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Dear Valued Topa Producer,

Topa Insurance Group is pleased to announce that our AM Best A- rating has been affirmed for both Topa Insurance Company and Dorchester Insurance Company. According to AM Best, "the affirmation of the rating is based on Topa's strong capitalization, favorable net investment income results and local market presence." While Dorchester Insurance Company's outlook remains stable, Topa Insurance Company has been assigned a negative outlook due to underwriting performance over the past five years. Topa's capital position remains very strong and is further bolstered by the commitment we enjoy from our parent, Topa Equities.

I want to personally assure you that we are dedicated to delivering high quality insurance products and superior service. My outlook for Topa is positive. I believe we have the right management team in place, highly engaged employees working hard every day, and support from our ownership to get us to the next level. Our capital position remains strong and our A- rating has been affirmed. I am excited and confident about the future of Topa and look forward to your continued support. Please call me or any of our insurance professionals directly if you have any questions, comments or concerns.

Regards,

John E. Donahue
President & CEO
Topa Insurance Group
1800 Avenue of the Stars
Suite 1200
Los Angeles, CA 90067

Cell (707) 483-5798
Direct Line (310) 556-2540