2014 NICB ANNUAL REPORT 2014 // TABLE OF CONTENTS

PRESIDENT’S LETTER: The NICB Annual Report is published by the Communications Department of the National MOBILIZED FOR THE GREATEST GOOD...... 2 Crime Bureau (NICB), a not-for-profit organization supported by nearly 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. DATA ANALYTICS: Contents may be republished whole, or in part, with attribution. MOBILIZED TO SOUND THE ALERTS...... 4

INVESTIGATIONS: FOLLOW US MOBILIZED, READY AND WAITING...... 6 TRAINING: MOBILIZED FOR HIGHER EDUCATION...... 8 www.facebook.com/pages/National-Insurance-Crime-Bureau/230621820309256 https://twitter.com/insurancecrime LEGISLATIVE ADVOCACY: www.youtube.com/user/InsuranceCrime MOBILIZED TO EMPOWER LAWMAKERS...... 10 www.linkedin.com/company/national-insurance-crime-bureau www.nicbblog.org PUBLIC AWARENESS: MOBILIZED EVERYWHERE NICB HOTLINE YOU LOOK AND LISTEN...... 12 1.800.TEL.NICB MEMBERSHIP: MOBILIZED TO DEEPEN CONNECTIONS...... 14

MEMBERSHIP LISTING...... 15 FINANCIAL STATEMENTS...... 23 BOARD OF GOVERNORS...... 26 ADVISORS TO THE BOARD...... 28 Download our free fraud tip app on Apple’s App Store or Google’s Play Store (for Android Devices) NICB SENIOR LEADERSHIP TEAM...... 29 PRESIDENT’S LETTER Mobilized for the Greatest Good

As our Public Awareness team brainstormed Technology has radically shifted how we’ve headquarters office weekly to collaborate in directors with more time to focus on strategic and techniques to try to undercut our efforts. themes for this year’s annual report, the word mobilized the fight against insurance crime. new data analytics huddle rooms which house initiatives and membership needs. We address these challenges daily, whether in “mobilize” kept coming up. They checked its Here’s a great example: Last year, an NICB tools and media technologies that can help preventing scam artists from compromising definition, and here’s what they found: special agent needed help inspecting a vehicle, them accomplish their objectives. Since then, • Our Information Technology group vehicle security systems or by confronting so she used her smartphone to call another their productivity and results have skyrocketed. provided virtual training in 2014 for our organized criminal conspiracies through our [moh-buh-lahyz]: To bring agent hundreds of miles away using Skype. entire special agent force when they received many task forces nationwide. people together for action, During the video call, they could not only see The NICB is also using new approaches to new laptop computers. What previously especially of a vigorous nature one another, but she used the phone’s camera mobilizing employee morale, communication required weeks of travel and education The NICB will never stop bringing people to show her teammate the vehicle’s condition and internal training: was instead accomplished online through together for vigorous action. It’s in our and unique circumstances, and together they individual training sessions that lasted just a century-old DNA to mobilize resources for What a perfect description of the National found the missing identifiers. The results? • We now host quarterly companywide few hours for each agent and without a dime the greatest good. You have put your trust in Insurance Crime Bureau (NICB) and our role Instant team collaboration, real-time use of webinars so that every NICB team member spent on travel expenses. us to lead this mobilization, and thanks to your in the fight against insurance crime. Since our communication technology to solve a problem, knows where we stand as an organization. vote of confidence, we are delivering world- founding 102 years ago, we have mobilized greater productivity, and most importantly, an These webinars have helped establish a work These and many other initiatives have class solutions that are making a measurable the resources and expertise of insurers, law incredibly fast solution for a member. environment in which everyone understands contributed to a robust NICB culture that difference in the fight against insurance crime. enforcement agencies, prosecutors and the that we are in the same boat and must all row powerfully embraces shared interests and has American public in a united effort to prevent Another example: While the NICB’s special in synch to reach our ambitious goals. an intense commitment to achieving our goals. and detect insurance fraud and vehicle theft. agent force has always been a work-from-home Today, we have more than 1,100 active and group, we expanded this mobile workforce • Our supervisory special agents today use Despite these advancements in technology, associate members as well as strategic partners culture to other parts of our organization the Lync platform to remotely review the NICB and our partners in the fight against Joseph H. Wehrle, Jr. on our side who bring unique knowledge to during the past year. Many of our analysts case files with agents. This technology insurance crime still face formidable challenges. President and Chief Executive Officer our collective efforts. primarily now work from home, but visit our not only supports more efficient internal We aren’t the only ones with technology: communications, but also provides regional Criminals use their own sophisticated tools

2 3 2014 // STATISTICS

DATA ANALYTICS Mobilized to Sound the Alerts 123,032 // Questionable Claim Submissions The NICB first sounded the alerts years ago Additionally on the medical fraud front, we NICB alerts simultaneously, rather than the one year of NICB employment, can opt to to mobilize the property-casualty insurance made significant progress with the Aggregated previously tedious method of one at a time. work from home with weekly headquarters 644 // industry with proactive information they never Medical Database (AMD) by disseminating With this influx of information, they can take office visits. To support this mobile workforce, had before. In 2014, we increased their volume nearly 650 alerts in 2014 which identified 756 action faster than ever on suspicious claim we constructed two rooms where analysts MedAWARE Alerts Published because our system for evaluating suspicious suspicious medical clinics and 872 medical submissions. convene to work on projects, support one claims provides members with greater value providers in 1,000 locations throughout 36 another on their performance accountability than ever before. states. Our technology partners at Verisk Further, we expanded our neutral claims metrics, and use the facilities’ media and 2,557 // Health analyzed more than 1 billion lines analysis program for commercial workers’ communication technologies. ForeWARN Alerts Published To start, we enhanced our ForeWARNSM and of medical billing to support these AMD compensation, liability and property cases. MedAWARESM alert programs — which alerts. Among the most common schemes In this initiative, we examine commercial In recent years, we also began utilizing notify members of potential questionable we identified last year were unsupported claims before they are referred to the NICB industrial psychologists to assess our analyst 53 // activity that could expose you to fraudulent durable medical equipment claims, misuse of as questionable, look for connections and candidates during the hiring process, which claims — with MetaData files. Designed with acupuncture with electronic stimulation and potentially suspicious activity, then proactively has helped build an extraordinarily diverse ForeCastSM Reports Published member support, MetaData files supplement overbilling of magnetic resonance imaging alert members so they can be watchful for group whose expertise spans multiple academic NICB alerts by providing such information scans. With AMD’s latest technology possible claim exposure. Last year, we issued and professional disciplines. This mobilized as the date the alert was published, an alert enhancements, NICB members now have 218 Strategic Information Reports, 189 workforce dynamic has also produced 2,860 // description, applicable previous NICB cases greater automation options to integrate this Strategic Alerts and opened 23 investigative something else: Record levels of team member and alerts, along with the alert’s alleged data into their daily workflows. cases through this program. productivity and results that directly benefit Hotline, Web Tip 411 activity, such as staged accidents, vehicle our members every day. Fraud Tips Processed theft and unsupported medical procedures. In Members can also capitalize on a 2014 system A seismic shift in the Data Analytics work MedAWARE alerts, the MetaData file also enhancement which offers access to a secured culture has contributed to these results. We provides specific medical billing codes and mailbox where they can download batches of now employ five levels of analysts who, after financial amounts billed.

DATA ANALYTICS HUDDLE ROOMS SPUR TEAMWORK AND MOBILE COMMUNICATIONS 4 5 2014 // STATISTICS INVESTIGATIONS Mobilized, Ready and Waiting $32,742,443 // Member-Reported Loss Mitigation

Mobilizing our investigative efforts to address began preparations for adding more NICB 53 percent recovery rate related to thefts to help our members avoid being victimized. sophisticated fraud and theft criminals is agents to these task forces in 2015 in New reported, specialized equipment has a We also expanded our partnerships with $59,288,622 // somewhat comparable to a chess game. We York, Florida, California and Washington, relatively low recovery rate of 16 to 20 percent. vehicle finance associate members to identify Restitution Ordered have to outthink our opponents and beat D.C. In Chicago, our dedicated prosecutor The NICB now facilitates law enforcement and recover vehicles illegally exported as part them to the place on the board where they program initiated in 2013 gained significant inquiries for two of the nation’s largest heavy of fraudulent financial transactions. plan to commit their next crime. momentum, and we created standalone equipment manufacturers, and 16,167 // $50,659,736 office space at our headquarters to better Caterpillar, to support their anti-theft efforts. Undoubtedly, education propels the fight NICB Agent Vehicle This is especially challenging when crime accommodate Midwest field operations and Law enforcement professionals who require against insurance crime. In 2014, NICB Recoveries/Estimated Value rings shift their geographic targets based the Chicago Major Medical Fraud Task product identification number support while agents and field staff nationwide worked upon where they perceive the risk of getting Force. inspecting stolen equipment are today routed with departments of motor vehicles and the caught is lowest. Leveraging our analytics directly to NICB investigative assistants for American Association of Motor Vehicle 806 // $13,135,596 capabilities, technology resources and Cargo theft stayed at the forefront of our recognition and verification support. Administrators to educate them about extensive law enforcement relationships, our group mobilization efforts in 2014. Last counterfeit vehicle titling trends and the NICB Agent Specialized Equipment field operations teams are ready and waiting year’s cargo theft conference in Atlanta On the vehicle front, we created new role of phony manufacturer’s certificates of Recoveries/Estimated Value for them when they attempt to defraud our experienced a tremendous demonstration of opportunities for associate member rental origin in illegal import/export schemes. By members and the American public. cooperation and information-sharing among car agencies to identify vehicles missing mobilizing these stakeholders, we can more its record number of attendees. from their inventories but which were not effectively develop powerful solutions to stem 54 // $5,445,436 NICB task forces mobilize hundreds of reported stolen. Using established license this growing vehicle crime trend. NICB Agent Cargo Theft Property investigators and law enforcement agents to We also continued to focus our efforts in plate reader technology and our relationships Recoveries/Estimated Value address various crime trends. During the past combating specialized equipment theft. with vendors who deploy this technology, we year, our Major Medical Fraud Task Forces Compared to vehicles which have an overall can locate, recover and return these vehicles had their most productive year ever, and we

