TAKING FRAUD BY STORM

2 017 Annual Report 2 President’s Letter: It’s Raining Solutions at NICB CONTENTS 4 Data Analytics: Faster Storm Chasing 6 Investigations: Shooting For (and From) the Sky 8 Training: Steady in any Weather

Photo: Tornado damage in Texas 10 Legislative Advocacy: Stealing Fraud’s Thunder 12 Public Awareness: A Flood of Vital Information 14 Membership: New Ports in the Storm 15 Membership Listings 22 Financial Statements 24 Board of Governors 26 Advisors to the Board 27 NICB Senior Leadership Team Harvey, Irma, Maria. solution proving its mettle before, during and after vastly expanding our members’ abilities to quickly struck and wreaked their havoc, our teams instantly PRESIDENT’S natural disasters in assisting NICB members, first uncover potentially fraudulent claims, support their mobilized. Every department got involved, with In 2017, this trio of names was indelibly etched into responders and law enforcement agencies. investigations and streamline workflow efficiencies. team members working day and night to support the insurance industry’s collective memory. response efforts. We did it the same way we have LETTER This solution starts with something the NICB has • We introduced a new website in 2017 for since 1912: Selflessly and with the best interests of They were among the 17 named storms and 10 Atlantic during natural catastrophes that private companies consumers to more easily gather information our members, law enforcement agencies and the hurricanes that battered the United States and NICB lack: Access to affected areas given our century- that can help them avoid becoming crime American public top of mind. members with record-setting damage and insurance long relationships with law enforcement agencies victims, as well as better understand the insurance It’s Raining Solutions at NICB claims. It was a year none of us will soon forget: nationwide. From there, we partnered with leading- industry’s proactive solutions for addressing There’s no umbrella large enough that can protect Several Category 5 hurricanes; only the second year edge technology experts to create an intelligence- fraud and vehicle theft. insurance criminals from getting soaked by NICB since 2007 in which two Cat 5 storms made landfall; gathering process that uses high-resolution aerial solutions. And among the few things that haven’t and tied for the most consecutive Atlantic hurricanes imagery to not only assist first responders and law • Our Training Department began to redevelop changed during the past 105 years is the NICB’s since recordkeeping began in 1851. enforcement agencies in saving lives, but also help more than 1,300 paper-based NICB Indicators extraordinary appreciation and gratitude to our Photo: Geospatial Intelligence Center before-and- our members assess and pay damage claims faster. of Fraud to transform them into interactive tools members for your partnership. Together, we’ve after images of Hurricane Irma damage in Florida BEFORE It was also the costliest hurricane season ever with which provide a faster avenue for identifying proven we can weather any storm. more than $280 billion in damages, easily eclipsing With this unique access and groundbreaking fraud indicators in claim submissions. the previous $159 billion mark established in 2005 technology, we now play a bigger role in helping when Hurricane Katrina slammed New Orleans. storm and disaster victims more quickly get their • NICB Government Affairs experts supported lives back together. After reading about the legislation that not only curbed rogue contractors Joseph H. Wehrle, Jr. These 2017 storms, as well as other natural disasters GIC’s progress and massive potential in this from defrauding our members and their insureds President and Chief Executive Officer such as record-setting wildfires and mudslides in annual report’s “Investigations” section, I’m sure following natural disasters, but they also helped California and Tennessee, left catastrophic human, you’ll be as excited about this solution as all of several state fraud bureaus obtain additional financial and emotional devastation in their wake. us are at NICB. crime-fighting resources. Yet they also left something else: Spatial-age solutions are just one way we rained • Our Public Awareness efforts blanketed areas Fraud. And lots of it. on fraud’s parade in 2017. Many of our crime- affected by the year’s storms and natural disasters fighting responses are ones the NICB has offered with messages that helped homeowners and And that’s where the National Insurance Crime for years, yet we continually improve upon them businesses from being victimized twice by Bureau enters the picture. In 2017, we took fraud to deliver greater impact for members, law criminals who prey upon them during these crises. by storm by deploying our ingenuity, technologies enforcement agencies, lawmakers, prosecutors and well-earned reputation as an organization and the American public. Add it all up and our membership enjoyed a 15:1 that immediately addresses massive problems. return on investment in 2017. For example: Our newly formed Geospatial Intelligence Center, None of our results and progress on so many or GIC, is one example of how we do this. What • We migrated information and data from our fronts would have been possible without the began with a 2014 membership survey regarding former members-only website to the Insurance united front demonstrated by the NICB’s nearly cybercrime issues, the GIC is now a first-of-its-kind Services Office (ISO) ClaimSearch® system, thus 400 employees. When these natural catastrophes AFTER

2 Insurance criminals rely on speed when trying safe technology allows members to safely share DATA to defraud insurers and outrun law enforcement claims material for investigations. agents. They commit crimes quickly, push for fast claims settlements and hope we’ll be several steps Further, we enhanced secure file transfer protocol A N A LY T IC S behind when coming after them. (FTP) delivery of fraud alert information to improve our members’ workflow efficiencies. For example, In 2017, our Data Analytics team accelerated using FTP, we can instantly gather multiple NICB our members’ abilities to move rapidly, efficiently fraud alerts and directly deliver them via encrypted Faster Storm Chasing uncover fraudulent claims, and better stay ahead transfers to our members’ systems, thus allowing of the criminal storm. them to immediately distribute this valuable information within their own organizations to detect Information clutter is the last thing any of us want to potentially fraudulent claims before payments are encounter when detecting, deterring and stopping made. Our secure FTP sites were also an invaluable 2017 KEY STATISTICS Photo: NICB Data Analysts provide vital training to insurance crime. It simply slows us down, which is tool for members when transmitting large, complex member companies, law enforcement and other agencies what criminals hope for. As information delivery claims data related to 2017’s hurricanes, therefore to assist them in their insurance fraud investigations. ForeCASTSM Reports Published systems have evolved in recent years, so have supporting faster storm response efforts. NICB methods for providing data to members for 37 analysis and investigation. And what started last year as a Texas-based project MedAWARE® Alerts Published and then quickly expanded into a nationwide beta 755 To speed things up and cut through clutter, in 2017, test is QCNet, which identifies service providers— we completed the migration of data previously such as body shops and health clinics—that ForeWARNSM Alerts Published housed on the NICB’s members-only website to have been involved in two or more questionable 2,679 the ISO ClaimSearch system. Now, members claims. This geographic dashboard highlights the Questionable Claim Submissions can access information on fraud trends, schemes name and location of providers so members can and crime developments from one system rather review their claims closely and more effectively net 122,935 than multiple databases; quickly assess claim potentially fraudulent ones. Cases Supported by Tactical Analysis Unit submissions for potential fraud indicators; and 74 make faster and more informed decisions as a Our data analytics speed isn’t limited to technology result. We moved more than 8,000 members-only systems. Our team’s Field Information Analysts Hotline Calls/Webtips Processed website users to ClaimSearch last year. are also fleet of foot. During 2017’s many natural 6,064 disasters and weather-related crises, their expertise Data Analytics Investigative Leads Sent Among the new features we developed on ISO was called upon by members and law enforcement to NICB Field Operations ClaimSearch is the NICB Secure FileXchange, agencies to help root out potential fraud. We which provides a secure location for members quickly embedded field analysts in on-site disaster 5,309 to exchange claim file materials with the NICB. centers to support response efforts, mitigate Tactical Products Produced in Replacing previously slower and less protected property loss damage claims, and help NICB Support of Investigations delivery methods, Secure FileXchange’s consistently members get ahead of the fraud storm front. 230

4 2017 KEY STATISTICS Given our role as the nation’s preeminent While the GIC proved highly successful following organization dedicated to fighting insurance crime, Hurricanes Harvey, Irma and Maria, as well as INVESTIGATIONS Member-Reported Loss Mitigation we’ve always had a street-level view of fraud and last year’s devastating wildfires and mudslides, we theft developments. In 2017, we elevated that recognized it also offers value to NICB members $34,937,923 perspective to new heights with the Geospatial when skies are blue. Restitution Ordered Shooting For (and From) the Sky Intelligence Center (GIC), which uses high- $58,061,387 resolution aerial imagery to document and map Our GIC partners have more than 100 aircraft that conditions on the ground. can collect similarly precise mapping images during NICB Agent Vehicle Recoveries/Value calm weather conditions, which NICB members can 20,514 / The GIC was conceived as a unique intelligence utilize, for instance, to more effectively underwrite Photo: Field Analyst Raun Bass (lower right) works $59,187,681 solution for when skies are gray and stormy. During property insurance policies. To support fraud with first responders at the Emergency Operations natural disasters, we gather, format and analyze prevention efforts, members can compare blue and Vehicle Repatriations/Value Center in Austin, Texas following Hurricane Harvey. imagery of areas affected by these events, and gray sky photos to flag questionable claims, such 2,379 / present it in an interactive format which maps as policyholders who say their roof was damaged $15, 211, 859 and defines locales needing assistance. With by a tornado, but which the aerial images showed NICB team members sitting side by side with had problems prior to the storm. We are in the NICB Agent Specialized first responders and law enforcement agencies process of collecting blue sky imagery of every Equipment Recoveries/Value in emergency centers, we help them interpret the address in the lower 48 states, and will provide the 1,233 / images so they can more efficiently deploy their highest resolution 360-degree images for the 150 $18,131,712 life-saving strategies. largest metropolitan areas in the country. NICB Agent Cargo Theft Property Recoveries/Value Simultaneously, NICB members participating in the This initiative is a non-profit collective effort owned by GIC have interactive access to the imagery that the insurance industry and managed by the NICB, 65 / allows them to examine damages to their insureds’ whose unique law enforcement access anchors its $5,769,422 residences, commercial structures and vehicles. With foundational core. Members participating in the GIC this information, they can quickly integrate GIC results share in its costs and can use the imagery as they wish. into their claim settlement processes and mobilize catastrophe response efforts to assist policyholders. Back on the ground, our Field Operations team in 2017 also reaffirmed our front-row stance of taking The GIC is remarkably focused. Whereas the best fraud by storm. Last year, we participated in more commercial satellites can take ground pictures than 200 fraud and theft investigative task forces with a one-half meter resolution, the GIC’s image- nationwide, hosted the annual Vehicle Finance Fraud gathering technology can pinpoint to within 7.5 Conference and the National Cargo Theft Summit, centimeters. This view offers greater clarity for NICB worked with global law enforcement agencies to members to instantaneously assess damages and, in improve international stolen vehicle identifications some cases, process claims from the images alone, and recoveries, and partnered with vehicle which helps disaster victims recover even faster. manufacturers to strengthen anti-theft technologies.

6 Taking fraud by storm goes beyond headline- Today, NICTA offers approximately 100 educational TRAINING grabbing initiatives. It also requires steady, long- offerings, including new courses on Hit While Parked term approaches that can successfully confront Fraud and Vehicle Glass Fraud. During the past evolving crime trends. year when natural catastrophes presented such historic challenges for members, 4,200 students Steady in any Weather NICB training is a perfect example. took the NICTA catastrophe fraud course, 3,500 enrolled in its tangential property fraud course, Insurance crime education presents a significant and nearly 1,700 students signed up for the learning curve given the scope and complexity questionable water claim learning module. of the issues we battle daily. The NICB has Photo: NICB Training provides Indicators of Fraud pioneered multiple approaches for addressing Moving from online to on-site, NICB training and other downloadable documents online. the educational requirements of our members and directors and agents led more than 1,000 law enforcement community partners…from entry- FraudSmart® classroom sessions in 2017 that level claims identification to complex analyses reached 33,000 member representatives and law deployed by veteran fraud investigators. We have enforcement agents. Our FraudSmart catastrophe long championed offering a range of training and related property fraud courses attracted more options that can best fit the needs, interests and than 1,100 students alone. availabilities of crime fighters, and in 2017, we 2017 KEY STATISTICS reached more than 80,000 people with our online We also began to redevelop our more than and on-site educational programming. 1,300 paper-based Indicators of Fraud into Member Students Trained in interactive training aids for NICB members. This FraudSmart Classroom Sessions With so many natural disasters last year, we initiative marks a major shift in how insurers can 17,9 21 identified a trend of Additional Living Expenses flag potentially fraudulent claims: The interactivity Students Enrolled in NICTA (ALE) coverage abuse in communities affected allows claims representatives to more easily and by these catastrophes. In response, our training swiftly identify fraud indicators, and improve their 46,812 team created indicators to help NICB members customer service efforts. Value of Member Classroom, identify and flag potential post-disaster ALE fraud Academy and Online Training scams, such as when people dramatically upgrade Since 1992, the greatest numbers of member $6,903,475 their standard of living when not occupying their representatives benefiting from NICB training primary home, rent an oversized house with have all occurred during the past five years, Law Enforcement Students Trained in luxurious amenities, or engage in deals with with 2017 being the fourth highest on record. FraudSmart Classroom Sessions unscrupulous landlords for rent kickbacks. This trend not only demonstrates the value and 15,824 importance of anti-fraud training, it also validates Continuing Education Credits Issued Operated by the NICB, the National Insurance our team’s steady approaches for supporting 15,834 Crime Training Academy (NICTA) celebrated a mile- member educational requirements. stone in 2017 with its 1 millionth online enrollment. Visitors to nicbtraining.org 93,500

