92
COMBINED PROPERTY AND CASUALTY COMPANIES - ASSOCIATION EDITION *00070201020100100* COMBINED ANNUAL STATEMENT For the Year Ended December 31, 2010 of the Condition and Affairs of the THE TRAVELERS COMPANIES, INC. and its affiliated property and casualty insurers This annual statement contains combined data for the property and casualty insurance companies listed above, compiled in accordance with the NAIC instructions for the completion of annual statements. NAIC Group Code.....3548 NAIC Combined Company Code..... 00070 Mail Address One Tower Square Hartford CT 06183 (Street and Number) (City or Town, State and Zip Code) Statutory Statement Contact Michael J Doody 860-277-3966 (Name) (Area Code) (Telephone Number) NAMES OF COMPANIES INCLUDED IN THIS STATEMENT Name of Company NAIC Company Code State of Domicile American Equity Insurance Company 43117 AZ American Equity Specialty Insurance Company 10819 CT Athena Assurance Company 41769 CT Commercial Guaranty Insurance Company 38385 DE Discover Property & Casualty Insurance Company 36463 IL Discover Specialty Insurance Company 10213 IL Farmington Casualty Company 41483 CT Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto and Home Insurance Company 10647 FL First Trenton Indemnity Company 29930 CT Gulf Underwriters Insurance Company 42811 CT Northfield Insurance Company 27987 IA Northland Casualty Company 24031 CT Northland Insurance Company 24015 CT Select Insurance Company 22233 TX St. Paul Fire and Casualty Insurance Company 40967 WI St. Paul Fire and Marine Insurance Company 24767 CT St. Paul Guardian Insurance Company 24775 CT St. Paul Medical Liability Insurance Company 41750 CT St. Paul Mercury Insurance Company 24791 CT St. Paul Protective Insurance Company 19224 IL St. Paul Surplus Lines Insurance Company 30481 DE The Automobile Insurance Company of Hartford, Connecticut 19062 CT The Charter Oak Fire Insurance Company 25615 CT The Phoenix Insurance Company 25623 CT The Premier Insurance Company of Massachusetts 12850 MA The Standard Fire Insurance Company 19070 CT The Travelers Home and Marine Insurance Company 27998 CT The Travelers Indemnity Company 25658 CT The Travelers Indemnity Company of America 25666 CT The Travelers Indemnity Company of Connecticut 25682 CT The Travelers Lloyds Insurance Company 41262 TX TravCo Insurance Company 28188 CT Travelers Casualty and Surety Company 19038 CT Travelers Casualty and Surety Company of America 31194 CT Travelers Casualty Company of Connecticut 36170 CT Travelers Casualty Insurance Company of America 19046 CT Travelers Commercial Casualty Company 40282 CT Travelers Commercial Insurance Company 36137 CT Travelers Excess and Surplus Lines Company 29696 CT Travelers Lloyds of Texas Insurance Company 41564 TX Travelers Personal Insurance Company 38130 CT Travelers Personal Security Insurance Company 36145 CT Travelers Property Casualty Company of America 25674 CT Travelers Property Casualty Insurance Company 36161 CT United States Fidelity and Guaranty Company 25887 CT a. Is this an original filing? Yes [X] No [ ] b. If no, 1. State the amendment number 2. Date filed 3. Number of pages attached

*00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

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Page 1: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

COMBINED PROPERTY AND CASUALTY COMPANIES - ASSOCIATION EDITION

*00070201020100100*

COMBINED ANNUAL STATEMENTFor the Year Ended December 31, 2010

of the Condition and Affairs of the

THE TRAVELERS COMPANIES, INC.and its affiliated property and casualty insurers

This annual statement contains combined data for the property and casualty insurance companies listed above, compiled inaccordance with the NAIC instructions for the completion of annual statements.

NAIC Group Code.....3548 NAIC Combined Company Code..... 00070

Mail Address One Tower Square Hartford CT 06183 (Street and Number) (City or Town, State and Zip Code)

Statutory Statement Contact Michael J Doody 860-277-3966 (Name) (Area Code) (Telephone Number)

NAMES OF COMPANIES INCLUDED IN THIS STATEMENTName of Company NAIC Company Code State of Domicile

American Equity Insurance Company 43117 AZAmerican Equity Specialty Insurance Company 10819 CT

Athena Assurance Company 41769 CTCommercial Guaranty Insurance Company 38385 DE

Discover Property & Casualty Insurance Company 36463 ILDiscover Specialty Insurance Company 10213 IL

Farmington Casualty Company 41483 CTFidelity and Guaranty Insurance Company 35386 IA

Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WIFirst Floridian Auto and Home Insurance Company 10647 FL

First Trenton Indemnity Company 29930 CTGulf Underwriters Insurance Company 42811 CT

Northfield Insurance Company 27987 IANorthland Casualty Company 24031 CTNorthland Insurance Company 24015 CT

Select Insurance Company 22233 TXSt. Paul Fire and Casualty Insurance Company 40967 WISt. Paul Fire and Marine Insurance Company 24767 CT

St. Paul Guardian Insurance Company 24775 CTSt. Paul Medical Liability Insurance Company 41750 CT

St. Paul Mercury Insurance Company 24791 CTSt. Paul Protective Insurance Company 19224 IL

St. Paul Surplus Lines Insurance Company 30481 DEThe Automobile Insurance Company of Hartford, Connecticut 19062 CT

The Charter Oak Fire Insurance Company 25615 CTThe Phoenix Insurance Company 25623 CT

The Premier Insurance Company of Massachusetts 12850 MAThe Standard Fire Insurance Company 19070 CT

The Travelers Home and Marine Insurance Company 27998 CTThe Travelers Indemnity Company 25658 CT

The Travelers Indemnity Company of America 25666 CTThe Travelers Indemnity Company of Connecticut 25682 CT

The Travelers Lloyds Insurance Company 41262 TXTravCo Insurance Company 28188 CT

Travelers Casualty and Surety Company 19038 CTTravelers Casualty and Surety Company of America 31194 CT

Travelers Casualty Company of Connecticut 36170 CTTravelers Casualty Insurance Company of America 19046 CT

Travelers Commercial Casualty Company 40282 CTTravelers Commercial Insurance Company 36137 CT

Travelers Excess and Surplus Lines Company 29696 CTTravelers Lloyds of Texas Insurance Company 41564 TX

Travelers Personal Insurance Company 38130 CTTravelers Personal Security Insurance Company 36145 CTTravelers Property Casualty Company of America 25674 CTTravelers Property Casualty Insurance Company 36161 CT

United States Fidelity and Guaranty Company 25887 CT

a. Is this an original filing? Yes [X] No [ ]b. If no,

1. State the amendment number2. Date filed3. Number of pages attached

Page 2: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

2

ASSETSCurrent Year Prior Year

1 2 3 4Net Admitted

Nonadmitted Assets NetAssets Assets (Cols. 1 - 2) Admitted Assets

1. Bonds (Schedule D)................................................................................................................. ...........56,804,246,350 ..................................0 ...........56,804,246,350 ...........59,543,011,448

2. Stocks (Schedule D):

2.1 Preferred stocks............................................................................................................. ................155,778,866 ..................................0 ................155,778,866 ................174,086,203

2.2 Common stocks............................................................................................................. ................680,579,409 ..................47,936,442 ................632,642,967 .............1,630,528,472

3. Mortgage loans on real estate (Schedule B):

3.1 First liens........................................................................................................................ ..................79,107,777 ..................................0 ..................79,107,777 ..................92,726,944

3.2 Other than first liens....................................................................................................... ..................................0 ..................................0 ..................................0 ..................................0

4. Real estate (Schedule A):

4.1 Properties occupied by the company (less $............0encumbrances).............................................................................................................. ................278,910,889 ..................................0 ................278,910,889 ................281,208,919

4.2 Properties held for the production of income (less $............0encumbrances).............................................................................................................. ................603,027,931 ..................................0 ................603,027,931 ................624,733,237

4.3 Properties held for sale (less $..........0 encumbrances)................................................ ..................................0 ..................................0 ..................................0 ..................................0

5. Cash ($.....(523,046,809), Sch. E-Part 1), cash equivalents ($.....15,802,948,Sch. E-Part 2) and short-term investments ($.....1,609,915,215, Sch. DA)............................ .............1,102,671,354 ..................................0 .............1,102,671,354 .............1,364,015,205

6. Contract loans (including $..........0 premium notes)................................................................ ....................1,852,834 ....................1,852,834 ..................................0 ..................................0

7. Derivatives................................................................................................................................ ..................................0 ..................................0 ..................................0 ..................................0

8. Other invested assets (Schedule BA)...................................................................................... .............2,747,156,798 ................132,147,716 .............2,615,009,082 .............2,214,173,802

9. Receivables for securities........................................................................................................ ..................................0 ..................................0 ..................................0 .......................487,899

10. Securities lending reinvested collateral assets........................................................................ ................190,869,000 ..................................0 ................190,869,000 ..................................0

11. Aggregate write-ins for invested assets................................................................................... .................(16,536,847) ..................................0 .................(16,536,847) ..................................0

12. Subtotals, cash and invested assets (Lines 1 to 11)............................................................... ...........62,627,664,361 ................181,936,993 ...........62,445,727,368 ...........65,924,972,129

13. Title plants less $..........0 charged off (for Title insurers only)................................................. ..................................0 ..................................0 ..................................0 ..................................0

14. Investment income due and accrued....................................................................................... ................746,215,506 ..................................0 ................746,215,506 ................766,225,330

15. Premiums and considerations:

15.1 Uncollected premiums and agents' balances in course of collection........................... .............1,253,851,458 ................191,910,083 .............1,061,941,376 .............2,089,128,554

15.2 Deferred premiums, agents' balances and installments booked but deferredand not yet due (including $.....16,961,834 earned but unbilled premiums)................ .............3,927,837,098 ..................30,883,265 .............3,896,953,834 .............3,824,719,200

15.3 Accrued retrospective premiums................................................................................... ................197,713,645 ....................2,276,338 ................195,437,308 ................483,480,525

16. Reinsurance:

16.1 Amounts recoverable from reinsurers........................................................................... ................669,501,305 ..................................0 ................669,501,305 .............2,426,954,729

16.2 Funds held by or deposited with reinsured companies................................................ ..................33,280,092 ..................................0 ..................33,280,092 ..................36,272,196

16.3 Other amounts receivable under reinsurance contracts............................................... ..................................0 ..................................0 ..................................0 ..................................0

17. Amounts receivable relating to uninsured plans..................................................................... ..................................0 ..................................0 ..................................0 ..................................0

18.1 Current federal and foreign income tax recoverable and interest thereon............................. ..................................0 ..................................0 ..................................0 ..................28,371,108

18.2 Net deferred tax asset.............................................................................................................. .............2,521,937,366 ................955,494,252 .............1,566,443,114 .............1,603,095,841

19. Guaranty funds receivable or on deposit................................................................................. ..................20,918,346 ..................................0 ..................20,918,346 ..................29,665,918

20. Electronic data processing equipment and software.............................................................. ..................47,789,286 ..................................0 ..................47,789,286 ..................49,766,100

21. Furniture and equipment, including health care delivery assets ($..........0)........................... ................315,208,498 ................315,208,498 .................................(0) ..................................0

22. Net adjustment in assets and liabilities due to foreign exchange rates.................................. ....................2,378,027 ..................................0 ....................2,378,027 ....................4,161,407

23. Receivables from parent, subsidiaries and affiliates............................................................... ..................39,277,397 ..................................0 ..................39,277,397 ..................50,230,496

24. Health care ($..........0) and other amounts receivable............................................................ ..................................0 ..................................0 ..................................0 ..................................0

25. Aggregate write-ins for other than invested assets................................................................. .............1,477,628,184 ................859,612,652 ................618,015,532 ................625,556,142

26. Total assets excluding Separate Accounts, Segregated Accounts and ProtectedCell Accounts (Lines 12 to 25)................................................................................................. ...........73,881,200,569 .............2,537,322,080 ...........71,343,878,489 ...........77,942,599,675

27. From Separate Accounts, Segregated Accounts and Protected Cell Accounts..................... ..................................0 ..................................0 ..................................0 ..................................0

28. TOTALS (Lines 26 and 27)...................................................................................................... ...........73,881,200,569 .............2,537,322,080 ...........71,343,878,489 ...........77,942,599,675

DETAILS OF WRITE-INS

1101. Combined write-ins for Assets Line 11.................................................................................... .................(16,536,847) ..................................0 .................(16,536,847) ..................................0

1102. .................................................................................................................................................. ..................................... ..................................... ..................................... .....................................

1103. .................................................................................................................................................. ..................................... ..................................... ..................................... .....................................

1198. Summary of remaining write-ins for Line 11 from overflow page............................................ ..................................... ..................................... ..................................... .....................................

1199. Totals (Lines 0901 thru 1103 plus 1198) (Line 11 above)...................................................... .................(16,536,847) ..................................0 .................(16,536,847) ..................................0

2501. Combined write-ins for Assets Line 25.................................................................................... .............1,477,628,184 ................859,612,652 ................618,015,532 ................625,556,142

2502. .................................................................................................................................................. ..................................... ..................................... ..................................... .....................................

2503. .................................................................................................................................................. ..................................... ..................................... ..................................... .....................................

2598. Summary of remaining write-ins for Line 25 from overflow page............................................ ..................................... ..................................... ..................................... .....................................

