KEY FINANCIAL RESULTS

Calendar Year(s)

Gross Premium Income

Net Income (Loss)

Ultimate Loss Ratio*

7/1/2000 - 12/31/2012

$284,172,030

$18,093,261

50.97%

*Ultimate Loss Ratio = Undiscounted actuarial projected losses and Loss Adjustment
Expense/Gross Premium Income as of 12/31/2012.



RATING
Stonetrust Commercial Insurance Company is an admitted company, rated B++ (Good) by A.M. Best. According to A.M. Best, "Disciplined underwriting and the application of loss control initiatives have enabled the Company to deliver sound underwriting performance and positive operating cash flows while improving the internal infrastructure to support future growth," and "the Company’s solid capitalization also reflects a conservative investment strategy and low reinsurance utilization."


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