EDUCATION PROPELS THE FIGHT AGAINST INSURANCE CRIME

6 7 2014 // STATISTICS 16,894 // TRAINING Mobilized for Higher Education Member Students Trained in FraudSmart Classroom Sessions

The NICB Training Department attained Our high-flying training programs are responses and photos, and then instantly Our Training Department also partnered many new heights in 2014, among them: designed so that NICB members and law upload the results for fast decision making. with the International Association of $8,087,150 // enforcement agencies can customize our The other new app — Indicators of Potential Special Investigation Units (IASIU) to • Attendance at our special investigations, various classroom, mobile and online options Deception — provides examples of language design a “reason for submission” standard Value of Member Classroom medical investigations and analyst academies to fit specific learning needs. To support these and behaviors that could suggest possible for questionable claims which features four and Online Training hit a five-year high educational initiatives, we not only mobilize deception in claimants’ verbal and written informational elements to be included in our training team, but also dozens of agents responses. the submission, thus helping investigators • Member company training sessions were the 18,577 // and subject matter experts to satisfy their quickly decide whether they will take further highest they have been in six years thirst for knowledge. We mobilized our long-standing relationship action on the claim. We promoted this project Law Enforcement Students • National Insurance Crime Training with the Department of Justice’s National with website tutorials, FraudTip support and Trained in FraudSmart Academy (NICTA) new student and online On-demand education continued to be a White Collar Crime Center (NWC3) to ISO ClaimSearch® links. Classroom Sessions offering enrollment levels reached record cornerstone of NICB training efforts in create the content for a new website which highs in this program’s 12-year history 2014. In addition to our ever-expanding helps prosecutors better understand state lineup of NICTA online course offerings, we and federal fraud statutes and anti-fraud 32,000 // • FraudSmartSM classroom training attendance created two new smartphone apps which put resources. Hosted by the NWC3, the hit its second highest point since tracking Training and Job Aid NICB investigative assistance literally at your site’s debut in 2014 quickly led to district began 15 years ago Materials Distributed fingertips. The InterviewAssist app gives attorneys, prosecutors and attorneys general • Downloads from the NICBdocs.org website investigators resources and tips to help them offices registering for access to its educational reached record levels design an interview plan, capture interview resources. 14,000 // Continuing Education Credits Issued

61,279 // Visitors to nicbtraining.org, the NICB’s Free Law Enforcement HIGH-FLYING TRAINING PROGRAMS FIT SPECIFIC LEARNING NEEDS Training Website 8 9 2014 // STATISTICS 152 // LEGISLATIVE ADVOCACY Mobilized to Empower Lawmakers Colorado Insurance Fraud & Vehicle Theft Summit Attendees

Preventing and stopping insurance crimes to state laws in just one year: 1) a new felony In Minnesota, NICB public affairs and demonstrated the tremendous viability and that cost the American public billions of insurance fraud law, 2) a statute defining chop lobbying efforts resulting from our 2012 potential of information-sharing between 6 // dollars annually is a powerful catalyst for shops, and 3) legislation which changed the Minnesota Insurance Fraud Summit health and property-casualty insurers, as well empowering communities. From Washington, definition of a salvage vehicle title. We also supported the establishment last year of an as the power of NICB data in uncovering New Laws Enacted to Fight D.C. to state capitols nationwide, our selected Colorado for our annual insurance Insurance Reform Committee in the state potential fraud. Mobilizing our Data Fraud and Theft Government Affairs team mobilizes NICB fraud and vehicle theft summit where we legislature which is the only one of its kind in Analytics team’s expertise, we compared more members, lawmakers, consumer interest analyzed regional crime trends and solutions the nation to focus solely on anti-fraud issues. than $957 million of health insurance claims 25 // groups, prosecutors, law enforcement leaders in partnership with the Rocky Mountain to medical billing data in our Aggregated and public agencies who not only care deeply Insurance Information Association. And in Texas, we launched an immense Medical Database. This analysis uncovered Legislative Bills about fraud and theft issues, but have the undertaking of educating newly elected 104 schemes with health care/property- Impacted by the NICB power to confront criminals with political In Georgia, we advocated for the successful prosecutors about the scope and gravity of the casualty insurance claim crossover exposure, and legislative solutions. passage of anti-runner/anti-solicitation state’s fraud problems amidst its population and showed we had already identified 65 of legislation, helped create a statute defining growth and booming economy. We plan to those schemes in NICB MedAWARE alerts 200 // At the state level, our Government Affairs cargo theft as a crime with penalties, and translate our Texas experience to national with the 39 remaining ones being tracked as Texas Prosecutors group plots an annual strategy to pinpoint supported legislation restricting access prosecutorial levels in the future. potential emerging trends. Addressed by the NICB where our legislative advocacy can have the to vehicle collision reports which are an greatest impact. In Colorado, we pulled off information treasure trove for unscrupulous Our work with the health insurance a rare triple play in 2014 with the Colorado attorneys who promote false insurance claims. community in 2014 as part of the Healthcare Attorney General’s office and NICB Fraud Prevention Partnership (HFPP) members to make three significant additions

CONFRONTING CRIMINALS WITH POLITICAL AND LEGISLATIVE SOLUTIONS

10 11 2014 // STATISTICS $113,327,934 // PUBLIC AWARENESS Mobilized Everywhere You Look and Listen Print, Electronic and Online News Media Ad Equivalency Value

Drive past a billboard. Turn on the radio. result of their success, we developed additional • Developed a campaign with the Florida Getting our messages to everywhere people Division of Insurance Fraud about personal Browse your local newspaper. Surf YouTube. English and Spanish language PSAs to run in look and listen requires a highly mobile public 306,031 // 838 // 902,725 Watch your local television news. Thanks to 2015 that will address vehicle theft and cargo injury protection (PIP) fraud schemes. affairs effort. NICB team members are today our mobilization of so many media channels, theft issues. equipped to instantly move anywhere in the YouTube 2014 Views/ • Created PSAs on more than 100 billboards in NICB messages about how the American country where news is happening, produce Views Per Day/Total Lifetime Views northern California to promote vehicle theft public can protect themselves from becoming Much of our public awareness success is due a report, disseminate it through traditional awareness. insurance crime victims are everywhere you to our team’s ability to mobilize the support media, then multiply the story’s impact look and listen. and participation of members and other anti- • Produced live webinars at the IASIU through our online news networks and social 5,047 // fraud stakeholders. For example, last year we: conference. media channels. Facebook Followers Our public service announcement (PSA) • Relied upon investigative professionals from campaign, which began in late 2013, hit • Produced a video news report with the Los NICB member companies to support our its stride last year with the premiere of two Angeles Police Department about bandit quarterly NICB News program and our 1,146 // 433 radio and television productions focusing on towing operators who monitor police radio weekly Fraud Files video programming contractor fraud and how to avoid blindly frequencies and appear at accident sites Twitter Followers/Messages Sent disseminated on our website and social media putting your trust in professionals, such misrepresenting themselves as working for channels. as physicians and attorneys, who could be insurance companies. These scam artists defrauding insurance companies. Produced by can leave drivers on the hook for excessive 1,228 // 3,212 towing fees totaling hundreds or thousands our Public Awareness Department, the PSAs LinkedIn New/Total Followers had more than 22,000 airings on television of dollars. and 26,000 on radio stations nationwide. As a

