Affirmative Insurance Holdings announced the acquisition of USAgencies

OPERATOR: Good morning, ladies and gentlemen, and welcome on Affirmative Insurance Holdings announced the acquisition of USAgencies conference call. My name is Shanique and I will convey your coordinator for today. At that time, all participants are in the lists-only mode. We will facilitate a question and answer at the end of the session of the conference. (OPERATOR INSTRUCTIONS) We remind you that this conference is being recorded for the purposes of Replay.

Let me now submitting your host for the conference call today, Mr. Kevin Callahan, Chairman and Chief Executive Officer. Thank you.

Kevin Callahan, Chairman and CEO positive INSURANCE HOLDINGS: thank you very much. We are very pleased to announce that Affirmative Insurance Holdings has a definitive agreement for the adoption of USAgencies, an irregularly shaped Automobile Insurance Company which is headquartered in Baton Rouge, Louisiana. This acquisition is positive with the dominant element of the automobile market share is not in LA, the 12 largest state, if not self-assurance.

Founded just 11 years, grew rapidly in the fifth USAgencies auto insurance in Louisiana. Today, approximately 440 employees and 92 distribution offices in Louisiana, Illinois, and Alabama. The only non-auto insurance, it sells its products directly to consumers via the possession and retail shops, a virtual call center, and its own website.

Between 2001 and 2005, has increased its USAgencies direct written premium of $ 57.4 million to $ 157.3 million or 28% per annum. In 2005, the policy of Louisiana accounted for 92.8% of total premium income taxes included direct USAgencies policy. Given that the company currently produces approximately 70% of the premium written, net premiums earned for the year 2005 were $ 44.2 million, total revenues were slightly over $ 79 million, of whom 12 , 3 million insurance policies and other charges; $ 19.7 million to finance the interest and royalties, and $ 3.4 million on capital income are included in the price.

Loss of profits and loss adjustment cost of $ 32.9 million in 2005, nearly 75% of premiums earned. The agreement provides for a purchase price of approximately USD 200 million, and we expect to finance the purchase price of debt and money. We assume that this acquisition is accretive contribution to the result of year 2007.

This acquisition will bring us closer to our goal of building a dominant position irregularly shaped free auto insurance. We have a unique opportunity to occupation shortcoming in the conduct of this market, now composed of hundreds of small businesses. With the completion of the scale, we believe we will be able to earn a significant competitive advantage, the most important will be to our customers more value than any other competitor at attractive prices.

Affirmative on the proposed takeover of USAgencies be subjected to regulatory and other legal review. We expect a positive result expected, and the purchase within 90 to 120 days.

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