A.M. Best's stock indexes.

[GRAPHIC OMITTED]

The "AMB" vs. the "Dow"

                                              Percent Change

                                      Index    Month/   Year to   Year/
AMB vs Dow                            Close    Month      Date    Year

AMB's Insurance Composite (AMBG)    1,361.77     5.14      2.35   15.44
Dow Jones Industrial Avg (DJIA)    12,552.96     3.23      0.72   12.79

                                           Percent Change

Global and Regional Indexes      Index    Month/   Year to   Year/
(Ticker)                         Close    Month      Date    Year

Insurance Composite Indexes by Region

United States (AMBUS)          1,265.39     2.79      0.49   11.73
Europe (AMBEUR)                1,540.75     9.08      4.34   24.77
Asia/Pacific (AMBAP)           1,536.14     7.53     10.04    6.52

Insurance Indexes by Market Type (Global)

Non-Life (AMBGNL)              1,318.52     5.24      2.55   15.98
Life (AMBGL)                   1,426.07     5.34      3.22   12.21
Multi-Line (AMBGML)            1,350.03     5.02      1.10   21.07
Reinsurance (AMBGR)            1,368.75     6.65      2.21   21.79
Brokers (AMBGB)                1,088.48     2.07      0.96    1.89

(See www.ambest.com/stocks for live feed, methodology and further
detail identifying the companies included in each index.)

                                        Percent Change

                               Index    Month/   Year to   Year/
U.S. Indexes (Ticker)          Close    Month      Date    Year

Insurance Indexes by Market Type (U.S.)

Multi-Line (AMBUML)          1,103.47     0.65     -5.09    9.51
Property/Casualty (AMBUPC)   1,233.43     3.69     -0.87   17.16
Life & Health/HMO (AMBULH)   1,426.66     3.36      4.74   10.47
Life (AMBUL)                 1,475.21     4.22      5.26   14.34
Health/HMO (AMBUH)           1,373.23     2.44      4.17    6.53
Brokers (AMBUB)              1,062.69     1.72      0.07   -0.10

(See www.ambest.com/stocks for live feed, methodology and further
detail identifying the companies included in each index.)

                                                             Change
                                                   Closing   Month/
Top 5 Global Performers       Ticker    Currency     Price    Month

1. China Insurance             jB0966        HKD     10.24    19.07
  International Holdings
2. Novae Group PLC               ILWA        GBP      0.43    18.88
3. Scor S.A.                  eQ13030        EUR     21.95    17.38
4. Atrium Underwriting PLC      ILAUW        GBP      2.75    14.85
5. Hannover                    eiHNR1        EUR     35.12    14.21
Rueckversicherungs AG

Bottom 5 Global Performers

1. KMG America Corp.              KMA        USD      4.90   -47.65
2. Penn Treaty American           PTA        USD      6.01   -16.06
  Corp.
3. RTW Inc.                      RTWI        USD      7.97    -8.39
4. National Atlantic             NAHC        USD     11.96    -5.45
  Holdings Corp.
5. Affirmative Insurance         AFFM        USD     17.14    -5.30
Holdings Inc.