SPREADING OUR MESSAGES REQUIRES A HIGHLY MOBILE PUBLIC AFFAIRS EFFORT

12 13 NICB MEMBERS BY GROUP 2014 Active Companies

AAA OF THE CAROLINAS AEGIS GROUP Fireman’s Fund Insurance Company of Encompass Property and Casualty Company AMERICAN INSURANCE Members Insurance Company Aegis Security Insurance Company Interstate Fire & Casualty Company Encompass Property and Casualty Insurance ACQUISITION, INC. Universal Insurance Company (NC) American Sentinel Insurance Company Jefferson Insurance Company Company of New Jersey American Country Insurance Company National Surety Corporation Esurance Insurance Company American Service Insurance Company, Inc. ACCC INSURANCE COMPANY AFFIRMATIVE INSURANCE San Francisco Reinsurance Company Esurance Insurance Company of New Jersey Gateway Insurance Company SERVICES, INC. Esurance Property and Casualty Insurance ACCESS INSURANCE COMPANY Affirmative Insurance Company INSURANCE GROUP Company AMERICAN MODERN INSURANCE MEMBERSHIP Affirmative Insurance Company of Michigan ALIC Reinsurance Company First Colonial Insurance Company GROUP Mobilized to Deepen Connections ACCIDENT FUND GROUP US Agencies Casualty Insurance Allstate Assurance Company Intramerica Life Insurance Company American Family Home Insurance Accident Fund General Insurance Company Company, Inc. Allstate County Mutual Insurance Company Lincoln Benefit Life Company Company Accident Fund Insurance Company US Agencies Direct Insurance Company Allstate Fire & Casualty Insurance Company North Light Specialty Insurance Company American Modern Home Insurance of America Allstate Indemnity Company (North Light) Company Throughout our 102-year history, the NICB’s mission has been the starting point of every member company relationship. Accident Fund National Insurance Company ALINSCO INSURANCE COMPANY Allstate Insurance Company Northbrook Indemnity Company American Modern Insurance Company In 2014, we mobilized our efforts in new ways to deepen our connections with existing members and create new strategic Compwest Insurance Company Allstate Life Insurance Company Surety Life Insurance Company of Florida partnerships. Third Coast Underwriters ALLIANCE INSURANCE COMPANIES of American Modern Lloyds Insurance United Insurance Company Alliance Indemnity Company Allstate New Jersey Insurance Company ALLY INSURANCE HOLDINGS, INC. Company Alliance Insurance Company, Inc. Allstate New Jersey Property and Casualty CIM Insurance Corporation American Modern Select Insurance Member education is a primary component of our outreach programming. By promoting greater understanding and ACE USA GROUP Farmers Alliance Mutual Insurance Company Insurance Company MIC Property and Casualty Insurance Company utilization of our products and services, we can help members maximize their NICB investment. For example, we piloted ACE American Insurance Company Allstate North America Insurance Company Corporation American Modern Surplus Lines a webinar program with a member during 2014’s National Fraud Awareness Week to boost awareness of NICB online ACE Fire Underwriters Insurance Company ALLIANCE UNITED Allstate Property and Casualty Motors Insurance Corporation Insurance Company ACE Insurance Company of the Midwest American Southern Home Insurance training resources to their claims representatives nationwide. Based on its successful debut, we are planning to expand this INSURANCE COMPANY Insurance Company ACE Property and Casualty Insurance Allstate Texas Lloyd’s AMERCO CORP. GROUP Company programming to our broader membership to support your education. Company ALLIANZ U.S. GROUP Allstate Vehicle & Property Insurance Amerco Corp. American Western Home Insurance AGRI General Insurance Company AGCS Marine Insurance Company Company North American Fire & Casualty Company We also extended our capabilities for connecting with you. We created a member engagement manager position to proactively Atlantic Employers Insurance Company Allianz Global Risks U.S. Insurance American Heritage Life Insurance Company First Marine Insurance Company Bankers Standard Fire and Marine Company Company contact members to determine how we can best serve individual company needs. Further, we created thousands of LinkedIn Castle Key Indemnity Company Repwest Insurance Company Bankers Standard Insurance Company Allianz Life Insurance Company Castle Key Insurance Company AMERICAN NATIONAL P&C GROUP connections with member company liaisons to promote and share NICB news and social media programming. Century Indemnity Company of New York Charter National Life Insurance Company AMERICAN FAMILY INSURANCE American National County Mutual Combined Insurance Company of America Allianz Life Insurance Company Encompass Floridian Indemnity Company GROUP Insurance Company Union Insurance Company of North America Encompass Floridian Insurance Company American Family Insurance Company American National General Indemnity Insurance Company of North Allianz Underwriters Insurance Company Encompass Home and Auto Insurance American Family Life Insurance Company Insurance Company America American Automobile Insurance Company Company American Family Mutual Insurance American National Lloyds Insurance Company of North America American Insurance Company Encompass Indemnity Company Company Insurance Company Pacific Employers Insurance Company Associated Indemnity Corporation Encompass Independent Insurance Company American Standard Insurance Company of American National Property and Penn Millers Insurance Company Chicago Insurance Company Encompass Insurance Company Ohio Casualty Company Westchester Fire Insurance Company Euler American Credit Indemnity Company Encompass Insurance Company of America American Standard Insurance Company of Anpac Louisiana Insurance Company Westchester Surplus Lines Insurance Fireman’s Fund Indemnity Corporation Encompass Insurance Company of Wisconsin Farm Family Casualty Insurance Company Company Fireman’s Fund Insurance Company Massachusetts Pacific Property & Casualty Company Fireman’s Fund Insurance Company Encompass Insurance Company United Farm Family Insurance Company of Hawaii, Inc. of New Jersey 14 15 AMERICAN ROAD INSURANCE AUTO CLUB INSURANCE COMPANY CALIFORNIA CASUALTY GROUP Great Northern Insurance Company COREPOINTE INSURANCE COMPANY Southern Insurance Company of United States Fire Insurance Company Farmers Texas County Mutual Insurance First American Property & Casualty GOAUTO INSURANCE COMPANY COMPANY, INC. (TARIC), THE OF FLORIDA California Casualty & Fire Insurance Northwestern Pacific Indemnity Company Southern Mutual Insurance Company Zenith Insurance Company Company Insurance Company Company Pacific Indemnity Company CORNERSTONE NATIONAL Zenith Insurance Company Fire Insurance Exchange First American Specialty Insurance Company GRANGE MUTUAL CASUALTY GROUP AMERIPRISE INSURANCE COMPANY AUTO CLUB SOUTH INSURANCE California Casualty General Insurance Texas Pacific Indemnity Company INSURANCE COMPANY DTRIC INSURANCE ZNAT Insurance Company Foremost County Mutual Insurance Grange Indemnity Insurance Company Ameriprise Insurance Company COMPANY Company of Oregon Vigilant Insurance Company COMPANY, LIMITED Company FIRST CHICAGO INSURANCE Grange Insurance Company of Michigan IDS Property Casualty Insurance Company California Casualty Indemnity Exchange COUNTRY-WIDE INSURANCE FALCON INSURANCE COMPANY Foremost Insurance Company COMPANY Grange Mutual Casualty Company AUTO-OWNERS INSURANCE GROUP California Casualty Insurance Company COMPANY ELECTRIC INSURANCE COMPANY Grand Rapids, Michigan Grange Property & Casualty AMICA MUTUAL GROUP Auto-Owners Insurance Company CORPORATION FARMERS INSURANCE EXCHANGE Foremost Lloyds of Texas FLORISTS’ MUTUAL GROUP Insurance Company Amica Life Insurance Company Home-Owners Insurance Company CANAL GROUP Cincinnati Casualty Company, The CRUSADER INSURANCE COMPANY ELEPHANT INSURANCE COMPANY 21st Century Advantage Insurance Company Foremost Property and Casualty Florists’ Insurance Company Integrity Mutual Insurance Company Amica Lloyds of Texas Owners Insurance Company Canal Indemnity Company Cincinnati Indemnity Company, The 21st Century Assurance Company Insurance Company Florists’ Mutual Insurance Company Integrity Property & Casualty Amica Mutual Insurance Company Property-Owners Insurance Company Canal Insurance Company Cincinnati Insurance Company, The CSAA INSURANCE GROUP EMC INSURANCE COMPANIES 21st Century Auto Insurance Company of Foremost Signature Insurance Company Insurance Company Amica Property and Casualty Insurance Southern-Owners Insurance Company Cincinnati Specialty Underwriter, The AAA Mid-Atlantic Insurance Company Dakota Fire Insurance Company New Jersey Illinois Farmers Insurance Company FORTEGRA FINANCIAL, INC. Trustgard Insurance Company Company CAPITAL INSURANCE GROUP AAA Mid-Atlantic Insurance Company EMC Insurance Companies 21st Century Casualty Company Mid-Century Insurance Company Insurance Company of the South BALDWIN & LYONS GROUP California Capital Insurance Company CITIZENS PROPERTY INSURANCE of New Jersey EMC Property and Casualty Company 21st Century Centennial Insurance Company Mid-Century Insurance Company of Texas Lyndon Southern Insurance Company GREAT AMERICAN PROPERTY AND ANCHOR INSURANCE HOLDINGS Protective Insurance Company West Insurance Company CORPORATION ACA Insurance Company EMC Reinsurance Company 21st Century Indemnity Insurance Company Neighborhood Spirit Property and Response Indemnity Company of California CASUALTY INSURANCE GROUP GROUP Sagamore Insurance Company Monterey Insurance Company CSAA Insurance Exchange EMCASCO Insurance Company 21st Century Insurance Company Casualty Company American Empire Insurance Company Anchor General Insurance Company Nevada Capital Insurance Company CIVIL SERVICE EMPLOYEES GROUP Keystone Insurance Company Employers Modern Life Company 21st Century Insurance Company of New Hampshire Indemnity Company, Inc. FOUNDERS INSURANCE COMPANY American Empire Surplus Lines Insurance Pacific Star Insurance Company BCS INSURANCE GROUP Civil Service Employees Insurance Company Western United Insurance Company Farm and City Insurance Company the Southwest Security National Insurance Company (FL) Company 4Ever Life Insurance Company CATERPILLAR INSURANCE COMPANY CSE Safeguard Insurance Company Hamilton Mutual Insurance Company 21st Century National Insurance Company, Texas Farmers Insurance Company FRANKENMUTH GROUP Great American Alliance Insurance Company ARBELLA INSURANCE GROUP BCS Insurance Company CUNA MUTUAL GROUP of Cincinnati, Ohio, The Inc. Truck Insurance Exchange Ansur America Insurance Company Great American Assurance Insurance Arbella Indemnity Insurance Company Plans Liability Insurance Company CC SERVICES, INC. CNA INSURANCE COMPANIES CUMIS Insurance Society, Inc. Illinois EMCASCO Insurance Company 21st Century North America Insurance Asure Worldwide Insurance Company Company Arbella Mutual Insurance Company Cotton States Mutual Insurance Company American Casualty Company of Union Insurance Company of Providence Company FBL FINANCIAL GROUP, INC. Fortuity Insurance Company Great American Casualty Insurance Arbella Protection Insurance Company, Inc. BERKSHIRE HATHAWAY Country Casualty Insurance Company Reading, CURE AUTO INSURANCE 21st Century Pacific Insurance Company Farm Bureau Property & Casualty Frankenmuth Mutual Insurance Company Company Commonwealth Mutual Insurance Company INSURANCE GROUP Country Mutual Insurance Company Columbia Casualty Company 21st Century Pinnacle Insurance Company KFB Insurance Company, Inc. Patriot Insurance Company Great American Contemporary Insurance Commonwealth Reinsurance Company Columbia Insurance Company Country Preferred Insurance Company Continental Casualty Company DHC GROUP Erie Family Life Insurance Company of New Jersey Western Agricultural Insurance Company Great American