Insurance Company CAPITAL INSURANCE GROUP Cincinnati Indemnity Company 21st Century National Insurance Company, Inc. ELEPHANT INSURANCE COMPANY Federated Service Insurance Company California Capital Insurance Company Cincinnati Insurance Company 21st Century North America Insurance Company Eagle West Insurance Company Cincinnati Specialty Underwriter EMPLOYERS MUTUAL CASUALTY COMPANY 21st Century Pacific Insurance Company FIRST AMERICAN CORPORATION Monterey Insurance Company Dakota Fire Insurance Company 21st Century Pinnacle Insurance Company First American Home Buyers Protection Corp CITIZENS PROPERTY INSURANCE CORPORATION Nevada Capital Insurance Company EMC National Life Company of New Jersey First American Property & Casualty 21st Century Preferred Insurance Company CAPITOL INSURANCE COMPANY CNA INSURANCE COMPANIES EMC Property and Casualty Company Insurance Company American Casualty Company of Reading, EMC Reinsurance Company 21st Century Premier Insurance Company First American Specialty Insurance Company CARE WEST INSURANCE COMPANY 21st Century Superior Insurance Company Pennsylvania EMCASCO Insurance Company FIRST CHICAGO INSURANCE COMPANY of California, Inc. CAROLINA CASUALTY INSURANCE COMPANY Columbia Casualty Company Employers Mutual Casualty Company United Security Health and Casualty Co. Continental Casualty Company Farm and City Insurance Company American Federation Insurance Company CATERPILLAR INSURANCE COMPANY Continental Insurance Company Hamilton Mutual Insurance Company of American Pacific Insurance Company, Inc. FIRST INSURANCE COMPANY OF HAWAII GROUP Bristol West Casualty Insurance Company First Insurance Company of Hawaii, Ltd. CC SERVICES, INC. Continental Insurance Company of New Jersey Cincinnati, Ohio Bristol West Insurance Company Cotton States Mutual Insurance Company National Fire Insurance Company of Hartford Illinois EMCASCO Insurance Company FRANKENMUTH GROUP Bristol West Preferred Insurance Company Country Casualty Insurance Company Surety Bonding Company of America Union Insurance Company of Providence Ansur America Insurance Company Civic Property and Casualty Company Country Mutual Insurance Company Transportation Insurance Company Asure Worldwide Insurance Company ERIE INSURANCE GROUP Coast National Insurance Company Country Preferred Insurance Company Universal Surety of America Fortuity Insurance Company Erie Family Life Insurance Company Exact Property and Casualty Company Holyoke Mutual Insurance Company in Salem Valley Forge Insurance Company Frankenmuth Mutual Insurance Company Erie Insurance Company Farmers Insurance Company of Arizona Middlesex Mutual Assurance Company Western Surety Company Patriot Insurance Company Erie Insurance Company of New York Farmers Insurance Company of Idaho 16 GEORGIA FARM BUREAU GROUP Triumphe Casualty Company Nutmeg Insurance Company INFINITY PROPERTY & CASUALTY KENTUCKY FARM BUREAU GROUP Georgia Farm Bureau Casualty Insurance Vanliner Insurance Company Pacific Insurance Company, Ltd. INSURANCE GROUP FB Insurance Company Company Property and Casualty Insurance Company Hillstar Insurance Company Kentucky Farm Bureau Mutual Insurance GREATER NEW YORK GROUP Georgia Farm Bureau Mutual Insurance of Hartford Infinity Assurance Insurance Company Company GNY Custom Insurance Company Company Sentinel Insurance Company, Ltd. Infinity Auto Insurance Company Greater New York Mutual Insurance Company KEY INSURANCE COMPANY Trumbull Insurance Company Infinity Casualty Insurance Company GEOVERA HOLDINGS INC., GROUP Insurance Company of Greater New York Twin City Fire Insurance Company Infinity County Mutual Insurance Company Coastal Select Insurance Company Strathmore Insurance Company KINGSTONE INSURANCE COMPANY Infinity Indemnity Insurance Company GeoVera Insurance Company HARTFORD STEAM BOILER IIC GUARD INSURANCE GROUP Infinity Insurance Company KINGSWAY AMERICA GROUP GeoVera Specialty Insurance Company Hartford Steam Boiler Inspection and AmGUARD Insurance Company Infinity Preferred Insurance Company Mendakota Casualty Company Insurance Company GERMANIA MUTUAL GROUP EastGUARD Insurance Company Infinity Safeguard Insurance Company Mendakota Insurance Company Hartford Steam Boiler Inspection and Germania Farm Mutual Insurance Association NorGUARD Insurance Company Infinity Security Insurance Company Mendota Insurance Company Insurance Company of CT Germania Fire & Casualty Company WestGUARD Insurance Company Infinity Select Insurance Company LANCER INSURANCE GROUP HSB Specialty Insurance Company Germania Insurance Company Infinity Standard Insurance Company HALLMARK FINANCIAL SERVICES, INC. Lancer Insurance Company Germania Select Insurance Company American Hallmark Insurance Company of HASTINGS MUTUAL INSURANCE COMPANY INTERINSURANCE EXCHANGE OF THE North Sea Insurance Company Texas Heritage Insurance Company Texas HCC INSURANCE HOLDINGS, INC. AUTOMOBILE CLUB LEBANON VALLEY INSURANCE COMPANY GOAUTO INSURANCE COMPANY Hallmark County Mutual Insurance Company American Contractors Indemnity Company AAA Texas County Mutual Insurance LEGAL AND GENERAL AMERICA Hallmark Insurance Company Avemco Insurance Company Company GRANGE MUTUAL CASUALTY GROUP Banner Life Insurance Co Hallmark National Insurance Company HCC Specialty Insurance Company Auto Club Casualty Company Grange Indemnity Insurance Company William Penn Life Insurance Company of Hallmark Specialty Insurance Company Houston Casualty Company Auto Club Family Insurance Company Grange Insurance