2599. Totals (Lines 2501 thru 2503 plus 2598) (Line 25 above)...................................................... .............1,477,628,184 ................859,612,652 ................618,015,532 ................625,556,142

Page 3: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

3

LIABILITIES, SURPLUS AND OTHER FUNDS1 2

Current Year Prior Year

1. Losses (Part 2A, Line 35, Column 8)....................................................................................................................................................................... .........30,703,027,780 .........31,268,597,028

2. Reinsurance payable on paid loss and loss adjustment expenses (Schedule F, Part 1, Column 6)....................................................................... ..................9,050,151 ...........1,800,857,335

3. Loss adjustment expenses (Part 2A, Line 35, Column 9)........................................................................................................................................ ...........7,412,814,137 ...........7,544,651,516

4. Commissions payable, contingent commissions and other similar charges............................................................................................................ ..............571,620,282 ..............591,634,016

5. Other expenses (excluding taxes, licenses and fees).............................................................................................................................................. ..............510,310,105 ..............531,522,260

6. Taxes, licenses and fees (excluding federal and foreign income taxes).................................................................................................................. ..............424,466,308 ..............479,642,074

7.1 Current federal and foreign income taxes (including $.....(14,790,871) on realized capital gains (losses))............................................................. ................30,692,022 ...............................(0)

7.2 Net deferred tax liability............................................................................................................................................................................................ ................................0 ................................0

8. Borrowed money $.....298,075 and interest thereon $.....37,703............................................................................................................................. .....................335,777 .....................363,802

9. Unearned premiums (Part 1A, Line 38, Column 5) (after deducting unearned premiums for ceded reinsurance of $.....740,712,838and including warranty reserves of $..........0).......................................................................................................................................................... ...........9,445,888,381 ...........9,234,042,848

10. Advance premiums................................................................................................................................................................................................... ................78,610,275 ................78,439,671

11. Dividends declared and unpaid:

11.1 Stockholders..................................................................................................................................................................................................... ................................0 ................................0

11.2 Policyholders.................................................................................................................................................................................................... ................44,859,411 ................45,800,100

12. Ceded reinsurance premiums payable (net of ceding commissions)....................................................................................................................... ..............351,027,880 ...........1,521,641,268

13. Funds held by company under reinsurance treaties (Schedule F, Part 3, Column 19)............................................................................................ ..............305,974,662 ..............250,158,094

14. Amounts withheld or retained by company for account of others............................................................................................................................. ...........1,149,330,612 ...........1,239,825,760

15. Remittances and items not allocated....................................................................................................................................................................... ..............283,228,409 ..............240,562,609

16. Provision for reinsurance (Schedule F, Part 7)........................................................................................................................................................ ..............243,892,072 ..............255,006,745

17. Net adjustments in assets and liabilities due to foreign exchange rates.................................................................................................................. ................................0 ................................0

18. Drafts outstanding.................................................................................................................................................................................................... ............................218 .......................28,218

19. Payable to parent, subsidiaries and affiliates........................................................................................................................................................... ................................0 ................................0

20. Derivatives................................................................................................................................................................................................................ ................15,500,000 ................................0

21. Payable for securities............................................................................................................................................................................................... ................70,979,734 ..............120,206,573

22. Payable for securities lending.................................................................................................................................................................................. ..............190,869,000 ................................0

23. Liability for amounts held under uninsured plans..................................................................................................................................................... ................................0 ................................0

24. Capital notes $..........0 and interest thereon $..........0............................................................................................................................................. ................................0 ................................0

25. Aggregate write-ins for liabilities............................................................................................................................................................................... .................(9,226,787) ..............201,738,085

26. Total liabilities excluding protected cell liabilities (Lines 1 through 25).................................................................................................................... .........51,833,250,430 .........55,404,718,002

27. Protected cell liabilities............................................................................................................................................................................................. ................................0 ................................0

28. Total liabilities (Lines 26 and 27).............................................................................................................................................................................. .........51,833,250,430 .........55,404,718,002

29. Aggregate write-ins for special surplus funds........................................................................................................................................................... ..............411,812,567 ..............457,818,280

30. Common capital stock.............................................................................................................................................................................................. ................60,790,700 ................60,790,700

31. Preferred capital stock.............................................................................................................................................................................................. ................................0 ................................0

32. Aggregate write-ins for other than special surplus funds........................................................................................................................................ ................................0 ................................0

33. Surplus notes........................................................................................................................................................................................................... ................................0 ................................0

34. Gross paid in and contributed surplus...................................................................................................................................................................... .........10,275,834,109 .........10,274,834,109

35. Unassigned funds (surplus)...................................................................................................................................................................................... ...........8,762,190,684 .........11,744,438,584

36. Less treasury stock, at cost:

36.1 ..........0.000 shares common (value included in Line 30 $..........0)............................................................................................................... ................................0 ................................0

36.2 ..........0.000 shares preferred (value included in Line 31 $..........0).............................................................................................................. ................................0 ................................0

37. Surplus as regards policyholders (Lines 27 to 33, less 34) (Page 4, Line 38)......................................................................................................... .........19,510,628,060 .........22,537,881,673

38. TOTALS (Page 2, Line 28, Col. 3)........................................................................................................................................................................... .........71,343,878,489 .........77,942,599,675

DETAILS OF WRITE-INS

2501. Combined write-ins for Liabilities Line 25................................................................................................................................................................. .................(9,226,787) ..............201,738,085

2502. ................................................................................................................................................................................................................................. ................................... ...................................

2503. ................................................................................................................................................................................................................................. ................................... ...................................

2598. Summary of remaining write-ins for Line 25 from overflow page............................................................................................................................. ................................... ...................................

2599. Totals (Lines 2501 thru 2503 plus 2598) (Line 25 above)........................................................................................................................................ .................(9,226,787) ..............201,738,085

2901. Combined write-ins for Liabilities Line 29................................................................................................................................................................. ..............411,812,567 ..............457,818,280

2902. ................................................................................................................................................................................................................................. ................................... ...................................

2903. ................................................................................................................................................................................................................................. ................................... ...................................

2998. Summary of remaining write-ins for Line 29 from overflow page............................................................................................................................. ................................... ...................................

2999. Totals (Lines 2901 thru 2903 plus 2998) (Line 29 above)........................................................................................................................................ ..............411,812,567 ..............457,818,280

3201. ................................................................................................................................................................................................................................. ................................0 ................................0

3202. ................................................................................................................................................................................................................................. ................................... ...................................

3203. ................................................................................................................................................................................................................................. ................................... ...................................

3298. Summary of remaining write-ins for Line 32 from overflow page............................................................................................................................. ................................... ...................................

3299. Totals (Lines 3201 thru 3203 plus 3298) (Line 32 above)........................................................................................................................................ ................................0 ................................0

Page 4: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

4

STATEMENT OF INCOME1 2

UNDERWRITING INCOME Current Year Prior Year1. Premiums earned (Part 1, Line 35, Column 4)............................................................................................................................................... .............20,345,047,670 .............20,385,737,486

DEDUCTIONS2. Losses incurred (Part 2, Line 35, Column 7).................................................................................................................................................. ................9,978,872,807 ................9,134,147,4483. Loss adjustment expenses incurred (Part 3, Line 25, Column 1).................................................................................................................. ................2,388,507,782 ................2,517,923,8414. Other underwriting expenses incurred (Part 3, Line 25, Column 2).............................................................................................................. ................6,582,490,252 ................6,548,401,0925. Aggregate write-ins for underwriting deductions............................................................................................................................................ .....................................0 .....................................06. Total underwriting deductions (Lines 2 through 5)......................................................................................................................................... .............18,949,870,841 .............18,200,472,3817. Net income of protected cells.......................................................................................................................................................................... .....................................0 .....................................08. Net underwriting gain (loss) (Line 1 minus Line 6 plus Line 7)...................................................................................................................... ................1,395,176,829 ................2,185,265,106

INVESTMENT INCOME9. Net investment income earned (Exhibit of Net Investment Income, Line 17)................................................................................................ ................3,211,248,419 ................2,891,400,22710. Net realized capital gains (losses) less capital gains tax of $.....83,202,746 (Exhibit of Capital Gains (Losses))........................................ .................(146,038,854) .................(260,109,058)11. Net investment gain (loss) (Lines 9 + 10)....................................................................................................................................................... ................3,065,209,565 ................2,631,291,169

OTHER INCOME12. Net gain (loss) from agents' or premium balances charged off (amount recovered $.....7,206,463

amount charged off $.....66,464,905)............................................................................................................................................................ ...................(59,258,442) ...................(65,531,666)13. Finance and service charges not included in premiums................................................................................................................................ ...................100,436,547 ...................102,970,43914. Aggregate write-ins for miscellaneous income............................................................................................................................................... .....................15,196,698 .....................35,795,14015. Total other income (Lines 12 through 14)...................................................................................................................................................... .....................56,374,803 .....................73,233,91416. Net income before dividends to policyholders, after capital gains tax and before all other federal and foreign

income taxes (Lines 8 + 11 + 15)................................................................................................................................................................... ................4,516,761,197 ................4,889,790,18817. Dividends to policyholders.............................................................................................................................................................................. .....................29,266,363 .....................24,756,32618. Net income, after dividends to policyholders, after capital gains tax and before all other federal and foreign

income taxes (Line 16 minus Line 17)............................................................................................................................................................ ................4,487,494,834 ................4,865,033,86319. Federal and foreign income taxes incurred.................................................................................................................................................... ...................830,447,913 ................1,106,480,10220. Net income (Line 18 minus Line 19) (to Line 22)........................................................................................................................................... ................3,657,046,921 ................3,758,553,760

CAPITAL AND SURPLUS ACCOUNT21. Surplus as regards policyholders, December 31 prior year (Page 4, Line 39, Column 2)............................................................................ .............22,537,881,673 .............20,858,817,016

GAINS AND (LOSSES) IN SURPLUS22. Net income (from Line 20).............................................................................................................................................................................. ................3,657,046,921 ................3,758,553,76023. Net transfers (to) from Protected Cell accounts............................................................................................................................................. .....................................0 .....................................024. Change in net unrealized capital gains or (losses) less capital gains tax of $.....16,444,327....................................................................... ...................(12,651,999) ...................456,733,46625. Change in net unrealized foreign exchange capital gain (loss)..................................................................................................................... .......................8,636,734 ...................170,777,39926. Change in net deferred income tax................................................................................................................................................................ .................(121,686,774) .................(161,545,274)27. Change in nonadmitted assets (Exhibit of Nonadmitted Assets, Line 28 Column 3).................................................................................... .....................38,589,529 ...................471,125,16428. Change in provision for reinsurance (Page 3, Line 16, Column 2 minus Column 1).................................................................................... .....................11,114,672 .....................39,785,38029. Change in surplus notes................................................................................................................................................................................. .....................................0 .....................................030. Surplus (contributed to) withdrawn from protected cells................................................................................................................................ .....................................0 .....................................031. Cumulative effect of changes in accounting principles.................................................................................................................................. .....................................0 .....................88,942,89732. Capital changes:

32.1 Paid in.................................................................................................................................................................................................... .....................................0 .....................................032.2 Transferred from surplus (Stock Dividend)............................................................................................................................................ .....................................0 .....................................032.3 Transferred to surplus............................................................................................................................................................................ .....................................0 .....................................0

33. Surplus adjustments:33.1 Paid in.................................................................................................................................................................................................... .......................1,000,000 .....................35,250,56333.2 Transferred to capital (Stock Dividend)................................................................................................................................................. .....................................0 .....................................033.3. Transferred from capital........................................................................................................................................................................ .....................................0 .....................................0

34. Net remittances from or (to) Home Office....................................................................................................................................................... .....................................0 .....................................035. Dividends to stockholders............................................................................................................................................................................... ..............(6,593,000,000) ..............(3,652,050,563)36. Change in treasury stock (Page 3, Lines 36.1 and 36.2, Column 2 minus Column 1)................................................................................. .....................................0 .....................................037. Aggregate write-ins for gains and losses in surplus....................................................................................................................................... ...................(16,302,696) ...................471,491,86638. Change in surplus as regards policyholders for the year (Lines 22 through 37)........................................................................................... ..............(3,027,253,613) ................1,679,064,65739. Surplus as regards policyholders, December 31 current year (Line 21 plus Line 38) (Page 3, Line 37)..................................................... .............19,510,628,060 .............22,537,881,673

DETAILS OF WRITE-INS0501. ......................................................................................................................................................................................................................... .....................................0 .....................................00502. ......................................................................................................................................................................................................................... ........................................ ........................................0503. ......................................................................................................................................................................................................................... ........................................ ........................................0598. Summary of remaining write-ins for Line 5 from overflow page..................................................................................................................... ........................................ ........................................0599. Totals (Lines 0501 thru 0503 plus 0598) (Line 5 above)............................................................................................................................... .....................................0 .....................................01401. Combined write-ins for Statement of Income Line 14.................................................................................................................................... .....................15,196,698 .....................35,795,1401402. ......................................................................................................................................................................................................................... ........................................ ........................................1403. ......................................................................................................................................................................................................................... ........................................ ........................................1498. Summary of remaining write-ins for Line 14 from overflow page................................................................................................................... ........................................ ........................................1499. Totals (Lines 1401 thru 1403 plus 1498) (Line 14 above)............................................................................................................................. .....................15,196,698 .....................35,795,1403701. Combined write-ins for Statement of Income Line 37.................................................................................................................................... ...................(16,302,696) ...................471,491,8663702. ......................................................................................................................................................................................................................... ........................................ ........................................3703. ......................................................................................................................................................................................................................... ........................................ ........................................3798. Summary of remaining write-ins for Line 37 from overflow page................................................................................................................... ........................................ ........................................3799. Totals (Lines 3701 thru 3703 plus 3798) (Line 37 above)............................................................................................................................. ...................(16,302,696) ...................471,491,866

Page 5: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

5

CASH FLOW1 2

Current Year Prior Year CASH FROM OPERATIONS

1. Premiums collected net of reinsurance.................................................................................................................................................. ..................20,638,460,002 ..................20,511,517,3412. Net investment income........................................................................................................................................................................... ....................3,558,337,425 ....................3,066,436,2393. Miscellaneous income............................................................................................................................................................................ .........................56,374,803 .........................73,233,9134. Total (Lines 1 through 3)........................................................................................................................................................................ ..................24,253,172,230 ..................23,651,187,4945. Benefit and loss related payments......................................................................................................................................................... ..................10,575,803,714 ....................9,568,170,8276. Net transfers to Separate Accounts, Segregated Accounts and Protected Cell Accounts................................................................... ..........................................0 ..........................................07. Commissions, expenses paid and aggregate write-ins for deductions................................................................................................. ....................9,190,215,726 ....................9,046,999,3758. Dividends paid to policyholders.............................................................................................................................................................. .........................30,207,052 .........................24,334,9459. Federal and foreign income taxes paid (recovered) net of $.....31,011,191 tax on capital gains (losses)........................................... .......................854,587,528 ....................1,092,359,32310. Total (Lines 5 through 9)........................................................................................................................................................................ ..................20,650,814,020 ..................19,731,864,46911. Net cash from operations (Line 4 minus Line 10).................................................................................................................................. ....................3,602,358,211 ....................3,919,323,025

CASH FROM INVESTMENTS12. Proceeds from investments sold, matured or repaid:

12.1 Bonds........................................................................................................................................................................................... ....................8,798,892,994 ....................6,959,664,77312.2 Stocks........................................................................................................................................................................................... ....................1,251,093,769 .......................442,597,22612.3 Mortgage loans............................................................................................................................................................................ ...........................4,866,701 ...........................2,348,30912.4 Real estate................................................................................................................................................................................... ...........................9,050,344 ..........................................012.5 Other invested assets.................................................................................................................................................................. .......................370,141,272 .......................217,957,23912.6 Net gains or (losses) on cash, cash equivalents and short-term investments............................................................................ ...............................(64,797) ................................15,33112.7 Miscellaneous proceeds.............................................................................................................................................................. .........................36,233,563 .......................406,631,42912.8 Total investment proceeds (Lines 12.1 to 12.7).......................................................................................................................... ..................10,470,213,846 ....................8,029,214,308

13. Cost of investments acquired (long-term only):13.1 Bonds........................................................................................................................................................................................... ....................6,181,072,336 ....................8,718,164,85213.2 Stocks........................................................................................................................................................................................... .......................355,608,712 .......................272,790,59613.3 Mortgage loans............................................................................................................................................................................ ...........................1,235,386 ...........................1,325,76113.4 Real estate................................................................................................................................................................................... .........................21,722,469 .........................23,012,22713.5 Other invested assets.................................................................................................................................................................. .......................866,063,790 .......................342,065,01013.6 Miscellaneous applications.......................................................................................................................................................... .........................80,700,530 .........................15,379,44413.7 Total investments acquired (Lines 13.1 to 13.6)......................................................................................................................... ....................7,506,403,223 ....................9,372,737,889

14. Net increase (decrease) in contract loans and premium notes............................................................................................................. ...............................(10,806) .............................(615,177)15. Net cash from investments (Line 12.8 minus Lines 13.7 and 14)......................................................................................................... ....................2,963,821,429 ...................(1,342,908,403)

CASH FROM FINANCING AND MISCELLANEOUS SOURCES16. Cash provided (applied):

16.1 Surplus notes, capital notes......................................................................................................................................................... ..........................................0 ..........................................016.2 Capital and paid in surplus, less treasury stock.......................................................................................................................... ...........................1,000,000 .........................35,250,56316.3 Borrowed funds............................................................................................................................................................................ ...............................(28,172) ...............................(63,542)16.4 Net deposits on deposit-type contracts and other insurance liabilities....................................................................................... ..........................................0 ..........................................016.5 Dividends to stockholders............................................................................................................................................................ ....................6,593,000,000 ....................3,652,050,56316.6 Other cash provided (applied)..................................................................................................................................................... ......................(235,495,318) .......................458,264,216