8 2017 KEY STATISTICS Criminals can be so preoccupied trying to steal • To address rogue roofing contractors in Kentucky from the insurance industry and American public who descend upon communities following storms, LEGISLATIVE New State Anti-Fraud Laws Passed that they don’t pay attention to groundbreaking we were a lead expert witness in the state’s legislation targeting their illegal activities. Before they senate and house insurance committees to create 11 ADVOCACY know it, their thunder has been stolen and they face stronger penalties protecting homeowners and Ala./Miss. Insurance Fraud & Vehicle significant penalties when caught, including prison businesses from illicit roofers and contractors. Crime Summit Attendees time, licensure revocations and financial restitution. 12 0 • Anti-fraud resource development and allocation Stealing Fraud’s Thunder Our Government Affairs team spearheads a were also key goals last year. In North Carolina, States With NICB Legislative Involvement whirlwind of legislative initiatives that strategically we contributed to the passage of a law which 31 address pertinent insurance crime problems doubled the size of the department of insurance’s N.C. Department of Insurance’s Fraud in states nationwide. Each year, we create an fraud unit budget and resources. In Virginia, Unit Budget Increase agenda identifying the states’ particular fraud and we championed an amendment allowing the Photo: Government Affairs Director Tim Lynch theft issues, and then collaborate with lawmakers, Virginia State Police to utilize existing budget $2 MILLION (second from right) and other insurance industry trade associations, insurers and others to devise funds for insurance fraud prosecutors. And in Minnesota’s Anti-Fraud Funding Increase leaders testified on insurance fraud issues before a effective, lasting solutions. Minnesota, our team successfully supported U.S. Senate Committee on Commerce. $1.3 MILLION legislation that increased funding for fraud In 2017, our work in 31 states culminated in the investigations, and granted additional powers passage of 11 new laws, many of which target to the state’s fraud division to execute search criminals who prey upon storm victims. This legislation warrants and order restitution. is critical because insurance fraud is sure to follow in the aftermath of hurricanes, hailstorms, floods, • To more quickly steal the thunder from scam artists tornadoes, wildfires and other natural disasters. in the Keystone State, we added Pennsylvania to the NICB Fraud Reporting Program, which Among the highlights: simplifies questionable claim submissions for the state’s insurers and supports faster, more • In Texas, homeowners who filed post-storm knowledgeable claims decisions. vehicle and property claims were unknowingly being included in lawsuits filed by third parties During the 2017 Alabama/Mississippi Insurance against insurers. The extraordinary scope of this Fraud & Vehicle Crime Summit, cargo and heavy bogus litigation made it the insurance industry’s equipment theft, property crime losses and catastrophe top anti-fraud priority in the state. We led a response efforts dominated the agenda. Among the campaign to educate lawmakers about the summit’s resulting recommendations were additional harmful costs and effects of this litigation on resources for law enforcement, greater information Texans, and helped craft a law to curb it. sharing among those addressing insurance crime, and aligning public-private resources to more effectively address crime trends.

10 Natural disasters bring out the best and worst Since the NICB’s founding, vehicle theft has never PUBLIC in people. First responders who unselfishly place been out of the news. In 2017, theft rates rose for others’ interests above their own typify the best. the second year in a row. One possible cause for Then there are the fraudsters who, motivated by the increase is the skyrocketing price of auto parts AWARENESS greed, place their own interests above others on newer vehicles. In this lucrative market, chop during times of crisis. shops make fast and big money stripping parts from stolen vehicles. To help protect consumers from When natural disasters happen one after the other becoming theft victims, we hit back with localized A Flood of Vital Information as they did in 2017, one of the NICB’s unique public awareness campaigns that shared anti- response roles is to flood media channels with stories, crime messages targeted to specific community education and tips for how the American public can concerns, such as the Hot Spots vehicle theft avoid being victimized by insurance criminals. satellite media tour during which we conducted more than 30 local media interviews in five hours. Photo: More than 23,000 flooded cars at one For instance, people whose vehicles are flooded salvage facility near Houston by hurricane storm surges can be easy targets for And in Florida, we devised a communications criminals. More than 650,000 insured vehicles in campaign to build awareness of a gap in state 2017 KEY STATISTICS Texas and Florida incurred water damage during law that allows people to assign insurance claims Hurricanes Harvey and Irma, and were subsequently to a third party to negotiate on their behalf. This Print, Electronic and Online News rebranded as flood-damaged. However, untold loophole led to a 7,000 percent increase in Media Ad Equivalency Value others did not carry comprehensive insurance. insurance claim filings and became a cottage $107,500,742 Many owners will sell these vehicles online with industry for unscrupulous contractors and lawyers no disclosure of their water damage, or sell them who ultimately receive the rights to the claims. Public Service Announcements to used car dealers who, after cosmetic cleanings, Through a Facebook social media campaign and Ad Equivalency Value fraudulently market them as non-flooded autos television ads, we partnered with NICB members $8,486,972 and trucks. As a result, tens of thousands of unsafe and trade organizations to let Floridians know 2017 YouTube Channel Views vehicles may be back on the road being driven by they’re being ripped off through these practices. motorists with no idea of their potential danger. 1,401,876 Words and visuals have been the nuts and bolts Facebook Followers Through NICB public service announcements, of NICB anti-fraud public awareness efforts for 5,715 news releases, advertisements, media relations 105 years. Today, our media channels range from efforts and collateral materials supplied to insurers the prehistoric (newspapers), to recently ancient Twitter Followers and public agencies, we promoted how the (television and radio), to 21st century (social 2,397 insurance industry helps get these vehicles off media, YouTube and infographics). Throughout this LinkedIn Followers the road, checked for water damage, and then century-long torrent of vital information, our public properly titled and legally sold as flooded vehicles awareness messages have kept the American 6,455 so consumers know exactly what they’re getting public well informed about relevant issues in our LinkedIn Impressions when purchasing a used car or truck. fight against fraud and theft. 992,984

12 Among the most effective weapons in fighting We also welcomed several NICB vendors as Strategic MEMBERSHIP insurance fraud and vehicle theft is information Partners in 2017. These 16 new organizations — MEMBERSHIP sharing. It has been that way since 1912 when recognized in our annual report, website and insurance companies used stamped woodcut prints of Passenger VIN Manuals — provide vital expertise, automobiles to create stolen vehicle reward bulletins. technologies and resources that support our LISTINGS New Ports in the Storm Back then, car dealerships provided the woodcut mission and vision. stamps to insurers, who used them to print reward offers on cards which were then sent to local law NICB members joined us every step of the way in Active Groups in 2017 enforcement agencies to support theft investigations. developing these new informational ports — and portals — in the fraud storm. Thanks to our strong AAA OF THE CAROLINAS - MEMBERS FIREMAN’S FUND INSURANCE COMPANY ESURANCE PROPERTY AND CASUALTY INSURANCE COMPANY AMERICAN MODERN INSURANCE GROUP ARBELLA PROTECTION INSURANCE COMPANY, INC. MEMBERS INSURANCE COMPANY FIREMAN’S FUND INSURANCE COMPANY OF HAWAII, INC. FIRST COLONIAL INSURANCE COMPANY AMERICAN FAMILY HOME INSURANCE COMPANY COMMONWEALTH MUTUAL INSURANCE COMPANY While not quite a 21st century online portal that partnerships and relationships, we’re not only INTERSTATE FIRE & CASUALTY COMPANY INTRAMERICA LIFE INSURANCE COMPANY AMERICAN MODERN HOME INSURANCE COMPANY COMMONWEALTH REINSURANCE COMPANY AAA OF THE CAROLINAS - UNIVERSAL NATIONAL SURETY CORPORATION LINCOLN BENEFIT LIFE COMPANY AMERICAN MODERN INSURANCE COMPANY OF FLORIDA COVENANT INSURANCE COMPANY whisks data anywhere globally within seconds, improving how the insurance industry fights crime, UNIVERSAL INSURANCE COMPANY (NC) NORTH LIGHT SPECIALTY INSURANCE COMPANY AMERICAN MODERN LLOYDS INSURANCE COMPANY the woodcut stamp prints were nonetheless an but helping the American public recognize their ALLSTATE INSURANCE GROUP ASCENDANT COMMERCIAL INSURANCE COMPANY ACCC INSURANCE COMPANY NORTHBROOK INDEMNITY COMPANY AMERICAN MODERN SELECT INSURANCE COMPANY ALIC REINSURANCE COMPANY ingenious sharing of crime-fighting information role in the battle as well. SURETY LIFE INSURANCE COMPANY AMERICAN MODERN SURPLUS LINES INSURANCE COMPANY ASPIRE GENERAL INSURANCE COMPANY ACCESS INSURANCE COMPANY ALLSTATE ASSURANCE COMPANY using available technology. AMERICAN SOUTHERN HOME INSURANCE COMPANY ALLSTATE COUNTY MUTUAL INSURANCE COMPANY ALLY INSURANCE HOLDINGS, INC. ASSURANCEAMERICA INSURANCE COMPANY AEGIS GROUP AMERICAN WESTERN HOME INSURANCE COMPANY ALLSTATE FIRE & CASUALTY INSURANCE COMPANY CIM INSURANCE CORPORATION AEGIS SECURITY INSURANCE COMPANY FIRST MARINE INSURANCE COMPANY ASSURANT SOLUTIONS ALLSTATE INDEMNITY COMPANY MIC PROPERTY AND CASUALTY INSURANCE CORPORATION The same general concept applied 105 years later AMERICAN SENTINEL INSURANCE COMPANY AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA ALLSTATE INSURANCE COMPANY MOTORS INSURANCE CORPORATION AMERICAN NATIONAL P&C GROUP when our Membership and Marketing Department AMERICAN BANKERS LIFE ASSURANT COMPANY OF FL 2017 KEY STATISTICS AF GROUP ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK AMERICAN NATIONAL COUNTY MUTUAL INSURANCE COMPANY AMERCO CORP GROUP AMERICAN SECURITY INSURANCE COMPANY established a new website in 2017 that offers the ACCIDENT FUND GENERAL INSURANCE COMPANY ALLSTATE NEW JERSEY INSURANCE COMPANY AMERICAN NATIONAL GENERAL INSURANCE COMPANY AMERCO CORP CARIBBEAN AMERICAN PROPERTY INSURANCE COMPANY ACCIDENT FUND INSURANCE COMPANY OF AMERICA ALLSTATE NEW JERSEY PROPERTY AND CASUALTY AMERICAN NATIONAL LLOYDS INSURANCE COMPANY American public an informational port in the storm NORTH AMERICAN FIRE & CASUALTY INSURANCE COMPANY RELIABLE LLOYDS INSURANCE COMPANY NICB Members, Associate Members ACCIDENT FUND NATIONAL INSURANCE COMPANY INSURANCE COMPANY AMERICAN NATIONAL PROPERTY AND CASUALTY COMPANY REPWEST INSURANCE COMPANY STANDARD GUARANTY INSURANCE COMPANY on issues regarding insurance crime. The enhanced COMPWEST INSURANCE COMPANY ALLSTATE NORTH AMERICA INSURANCE COMPANY ANPAC LOUISIANA INSURANCE COMPANY and Strategic Partners VOYAGER INDEMNITY INSURANCE COMPANY website features a new interface, complete with THIRD COAST UNDERWRITERS ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY AMERICAN ALLIANCE CASUALTY COMPANY FARM FAMILY CASUALTY INSURANCE COMPANY 1,100+ UNITED WISCONSIN INSURANCE COMPANY ALLSTATE TEXAS LLOYD’S PACIFIC PROPERTY & CASUALTY COMPANY ATLAS FINANCIAL HOLDINGS GROUP informative videos and news updates that help AMERICAN FAMILY INSURANCE GROUP ALLSTATE VEHICLE & PROPERTY INSURANCE COMPANY UNITED FARM FAMILY INSURANCE COMPANY AMERICAN COUNTRY INSURANCE COMPANY ALINSCO INSURANCE COMPANY AMERICAN FAMILY INSURANCE COMPANY consumers more easily understand insurance Written Insurance Premiums in 2017 AMERICAN HERITAGE LIFE AMERICAN SERVICE INSURANCE COMPANY, INC. AMERICAN FAMILY LIFE INSURANCE COMPANY AMERICAN ROAD INSURANCE COMPANY, INC. (TARIC) fraud and vehicle theft schemes, the price they pay by Member Companies ALLIANCE INSURANCE COMPANIES CASTLE KEY INDEMNITY COMPANY GATEWAY INSURANCE COMPANY AMERICAN FAMILY MUTUAL INSURANCE COMPANY ALLIANCE INDEMNITY COMPANY CASTLE KEY INSURANCE COMPANY AMERIPRISE INSURANCE COMPANY GLOBAL LIBERTY INSURANCE COMPANY OF NEW YORK for these crimes, how to avoid becoming crime AMERICAN STANDARD INSURANCE COMPANY OF OHIO $461 BILLION ALLIANCE INSURANCE COMPANY, INC. CHARTER NATIONAL LIFE INSURANCE COMPANY AMERIPRISE INSURANCE COMPANY AMERICAN STANDARD INSURANCE COMPANY OF WISCONSIN AUTO CLUB INSURANCE COMPANY OF FLORIDA victims, and the solutions deployed by the NICB FARMERS ALLIANCE MUTUAL INSURANCE COMPANY ENCOMPASS FLORIDIAN INDEMNITY COMPANY IDS PROPERTY CASUALTY INSURANCE COMPANY Nation’s Property/Casualty Insurance GENERAL AUTOMOBILE INSURANCE COMPANY, INC. and our members for taking fraud by storm. ENCOMPASS FLORIDIAN INSURANCE COMPANY AUTO CLUB SOUTH INSURANCE COMPANY ALLIANZ U.S. GROUP HOMESITE INDEMNITY COMPANY AMICA MUTUAL GROUP Premiums Written by NICB Members ENCOMPASS HOME AND AUTO INSURANCE COMPANY AGCS MARINE INSURANCE COMPANY HOMESITE INSURANCE COMPANY AMICA LIFE INSURANCE COMPANY AUTO-OWNERS INSURANCE GROUP ENCOMPASS INDEMNITY COMPANY 81% ALLIANZ GLOBAL RISKS U.S. INSURANCE COMPANY HOMESITE INSURANCE COMPANY OF CALIFORNIA AMICA LLOYDS OF TEXAS ATLANTIC CASUALTY INSURANCE COMPANY In addition to the members-only website, we also ENCOMPASS INDEPENDENT INSURANCE COMPANY ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK HOMESITE INSURANCE COMPANY OF FLORIDA AMICA MUTUAL INSURANCE COMPANY AUTO-OWNERS INSURANCE COMPANY began migrating NICB Member Benefit Reports to ENCOMPASS INSURANCE COMPANY Nation’s Personal Auto Insurance ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA HOMESITE INSURANCE COMPANY OF GEORGIA AMICA PROPERTY AND CASUALTY INSURANCE COMPANY CONCORD GENERAL MUTUAL INSURANCE COMPANY ENCOMPASS INSURANCE COMPANY OF AMERICA ISO ClaimSearch in 2017 to improve membership Premiums Written by NICB Members ALLIANZ UNDERWRITERS INSURANCE COMPANY HOMESITE INSURANCE COMPANY OF ILLINOIS GREEN MOUNTAIN INSURANCE COMPANY, INC. ENCOMPASS INSURANCE COMPANY OF MASSACHUSETTS ANCHOR INSURANCE HOLDINGS GROUP AMERICAN AUTOMOBILE INSURANCE COMPANY HOMESITE INSURANCE COMPANY OF NEW YORK HOME-OWNERS INSURANCE COMPANY access to crime-fighting information through a ENCOMPASS INSURANCE COMPANY OF NEW JERSEY ANCHOR GENERAL INSURANCE COMPANY $218 BILLION (95%) AMERICAN INSURANCE COMPANY HOMESITE INSURANCE COMPANY OF THE MIDWEST OWNERS INSURANCE COMPANY single sign-on approach. Beyond faster access, we ENCOMPASS PROPERTY AND CASUALTY COMPANY PACIFIC STAR INSURANCE COMPANY ASSOCIATED INDEMNITY CORPORATION HOMESITE LLOYDS OF TEXAS PROPERTY-OWNERS INSURANCE COMPANY Member Benefit Reports Added ENCOMPASS PROPERTY AND CASUALTY INSURANCE also created a visual dashboard for these reports CHICAGO INSURANCE COMPANY MIDVALE INDEMNITY COMPANY ARBELLA INSURANCE GROUP SOUTHERN-OWNERS INSURANCE COMPANY ® COMPANY OF NEW JERSEY to ISO ClaimSearch EULER AMERICAN CREDIT INDEMNITY COMPANY PERMANENT GENERAL ASSURANCE CORPORATION ARBELLA INDEMNITY INSURANCE COMPANY STATE MUTUAL INSURANCE COMPANY (ME) so members can easily find, extract and manage ESURANCE INSURANCE COMPANY FIREMAN’S FUND INDEMNITY CORPORATION PERMANENT GENERAL ASSURANCE CORPORATION OF OHIO ARBELLA MUTUAL INSURANCE COMPANY SUNAPEE MUTUAL FIRE INSURANCE COMPANY applicable business intelligence. 413 ESURANCE INSURANCE COMPANY OF NEW JERSEY VERMONT ACCIDENT INSURANCE COMPANY, INC.

