Depopulation Package Prepared by FAIA. American Integrity Insurance Co. of Florida

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1 Depopulation Package Prepared by FAIA American Integrity Insurance Co. of Florida 9/25/2012

2 Coverage Description Citizens Multi-Peril Policy American Integrity Insurance Company (AIIC) Comments or Explanations Building Coverage Coverage Type Special Special Loss Settlement Replacement Cost Replacement Cost Are pool cages, porches, carports and fences covered under Coverage A? (ACV initially, then we will pay any remaining amounts necessary to perform such repairs as work is performed and expense are incurred) are aluminum framed or not covered by the same or substantially the same materials as that part of the primary dwelling are not covered. Patios that have a roof covering of the same or substantially the same materials as that (ACV initially, then we will pay any remaining amounts necessary to perform such repairs as work is performed and expense are incurred) aluminum framed or not covered by the same or substantially the same materials as that part of the primary dwelling are not covered. Patios that have a roof covering of the same or substantially the same materials as that of the primary dwelling are Other Structures Coverage Coverage Type Special Special Percentage of Other Structures Aid provides 10% Coverage B. 10% included. Can Increase up to 70% Coverage 2% standard; Options 0, 5% and 10% Buildings at Replacement Cost; Can Increase up to 70% Loss Settlement Structures that are not Buildings are at Replacement Cost ACV Structures that are not buildings are settled at ACV not covered; certain other carports with covered; certain other carports with roof Are pool cages, porches, carports roof covering not substantially the same covering not substantially the same as the and fences covered under as the primary structure are not covered; primary structure are not covered; fences Coverage B? fences are covered at ACV are covered at ACV Contents Coverage Coverage Type Broad Broad Percentage of Building Coverage 25% Standard; Coverage available up to AIIC offers 50% as the 50% of Coverage A included 50% Standard Coverage C limit Loss Settlement ACV, Replacement cost available ACV, Replacement Cost available Personal Property Off Premises Covered (limited to 10% if located at an Covered (limited to 10% if located at an "insureds" residence other than the "insureds" residence other than the Loss of Use Coverage Percentage of Building Coverage 10% 10% Time Limit. 24 months 24 months

3 Liability Available Limits $100,000 Up to $300,000 available AIIC offers up to $300,000 Medical Payments Available Limits $2,000 2,000 Extra Coverage Ordinance or Law Limit 25% or 50% of Coverage A 25% Included; 50% available Fungi, Wet or Dry Rot, Yeast or Bacteria $10,000 Property Limit; $50,000 Liability Limit Policy includes $10,000 Property Limit/ $50,000 Liability Limit AIIC offers increased Section I - Property Limits: $25k & $50k and Section II - Liability Limit: AIIC offers increased limits of $2,000 or $3,000 $1,000 $1,000 Included Loss Assessment Covered (Up to 5% of Coverage A; Covered (Up to 5% of Coverage A; Debris Removal Limit Additional limit available if Coverage A is Additional limit available if Coverage A is Tree Removal Limit $500 $500 Business Property Coverage Limit $2,500 on premises; $250 off premises $2,500 on premises; $250 off premises Food Spoilage Limit $500 $500 Covered only when damage is caused by Covered only when damage is caused by a Lock Replacement a covered peril covered peril t available t available Water Backup, Sewer and Drains Electronic Data Restoration t available t available Special Limits of Liability Money, Coins and Medals $200 $200 Securities and Collectable Stamps $1,000 $1,000 Trailers $1,000 $1,000 Watercraft $1,000 $1,000 Jewelry $1000 for theft $1,000 for loss by theft Furs $1,000 for theft (combined Jewelry and $1,000 for theft (combined Jewelry and Fur) Silverware $2500 for theft $2500 for theft Guns $2000 for theft $2000 for theft Grave Markers not available t available Miscellaneous Coverage

4 Is Scheduled Personal Property available? Same as Citizen Are pool cages, porches, carports and fences covered? Limited Limited Same as Citizen Docks &/or Boathouses, Structures that are not buildings are Structures that are not buildings are Structures over water? covered at ACV, buildings are covered at covered at ACV, buildings are covered at Same as Citizen Theft Coverage away from Premises t available t available Same as Citizen Watercraft Liability Limited Limited Same as Citizen Liability extension to other owned locations t available t available Same as Citizen Business Pursuits Liability Coverage t available t available Same as Citizen Animal Liability Excluded Excluded Same as Citizen Is Personal Property outside a fully enclosed building covered?, with limitation, with limitation Same as Citizen Exterior Paint and Waterproofing Material Limited, excluded entirely in specific coastal territories Limited, excluded entirely in specific coastal territories Same as Citizen Assessment Potential Assessments and Surcharges Up to 45% After the Citizens policyholders 45% After the Citizens policyholders