17. Net cash from financing and miscellaneous sources (Lines 16.1 to 16.4 minus Line 16.5 plus Line 16.6)......................................... ...................(6,827,523,490) ...................(3,158,599,325) RECONCILIATION OF CASH, CASH EQUIVALENTS AND SHORT-TERM INVESTMENTS

18. Net change in cash, cash equivalents and short-term investments (Line 11 plus Line 15 plus Line 17)............................................. ......................(261,343,851) ......................(582,184,704)19. Cash, cash equivalents and short-term investments:

19.1 Beginning of year......................................................................................................................................................................... ....................1,364,015,205 ....................1,946,199,90919.2 End of year (Line 18 plus Line 19.1)............................................................................................................................................ ....................1,102,671,354 ....................1,364,015,205

Note: Supplemental disclosures of cash flow information for non-cash transactions:20.0001 Merger with Travelers PC Fund Investments, Inc....................................................................................................................... .......................375,393,706 ..........................................020.0002 Capital contribution...................................................................................................................................................................... .......................132,314,656 ..........................................020.0003 Merger with TCS European Investments, Inc.............................................................................................................................. .........................99,710,147 ..........................................020.0004 Stock converted to limited liability company................................................................................................................................ .........................67,513,173 ..........................................020.0005 Return of capital........................................................................................................................................................................... .........................65,657,328 ..........................................020.0006 Stock distributions from limited partnerships............................................................................................................................... ...........................1,556,291 ...........................4,175,19620.0007 Exchange of stock........................................................................................................................................................................ ..............................508,998 .........................11,337,11420.0008 Bonds converted to stock............................................................................................................................................................. ..............................468,329 ..........................................020.0009 Stock converted to bonds............................................................................................................................................................ ..........................................0 .......................115,059,04920.0010 Preferred stock converted to bond............................................................................................................................................... ..........................................0 ...........................3,547,08820.0011 Exchange of bonds...................................................................................................................................................................... ..........................................0 ..............................807,57020.0012 Bond distributions from limited partnerships................................................................................................................................ ..........................................0 ................................88,15820.0013 Intercompany transaction............................................................................................................................................................. ..........................................0 ..........................................020.0014 Return of capital to parent............................................................................................................................................................ ..........................................0 ......................(103,481,322)

Page 6: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

6

UNDERWRITING AND INVESTMENT EXHIBIT PART 1 - PREMIUMS EARNED

1 2 3 4Unearned Premiums Unearned Premiums

Net December 31 December 31 PremiumsPremiums Prior Year- Current Year- EarnedWritten per per Col. 3 Last per Col. 5 During Year

Line of Business Column 6, Part 1B Year's Part 1 Part 1A (Cols. 1 + 2 - 3)

1. Fire...................................................................................................... .......................495,422,518 .......................258,506,021 .......................222,140,693 .......................531,787,846

2. Allied lines........................................................................................... .......................535,855,733 .......................199,820,357 .......................237,852,622 .......................497,823,468

3. Farmowners multiple peril................................................................... .......................150,350,181 .........................67,874,496 .........................72,436,003 .......................145,788,673

4. Homeowners multiple peril.................................................................. ....................3,213,767,898 ....................1,581,526,121 ....................1,698,919,302 ....................3,096,374,718

5. Commercial multiple peril.................................................................... ....................2,845,578,376 ....................1,338,759,129 ....................1,374,585,234 ....................2,809,752,271

6. Mortgage guaranty.............................................................................. .........................................0 .........................................0 .........................................0 .........................................0

8. Ocean marine...................................................................................... .......................281,534,195 .......................117,962,490 .......................121,793,682 .......................277,703,002

9. Inland marine...................................................................................... .......................629,132,210 .......................327,176,749 .......................297,310,132 .......................658,998,827

10. Financial guaranty............................................................................... .........................................0 .........................................0 .........................................0 .........................................0

11.1 Medical professional liability - occurrence........................................... ...............................(11,676) .................................(4,716) .................................(4,264) ...............................(12,129)

11.2 Medical professional liability - claims-made........................................ .................................(3,149) ................................18,183 .....................................992 ................................14,041

12. Earthquake.......................................................................................... .......................109,576,326 .........................40,688,477 .........................49,735,891 .......................100,528,912

13. Group accident and health.................................................................. ................................20,791 ................................59,906 ................................47,401 ................................33,295

14. Credit accident and health (group and individual)............................... .........................................0 .........................................0 .........................................0 .........................................0

15. Other accident and health................................................................... ...........................1,481,650 ..............................422,166 ..............................470,056 ...........................1,433,760

16. Workers' compensation....................................................................... ....................2,618,722,034 .......................973,486,462 ....................1,070,940,816 ....................2,521,267,679

17.1 Other liability - occurrence.................................................................. ....................1,652,920,634 .......................740,152,481 .......................738,570,933 ....................1,654,502,182

17.2 Other liability - claims-made................................................................ .......................900,370,814 .......................525,004,185 .......................490,916,410 .......................934,458,589

17.3 Excess workers' compensation........................................................... .........................21,712,285 ...........................9,808,502 ...........................8,247,410 .........................23,273,378

18.1 Products liability - occurrence............................................................. .......................147,235,652 .........................71,510,682 .........................67,945,545 .......................150,800,789

18.2 Products liability - claims-made........................................................... .........................20,062,399 ...........................8,678,148 ...........................9,323,295 .........................19,417,252

19.1, 19.2 Private passenger auto liability........................................................... ....................2,393,341,043 .......................740,836,642 .......................797,818,292 ....................2,336,359,394

19.3, 19.4 Commercial auto liability..................................................................... ....................1,522,897,480 .......................689,447,062 .......................688,915,362 ....................1,523,429,180

21. Auto physical damage......................................................................... ....................1,818,181,159 .......................627,725,537 .......................648,596,019 ....................1,797,310,677

22. Aircraft (all perils)................................................................................ .............................(381,909) ...........................2,456,539 .........................................0 ...........................2,074,630

23. Fidelity................................................................................................. .......................174,178,341 .......................100,425,000 .......................102,655,333 .......................171,948,008

24. Surety.................................................................................................. .......................826,642,196 .......................557,752,046 .......................527,499,858 .......................856,894,385

26. Burglary and theft................................................................................ .........................35,023,538 .........................16,487,300 .........................16,548,943 .........................34,961,895

27. Boiler and machinery.......................................................................... .......................177,618,919 .........................74,265,984 .........................77,902,592 .......................173,982,312

28. Credit................................................................................................... ...............................(16,737) ................................24,977 ................................59,062 ...............................(50,822)

29. International........................................................................................ ...........................3,414,650 ..............................844,829 ..............................391,361 ...........................3,868,118

30. Warranty.............................................................................................. .........................................0 .........................................0 .........................................0 .........................................0

31. Reinsurance - nonproportional assumed property.............................. ..........................(1,807,432) ..............................223,868 ..............................216,681 ..........................(1,800,244)

32. Reinsurance - nonproportional assumed liability................................ .........................19,397,465 .........................12,115,637 .........................12,165,894 .........................19,347,209

33. Reinsurance - nonproportional assumed financial lines...................... ...........................1,890,846 ...........................1,800,651 ...........................1,248,418 ...........................2,443,079

34. Aggregate write-ins for other lines of business................................... ..............................349,118 ................................58,733 ................................74,555 ..............................333,296

35. TOTALS......................................................................................... ..................20,594,457,549 ....................9,085,914,644 ....................9,335,324,522 ..................20,345,047,670

DETAILS OF WRITE-INS

3401. Combined write-ins for U&I Part 1 Line 34.......................................... ..............................349,118 ................................58,733 ................................74,555 ..............................333,296

3402. ............................................................................................................ ............................................ ............................................ ............................................ ............................................

3403. ............................................................................................................ ............................................ ............................................ ............................................ ............................................

3498. Summary of remaining write-ins for Line 34 from overflow page........ ............................................ ............................................ ............................................ ............................................

3499. Totals (Lines 3301 thru 3403 plus 3498) (Line 34 above)................... ..............................349,118 ................................58,733 ................................74,555 ..............................333,296

Page 7: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

7

UNDERWRITING AND INVESTMENT EXHIBIT PART 1A - RECAPITULATION OF ALL PREMIUMS

(a) Gross premiums (less reinsurance) and unearned premiums on all unexpired risks and reserve for return premiums under rate credit or retrospective rating plans based upon experience, viz:

1 2 3 4 5Reserve for

Amount Unearned Amount Unearned Rate Credits Total Reserve(Running One Year (Running more than and Retrospective for Unearnedor Less from Date One Year from Earned But Adjustments Based Premiums

Line of Business of Policy) (a) Date of Policy) (a) Unbilled Premium on Experience Cols. 1 + 2 + 3 + 4

1. Fire................................................................................................. ...............214,644,760 ...................9,651,308 ..................(2,155,375) .................................0 ...............222,140,693

2. Allied lines...................................................................................... ...............226,750,070 .................11,102,552 .................................0 .................................0 ...............237,852,622

3. Farmowners multiple peril.............................................................. .................72,441,584 .........................(5,581) .................................0 .................................0 .................72,436,003

4. Homeowners multiple peril............................................................. ............1,701,356,047 ..................(2,436,745) .................................0 .................................0 ............1,698,919,302

5. Commercial multiple peril............................................................... ............1,354,607,209 ..................(2,313,798) .................22,291,823 .................................0 ............1,374,585,234

6. Mortgage guaranty......................................................................... .................................0 .................................0 .................................0 .................................0 .................................0

8. Ocean marine................................................................................ ...............122,760,768 ......................786,297 ..................(1,753,383) .................................0 ...............121,793,682

9. Inland marine................................................................................. ...............249,326,374 .................50,651,507 ..................(2,667,749) .................................0 ...............297,310,132

10. Financial guaranty.......................................................................... .............................724 ............................(724) .................................0 .................................0 .................................0

11.1 Medical professional liability - occurrence..................................... .........................(4,264) .................................0 .................................0 .................................0 .........................(4,264)

11.2 Medical professional liability - claims-made................................... .............................992 .................................0 .................................0 .................................0 .............................992

12. Earthquake..................................................................................... .................46,242,554 ...................3,493,337 .................................0 .................................0 .................49,735,891

13. Group accident and health............................................................. ........................47,401 .................................0 .................................0 .................................0 ........................47,401

14. Credit accident and health (group and individual).......................... .................................0 .................................0 .................................0 .................................0 .................................0

15. Other accident and health.............................................................. ......................470,368 ..........................2,197 .........................(2,509) .................................0 ......................470,056

16. Workers' compensation.................................................................. ............1,147,782,455 ......................167,929 .................15,421,442 ................(92,431,010) ............1,070,940,816

17.1 Other liability - occurrence............................................................. ...............732,403,685 ...................2,538,017 ...................4,489,846 .....................(860,615) ...............738,570,933

17.2 Other liability - claims-made........................................................... ...............425,196,412 .................65,608,226 ......................111,772 .................................0 ...............490,916,410

17.3 Excess workers' compensation...................................................... ...................8,077,761 ......................160,857 ..........................8,792 .................................0 ...................8,247,410

18.1 Products liability - occurrence........................................................ .................62,611,652 ...................4,624,947 ......................538,146 ......................170,800 .................67,945,545

18.2 Products liability - claims-made..................................................... ...................9,306,162 ........................15,260 ..........................1,873 .................................0 ...................9,323,295

19.1, 19.2 Private passenger auto liability...................................................... ...............797,818,292 .................................0 .................................0 .................................0 ...............797,818,292

19.3, 19.4 Commercial auto liability................................................................ ...............687,653,229 ...................1,827,470 .......................(93,137) .....................(472,200) ...............688,915,362

21. Auto physical damage.................................................................... ...............648,325,995 ......................279,024 ................................(0) .........................(9,000) ...............648,596,019

22. Aircraft (all perils)........................................................................... .................................0 .................................0 .................................0 .................................0 .................................0

23. Fidelity............................................................................................ .................68,021,588 .................34,633,745 .................................0 .................................0 ...............102,655,333

24. Surety............................................................................................. ...............130,761,320 ...............449,891,913 ................(53,153,376) .................................0 ...............527,499,858

26. Burglary and theft........................................................................... .................14,313,585 ...................2,235,357 .................................0 .................................0 .................16,548,943

27. Boiler and machinery..................................................................... .................72,705,143 ...................5,197,448 .................................0 .................................0 .................77,902,592

28. Credit............................................................................................. ........................59,062 .................................0 .................................0 .................................0 ........................59,062

29. International................................................................................... ......................391,361 .................................0 .................................0 .................................0 ......................391,361

30. Warranty........................................................................................ .................................0 .................................0 .................................0 .................................0 .................................0

31. Reinsurance - nonproportional assumed property......................... ......................216,681 .................................0 .................................0 .................................0 ......................216,681

32. Reinsurance - nonproportional assumed liability........................... .................10,624,639 ...................1,541,255 .................................0 .................................0 .................12,165,894

33. Reinsurance - nonproportional assumed financial lines................ ...................1,174,302 ........................74,116 .................................0 .................................0 ...................1,248,418

34. Aggregate write-ins for other lines of business.............................. ........................74,555 .................................0 .................................0 .................................0 ........................74,555

35. TOTALS......................................................................................... ............8,806,162,467 ...............639,725,914 ................(16,961,834) ................(93,602,025) ............9,335,324,522

36. Accrued retrospective premiums based on experience............................................................................................................................................................................ .................93,602,025

37. Earned but unbilled premiums.................................................................................................................................................................................................................. .................16,961,834

38. Balance (sum of Lines 35 through 37)...................................................................................................................................................................................................... ............9,445,888,381

DETAILS OF WRITE-INS

3401. Combined write-ins for U&I Part 1A Line 34.................................. ........................74,555 .................................0 .................................0 .................................0 ........................74,555

3402. ....................................................................................................... .................................... .................................... .................................... .................................... ....................................

3403. ....................................................................................................... .................................... .................................... .................................... .................................... ....................................

3498. Summary of remaining write-ins for Line 34 from overflow page... .................................... .................................... .................................... .................................... ....................................

3499. Totals (Lines 3401 thru 3403 plus 3498) (Line 34 above)............. ........................74,555 .................................0 .................................0 .................................0 ........................74,555(a) State here basis of computation used in each case: Daily pro rata; pools and associations as submitted.