Company of Michigan New York Texas Builders Insurance Company United States Surety Company Auto Club Indemnity Company Grange Mutual Casualty Company US Specialty Insurance Company Automobile Club of Southern California LIBERTY MUTUAL GROUP Grange Property & Casualty Insurance HANOVER INSURANCE GROUP Life Insurance Company America First Lloyd’s Insurance Company Company AIX Specialty Insurance Company HISCOX INSURANCE GROUP Interinsurance Exchange of the Automobile American Economy Insurance Company Integrity Mutual Insurance Company Allmerica Financial Alliance Insurance Company Hiscox Insurance Company Inc. Club American Fire and Casualty Company Integrity Property & Casualty Insurance Allmerica Financial Benefit Insurance HORACE MANN INSURANCE GROUP Interinsurance Exchange of the Automobile American States Insurance Company Company Company Horace Mann Insurance Company Club – Automobile Club of MO American States Insurance Company of Texas Trustgard Insurance Company Campmed Casualty and Indemnity Horace Mann Lloyds Citizens Insurance Company of America KEMPER CORPORATION American States Lloyds Insurance Company GREAT AMERICAN PROPERTY AND CASUALTY Horace Mann Property & Casualty Citizens Insurance Company of Illinois Alliance United Insurance Company American States Preferred Insurance Company INSURANCE GROUP Insurance Company Citizens Insurance Company of Ohio Alpha Property & Casualty Insurance Company Colorado Casualty Insurance Company American Empire Insurance Company Teachers Insurance Company Citizens Insurance Company of the Midwest Capital County Mutual Fire Insurance Company Consolidated Insurance Company American Empire Surplus Lines Insurance Hanover American Insurance Company HYUNDAI MARINE & FIRE INSURANCE Financial Indemnity Company Employers Insurance of Wausau A Mutual Company Hanover Insurance Company COMPANY, LTD. Kemper Company Bridgefield Casualty Insurance Company Hanover Lloyd’s Insurance Company Hyundai Marine & Fire Insurance Kemper Direct Insurance Company Excelsior Insurance Company Bridgefield Employers Insurance Company Hanover National Insurance Company Company, Ltd. Kemper Home Services First Liberty Insurance Corporation Great American Alliance Insurance Company Hanover New Jersey Insurance Company Kemper Preferred First National Insurance Company of America Great American Assurance Insurance Company IAT - OCCIDENTAL FIRE & CASUALTY Massachusetts Bay Insurance Company Kemper Specialty General Insurance Company of America Great American Casualty Insurance Company COMPANY OF NORTH CAROLINA NOVA Casualty Company Merastar Insurance Company Golden Eagle Insurance Corporation Great American Contemporary Insurance Acceptance Casualty Insurance Company Professionals Direct Insurance Company Mutual Savings Fire Insurance Company Hawkeye Security Insurance Company Great American E & S Insurance Company Acceptance Indemnity Insurance Company Verlan Fire Insurance Company, MD National Merit Insurance Company Indiana Insurance Company Great American Fidelity Insurance Company Commercial Alliance Insurance Company Old Reliable Casualty Company Insurance Company of Illinois Great American Insurance Company Harco National Insurance Company HARFORD GROUP Response Insurance Company Ironshore Indemnity Inc. Great American Insurance Company of Firstline National Insurance Company Occidental Fire & Casualty Company of Response Worldwide Direct Auto Ironshore Specialty Insurance Company New York Harford Mutual Insurance Companies North Carolina Insurance Company Liberty County Mutual Insurance Company Great American Lloyd’s Insurance Company Service Insurance Company HARTFORD INSURANCE GROUP Response Worldwide Insurance Company Liberty Insurance Corporation Great American Protection Insurance Company Transguard Insurance Company of America, Inc. First State Insurance Company Union National Fire Insurance Company Liberty Insurance Underwriters, Inc. Great American Security Insurance Company Wilshire Insurance Company Hartford Accident and Indemnity Company Unitrin Advantage Insurance Company Liberty Life Assurance Company of Boston Great American Spirit Insurance Company Hartford Casualty Insurance Company ICW GROUP Unitrin Auto and Home Insurance Company Liberty Lloyds of Texas Mid-Continent Assurance Company Hartford Financial Services - WC Explorer American Insurance Company Unitrin County Mutual Insurance Company Liberty Mutual Fire Insurance Company Mid-Continent Casualty Company Hartford Fire Insurance Company Explorer Insurance Company Unitrin Direct Property & Casualty Company Liberty Mutual Insurance Company Mid-Continent E & S Insurance Company Hartford Insurance Company of Illinois Independence Casualty & Surety Company Unitrin Preferred Insurance Company Liberty Mutual Mid-Atlantic Insurance National Interstate Insurance Company Hartford Insurance Company of the Midwest Insurance Company of the West Unitrin Safeguard Insurance Company Company National Interstate Insurance Company of Hartford Insurance Company of the Southeast Valley Property & Casualty Insurance Company Liberty Mutual Personal Insurance Company Hawaii, Inc. IMT GROUP Hartford Lloyd’s Insurance Company Warner Insurance Company Liberty Northwest Insurance Corporation Oklahoma Surety Company IMT Insurance Company (Mutual) Hartford Underwriters Insurance Company Liberty Personal Insurance Company Republic Indemnity Company of America Wadena Insurance Company KENTUCKY EMPLOYERS’ MUTUAL New England Insurance Company Liberty