5 Amer Integrity Ins Co. of FL (12841) 7650 West Courtney Campbell Causeway Suite (813) Corporate Data Ratings Information Balance Sheet ($000) 2012L2 2011Y 2010Y 2009Y Income Statement ($000) 2012L2 2011Y 2010Y 2009Y SNL Group Name NAIC Company Code Agency Rating Last Reviewed Assets Underwriting Income Parent Name American Integrity Insurance Group, LLC AM Best Net Adm Bonds 79,564 79,603 74,565 73,837 Premiums Earned 59,665 60,328 53,047 61,205 Tax Identification Number S&P Net Adm Preferred Stock Loss & Loss Adj Expense 38,074 37,213 39,675 37,242 NAIC Filer Type P&C Fitch Ratings Net Adm Common Stock Other Underwriting Exp Incurred 22,242 22,222 22,849 23,269 NAIC Ownership Structure Stock Company Moody's Mortgage Loans Agg Write-Ins for Underwriting Deductions Real Estate Net Underwriting Gains , Business Profile Officers Net Adm Contract Loans & Premium tes Dividends To Policyholders Business Focus Personal Lines Focus Chief Executive Officer Robert Craig Ritchie Net Adm Cash, Cash Equivalents, Short-Term Inv 27,633 18,755 17,734 7,759 Geographic Focus Regional - Southern Quadrant Chief Financial Officer Other Investments Investment Income Operating Status Current President Robert Craig Ritchie Net Adm Cash & Invested Assets 107,198 99,058 92,419 81,596 Net Investment Income Earned Auditor Thomas Howell Ferguson PA Stat Statement Contact Robert Craig Ritchie Premiums & Considerations Due 9,237 7,341 6,317 7,896 Investment Income Growth % Actuary Christopher Gross Cnsltg Inc. Reinsurance Recoverable 1,085 1, Net Realized Capital Gains Less Taxes Distribution Channel General Agnt/Managing General Agnt, Independent Net Adm Receivables from Affiliates 0 0 1,120 0 Agency Other Admitted Assets 1,945 1,467 3,626 3,841 Net/Operating Income Net Admitted Assets 119, , ,444 93,360 Finance & Svc Chrgs Other than Premiums DPW by LOB LTM Q2 Geographic Distribution LTM Q2 All Other Income Liabilities Net Inc Before Inc Tax; After CG Tax, P Div -10 1,585-8,678 2,308 Unpaid Losses 13,118 12,129 12,881 10,513 Federal & Foreign Income Taxes , Unpaid Loss Adj Expenses 4,247 4,102 5,812 3,838 Net Income -54 1,542-7,526 2,797 Homeowner, Farmowner : 67.0% Loss & Loss Adj Exp Reserves 17,364 16,231 18,692 14,351 Pre-Tax Operating Income ,172-8,953 1,544 Unearned Premiums 7,645 34,940 37,029 30,184 Fire & Allied Cmbnd : 33.0% Total Reinsurance Liabilities 62,046 23,695 18,408 16,975 Surplus Account Commissions, Other Exp & Taxes Due & Accrued 637 1, Capital & Surplus, Beginning of Period 23,910 22,743 26,318 24,118 Southeast : 100.0% Payable to Parent, Subs & Affiliates 756 3, Net Income -54 1,542-7,526 2,797 Other Liabilities 7,991 6,119 6,905 4,017 Net Chg in Unrlzd Capital Gains Less Taxes Liabilities 96,439 85,510 81,701 67,041 Change in Surplus tes ,544 0 Capital Chgs & Surplus Adj 0 0 2,250 0 Equity Dividends To Stockholders Common Capital Stock Liability All Other Chgs in Surplus Preferred Capital Stock Liability Surplus as Regards Policyholders 23,026 23,530 22,743 26,318 **(Combined) companies' data only available on annual basis. Surplus tes 8,926 9,132 9,544 7,000 Return Measures (%) 2011Y 2010Y 2009Y 2008Y Unassigned Funds ,051 5,735 Underwriting Analysis ($000) Return on Assets Other Including Gross Contributed 14,249 14,249 14,249 13,582 Return on Equity Surplus as Regards Policyholders 23,026 23,530 22,743 26,318 Premiums Pre-tax Operating ROAE Gross Premiums Written NA 120, ,664 99,545 Total Investment Yield PHS Sensitivity as of 2012L2 (US $M) Gross Premiums Written Growth (%) NA PHS 15% Reinsurance Unrecoverable 15% Fall in Stock Value Direct Premiums Written 128, , ,056 95,483 Investment Securities Detail ($000) Direct Premiums Written Growth (%) % Adverse Development Loss Reserves Market Value of Bonds (YE) Net Adm Cash & Invested Assets (Amortized Cost) 99,058 92,419 81,596 79,473 Net Premiums Written 55,941 58,239 59,892 50,474 Affiliated Investments Net Premiums Written Growth (%) Bonds/ Unaffiliated Invstmts (%) Retention Ratio (%) NA Preferred Stocks/ Unaffiliated Invstmts (%) Common Stocks/ Unaffiliated Invstmts (%) Profitability % Cash & Short-Term/ Unaffiliated Invstmts (%) Underwriting Yield 22.0 Loss Ratio Net Yield on Invested Assets (%) Loss Adj Expense Ratio Gross Yield on Bonds, excl Aff (%) Loss & LAE Ratio Gross Yield on Preferred Stock, excl Aff (%) NA NA NA NA 21.0 Expenses (NPW) Gross Yield on Common Stock, excl Aff (%) NA NA NA NA 20.5 Net Commission Ratio NA Credit Analysis Salaries & Benefits Ratio NA Bonds: Fair Value as % of Carrying Value Tax, License & Fees Ratio NA Bonds: Weighted Avg Ratings by Bond Charact Admin & Other Exp Ratio NA Bonds: n-investment Grade (as a % of C&S) Expense Ratio Bonds Industrial & Misc: RMBS Capital and Liquidity Policyholder Dividend Ratio Bonds Industrial & Misc: CMBS RBC - Total Adjusted Capital NA 23,530 22,743 26,318 Total Bonds Industrial & Misc: Other Loan- Backed ACL Risk Based Capital NA 7,319 7,499 8,106 Combined Ratio Risk Based Capital Ratio (TAC/ACL RBC) (%) NA Combined Ratio, excl PHD Reserve Analysis (%) Affiliated Investments / PHS (%) Operating Ratio Yr Loss Reserve Development / NPE Total Reins Recoverable Excl US Affiliates / PHS (%) NA Yr Loss Reserve Dev / 1Y Prior PHS Cash & Short-Term Investments / Liabilities (%) Underwriting Profitability (%) Expense Ratio Loss & LAE Ratio Combined Ratio 2 Yr Loss Reserve Dev / 2Y Prior PHS Total Liabilities/Liquid Assets (IRIS Ratio) (%) Change in Loss and LAE Reserves / Reserves Loss and LAE Reserves / NPE Leverage % IBNR/ Total Reserves Growth in PHS Reserves/ Equity GPW to PHS NA Personal: Loss & Loss Adj Exp Reserves ($000) 10,731 12,811 10,467 9,763 NPW to PHS Comm'l: Loss & Loss Adj Exp Reserves ($000) 5,499 5,882 3,883 5,075 Total Liabilities to PHS Cmbnd A&H: Loss & Loss Adj Exp Reserves ($000) Loss & LAE Reserves to PHS Net Leverage Reinsurance Analysis (%) Inv. Income / Pre-tax operating income Retention Ratio (NPW/GPW) Reinsurance Recoverable ex US Affiliates ($000) 6,051 7,757 5,930 10,025 Cash Flow Total Net Reinsurance Recoverable ($000) 6,070 7,760 6,194 10,319 Net Cash from Operations 14,688 2,996 5, Unauthorized Net Recov. (exc US Affiliates) ($000) (1,424) (75) (664) 4,825 Net Cash from Financing -1,100 2,943 5,188 1,253 >120 Days Overdue Re Recoverable/ PHS (exc US A Net Cash from Investing -4,866-4, , Y 2010Y 2011Y 2012L2 naffiliated Reinsurance Assumed / GPW (0.15) Total Net Change in Cash 8,723 1,022 9,975-22,986 *L2 = Last Twelve Months Q2 Source: SNL Financial LC

