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Disclaimer
THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. XL Group plc ("XL" or the "Company") and its related, affiliated and subsidiary companies disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

In no event shall XL Group plc and its related, affiliated and subsidiary companies, be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

Licenses and Regulatory Information:
The XL Group insurance, reinsurance and financial products and services companies are licensed or otherwise approved to transact business in various countries and various states of the United States. All Products and Services referred to are subject to underwriting requirements. Certain products and services described on this web site are not available to all users due to insurance regulatory restrictions, the availability varies by global jurisdiction.

For U.S. issued insurance policies:
"XL Insurance" is a registered trademark of XL Group plc. XL Insurance is the global brand used by XL Group plc's insurance companies. In the US, the XL Insurance companies are: Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Insurance Company of New York, Inc., XL Select Insurance Company, and XL Specialty Insurance Company. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions. The information contained herein is intended for informational purposes only. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy forms for specific coverage details.

Underwriters at Lloyd's, London ("Underwriters") are licensed only in Kentucky, Illinois, and the US Virgin Islands, but are approved surplus lines insurers in all other US jurisdictions. Insurance policies issued by Underwriters are not protected or guaranteed by state insurance guaranty associations or insolvency funds.

Coverage is available only through licensed surplus lines brokers or you may approach us directly, subject to the limitations of the laws of your state. Persons or companies that do so directly need to make themselves familiar with state laws governing the placement of insurance risks with non-admitted insurers. A number of jurisdictions have Industrial Insured Exemptions or Large Commercial Insured Exemptions, which govern direct placements. Typically, these require an insured to have a full-time insurance risk manager or a continuously retained insurance consultant and a minimum number of employees and amount of annual premium.

In many jurisdictions, direct and/or industrial insured placements are subject to reporting and taxation requirements. Generally, such reporting and taxation are the responsibility of the insured.

Because insurance laws governing surplus lines and direct and industrial insured placements vary among the jurisdictions with regard to the requirements and obligations of the insured and any broker or consultant involved, a careful review of your jurisdiction's laws should be made before deciding which procedure is best for you.

Please click on the link below to see where Underwriters at Lloyd's, London, are licensed.

http://www.lloyds.com

Hyperlinks
XL Group plc cannot guarantee that the hyperlinks set out on our website will be accurate at the time of your access. Moreover, the websites pointed at by Hyperlinks are developed and possibly maintained by person(s) over whom XL Group plc has no control. We cannot and do not monitor the websites linked to our pages on the Internet. Accordingly, XL Group plc assumes no responsibility for the content of any website referenced to by any Hyperlink or otherwise. XL Group plc believes that its making available Hyperlinks to publicly accessible Web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Intellectual Property
All intellectual property rights including copyright, database rights and first publication rights, patents, registered trade marks and know-how in this website and in the content published on this website, unless otherwise indicated, are owned either by XL Group plc, its related, affiliated and subsidiary companies or made available to us under license by third parties. This website and all content published on this website, unless otherwise indicated, is protected by copyright. All trade marks and devices displayed on this website, unless otherwise indicated, are owned by XL Group plc and/or our licensors, and may be registered in jurisdictions across the world. Save as provided below, any use or reproduction of these trade marks and/or devices is prohibited.

Subject to any prohibitions stated in third party websites accessible via hyperlinks in the website over which we have no control whatsoever, you may view the content published on this website and you are welcome to print hard copies of material on it for your personal or internal business purposes. You will also be entitled to download certain files from this website made available for this purpose, which you may then use for your personal or internal business purposes. All other copying is strictly prohibited.

Terms for XL Group RSS feeds
Subject to the disclaimers in these "Legal Notices", you may use the RSS feeds from our web sites. Furthermore, the contents of our Web sites are protected by the relevant copyright laws and international copyright treaties and all title, ownership and intellectual property rights remain the property of the XL Group companies ("XL Group"). We require proper attribution whenever you use contents from an XL Group web site on your web site. We may restrict, modify, suspend, or terminate your access to these feeds, in whole or in part, at any time without liability. We reserve the right to ask that you remove contents in your web site that were derived, copied or otherwise adapted from any XL Group web site.

Security
You should be aware that the Internet, being an open network, is not secure. If you choose to send any electronic communications to us by means of this website (whether by means of email or posted messages on the website), you do so at your own risk. XL Group plc cannot guarantee that such communications will not be intercepted or changed or that they will reach the intended recipient safely.

XL Group plc will use all reasonable endeavours to ensure that this website is reasonably secure. However, we cannot guarantee that any information displayed on this website has not been interfered with without our consent.

Forward Looking Statements
This website may contain forward-looking statements. Such statements are based on current plans, estimates and expectations. Actual results may differ materially from those projected in such forward-looking statements. Accordingly, forward-looking statements involve inherent risks and uncertainties, and a number of factors could cause actual results to differ materially from those contained in any forward-looking statement. Such factors include, but are not limited to the following: (a) changes in market conditions may have a material adverse effect on XL's business strategy; (b) increased competition may have a material adverse effect on XL's results of operations and financial conditions; (c) claims and losses may be greater in severity and frequency than XL's underwriting methodologies contemplate; (d) losses may develop faster than the Company's underwriting, reserving and investment practices anticipate based on historical experience; (e) developments in the world's financial and capital markets may have an adverse affect on the performance of the Company's investment portfolio; (f) changes in regulation or tax laws applicable to the Company, its subsidiaries brokers or customers may adversely affect the Company's results of operations; (g) new products and services may not produce revenues at expected levels; (h) changes in the availability or cost of reinsurance may adversely affect the (operating) results of certain business segments; (i) changes in the distribution or placement of risks due to increased consolidation in the brokerage industry through which the Company's subsidiaries derive a substantial portion of their business; and (j) mergers, acquisitions and divestitures may have a material impact on the Company's financial performance. XL Group plc undertakes no duty to update publicly any forward-looking statements contained here-in in light of new information or future developments.

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Updated: June 30, 2010