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HARTFORD INSURANCE COMPANY OF ILLINOIS WILSHIRE INSURANCE COMPANY CORPORATION GERMANIA FIRE & CASUALTY COMPANY AMGUARD INSURANCE COMPANY 4EVER LIFE INSURANCE COMPANY COTTON STATES MUTUAL INSURANCE COMPANY SOUTHERN MUTUAL INSURANCE COMPANY FARMERS INSURANCE EXCHANGE SECURITY NATIONAL INSURANCE COMPANY (FL) HARTFORD INSURANCE COMPANY OF THE MIDWEST GERMANIA INSURANCE COMPANY EASTGUARD INSURANCE COMPANY ICW GROUP BCS INSURANCE COMPANY COUNTRY CASUALTY INSURANCE COMPANY CIVIL SERVICE EMPLOYEES GROUP 21ST CENTURY ADVANTAGE INSURANCE COMPANY TEXAS FARMERS INSURANCE COMPANY HARTFORD INSURANCE COMPANY OF THE SOUTHEAST DTRIC INSURANCE COMPANY, LIMITED GERMANIA SELECT INSURANCE COMPANY NORGUARD INSURANCE COMPANY EXPLORER AMERICAN INSURANCE COMPANY PLANS LIABILITY INSURANCE COMPANY COUNTRY MUTUAL INSURANCE COMPANY CIVIL SERVICE EMPLOYEES INSURANCE COMPANY 21ST CENTURY ASSURANCE COMPANY TRUCK INSURANCE EXCHANGE HARTFORD LLOYD’S INSURANCE COMPANY DTRIC INSURANCE UNDERWRITERS TEXAS HERITAGE INSURANCE COMPANY WESTGUARD INSURANCE COMPANY EXPLORER INSURANCE COMPANY COUNTRY PREFERRED INSURANCE COMPANY CSE SAFEGUARD INSURANCE COMPANY 21ST CENTURY AUTO INSURANCE COMPANY OF NEW JERSEY HARTFORD UNDERWRITERS INSURANCE COMPANY BERKSHIRE HATHAWAY INSURANCE GROUP FCCI INSURANCE GROUP, INC. INDEPENDENCE CASUALTY & SURETY COMPANY HOLYOKE MUTUAL INSURANCE COMPANY IN SALEM ELECTRIC INSURANCE COMPANY 21ST CENTURY CASUALTY COMPANY GOAUTO INSURANCE COMPANY GUIDEONE INSURANCE NEW ENGLAND INSURANCE COMPANY COLUMBIA INSURANCE COMPANY CNA INSURANCE COMPANIES BRIERFIELD INSURANCE COMPANY INSURANCE COMPANY OF THE WEST MIDDLESEX MUTUAL ASSURANCE COMPANY 21ST CENTURY CENTENNIAL INSURANCE COMPANY GUIDEONE AMERICA INSURANCE COMPANY NUTMEG INSURANCE COMPANY GEICO ADVANTAGE INSURANCE COMPANY AMERICAN CASUALTY COMPANY OF READING, PENNSYLVANIA ELEPHANT INSURANCE COMPANY FCCI ADVANTAGE INSURANCE COMPANY GRANGE MUTUAL CASUALTY GROUP MODERN SERVICE INSURANCE COMPANY 21ST CENTURY INDEMNITY INSURANCE COMPANY GUIDEONE AMERICAN LIFE INSURANCE COMPANY PACIFIC INSURANCE COMPANY, LTD. IFA INSURANCE COMPANY GEICO CASUALTY COMPANY COLUMBIA CASUALTY COMPANY FCCI COMMERCIAL INSURANCE COMPANY GRANGE INDEMNITY INSURANCE COMPANY MSI INSURANCE COMPANY EMC INSURANCE COMPANIES 21ST CENTURY INSURANCE COMPANY GUIDEONE ELITE INSURANCE COMPANY PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD GEICO CHOICE INSURANCE COMPANY CONTINENTAL CASUALTY COMPANY FCCI INSURANCE COMPANY GRANGE INSURANCE COMPANY OF MICHIGAN IMT GROUP SHIELD INSURANCE COMPANY DAKOTA FIRE INSURANCE COMPANY 21ST CENTURY INSURANCE COMPANY OF THE SOUTHWEST GUIDEONE LIFE INSURANCE COMPANY SENTINEL INSURANCE COMPANY, LTD. GEICO COUNTY MUTUAL INSURANCE COMPANY CONTINENTAL INSURANCE COMPANY MONROE GUARANTY INSURANCE COMPANY GRANGE MUTUAL CASUALTY COMPANY IMT INSURANCE COMPANY (MUTUAL) EMC NATIONAL LIFE COMPANY 21ST CENTURY NATIONAL INSURANCE COMPANY, INC. GUIDEONE LLOYDS INSURANCE COMPANY TRUMBULL INSURANCE COMPANY GEICO GENERAL INSURANCE COMPANY CEM INSURANCE COMPANY CONTINENTAL INSURANCE COMPANY OF NEW JERSEY NATIONAL TRUST INSURANCE COMPANY GRANGE PROPERTY & CASUALTY INSURANCE COMPANY WADENA INSURANCE COMPANY EMC PROPERTY AND CASUALTY COMPANY 21ST CENTURY NORTH AMERICA INSURANCE COMPANY GUIDEONE MUTUAL INSURANCE COMPANY TWIN CITY FIRE INSURANCE COMPANY GEICO INDEMNITY COMPANY NATIONAL FIRE INSURANCE COMPANY OF HARTFORD INTEGRITY MUTUAL INSURANCE COMPANY CENTENNIAL CASUALTY COMPANY EMC REINSURANCE COMPANY 21ST CENTURY PACIFIC INSURANCE COMPANY FEDERATED MUTUAL GROUP GUIDEONE NATIONAL INSURANCE COMPANY INFINITY PROPERTY & CASUALTY GEICO SECURE INSURANCE COMPANY SURETY BONDING COMPANY OF AMERICA INTEGRITY PROPERTY & CASUALTY INSURANCE COMPANY HARTFORD STEAM BOILER IIC (MUNICH) EMCASCO INSURANCE COMPANY 21ST CENTURY PINNACLE INSURANCE COMPANY OF NEW JERSEY FEDERATED MUTUAL INSURANCE COMPANY GUIDEONE PROPERTY & CASUALTY INSURANCE COMPANY INSURANCE GROUP GOVERNMENT EMPLOYEES INSURANCE COMPANY CHUBB GROUP OF INSURANCE COMPANIES TRANSPORTATION INSURANCE COMPANY TRUSTGARD INSURANCE COMPANY HARTFORD STEAM BOILER INSPECTION AND INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY 21ST CENTURY PREFERRED INSURANCE COMPANY FEDERATED SERVICE INSURANCE COMPANY GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY HILLSTAR INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY ACE AMERICAN INSURANCE COMPANY UNIVERSAL SURETY OF AMERICA COMPANY FARM AND CITY INSURANCE COMPANY 21ST CENTURY PREMIER INSURANCE COMPANY GREAT AMERICAN PROPERTY AND CASUALTY INFINITY ASSURANCE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY ACE FIRE UNDERWRITERS INSURANCE COMPANY VALLEY FORGE INSURANCE COMPANY FEDERATED NATIONAL INSURANCE COMPANY HALLMARK FINANCIAL SERVICES, INC. HARTFORD STEAM BOILER INSPECTION AND INSURANCE HAMILTON MUTUAL INSURANCE COMPANY OF 21ST CENTURY SUPERIOR INSURANCE COMPANY OF INSURANCE GROUP INFINITY AUTO INSURANCE COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA ACE INSURANCE COMPANY OF THE MIDWEST WESTERN SURETY COMPANY AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS COMPANY OF CT CINCINNATI, OHIO CALIFORNIA, INC. FIRST ACCEPTANCE INSURANCE GROUP AMERICAN EMPIRE INSURANCE COMPANY INFINITY CASUALTY INSURANCE COMPANY NATIONAL INDEMNITY COMPANY OF THE SOUTH ACE PROPERTY AND CASUALTY INSURANCE COMPANY HALLMARK COUNTY MUTUAL INSURANCE COMPANY COMMONWEALTH CASUALTY COMPANY ILLINOIS EMCASCO INSURANCE COMPANY AMERICAN FEDERATION INSURANCE COMPANY FIRST ACCEPTANCE INSURANCE COMPANY OF GEORGIA, INC. AMERICAN EMPIRE SURPLUS LINES INSURANCE COMPANY HASTINGS MUTUAL INSURANCE COMPANY INFINITY COUNTY MUTUAL INSURANCE COMPANY NATIONAL LIABILITY & FIRE INSURANCE COMPANY AGRI GENERAL INSURANCE COMPANY HALLMARK INSURANCE COMPANY UNION INSURANCE COMPANY OF PROVIDENCE AMERICAN PACIFIC INSURANCE COMPANY, INC. FIRST ACCEPTANCE INSURANCE COMPANY OF TENNESSEE BRIDGEFIELD CASUALTY INSURANCE COMPANY INFINITY INDEMNITY INSURANCE COMPANY SEAWORTHY INSURANCE COMPANY - BOATUS ATLANTIC EMPLOYERS INSURANCE COMPANY COREPOINTE INSURANCE COMPANY HALLMARK NATIONAL INSURANCE COMPANY HCC INSURANCE HOLDINGS, INC. BRISTOL WEST CASUALTY INSURANCE COMPANY FIRST ACCEPTANCE INSURANCE COMPANY, INC. BRIDGEFIELD EMPLOYERS INSURANCE COMPANY INFINITY INSURANCE COMPANY BANKERS STANDARD INSURANCE COMPANY ERIE INSURANCE GROUP HALLMARK SPECIALTY INSURANCE COMPANY AMERICAN CONTRACTORS INDEMNITY COMPANY BRETHREN MUTUAL INSURANCE COMPANY CORNERSTONE NATIONAL INSURANCE COMPANY BRISTOL WEST INSURANCE COMPANY GREAT AMERICAN ALLIANCE INSURANCE COMPANY INFINITY PREFERRED INSURANCE COMPANY CENTURY INDEMNITY COMPANY ERIE FAMILY LIFE INSURANCE COMPANY FIRST AMERICAN CORPORATION TEXAS BUILDERS INSURANCE COMPANY AVEMCO INSURANCE COMPANY BRISTOL WEST PREFERRED INSURANCE COMPANY GREAT AMERICAN ASSURANCE INSURANCE COMPANY INFINITY SAFEGUARD INSURANCE COMPANY BRICKSTREET MUTUAL INSURANCE COMPANY CHUBB CUSTOM INSURANCE COMPANY COUNTRY-WIDE INSURANCE COMPANY ERIE INSURANCE COMPANY FIRST AMERICAN HOME BUYERS PROTECTION CORP HCC SPECIALTY INSURANCE COMPANY CIVIC PROPERTY AND CASUALTY COMPANY GREAT AMERICAN CASUALTY INSURANCE COMPANY HANOVER INSURANCE GROUP INFINITY SECURITY INSURANCE COMPANY BRICKSTREET MUTUAL INSURANCE COMPANY CHUBB INDEMNITY INSURANCE COMPANY ERIE INSURANCE COMPANY OF NEW YORK FIRST AMERICAN PROPERTY & CASUALTY INSURANCE HOUSTON CASUALTY COMPANY CRUSADER INSURANCE COMPANY COAST NATIONAL INSURANCE COMPANY GREAT AMERICAN CONTEMPORARY INSURANCE AIX SPECIALTY INSURANCE COMPANY INFINITY SELECT INSURANCE COMPANY HM CASUALTY INSURANCE COMPANY CHUBB INSURANCE COMPANY OF NEW JERSEY ERIE INSURANCE EXCHANGE COMPANY UNITED STATES SURETY COMPANY EXACT PROPERTY AND CASUALTY COMPANY GREAT AMERICAN E & S INSURANCE COMPANY ALLMERICA FINANCIAL ALLIANCE INSURANCE COMPANY INFINITY STANDARD INSURANCE COMPANY NORTHSTONE INSURANCE COMPANY CHUBB LLOYDS INSURANCE COMPANY OF TEXAS CSAA INSURANCE GROUP, A AAA INSURER ERIE INSURANCE PROPERTY & CASUALTY COMPANY FIRST AMERICAN SPECIALTY INSURANCE COMPANY US SPECIALTY INSURANCE COMPANY FARMERS INSURANCE COMPANY OF ARIZONA GREAT AMERICAN FIDELITY INSURANCE COMPANY ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY PINNACLEPOINT INSURANCE COMPANY CHUBB NATIONAL INSURANCE COMPANY CSAA AFFINITY INSURANCE COMPANY FLAGSHIP CITY INSURANCE COMPANY INTERINSURANCE EXCHANGE OF THE FARMERS INSURANCE COMPANY OF IDAHO FIRST CHICAGO INSURANCE COMPANY GREAT AMERICAN INSURANCE COMPANY CAMPMED CASUALTY AND INDEMNITY HIGHMARK, INC. SUMMITPOINT INSURANCE COMPANY COMBINED INSURANCE COMPANY OF AMERICA CSAA FIRE & CASUALTY INSURANCE COMPANY AUTOMOBILE CLUB EVEREST RE GROUP FARMERS INSURANCE COMPANY OF OREGON UNITED SECURITY HEALTH AND CASUALTY CO. GREAT AMERICAN INSURANCE COMPANY OF NEW YORK CITIZENS INSURANCE COMPANY OF AMERICA HIGHMARK CASUALTY INSURANCE COMPANY EXECUTIVE RISK INDEMNITY, INC. CSAA GENERAL INSURANCE COMPANY AAA TEXAS COUNTY MUTUAL INSURANCE COMPANY CALIFORNIA CASUALTY GROUP EVEREST DENALI INSURANCE CO. FARMERS INSURANCE COMPANY OF WASHINGTON GREAT AMERICAN LLOYD’S INSURANCE COMPANY CITIZENS INSURANCE COMPANY OF ILLINOIS EXECUTIVE RISK SPECIALTY INSURANCE COMPANY CSAA INSURANCE EXCHANGE FIRST INSURANCE COMPANY OF HAWAII GROUP HISCOX INSURANCE GROUP AUTO CLUB CASUALTY COMPANY CALIFORNIA CASUALTY & FIRE INSURANCE COMPANY EVEREST INDEMNITY INSURANCE COMPANY FARMERS INSURANCE COMPANY, INC. GREAT AMERICAN PROTECTION INSURANCE COMPANY CITIZENS INSURANCE COMPANY OF OHIO FEDERAL INSURANCE COMPANY CSAA MID-ATLANTIC INSURANCE COMPANY FIRST INSURANCE COMPANY OF HAWAII, LTD. HISCOX INSURANCE COMPANY INC. AUTO CLUB FAMILY INSURANCE COMPANY CALIFORNIA CASUALTY GENERAL INSURANCE COMPANY EVEREST NATIONAL INSURANCE COMPANY FARMERS INSURANCE EXCHANGE GREAT AMERICAN SECURITY INSURANCE COMPANY CITIZENS INSURANCE COMPANY OF THE MIDWEST GREAT NORTHERN INSURANCE COMPANY CSAA MID-ATLANTIC INSURANCE COMPANY OF NEW JERSEY AUTO CLUB INDEMNITY COMPANY OF OREGON EVEREST PREMIER INSURANCE CO. FARMERS INSURANCE HAWAII, INC. FOUNDERS INSURANCE COMPANY GREAT AMERICAN SPIRIT INSURANCE COMPANY HANOVER AMERICAN INSURANCE COMPANY HORACE MANN INSURANCE GROUP ILLINOIS UNION INSURANCE COMPANY AUTOMOBILE CLUB OF SOUTHERN CALIFORNIA LIFE CALIFORNIA CASUALTY INDEMNITY EXCHANGE CUNA MUTUAL GROUP EVEREST REINSURANCE COMPANY FARMERS INSURANCE OF COLUMBUS, INC. MID-CONTINENT ASSURANCE COMPANY HANOVER INSURANCE COMPANY HORACE MANN INSURANCE COMPANY INDEMNITY INSURANCE COMPANY OF NORTH AMERICA FRANKENMUTH GROUP INSURANCE COMPANY CALIFORNIA CASUALTY INSURANCE COMPANY CUMIS INSURANCE SOCIETY, INC. EVEREST SECURITY INSURANCE COMPANY FARMERS NEW CENTURY INSURANCE COMPANY MID-CONTINENT CASUALTY COMPANY HANOVER LLOYD’S INSURANCE COMPANY HORACE MANN LLOYDS INSURANCE COMPANY OF NORTH AMERICA ANSUR AMERICA INSURANCE COMPANY INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB CUMIS SPECIALTY INSURANCE COMPANY FARMERS NEW WORLD LIFE INSURANCE COMPANY MID-CONTINENT E & S INSURANCE COMPANY HANOVER NATIONAL INSURANCE COMPANY HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY CANAL GROUP PACIFIC EMPLOYERS INSURANCE COMPANY FAIRFAX FINANCIAL GROUP ASURE WORLDWIDE INSURANCE COMPANY INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB– FARMERS REINSURANCE COMPANY NATIONAL INTERSTATE INSURANCE COMPANY HANOVER NEW JERSEY INSURANCE COMPANY TEACHERS INSURANCE COMPANY CANAL INDEMNITY COMPANY PACIFIC INDEMNITY COMPANY CURE AUTO INSURANCE AMERICAN UNDERWRITERS INSURANCE COMPANY FORTUITY INSURANCE COMPANY AUTOMOBILE CLUB OF MO FARMERS TEXAS COUNTY MUTUAL INSURANCE COMPANY NATIONAL INTERSTATE INSURANCE COMPANY OF HAWAII, INC. MASSACHUSETTS BAY INSURANCE COMPANY CANAL INSURANCE COMPANY PENN MILLERS INSURANCE COMPANY CRUM & FORSTER INDEMNITY COMPANY FRANKENMUTH MUTUAL INSURANCE COMPANY HYUNDAI MARINE & FIRE INSURANCE DIRECT AUTO INSURANCE COMPANY FIRE INSURANCE EXCHANGE OKLAHOMA SURETY COMPANY NOVA CASUALTY COMPANY ISLAND INSURANCE GROUP TEXAS PACIFIC INDEMNITY COMPANY CRUM & FORSTER INSURANCE COMPANY PATRIOT INSURANCE COMPANY COMPANY, LTD. CAPITAL INSURANCE GROUP FOREMOST COUNTY MUTUAL INSURANCE COMPANY REPUBLIC INDEMNITY COMPANY OF AMERICA PROFESSIONALS DIRECT INSURANCE COMPANY ISLAND INSURANCE COMPANY, LTD. VIGILANT INSURANCE COMPANY DONEGAL INSURANCE GROUP CRUM & FORSTER UNDERWRITERS COMPANY OF OHIO HYUNDAI MARINE & FIRE INSURANCE COMPANY, LTD. CALIFORNIA CAPITAL INSURANCE COMPANY FOREMOST INSURANCE COMPANY OF GRAND RAPIDS, GEORGIA FARM BUREAU GROUP REPUBLIC INDEMNITY OF CALIFORNIA VERLAN FIRE INSURANCE COMPANY, MD ISLAND PREMIER INSURANCE COMPANY, LTD. WESTCHESTER FIRE INSURANCE COMPANY ATLANTIC STATES INSURANCE COMPANY FAIRMONT SPECIALTY INSURANCE COMPANY EAGLE WEST INSURANCE COMPANY MICHIGAN GEORGIA FARM BUREAU CASUALTY INSURANCE COMPANY TRIUMPHE CASUALTY COMPANY IAT TRADEWIND INSURANCE COMPANY, LTD. WESTCHESTER SURPLUS LINES INSURANCE COMPANY DONEGAL MUTUAL INSURANCE COMPANY FIRST MERCURY INSURANCE COMPANY HARFORD GROUP MONTEREY INSURANCE COMPANY FOREMOST LLOYDS OF TEXAS GEORGIA FARM BUREAU MUTUAL INSURANCE COMPANY VANLINER INSURANCE COMPANY ACCEPTANCE CASUALTY INSURANCE COMPANY LE MARS INSURANCE COMPANY NORTH RIVER INSURANCE COMPANY FIRSTLINE NATIONAL INSURANCE COMPANY NEVADA CAPITAL INSURANCE COMPANY FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY ACCEPTANCE INDEMNITY INSURANCE COMPANY HARFORD MUTUAL INSURANCE COMPANIES

