AMPRO
     (Americana Program Underwriters)

Americana Program Underwriters (AMPRO) is an American Wholesale Insurance Group company operating since 1978 from its headquarters in Camp Hill, Pennsylvania. AMPRO specializes in program/affinity management. The company administers over 15 programs and has underwriting authority and policy issuance capabilities for seven major carriers. Programs include:

* Underground Storage Tanks

* Public Entities

* Solid Waste Haulers

* Pizza Delivery Franchises

* Fast Food Delivery

* Private Schools

* Fire Sprinkler/Suppression Contractors

* Child Care Centers

* Warehouse Legal Liability

* Health Care Pollution

* Broadcast TV/Radio Stations

* Welding Distributors

Ben Francavilla, senior managing director, Target Markets' key AMPRO contact says, "What differentiates our group from others is three-fold:

1. Program Tenure: With our focus on results, our programs have exhibited longevity even in the face of volatile market conditions. Programs that were begun in the early 1980s are still vibrant today.

2. Underwriting Experience: Our combined underwriting staff expertise spans over 165 years of experience. In large part because of this successful track record, carriers continue to show faith in our capabilities.

3. Growth Trend: Since 2000, we have introduced four new programs and have grown our program premium base by 20% per year."

Francavilla continues, "We are committed to offering viable products to retailers while returning a profit to our carrier partners. That has always served us well."

Woodus K. Humphrey & Co. (WKH), also an American Wholesale Insurance Group company, has been operating since 1984 from its headquarters in Shreveport, Louisiana. WKH is a specialty managing general agent concentrating in the area of woodworking operations, primarily in the southeastern United States. With field offices in six locations, WKH has expertise that includes the following classes of business:

* Furniture Manufacturing

* Pallet Plants

* Sawmills

* Truss Manufacturing

* Wood Chip Mills

* Wood Treating Plants

* Retail/Wholesale Building Material Dealers

* Molding and Millwork Operations

According to Dick Chilvers, senior vice presi-dent, "retailers whose clients have woodworking operations have come to rely on our staff's 147 years of combined experience in underwriting and loss control. Because of our specialized expertise and proven results, we have attracted and retained working relationships with financially strong markets."

Chilvers continues, "While historically we have concentrated our efforts in the Southeast and Mid-Atlantic areas, we are currently expanding and invite inquiries from other parts of the country."

American Wholesale Insurance Group (AmWINS), the largest independently owned wholesale brokerage organization in the country, is dedicated to serving the needs of retail independent agents and brokers. Today, AmWINS produces insurance premiums in excess of $1.4 billion in P&C Brokerage, Specialty Underwriting, Group Benefits Brokerage and Custom Products & Services.

According to Gregg Calestini, chief marketing & sales officer, "Drawing on our 15 operating companies and over 25 locations, what sets us apart is our diversified network of skilled and seasoned product experts. Through their efforts and our promise delivery, we help retail agents solve their clients' insurance needs daily -- even in the toughest of market conditions." For more information, visit www.amwins.com.

To contact Americana Program Underwriters, call Ben Francavilla (717) 214-2800 or e-mail ben.francavilla@amwins.com. To contact Woodus K. Humphrey & Co., call Dick Chilvers (318) 865-2454 or e-mail dick.chilvers@amwins.com. To contact American Wholesale Insurance Group, call Gregg Calestini (704) 943-2004 or e-mail gregg.calestini@amwins.com. *

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