Page 8: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

8

UNDERWRITING AND INVESTMENT EXHIBIT PART 1B - PREMIUMS WRITTEN

Gross Premiums (Less Return Premiums), Including Policy and Membership Fees Written and Renewed During Year1 Reinsurance Assumed Reinsurance Ceded 6

2 3 4 5 Net PremiumsDirect Written

Business (Cols. 1 + 2 + 3Line of Business (a) From Affiliates From Non-Affiliates To Affiliates To Non-Affiliates - 4 - 5)

1. Fire............................................................................................... .........656,822,132 .............5,421,582 ...........20,463,494 ..................48,466 .........187,236,225 .........495,422,518

2. Allied lines.................................................................................... .........778,809,645 ................709,018 ...........28,010,684 ....................6,552 .........271,667,062 .........535,855,733

3. Farmowners multiple peril............................................................ .........152,377,793 ...........................0 ...........................0 ...........................0 .............2,027,612 .........150,350,181

4. Homeowners multiple peril........................................................... ......3,295,031,219 ...........................0 .............2,590,312 .......................125 ...........83,853,508 ......3,213,767,898

5. Commercial multiple peril............................................................. ......3,060,097,214 ...........................0 .............4,488,072 .............1,018,363 .........217,988,546 ......2,845,578,376

6. Mortgage guaranty....................................................................... ...........................0 ...........................0 ...........................0 ...........................0 ...........................0 ...........................0

8. Ocean marine.............................................................................. .........299,480,712 ..................44,199 ................424,083 .......................(19) ...........18,414,818 .........281,534,195

9. Inland marine............................................................................... .........683,971,291 ...........................0 .............3,599,609 ..................23,718 ...........58,414,971 .........629,132,210

10. Financial guaranty........................................................................ ..................12,769 ...........................0 ....................8,010 ...........................0 ..................20,779 ...........................0

11.1 Medical professional liability - occurrence................................... .........................67 ...........................0 ...........................0 ....................3,644 ....................8,099 ................(11,676)

11.2 Medical professional liability - claims-made................................. ...........................0 ...........................0 .....................(154) ...........................0 ....................2,995 ..................(3,149)

12. Earthquake................................................................................... .........133,775,047 ...........................0 .............4,532,152 ....................4,115 ...........28,726,758 .........109,576,326

13. Group accident and health........................................................... ...........................0 ...........................0 ..................20,791 ...........................0 ...........................0 ..................20,791

14. Credit accident and health (group and individual)........................ ...........................0 ...........................0 ...........................0 ...........................0 ...........................0 ...........................0

15. Other accident and health............................................................ .............1,038,208 ...........................0 ................443,538 ...........................0 .........................96 .............1,481,650

16. Workers' compensation................................................................ ......2,817,805,822 ...........................0 ...........49,249,459 ................381,308 .........247,951,939 ......2,618,722,034

17.1 Other liability - occurrence........................................................... ......1,774,703,273 .............3,388,931 .............8,313,758 ................299,273 .........133,186,055 ......1,652,920,634

17.2 Other liability - claims-made......................................................... .........993,507,416 ...........................0 .............2,717,542 ...........(1,424,579) ...........97,278,722 .........900,370,814

17.3 Excess workers' compensation.................................................... ...........25,060,754 ...........................0 ...........................0 ...........................0 .............3,348,469 ...........21,712,285

18.1 Products liability - occurrence...................................................... .........154,723,207 ................459,815 .............1,787,490 ................376,356 .............9,358,505 .........147,235,652

18.2 Products liability - claims-made................................................... ...........21,491,099 ...........................0 ..................(1,250) .........................10 .............1,427,440 ...........20,062,399

19.1, 19.2 Private passenger auto liability.................................................... ......2,245,792,068 ..................37,723 .........172,115,766 .............1,540,332 ...........23,064,182 ......2,393,341,043

19.3, 19.4 Commercial auto liability.............................................................. ......1,537,381,172 ...........................0 ...........43,198,636 ................218,455 ...........57,463,873 ......1,522,897,480

21. Auto physical damage.................................................................. ......1,705,543,497 ...........................0 .........122,930,638 ..................26,631 ...........10,266,345 ......1,818,181,159

22. Aircraft (all perils)......................................................................... ..............(383,858) ...........................0 ..................54,472 .......................568 ..................51,955 ..............(381,909)

23. Fidelity.......................................................................................... .........180,724,037 ...........................0 ..................97,378 .......................495 .............6,642,579 .........174,178,341

24. Surety........................................................................................... .........867,822,227 ...........12,859,432 .............5,551,470 .............7,554,479 ...........52,036,454 .........826,642,196

26. Burglary and theft......................................................................... ...........38,949,555 ...........................0 ..................52,455 .............4,030,261 ................(51,789) ...........35,023,538

27. Boiler and machinery................................................................... .........116,402,738 ..................13,088 ...........66,743,813 ....................1,740 .............5,538,980 .........177,618,919

28. Credit........................................................................................... .......................484 ...........................0 ................(16,737) ...........................0 .......................484 ................(16,737)

29. International................................................................................. ...........................0 .............3,258,592 ................156,058 ...........................0 ...........................0 .............3,414,650

30. Warranty...................................................................................... ...........................0 ...........................0 ...........................0 ...........................0 ...........................0 ...........................0

31. Reinsurance - nonproportional assumed property....................... ............XXX............ ...........................0 ..............(877,888) ....................2,170 ................927,375 ...........(1,807,432)

32. Reinsurance - nonproportional assumed liability......................... ............XXX............ ................(84,718) ...........22,866,053 ..............(364,051) .............3,747,921 ...........19,397,465

33. Reinsurance - nonproportional assumed financial lines.............. ............XXX............ ...........................0 .............1,890,846 ...........................0 ...........................0 .............1,890,846

34. Aggregate write-ins for other lines of business............................ ................349,118 ...........................0 ...........................0 ...........................0 ...........................0 ................349,118

35. TOTALS....................................................................................... ....21,541,288,707 ...........26,107,663 .........561,410,549 ...........13,748,412 ......1,520,600,958 ....20,594,457,549

DETAILS OF WRITE-INS

3401. Combined write-ins for U&I Part 1B Line 34................................ ................349,118 ...........................0 ...........................0 ...........................0 ...........................0 ................349,118

3402. ..................................................................................................... .............................. .............................. .............................. .............................. .............................. ..............................

3403. ..................................................................................................... .............................. .............................. .............................. .............................. .............................. ..............................

3498. Summ. of remaining write-ins for Line 34 from overflow page..... .............................. .............................. .............................. .............................. .............................. ..............................

3499. Totals (Lines 3401 thru 3403 plus 3498) (Line 34 above)........... ................349,118 ...........................0 ...........................0 ...........................0 ...........................0 ................349,118

(a) Does the company's direct premiums written include premiums recorded on an installment basis? Yes [ ] No [ X ]If yes: 1. The amount of such installment premiums $..........0. 2. Amount at which such installment premiums would have been reported had they been recorded on an annualized basis $..........0.

Page 9: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

9

UNDERWRITING AND INVESTMENT EXHIBIT PART 2 - LOSSES PAID AND INCURRED

Losses Paid Less Salvage 5 6 7 81 2 3 4 Percentage of

Net Losses Losses Losses IncurredUnpaid Net Losses Incurred (Col. 7, Part 2)

Direct Reinsurance Reinsurance Net Payments Current Year Unpaid Current Year to Premiums EarnedLine of Business Business Assumed Recovered (Cols. 1 + 2 - 3) (Part 2A, Col. 8) Prior Year (Cols. 4 + 5 - 6) (Col. 4, Part 1)

1. Fire.......................................................................................................... .........................350,214,067 .............................6,585,622 ...........................62,729,564 .........................294,070,125 .........................281,246,063 .........................305,174,908 .........................270,141,280 ......................................50.82. Allied lines............................................................................................... .........................470,486,829 ...........................11,048,173 .........................175,235,352 .........................306,299,650 .........................220,134,580 .........................262,131,585 .........................264,302,644 ......................................53.13. Farmowners multiple peril....................................................................... ...........................74,744,269 .........................................31 ...........................................0 ...........................74,744,300 ...........................45,089,944 ...........................36,759,363 ...........................83,074,881 ......................................57.04. Homeowners multiple peril...................................................................... ......................1,745,221,937 .............................2,777,607 .............................5,156,216 ......................1,742,843,328 .........................876,926,986 .........................717,286,296 ......................1,902,484,018 ......................................61.45. Commercial multiple peril........................................................................ ......................1,365,187,387 ................................328,338 ...........................60,920,995 ......................1,304,594,730 ......................2,348,596,655 ......................2,248,771,104 ......................1,404,420,281 ......................................50.06. Mortgage guaranty.................................................................................. ...........................................0 ...........................................0 ...........................................0 ...........................................0 ...........................................0 ...........................................0 ...........................................0 ........................................0.08. Ocean marine.......................................................................................... .........................124,397,395 ................................970,847 ...........................12,725,280 .........................112,642,961 .........................184,585,270 .........................173,723,003 .........................123,505,228 ......................................44.59. Inland marine.......................................................................................... .........................312,283,456 ..............................(124,418) ...........................29,233,550 .........................282,925,488 .........................254,557,151 .........................292,964,544 .........................244,518,095 ......................................37.1

10. Financial guaranty................................................................................... ...........................................0 ...........................................0 ...........................................0 ...........................................0 .......................................166 ....................................3,776 ..................................(3,610) ........................................0.011.1 Medical professional liability - occurrence............................................... ...........................18,883,200 ...........................................0 ...........................10,177,663 .............................8,705,537 ...........................42,875,604 ...........................58,557,256 ...........................(6,976,115) ...............................57,518.011.2 Medical professional liability - claims-made............................................ ...........................47,283,355 .............................4,230,483 ...........................12,688,795 ...........................38,825,043 .........................109,734,397 .........................152,421,073 ...........................(3,861,633) .............................(27,502.4)12. Earthquake.............................................................................................. ..................................12,117 ..................................(1,193) ...........................................0 ..................................10,924 .............................6,792,696 .............................9,787,100 ...........................(2,983,481) ......................................(3.0)13. Group accident and health...................................................................... ..................................51,008 ................................522,553 ..................................50,941 ................................522,620 .............................2,427,298 .............................2,922,665 ..................................27,253 ......................................81.914. Credit accident and health (group and individual)................................... ...........................................0 ...........................................0 ...........................................0 ...........................................0 ...........................................0 ...........................................0 ...........................................0 ........................................0.015. Other accident and health....................................................................... ................................473,605 ................................132,618 .......................................731 ................................605,491 ...........................10,304,053 .............................8,779,349 .............................2,130,194 ....................................148.616. Workers' compensation........................................................................... ......................1,625,026,640 ...........................84,725,604 .........................441,051,348 ......................1,268,700,896 ....................11,229,685,173 ....................11,010,129,382 ......................1,488,256,687 ......................................59.017.1 Other liability - occurrence...................................................................... .........................917,819,647 ...........................14,534,568 .........................169,100,130 .........................763,254,084 ......................5,085,178,131 ......................5,543,338,501 .........................305,093,715 ......................................18.417.2 Other liability - claims-made.................................................................... .........................649,218,576 ...........................26,191,642 .........................126,984,428 .........................548,425,790 ......................1,982,678,720 ......................2,084,803,183 .........................446,301,326 ......................................47.817.3 Excess workers' compensation............................................................... ...........................22,936,719 ................................335,159 ...........................10,895,891 ...........................12,375,986 .........................519,954,849 .........................469,665,055 ...........................62,665,780 ....................................269.318.1 Products liability - occurrence................................................................. .........................168,830,414 ................................373,332 ...........................14,017,706 .........................155,186,040 ......................1,594,220,388 ......................1,569,469,951 .........................179,936,476 ....................................119.318.2 Products liability - claims-made............................................................... .............................7,945,915 ...........................................0 .............................1,550,000 .............................6,395,915 ...........................40,487,306 ...........................47,915,170 ...........................(1,031,948) ......................................(5.3)

19.1, 19.2 Private passenger auto liability............................................................... ......................1,330,696,070 .........................108,921,890 ...........................26,131,146 ......................1,413,486,814 ......................1,838,207,560 ......................1,901,208,065 ......................1,350,486,309 ......................................57.819.3, 19.4 Commercial auto liability......................................................................... .........................861,102,496 ...........................36,360,607 ...........................66,418,069 .........................831,045,035 ......................1,812,592,805 ......................1,844,652,710 .........................798,985,130 ......................................52.4

21. Auto physical damage............................................................................. .........................962,953,861 ...........................66,853,148 .............................9,738,367 ......................1,020,068,643 ...........................93,615,994 .........................104,029,175 ......................1,009,655,462 ......................................56.222. Aircraft (all perils).................................................................................... ...........................13,511,213 ...........................19,095,872 ...........................29,774,325 .............................2,832,760 ...........................17,537,124 ...........................32,342,195 .........................(11,972,311) ..................................(577.1)23. Fidelity..................................................................................................... ...........................95,778,053 ..................................58,409 .............................3,898,428 ...........................91,938,034 .........................122,509,305 .........................158,041,443 ...........................56,405,896 ......................................32.824. Surety...................................................................................................... .........................117,619,779 .............................1,061,672 ...........................15,293,133 .........................103,388,318 .........................833,785,655 .........................858,993,341 ...........................78,180,632 ........................................9.126. Burglary and theft.................................................................................... .............................1,553,801 ..................................(7,540) ................................134,551 .............................1,411,711 ...........................28,953,469 ...........................28,123,859 .............................2,241,320 ........................................6.427. Boiler and machinery.............................................................................. ...........................37,135,437 ...........................14,581,342 .............................4,200,577 ...........................47,516,202 ...........................40,010,026 ...........................49,329,554 ...........................38,196,674 ......................................22.028. Credit....................................................................................................... ...........................................0 ..............................(143,894) ...........................................0 ..............................(143,894) .............................8,342,893 ...........................12,198,999 ...........................(4,000,000) .................................7,870.629. International............................................................................................ ...........................................0 .............................1,852,961 ...........................................0 .............................1,852,961 .............................8,604,477 .............................9,305,140 .............................1,152,299 ......................................29.830. Warranty.................................................................................................. ..................................(1,102) ...........................................0 ...........................................0 ..................................(1,102) ...........................................0 ..................................(1,354) .......................................252 ........................................0.031. Reinsurance - nonproportional assumed property.................................. ....................XXX................... ...........................12,124,144 .............................2,791,955 .............................9,332,189 ...........................42,512,133 ...........................51,376,855 ................................467,466 ....................................(26.0)32. Reinsurance - nonproportional assumed liability.................................... ....................XXX................... .........................153,134,370 ...........................53,434,736 ...........................99,699,634 .........................997,811,878 ......................1,197,707,341 .......................(100,195,828) ..................................(517.9)33. Reinsurance - nonproportional assumed financial lines.......................... ....................XXX................... ................................809,749 ...........................................0 ................................809,749 ...........................22,758,583 ...........................26,544,705 ...........................(2,976,373) ..................................(121.8)34. Aggregate write-ins for other lines of business....................................... ..................................76,095 ...........................................0 ...........................................0 ..................................76,095 ................................310,448 ................................141,737 ................................244,806 ......................................73.435. TOTALS.................................................................................................. ....................11,321,442,237 .........................567,333,695 ......................1,344,333,877 ....................10,544,442,055 ....................30,703,027,780 ....................31,268,597,028 ......................9,978,872,807 ......................................49.0

DETAILS OF WRITE-INS3401. Combined write-ins for U&I Part 2 Line 33.............................................. ..................................76,095 ...........................................0 ...........................................0 ..................................76,095 ................................310,448 ................................141,737 ................................244,806 ......................................73.43402. ................................................................................................................ .............................................. .............................................. .............................................. .............................................. .............................................. .............................................. .............................................. ..............................................3403. ................................................................................................................ .............................................. .............................................. .............................................. .............................................. .............................................. .............................................. .............................................. ..............................................3498. Summary of remaining write-ins for Line 34 from overflow page............ .............................................. .............................................. .............................................. .............................................. .............................................. .............................................. .............................................. ..............................................3499. Totals (Lines 3401 thru 3403 plus 3498) (Line 34 above)....................... ..................................76,095 ...........................................0 ...........................................0 ..................................76,095 ................................310,448 ................................141,737 ................................244,806 ......................................73.4

Page 10: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

10

UNDERWRITING AND INVESTMENT EXHIBIT PART 2A - UNPAID LOSSES AND LOSS ADJUSTMENT EXPENSES

Reported Losses Incurred But Not Reported 8 91 2 3 4 5 6 7

Deduct Reinsurance Net Losses ExcludingRecoverable from Incurred but Net Losses Unpaid Loss