6 Page 5 of 82 American Integrity Insurance Company of Florida 7650 W Courtney Campbell Causeway, Ste 1200 Tampa, FL (813) Questions: Response Comments Florida Domestic Homeowners Carrier (please insert carrier's name 1 in space below): 2 Can policies be rated on-line? 3 Does the carrier participate in agency downloads? American Integrity Insurance Company of Florida 4 Does the carrier participate in direct bill commission download? Does the carrier participate in direct deposit of commissions and 5 ACH transactions? 6 Is direct deposit of commissions required? 7 Is ACH of premium payment required? 8 Does the carrier have a consumer portal? 9 Is the customer portal view only? 10 Can a consumer self-rate a policy in the portal? 11 Can consumers transact change requests through the portal? 12 Can consumers download declarations from the portal? 13 Can consumers process payments through the portal? 14 Does the company website have a Find An Agent section? 15 Can an agent process all endorsements on the company website? 16 If not, can an agent process premium bearing endorsements? 17 If not, can an agent process non-premium bearing endorsements? 18 Does the agent get confirmation of endorsements? 19 Can an agent print a new declaration page in real time? 20 Can an agent access payment history on line in real time? 21 How can a claim be filed? (select all that apply) Online by the agent? Online by the consumer? By ? By phone? By fax? When an agent calls regarding a claim, is he speaking to a Company 22 Employee? 23 Does the company participate in claims download? 24 Does the company use an MGA for claims? 25 Who is the Company MGA? 26 Is the MGA wholly owned by the company? 27 Does the MGA use outsourced services? 28 Does the Company use an MGA for functions other than claims? 29 Who is the Company MGA? 30 Is the MGA wholly owned by the company? 31 Does the MGA use outsourced services? 32 Is your policy processing done in-house or through a wholly owned MGA subsidiary? In-House Wholly Owned 33 Does the company do Underwriting in-house, either by the company or its owned MGA? American Integrity Claims Service American Integrity MGA