16 17 KEMPER CORPORATION AMERICAN STATES INSURANCE COMPANY OF TEXAS WAUSAU UNDERWRITERS INSURANCE COMPANY MERCURY CASUALTY COMPANY MUTUAL OF ENUMCLAW INSURANCE COMPANY NATIONWIDE GENERAL INSURANCE COMPANY OKLAHOMA FARM BUREAU GROUP MEDMARC CASUALTY INSURANCE COMPANY PROSIGHT SPECIALTY INSURANCE SAFETY GROUP ALLIANCE UNITED INSURANCE COMPANY AMERICAN STATES LLOYDS INSURANCE COMPANY WEST AMERICAN INSURANCE COMPANY MERCURY COUNTY MUTUAL INSURANCE COMPANY ENUMCLAW PROPERTY AND CASUALTY INSURANCE COMPANY NATIONWIDE INDEMNITY COMPANY AGSECURITY INSURANCE COMPANY NOETIC SPECIALTY INSURANCE COMPANY GOTHAM INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY ALPHA PROPERTY & CASUALTY INSURANCE COMPANY AMERICAN STATES PREFERRED INSURANCE COMPANY MERCURY INDEMNITY COMPANY OF AMERICA MUTUAL OF ENUMCLAW INSURANCE COMPANY NATIONWIDE INSURANCE COMPANY OF AMERICA OKLAHOMA FARM BUREAU MUTUAL INSURANCE COMPANY PACO ASSURANCE COMPANY, INC. NEW YORK MAINE AND GENERAL INSURANCE COMPANY SAFETY INSURANCE COMPANY LOYA GROUP CAPITAL COUNTY MUTUAL FIRE INSURANCE COMPANY COLORADO CASUALTY INSURANCE COMPANY MERCURY INDEMNITY COMPANY OF GEORGIA NATIONWIDE INSURANCE COMPANY OF FLORIDA PODIATRY INSURANCE COMPANY OF AMERICA SOUTHWEST MARINE AND GENERAL INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY LOYA CASUALTY INSURANCE COMPANY NATIONAL GENERAL INSURANCE MANAGEMENT ONEBEACON INSURANCE GROUP FINANCIAL INDEMNITY COMPANY CONSOLIDATED INSURANCE COMPANY MERCURY INSURANCE COMPANY NATIONWIDE LLOYDS PROASSURANCE CASUALTY COMPANY LOYA INSURANCE COMPANY CORPORATION ATLANTIC SPECIALTY INSURANCE QBE GROUP SAFEWAY INSURANCE GROUP KEMPER EMPLOYERS INSURANCE OF WAUSAU A MUTUAL COMPANY MERCURY INSURANCE COMPANY OF FLORIDA NATIONWIDE MUTUAL FIRE INSURANCE COMPANY PROASSURANCE INDEMNITY COMPANY, INC. VISION INSURANCE COMPANY AGENT ALLIANCE INSURANCE COMPANY HOMELAND INSURANCE COMPANY OF DE BLUE RIDGE INDEMNITY COMPANY SAFEWAY INSURANCE COMPANY KEMPER DIRECT INSURANCE COMPANY EXCELSIOR INSURANCE COMPANY MERCURY INSURANCE COMPANY OF GEORGIA NATIONWIDE MUTUAL INSURANCE COMPANY PROASSURANCE SPECIALTY INSURANCE COMPANY, INC. YOUNG AMERICA INSURANCE COMPANY CENTURY-NATIONAL INSURANCE COMPANY HOMELAND INSURANCE COMPANY OF NEW YORK GENERAL CASUALTY COMPANY OF WISCONSIN SAFEWAY INSURANCE COMPANY OF ALABAMA KEMPER HOME SERVICES FIRST LIBERTY INSURANCE CORPORATION MERCURY INSURANCE COMPANY OF ILLINOIS NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY DIRECT GENERAL INSURANCE COMPANY OBI AMERICA INSURANCE COMPANY PROGRESSIVE GROUP GENERAL CASUALTY INSURANCE COMPANY SAFEWAY INSURANCE COMPANY OF GEORGIA KEMPER PREFERRED FIRST NATIONAL INSURANCE COMPANY OF AMERICA MAGNA CARTA COMPANIES MERCURY NATIONAL INSURANCE COMPANY SCOTTSDALE INDEMNITY COMPANY DIRECT GENERAL INSURANCE COMPANY OF LOUISIANA OBI NATIONAL INSURANCE COMPANY ARTISAN AND TRUCKERS CASUALTY COMPANY HOOSIER INSURANCE COMPANY SAFEWAY INSURANCE COMPANY OF LOUISIANA KEMPER SPECIALTY GENERAL INSURANCE COMPANY OF AMERICA PARAMOUNT INSURANCE COMPANY WORKMEN’S AUTO INSURANCE COMPANY SCOTTSDALE INSURANCE COMPANY DIRECT GENERAL INSURANCE COMPANY OF MISSISSIPPI ONEBEACON INSURANCE DRIVE NEW JERSEY INSURANCE COMPANY NATIONAL FARMERS UNION PROPERTY AND CASUALTY COMPANY MERASTAR INSURANCE COMPANY GOLDEN EAGLE INSURANCE CORPORATION PUBLIC SERVICE MUTUAL INSURANCE COMPANY SCOTTSDALE SURPLUS LINES INSURANCE COMPANY SECURITY FIRST INSURANCE COMPANY METLIFE AUTO & HOME GROUP DIRECT INSURANCE COMPANY MOUNTAIN LAUREL ASSURANCE COMPANY NAU COUNTRY INSURANCE COMPANY MUTUAL SAVINGS FIRE INSURANCE COMPANY HAWKEYE SECURITY INSURANCE COMPANY WESTERN SELECT INSURANCE COMPANY TITAN INDEMNITY COMPANY OOIDA RISK RETENTION GROUP, INC. ECONOMY FIRE & CASUALTY COMPANY DIRECT NATIONAL INSURANCE COMPANY NATIONAL CONTINENTAL INSURANCE COMPANY NORTH POINTE INSURANCE COMPANY SELECTIVE INSURANCE GROUP NATIONAL MERIT INSURANCE COMPANY INDIANA INSURANCE COMPANY TITAN INSURANCE COMPANY COMMERCIAL TRUCK CLAIMS MANAGEMENT MAIDSTONE INSURANCE CO. ECONOMY PREFERRED INSURANCE COMPANY IMPERIAL FIRE AND CASUALTY INSURANCE COMPANY PROGRESSIVE ADVANCED INSURANCE COMPANY PRAETORIAN INSURANCE COMPANY MESA UNDERWRITERS SPECIALTY INSURANCE COMPANY OLD RELIABLE CASUALTY COMPANY INSURANCE COMPANY OF ILLINOIS VETERINARY PET INSURANCE COMPANY ECONOMY PREMIER ASSURANCE COMPANY INTEGON CASUALTY INSURANCE COMPANY PALISADES SAFETY AND INSURANCE PROGRESSIVE AMERICAN INSURANCE COMPANY QBE INSURANCE CORPORATION (MUSIC) RESPONSE INSURANCE COMPANY LIBERTY COUNTY MUTUAL INSURANCE COMPANY MAPFRE/COMMERCE INSURANCE VICTORIA AUTOMOBILE INSURANCE COMPANY METROPOLITAN CASUALTY INSURANCE COMPANY INTEGON GENERAL INSURANCE CORPORATION ASSOCIATION PROGRESSIVE BAYSIDE INSURANCE COMPANY QBE REINSURANCE CORPORATION SELECTIVE AUTO INSURANCE COMPANY OF NEW JERSEY RESPONSE WORLDWIDE DIRECT AUTO INSURANCE COMPANY LIBERTY INSURANCE CORPORATION AMERICAN COMMERCE INSURANCE COMPANY VICTORIA ELECTRA INSURANCE COMPANY METROPOLITAN DIRECT PROPERTY AND CASUALTY INTEGON INDEMNITY CORPORATION HIGH POINT PREFERRED INSURANCE PROGRESSIVE CASUALTY INSURANCE - CT QBE SEGUROS SELECTIVE CASUALTY INSURANCE COMPANY RESPONSE WORLDWIDE INSURANCE COMPANY LIBERTY INSURANCE UNDERWRITERS, INC. CITATION INSURANCE COMPANY (MA) VICTORIA FIRE AND CASUALTY COMPANY INSURANCE COMPANY INTEGON NATIONAL INSURANCE COMPANY HIGH POINT PROPERTY & CASUALTY INSURANCE PROGRESSIVE CASUALTY INSURANCE COMPANY QBE SPECIALTY INSURANCE COMPANY SELECTIVE FIRE & CASUALTY INSURANCE COMPANY UNION NATIONAL FIRE INSURANCE COMPANY LIBERTY LIFE ASSURANCE COMPANY OF BOSTON COMMERCE INSURANCE COMPANY VICTORIA SELECT INSURANCE COMPANY METROPOLITAN GENERAL INSURANCE COMPANY INTEGON PREFERRED INSURANCE COMPANY HIGH POINT SAFETY INSURANCE COMPANY PROGRESSIVE CHOICE INSURANCE COMPANY REGENT INSURANCE COMPANY SELECTIVE INSURANCE COMPANY OF AMERICA UNITRIN ADVANTAGE INSURANCE COMPANY LIBERTY LLOYDS OF TEXAS COMMERCE WEST INSURANCE COMPANY VICTORIA SPECIALTY INSURANCE COMPANY METROPOLITAN GROUP PROPERTY AND CASUALTY MIC GENERAL INSURANCE CORPORATION PALISADES INSURANCE COMPANY PROGRESSIVE CLASSIC INSURANCE COMPANY SOUTHERN FIRE AND CASUALTY COMPANY SELECTIVE INSURANCE COMPANY OF NEW ENGLAND UNITRIN AUTO AND HOME INSURANCE COMPANY LIBERTY MUTUAL FIRE INSURANCE COMPANY MAPFRE INSURANCE COMPANY WESTERN HERITAGE INSURANCE COMPANY INSURANCE COMPANY NATIONAL AUTOMOTIVE INSURANCE COMPANY PALISADES PROPERTY & CASUALTY INSURANCE PROGRESSIVE COMMERCIAL CASUALTY COMPANY SOUTHERN GUARANTY INSURANCE COMPANY SELECTIVE INSURANCE COMPANY OF NEW YORK UNITRIN COUNTY MUTUAL INSURANCE COMPANY LIBERTY MUTUAL INSURANCE COMPANY MAPFRE INSURANCE COMPANY OF FLORIDA METROPOLITAN LLOYDS INSURANCE COMPANY OF TEXAS NATIONAL GENERAL ASSURANCE COMPANY NEW JERSEY MANUFACTURERS GROUP PALISADES SAFETY AND INSURANCE ASSOCIATION PROGRESSIVE COUNTY MUTUAL INSURANCE COMPANY SOUTHERN PILOT INSURANCE COMPANY SELECTIVE INSURANCE COMPANY OF SOUTH CAROLINA UNITRIN DIRECT PROPERTY & CASUALTY COMPANY LIBERTY MUTUAL MID-ATLANTIC INSURANCE COMPANY MAPFRE INSURANCE COMPANY OF NEW YORK METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY NATIONAL GENERAL INSURANCE COMPANY NEW JERSEY CASUALTY INSURANCE COMPANY TEACHERS AUTO INSURANCE COMPANY OF NEW JERSEY PROGRESSIVE DIRECT INSURANCE - CT STONINGTON INSURANCE COMPANY SELECTIVE INSURANCE COMPANY OF THE SOUTHEAST UNITRIN PREFERRED INSURANCE COMPANY LIBERTY MUTUAL PERSONAL INSURANCE COMPANY MARKEL CORPORATION GROUP NATIONAL GENERAL INSURANCE COMPANY ONLINE, INC. NEW JERSEY INDEMNITY INSURANCE COMPANY TWIN LIGHTS INSURANCE COMPANY PROGRESSIVE DIRECT INSURANCE COMPANY UNIGARD INDEMNITY COMPANY SELECTIVE WAY INSURANCE COMPANY UNITRIN SAFEGUARD INSURANCE COMPANY LIBERTY NORTHWEST