Authorized and not Reported Reinsurance Reinsurance Unpaid AdjustmentLine of Business Direct Reinsurance Assumed Unauthorized Companies (Cols. 1 + 2 - 3) Direct Assumed Ceded (Cols. 4 + 5 + 6 - 7) Expenses

1. Fire.................................................................................................... ....................308,158,924 ......................22,981,479 ......................78,037,116 ....................253,103,287 ......................47,578,787 ......................20,912,874 ......................40,348,886 ....................281,246,063 ......................36,721,8612. Allied lines......................................................................................... ....................249,123,372 ......................14,644,705 ......................88,480,980 ....................175,287,096 ....................114,741,633 ........................9,351,148 ......................79,245,298 ....................220,134,580 ......................46,085,7943. Farmowners multiple peril................................................................. ......................22,722,110 ......................................2 .................................(901) ......................22,723,013 ......................22,349,080 .............................20,502 ...............................2,650 ......................45,089,944 ........................8,297,2374. Homeowners multiple peril................................................................ ....................424,468,770 ........................1,304,602 ...........................942,138 ....................424,831,233 ....................465,516,751 ........................1,179,422 ......................14,600,420 ....................876,926,986 ....................135,482,3545. Commercial multiple peril.................................................................. .................1,314,631,960 ........................5,071,569 ......................50,409,469 .................1,269,294,060 .................1,197,700,382 ......................11,005,595 ....................129,403,382 .................2,348,596,655 .................1,025,626,3186. Mortgage guaranty............................................................................ ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................08. Ocean marine.................................................................................... ....................123,672,162 ........................6,338,407 ........................8,961,307 ....................121,049,262 ......................90,416,292 ........................3,667,348 ......................30,547,632 ....................184,585,270 ......................36,505,0369. Inland marine..................................................................................... ....................172,254,547 ........................2,818,848 ......................47,536,920 ....................127,536,475 ....................169,520,595 ........................6,702,377 ......................49,202,296 ....................254,557,151 ......................22,184,543

10. Financial guaranty............................................................................. ......................................0 ......................................0 ......................................0 ......................................0 ..................................166 .....................................(1) .....................................(1) ..................................166 ..................................28911.1 Medical professional liability - occurrence......................................... ......................37,991,301 ......................................0 ...........................466,204 ......................37,525,097 ......................34,376,604 .............................75,001 ......................29,101,098 ......................42,875,604 ........................6,060,91511.2 Medical professional liability - claims-made...................................... ......................67,787,010 ......................14,508,574 ......................10,303,560 ......................71,992,025 ......................58,479,286 ......................15,062,560 ......................35,799,474 ....................109,734,397 ......................16,214,87012. Earthquake........................................................................................ ...........................271,000 ......................................0 ......................................0 ...........................271,000 ......................10,379,330 ...............................2,343 ........................3,859,978 ........................6,792,696 ........................1,792,11913. Group accident and health................................................................ ......................44,399,492 ........................1,345,432 ......................44,399,542 ........................1,345,383 .............................27,800 ........................1,487,430 ...........................433,315 (a)...................2,427,298 .............................27,23614. Credit accident and health (group and individual)............................. ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................015. Other accident and health................................................................. ........................1,282,363 ........................2,579,208 ...........................215,998 ........................3,645,574 ........................3,076,197 ........................4,230,615 ...........................648,333 (a).................10,304,053 ........................2,735,92016. Workers' compensation..................................................................... .................7,461,626,682 ....................535,663,977 .................2,127,271,702 .................5,870,018,958 .................6,297,036,283 ....................449,517,802 .................1,386,887,870 ...............11,229,685,173 .................1,449,783,29417.1 Other liability - occurrence................................................................. .................1,139,877,550 ......................72,924,810 ....................258,201,680 ....................954,600,680 .................4,844,095,521 ....................139,708,939 ....................853,227,009 .................5,085,178,131 .................1,661,896,40717.2 Other liability - claims-made.............................................................. ....................777,854,237 ......................74,279,837 ....................180,104,648 ....................672,029,426 .................1,585,672,881 ......................33,125,447 ....................308,149,034 .................1,982,678,720 ....................780,351,55217.3 Excess workers' compensation......................................................... ....................316,247,276 ........................2,393,972 ....................145,003,160 ....................173,638,089 ....................395,334,687 .............................60,759 ......................49,078,687 ....................519,954,849 ......................13,889,93318.1 Products liability - occurrence............................................................ ....................366,643,753 ........................5,074,058 ......................38,854,017 ....................332,863,794 .................1,373,256,548 ........................8,329,259 ....................120,229,214 .................1,594,220,388 ....................906,687,66618.2 Products liability - claims-made......................................................... ......................12,980,865 ......................................0 ...........................750,000 ......................12,230,865 ......................35,394,733 ...........................109,056 ........................7,247,348 ......................40,487,306 ......................24,993,283

19.1, 19.2 Private passenger auto liability.......................................................... .................1,082,720,305 ......................50,800,979 ......................34,306,865 .................1,099,214,419 ....................771,394,388 ......................23,791,521 ......................56,192,768 .................1,838,207,560 ....................403,750,13019.3, 19.4 Commercial auto liability.................................................................... .................1,101,021,536 ......................49,710,808 ....................114,918,083 .................1,035,814,261 ....................875,896,451 ......................26,250,587 ....................125,368,493 .................1,812,592,805 ....................298,675,201

21. Auto physical damage....................................................................... ......................63,963,944 ........................3,722,116 ........................1,979,643 ......................65,706,417 ......................40,921,116 .......................(2,840,849) ......................10,170,690 ......................93,615,994 ......................53,196,55422. Aircraft (all perils)............................................................................... ......................27,904,590 ........................5,897,342 ......................27,705,611 ........................6,096,321 ......................25,690,724 ......................13,044,664 ......................27,294,585 ......................17,537,124 ........................6,432,26323. Fidelity............................................................................................... ......................48,601,477 ........................5,545,736 ......................19,540,019 ......................34,607,194 ....................112,947,365 ........................5,426,494 ......................30,471,749 ....................122,509,305 ......................66,951,50324. Surety................................................................................................ ....................328,953,545 ......................17,806,033 ....................106,524,890 ....................240,234,688 ....................636,414,011 ......................31,303,643 ......................74,166,687 ....................833,785,655 ....................332,247,71526. Burglary and theft.............................................................................. ...........................555,652 ...............................7,318 .............................43,923 ...........................519,047 ......................32,993,165 .............................46,307 ........................4,605,050 ......................28,953,469 ......................12,272,84427. Boiler and machinery......................................................................... ......................10,628,558 ........................6,261,188 ........................4,287,567 ......................12,602,179 ......................24,476,162 ......................10,145,010 ........................7,213,325 ......................40,010,026 ........................7,846,15428. Credit................................................................................................. ......................................0 ........................5,547,955 ......................................0 ........................5,547,955 ..................................271 ........................2,794,937 ..................................270 ........................8,342,893 ...........................426,62429. International....................................................................................... ......................................0 ........................3,662,321 ......................................0 ........................3,662,321 .............................54,181 ........................4,887,975 ......................................0 ........................8,604,477 .............................62,95430. Warranty............................................................................................ ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................031. Reinsurance - nonproportional assumed property............................ ................XXX.................. ......................73,360,674 ......................36,935,921 ......................36,424,753 ................XXX.................. ......................27,216,653 ......................21,129,274 ......................42,512,133 ........................2,055,00332. Reinsurance - nonproportional assumed liability............................... ................XXX.................. ....................631,643,453 ......................85,156,733 ....................546,486,720 ................XXX.................. ....................500,254,844 ......................48,929,686 ....................997,811,878 ......................52,670,93933. Reinsurance - nonproportional assumed financial lines.................... ................XXX.................. ........................5,756,620 ...........................281,209 ........................5,475,411 ................XXX.................. ......................18,919,335 ........................1,636,162 ......................22,758,583 ...........................832,85434. Aggregate write-ins for other lines of business.................................. .............................67,808 ...........................119,823 ...........................119,823 .............................67,808 ...........................242,640 ...........................428,770 ...........................428,770 ...........................310,448 .............................56,77335. TOTALS............................................................................................. ...............15,506,410,788 .................1,621,771,847 .................3,511,737,825 ...............13,616,444,810 ...............19,265,984,032 .................1,366,218,370 .................3,545,619,432 ...............30,703,027,780 .................7,412,814,137

DETAILS OF WRITE-INS3401. Combined write-ins for U&I Part 2A Line 33...................................... .............................67,808 ...........................119,823 ...........................119,823 .............................67,808 ...........................242,640 ...........................428,770 ...........................428,770 ...........................310,448 .............................56,7733402. ........................................................................................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... .........................................3403. ........................................................................................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... .........................................3498. Summary of remaining write-ins for Line 34 from overflow page...... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... .........................................3499. Totals (Lines 3401 thru 3403 plus 3498) (Line 34 above)................. .............................67,808 ...........................119,823 ...........................119,823 .............................67,808 ...........................242,640 ...........................428,770 ...........................428,770 ...........................310,448 .............................56,773

(a) Including $..........0 for present value of life indemnity claims.

Page 11: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

11

UNDERWRITING AND INVESTMENT EXHIBIT PART 3 - EXPENSES

1 2 3 4Other

Loss Adjustment Underwriting InvestmentExpenses Expenses Expenses Total

1. Claim adjustment services:

1.1 Direct................................................................................................................................ .............1,281,905,889 ..................................0 ..................................0 .............1,281,905,889

1.2 Reinsurance assumed..................................................................................................... ..................10,009,518 ..................................0 ..................................0 ..................10,009,518

1.3 Reinsurance ceded.......................................................................................................... ..................71,682,979 ..................................0 ..................................0 ..................71,682,979

1.4 Net claim adjustment services (1.1 + 1.2 - 1.3)............................................................... .............1,220,232,428 ..................................0 ..................................0 .............1,220,232,428

2. Commission and brokerage:

2.1 Direct excluding contingent.............................................................................................. ..................................0 .............3,213,045,243 ..................................0 .............3,213,045,243

2.2 Reinsurance assumed excluding contingent................................................................... ..................................0 ..................89,737,075 ..................................0 ..................89,737,075

2.3 Reinsurance ceded excluding contingent........................................................................ ..................................0 ................165,875,211 ..................................0 ................165,875,211

2.4 Contingent - direct............................................................................................................ ..................................0 ..................31,463,946 ..................................0 ..................31,463,946

2.5 Contingent - reinsurance assumed.................................................................................. ..................................0 ....................4,322,786 ..................................0 ....................4,322,786

2.6 Contingent - reinsurance ceded....................................................................................... ..................................0 ....................4,753,786 ..................................0 ....................4,753,786

2.7 Policy and membership fees............................................................................................ ..................................0 ..................................0 ..................................0 ..................................0

2.8 Net commission and brokerage (2.1 + 2.2 - 2.3 + 2.4 + 2.5 - 2.6 + 2.7).......................... ..................................0 .............3,167,940,053 ..................................0 .............3,167,940,053

3. Allowances to managers and agents....................................................................................... ..................................0 ....................3,303,814 ..................................0 ....................3,303,814

4. Advertising............................................................................................................................... .........................42,072 ................129,144,509 ..................................0 ................129,186,581

5. Boards, bureaus and associations........................................................................................... ....................5,355,811 ..................77,146,348 .........................10,774 ..................82,512,933

6. Surveys and underwriting reports............................................................................................ ...........................1,548 ..................82,417,159 ..................................0 ..................82,418,707

7. Audit of assureds' records........................................................................................................ ..................................0 ..................................0 ..................................0 ..................................0

8. Salary and related items:

8.1 Salaries............................................................................................................................ ................731,474,463 .............1,511,817,046 ..................23,005,967 .............2,266,297,476

8.2 Payroll taxes.................................................................................................................... ..................53,934,524 ..................99,376,318 .......................958,570 ................154,269,412

9. Employee relations and welfare............................................................................................... ................121,926,745 ................220,646,117 ....................2,016,858 ................344,589,720

10. Insurance................................................................................................................................. ..................79,476,031 ..................22,463,441 .........................27,159 ................101,966,631

11. Directors' fees.......................................................................................................................... ..................................0 ..................................0 ..................................0 ..................................0

12. Travel and travel items............................................................................................................. ..................40,894,850 ..................80,733,467 .......................527,194 ................122,155,511

13. Rent and rent items.................................................................................................................. ..................47,537,024 ................107,871,500 .......................828,387 ................156,236,911

14. Equipment................................................................................................................................ ....................9,641,155 ..................35,114,980 ....................1,530,860 ..................46,286,995

15. Cost or depreciation of EDP equipment and software............................................................. ..................20,063,685 ................252,231,702 .......................620,691 ................272,916,078

16. Printing and stationery............................................................................................................. ....................5,859,352 ..................15,942,167 .......................103,799 ..................21,905,318

17. Postage, telephone and telegraph, exchange and express..................................................... ..................14,418,055 ..................97,089,329 .......................156,157 ................111,663,541

18. Legal and auditing.................................................................................................................... ..................34,673,361 ..................56,063,933 ....................6,108,250 ..................96,845,544

19. Totals (Lines 3 to 18)............................................................................................................... .............1,165,298,676 .............2,791,361,830 ..................35,894,666 .............3,992,555,172

20. Taxes, licenses and fees:

20.1 State and local insurance taxes deducting guaranty association credits of $.....7,207,965............................................................................................................. ..................................0 ................477,115,372 ..................................0 ................477,115,372

20.2. Insurance department licenses and fees...................................................................... ..................................0 ..................51,765,001 ..................................0 ..................51,765,001

20.3. Gross guaranty association assessments.................................................................... ..................................0 ...................(7,506,217) ..................................0 ...................(7,506,217)

20.4. All other (excluding federal and foreign income and real estate).................................. ..................................0 ..................21,673,229 ..................................0 ..................21,673,229

20.5. Total taxes, licenses and fees (20.1 + 20.2 + 20.3 + 20.4)........................................... ..................................0 ................543,047,386 ..................................0 ................543,047,386

21. Real estate expenses.............................................................................................................. ..................................0 ..................................0 ..................91,585,125 ..................91,585,125

22. Real estate taxes..................................................................................................................... ..................................0 ..................................0 ....................9,434,079 ....................9,434,079

23. Reimbursements by uninsured plans....................................................................................... ..................................0 ..................................0 ..................................0 ..................................0

24. Aggregate write-ins for miscellaneous expenses..................................................................... ....................2,976,676 ..................80,140,983 ....................4,034,196 ..................87,151,854

25. Total expenses incurred........................................................................................................... .............2,388,507,779 .............6,582,490,251 ................140,948,066 (a)........9,111,946,096

26. Less unpaid expenses - current year....................................................................................... .............7,412,814,137 .............1,494,861,037 ..................11,535,655 .............8,919,210,829

27. Add unpaid expenses - prior year............................................................................................ .............7,544,651,516 .............1,590,977,934 ..................11,820,417 .............9,147,449,867

28. Amounts receivable relating to uninsured plans, prior year..................................................... ..................................0 ..................................0 ..................................0 ..................................0

29. Amounts receivable relating to uninsured plans, current year................................................. ..................................0 ..................................0 ..................................0 ..................................0

30. TOTAL EXPENSES PAID (Lines 25 - 26 + 27 - 28 + 29)................................................... .............2,520,345,158 .............6,678,607,149 ................141,232,827 .............9,340,185,134

DETAILS OF WRITE-INS2401. Combined write-ins for U&I Part 3 Line 24............................................................................... ....................2,976,676 ..................80,140,983 ....................4,034,196 ..................87,151,854

2402. ................................................................................................................................................. ..................................... ..................................... ..................................... .....................................

2403. ................................................................................................................................................. ..................................... ..................................... ..................................... .....................................