Surplus Insurance Corporation Republic Indemnity of California ILLINOIS CASUALTY COMPANY INSURANCE (KEMI) LM General Insurance Company 17 LM Insurance Corporation MAYA ASSURANCE COMPANY MICO Insurance Company NATIONWIDE INSURANCE COMPANIES NORFOLK AND DEDHAM GROUP LM Property and Casualty Insurance Company Motorist Life Insurance Company Allied Insurance Company of America Dorchester Mutual Insurance Company MEMIC GROUP Mid-American Fire & Casualty Company Motorists Commercial Mutual Insurance ALLIED Property and Casualty Insurance Fitchburg Mutual Insurance Company Maine Employers’ Mutual Insurance Company Midwestern Indemnity Company Company Company Norfolk and Dedham Mutual Fire MEMIC Casualty Company Montgomery Mutual Insurance Company Motorists Mutual Insurance Company AMCO Insurance Company Insurance Company MEMIC Indemnity Company National Insurance Association Phenix Mutual Fire Insurance Company Colonial County Mutual Insurance Company NYCM INSURANCE GROUP Netherlands Insurance Company MERCHANTS INSURANCE GROUP Wilson Mutual Insurance Company Crestbrook Insurance Company A. Central Insurance Company North Pacific Insurance Company Merchants Mutual Insurance Company Depositors Insurance Company MUNICH RE AMERICA, INC. New York Central Mutual Fire Insurance Ohio Casualty Insurance Company Merchants National Insurance Company Farmland Mutual Insurance Company American Alternative Insurance Corporation Company Ohio Security Insurance Company Merchants Preferred Insurance Company Freedom Specialty Insurance Company Princeton Excess & Surplus Lines Insurance Oregon Automobile Insurance Company MERCURY GENERAL GROUP Harleysville Insurance Company OHIO INDEMNITY COMPANY Peerless Indemnity Insurance Company MUTUAL OF ENUMCLAW INSURANCE COMPANY Harleysville Insurance Company of New Jersey American Mercury Insurance Company OHIO MUTUAL INSURANCE GROUP Peerless Insurance Company Enumclaw Property and Casualty Insurance Harleysville Insurance Company of New York American Mercury Lloyds Insurance Company CASCO Indemnity Company Safeco Insurance Company of America Company Harleysville Lake States Insurance Company California Automobile Insurance Company Ohio Mutual Insurance Company Safeco Insurance Company of Illinois Mutual of Enumclaw Insurance Company Harleysville Life Insurance Company California General Underwriters Insurance United Ohio Insurance Company Safeco Insurance Company of Indiana Company NATIONAL GENERAL INSURANCE Harleysville Mutual Insurance Company OKLAHOMA FARM BUREAU GROUP Safeco Insurance Company of Oregon Mercury Casualty Company MANAGEMENT CORPORATION Harleysville Preferred Insurance Company AgSecurity Insurance Company Safeco Lloyds Insurance Company Mercury County Mutual Insurance Company Adirondack Insurance Exchange Harleysville Worcester Insurance Company Oklahoma Farm Bureau Mutual Insurance Safeco National Insurance Company Mercury Indemnity Company of America Agent Alliance Insurance Company National Casualty Company Company Safeco Surplus Lines Insurance Company Mercury Indemnity Company of Georgia Century-National Insurance Company Nationwide Affinity Insurance Company of San Diego Insurance Company Mercury Insurance Company Direct General Insurance Company America ONEBEACON INSURANCE GROUP Wausau Business Insurance Company Mercury Insurance Company of Florida Direct General Insurance Company of Nationwide Agribusiness Insurance Company Atlantic Specialty Insurance Wausau General Insurance Company Mercury Insurance Company of Georgia Louisiana Nationwide Assurance Company Homeland Insurance Company of DE Wausau Underwriters Insurance Company Mercury Insurance Company of Illinois Direct General Insurance Company of Nationwide General Insurance Company Homeland Insurance Company of New York West American Insurance Company Mercury National Insurance Company Mississippi Nationwide Indemnity Company OBI America Insurance Company Direct Insurance Company Nationwide Insurance Company of America OBI National Insurance Company LOYA GROUP METLIFE AUTO & HOME GROUP Direct National Insurance Company Nationwide Insurance Company of Florida OneBeacon Insurance Loya Casualty Insurance Company Economy Fire & Casualty Company Imperial Fire and Casualty Insurance Company Nationwide Lloyds Loya Insurance Company Economy Preferred Insurance Company OOIDA RISK RETENTION GROUP, INC. Integon Casualty Insurance Company Nationwide Mutual Fire Insurance Company Vision Insurance Company Economy Premier Assurance Company Commercial Truck Claims Management Integon General Insurance Corporation Nationwide Mutual Insurance Company Young America Insurance Company Metropolitan Casualty Insurance Company Integon Indemnity Corporation Nationwide Property and Casualty PALISADES SAFETY AND INSURANCE Metropolitan Direct Property and Casualty MAIDSTONE INSURANCE CO. Integon National Insurance Company Insurance Company ASSOCIATION Insurance Company Scottsdale Indemnity Company MAPFRE/COMMERCE INSURANCE Integon Preferred Insurance Company High Point Preferred Insurance Metropolitan General Insurance Company Scottsdale Insurance Company American Commerce Insurance Company MIC General Insurance Corporation High Point Property & Casualty Insurance Metropolitan Group Property and Casualty Scottsdale Surplus Lines Insurance Company Citation Insurance Company (MA) Mountain Valley Indemnity Company High Point Safety Insurance Company Insurance Company Titan Indemnity Company Commerce Insurance Company National Automotive