INSURANCE CORPORATION METROMILE INSURANCE COMPANY ALTERRA AMERICA INSURANCE COMPANY NATIONAL GENERAL INSURANCE HOLDING CORPORATION NEW JERSEY MANUFACTURERS INSURANCE COMPANY PROGRESSIVE EXPRESS INSURANCE COMPANY UNIGARD INSURANCE COMPANY VALLEY PROPERTY & CASUALTY INSURANCE COMPANY LIBERTY PERSONAL INSURANCE COMPANY PARAMOUNT INSURANCE COMPANY SENTRY INSURANCE GROUP ESSENTIA INSURANCE COMPANY MGA INSURANCE COMPANY, INC. NEW SOUTH INSURANCE COMPANY NEW JERSEY MFG SIU STAFF PROGRESSIVE FREEDOM INSURANCE COMPANY WARNER INSURANCE COMPANY LIBERTY SURPLUS INSURANCE CORPORATION QUINCY MUTUAL GROUP DAIRYLAND COUNTY MUTUAL INSURANCE COMPANY OF TEXAS EVANSTON INSURANCE COMPANY PERSONAL EXPRESS INSURANCE COMPANY NEW JERSEY RE-INSURANCE COMPANY PEACHTREE CASUALTY INSURANCE COMPANY PROGRESSIVE GARDEN STATE INSURANCE COMPANY LM GENERAL INSURANCE COMPANY MICHIGAN BASIC PROPERTY INSURANCE NEW ENGLAND MUTUAL INSURANCE COMPANY DAIRYLAND INSURANCE COMPANY KENTUCKY EMPLOYERS’ MUTUAL INSURANCE FIRSTCOMP INSURANCE COMPANY PROGRESSIVE GROUP OF INSURANCE COMPANIES - CT LM INSURANCE CORPORATION ASSOCIATION NATIONAL UNITY INSURANCE COMPANY NLC INSURANCE COMPANIES PEKIN INSURANCE COMPANY PATRONS OXFORD INSURANCE COMPANY FLORISTS’ INSURANCE COMPANY (KEMI) MARKEL AMERICAN INSURANCE COMPANY PROGRESSIVE GULF INSURANCE COMPANY LM PROPERTY AND CASUALTY INSURANCE COMPANY DANBURY INSURANCE COMPANY FARMERS AUTOMOBILE INSURANCE ASSOCIATION QUINCY MUTUAL FIRE INSURANCE COMPANY FLORISTS’ MUTUAL INSURANCE COMPANY MARKEL GLOBAL REINSURANCE COMPANY MIDWEST FAMILY MUTUAL INSURANCE NATIONS INSURANCE COMPANY PROGRESSIVE HAWAII INSURANCE CORPORATION KENTUCKY FARM BUREAU GROUP MID-AMERICAN FIRE & CASUALTY COMPANY HINGHAM MUTUAL FIRE INSURANCE COMPANY MIDDLESEX INSURANCE COMPANY MARKEL INSURANCE COMPANY COMPANY PINNACOL ASSURANCE PROGRESSIVE MARATHON INSURANCE COMPANY REPUBLIC GROUP, THE FB INSURANCE COMPANY MIDWESTERN INDEMNITY COMPANY NATIONWIDE INSURANCE COMPANIES NEW LONDON COUNTY MUTUAL INSURANCE COMPANY PATRIOT GENERAL INSURANCE COMPANY SURETEC INDEMNITY COMPANY PINNACOL INSURANCE COMPANY PROGRESSIVE MAX INSURANCE - CT REPUBLIC FIRE & CASUALTY COMPANY KENTUCKY FARM BUREAU MUTUAL INSURANCE COMPANY MONTGOMERY MUTUAL INSURANCE COMPANY MITSUI SUMITOMO GROUP ALLIED INSURANCE COMPANY OF AMERICA THAMES INSURANCE COMPANY, INC. PEAK PROPERTY AND CASUALTY INSURANCE CORPORATION SURETEC INSURANCE COMPANY PROGRESSIVE MAX INSURANCE COMPANY REPUBLIC LLOYDS NATIONAL INSURANCE ASSOCIATION MITSUI SUMITOMO INSURANCE COMPANY OF AMERICA ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY PLYMOUTH ROCK COMPANIES SENTRY CASUALTY COMPANY KEY INSURANCE COMPANY NORFOLK AND DEDHAM GROUP PROGRESSIVE MICHIGAN INSURANCE COMPANY REPUBLIC UNDERWRITERS INSURANCE COMPANY NETHERLANDS INSURANCE COMPANY MARYLAND AUTOMOBILE INSURANCE FUND MITSUI SUMITOMO INSURANCE USA, INC. AMCO INSURANCE COMPANY BUNKER HILL INSURANCE CASUALTY COMPANY SENTRY INSURANCE A MUTUAL COMPANY DORCHESTER MUTUAL INSURANCE COMPANY PROGRESSIVE MOUNTAIN INSURANCE COMPANY REPUBLIC VANGUARD INSURANCE COMPANY KINGSTONE INSURANCE COMPANY NORTH PACIFIC INSURANCE COMPANY COLONIAL COUNTY MUTUAL INSURANCE COMPANY BUNKER HILL INSURANCE COMPANY SENTRY LLOYDS OF TEXAS MAYA ASSURANCE COMPANY MOTORISTS INSURANCE GROUP FITCHBURG MUTUAL INSURANCE COMPANY PROGRESSIVE NORTHERN INSURANCE - CT SOUTHERN COUNTY MUTUAL INSURANCE COMPANY OHIO CASUALTY INSURANCE COMPANY CRESTBROOK INSURANCE COMPANY MT. WASHINGTON ASSURANCE CORPORATION SENTRY SELECT INSURANCE COMPANY KINGSWAY AMERICA GROUP CONSUMERS INSURANCE USA, INC. NORFOLK AND DEDHAM MUTUAL FIRE INSURANCE COMPANY PROGRESSIVE NORTHERN INSURANCE COMPANY SOUTHERN INSURANCE COMPANY OHIO SECURITY INSURANCE COMPANY MEMIC GROUP DEPOSITORS INSURANCE COMPANY PILGRIM INSURANCE COMPANY VIKING COUNTY MUTUAL INSURANCE COMPANY MENDAKOTA INSURANCE COMPANY IOWA AMERICAN INSURANCE COMPANY PROGRESSIVE NORTHWESTERN INSURANCE COMPANY SOUTHERN UNDERWRITERS INSURANCE OREGON AUTOMOBILE INSURANCE COMPANY MAINE EMPLOYERS’ MUTUAL INSURANCE COMPANY FARMLAND MUTUAL INSURANCE COMPANY NYCM INSURANCE GROUP PLYMOUTH ROCK ASSURANCE CORPORATION VIKING INSURANCE COMPANY OF WISCONSIN MENDOTA INSURANCE COMPANY IOWA MUTUAL INSURANCE COMPANY PROGRESSIVE PALOVERDE INSURANCE COMPANY PEERLESS INDEMNITY INSURANCE COMPANY MEMIC CASUALTY COMPANY FREEDOM SPECIALTY INSURANCE COMPANY A. CENTRAL INSURANCE COMPANY RESPONSIVE AUTO INSURANCE COMPANY MICO INSURANCE COMPANY PMA CAPITAL CORPORATION PROGRESSIVE PREFERRED INSURANCE COMPANY SFM MUTUAL INSURANCE COMPANY LANCER INSURANCE GROUP PEERLESS INSURANCE COMPANY MEMIC INDEMNITY COMPANY HARLEYSVILLE INSURANCE COMPANY NEW YORK CENTRAL MUTUAL FIRE INSURANCE COMPANY MOTORIST LIFE INSURANCE COMPANY MANUFACTURERS ALLIANCE INSURANCE COMPANY PROGRESSIVE PREMIER INSURANCE COMPANY OF ILLINOIS RIDER INSURANCE COMPANY SFM SAFE INSURANCE COMPANY LANCER INSURANCE COMPANY SAFECO INSURANCE COMPANY OF AMERICA HARLEYSVILLE INSURANCE COMPANY OF NEW JERSEY MERCHANTS INSURANCE GROUP MOTORISTS COMMERCIAL MUTUAL INSURANCE COMPANY OCEAN HARBOR CASUALTY PENNSYLVANIA MANUFACTURERS’ ASSOCIATION PROGRESSIVE SECURITY INSURANCE COMPANY SFM SELECT INSURANCE COMPANY NORTH SEA INSURANCE COMPANY SAFECO INSURANCE COMPANY OF ILLINOIS HARLEYSVILLE INSURANCE COMPANY OF NEW YORK RLI GROUP MERCHANTS MUTUAL INSURANCE COMPANY MOTORISTS MUTUAL INSURANCE COMPANY SAFE HARBOR INSURANCE COMPANY INSURANCE COMPANY PROGRESSIVE SELECT INSURANCE COMPANY SAFECO INSURANCE COMPANY OF INDIANA HARLEYSVILLE LAKE STATES INSURANCE COMPANY CONTRACTORS BONDING INSURANCE COMPANY SHELTER INSURANCE COMPANIES LEBANON VALLEY INSURANCE COMPANY MERCHANTS NATIONAL INSURANCE COMPANY PHENIX MUTUAL FIRE INSURANCE COMPANY ZEPHYR INSURANCE COMPANY, INC. PENNSYLVANIA MANUFACTURERS INDEMNITY COMPANY PROGRESSIVE SOUTHEASTERN INSURANCE COMPANY SAFECO INSURANCE COMPANY OF OREGON HARLEYSVILLE LIFE INSURANCE COMPANY MT. HAWLEY INSURANCE COMPANY AMERICAN SHIELD INSURANCE COMPANY MERCHANTS PREFERRED INSURANCE COMPANY WILSON MUTUAL INSURANCE COMPANY PROGRESSIVE SPECIALTY INSURANCE - CT LIBERTY MUTUAL GROUP SAFECO LLOYDS INSURANCE COMPANY HARLEYSVILLE PREFERRED INSURANCE COMPANY OHIO INDEMNITY COMPANY PREFERRED MUTUAL INSURANCE COMPANY RLI INSURANCE COMPANY HAULERS INSURANCE COMPANY, INC. PROGRESSIVE SPECIALTY INSURANCE COMPANY AMERICA FIRST INSURANCE COMPANY SAFECO NATIONAL INSURANCE COMPANY MERCURY GENERAL GROUP MUNICH RE AMERICA, INC. HARLEYSVILLE WORCESTER INSURANCE COMPANY SHELTER GENERAL INSURANCE COMPANY OHIO MUTUAL INSURANCE GROUP PROASSURANCE CORPORATION PROGRESSIVE UNIVERSAL INSURANCE COMPANY OF ILLINOIS ROCKINGHAM INSURANCE COMPANY AMERICA FIRST LLOYD’S INSURANCE COMPANY SAFECO SURPLUS LINES INSURANCE COMPANY AMERICAN MERCURY INSURANCE COMPANY AMERICAN ALTERNATIVE INSURANCE CORPORATION NATIONAL CASUALTY COMPANY SHELTER MUTUAL INSURANCE COMPANY CASCO INDEMNITY COMPANY ALLIED EASTERN INDEMNITY COMPANY PROGRESSIVE WEST INSURANCE COMPANY ROCKINGHAM CASUALTY COMPANY AMERICAN ECONOMY INSURANCE COMPANY SAN DIEGO INSURANCE COMPANY AMERICAN MERCURY LLOYDS INSURANCE COMPANY PRINCETON EXCESS & SURPLUS LINES INSURANCE NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA SHELTER REINSURANCE COMPANY OHIO MUTUAL INSURANCE COMPANY EASTERN ADVANTAGE ASSURANCE COMPANY UNITED FINANCIAL CASUALTY COMPANY AMERICAN FIRE AND CASUALTY COMPANY WAUSAU BUSINESS INSURANCE COMPANY CALIFORNIA AUTOMOBILE INSURANCE COMPANY NATIONWIDE AGRIBUSINESS INSURANCE COMPANY SAFE AUTO INSURANCE COMPANY UNITED OHIO INSURANCE COMPANY EASTERN ALLIANCE INSURANCE COMPANY UNITED FINANCIAL CASUALTY COMPANY - CT AMERICAN STATES INSURANCE COMPANY WAUSAU GENERAL INSURANCE COMPANY CALIFORNIA GENERAL UNDERWRITERS INSURANCE COMPANY NATIONWIDE ASSURANCE COMPANY