E&S Insurance Company Covenant Insurance Company GEICO Advantage Insurance Company Holyoke Mutual Insurance Company Continental Insurance Company Danielson National Insurance Company Erie Insurance Company 21st Century Preferred Insurance Company GEORGIA FARM BUREAU GROUP Great American Fidelity Insurance Company GEICO Casualty Company in Salem Continental Insurance Company of National American Insurance Company of Erie Insurance Company of New York 21st Century Premier Insurance Company FCCI INSURANCE GROUP, INC. Georgia Farm Bureau Casualty Insurance Great American Insurance Company ASCENDANT COMMERCIAL GEICO Choice Insurance Company Middlesex Mutual Assurance Company New Jersey, The California Erie Insurance Exchange 21st Century Superior Insurance Company of Brierfield Insurance Company Company Great American Insurance Company INSURANCE COMPANY GEICO County Mutual Insurance Company Modern Service Insurance Company National Fire Insurance Company Erie Insurance Property & Casualty Company California, Inc. FCCI Advantage Insurance Company Georgia Farm Bureau Mutual Insurance of New York GEICO General Insurance Company MSI Insurance Company of Hartford DIRECT AUTO INSURANCE COMPANY Flagship City Insurance Company American Federation Insurance Company FCCI Commercial Insurance Company Company Great American Lloyd’s Insurance Company ASSURANCEAMERICA GEICO Indemnity Company Shield Insurance Company Surety Bonding Company of America American Pacific Insurance Company, Inc. FCCI Insurance Company Great American Protection Insurance INSURANCE COMPANY GEICO Secure Insurance Company Transportation Insurance Company DIRECT GENERAL GROUP EVEREADY INSURANCE COMPANY Bristol West Casualty Insurance Company Monroe Guaranty Insurance Company GEOVERA HOLDINGS, INC. GROUP Company Government Employees Insurance Company CEM INSURANCE COMPANY Universal Surety of America Direct General Insurance Company Bristol West Insurance Company National Trust Insurance Company GeoVera Insurance Company Great American Security Insurance Company ASSURANT SOLUTIONS National Fire & Marine Insurance Company Valley Forge Insurance Company Direct General Insurance Company of EVEREST RE GROUP Bristol West Preferred Insurance Company GeoVera Security Insurance Company Great American Spirit Insurance Company American Bankers Insurance Company of National Indemnity Company CENTENNIAL CASUALTY COMPANY Western Surety Company Louisiana Everest Indemnity Insurance Company Civic Property and Casualty Company FEDERATED MUTUAL GROUP GeoVera Specialty Insurance Company Mid-Continent Assurance Company Florida National Indemnity Company of Direct General Insurance Company of Everest National Insurance Company Coast National Insurance Company Federated Mutual Insurance Company Pacific Select Property Insurance Company Mid-Continent Casualty Company American Bankers Life Insurance Mid-America CENTURY-NATIONAL INSURANCE COMPANION PROPERTY AND Mississippi Everest Reinsurance Company Exact Property and Casualty Company Federated Service Insurance Company Mid-Continent E&S Insurance Company Company of Florida National Indemnity Company of the South COMPANY CASUALTY INSURANCE COMPANY Direct Insurance Company Everest Security Insurance Company Farmers Insurance Company of Arizona GERMANIA MUTUAL GROUP National Interstate Insurance Company American Reliable Insurance Company National Liability & Fire Insurance Direct National Insurance Company Mt. McKinley Insurance Company Farmers Insurance Company of Idaho FIRST ACCEPTANCE INSURANCE Germania Farm Mutual Insurance National Interstate Insurance Company American Security Insurance Company Company CHUBB GROUP OF INSURANCE CONCORD GROUP INSURANCE Farmers Insurance Company of Oregon GROUP Association of Hawaii, Inc. Caribbean American Property Insurance Seaworthy Insurance Company COMPANIES COMPANIES DONEGAL INSURANCE GROUP FAIRFAX FINANCIAL GROUP Farmers Insurance Company of Washington First Acceptance Insurance Company of Germania Fire & Casualty Company Oklahoma Surety Company Company Chubb Custom Insurance Company Concord General Mutual Insurance Atlantic States Insurance Company American Underwriters Insurance Company Farmers Insurance Company, Inc. Georgia, Inc. Germania Insurance Company Republic Indemnity Company of America Reliable Lloyds Insurance Company BRETHREN MUTUAL INSURANCE Chubb Indemnity Insurance Company Company Donegal Mutual Insurance Company Crum & Forster Indemnity Company Farmers Insurance Hawaii, Inc. First Acceptance Insurance Company of Germania Select Insurance Company Republic Indemnity of California Standard Guaranty Insurance Company COMPANY, THE Chubb Insurance Company of New Jersey Green Mountain Insurance Company, Inc. Le Mars Insurance Company Crum & Forster Insurance Company Farmers Insurance of Columbus, Inc. Texas Heritage Insurance Company Triumphe Casualty Company Voyager Indemnity Insurance Company Chubb Lloyds Insurance Company of Texas State Mutual Insurance Company (ME) Michigan Insurance Company Crum & Forster Underwriters Company Farmers New Century Insurance Company First Acceptance Insurance Company, Inc. Vanliner Insurance Company BRICKSTREET MUTUAL INSURANCE Chubb National Insurance Company Sunapee Mutual Fire Insurance Company Peninsula Indemnity Company of Ohio Farmers New World Life Insurance GLOBAL LIBERTY INSURANCE COMPANY Executive Risk Indemnity, Inc. Vermont Accident Insurance Company, Inc. Peninsula Insurance Company Fairmont Specialty Insurance Company Company FIRST AMERICAN CORPORATION COMPANY OF NEW YORK Executive Risk Specialty Insurance Company Sheboygan Falls Insurance Company First Insurance Company Farmers Reinsurance Company First American Home Buyers Federal Insurance Company North River Insurance Company, The Protection Corp. 16 17 GREATER NEW YORK GROUP Citizens Insurance Company of the Midwest IMT GROUP, THE Kemper LEBANON VALLEY INSURANCE Montgomery Mutual Insurance Associated International Insurance Company Metropolitan General Insurance Company Integon General Insurance Corporation GNY Custom Insurance Company Hanover American Insurance Company HISCOX INSURANCE GROUP IMT Insurance Company (Mutual) Kemper Direct Insurance Company COMPANY Company, The Deerfield Insurance Company Metropolitan Group Property and Casualty Integon Indemnity Corporation Greater New York Mutual Insurance Hanover Insurance Company Hiscox Insurance Company Inc. Wadena Insurance Company Kemper Home Services National Insurance Association Essentia Insurance Company Insurance Company Integon National Insurance Company Company Hanover Lloyd’s Insurance Company Kemper Preferred LIBERTY MUTUAL GROUP Netherlands Insurance Company Insurance Company Metropolitan Lloyds Insurance Company Integon Preferred Insurance Company Insurance Company of Greater New York Hanover National Insurance Company HOMESITE INSURANCE GROUP INFINITY PROPERTY & CASUALTY Kemper Specialty America First Insurance Company North Pacific Insurance Company Evanston Insurance Company of Texas MIC General Insurance Corporation Strathmore Insurance Company Hanover New Jersey Insurance Company Homesite Indemnity Company INSURANCE GROUP Merastar Insurance Company America First Lloyd’s Insurance Company Ohio Casualty Insurance Company, The FirstComp Insurance Company Metropolitan Property and Casualty National General Assurance Company Massachusetts Bay Insurance Company Homesite Insurance Company Hillstar Insurance Company Mutual Savings Fire Insurance Company American Economy Insurance Company Ohio Security Insurance Company Markel American Insurance Company Insurance Company National General Insurance Company GUARD INSURANCE GROUP NOVA Casualty Company Homesite Insurance Company of California Infinity Assurance Insurance Company National Merit Insurance Company American Fire and Casualty Company Oregon Automobile Insurance Company Markel Insurance Company National General Insurance Company AmGUARD Insurance Company Professionals Direct Insurance Company Homesite Insurance Company of Florida Infinity Auto Insurance Company Old Reliable Casualty Company American States Insurance Company Peerless Indemnity Insurance Company MGA INSURANCE COMPANY, INC. Online, Inc. EastGUARD Insurance Company Verlan Fire Insurance Company, MD Homesite Insurance Company of Georgia Infinity Casualty Insurance Company Response Insurance Company American States Insurance Company Peerless Insurance Company AUTOMOBILE National General Insurance Holding NorGUARD Insurance Company Homesite Insurance Company of Illinois Infinity County Mutual Insurance Company Response Worldwide Direct Auto of Texas Safeco Insurance Company of America INSURANCE FUND MICHIGAN BASIC PROPERTY Corporation WestGUARD Insurance Company HARTFORD INSURANCE GROUP, THE Homesite Insurance Company of New York Infinity Indemnity Insurance Company Insurance Company American States Lloyds Insurance Company Safeco Insurance Company of Illinois INSURANCE ASSOCIATION New South Insurance Company First State Insurance Company Homesite Insurance Company of Infinity Insurance Company Response Worldwide Insurance Company American States Preferred Insurance Safeco Insurance Company of MAYA ASSURANCE COMPANY Personal Express Insurance Company GUIDEONE INSURANCE Hartford Accident and Indemnity Company the Midwest Infinity Preferred Insurance Company Union National Fire Insurance Company Company Safeco Insurance Company of Oregon MICHIGAN FARM BUREAU GROUP GuideOne America Insurance Company Hartford Casualty Insurance Company Homesite Lloyds of Texas Infinity Safeguard Insurance Company Unitrin Advantage Insurance Company Bridgefield Casualty Insurance Company Safeco Lloyds Insurance Company MEMIC GROUP Farm Bureau General Insurance Company NATIONS INSURANCE COMPANY GuideOne American Life Insurance Hartford Financial Services – WC Infinity Security Insurance Company Unitrin Auto and Home Insurance Company Bridgefield Employers Insurance Company Safeco National Insurance Company Maine Employers’ Mutual Insurance of Michigan Company Hartford Fire Insurance Company HORACE MANN INSURANCE GROUP Infinity Select Insurance Company Unitrin County Mutual Insurance Company Colorado Casualty Insurance Company Safeco Surplus Lines Insurance Company Company Farm Bureau Mutual Insurance Company NATIONWIDE INSURANCE GuideOne Elite Insurance Company Hartford Insurance Company of Illinois Horace Mann Insurance Company Infinity Standard Insurance Company Unitrin Direct Property & Casualty Consolidated Insurance Company San Diego Insurance Company MEMIC Casualty Company of Michigan COMPANIES GuideOne Life Insurance Company Hartford Insurance Company of the Midwest Horace Mann Lloyds Company Employers Insurance Company of Wausau Business Insurance Company MEMIC Indemnity Company ALLIED Property and Casualty GuideOne Lloyds Insurance Company Hartford Insurance Company of Horace Mann Property & Casualty INSUREMAX INSURANCE COMPANY Unitrin Preferred Insurance Company Wausau A Mutual Company Wausau General Insurance Company MITSUI SUMITOMO GROUP Insurance Company GuideOne Mutual Insurance Company the Southeast Insurance Company Unitrin Safeguard Insurance Company Excelsior Insurance Company Wausau Underwriters Insurance Company MERCHANTS INSURANCE GROUP Mitsui Sumitomo Insurance Company AMCO Insurance Company GuideOne National Insurance Company Hartford Lloyd’s Insurance Company Teachers Insurance Company INTERBORO INSURANCE COMPANY Valley Insurance Company First Liberty Insurance Corporation, The West American Insurance Company Merchants Mutual Insurance Company of America Atlantic Floridian Insurance Company GuideOne Property & Casualty Hartford Underwriters Insurance Company AutoOne Insurance Company Valley Property & Casualty Insurance First National Insurance Company Merchants National Insurance Company Mitsui Sumitomo Insurance USA, Inc. Atlantic Insurance Company Insurance