Insurance Company Palisades Insurance Company Metropolitan Lloyds Insurance Company of Titan Insurance Company Commerce West Insurance Company National General Assurance Company Palisades Property & Casualty Insurance Texas Veterinary Pet Insurance Company MAPFRE Insurance Company National General Insurance Company Palisades Safety and Insurance Association Metropolitan Property and Casualty Victoria Automobile Insurance Company MAPFRE Insurance Company of Florida National General Insurance Company Teachers Auto Insurance Company of New Insurance Company Victoria Electra Insurance Company MAPFRE Insurance Company of New York Online, Inc. Jersey METROMILE INSURANCE COMPANY National General Insurance Holding Victoria Fire and Casualty Company Twin Lights Insurance Company MARKEL CORPORATION GROUP Corporation Victoria Select Insurance Company PARAMOUNT INSURANCE COMPANY City National Insurance Company MGA INSURANCE COMPANY, INC. New Jersey Skylands Insurance Association Victoria Specialty Insurance Company Essentia Insurance Company MICHIGAN BASIC PROPERTY INSURANCE New South Insurance Company Western Heritage Insurance Company PEACHTREE CASUALTY INSURANCE COMPANY Evanston Insurance Company ASSOCIATION Personal Express Insurance Company NEW JERSEY MANUFACTURERS GROUP FirstComp Insurance Company PHILADELPHIA INDEMNITY INSURANCE Standard Mutual Insurance Company New Jersey Casualty Insurance Company Independent Specialty Insurance Company MIDWEST FAMILY MUTUAL INSURANCE COMPANY New Jersey Indemnity Insurance Company Markel American Insurance Company COMPANY NATIONAL INDEMNITY COMPANY Tokio Marine Specialty Insurance Com Columbia Insurance Company New Jersey Manufacturers Insurance Company Markel Global Reinsurance Company MITSUI SUMITOMO GROUP PEKIN INSURANCE COMPANY National Fire & Marine Insurance Company New Jersey MFG SIU Staff Markel Insurance Company Mitsui Sumitomo Insurance Company of Farmers Automobile Insurance Association National Indemnity Company New Jersey Re-Insurance Company National Specialty Insurance Company America National Indemnity Company of Mid-America PINNACOL ASSURANCE State National Insurance Company Mitsui Sumitomo Insurance USA, Inc. NLC INSURANCE COMPANIES SureTec Indemnity Company National Indemnity Company of the South Danbury Insurance Company Pinnacol Insurance Company SureTec Insurance Company MOTORISTS INSURANCE GROUP National Liability & Fire Insurance Company Hingham Mutual Fire Insurance Company PLYMOUTH ROCK COMPANIES Consumers Insurance USA, Inc. United Specialty Insurance Company NATIONAL UNITY INSURANCE COMPANY New London County Mutual Insurance Bunker Hill Insurance Casualty Company Iowa American Insurance Company Company Bunker Hill Insurance Company MARYLAND AUTOMOBILE INSURANCE FUND Iowa Mutual Insurance Company NATIONS INSURANCE COMPANY Thames Insurance Company, Inc. Mt. Washington Assurance Corporation 18 Pilgrim Insurance Company Progressive Northern Insurance Company ROCKFORD MUTUAL INSURANCE COMPANY SOMPO JAPAN INSURANCE, INC. State Auto Insurance Company of Ohio Plymouth Rock Assurance Corporation Progressive Northwestern Insurance Company Sompo Japan Fire and Marine Insurance State Auto Insurance Company of Wisconsin ROCKINGHAM INSURANCE COMPANY Progressive Paloverde Insurance Company Company of America State Auto Property and Casualty Insurance PMA CAPITAL CORPORATION Rockingham Casualty Company Progressive Preferred Insurance Company Sompo Japan Insurance Company of America Company Manufacturers Alliance Insurance Company Progressive Premier Insurance Company of SAFE AUTO INSURANCE COMPANY State Automobile Mutual Insurance Company Pennsylvania Manufacturers’ Association SOUTHERN FARM BUREAU CASUALTY GROUP Illinois Insurance Company SAFETY GROUP Farm Bureau Mutual Insurance of Arkansas, Inc. STATE COMPENSATION INSURANCE FUND OF CA Progressive Property Insurance Company Pennsylvania Manufacturers Indemnity Safety Indemnity Insurance Company Florida Farm Bureau Casualty Insurance Progressive Security Insurance Company STATE FARM GROUP Company Safety Insurance Company Company Progressive Select Insurance Company State Farm County Mutual Insurance Safety Property and Casualty Insurance Company Florida Farm Bureau General Insurance Company PREFERRED MUTUAL INSURANCE COMPANY Progressive Southeastern Insurance Company Company of Texas Louisiana Farm Bureau Casualty Insurance Progressive Specialty Insurance - CT SAFEWAY INSURANCE GROUP State Farm Fire and Casualty Company PROASSURANCE CORPORATION Company Progressive Specialty Insurance Company Safeway Insurance Company State Farm Florida Insurance Company Allied Eastern Indemnity Company Louisiana Farm Bureau Mutual Insurance Progressive Universal Insurance Company Safeway Insurance Company of Alabama State Farm General Insurance Company Eastern Advantage Assurance Company Company of Illinois Safeway Insurance Company of Georgia State Farm Guaranty Insurance Company Eastern Alliance Insurance Company Mississippi Farm Bureau Casualty Insurance Progressive West Insurance Company Safeway Insurance Company of Louisiana State Farm Health Insurance Company MEDMARC Casualty Insurance Company Company United Financial Casualty Company State Farm Indemnity Company Noetic Specialty Insurance Company SECURITY FIRST INSURANCE COMPANY Mississippi Farm Bureau Mutual Insurance United Financial Casualty Company - CT State Farm Lloyds PACO Assurance Company, Inc. Company SELECTIVE INSURANCE GROUP State Farm Mutual Automobile Insurance