18 19 SOMPO JAPAN INSURANCE, INC. STATE AUTO FLORIDA INSURANCE COMPANY TOWER HILL PRIME INSURANCE COMPANY TRAVELERS PERSONAL LINES (DIVISION STATS) WESTERN HOME INSURANCE COMPANY SOMPO JAPAN FIRE AND MARINE INSURANCE COMPANY STATE AUTO INSURANCE COMPANY OF OHIO TOWER HILL SELECT INSURANCE COMPANY TRAVELERS PERSONAL SECURITY INSURANCE COMPANY WESTERN NATIONAL ASSURANCE COMPANY Associate Member Companies Strategic Partners OF AMERICA STATE AUTO INSURANCE COMPANY OF WISCONSIN TOWER HILL SIGNATURE INSURANCE COMPANY TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA WESTERN NATIONAL MUTUAL INSURANCE COMPANY SOMPO JAPAN INSURANCE COMPANY OF AMERICA STATE AUTO PROPERTY AND CASUALTY INSURANCE COMPANY TRAVELERS PROPERTY CASUALTY INSURANCE COMPANY ADVANTAGE OPCO, LLC FOX RENT A CAR BOAT HISTORY REPORT (BHR) TOYOTA MOTOR INSURANCE COMPANY WESTERN SERVICE CONTRACT GROUP AKA STATE AUTOMOBILE MUTUAL INSURANCE COMPANY UNITED STATES FIDELITY AND GUARANTY COMPANY ADVANTAGE RENT A CAR SOUTHERN FARM BUREAU CASUALTY GROUP PACIFIC SPECIALTY GALPIN MOTORS, INC. CARCO GROUP, INC. TRADERS INSURANCE COMPANY FARM BUREAU MUTUAL INSURANCE OF ARKANSAS, INC. PACIFIC SPECIALTY INSURANCE COMPANY AFN, LLC STATE COMPENSATION INSURANCE FUND OF CA TRI-STATE CONSUMER INSURANCE COMPANY HERTZ CORPORATION CARFAX, INC. FLORIDA FARM BUREAU CASUALTY INSURANCE COMPANY TRAVELERS COMPANIES, INC. PACIFIC SPECIALTY PROPERTY CASUALTY COMPANY STATE FARM GROUP UNION FIDELITY LIFE INSURANCE COMPANY ALLY FINANCIAL, INC. DOLLAR THRIFTY AUTOMOTIVE GROUP, INC. FLORIDA FARM BUREAU GENERAL INSURANCE COMPANY AMERICAN EQUITY INSURANCE COMPANY CYCLEVIN LLC | BIGRIGVIN.COM STATE FARM COUNTY MUTUAL INSURANCE COMPANY OF TEXAS WESTFIELD GROUP HERTZ CLAIM MANAGEMENT LOUISIANA FARM BUREAU CASUALTY INSURANCE COMPANY AMERICAN EQUITY SPECIALTY INSURANCE COMPANY UNITED AUTOMOBILE INSURANCE GROUP AVIS BUDGET GROUP STATE FARM FIRE AND CASUALTY COMPANY AMERICAN SELECT INSURANCE COMPANY HERTZ COMPANY DATADOT TECHNOLOGY USA LOUISIANA FARM BUREAU MUTUAL INSURANCE COMPANY AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT ARGUS FIRE & CASUALTY INSURANCE COMPANY AVIS RENT A CAR SYSTEM, LLC STATE FARM FLORIDA INSURANCE COMPANY OHIO FARMERS INSURANCE COMPANY MISSISSIPPI FARM BUREAU CASUALTY INSURANCE COMPANY CHARTER OAK FIRE INSURANCE COMPANY UNITED AUTOMOBILE INSURANCE COMPANY INSURANCE AUTO AUCTIONS, INC. DRN STATE FARM GENERAL INSURANCE COMPANY OLD GUARD INSURANCE COMPANY CALIFORNIA EARTHQUAKE AUTHORITY MISSISSIPPI FARM BUREAU MUTUAL INSURANCE COMPANY DISCOVER SPECIALTY INSURANCE COMPANY UNITED MIDWEST INSURANCE COMPANY STATE FARM GUARANTY INSURANCE COMPANY WESTFIELD INSURANCE COMPANY KEENAN AND ASSOCIATES AND REGENCY, EXPERIAN PALMETTO CASUALTY INSURANCE COMPANY DISCOVERY PROPERTY & CASUALTY INSURANCE COMPANY CARMAX BUSINESS SERVICES, LLC STATE FARM HEALTH INSURANCE COMPANY UNITED EQUITABLE GROUP WESTFIELD NATIONAL INSURANCE COMPANY A DIVISION OF KEENAN SOUTH CAROLINA FARM BUREAU INSURANCE COMPANY FARMINGTON CASUALTY COMPANY CARMAX AUTO SUPERSTORES, INC. INSTAVIN® STATE FARM INDEMNITY COMPANY AMERICAN HEARTLAND INSURANCE COMPANY SOUTH CAROLINA FARM BUREAU MUTUAL INSURANCE COMPANY FIDELITY AND GUARANTY INSURANCE COMPANY WINDHAVEN INSURANCE COMPANY MANHEIM STATE FARM LLOYDS UNITED EQUITABLE INSURANCE COMPANY COPART INTERTEL SOUTHERN FARM BUREAU CASUALTY INSURANCE COMPANY FIDELITY AND GUARANTY INSURANCE UNDERWRITERS, INC. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY WOODLANDS INSURANCE COMPANY QCSA HOLDINGS, INC. MAVEN DRIVE, LLC SOUTHERN FARM BUREAU PROPERTY INSURANCE COMPANY FIRST FLORIDIAN AUTO AND HOME INSURANCE COMPANY UNITED P&C INSURANCE COMPANY LEXISNEXIS® RISK SOLUTIONS GULF UNDERWRITERS INSURANCE COMPANY AMERICAN COASTAL INSURANCE COMPANY COUNTY OF RIVERSIDE, P.S.I. MERCEDES-BENZ FINANCIAL SERVICES USA LLC STILLWATER INSURANCE GROUP WRC GROUP OF COMPANIES MVTRAC STILLWATER INSURANCE COMPANY NORTHFIELD INSURANCE COMPANY FAMILY SECURITY INSURANCE COMPANY 1ST AUTO & CASUALTY INSURANCE COMPANY SOUTHERN FINANCIAL INSURANCE GROUP ENTERPRISE HOLDINGS MOTOR VEHICLE ACCIDENT INDEMNIFICATION STILLWATER PROPERTY AND CASUALTY INSURANCE COMPANY NORTHLAND CASUALTY COMPANY INTERBORO INSURANCE COMPANY WISCONSIN REINSURANCE CORP PLATE LOCATE CAPITOL PREFERRED INSURANCE COMPANY ENTERPRISE RENT-A-CAR CORPORATION (MVAIC) NORTHLAND INSURANCE COMPANY UNITED P&C INSURANCE COMPANY SOUTHERN FIDELITY INSURANCE COMPANY, INC. SUTTER INSURANCE COMPANY ZURICH NORTH AMERICA NATIONAL CAR RENTAL SAFELITE SOLUTIONS LLC PHOENIX INSURANCE COMPANY NEW JERSEY PROPERTY-LIABILITY INSURANCE SOUTHERN FIDELITY PROPERTY AND CASUALTY UNITED SERVICES AUTOMOBILE ASSOCIATION AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY RENTAL INSURANCE SERVICES - RIS SWISS RE GROUP PREMIER INSURANCE COMPANY OF MASSACHUSETTS GUARANTY ASSOCIATION SOCIAL INTELLIGENCE CORP. CATASTROPHE REINSURANCE COMPANY AMERICAN ZURICH INSURANCE COMPANY VANGUARD CAR RENTAL USA, INC. SOUTHERN PIONEER INSURANCE COMPANY FACILITY INSURANCE CORPORATION SELECT INSURANCE COMPANY UNITED SERVICES AUTOMOBILE ASSOCIATION ASSURANCE COMPANY OF AMERICA (INCLUDES ALAMO RENT A CAR) SILVERCAR, INC. VINAUDIT.COM, INC. SOUTHERN PIONEER PROPERTY & CASUALTY COMPANY FIRST SPECIALTY INSURANCE CORPORATION ST. PAUL FIRE AND MARINE INSURANCE COMPANY USAA CASUALTY INSURANCE COMPANY COLONIAL AMERICAN CASUALTY AND SURETY COMPANY NORTH AMERICAN CAPACITY INSURANCE COMPANY ST. PAUL GUARDIAN INSURANCE COMPANY FIFTH THIRD BANK SIXT RENT-A-CAR SPRINGFIELD INSURANCE COMPANY USAA COUNTY MUTUAL INSURANCE COMPANY EMPIRE FIRE AND MARINE INSURANCE COMPANY NORTH AMERICAN ELITE INSURANCE COMPANY ST. PAUL MERCURY INSURANCE COMPANY USAA GARRISON PROPERTY AND CASUALTY ASSOCIATION EMPIRE INDEMNITY INSURANCE COMPANY FLEXDRIVE, LLC TURO, INC. STAR CASUALTY INSURANCE COMPANY NORTH AMERICAN SPECIALTY INSURANCE COMPANY ST. PAUL PROTECTIVE INSURANCE COMPANY USAA GENERAL INDEMNITY COMPANY FIDELITY AND DEPOSIT COMPANY OF MARYLAND SWISS REINSURANCE AMERICA CORPORATION ST. PAUL SURPLUS LINES INSURANCE COMPANY STARR COMPANIES USAA LIFE INSURANCE COMPANY MARYLAND CASUALTY COMPANY WASHINGTON INTERNATIONAL INSURANCE COMPANY STANDARD FIRE INSURANCE COMPANY STARR INDEMNITY & LIABILITY COMPANY USAA TEXAS LLOYDS COMPANY NORTHERN INSURANCE COMPANY OF NEW YORK WESTPORT INSURANCE TRAVCO INSURANCE COMPANY STEADFAST INSURANCE COMPANY STATE AUTOMOBILE INSURANCE COMPANIES TRAVELERS CASUALTY AND SURETY COMPANY UNIVERSAL INSURANCE HOLDINGS, INC. TEXAS FARM BUREAU MUTUAL GROUP UNIVERSAL UNDERWRITERS INSURANCE COMPANY AMERICAN COMPENSATION INSURANCE COMPANY TRAVELERS CASUALTY AND SURETY COMPANY OF AMERICA AMERICAN PLATINUM PROPERTY AND CASUALTY FARM BUREAU COUNTY MUTUAL INSURANCE COMPANY OF TEXAS UNIVERSAL UNDERWRITERS OF TEXAS INSURANCE COMPANY BEACON LLOYDS INSURANCE COMPANY TRAVELERS CASUALTY COMPANY INSURANCE COMPANY TEXAS FARM BUREAU CASUALTY INSURANCE COMPANY ZURICH AMERICAN INSURANCE COMPANY BEACON NATIONAL INSURANCE COMPANY TRAVELERS CASUALTY COMPANY OF CONNECTICUT UNIVERSAL PROPERTY AND CASUALTY INSURANCE COMPANY TEXAS FARM BUREAU MUTUAL INSURANCE COMPANY ZURICH AMERICAN INSURANCE COMPANY OF ILLINOIS BLOOMINGTON COMPENSATION INSURANCE COMPANY TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA TEXAS FARM BUREAU UNDERWRITERS (A RECIPROCAL) UTICA FIRST INSURANCE COMPANY FARMERS CASUALTY INSURANCE COMPANY TRAVELERS COMMERCIAL CASUALTY COMPANY FIRST PREFERRED INSURANCE COMPANY TOKIO MARINE GROUP TRAVELERS COMMERCIAL INSURANCE COMPANY WAWANESA INSURANCE GROUP LITCHFIELD MUTUAL FIRE INSURANCE COMPANY TM SPECIALTY INSURANCE COMPANY TRAVELERS COMMERCIAL LINES (DIVISION STATS) WAWANESA GENERAL INSURANCE COMPANY MERIDIAN CITIZENS MUTUAL INSURANCE COMPANIES TNUS INSURANCE COMPANY TRAVELERS CONSTITUTION STATE INSURANCE COMPANY WAWANESA MUTUAL INSURANCE COMPANY MERIDIAN SECURITY INSURANCE COMPANY TOKIO MARINE & NICHIDO FIRE INSURANCE COMPANY TRAVELERS EXCESS AND SURPLUS LINES COMPANY WESTERN GENERAL INSURANCE COMPANY MID-PLAINS INSURANCE COMPANY TOKIO MARINE AMERICA INSURANCE COMPANY TRAVELERS HOME AND MARINE INSURANCE COMPANY MILBANK INSURANCE COMPANY TRANS PACIFIC INSURANCE COMPANY TRAVELERS INDEMNITY COMPANY WESTERN NATIONAL MUTUAL GROUP PATRONS FIRE INSURANCE COMPANY OF RHODE ISLAND TRAVELERS INDEMNITY COMPANY OF AMERICA AMERICAN FREEDOM INSURANCE COMPANY TOPA INSURANCE GROUP PATRONS MUTUAL INSURANCE COMPANY OF CONNECTICUT TRAVELERS INDEMNITY COMPANY OF CONNECTICUT ARIZONA AUTOMOBILE INSURANCE COMPANY TOPA INSURANCE COMPANY PETROLLA INSURANCE TRAVELERS INVESTIGATIVE SERVICES (DIVISION STATS) MICHIGAN MILLERS MUTUAL INSURANCE COMPANY PLAZA INSURANCE COMPANY TOWER HILL INSURANCE GROUP, LLC TRAVELERS LLOYDS INSURANCE COMPANY NEVADA GENERAL INSURANCE COMPANY PROVISION STATE INSURANCE COMPANY OMEGA INSURANCE COMPANY TRAVELERS LLOYDS OF TEXAS INSURANCE COMPANY PIONEER SPECIALTY INSURANCE COMPANY ROCKHILL INSURANCE COMPANY TOWER HILL PREFERRED INSURANCE COMPANY TRAVELERS PERSONAL INSURANCE COMPANY UMIALIK INSURANCE COMPANY