2498. Summary of remaining write-ins for Line 24 from overflow page............................................. ..................................... ..................................... ..................................... .....................................

2499. Totals (Lines 2401 thru 2403 plus 2498) (Line 24 above)....................................................... ....................2,976,676 ..................80,140,983 ....................4,034,196 ..................87,151,854

(a) Includes management fees of $..........0 to affiliates and $..........0 to non-affiliates.

Page 12: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

12

EXHIBIT OF NET INVESTMENT INCOME1 2

Collected EarnedDuring Year During Year

1. U.S. government bonds................................................................................................................................................................... (a)........................118,404,669 ............................113,413,5711.1 Bonds exempt from U.S. tax............................................................................................................................................................ (a).....................1,579,023,448 .........................1,566,782,9611.2 Other bonds (unaffiliated)................................................................................................................................................................ (a)........................931,829,844 ............................927,644,9411.3 Bonds of affiliates............................................................................................................................................................................ (a)..........................................0 ..............................................02.1 Preferred stocks (unaffiliated).......................................................................................................................................................... (b)..........................13,601,524 ..............................13,483,918

2.11 Preferred stocks of affiliates............................................................................................................................................................ (b)..........................................0 ..............................................02.2 Common stocks (unaffiliated).......................................................................................................................................................... ..............................13,925,624 ..............................13,978,749

2.21 Common stocks of affiliates............................................................................................................................................................. ............................249,849,070 ............................249,849,0703. Mortgage loans................................................................................................................................................................................ (c)............................7,780,021 ................................7,698,4284. Real estate...................................................................................................................................................................................... (d)........................179,635,924 ............................179,635,9245. Contract loans................................................................................................................................................................................. ..............................................0 ..............................................06. Cash, cash equivalents and short-term investments....................................................................................................................... (e)............................3,979,801 ................................4,177,4377. Derivative instruments..................................................................................................................................................................... (f)...........................................0 ..............................................08. Other invested assets...................................................................................................................................................................... ............................306,440,059 ............................307,797,0149. Aggregate write-ins for investment income..................................................................................................................................... ................................9,886,042 ................................9,886,042

10. Total gross investment income........................................................................................................................................................ .........................3,414,356,026 .........................3,394,348,05511. Investment expenses........................................................................................................................................................................................................................... (g)........................140,948,06712. Investment taxes, licenses and fees, excluding federal income taxes................................................................................................................................................ (g)..........................................013. Interest expense.................................................................................................................................................................................................................................. (h)............................1,294,47614. Depreciation on real estate and other invested assets........................................................................................................................................................................ (i)...........................39,724,77315. Aggregate write-ins for deductions from investment income............................................................................................................................................................... ................................1,132,32016. Total deductions (Lines 11 through 15)............................................................................................................................................................................................... ............................183,099,63617. Net investment income (Line 10 minus Line 16)................................................................................................................................................................................. .........................3,211,248,419

DETAILS OF WRITE-INS0901. Combined write-ins for Assets Line 9.............................................................................................................................................. ................................9,886,042 ................................9,886,0420902. ......................................................................................................................................................................................................... ................................................. .................................................0903. ......................................................................................................................................................................................................... ................................................. .................................................0998. Summary of remaining write-ins for Line 9 from overflow page...................................................................................................... ................................................. .................................................0999. Totals (Lines 0901 thru 0903 plus 0998) (Line 9 above)................................................................................................................. ................................9,886,042 ................................9,886,0421501. Combined write-ins for Assets Line 15................................................................................................................................................................................................ ................................1,132,3201502. ............................................................................................................................................................................................................................................................. .................................................1503. ............................................................................................................................................................................................................................................................. .................................................1598. Summary of remaining write-ins for Line 15 from overflow page........................................................................................................................................................ .................................................1599. Totals (Lines 1501 thru 1503 plus 1598) (Line 15 above)................................................................................................................................................................... ................................1,132,320

(a) Includes $.....67,259,525 accrual of discount less $.....352,452,723 amortization of premium and less $.....37,503,286 paid for accrued interest on purchases.(b) Includes $.....971,820 accrual of discount less $..........0 amortization of premium and less $..........0 paid for accrued dividends on purchases.(c) Includes $..........0 accrual of discount less $..........0 amortization of premium and less $..........0 paid for accrued interest on purchases.(d) Includes $.....60,378,533 for company's occupancy of its own buildings; and excludes $..........0 interest on encumbrances.(e) Includes $.....192,717 accrual of discount less $.....1,234,849 amortization of premium and less $.....46,924 paid for accrued interest on purchases.(f) Includes $..........0 accrual of discount less $..........0 amortization of premium.(g) Includes $..........0 investment expenses and $..........0 investment taxes, licenses and fees, excluding federal income taxes, attributable to Segregated and Separate Accounts.(h) Includes $..........0 interest on surplus notes and $..........0 interest on capital notes.(i) Includes $.....39,724,773 depreciation on real estate and $..........0 depreciation on other invested assets.

EXHIBIT OF CAPITAL GAINS (LOSSES)1 2 3 4 5

Realized Change inGain (Loss) Other Total Realized Change in Unrealized

on Sales Realized Capital Gain (Loss) Unrealized Foreign Exchangeor Maturity Adjustments (Columns 1 + 2) Capital Gain (Loss) Capital Gain (Loss)

1. U.S. government bonds................................................................ .......................572,639 ........................(28,463) .......................544,176 .................................(2) ..................................01.1 Bonds exempt from U.S. tax......................................................... ..................65,030,990 ........................(58,458) ..................64,972,531 ....................1,803,006 ..................................01.2 Other bonds (unaffiliated).............................................................. ..................65,691,469 .................(25,877,971) ..................39,813,499 ..................41,812,499 ..................15,303,0191.3 Bonds of affiliates.......................................................................... ..................................0 ..................................0 ..................................0 ..................................0 ..................................02.1 Preferred stocks (unaffiliated)....................................................... ....................4,305,998 ........................(98,000) ....................4,207,998 ....................2,322,901 ..................................0

2.11 Preferred stocks of affiliates.......................................................... ..................................0 ..................................0 ..................................0 ..................................0 ..................................02.2 Common stocks (unaffiliated)........................................................ ................239,342,771 ...................(1,229,848) ................238,112,923 ...............(206,830,631) ..........................(2,890)

2.21 Common stocks of affiliates.......................................................... ................121,124,508 ..................................0 ................121,124,508 ...............(304,333,312) ..................................03. Mortgage loans............................................................................. ..................................0 .................(14,204,794) .................(14,204,794) ..................................0 ..................................04. Real estate.................................................................................... ....................3,049,312 ..................................0 ....................3,049,312 ..................................0 ..................................05. Contract loans............................................................................... ..................................0 ..................................0 ..................................0 ..................................0 ..................................06. Cash, cash equivalents and short-term investments.................... ........................(64,797) .......................463,457 .......................398,661 ......................(626,250) .........................21,6887. Derivative instruments................................................................... .................(34,903,717) ..................................0 .................(34,903,717) ....................5,036,672 ..................................08. Other invested assets................................................................... ...................(5,520,684) ...............(305,998,300) ...............(311,518,984) ................305,836,869 ...................(4,080,480)9. Aggregate write-ins for capital gains (losses)............................... ...............(174,101,709) ......................(330,503) ...............(174,432,212) ................158,770,582 ...................(2,604,603)10. Total capital gains (losses)............................................................ ................284,526,780 ...............(347,362,880) .................(62,836,101) ....................3,792,335 ....................8,636,734

DETAILS OF WRITE-INS0901. Combined write-ins for Assets Line 9............................................ ...............(174,101,709) ......................(330,503) ...............(174,432,212) ................158,770,582 ...................(2,604,603)0902. ...................................................................................................... ..................................... ..................................... ..................................... ..................................... .....................................0903. ...................................................................................................... ..................................... ..................................... ..................................... ..................................... .....................................0998. Summary of remaining write-ins for Line 9 from overflow page.... ..................................... ..................................... ..................................... ..................................... .....................................0999. Totals (Lines 0901 thru 0903 plus 0998) (Line 9 above)............... ...............(174,101,709) ......................(330,503) ...............(174,432,212) ................158,770,582 ...................(2,604,603)

Page 13: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

20

SCHEDULE F-PART 1Assumed Reinsurance as of December 31, Current Year (000 Omitted)

1 2 3 4 5 Reinsurance On 8 9 10 11 12 13 14 156 7 Amount of Assets Amount of

Funds Held by Pledged or AssetsFederal NAIC Paid Losses and Known Case Contingent Assumed or Deposited Letters of Compensating Pledged or

ID Company Domiciliary Assumed Loss Adjustment Losses Cols. Commissions Premiums Unearned With Reinsured Credit Balances to Secure CollateralNumber Code Name of Reinsured Jurisdiction Premium Expenses and LAE 6 + 7 Payable Receivable Premium Companies Posted Letters of Credit Held in Trust

Affiliated - U. S. Intercompany Pooling:0199999. Affiliated - U. S. Intercompany Pooling.......................................................................................................................... ......................0 ........................0 ......................0 ........................0 ........................0 ........................0 ........................0 ........................0 .....................0 ...........................0 ........................0Affiliated - U.S. Non-Pool:0299999. Affiliated - U.S. Non-Pool............................................................................................................................................... ......................0 ....................874 ......................0 ....................874 ........................0 .................3,599 ........................0 .................1,001 .....................0 ...........................0 ........................0Affiliated - Other (Non-U. S.):0399999. Affiliated - Other (Non-U. S.).......................................................................................................................................... .............26,108 ........................0 .............16,838 ...............16,838 ........................0 .................3,036 ...............13,857 ........................0 .....................0 ...........................0 ........................00499999. Total Affiliates................................................................................................................................................................ .............26,108 ....................874 .............16,838 ...............17,712 ........................0 .................6,635 ...............13,857 .................1,001 .....................0 ...........................0 ........................0Other U.S. Unaffiliated Insurers0599998. Other U. S. Unaffiliated Insurers for which the total of column 8 is less than $100,000................................................ .............62,925 ......................95 ...............6,398 .................6,493 .................1,153 ...............10,429 ...............31,407 .................2,640 .....................0 ...........................0 ........................00599999. Other U. S. Unaffiliated Insurers.................................................................................................................................... ...........432,737 .................3,104 ...........768,407 .............771,511 .................4,766 ...............83,464 .............163,127 .................8,003 .....................0 ...........................0 .................9,072Pools and Associations - Mandatory Pools:0699998. Pools and Associations for which the total of column 8 is less than $100,000-Mandatory Pools and Associations...... .............15,418 ........................0 ...............2,132 .................2,132 ........................0 ........................0 ...............19,399 ........................0 .....................0 ...........................0 ........................00699999. Pools and Associations - Mandatory Pools.................................................................................................................... .............89,879 ........................0 ...........460,941 .............460,941 ........................0 ........................0 ...............44,409 ........................0 .....................0 ...........................0 ........................0Pools and Associations - Voluntary Pools:0799998. Pools and Associations for which the total of column 8 is less than $100,000-Voluntary Pools and Associations....... ...............4,052 ........................0 ..................489 ....................489 ........................0 .....................(74) .................2,040 ....................118 .....................0 ...........................0 ........................00799999. Pools and Associations - Voluntary Pools..................................................................................................................... .............10,018 .................2,708 ...........187,042 .............189,751 ........................0 ................(2,072) .................3,006 .................1,386 .....................0 ..................30,118 .............167,5930899999. Total Pools and Associations......................................................................................................................................... .............99,898 .................2,708 ...........647,984 .............650,692 ........................0 ................(2,072) ...............47,415 .................1,386 .....................0 ..................30,118 .............167,593Other Non-U. S. Insurers:0999998. Other Non-U. S. Insurers for which the total of column 8 is less than $100,000........................................................... .............24,796 ......................27 ...............8,387 .................8,414 ....................176 .................6,691 .................8,469 .................5,918 .................170 ...........................0 ........................00999999. Other Non-U. S. Insurers............................................................................................................................................... .............28,776 .................2,363 ...........216,730 .............219,094 ....................848 .................8,964 .................9,067 ...............22,891 ..............1,105 ...........................0 ........................09999999. Totals............................................................................................................................................................................. ...........587,519 .................9,050 ........1,649,959 ..........1,659,009 .................5,614 ...............96,991 .............233,466 ...............33,280 ..............1,105 ..................30,118 .............176,665

Page 14: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

21

SCHEDULE F - PART 2Premium Portfolio Reinsurance Effected or (Canceled) during Current Year

1 2 3 4 5 6Federal NAIC

ID CompanyNumber Code Name of Company Date of Contract Original Premium Reinsurance Premium

Reinsurance Ceded:0199999. Total Reinsurance Ceded by Portfolio.............................................................................................................. ..................................................0 ..................................................0

Reinsurance Assumed:0299999. Total Reinsurance Assumed by Portfolio.......................................................................................................... ..................................................0 ..................................................0

Page 15: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

22

SCHEDULE F - PART 3Ceded Reinsurance as of December 31, Current Year (000 Omitted)

1 2 3 4 5 6 Reinsurance Recoverable on Reinsurance Payable 18 19Reinsurance 7 8 9 10 11 12 13 14 15 16 17

Contracts Net Amount Funds HeldCeding 75% or Known Known Other Recoverable By Company

Federal NAIC More of Direct Reinsurance Case Case IBNR IBNR Cols. Ceded Amounts From UnderID Company Domiciliary Premiums Premiums Paid Paid Loss LAE Loss LAE Unearned Contingent 7 thru 14 Balances Due to Reinsurers Reinsurance

Number Code Name of Reinsurer Jurisdiction Written Ceded Losses LAE Reserves Reserves Reserves Reserves Premiums Commissions Totals Payable Reinsurers Col. 15-[16+17] TreatiesAuthorizedAffiliates-U.S. Intercompany Pooling

0199999. Total Authorized Affiliates - U.S. Intercompany Pooling............................................................................................................... ................0 ..............0 ..............0 ................0 ................0 ................0 ................0 ................0 .................0 ..................0 ................0 ................0 .....................0 ..................0Affiliates-U.S. Non-Pool

0299999. Total Authorized Affiliates - U.S. Non-Pool.................................................................................................................................. ................0 .......2,297 ..............0 ................0 ................0 ................0 ................0 ................0 .................0 ...........2,297 .........2,818 ................0 ................(521) ..............296Affiliates-Other (Non-U.S.)

