EGI Financial Holdings Inc.

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Corporate Profile

Through our subsidiaries, Echelon General Insurance Company and American Colonial Insurance Company, EGI Financial Holdings provides a comprehensive, specialized insurance product offering including:

EGI Financial Holdings Inc.
2010 Annual Report

76% Personal Lines Division 24% Niche Products Division

	76% of 2010 earned premiums:	24% of 2010 earned premiums:
	- Non-standard auto and related products	- Higher premium property insurance
	- Driving history includes claims and convictions	- Primary and excess liability coverage
	- Individual risk assessment	- Legal expense insurance
	- Estimated 8% to 10% of licensed drivers	- Accident and health insurance
	- Focus on “reformers” not “repeaters”	- Extended warranty programs for homes and consumer purchases
	- Alternative to Facility insurance (Groupement in Quebec)	- Specialized coverage, such as business interruption insurance, indepent truckers
	- Few competitors = pricing power
<1% International Division
	<1% of 2010 earned premiums:
	- Personal lines
	- Primarily non-standard auto