20 21 Statements of Activities Notes to Financial Statements Program Services FINANCIAL Years ended December 31, ASSESSMENT REVENUES Years ended December 31, REVENUES 2017 2016 The activities of the National Insurance Crime Bureau The scope of the program is dependent on special DATA ANALYTICS 2017 2016 Assessments and member services $51,183,307 $49,529,088 (“NICB”), conducted principally in the United States, assessments from its members. NICB expended Strategic $3,134,923 $2,999,399 Data related and strategic partnership 1,055,682 907,207 are financed through assessments of its member $1,657,928 and $570,503 to further develop the Tactical 2,144,648 1,955,934 STATEMENTS Investment dividends and interest 1,141,073 983,224 Information aggregation and analysis 2,063,544 1,979,530 Net realized and unrealized gain on investments 4,825,648 1,539,230 insurance carriers. Such assessments are determined program, which includes $86,502 and $80,493 TOTAL DATA ANALYTICS 7,343,115 6,934,863 Loss on disposal of property and equipment (8,792) - Net assets released from restriction 15,542 24,049 according to a formula based upon gross premiums of indirect costs for the years ended December 31, INVESTIGATIONS Miscellaneous income 1,843 40,663 for certain lines of business written by member 2017 and 2016, respectively. Domestic vehicle recovery $4,250,372 $4,078,114 TOTAL REVENUES $58,214,303 $53,023,461 Statements of Financial Position companies and annual verification received from Repatriation 1,661,209 1,646,975 EXPENSES them. During the years ended December 31, 2017 NICB POST-RETIREMENT PLAN Major cases - vehicle 2,288,931 2,212,262 Major cases - property and casualty 3,581,938 3,441,217 Years ended December 31, Salaries $29,797,647 $28,636,771 and 2016, nine member organizations made up NICB provides certain healthcare and life insurance Field investigations 5,824,066 5,594,780 Retirement and employee benefits 9,350,284 8,460,978 Commercial fraud 1,155,662 1,109,904 ASSETS 2017 2016 Automobile operations 2,026,436 1,969,424 approximately 54% and 55% of NICB’s assessment benefits for retired employees. Employees hired prior Major medical fraud task forces 10,860,501 10,315,203 Current assets $9,704,276 $7,531,548 Dues and fees 1,984,742 1,908,562 and member service revenues, respectively. to April 1, 2004 are eligible to receive this benefit. The Geospatial Intelligence Center 1,657,928 570,503 1,620,811 1,616,791 4,227,712 4,049,208 Investments 43,256,994 37,357,659 Technical fees and services NICB Post-Retirement Plan is unfunded. As of December Law enforcement assistance Property and equipment (net) 1,634,930 1,721,846 Office expense 1,600,955 1,527,088 TOTAL INVESTIGATIONS 35,508,319 33,018,166 Other assets 113,902 113,902 Digital intelligence 1,571,426 490,010 UNRESTRICTED NET ASSETS 31, 2017, recognition of the net unfunded status of the TOTAL ASSETS $54,710,102 $46,724,955 Travel and group meetings 862,297 1,246,813 TRAINING Insurance 757,706 712,666 Unrestricted net assets are not subject to donor- NICB Post-Retirement Plan resulted in current liabilities of LIABILITIES AND NET ASSETS Computer and peripheral units 670,600 679,282 imposed stipulations or time restrictions. $790,000 and non-current liabilities of $19,573,000 Member company training $1,081,631 $1,033,477 Communications 657,366 787,298 Law enforcement training 488,663 465,906 Current liabilities $9,880,195 $7,382,794 Other 1,929,708 2,301,938 for a total benefit obligation of $20,363,000. Internal training 462,534 443,558 NICTA 167,321 161,207 Capital lease obligation, net of current portion 2,276 8,877 TOTAL EXPENSES $52,829,978 $5 0, 3 37, 621 TEMPORARILY RESTRICTED NET ASSETS Other long-term liabilities 475,054 536,032 TOTAL TRAINING 2,200,149 2,104,148 Accrued post-retirement benefits 19,573,000 16,923,000 Change in unrestricted net assets before 5,384,325 2,685,840 Temporarily restricted net assets of $15,542 and LITIGATION 1,415,219 1,420,493 TOTAL LIABILITIES 29,930,525 24,850,703 post-retirement related changes other $24,049, were released from restriction to fund NICB has been named as a defendant in certain LEGISLATIVE ADVOCACY NET ASSETS - UNRESTRICTED 24,779,577 21,874,252 than net periodic post-retirement costs 974,757 1,108,112 TOTAL LIABILITIES AND NET ASSETS $54,710,102 $46,724,955 special operations in support of law enforcement lawsuits wherein the plaintiffs seek to recover PUBLIC AWARENESS Post-retirement related changes other (2,479,000) (1,397,000) than net periodic post-retirement costs and designated fraud fighting activities for the years damages based upon various allegations arising from TOTAL PROGRAM SERVICES 47,441,559 44,585,782 CHANGE IN UNRESTRICTED NET ASSETS 2,905,325 1,288,840 ended December 31, 2017 and 2016, respectively, certain of these organizations’ investigations. After 5,388,419 5,751,839 15,542 6,437 ADMINISTRATIVE & GENERAL Restitution contribution resulting in no ending temporarily restricted net assets. considering the merits of these actions and the opinions Net assets released from restriction (15,542) (24,049) TOTAL FUNCTIONAL EXPENSES $52,829,978 $5 0, 3 37, 621 CHANGE IN TEMPORARILY RESTRICTED NET ASSETS - (17, 612) of outside counsel, together with the organizations’ CHANGE IN NET ASSETS 2,905,325 1,271,228 GEOSPATIAL INTELLIGENCE CENTER liability insurance coverage, management of NICB Net assets, beginning of year 21,874,252 20,603,024 The Geospatial Intelligence Center (GIC) was believes that the ultimate liability for these matters, Net assets, end of year $24,779,577 $21,874,252 developed to provide the insurance industry and if any, will not have a material adverse effect on the others with comprehensive geospatial imagery NICB financial statements. “gray sky” and analytics related to natural or These financial statements have been prepared by management in conformity with manmade catastrophic events that members may TAX STATUS generally accepted accounting principles and include all adjustments which, in the use to deal with insurance claims and prevent fraud. NICB has received a favorable determination letter opinion of management, are necessary to reflect a fair representation. This presentation from the Internal Revenue Service dated September represents a summarization from audited financial statements. Certain reclassifications of The program platform delivers catastrophe monitoring 9, 1991, and reaffirmed in 2001, stating that it prior year amounts have been made to conform to the current year presentation. and response, comprehensive “blue sky” aerial qualifies as a not-for-profit corporation as described imagery coverage of the United States, and in Section 501(c)(4) of the Internal Revenue Code advanced analytics to include pre- and post- (IRC) and, as such, is exempt from federal income damage assessment to its members; leading to more taxes on related income pursuant to section 501(a) informed underwriting, better claims decisions, of the IRC. NICB continues to qualify as a not-for- reduced fraud and faster catastrophe response. profit corporation under Section 501(c)(4).