Podiatry Insurance Company of America PROSIGHT SPECIALTY INSURANCE Palmetto Casualty Insurance Company Mesa Underwriters Specialty Insurance Company ProAssurance Casualty Company Gotham Insurance Company South Carolina Farm Bureau Insurance Company Company (MUSIC) ProAssurance Indemnity Company, Inc. New York Marine And General Insurance South Carolina Farm Bureau Mutual Group STILLWATER INSURANCE GROUP Selective Auto Insurance Company of New ProAssurance Specialty Insurance Company, Inc. Company Southern Farm Bureau Casualty Insurance Stillwater Insurance Company Jersey Southwest Marine and General Insurance Company Stillwater Property and Casualty Insurance PROGRESSIVE GROUP Selective Casualty Insurance Company Company Southern Farm Bureau Property Insurance Company American Strategic Insurance Corporation Selective Fire & Casualty Insurance Company Company Artisan and Truckers Casualty Company QBE GROUP Selective Insurance Company of America SUTTER INSURANCE COMPANY ASI Assurance Corporation Blue Ridge Indemnity Company Selective Insurance Company of New England SOUTHERN FINANCIAL INSURANCE GROUP SWISS RE GROUP ASI Home Insurance Corporation General Casualty Company of Wisconsin Selective Insurance Company of New York Capitol Preferred Insurance Company Facility Insurance Corporation ASI Lloyds General Casualty Insurance Company Selective Insurance Company of South Carolina Southern Fidelity Insurance Company, Inc. First Specialty Insurance Corporation ASI Preferred Insurance Corporation Hoosier Insurance Company Selective Insurance Company of the Southeast Southern Fidelity Property and Casualty North American Capacity Insurance Company ASI Select Insurance Corporation National Farmers Union Property and Selective Way Insurance Company SOUTHERN PIONEER INSURANCE COMPANY North American Elite Insurance Company ASI Selection Auto Insurance Corp. Casualty Company SENTRY INSURANCE GROUP Southern Pioneer Property & Casualty Company North American Specialty Insurance Company Drive New Jersey Insurance Company NAU Country Insurance Company Dairyland County Mutual Insurance Swiss Reinsurance America Corporation Mountain Laurel Assurance Company North Pointe Insurance Company STAR CASUALTY INSURANCE COMPANY Company of Texas Washington International Insurance Company National Continental Insurance Company Praetorian Insurance Company Dairyland Insurance Company STARR COMPANIES Westport Insurance Progressive Advanced Insurance Company QBE Insurance Corporation Florists’ Insurance Company Starr Indemnity & Liability Company Progressive American Insurance Company QBE Reinsurance Corporation TEXAS FARM BUREAU MUTUAL GROUP Florists’ Mutual Group Progressive Bayside Insurance Company QBE Seguros STATE AUTOMOBILE INSURANCE COMPANIES Farm Bureau County Mutual Insurance Middlesex Insurance Company Progressive Casualty Insurance - CT QBE Specialty Insurance Company American Compensation Insurance Company Company of Texas Patriot General Insurance Company Progressive Casualty Insurance Company Regent Insurance Company Beacon Lloyds Insurance Company Texas Farm Bureau Casualty Insurance Company Peak Property and Casualty Insurance Progressive Choice Insurance Company Southern Fire and Casualty Company Beacon National Insurance Company Texas Farm Bureau Mutual Insurance Company Corporation Progressive Classic Insurance Company Southern Guaranty Insurance Company Bloomington Compensation Insurance Company Texas Farm Bureau Underwriters (a Sentry Casualty Company Progressive Commercial Casualty Company Southern Pilot Insurance Company Farmers Casualty Insurance Company reciprocal) Sentry Insurance A Mutual Company Progressive County Mutual Insurance Company Stonington Insurance Company First Preferred Insurance Company Sentry Lloyds of Texas TEXAS MUTUAL INSURANCE COMPANY Progressive Direct Insurance - CT Unigard Indemnity Company Litchfield Mutual Fire Insurance Company Sentry Select Insurance Company Progressive Direct Insurance Company Unigard Insurance Company Meridian Citizens Mutual Insurance Companies TOKIO MARINE GROUP Viking County Mutual Insurance Company Progressive Express Insurance Company Meridian Security Insurance Company TM Specialty Insurance Company QUINCY MUTUAL GROUP Viking Insurance Company of Wisconsin Progressive Freedom Insurance Company Mid-Plains Insurance Company TNUS Insurance Company New England Mutual Insurance Company Progressive Garden State Insurance Company SFM MUTUAL INSURANCE COMPANY Milbank Insurance Company Tokio Marine & Nichido Fire Insurance Company Patrons Oxford Insurance Company Progressive Group of Insurance Companies - CT SFM Safe Insurance Company Patrons Fire Insurance Company of Rhode Tokio Marine America Insurance Company Quincy Mutual Fire Insurance Company Progressive Gulf Insurance Company SFM Select Insurance Company Island Trans Pacific Insurance Company Progressive Hawaii Insurance Corporation RESPONSIVE AUTO INSURANCE COMPANY Patrons Mutual Insurance Company of SHELTER INSURANCE COMPANIES TOPA INSURANCE GROUP Progressive Marathon Insurance Company Connecticut American Shield Insurance Company Topa Insurance Company RIDER INSURANCE COMPANY Petrolla Insurance Progressive MAX Insurance - CT Haulers Insurance Company, Inc. Plaza Insurance Company TOWER HILL INSURANCE GROUP, LLC Progressive Max Insurance Company RLI GROUP Shelter General Insurance Company Provision State Insurance Company Omega Insurance Company Progressive Michigan Insurance Company Contractors Bonding Insurance Company Shelter Mutual Insurance Company Rockhill Insurance Company Tower Hill Preferred Insurance Company Progressive Mountain Insurance Company Mt. Hawley Insurance Company Shelter Reinsurance Company Progressive Northern Insurance - CT RLI Insurance Company State Auto Florida Insurance Company Tower Hill Prime Insurance Company

