Generations Captive Overview Generations Group LTD Overview Membership

Generations Captive Overview

Generations Group, LTD. Overview Membership • • • 26 Policyholders based in NC, SC, VA, FL, OH & PA Exposures in 43 States Combined Sales exceeding $1. 5 Billion Performance • • • Written Premium $12, 448, 944 (2010 -11) Cumulative Return on Investment 46. 5% Cumulative Loss Ratio (8 years) 39. 3% 16 of 26 Members have Loss Ratio less than 25% 22 industries represented (Heterogeneous captive) Security • • KPMG Audited Financial Performance Zurich N. A. is the policy issuing company (A+ Rating) Zurich is the reinsurance company (A+ Rating) Reinsurance $350, 000 to $1, 000 per Claim

2014 -2015 Membership • • • • ADM Ventures Allen Industries Biscuitville Brame Specialty Caddie Master Carolina Eastern, Inc. Dayton Parts Dunn Automotive Dougherty Equipment Environmental Air Systems Geneva LLC Hafele America IH Caffey • • • • James River Equipment Koury Corp Lanford Brothers MB-F Mickey Truck Bodies MSC Mt. Olive Pickle Co. N B Handy PVC Samet Corp Shamrock Environmental United Hospitality Virginia Waste Services

Coverages and Philosophy Coverages Available • Workers Compensation • General Liability • Commercial Automobile Philosophy • Take Control of Risk Management Profits • Customer Focused not Insurance Market Focused • Priority on “Risk” Profits and Results – Not Growth • Accountability for Claims and Safety Results • Integrity Driven Loss Funding • Scott Insurance Participation in Claims Funding Industries Served • Manufacturing • Retail • Restaurant Chains • Service • • High-Tech Wholesalers Real Estate Larger Professional Organizations

Captive Owner Profile • Annual Revenues of $25 to $300 Million • Workers Comp, Liability and Auto Premiums (or losses) from $250, 000 to $1, 500, 000 • “Best in Class” Members are Leaders in their Lndustry • Interested in Long-Term Risk Management Solution • Companies that are Financially Sound • Interested in and Committed to Managing Risk • Willing to Accept Strategic Levels of Risk for Reward