Company New England Insurance Company IAT AutoOne Select Insurance Company Company of America LOYA GROUP Merchants Preferred Insurance Company Berkshire Mutual Insurance Company GuideOne Specialty Mutual Nutmeg Insurance Company Acceptance Casualty Insurance Company Warner Insurance Company General Insurance Company of America Loya Casualty Insurance Company MOTORISTS INSURANCE GROUP, THE Colonial County Mutual Insurance Company Insurance Company Pacific Insurance Company, Ltd. Acceptance Indemnity Insurance Company INTERINSURANCE EXCHANGE Golden Eagle Insurance Corporation Loya Insurance Company MERCURY GENERAL GROUP Consumer Insurance USA, Inc. Crestbrook Insurance Company Property and Casualty Insurance Company Commercial Alliance Insurance Company OF THE AUTOMOBILE CLUB EMPLOYERS’ MUTUAL Hawkeye Security Insurance Company Vision Insurance Company American Mercury Insurance Company Iowa American Insurance Company Depositors Insurance Company HALLMARK FINANCIAL of Hartford Harco National Insurance Company AAA Texas County Mutual Insurance INSURANCE (KEMI) Indiana Insurance Company Young America Insurance Company American Mercury Lloyds Insurance Iowa Mutual Insurance Company Farmland Mutual Insurance Company SERVICES, INC. Sentinel Insurance Company, Ltd. Occidental Fire & Casualty Company Company Insurance Company of Illinois Company MICO Insurance Company Harleysville Insurance Company American Hallmark Insurance Company Trumbull Insurance Company of Auto Club Casualty Company KENTUCKY FARM BUREAU GROUP Liberty County Mutual Insurance Company MAGNA CARTA COMPANIES California Automobile Insurance Company Motorist Life Insurance Company Harleysville Insurance Company of Texas Twin City Fire Insurance Company Service Insurance Company Auto Club Family Insurance Company FB Insurance Company Liberty Insurance Corporation Paramount Insurance Company California General Underwriters Insurance Motorists Commercial Mutual Insurance of New Jersey Hallmark County Mutual Insurance Transguard Insurance Company of Auto Club Indemnity Company Kentucky Farm Bureau Mutual Insurance Liberty Insurance Underwriters, Inc. Public Service Mutual Insurance Company Company Company Harleysville Insurance Company Company HASTINGS MUTUAL INSURANCE America, Inc. Automobile Club Inter-Insurance Exchange Company Liberty Life Assurance Company of Boston Western Select Insurance Company Mercury Casualty Company Motorists Mutual Insurance Company of New York Hallmark Insurance Company COMPANY Wilshire Insurance Company Automobile Club of Southern California Life Liberty Lloyds of Texas Mercury County Mutual Insurance Company Phenix Mutual Fire Insurance Company Harleysville Insurance Company of Ohio Hallmark National Insurance Company Insurance Company KEY INSURANCE COMPANY Liberty Mutual Fire Insurance Company MAPFRE/COMMERCE INSURANCE Mercury Indemnity Company of America Wilson Mutual Insurance Company Harleysville Lake States Insurance Company Hallmark Specialty Insurance Company HAWAII EMPLOYER’S MUTUAL ICW GROUP Liberty Mutual Insurance Company American Commerce Insurance Company Mercury Indemnity Company of Georgia Harleysville Life Insurance Company Texas Builders Insurance Company INSURANCE COMPANY (HEMIC) Explorer American Insurance Company ISLAND INSURANCE GROUP KINGSTONE INSURANCE COMPANY Liberty Mutual Mid-Atlantic Insurance Citation Insurance Company (MA) Mercury Insurance Company MUNICH RE AMERICA, INC. Harleysville Mutual Insurance Company Explorer Insurance Company, The Island Insurance Company, Ltd. Company Commerce Insurance Company, The Mercury Insurance Company of Florida American Alternative Insurance Corporation Harleysville Pennland Insurance Company HANOVER INSURANCE GROUP HCC INSURANCE HOLDINGS, INC. Independence Casualty & Surety Company Island Premier Insurance Company, Ltd. KINGSWAY AMERICA GROUP Liberty Mutual Personal Insurance Company Commerce West Insurance Company Mercury Insurance Company of Georgia Hartford Steam Boiler Inspection and Harleysville Preferred Insurance Company AIX Specialty Insurance Company American Contractors Indemnity Company Insurance Company of the West Tradewind Insurance Company, Ltd. Mendakota Insurance Company Liberty Northwest Insurance Corporation MAPFRE Insurance Company Mercury Insurance Company of Illinois Insurance Company Harleysville Worcester Insurance Company Allmerica Financial Alliance Insurance Avemco Insurance Company Mendota Insurance Company Liberty Personal Insurance Company MAPFRE Insurance Company of Florida Mercury National Insurance Company Hartford Steam Boiler Inspection and Harleysville-Atlantic Insurance Company Company HCC Specialty Insurance Company IFA INSURANCE COMPANY KEMPER CORPORATION Liberty Surplus Insurance Corporation MAPFRE Insurance Company of New York Insurance Company of CT Harleysville-Garden State Insurance Allmerica Financial Benefit Insurance Houston Casualty Company Alpha Property & Casualty Insurance LANCER INSURANCE GROUP LM General Insurance Company METLIFE AUTO & HOME GROUP Princeton Excess and Surplus Lines Company Company Pioneer General Insurance Company IMPERIAL MANAGEMENT GROUP Company Lancer Insurance Company LM Insurance Corporation MARKEL CORPORATION GROUP Economy Fire & Casualty Company Insurance Company Mid-America Insurance Company Campmed Casualty and Indemnity United States Surety Company Imperial Fire and Casualty Insurance Capital County Mutual Fire Insurance North Sea Insurance Company LM Property and Casualty Insurance Alterra American Insurance Company Economy Preferred Insurance Company National Casualty Company Citizens Insurance Company of America US Specialty Insurance Company Company Company Company Alterra Excess & Surplus Insurance Economy Premier Assurance Company NATIONAL GENERAL INSURANCE Nationwide Affinity Insurance Company Citizens Insurance Company of Illinois National Automotive Insurance Company Financial Indemnity Company Mid-American Fire & Casualty Company Company Metropolitan Casualty Insurance Company MANAGEMENT CORPORATION of America Citizens Insurance Company of Ohio HIGHMARK, INC. Midwestern Indemnity Company, The Alterra Reinsurance USA Inc. Metropolitan Direct Property and Casualty Agent Alliance Insurance Company Nationwide Agribusiness Insurance Company Highmark Casualty Insurance Company Insurance Company Integon Casualty Insurance Company Nationwide Assurance Company 18 HM Casualty Insurance Company 19 Nationwide General Insurance Company Norfolk and Dedham Mutual Fire Pennsylvania Manufacturers’ Association Progressive Max Insurance Company – CT SAFE AUTO INSURANCE COMPANY SHELTER INSURANCE COMPANIES Petrolla Insurance Swiss Reinsurance America Corporation Automobile Insurance Company of Hartford, Travelers Indemnity Company of Nationwide Indemnity Company Insurance Company Insurance Company Progressive Michigan Insurance Company American Shield Insurance Company Plaza Insurance Company Washington International Insurance Connecticut, The America, The Nationwide Insurance Company of America Pennsylvania Manufacturers Indemnity Progressive Mountain Insurance Company SAFETY GROUP Haulers Insurance Company, Inc. Provision State Insurance Company Company Charter Oak Fire Insurance Company, The Travelers Indemnity Company of Nationwide Insurance Company of Florida NYCM INSURANCE GROUP Company Progressive Northern Insurance Company Safety Indemnity Insurance Company Shelter General Insurance Company Rockhill Insurance Company Westport Insurance Commercial Guaranty Insurance Company Connecticut, The Nationwide Lloyds A. Central Insurance Company Progressive Northern Insurance Safety Insurance Company Shelter Mutual Insurance Company State Auto Florida Insurance Company Discover Specialty Insurance Company Travelers Indemnity Company, The Nationwide Mutual Fire Insurance Company New York Central Mutual Fire Insurance PREFERRED MUTUAL INSURANCE Company – CT Safety Property and Casualty Insurance Shelter Reinsurance Company State Auto Insurance Company of Ohio TEXAS FARM BUREAU MUTUAL GROUP Discovery Property & Casualty Insurance Travelers Investigative Services Nationwide Mutual Insurance Company Company COMPANY Progressive Northwestern Insurance Company State Auto Insurance Company of Wisconsin Farm Bureau County Mutual Insurance Company (Division Stats) Nationwide Property and Casualty Company SOMPO JAPAN INSURANCE, INC. State Auto Property and Casualty Company of Texas Farmington Casualty Company Travelers Lloyds Insurance Company, The Insurance Company OHIO INDEMNITY COMPANY PROASSURANCE CORPORATION Progressive Paloverde Insurance Company SAFEWAY INSURANCE GROUP Sompo Japan Fire and Marine Insurance Insurance Company Texas Farm Bureau Casualty Insurance Fidelity and Guaranty Insurance Company Travelers Lloyds of Texas Insurance Penn Mutual Insurance Company Allied Eastern Indemnity Company Progressive Preferred Insurance Company Safeway County Mutual Insurance Company Company of America State Automobile Mutual Insurance Company Fidelity and Guaranty Insurance Company Scottsdale Indemnity Company ONEBEACON INSURANCE GROUP American Medical Insurance Exchange Progressive Premier Insurance Company of Safeway Direct Insurance Company Sompo Japan Insurance Company of America Company Texas Farm Bureau Mutual Insurance Underwriters, Inc. Travelers Personal Insurance Company Scottsdale Insurance Company Atlantic Specialty Insurance Eastern Advantage Assurance Company Illinois Safeway Insurance Company Company First Floridian Auto and Home Insurance Travelers Personal Lines (Division Stats) Scottsdale Surplus Lines Insurance Company Camden Fire Insurance Association Eastern Alliance Insurance Company Progressive Security Insurance Company Safeway Insurance Company of Alabama SOUTHERN FINANCIAL INSURANCE STATE COMPENSATION INSURANCE Texas Farm Bureau Underwriters Company Travelers Personal Security Insurance Titan Indemnity Company Employers’ Fire Insurance Company MEDMARC Casualty Insurance Company Progressive Select Insurance Company Safeway Insurance Company of Georgia GROUP FUND OF CA (a reciprocal) First Trenton Indemnity Company Company Titan Insurance Company Homeland Insurance Company of New York Noetic Specialty Insurance Company Progressive Southeastern Insurance Company Safeway Insurance Company of Louisiana Capitol Preferred Insurance Company Gulf Underwriters Insurance Company Travelers Property Casualty Company of Veterinary Pet Insurance Company Northern Assurance Company of America PACO Assurance Company, Inc. Progressive Specialty Insurance Company Safeway Property Insurance Company Southern Fidelity Insurance Company, Inc. STATE FARM GROUP GROUP Northfield Insurance Company America Victoria Automobile Insurance Company OneBeacon America Insurance Company Podiatry Insurance Company of America Progressive Specialty Insurance Southern Fidelity Property and Casualty State Farm County Mutual Insurance TM Specialty Insurance Company Northland Casualty Company Travelers Property Casualty Insurance Victoria Electra Insurance Company OneBeacon Insurance Company ProAssurance Casualty Company Company – CT SECURITY FIST INSURANCE COMPANY Company of Texas TNUS Insurance Company Northland Insurance Company Company Victoria Fire and Casualty Company OneBeacon Lloyd’s of Texas ProAssurance Indemnity Company, Inc. Progressive Universal Insurance Company SPRINGFIELD INSURANCE COMPANY State Farm Fire and Casualty Company Tokio Marine America Insurance Company Phoenix Insurance Company, The United States Fidelity and Guaranty Victoria Select Insurance Company OneBeacon Midwest Insurance Company ProAssurance Specialty Insurance of Illinois SELECTIVE INSURANCE GROUP State Farm Florida Insurance Company Trans Pacific Insurance Company Premier Insurance Company of Company Victoria Specialty Insurance Company Pennsylvania General Insurance Company Company, Inc. Progressive