19 Tower Hill Select Insurance Company Travelers Property Casualty Insurance Company Umialik Insurance Company Tower Hill Signature Insurance Company United States Fidelity and Guaranty Company Western Home Insurance Company ASSOCIATE MEMBER Western National Assurance Company TOYOTA MOTOR INSURANCE COMPANY TRI-STATE CONSUMER INSURANCE COMPANY Western National Mutual Insurance Company COMPANIES TRADERS INSURANCE COMPANY UNION FIDELITY LIFE INSURANCE COMPANY WESTERN SERVICE CONTRACT GROUP AKA TRAVELERS COMPANIES, INC. UNITED AUTOMOBILE INSURANCE GROUP PACIFIC SPECIALTY ADVANTAGE OPCO, LLC HERTZ CORPORATION American Equity Insurance Company Argus Fire & Casualty Insurance Company Pacific Specialty Insurance Company Advantage Rent A Car Dollar Thrifty Automotive Group, Inc. American Equity Specialty Insurance Company United Automobile Insurance Company Pacific Specialty Property Casualty Company ALLY FINANCIAL, INC. Hertz Claim Management Automobile Insurance Company of United Midwest Insurance Company WESTFIELD GROUP Hertz Company Hartford, Connecticut AUTOMOTIVE CREDIT CORPORATION UNITED EQUITABLE GROUP American Select Insurance Company Charter Oak Fire Insurance Company HYRECAR, INC. American Heartland Insurance Company Ohio Farmers Insurance Company AVIS BUDGET GROUP Discover Specialty Insurance Company United Equitable Insurance Company Old Guard Insurance Company AVIS Rent A Car System, LLC INSURANCE AUTO AUCTIONS, INC. Discovery Property & Casualty Insurance Westfield Insurance Company KEENAN AND ASSOCIATES AND REGENCY, A Company UNITED P&C INSURANCE COMPANY Westfield National Insurance Company CALIFORNIA EARTHQUAKE AUTHORITY Farmington Casualty Company American Coastal Insurance Company DIVISION OF KEENAN CARMAX BUSINESS SERVICES, LLC Fidelity and Guaranty Insurance Company Family Security Insurance Company WINDHAVEN INSURANCE COMPANY CarMax Auto Superstores, Inc. MANHEIM Interboro Insurance Company Fidelity and Guaranty Insurance WOODLANDS INSURANCE COMPANY Underwriters, Inc. United P&C Insurance Company COPART MAVEN DRIVE, LLC WRC GROUP OF COMPANIES QCSA Holdings, Inc. First Floridian Auto and Home Insurance UNITED SERVICES AUTOMOBILE ASSOCIATION MERCEDES-BENZ FINANCIAL SERVICES USA Company 1st Auto & Casualty Insurance Company Catastrophe Reinsurance Company COUNTY OF RIVERSIDE, P.S.I. LLC Gulf Underwriters Insurance Company Wisconsin Reinsurance Corp United Services Automobile Association MOTOR VEHICLE ACCIDENT Northfield Insurance Company USAA Casualty Insurance Company ZURICH NORTH AMERICA ENTERPRISE HOLDINGS Enterprise Rent-A-Car INDEMNIFICATION CORPORATION (MVAIC) Northland Casualty Company USAA County Mutual Insurance Company American Guarantee and Liability National Car Rental Northland Insurance Company USAA Garrison Property and Casualty Insurance Company NEW JERSEY PROPERTY-LIABILITY Rental Insurance Services - RIS Phoenix Insurance Company Association American Zurich Insurance Company INSURANCE GUARANTY ASSOCIATION Vanguard Car Rental USA, Inc. (Includes Premier Insurance Company of Massachusetts USAA General Indemnity Company Assurance Company of America Alamo Rent A Car) SANTANDER CONSUMER USA, INC. Select Insurance Company USAA Life Insurance Company Colonial American Casualty and Surety St. Paul Fire and Marine Insurance Company USAA Texas Lloyds Company Company FIFTH THIRD BANK SILVERCAR, INC. St. Paul Guardian Insurance Company Empire Fire and Marine Insurance Company SIXT RENT-A-CAR St. Paul Mercury Insurance Company UTICA FIRST INSURANCE COMPANY Empire Indemnity Insurance Company FLEXDRIVE, LLC St. Paul Protective Insurance Company UTICA NATIONAL INSURANCE GROUP Fidelity and Deposit Company of Maryland FOX RENT A CAR TEXAS ROADHOUSE HOLDINGS, LLC. St. Paul Surplus Lines Insurance Company Utica First Insurance Company Maryland Casualty Company TURO, INC. Standard Fire Insurance Company Founders Insurance Company Northern Insurance Company of New York GALPIN MOTORS, INC. TravCo Insurance Company Founders Insurance Company of Michigan Steadfast Insurance Company GIG CAR SHARE Travelers Casualty and Surety Company Graphic Arts Mutual Universal Underwriters Insurance Company Travelers Casualty and Surety Company of Republic Franklin Insurance Company Universal Underwriters of Texas Insurance America Utica Lloyds of Texas Company Travelers Casualty Company Utica Mutual Insurance Company Zurich American Insurance Company Travelers Casualty Company of Connecticut Utica National Assurance Company Zurich American Insurance Company of Illinois Travelers Casualty Insurance Company of Utica National Insurance Company of Ohio America Utica National Insurance Company of Texas STRATEGIC PARTNERS Travelers Commercial Casualty Company Utica Specialty Risk Travelers Commercial Insurance Company CARCO GROUP, INC. LEXISNEXIS RISK SERVICES Travelers Commercial Lines (Division Stats) WAWANESA INSURANCE GROUP Travelers Constitution State Insurance Company Wawanesa General Insurance Company CARFAX, INC. MVTRAC Travelers Excess and Surplus Lines Company Wawanesa Mutual Insurance Company CYCLEVIN LLC PLATE LOCATE Travelers Home and Marine Insurance Company WEST BEND MUTUAL