At The Captive Group, we define group captives as independently owned and operated

2. At The Captive Group, we define group captives as independently owned and operated Insurance companies that provide insurance to, and are controlled by, their owners. A captive insurance company analyzes and insures the specific risks of its owners, typically reducing operating costs, and returns underwriting profits and investment income to them in the form of a dividend. HOMOGENEOUS CAPTIVES Captive groups whose members represent the same industry, such as agriculture, building contractors, construction, energy, manufacturing or trucking companies. HETEROGENEOUS CAPTIVES Captive groups whose members are from diverse industries collectively pooled together. The Captive Group administers and consults both homogeneous and heterogeneous captives. However, all share the common objective of seeking better control of their insurance costs.

3. It’s simple. As a member of a group captive, you are no longer susceptible to the ever changing cyclical nature of traditional insurance providers. Other benefits enjoyed by members of group captives include: LOWER COSTS. The price of insurance coverage purchased in the conventional market can often times include mark-ups to pay for the insurer’s acquisition costs, marketing expenses, high commissions, administration and overhead. Such pricing is specifically designed to deliver profit to the insurer’s bottom line. In a group captive, the goal is to minimize those costs and enhance your bottom line. BETTER SERVICES AND MANAGEMENT. A captive can purchase strategic insurance products that allow each captive member to manage predictable losses while transferring potential catastrophic losses. For captives supported by The Captive Group, this leads to improved loss control and greater awareness of the factors that commonly give rise to losses so that they may be reduced and often prevented in the future. more on next page

4. ENHANCED PROFIT POTENTIAL. As a member of a group captive, you are rewarded for controlling losses and claims by receiving dividends and investment income. Your loss experience directly determines your dividends and future premiums allowing you to be more competitive in the marketplace. LONG-TERM CONTROL OF YOUR INSURANCE DESTINY. The Captive Group provides an opportunity for businesses to control their insurance and risk management through ownership. Because members are owners, they can customize insurance coverage to better meet their needs and reduce their long term cost of risk. MORE TIME SPENT RUNNING YOUR BUSINESS. Turning to an independent captive advisor such as The Captive Group, means you spend less time addressing insurance issues and more time running your business. We will help you implement, coordinate and facilitate the growth and continued success of your risk management program.

5. A member-owned group captive is an ideal form of alternative risk financing for companies or organizations that share such qualities as: •Long-term financial strength and stability • Management teams committed to safety, with solid safety programs in place • Loss histories that are better than average in their respective industries • Minimum casualty premiums of $250,000. However, our group captive members typically have annual premiums of at least $500,000, but can reach or exceed $6,000,000

6. The Captive Group makes it easy for you to get started in a group captive. Our experienced and dedicated staff of insurance industry professionals will work with you one-on-one to understand your company’s specific insurance needs and goals, then structure a program to best meet them. Why wait? Every year, business owners and executives invest a substantial portion of their revenues to insure the health and safety of their employees and companies. As one of the largest captive advisors in the nation, The Captive Group have helped hundreds of businesses achieve their risk management goals. For more information on how captives work, The Captive Group services and success, or to speak with a business in your industry that is benefiting from captive membership, visit us at www.thecaptivegroup.com.

7. ~ For illustration purposes only, not a projection or guarantee of actual results * Casualty Insurance + Dividends are determined by owners # 6% simple interest

12. THE CAPTIVE GROUP RISK MANAGERS BY REGION Contact PhoneRegion Jane M. Teijeira 716-819-5806 New England Peter C. Gernold, CPCU 716-819-5815 East Coast Kyle R. Calvert 913-626-0458 Midwest Klein R. Calvert 913-207-0289 Midwest John D. Schlichte, CIC, CRM, CWCA 801-898-8191 Mountain Robert C. Pettit, CIC, CRM, CWCA 949-798-5544 West Coast Todd F. Pilcher 503-758-5583 Pacific Northwest www.thecaptivegroup.com DISCLAIMER The purpose of our material is to provide viewers with educational information concerning the captive insurance industry and to direct interested parties to properly licensed insurance professionals in their respective region. Nothing in this brochure shall be construed as a solicitation for the purchase of insurance as The Captive Group is not a licensed insurance entity.