West Insurance Company Mesa Underwriters Specialty Insurance STANDARD MUTUAL INSURANCE State Farm General Insurance Company Massachusetts, The Western Heritage Insurance Company Potomac Insurance Company United Financial Casualty Company Company (MUSIC) COMPANY State Farm Guaranty Insurance Company TOPA INSURANCE GROUP Seaboard Surety Company TRI-STATE CONSUMER Traders & General Insurance Company PROGRESSIVE GROUP United Financial Casualty Company – CT Selective Auto Insurance Company State Farm Indemnity Company Topa Insurance Company Select Insurance Company INSURANCE COMPANY NEVADA GENERAL INSURANCE Artisan and Truckers Casualty Company of New Jersey STAR CASUALTY INSURANCE State Farm Lloyds St. Paul Fire and Casualty Insurance COMPANY OOIDA RISK RETENTION GROUP, INC. Drive New Jersey Insurance Company QUINCY MUTUAL GROUP Selective Insurance Company of America COMPANY State Farm Mutual Automobile Insurance TOWER GROUP COMPANIES Company UNION FIDELITY LIFE INSURANCE Commercial Truck Claims Management Mountain Laurel Assurance Company New England Mutual Insurance Company Selective Insurance Company of Company Adirondack Insurance Exchange St. Paul Fire and Marine Insurance Company COMPANY NEW JERSEY MANUFACTURERS National Continental Insurance Company Patrons Oxford Insurance Company New England STARR COMPANIES Massachusetts Homeland Insurance St. Paul Guardian Insurance Company GROUP PARAMOUNT INSURANCE Progressive Advanced Insurance Company Quincy Mutual Fire Insurance Company Selective Insurance Company of New York Starr Indemnity & Liability Company STERLING CASUALTY INSURANCE Company St. Paul Medical Liability Insurance UNITED AUTOMOBILE INSURANCE New Jersey Casualty Insurance Company COMPANY – MD Progressive American Insurance Company Selective Insurance Company of COMPANY New Jersey Skylands Insurance Association Company GROUP New Jersey Indemnity Insurance Company Progressive Bayside Insurance Company REPUBLIC GROUP, THE South Carolina STATE AUTOMOBILE INSURANCE New Jersey Skylands Insurance Company St. Paul Mercury Insurance Company Argus Fire & Casualty Insurance Company New Jersey Manufacturers Insurance PEACHTREE CASUALTY Progressive Casualty Insurance Company Republic Fire & Casualty Company Selective Insurance Company of the COMPANIES STILLWATER INSURANCE GROUP Tower Insurance Company of New York St. Paul Protective Insurance Company United Automobile Insurance Company Company INSURANCE COMPANY Progressive Casualty Insurance Republic Lloyds Southeast American Compensation Insurance Stillwater Insurance Company Tower National Insurance Company St. Paul Surplus Lines Insurance Company United Midwest Insurance Company New Jersey MFG SIU – Staff Company – CT Republic Underwriters Insurance Company Selective Way Insurance Company Company Stillwater Property and Casualty Insurance York Insurance Company of Maine Standard Fire Insurance Company, The New Jersey Re-Insurance Company PGC HOLDING GROUP Progressive Choice Insurance Company Republic Vanguard Insurance Company Beacon Lloyds Insurance Company Company TravCo Insurance Company UNITED EQUITABLE GROUP General Automobile Insurance Progressive Classic Insurance Company Southern County Mutual Insurance SENTRY INSURANCE GROUP Beacon National Insurance Company TOWER HILL INSURANCE GROUP, LLC Travelers Auto Insurance Company American Heartland Insurance Company NLC INSURANCE COMPANIES Company, Inc. Progressive Commercial Casualty Company Company Dairyland County Mutual Insurance Bloomington Compensation Insurance STRICKLAND INSURANCE GROUP Omega Insurance Company of New Jersey United Equitable Insurance Company Danbury Insurance Company Permanent General Assurance Corporation Progressive County Mutual Insurance Southern Insurance Company Company of Texas Company Atlantic Casualty Insurance Company Tower Hill Preferred Insurance Company Travelers Casualty and Surety Company Hingham Mutual Fire Insurance Company Permanent General Assurance Corporation Company Southern Underwriters Insurance Dairyland Insurance Company Farmers Casualty Insurance Company Coastal Casualty Insurance Company Tower Hill Prime Insurance Company Travelers Casualty and Surety Company UNITED SERVICES New London County Mutual Insurance of Ohio Progressive Direct Insurance Company Middlesex Insurance Company First Preferred Insurance Company Tower Hill Select Insurance Company of America AUTOMOBILE ASSOCIATION Company Progressive Direct Insurance Company – CT RESPONSIVE AUTO INSURANCE Patriot General Insurance Company Litchfield Mutual Fire Insurance Company SUTTER INSURANCE COMPANY Tower Hill Signature Insurance Company Travelers Casualty Company of Connecticut Catastrophe Reinsurance Company Thames Insurance Company ROCK COMPANIES Progressive Express Insurance Company COMPANY Peak Property and Casualty Insurance Meridian Citizens Mutual Insurance Travelers Casualty Insurance Company of USAA Casualty Insurance Company Bunker Hill Insurance Company Progressive Freedom Insurance Company Corporation Companies SWISS RE GROUP TOYOTA MOTOR INSURANCE America USAA County Mutual Insurance Company NORFOLK AND DEDHAM GROUP, THE Mt. Washington Assurance Corporation Progressive Garden State Insurance Company RIDER INSURANCE COMPANY Sentry Casualty Company Meridian Security Insurance Company Facility Insurance Corporation COMPANY Travelers Commercial Casualty Company USAA Garrison Property and Casualty Dorchester Mutual Insurance Company Pilgrim Insurance Company Progressive Group of Insurance Sentry Insurance A Mutual Company Mid-Plains Insurance Company First Specialty Insurance Corporation Travelers Commercial Insurance Company Association Fitchburg Mutual Insurance Company Plymouth Rock Assurance Corporation Companies – CT RLI GROUP Sentry Lloyds of Texas Milbank Insurance Company North American Capacity Insurance TRAVELERS COMPANIES, INC., THE Travelers Commercial Lines (Division Stats) USAA General Indemnity Company Progressive Gulf Insurance Company Contractors Bonding Insurance Company Sentry Select Insurance Company Patrons Fire Insurance Company Company American Equity Insurance Company Travelers Excess and Surplus Lines Company USAA Life Insurance Company PMA CAPITAL CORPORATION Progressive Hawaii Insurance Corporation Mt. Hawley Insurance Company County Mutual Insurance Company of Rhode Island North American Elite Insurance Company American Equity Specialty Insurance Travelers Home and Marine Insurance USAA Texas Lloyds Company Manufacturers Alliance Insurance Company Progressive Marathon Insurance Company RLI Indemnity Company Viking Insurance Company of Wisconsin Patrons Mutual Insurance Company North American Specialty Insurance Company Company, The Progressive Max Insurance Company RLI Insurance Company of Connecticut Company Athena Assurance Company 20 21 UTICA FIRST INSURANCE COMPANY WINDHAVEN INSURANCE COMPANY STATEMENTS OF FINANCIAL POSITION Years ended December 31, FINANCIAL STATEMENTS WAWANESA INSURANCE GROUP WORKMEN’S AUTO INSURANCE ASSETS 2014 2013 Wawanesa General Insurance Company COMPANY Current assets $6,859,742 $6,010,204 Wawanesa Mutual Insurance Company Investments 36,573,705 35,495,777 These financial statements have WRC GROUP OF COMPANIES, THE Prepaid pension cost – 1,178,202 been prepared by management in Property and equipment (net) 2,034,660 1,274,366 conformity with generally accepted WELLINGTON INSURANCE COMPANY 1st Auto & Casualty Insurance Company Other assets 120,352 120,827 ASSOCIATE accounting principles and include all Wisconsin Reinsurance Corp. TOTAL ASSETS $45,588,459 $44,079,376 WESTERN GENERAL INSURANCE adjustments which, in the opinion of LIABILITIES AND NET ASSETS management, are necessary to reflect COMPANY ZURICH NORTH AMERICA MEMBER STRATEGIC Current liabilities $6,775,000 $5,643,113 American Guarantee and Liability a fair presentation. This presentation Capital lease obligation, net of current portion 196,621 1,949 represents a summarization from Insurance Company WESTERN NATIONAL MUTUAL GROUP COMPANIES PARTNERS Other long-term liabilities 126,655 237,750 audited financial statements. Certain American Freedom Insurance Company American Zurich Insurance Company Accrued pension costs 1,308,045 – reclassifications of prior year amounts Accrued post-retirement benefits 16,636,000 12,374,000 Arizona Automobile Insurance Company Assurance Company of America ALLY FINANCIAL, INC. INSURANCE AUTO AUCTIONS, INC. VERIHULL, LLC D/B/A AS BOAT have been made to conform to the Pioneer Specialty Insurance Company Colonial American Casualty and Surety TOTAL LIABILITIES 25,042,321 18,256,812 HISTORY REPORT (BHR) Unrestricted Net Assets 20,534,316 25,497,930 current year presentation. Umialik Insurance Company Company AVIS BUDGET GROUP KEENAN AND ASSOCIATES AND Temporarily Restricted Net Assets 11,822 324,634 Western Home Insurance Company Empire Fire and Marine Insurance Company AVIS Rent A Car System, LLC REGENCY, A DIVISION OF KEENAN ENSERVIO, INC. TOTAL NET ASSETS 20,546,138 25,822,564 Western National Assurance Company Empire Indemnity Insurance Company TOTAL LIABILITIES AND NET ASSETS $45,588,459 $44,079,376 Western National Mutual Insurance Fidelity and Deposit Company of Maryland CARMAX BUSINESS SERVICES, LLC MANHEIM INTERTEL Company Maryland Casualty Company CarMax Auto Superstores, Inc. STATEMENTS OF ACTIVITIES Northern Insurance Company of New York MOTOR VEHICLE ACCIDENT SAFELITE SOLUTIONS, LLC REVENUES WESTERN SERVICE CONTRACT Steadfast Insurance Company CITIWIDE AUTO LEASING, INC. INDEMNIFICATION CORPORATION GROUP Universal Underwriters Insurance Company (MVAIC) Assessments and member services $46,052,264 $44,562,049 AllCar Rent-A-Car SOCIAL INTELLIGENCE CORP. Data related and strategic partnership 445,996 386,187 Pacific Specialty Insurance Company Universal Underwriters of Texas Insurance Investment income 2,251,067 1,321,295 Pacific Specialty Property Casualty Company Company COPART NEW JERSEY PROPERTY-LIABILITY Net realized and unrealized gain (loss) on investments (1,098,747) 2,199,007 Zurich American Insurance Company QCSA Holdings, Inc. INSURANCE GUARANTY Net assets released from restriction 319,186 97,601 WESTFIELD GROUP Zurich American Insurance Company of ASSOCIATION TOTAL REVENUES $47,969,766 $48,566,139 American Select Insurance Company Illinois COUNTY OF RIVERSIDE, P.S.I., THE EXPENSES Ohio Farmers Insurance Company SIMPLY WHEELZ, LLC Salaries $26,077,903 $24,875,296 Old Guard Insurance Company ENTERPRISE HOLDINGS Advantage Rent A Car Retirement and employee benefits 7,732,780 7,022,807 Westfield Insurance Company Enterprise Rent-A-Car Automobile operations 2,084,146 2,096,697 Westfield National Insurance Company WELLS FARGO BANK, N.A. Dues and fees 1,878,417 1,819,742 National Car Rental Office expense 1,441,145 1,409,543 Vanguard Car Rental USA, Inc. Technical fees and services 1,343,374 1,259,408 Travel and group meetings 1,142,623 763,598 FOX RENT A CAR Communications 887,082 951,236 Insurance 666,796 644,541 Computer and peripheral units 578,422 654,116 GALPIN MOTORS, INC. Other 2,604,587 2,042,564 TOTAL EXPENSES $46,437,275 $43,539,548 HERTZ CORPORATION, THE Change in unrestricted net assets before pension and post-retirement-related change Dollar Thrifty Automotive Group, Inc. other than net periodic pension and post-retirement costs 1,532,491 5,026,591 Hertz Company, The Pension and post-retirement-related change other than net periodic pension and post-retirement costs (6,496,105) 7,223,613 CHANGE IN UNRESTRICTED NET ASSETS (4,963,614) 12,250,204 Restitution contribution 6,374 211,849 Net assets released from restriction (319,186) (97,601) CHANGE IN TEMPORARILY RESTRICTED NET ASSETS (312,812) 114,248 CHANGE IN NET ASSETS (5,276,426) 12,364,452 Net assets, beginning of year 25,822,564 13,458,112 Net assets, end of year $20,546,138 $25,822,564 22 23 FINANCIAL STATEMENTS FINANCIAL STATEMENTS