INSURANCE COMPANY Travelers Indemnity Company Argent, A Division of West Bend DATADOT TECHNOLOGY USA SAFELITE SOLUTIONS, LLC Travelers Indemnity Company of America NSI, A Division of West Bend DRN DATA SHIFT TECHNOLOGY Travelers Indemnity Company of Connecticut Travelers Investigative Services (Division Stats) WESTERN GENERAL INSURANCE COMPANY EXPERIAN AUTOMOTIVE SOCIAL INTELLIGENCE Travelers Lloyds Insurance Company WESTERN NATIONAL MUTUAL GROUP INFORM SOFTWARE CORPORATION BOAT HISTORY REPORT (BHR) Travelers Lloyds of Texas Insurance Company American Freedom Insurance Company INSTAVIN VINAUDIT Travelers Personal Insurance Company Arizona Automobile Insurance Company Travelers Personal Lines (Division Stats) Michigan Millers Mutual Insurance Company INTERTEL Travelers Personal Security Insurance Company Pioneer Specialty Insurance Company Travelers Property Casualty Company of America 20 FINANCIAL STATEMENTS STATEMENTS OF FINANCIAL POSITION STATEMENTS OF ACTIVITIES

Years ended December 31, Years ended December 31, ASSETS 2018 2017 REVENUES 2018 2017 Current assets $9,104,314 $9,704,276 Assessments and member services $52,727,135 $51,183,307 Investments 40,585,145 43,256,994 Geospatial member assessment 8,341,908 - Property and equipment, net 1,322,187 1,634,930 Data related and strategic partnership 1,081,051 1,055,682 Other assets 115,662 113,902 Investment return, net (2,647,790) 5,901,153 TOTAL ASSETS $51,127,308 $54,710,102 Loss on disposal of property and equipment (731) (8,792) Miscellaneous income 31,541 1,843 LIABILITIES AND NET ASSETS Net assets released from restriction - 15,542 Current liabilities $7,952,453 $9,880,195 TOTAL REVENUES $59,533,114 $58,148,735 Capital lease obligation, net of current portion - 2,276 Other long-term liabilities 452,094 475,054 EXPENSES Accrued post-retirement benefits, net of current portion 18,591,000 19,573,000 Salaries $30,782,764 $29,797,647 TOTAL LIABILITIES 26,995,547 29,930,525 Geospatial imagery 7,339,015 1,571,426 NET ASSETS WITHOUT DONOR RESTRICTIONS 24,129,144 24,779,577 Retirement and employee benefits 6,739,668 6,298,773 NET ASSETS WITH DONOR RESTRICTIONS 2,617 - Technical fees and services 2,565,908 1,620,811 TOTAL LIABILITIES AND NET ASSETS $51,127,308 $54,710,102 Payroll taxes 2,252,019 2,190,511 Automobile operations 2,089,468 2,026,436 Dues and fees 2,035,010 1,984,742 Office expense 1,609,367 1,600,955 Travel and group meetings 944,180 862,297 Other 5,002,148 4,810,812 TOTAL EXPENSES $61,359,547 $52,764,410 Change in net assets without donor restrictions (1,826,433) 5,384,325 before post-retirement-related changes other than net periodic post-retirement costs Post-retirement related changes other than 1,176,000 (2,479,000) net periodic post-retirement costs TOTAL CHANGE IN NET ASSETS (650,433) 2,905,325 WITHOUT DONOR RESTRICTIONS Contributions 2,617 15,542 Net assets released from restriction - (15,542) Total change in net assets with donor restrictions 2,617 - CHANGE IN NET ASSETS (647,816) 2,905,325 Net assets, beginning of year 24,779,577 21,874,252 Net assets, end of year $24,131,761 $24,779,577

These financial statements have been prepared by management in conformity with generally accepted accounting principles and include all adjustments which, in the opinion of management, are necessary to reflect a fair presentation. This presentation represents a summarization from audited financial statements. Certain reclassifications of prior year amounts have been made to conform to current year presentation.

21 NOTES TO FINANCIAL STATEMENTS FUNCTIONAL PROGRAM EXPENSES

Years ended December 31, ASSESSMENT REVENUES DATA ANALYTICS 2018 2017 The activities of the National Insurance Crime $1,714,494 to further develop the program, Strategic $3,496,646 $3,378,333 Tactical 2,561,782 2,395,197 Bureau (“NICB”), conducted principally which includes $149,451 and $143,068 Information aggregation and analysis 1,688,526 1,563,907 in the United States, are financed through of indirect costs for the years ended TOTAL DATA ANALY TICS 7,746,954 7,337,437 assessments of its member insurance December 31, 2018 and 2017, respectively. INVESTIGATIONS carriers. Such assessments are determined Domestic vehicle recovery $4,268,342 $4,106,251 according to a formula based upon gross NICB POST-RETIREMENT PLAN Repatriation 1,713,757 1,730,023 premiums for certain lines of business The NICB provides certain healthcare Major cases - vehicle 1,896,395 1,836,065 Major cases - property and casualty 2,300,816 2,229,269 written by member companies and annual and life insurance benefits for retired Field investigations 6,002,305 5,776,916 verification received from them. During employees. Employees hired prior to Commercial fraud 2,091,267 2,024,068 the years ended December 31, 2018 and April 1, 2004 are eligible to receive this Major medical fraud task forces 12,260,201 11,812,774 2017, nine member organizations made benefit. The NICB Post-Retirement Plan Law enforcement assistance 4,085,863 4,025,385 up approximately 54% of the NICB’s is unfunded. As of December 31, 2018, TOTAL INVESTIGATIONS 34,618,946 33,540,751 assessment and member service revenues. recognition of the net unfunded status of TRAINING the NICB Post-Retirement Plan resulted Member company training $1,201,930 $1,168,696 Law enforcement training 1,144,562 1,108,370 NET ASSETS WITHOUT in current liabilities of $852,000 and Internal training 709,628 691,358 DONOR RESTRICTIONS non-current liabilities of $18,591,000 for