0399999. Total Authorized Affiliates - Other (Non-U.S.).............................................................................................................................. .........4,039 ............40 ............36 .........1,048 ............102 .........1,848 ............173 .........2,529 .................0 ...........5,775 ............244 ................0 ..............5,531 ..................00499999. Total Authorized Affiliates............................................................................................................................................................. .........4,039 .......2,337 ............36 .........1,048 ............102 .........1,848 ............173 .........2,529 .................0 ...........8,073 .........3,062 ................0 ..............5,011 ..............296

Other U.S. Unaffiliated Insurers0599998. Total Authorized Other U.S. Unaffiliated Insurers (Under $100,000)........................................................................................... ...........(844) .........(201) ..........257 .........1,683 ............213 ............816 ............160 ............246 .................0 ...........3,174 .........1,509 ................0 ..............1,665 ..............5550599999. Total Authorized Other U.S. Unaffiliated Insurers........................................................................................................................ .....670,480 ...362,915 .....48,435 ..1,397,647 .....125,623 ..1,785,904 .....301,908 .....325,490 .............719 ....4,348,640 .....166,504 ................9 .......4,182,127 ...........5,586

Pools-Mandatory Pools0699999. Total Authorized Pools - Mandatory Pools................................................................................................................................... .....345,211 .....48,083 ............43 ..1,379,454 .........2,472 .....917,815 .........7,389 .....174,757 .................0 ....2,530,014 .........3,819 ................0 .......2,526,195 ..................0

Pools-Voluntary Pools0799999. Total Authorized Pools - Voluntary Pools..................................................................................................................................... ........(4,040) .....50,207 .......2,284 .....167,212 .......34,694 .......83,388 .......16,298 ............420 .................0 .......354,503 .........5,674 ................0 ..........348,829 ..............121

Other Non-U.S. Insurers0899998. Total Authorized Other Non-U.S. Insurers (Under $100,000)...................................................................................................... .........1,629 ..........498 ..........413 .........1,438 ............324 ........(1,629) .........2,031 ............735 .................0 ...........3,811 .........1,542 ................0 ..............2,269 ..............4240899999. Total Authorized Other Non-U.S. Insurers................................................................................................................................... .....172,893 .....32,602 .......6,503 .....177,105 .......15,876 .....243,266 .......45,538 .......69,314 .................1 .......590,206 .......61,294 ................0 ..........528,911 .........38,4240999999. Total Authorized........................................................................................................................................................................... ..1,188,585 ...496,144 .....57,301 ..3,122,466 .....178,766 ..3,032,222 .....371,307 .....572,511 .............720 ....7,831,435 .....240,353 ................9 .......7,591,073 .........44,428

UnauthorizedAffiliates-U.S. Intercompany Pooling

1099999. Total Unauthorized Affiliates - U.S. Intercompany Pooling.......................................................................................................... ................0 ..............0 ..............0 ................0 ................0 ................0 ................0 ................0 .................0 ..................0 ................0 ................0 .....................0 ..................0Affiliates-U.S. Non-Pool

1199999. Total Unauthorized Affiliates - U.S. Non-Pool.............................................................................................................................. ................0 ..............0 ..............0 ................0 ................0 ................0 ................0 ................0 .................0 ..................0 ................0 ................0 .....................0 ..................0Affiliates-Other (Non-U.S.)

1299999. Total Unauthorized Affiliates - Other (Non-U.S.).......................................................................................................................... .........9,709 ............53 ............12 .........1,621 ............191 .........5,810 ............388 .........5,730 .................0 .........13,806 ............652 ................0 ............13,154 ..................01399999. Total Unauthorized Affiliates........................................................................................................................................................ .........9,709 ............53 ............12 .........1,621 ............191 .........5,810 ............388 .........5,730 .................0 .........13,806 ............652 ................0 ............13,154 ..................0

Other U.S. Unaffiliated Insurers1499998. Total Unauthorized Other U.S. Unaffiliated Insurers (Under $100,000)....................................................................................... ............180 ............45 .............(2) .........2,744 ............115 ........(4,912) ...........(563) ............119 .................0 ..........(2,454) ..............16 ................0 .............(2,470) ..............1941499999. Total Unauthorized Other U.S. Unaffiliated Insurers.................................................................................................................... .......43,836 .......6,265 ............14 .......35,507 .........3,549 .......38,637 .........3,049 .......16,418 .................0 .......103,439 .........8,719 ................0 ............94,721 ...........5,228

Pools-Mandatory Pools1599999. Total Unauthorized Pools - Mandatory Pools............................................................................................................................... ................0 ..............0 ..............0 ................0 ................0 ................0 ................0 ................0 .................0 ..................0 ................0 ................0 .....................0 ..................0

Pools-Voluntary Pools1699999. Total Unauthorized Pools - Voluntary Pools................................................................................................................................. ............907 ..........254 ..............5 .........1,940 ..............27 .........2,484 ............412 ..............58 .................0 ...........5,179 ................0 ................0 ..............5,179 ..................3

Other Non-U.S. Insurers1799998. Total Unauthorized Other Non-U.S. Insurers (Under $100,000).................................................................................................. ............869 .........(627) .............(3) .........1,069 ...........(261) ............426 ............219 ............720 ...............14 ...........1,558 .........1,797 ................0 ................(239) ...........1,2081799999. Total Unauthorized Other Non-U.S. Insurers............................................................................................................................... .....291,312 ...105,846 .......3,609 .....350,204 .......26,801 .....466,468 .......67,108 .....145,995 .............120 ....1,166,150 .....101,304 ................0 .......1,064,846 .......256,3161899999. Total Unauthorized....................................................................................................................................................................... .....345,765 ...112,418 .......3,640 .....389,271 .......30,568 .....513,398 .......70,958 .....168,202 .............120 ....1,288,575 .....110,675 ................0 .......1,177,899 .......261,5461999999. Total Authorized and Unauthorized.............................................................................................................................................. ..1,534,349 ...608,561 .....60,941 ..3,511,737 .....209,334 ..3,545,620 .....442,264 .....740,713 .............840 ....9,120,009 .....351,028 ................9 .......8,768,972 .......305,9752099999. Total Protected Cells.................................................................................................................................................................... ................0 ..............0 ..............0 ................0 ................0 ................0 ................0 ................0 .................0 ..................0 ................0 ................0 .....................0 ..................09999999. Totals............................................................................................................................................................................................ ..1,534,349 ...608,561 .....60,941 ..3,511,737 .....209,334 ..3,545,620 .....442,264 .....740,713 .............840 ....9,120,009 .....351,028 ................9 .......8,768,972 .......305,975

Note A: Report the five largest provisional commission rates included in the cedant's reinsurance treaties. The commission rate to be reported is by Note B: Report the five largest reinsurance recoverables reported in Column 15, due from any one reinsurer (based on the total recoverables, Line 9999999,contract with ceded premium in excess of $50,000. Column 15), the amount of ceded premium, and indicate whether the recoverables are due from an affiliated insurer.

1 2 3 1 2 3 4Commission Ceded Total Ceded

Name of Reinsurer Rate Premium Name of Reinsurer Recoverables Premiums Affiliated(1) COLONNADE VERMONT INSURANCE COMPANY............................................................ ................42.0 ..............56 (1) NATIONAL WORKERS COMP REINSURANCE POOL...................................... ..1,932,315 .......77,694 Yes [ ] No [ X ](2) MITSUI SUMITOMO INSURANCE CO OF AMERICA.......................................................... ................37.0 .........4,634 (2) MUNICH REINSURANCE AMERICA INC........................................................... .....737,214 .......91,276 Yes [ ] No [ X ](3) TOKIO MARINE & NICHIDO FIRE INS CO LTD US B.......................................................... ................37.0 .........1,086 (3) SWISS REINSURANCE AMERICA CORPORATION.......................................... .....575,887 .....147,702 Yes [ ] No [ X ](4) MITSUI SUMITOMO INSURANCE CO OF AMERICA.......................................................... ................37.0 .........1,018 (4) TRANSATLANTIC REINSURANCE COMPANY.................................................. .....398,634 .......75,712 Yes [ ] No [ X ](5) TOKIO MARINE & NICHIDO FIRE INS CO LTD US B.......................................................... ................37.0 ............751 (5) XL REINSURANCE AMERICA INC..................................................................... .....276,491 .......28,440 Yes [ ] No [ X ]

Page 16: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

23

SCHEDULE F - PART 4Aging of Ceded Reinsurance as of December 31, Current Year (000 Omitted)

1 2 3 4 Reinsurance Recoverable on Paid Losses and Paid Loss Adjustment Expenses 12 135 Overdue 11 Percentage

6 7 8 9 10 more thanFederal NAIC Total Percentage 120 Days

ID Company Domiciliary Total Overdue Due Overdue OverdueNumber Code Name of Reinsurer Jurisdiction Current 1 to 29 Days 30 to 90 Days 91 to 120 Days Over 120 Days Cols. 6 + 7 + 8 + 9 Cols. 5 + 10 Col. 10 / Col. 11 Col. 9 / Col. 11

AuthorizedAffiliates-U.S. Intercompany Pooling

0199999. Total Authorized - Affiliates - U.S. Intercompany Pooling.................................................................................................................. ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 .....................0.0 .....................0.0Affiliates-U.S. Non-Pool

0299999. Total Authorized - Affiliates - U.S. Non-Pool...................................................................................................................................... ...................1,211 ........................25 ......................172 ..........................0 ......................889 ...................1,086 ...................2,297 ...................47.3 ...................38.7Affiliates-Other (Non-U.S.)

0399999. Total Authorized - Affiliates - Other (Non-U.S.).................................................................................................................................. ........................76 ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 ........................76 .....................0.0 .....................0.00499999. Total Authorized - Affiliates................................................................................................................................................................ ...................1,287 ........................25 ......................172 ..........................0 ......................889 ...................1,086 ...................2,373 ...................45.8 ...................37.5

Other U.S. Unaffiliated Insurers0599999. Total Authorized - Other U.S. Unaffiliated Insurers............................................................................................................................ .................94,266 ...................8,012 .................18,584 ...................1,559 ...............288,928 ...............317,083 ...............411,349 ...................77.1 ...................70.2

Pools-Mandatory Pools0699999. Total Authorized - Pools - Mandatory Pools...................................................................................................................................... .................48,126 ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 .................48,126 .....................0.0 .....................0.0

Pools-Voluntary Pools0799999. Total Authorized - Pools - Voluntary Pools........................................................................................................................................ ......................937 ..........................0 ......................703 ..........................0 .................50,850 .................51,553 .................52,491 ...................98.2 ...................96.9

Other Non-U.S. Insurers0899999. Total Authorized - Other Non-U.S. Insurers....................................................................................................................................... .................12,755 ...................3,402 ...................3,587 ......................182 .................19,180 .................26,351 .................39,105 ...................67.4 ...................49.00999999. Total Authorized................................................................................................................................................................................. ...............157,371 .................11,438 .................23,046 ...................1,741 ...............359,847 ...............396,073 ...............553,444 ...................71.6 ...................65.0

UnauthorizedAffiliates-U.S. Intercompany Pooling

1099999. Total Unauthorized - Affiliates - U.S. Intercompany Pooling.............................................................................................................. ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 .....................0.0 .....................0.0Affiliates-U.S. Non-Pool

1199999. Total Unauthorized - Affiliates - U.S. Non-Pool.................................................................................................................................. ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 .....................0.0 .....................0.0Affiliates-Other (Non-U.S.)

1299999. Total Unauthorized - Affiliates - Other (Non-U.S.)............................................................................................................................. ........................65 ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 ........................65 .....................0.0 .....................0.01399999. Total Unauthorized - Affiliates............................................................................................................................................................ ........................65 ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 ........................65 .....................0.0 .....................0.0

Other U.S. Unaffiliated Insurers1499999. Total Unauthorized - Other U.S. Unaffiliated Insurers....................................................................................................................... ........................82 ........................13 ..........................1 ..........................0 ...................6,183 ...................6,198 ...................6,280 ...................98.7 ...................98.5

Pools-Mandatory Pools1599999. Total Unauthorized - Pools - Mandatory Pools.................................................................................................................................. ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 .....................0.0 .....................0.0

Pools-Voluntary Pools1699999. Total Unauthorized - Pools - Voluntary Pools.................................................................................................................................... .....................(119) ..........................0 .........................(1) ..........................0 ......................378 ......................378 ......................259 .................146.0 .................146.1

Other Non-U.S. Insurers1799999. Total Unauthorized - Other Non-U.S. Insurers................................................................................................................................... ...................7,734 ...................3,828 ...................1,087 ...................7,062 .................89,742 ...............101,720 ...............109,454 ...................92.9 ...................82.01899999. Total Unauthorized............................................................................................................................................................................. ...................7,762 ...................3,841 ...................1,088 ...................7,063 .................96,303 ...............108,295 ...............116,057 ...................93.3 ...................83.01999999. Total Authorized and Unauthorized................................................................................................................................................... ...............165,133 .................15,279 .................24,135 ...................8,804 ...............456,150 ...............504,368 ...............669,501 ...................75.3 ...................68.12099999. Total Protected Cells.......................................................................................................................................................................... ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 ..........................0 .....................0.0 .....................0.09999999. Totals................................................................................................................................................................................................. ...............165,133 .................15,279 .................24,135 ...................8,804 ...............456,150 ...............504,368 ...............669,501 ...................75.3 ...................68.1

Page 17: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

24

SCHEDULE F - PART 5Provision for Unauthorized Reinsurance as of December 31, Current Year (000 Omitted)

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17Smaller of Total

Reinsurance Recoverable Col. 11 Provision forRecoverable Funds Held Sum of Paid Losses & or 20% of Unauthorized

all Items By Company Other Columns LAE Expenses Amount in ReinsuranceFederal NAIC Schedule Under Letters Ceded Allowed 6 thru 10 but Subtotal Over 90 Days 20% Smaller of Dispute Smaller of

ID Company Domiciliary F, Part 3, Reinsurance of Balances Miscellaneous Offset not in excess Col. 5 minus Past Due not of Amount Col. 11 or Included Col. 5 or Cols.Number Code Name of Reinsurer Jurisdiction Col. 15 Treaties Credit Payable Balances Items of Column 5 Col. 11 in Dispute in Col. 13 Col. 14 in Col. 5 12 + 15 + 16

Affiliates-U.S. Intercompany Pooling0199999. Total Affiliates - U.S. Intercompany Pooling......................................................................................................... ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ....................0 ..................0 ..................0 ....................0 ....................0

Affiliates-U.S. Non-Pool0299999. Total Affiliates - U.S. Non-Pool............................................................................................................................. ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ....................0 ..................0 ..................0 ....................0 ....................0

Affiliates-Other Non-U.S. Insurers0399999. Total Affiliates - Other Non-U.S. Insurers............................................................................................................. ..........13,806 ...................0 ...................0 ...............652 ...................0 ...................0 ...............652 ..........13,154 ....................0 ..................0 ..................0 ....................0 ...........13,1540499999. Total Affiliates....................................................................................................................................................... ..........13,806 ...................0 ...................0 ...............652 ...................0 ...................0 ...............652 ..........13,154 ....................0 ..................0 ..................0 ....................0 ...........13,154

Other U.S. Unaffiliated Insurers0599999. Total Other U.S. Unaffiliated Insurers................................................................................................................... ........103,439 ............5,228 ..........47,663 ............8,719 ...................0 ..........94,624 ..........91,724 ..........11,716 .............6,183 ...........1,237 ..................0 ....................0 ...........11,659

Pools and Associations-Mandatory0699999. Total Pools and Associations - Mandatory........................................................................................................... ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ....................0 ..................0 ..................0 ....................0 ....................0

Pools and Associations-Voluntary0799999. Total Pools and Associations - Voluntary............................................................................................................. ............5,179 ...................3 ...................0 ...................0 ...................0 ...................0 .............(121) ............5,300 ................378 ................76 ..................0 ....................0 .............5,300

Other Non-U.S. Insurers0899999. Total Other Non-U.S. Insurers.............................................................................................................................. .....1,166,150 ........256,316 .....1,068,474 ........101,304 ...................0 ........125,618 .....1,072,247 ..........93,903 .............1,482 ..............296 ..............265 ...........19,670 .........113,7180999999. Total Affiliates and Others.................................................................................................................................... .....1,288,575 ........261,546 .....1,116,138 ........110,675 ...................0 ........220,242 .....1,164,502 ........124,072 .............8,044 ...........1,609 ..............265 ...........19,670 .........143,8311099999. Total Protected Cells............................................................................................................................................ ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ....................0 ..................0 ..................0 ....................0 ....................09999999. Totals.................................................................................................................................................................... .....1,288,575 ........261,546 .....1,116,138 ........110,675 ...................0 ........220,242 .....1,164,502 ........124,072 .............8,044 ...........1,609 ..............265 ...........19,670 .........143,831

1. Amounts in dispute totalling $.....98,350 are included in Column 5.2. Amounts in dispute totalling $.....95,322 are excluded from Column 13.3. Column 5 excludes $..........0 recoverables on ceded IBNR on contracts in force prior to July 1, 1984 and not subsequently renewed.