22 23 BOARD OF GOVERNORS

MICHAEL J. PRANDI, KELLY BEVER, LYNNE BRADY MICHAEL CAPUZZI JEREMY T. CONNOR KEITH DALY PAUL D. DIEMER JEAN GUAN PETER D. McCARRON JAMES McSHEFFREY MATTHEW C. MURPHY MIKE NEUBAUER MARK OPPENHEIM PETER RAUBENHEIMER ERIK A. ROEN JAMES R. WILL CHAIR VICE CHAIR Vice President, Senior Vice President, Assistant Vice President, Executive Vice President, Senior Vice President, Vice President, No Fault Senior Vice President, Vice President, Vice President, Vice President, Claims General Vice President, Senior Vice President, Vice President, Insurance Operations Vice President, Operations External Anti-Fraud Claims Eastern Territory Claims Chief Claims Officer Risk Management & SIU Operations Commercial P&C Claim Claims Operations Claim Solutions & Voluntary & Worksite Manager Claims Experience Claim Business Insurance Claims Leader State Farm Mutual Nationwide Insurance Allstate Insurance Government Employees Farmers Insurance Enterprise Holdings Liberty Mutual CNA The Hanover Insurance Analytics Division Benefits - P&C Claims Progressive Insurance USAA Intelligence & Analytics Auto Club of Southern Westfield Group Automobile Insurance Company Insurance Company Exchange Insurance Group Group The Hartford Financial MetLife Group Travelers Insurance California (ACSC) Company (GEICO) Services Group, Inc. Companies

24 25 ADVISORS TO NICB SENIOR THE BOARD LEADERSHIP TEAM

RICHARD DELLA ROCCA NANCY GUGLIELMO DENNIS JAY DOUGLAS E. LINDQUIST WADE WICKRE JOSEPH H. JAMES K. DANIEL G. ROBERT J. ANDREW J. JUDITH M. BARBARA M. ROGER LINDA E. BRIAN SMIDT TOM WELSH ALLEN President, Vice President, Executive Director Assistant Director, Criminal Justice Director, Special Investigations Unit WEHRLE, JR. SCHWEITZER ABBOTT JACHNICKI SOSNOWSKI FITZGERALD LOW MORRIS SCHWARTZ Vice President - Vice President - BOEHMER Verisk Insurance Solutions BITS Fraud Reduction Program Coalition Against Insurance Information Services Division Nationwide Mutual Insurance President and Senior Vice Senior Vice Senior Vice Senior Vice Vice President - Vice President - Vice President Vice President - Data Analytics Training Chief Inspector ISO Claims Analytics The Financial Services Fraud Federal Bureau of Investigation Company Chief Executive President and President and President and President Government Human Resources and Chief Membership and Compliance Roundtable (FBI) President Officer Chief Operating Chief Information Chief Financial and General Affairs Communications and Marketing Officer Officer Officer Officer Counsel Officer International Association of Special Investigation Units (IASIU)

26 27 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 1,100 property-casualty insurance companies, self-insured organizations and strategic partners. For additional copies, please contact the NICB at 800.447.6282 or download the report from our website at www.nicb.org. Contents may be published whole, or in part, with attribution.

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