Harbor Insurance Company Earns Financial Stability Rating® of A, Exceptional

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Harbor Insurance Company has earned a Financial Stability Rating® (FSR) of A, Exceptional, from Demotech, Inc.

Harbor Insurance Company has earned a Financial Stability Rating® (FSR) of A, Exceptional, from Demotech, Inc.

This level of FSR is appropriate for insurers who possess an exceptional ability to maintain a positive surplus as regards policyholders, maintain liquidity of invested assets, quality reinsurance and acceptable financial leverage. FSRs summarize Demotech's opinion as to the financial stability of an insurer regardless of general economic conditions or the phase of the underwriting cycle. FSRs are based upon statutory insurance accounting principles prescribed or permitted by the National Association of Insurance Commissioners (NAIC). For more than a decade, FSRs of A or better have been accepted by the major participants in the secondary mortgage marketplace, including Fannie Mae, Freddie Mac and HUD.

Harbor Insurance Company is a wholly owned subsidiary of AHIC Acquisition Corporation. Harbor Insurance Company is organized under the laws of the State of Oklahoma as a stock property and casualty insurance company. The Company writes nonstandard automobile liability and physical damage coverage policies and motorcycle policies through over 500 Independent Insurance Agents. Harbor Insurance Company and Statewide General Agency are engaged in an exclusive Managing General Agency (MGA) agreement that allows the Agency to solicit and accept applications, issue and countersign policies, market the Company products throughout Oklahoma and collect and receive premiums in trust for the Company. Harbor Insurance Company also offers special risk auto coverage for individuals who may have had hardships regarding their driving experience.

Agency appointments can be coordinated by contacting Patrick Wilson at (800) 777-3818. For further information, please visit http://www.swgen.com.

About Demotech, Inc.:

Since 1985, Demotech, Inc., a Columbus, Ohio based financial analysis and actuarial services firm, has been serving the insurance industry, providing a wide range of services including pricing analysis, state filings assistance, Financial Stability Ratings® and support for other required regulatory reporting. Having worked with insurers of all sizes, Demotech possesses broad experience addressing actuarial and financial analysis issues, whether the issue is unique to a particular insurer or faced throughout the industry. Demotech was the first company to have its rating formally reviewed and accepted by Fannie Mae, Freddie Mac and HUD.

Visit http://www.demotech.com for more information.


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Joseph Petrelli
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