NOTES TO FINANCIAL STATEMENTS 2014 and 2013, NICB made contributions of $0 and $277,740, respectively, to the Plan. NICB has an unfunded commitment ASSESSMENT REVENUES to the pension master trust at December 31, 2014, as its pension The activities of the National Insurance Crime Bureau (“NICB”), liability is not fully funded. PROGRAM SERVICES Years ended December 31, conducted principally in the United States, are financed through DATA ANALYTICS 2014 2013 assessments of its member insurance carriers. Such assessments NICB POST-RETIREMENT PLAN Strategic $2,670,879 $2,380,376 are determined according to a formula based upon gross premiums NICB provides certain healthcare and life insurance benefits Tactical 1,723,528 1,678,412 Information aggregation and analysis 1,998,445 1,962,881 for retired employees. Employees hired prior to April 1, 2004 for certain lines of business written by member companies and TOTAL DATA ANALYTICS 6,392,852 6,021,669 annual verification received from them. During the years ended are eligible to receive this benefit. The NICB Post-Retirement December 31, 2014 and 2013, nine member organizations made Plan is unfunded. As of December 31, 2014, recognition of the INVESTIGATIONS net unfunded status of the NICB Post-Retirement Plan resulted Domestic vehicle recovery 3,989,679 3,763,497 up approximately 56% and 55%, respectively, of NICB’s assessment Repatriation 1,412,659 1,524,905 and member service revenues. in current liabilities of $646,000 and non-current liabilities of Major cases - vehicle 2,321,167 2,022,167 $16,636,000 for a total benefit obligation of $17,282,000. Major cases - property and casualty 3,418,124 3,382,932 Field investigations 5,631,312 5,201,881 UNRESTRICTED NET ASSETS Commercial fraud 1,118,500 1,235,121 Unrestricted net assets are not subject to donor-imposed LITIGATION Major medical fraud task forces 8,704,418 8,093,286 Law enforcement assistance 4,017,118 3,853,044 NICB has been named as a defendant in certain lawsuits stipulations or time restrictions. TOTAL INVESTIGATIONS 30,612,977 29,076,833 wherein the plaintiffs seek to recover damages based upon TEMPORARILY RESTRICTED NET ASSETS various allegations arising from certain of these organizations’ TRAINING Temporarily restricted net assets of $11,822 and $324,634, investigations. After considering the merits of these actions and Member company training 997,027 957,875 Law enforcement training 407,731 418,002 respectively, as of December 31, 2014 and 2013 are available the opinions of outside counsel, together with the organizations’ Internal training 409,539 434,364 NICTA 140,598 135,366 for the purpose of funding special operations in support of law liability insurance coverage, management of NICB believes that the ultimate liability for these matters, if any, will not have a material TOTAL TRAINING 1,954,895 1,945,607 enforcement and designated fraud fighting activities. The Board of adverse effect on NICB’s financial statements. Governors approved the release of $319,186 in 2014 and $97,601 LEGISLATIVE ADVOCACY 1,361,401 1,283,560 in 2013 of temporarily restricted net assets for designated activities. PUBLIC AWARENESS 1,044,553 758,581 TAX STATUS NICB CONSOLIDATED PENSION PLAN NICB has received a favorable determination letter from the TOTAL PROGRAM SERVICES 41,366,678 39,086,250 Effective July 1, 2008, the NICB Pension Plan merged with the Internal Revenue Service dated September 9, 1991, and reaffirmed ADMINISTRATIVE AND GENERAL 5,070,597 4,453,298 participants of the National Automobile Theft Bureau (“NATB”) in 2001, stating that it qualifies as a not-for-profit corporation as TOTAL FUNCTIONAL EXPENSES $46,437,275 $43,539,548 to become a participating employer in the Pension Plan for described in Section 501(c)(4) of the Internal Revenue Code (IRC) Insurance Organizations Plan (the “PPIO Plan”). The PPIO and, as such, is exempt from federal income taxes on related income Plan is a multiple-employer benefit plan with approximately pursuant to Section 501(a) of the IRC. NICB continues to qualify 72 participating employers. For the years ended December 31, as a not-for-profit corporation under Section 501(c)(4).

