A Message from Tower Group Companies

Message from Tower Group Companies (5/9/14)To our Valued Business Partners:You may see a write-up by A.M. Best that announces a further decrease in the financial strength ratings for the Tower Pool. We were disappointed in this reaction. We have worked diligently with you to keep you informed of the merger progress, and we believe that the merger agreement amendment we announced on Thursday, May 8, represents a positive development. Your business continues to be supported by cut-through reinsurance agreements with ACP Re’s affiliated companies, AmTrust and National General. You also have available to you the expanded capabilities of Tower Risk Management Corp., which enable our underwriters to quote and bind Middle Market and Small Commercial business  for you with “A” rated AmTrust-affiliated insurers.We continue to work with AmTrust and National General on the smooth transition and effective servicing of your business with us, and we have been encouraged by their willingness to work shoulder to shoulder with us to ensure that your business needs are met in an effective and efficient manner. We are proud to provide additional protection for your business in the form of the cut-through reinsurance and direct MGA placement agreements that we have with National General and AmTrust.Thank you for your continued support.Bruce W. Sanderson                                      Gregory A. MeyerSenior Vice President                                     Senior Vice PresidentCommercial Lines Executive                           Personal Lines Executive