7 Page 6 of Questions: Response Comments Does the company do Policy Service in-house, either by the company or its owned MGA? 35 Does the company pay commission on gross premium for all agents? (not including assessment, fees and taxes) 36 Does the company pay commission to all agents on non-wind premium? 37 Does the company pay commissions based, in part, on geographic location of risk? 38 Does the company pay commissions based on geographic location of agency? 39 Does the company download Direct Bill Commissions? 40 Does the company pay commissions as earned? 41 Does the company pay commissions annualized? 42 Does the company have any form of bonus or contingency compensation beyond commission? 43 Does the company sell only through independent insurance agencies? 44 Does the company write direct (sell direct to the consumer) for any portion of its business? 45 Does the Agency contract circumvent the corporate veil by holding individuals personally liable for wrong doing? Does the agency contract contain language dealing with either indemnification or hold-harmless agreements between the parties? Is the indemnity or hold harmless clause one-way (favors only one party) or two-way (favors both parties depending on fault)? One-Way Two-Way Does the agency contract recognize complete ownership and 48 control of expirations by the agent? Is the ownership of expirations restricted to the term of the 49 contract? Does cancellation or termination of an agency affect ownership of 50 expirations? 51 How long is the notice period for termination with cause? 52 How long is the notice period for termination without cause? 53 Does the company have a records retention requirement? 54 Does the company permit electronic records retention? 55 Does the company require underwriting inspections of any type prior to issuing a policy (i.e. 4-point, sinkhole, wind mitigation)? 56 How are inspections performed? (select all that apply) By the carrier? By the agency? By a third party? 57 Are 4-point photos required at submission? Does the company require sinkhole inspections prior to providing 58 coverage for sinkholes? 59 Are Wind Mitigation Inspections required? 60 Are wind mitigation re-inspections required if the initial inspection is done by an inspector acceptable to the company? 61 Are applications uploaded to the company website? Immediate upon cancellation, suspension or revocation of Agent's License 45 Days

8 Page 7 of 82 Questions: Response Comments 62 Does the company require the agent to maintain client records? 63 How long must records be retained? 64 Does the company permit the agent to maintain paperless records? 65 Carrier practices vary regarding the application of premium credits (i.e wind mitigation) with the agents ability to bind. Some, for example, may allow a quote including wind mitigation credit, but don't allow binding without an inspection. Do you allow agents to bind policies with all discounts applied? Seven Years 66 If so, what forms are required to do so? (new Mit form, old mit form, company inspection, prior dec page, etc.) 67 What is the time allowed for document submission after binding? 68 Do you subscribe or are you compatible with an agency rating system? 69 Do you have a single website for rating and for servicing existing policies? 70 Does your system generate proof of website request (evidence of the request)? 71 Does every contracted agent have on-line capabilities to transact business? 72 Is your website encrypted? 73 Do you allow AOR s? 74 How long before renewal do you require AOR? 75 Can payments be uploaded? 76 How can payments be uploaded? (select all that apply) From Insured Checking Account? From Insured Credit Card? From Agency Account? 77 Are Dec pages and pol docs physically mailed? 78 Are Dec pages and policy documents ed? 79 If ed, is a PDF attached? 80 Does the contain a link to a website where the document can be obtained? 81 Is the simply a notification that a change was made? 10 Days 60 Days 82 Is the agent required to pull documents and dec pages from the carrier site daily? Are declarations and policy changes sent to the agency in batches 83 or are declarations and policy changes sent to the agent individually? Batches? Individually? 84 Does the agent have a choice of batch or individually sent declarations? 85 Is customer copy sent directly to customer or only to the agent for delivery to the client? Directly to the customer? Only to the agent? 86 How many days are quotes valid? 87 How far in advance can a quote be bound? 88 Does individual risk profitability weigh into whether you write a policy? 89 Do you have assigned underwriters for an agency? 10 Days 60 Days

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