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Sunday, February 06, 2000     Page: 1D

THEN (1983): Seven employees Initial investment of $1 million One workers’
compensation policyholder Located in one building Business focused on
workers’ compensation insurance

Now:
   
250 employees
    $54 million surplus
   
More than 20,000 policyholders
   
Located in four different buildings in downtown
   
Expanding into financial services, including GUARD Security Bank, a $7
million “virtual” bank that allows customers to bank online