Notice to all United States viewers: Commercial Risk Reinsurance Company Limited ("CRB") is not licensed to transact insurance business in any United States jurisdiction. CRB's business in the United States is restricted to reinsurance business and business that is purchased directly from CRB in Bermuda. Commercial Risk Re-Insurance Company ("CRA") is not licensed to transact insurance business in any United States jurisdiction except Vermont. CRA's business in the United States is restricted to states where CRA is an accredited reinsurer, qualified as an excess or surplus lines insurer, or applicable statutes otherwise permit.