NICTA 739,457 719,964 Net assets without donor restrictions are a total benefit obligation of $19,443,000. TOTAL TRAINING 3,795,577 3,688,388 not subject to donor-imposed stipulations LEGISLATIVE ADVOCACY 1,447,980 1,466,281 or time restrictions. LITIGATION PUBLIC AWARENESS 1,327,596 1,303,202 The NICB has been named as a defendant GEOSPATIAL INTELLIGENCE 8,491,359 1,714,494 NET ASSETS WITH DONOR in certain lawsuits wherein the plaintiffs TOTAL PROGRAM SERVICES 57,428,412 49,050,553 RESTRICTIONS seek to recover damages based upon ADMINISTRATIVE & GENERAL 3,931,135 3,713,857 Net assets with donor restrictions represent various allegations arising from certain of TOTAL FUNCTIONAL EXPENSES $61,359,547 $52,764,410 contributions subject to donor-imposed these organizations’ investigations. After restrictions. These contributions are designated considering the merits of these actions and for special operations in support of law the opinions of outside counsel, together enforcement and fraud-fighting activities. with the organizations’ liability insurance coverage, management of the NICB believes GEOSPATIAL INTELLIGENCE that the ultimate liability for these matters, Geospatial Intelligence was developed to if any, will not have a material adverse effect provide the insurance industry and others on the NICB financial statements. with comprehensive geospatial imagery “Gray Sky” and analytics related to natural TA X STATUS or manmade catastrophic events that The NICB has received a favorable members may use to deal with insurance determination letter from the Internal claims and prevent fraud. Revenue Service dated September 9, 1991, and reaffirmed in 2001, stating that The program platform delivers catastrophe it qualifies as a not-for-profit corporation monitoring and response, comprehensive as described in Section 501(c)(4) of the “Blue Sky” aerial imagery coverage of the Internal Revenue Code (IRC) and, as United States, and advanced analytics to such, is exempt from federal income taxes include pre- and post-damage assessment on related income pursuant to section to its members; leading to more informed 501(a) of the IRC. The NICB continues underwriting, better claims decisions, to qualify as a not-for-profit corporation reduced fraud and faster catastrophe response. under Section 501(c)(4). The scope of the program is dependent on special assessments from its members. The NICB expended $8,491,359 and 22 BOARD OF GOVERNORS

MATTHEW C. MURPHY JAMES McSHEFFREY JOHN BURNS MIKE NEUBAUER, CHAIR LYNNE BR ADY PETER D. McCARRON MARK OPPENHEIM Vice President, Claim Vice President, Vice President of Operations – Vice President, Vice President, Senior Vice President, Claims General Manager Solutions & Analytics Claims Operations P&C Claims Property and Casualty Claims External Anti-Fraud Commercial P&C Claim PROGRESSIVE INSURANCE Division THE HANOVER INSURANCE STATE FARM METLIFE NATIONWIDE INSURANCE CNA THE HARTFORD FINANCIAL GROUP SERVICES GROUP, INC.

JEAN GUAN ERIK A. ROEN JEREMY T. CONNOR MICHAEL CAPUZZI, MICHAEL J. PRANDI, PAUL D. DIEMER TIM MURR AY PETER RAUBENHEIMER Vice President, Senior Vice President, Regional Vice President VICE CHAIR IMMEDIATE PAST CHAIR Senior Vice President, Head of Claims Shared Vice President Claims No Fault & SIU Claim Business Intelligence GOVERNMENT EMPLOYEES Senior Vice President, Chief Operations Officer Risk Management Services Experience Operations & Analytics and Travelers INSURANCE COMPANY (GEICO) Field Claims WESTFIELD GROUP ENTERPRISE HOLDINGS FARMERS INSURANCE USAA LIBERTY MUTUAL Investigative Services ALLSTATE INSURANCE INSURANCE GROUP TRAVELERS INSURANCE COMPANY COMPANIES

NOT PICTURED: CLAUDIA RODRIGUEZ Vice President, Insurance Claims, AUTO CLUB OF SOUTHERN CALIFORNIA 23 ADVISORS TO THE BOARD

DENNIS JAY NANCY GUGLIELMO RICHARD DELLA ROCCA DOUGLAS E. LINDQUIST WADE WICKRE Executive Director Vice President, BITS Fraud Reduction Program President, Verisk Insurance Solutions Assistant Director Director of the Special Investigations Unit COALITION AGAINST INSURANCE FRAUD THE FINANCIAL SERVICES ROUNDTABLE ISO CLAIMS ANALYTICS Criminal Justice Information Services Division NATIONWIDE MUTUAL INSURANCE COMPANY (CJIS) President FEDERAL BUREAU OF INVESTIGATION (FBI) INTERNATIONAL ASSOCIATION OF SPECIAL INVESTIGATION UNITS (IASIU)

24 NICB SENIOR LEADERSHIP TEAM

BARBARA M. ALAN ANDREW J. JOSEPH H. ROBERT J. ROGER ALLEN LOW HASKINS SOSNOWSKI WEHRLE, JR. JACHNICKI MORRIS BOEHMER Vice President — Vice President — Senior Vice President President and Chief Senior Vice President and Vice President and Chief Chief Inspector and Human Resources Government Affairs and General Counsel Executive Officer Chief Financial Officer Communications Officer Compliance Officer

GEORGE C. MICHAEL DANIEL G. JAMES K. KAREN A. BRIAN WORSHAM SINNO ABBOTT SCHWEITZER GRACZYK SMIDT Vice President — Vice President — Senior Vice President and Senior Vice President and Vice President — Vice President — Membership and Marketing Learning and Development Chief Information Officer Chief Operating Officer Information Technology Data Analytics

25 The NICB Annual Report is published by the Communications Department of the National Insurance Crime Bureau (NICB), a not-for-profit organization supported by more than 1,300 property-casualty insurance companies, self-insured organizations and strategic partners. Contents may be published whole, or in part, with attribution.

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