ROAE over 20% each of past two years TTM underlying combined ratio of 80.2% Strong Financial Results.YTD 6/30/14 results: revenue growth 45.7% and earnings growth of 136.8%.Profitable in 14 of 15 years since inception.Diversification accelerating with ~67% of all new policies coming from outside FL Execution.Developed and implementing unique product and pricing philosophy (UPC 1.0).Nine new licenses received in past 2 years now licensed or have applications pending in 17 of 18 target markets.Conservative reserving philosophy Conservatively Capitalized.Internal capital augmented by $1.1 billion of reinsurance.Strong balance sheet with ample equity & liquidity – minimal financial leverage & investment risk.Added Legal, Actuarial, Sales and Underwriting talent in 2014 to support growth Premier Leadership Team.Augmenting strong foundation of tenured associates with new national experience.

Stability and continuity at the Board & Sr.8th in Florida & 36th nationally in home premium with production in only 7 states Huge Market Opportunity.Small market share needed to generate significant premium growth & volume.Significant, permanent dislocation/lack of capacity in windstorm exposed markets.Anti-fragility demonstrated during 16 different catastrophe events since 1999 Deep Experience.Cumulative written premiums since inception $2.2 billion cumulative claims paid over $1 billion.Proven leader in the world’s peak exposure zone for hurricane risk.

Hk960m x.d. taptap