Revised Commercial Umbrella Rate and Rule Manual Approved in Pennsylvania and Delaware – 1/13/04

New Jersey Personal Lines Advanced Notice to Policyholders on Rate Filings Regulation Adopted – 1/09/04

Commercial Auto Mandatory Endorsement Revised in New Jersey – 1/07/04

Fungi / Mold Liability Exclusion Endorsement Approved for Personal Umbrella Liability Program – 1/06/04

Expedited Terrorism Filings Announced for Dwelling Program – 12/30/03

New Jersey Private Passenger Automobile Insurance Legislation Personal Injury Protection Revision Applicability – 12/12/03

Fungi / Mold Exclusion Added to Personal Excess Liability (Umbrella) Endorsement MPL 80 in New Jersey – 12/08/03

NJ Public Hearing on the Exportable List Announced – 12/05/03

Fungi / Mold Liability Exclusion and Sub-Limit Rates Filed for Commercial Lines in New Jersey – 11/05/03

Identity Theft Expense Coverage Approved in Delaware and Maryland – 10/29/03