Affirmative Insurance Holdings, Inc.

Affirmative Insurance Holdings, Inc., headquartered in Addison, Texas, was incorporated in 1998 and completed an initial public offering of its common stock in July 2004. We are a growing producer and provider of non-standard personal automobile insurance policies to individual consumers in highly targeted geographic markets. Non-standard personal automobile insurance policies provide coverage to drivers who find it difficult to obtain insurance from standard insurance companies due to their lack of prior insurance, age, driving record, limited financial resources or other factors. Nonstandard personal automobile insurance policies generally require higher premiums than standard policies for comparable coverage. We currently offer our products and services in 13 states, including Texas, Illinois, California and Florida. Based upon information from A.M.