24 25 BOARD OF GOVERNORS

NANCY PIERCE, CHAIR MICHAEL J. PRANDI, KENNETH E. ROSEN, DAVID A. BANO RUSTY BEATY KELLY BEVER MICHAEL CAPUZZI MICHAEL CONVERY STEVE M. HATCH TOM KASCHALK DOUGLAS S. MATTHEW C. MICHAEL J. JAMES P. RUNNELS MARK C. NICHOLAS MICHAEL E. REGIONAL P&C VICE VICE CHAIR IMMEDIATE PAST SENIOR VICE GENERAL MANAGER - VICE PRESIDENT SENIOR VICE VICE PRESIDENT, EXECUTIVE VICE SENIOR VICE MENGES MURPHY RANDALL SENIOR VICE RUSSELL SEMINARA STAPLETON PRESIDENT CHIEF OPERATING CHAIR PRESIDENT - NATIONAL SPECIALTY OF OPERATIONS PRESIDENT, CHIEF CLAIM PRESIDENT, CHIEF PRESIDENT & CHIEF SENIOR VICE VICE PRESIDENT, SENIOR VICE PRESIDENT DAILY EXECUTIVE VICE SENIOR VICE SENIOR VICE Government Employees OFFICER SENIOR VICE CHIEF CLAIMS CLAIMS State Farm Mutual CLAIMS EASTERN OFFICER CLAIMS OFFICER CLAIMS OFFICER PRESIDENT AND CLAIM SOLUTIONS PRESIDENT OF RENTAL PRESIDENT, PRESIDENT, PRESIDENT, Insurance Company Westfield Group PRESIDENT - CLAIMS OFFICER Progressive Insurance Automobile TERRITORY MetLife Auto & Home Zurich North America Direct General CHIEF CLAIMS & ANALYTICS CLAIMS Enterprise Holdings CHIEF CUSTOMER CLAIM GENERAL CLAIM (GEICO) USAA Nationwide Insurance Allstate Insurance Insurance OFFICER DIVISION CSAA Insurance INTERACTIONS COUNSEL ADMINISTRATION Insurance Company Company Mercury Insurance The Hartford Group OFFICER Travelers CNA Group Financial Services Grange Insurance Insurance Group, Inc. Companies

26 27 ADVISORS TO THE BOARD NICB SENIOR LEADERSHIP TEAM

RICHARD DELLA NANCY DENNIS JAY STEPHEN L. MORRIS WADE WICKRE JOSEPH H. JAMES K. DANIEL G. ROBERT J. ANDREW J. JUDITH M. BARBARA M. LOW ROGER MORRIS LINDA E. BRIAN SMIDT TOM WELSH ROBERT M. ROCCA GUGLIELMO EXECUTIVE ASSISTANT DIRECTOR, SPECIAL WEHRLE, JR. SCHWEITZER ABBOTT JACHNICKI SOSNOWSKI FITZGERALD VICE PRESIDENT – VICE PRESIDENT SCHWARTZ VICE PRESIDENT – VICE PRESIDENT – REILLEY PRESIDENT OF VICE PRESIDENT, DIRECTOR CRIMINAL JUSTICE INVESTIGATIONS PRESIDENT SENIOR VICE SENIOR VICE SENIOR VICE SENIOR VICE VICE PRESIDENT – HUMAN RESOURCES AND CHIEF VICE DATA ANALYTICS TRAINING CHIEF VERISK INSURANCE BITS FRAUD Coalition Against INFORMATION UNIT DIRECTOR, AND CHIEF PRESIDENT PRESIDENT PRESIDENT AND PRESIDENT GOVERNMENT COMMUNICATIONS PRESIDENT – INSPECTOR AND SOLUTIONS – REDUCTION Insurance Fraud SERVICES DIVISION Nationwide EXECUTIVE AND CHIEF AND CHIEF CHIEF FINANCIAL AND GENERAL AFFAIRS OFFICER MEMBERSHIP COMPLIANCE CLAIMS AND CRIME PROGRAM Federal Bureau of Mutual Insurance OFFICER OPERATING INFORMATION OFFICER COUNSEL AND OFFICER ANALYTICS The Financial Investigation Company OFFICER OFFICER MARKETING ISO Claims Solutions Services PRESIDENT Roundtable International Association of Special Investigation 28 Units (IASIU) 29 NICB HEADQUARTERS 1111 E. Touhy Avenue, Ste. 400 Des Plaines, IL 60018 800.447.6282

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