Page 18: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

25

SCHEDULE F - PART 6Provision for Overdue Authorized Reinsurance as of December 31, Current Year

1 2 3 4 5 6 7 8 9 10 11Reinsurance Amounts in Dispute

Recoverable on Total Reinsurance Amounts Amounts in Col. 4 Excluded from Col. 4Federal NAIC Paid Losses and LAE Recoverable on Received for Companies for Companies 20% of Amount

ID Company more than 90 Days Paid Losses and Prior Col. 4 divided Reporting less than Reporting less than Amount in Reported in Col.Number Code Name of Reinsurer Overdue (a) Paid LAE (b) 90 Days by (Cols. 5 + 6) 20% in Col. 7 20% in Col. 7 Col. 9 8 x 20% + Col. 10

Overdue Authorized Reinsurance9999999. Totals............................................................................................................................. .....................29,171,772 ...................217,053,055 ...................280,290,088 ..............XXX................... .......................5,730,030 ...................255,214,774 .....................51,042,955 .....................52,216,018

(a) From Schedule F-Part 4 Columns 8 + 9, total authorized, less $.....332,416,649 in dispute.(b) From Schedule F-Part 3 Columns 7 + 8, total authorized, less $.....336,390,982 in dispute.

Page 19: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

26

SCHEDULE F - PART 7Provision for Overdue Reinsurance as of December 31, Current Year

1 2 3 4 5 6 7 8 9 10 11 12Funds Held Sum of Cols.

Federal NAIC Reinsurance by Company Letters Ceded Other Other 5 thru 9 but Greater of Col. 11 orID Company Recoverable Under Reinsurance of Balances Miscellaneous Allowed Offset not in excess Schedule F, Part 4

Number Code Name of Reinsurer all Items Treaties Credit Payable Balances Items of Col. 4 Col. 4 minus Col. 10 Cols. 8 + 9Overdue Reinsurance

9999999. Totals................................................................................................................................ ...............253,241,476 ...................1,678,528 ...................1,075,663 .................11,569,592 .............................692 ...................1,403,038 .................14,768,368 ...............238,473,108 ...............239,223,668

1. Total........................................................................................................................................... ...............239,223,6682. Line 1 x .20............................................................................................................................... .................47,844,7343. Schedule F - Part 6 Col. 11....................................................................................................... .................52,216,0184. Provision for Overdue Authorized Reinsurance (Lines 2 + 3)..................................................... ...............100,060,7525. Provision for Unauthorized Reinsurance (Schedule F- Part 5 Col. 17 x 1000)............................ ...............143,831,3206. Provision for Reinsurance (sum Lines 4 + 5) (Enter this amount on Page 3, Line 16)................ ...............243,892,072

Page 20: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

28

SCHEDULE H - ACCIDENT AND HEALTH EXHIBITGroup Credit Accident and Other Individual Contracts

Accident and Health (Group and Collectively Guaranteed Non-Renewable for Other AccidentTotal Health Individual) Renewable Non-Cancelable Renewable Stated Reasons Only Only All Other

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18Amount % Amount % Amount % Amount % Amount % Amount % Amount % Amount % Amount %

PART 1 - ANALYSIS OF UNDERWRITING OPERATIONS1. Premiums written....................................................................... ........1,502,441 ......XXX..... .............20,791 ....XXX.... ......................0 ....XXX.... ......................0 ....XXX.... ......................0 ....XXX.... ......................0 ......XXX..... ......................0 ....XXX.... ........1,038,208 ....XXX.... ...........443,442 ....XXX..

2. Premiums earned....................................................................... ........1,467,055 ......XXX..... .............33,295 ....XXX.... ......................0 ....XXX.... ......................0 ....XXX.... ......................0 ....XXX.... ......................0 ......XXX..... ......................0 ....XXX.... ...........988,124 ....XXX.... ...........445,636 ....XXX..

3. Incurred claims........................................................................... ........2,157,447 ........147.1 .............27,253 .......81.9 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ..............(5,036) ........(0.5) ........2,135,230 ...479.1

4. Cost containment expenses....................................................... .............48,180 ............3.3 ..............(7,822) ......(23.5) ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ............(24,404) ........(2.5) .............80,406 .....18.0

5. Incurred claims and cost containment expenses(Lines 3 and 4)........................................................................... ........2,205,627 ........150.3 .............19,431 .......58.4 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ............(29,440) ........(3.0) ........2,215,636 ...497.2

6. Increase in contract reserves..................................................... ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .......0.0

7. Commissions (a)........................................................................ ...........293,002 ..........20.0 ...............1,954 .........5.9 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ...........168,759 .......17.1 ...........122,289 .....27.4

8. Other general insurance expenses............................................ ...........104,666 ............7.1 ...........107,915 .....324.1 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ..............(3,249) ......(0.7)

9. Taxes, licenses and fees........................................................... ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .......0.0

10. Total other expenses incurred................................................... ...........397,669 ..........27.1 ...........109,869 .....330.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ...........168,759 .......17.1 ...........119,040 .....26.7

11. Aggregate write-ins for deductions............................................ ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .......0.0

12. Gain from underwriting before dividends or refunds.................. .......(1,136,240) ........(77.5) ............(96,005) ....(288.3) ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ...........848,805 .......85.9 .......(1,889,041) ..(423.9)

13. Dividends or refunds.................................................................. ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .......0.0

14. Gain from underwriting after dividends or refunds..................... .......(1,136,240) ........(77.5) ............(96,005) ....(288.3) ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ...........848,805 .......85.9 .......(1,889,041) ..(423.9)

DETAILS OF WRITE-INS1101. ................................................................................................... ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .......0.0

1102. ................................................................................................... ......................... .................. ......................... ............... ......................... ............... ......................... ............... ......................... ............... ......................... .................. ......................... ............... ......................... ............... ......................... .............

1103. ................................................................................................... ......................... .................. ......................... ............... ......................... ............... ......................... ............... ......................... ............... ......................... .................. ......................... ............... ......................... ............... ......................... .............

1198. Summary of remaining write-ins for Line 11from overflow page.................................................................... ......................... .................. ......................... ............... ......................... ............... ......................... ............... ......................... ............... ......................... .................. ......................... ............... ......................... ............... ......................... .............

1199. Total (Lines 1101 thru 1103 plus 1198) (Line 11 above)........... ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .......0.0

(a) Includes $..........0 reported as "Contract, membership and other fees retained by agents."

Page 21: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

29

SCHEDULE H - ACCIDENT AND HEALTH EXHIBIT (continued)1 2 3 4 Other Individual Contracts

Group Credit Accident and 5 6 7 8 9Accident and Health (Group and Collectively Guaranteed Non-Renewable for Other Accident

Total Health Individual) Renewable Non-Cancelable Renewable Stated Reasons Only Only All OtherPART 2 - RESERVES AND LIABILITIES

A. Premium Reserves:1. Unearned premiums............................................................................................................... ........................517,458 ..........................47,401 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ........................470,027 .................................292. Advance premiums................................................................................................................. ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................03. Reserve for rate credits.......................................................................................................... ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................04. Total premium reserves, current year..................................................................................... ........................517,458 ..........................47,401 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ........................470,027 .................................295. Total premium reserves, prior year......................................................................................... ........................482,072 ..........................59,906 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ........................419,943 ............................2,2236. Increase in total premium reserves........................................................................................ ..........................35,385 .........................(12,505) ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ..........................50,084 ...........................(2,194)

B. Contract Reserves:1. Additional reserves................................................................................................................. ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................02. Reserve for future contingent benefits (deferred maternity and other similar benefits).......... ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................03. Total contract reserves, current year...................................................................................... ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................04. Total contract reserves, prior year.......................................................................................... ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................05. Increase in contract reserves................................................................................................. ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0

C. Claim Reserves and Liabilities:1. Total current year................................................................................................................... ...................12,731,351 .....................2,427,298 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .................................29 ...................10,304,0242. Total prior year....................................................................................................................... ...................11,702,015 .....................2,922,665 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ............................7,736 .....................8,771,6133. Increase.................................................................................................................................. .....................1,029,336 .......................(495,367) ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...........................(7,707) .....................1,532,411

PART 3 - TEST OF PRIOR YEAR'S CLAIM RESERVES AND LIABILITIES1. Claims Paid During the Year:

1.1 On claims incurred prior to current year............................................................................... ........................686,451 ........................522,620 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ............................2,671 ........................161,1601.2 On claims incurred during current year................................................................................ ........................441,659 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ........................441,659

2. Claim Reserves and Liabilities, December 31, Current Year:2.1 On claims incurred prior to current year............................................................................... ...................11,328,469 .....................2,427,298 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .................................29 .....................8,901,1412.2 On claims incurred during current year................................................................................ .....................1,402,882 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .....................1,402,882

3. Test:3.1 Lines 1.1 and 2.1.................................................................................................................. ...................12,014,920 .....................2,949,918 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ............................2,700 .....................9,062,3013.2 Claim reserves and liabilities, December 31, prior year....................................................... ...................11,702,015 .....................2,922,665 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ............................7,736 .....................8,771,6133.3 Line 3.1 minus Line 3.2........................................................................................................ ........................312,905 ..........................27,253 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...........................(5,036) ........................290,688

PART 4 - REINSURANCEA. Reinsurance Assumed:

1. Premiums written.................................................................................................................... ........................464,329 ..........................20,791 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ........................443,5382. Premiums earned................................................................................................................... ........................479,027 ..........................33,295 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ........................445,7323. Incurred claims....................................................................................................................... .......................(868,804) .........................(68,804) ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .......................(800,000)4. Commissions.......................................................................................................................... ........................124,252 ............................1,954 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ........................122,298

B. Reinsurance Ceded:1. Premiums written.................................................................................................................... .................................96 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .................................962. Premiums earned................................................................................................................... ........................446,671 ...................................0 ...................................0 ...................................0 ........................446,574 ...................................0 ...................................0 ...................................0 .................................963. Incurred claims....................................................................................................................... ....................(8,403,132) ....................(6,743,707) ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .......................(447,652) ....................(1,211,773)4. Commissions.......................................................................................................................... ...................................9 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................9

(a) Includes $..........0 premium deficiency reserve.

Page 22: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

31

SCHEDULE P - ANALYSIS OF LOSSES AND LOSS EXPENSES

SCHEDULE P - PART 1 - SUMMARY($000 Omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior......... .........XXX....... .........XXX....... .........XXX....... ......826,480 ......334,891 ......410,330 ........67,103 ......115,967 ..........2,031 ........23,006 .........948,752 ......XXX.......2. 2001......... ....18,979,874 ......3,286,527 ....15,693,347 .15,279,064 ...4,581,029 ...1,472,091 ......297,796 ......796,320 ........79,874 ......485,476 ....12,588,776 ......XXX.......3. 2002......... ....21,000,899 ......4,058,361 ....16,942,538 .10,728,686 ...2,301,471 ...1,257,152 ......172,382 ......670,143 ........63,607 ......483,461 ....10,118,521 ......XXX.......4. 2003......... ....22,887,942 ......4,392,732 ....18,495,210 .10,190,508 ...1,659,938 ...1,081,242 ......138,198 ......682,746 ........61,401 ......485,417 ....10,094,959 ......XXX.......5. 2004......... ....23,139,317 ......3,860,276 ....19,279,041 ...9,567,666 ...1,588,733 ......915,705 ......115,976 ......764,608 ........66,227 ......498,525 ......9,477,044 ......XXX.......6. 2005......... ....22,418,017 ......3,238,221 ....19,179,797 .10,524,189 ...2,671,167 ......798,015 ......112,928 ......788,021 ........48,295 ......430,456 ......9,277,834 ......XXX.......7. 2006......... ....22,278,506 ......2,755,433 ....19,523,072 ...7,827,083 ......887,975 ......658,328 ........61,302 ......869,513 ........26,782 ......424,426 ......8,378,865 ......XXX.......8. 2007......... ....23,601,853 ......3,282,669 ....20,319,184 ...7,910,891 ......708,895 ......622,055 ........46,766 ......941,912 ........21,274 ......476,037 ......8,697,921 ......XXX.......9. 2008......... ....22,624,670 ......2,236,311 ....20,388,358 ...8,893,739 ......858,376 ......516,814 ........38,749 ...1,057,063 ........16,055 ......432,279 ......9,554,437 ......XXX.......

10. 2009......... ....22,258,423 ......1,872,686 ....20,385,738 ...6,955,456 ......367,647 ......342,665 ........18,792 ...1,006,883 ........11,353 ......369,699 ......7,907,211 ......XXX.......11. 2010......... ....22,105,189 ......1,760,141 ....20,345,047 ...4,949,768 ......211,990 ......159,698 ..........8,572 ......862,613 ..........5,861 ......249,316 ......5,745,657 ......XXX.......12. Totals....... .........XXX....... .........XXX....... .........XXX....... .93,653,532 .16,172,113 ...8,234,095 ...1,078,566 ...8,555,790 ......402,760 ...4,358,098 ....92,789,978 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ...6,072,119 ...1,775,845 ...5,958,382 ...1,128,483 ......670,478 ......124,454 ...1,113,460 ........93,450 ......621,716 ..........2,533 ..........9,967 ....11,311,389 ......XXX.......2. 2001..... ......732,020 ......191,507 ......599,827 ......171,414 ........59,166 ........11,753 ......102,681 ........25,207 ......110,661 ..........1,032 ........19,912 ......1,203,443 ......XXX.......3. 2002..... ......532,797 ......171,442 ......579,871 ......185,480 ........49,523 ..........6,331 ......126,008 ........25,557 ........39,996 .............654 ..........5,411 .........938,732 ......XXX.......4. 2003..... ......553,126 ......102,846 ......638,229 ......195,380 ........52,407 ..........4,488 ......165,425 ........46,531 ......132,784 ..........1,474 ........27,049 ......1,191,250 ......XXX.......5. 2004..... ......533,643 ......139,095 ......668,341 ......173,575 ........58,651 ..........6,024 ......130,092 ........28,790 ........46,135 .............664 ........23,012 ......1,088,714 ......XXX.......6. 2005..... ......563,656 ......159,100 ......878,683 ......252,347 ........64,928 ..........8,735 ......149,912 ........27,200 ........52,600 .............717 ........35,001 ......1,261,681 ......XXX.......7. 2006..... ......724,395 ......164,096 ...1,126,988 ......209,436 ........87,939 ..........7,372 ......185,987 ........36,805 ........87,156 .............148 ........51,424 ......1,794,610 ......XXX.......8. 2007..... ...1,030,138 ......148,918 ...1,564,476 ......280,552 ......132,220 ..........8,892 ......303,524 ........26,373 ........89,959 ...........(166) ........86,306 ......2,655,746 ......XXX.......9. 2008..... ...1,588,998 ......166,087 ...2,037,230 ......295,390 ......191,753 ........11,205 ......563,412 ........39,483 ......150,395 ...........(262) ......164,774 ......4,019,885 ......XXX.......

10. 2009..... ...2,037,685 ......298,570 ...2,413,479 ......297,837 ......197,478 ........11,292 ......639,775 ........46,070 ......185,065 ...........(211) ......201,370 ......4,819,924 ......XXX.......11. 2010..... ...2,767,846 ......202,473 ...4,166,911 ......355,940 ......200,893 ..........9,966 ......854,606 ........43,858 ......451,794 ...........(654) ......379,186 ......7,830,467 ......XXX.......12. Totals... .17,136,424 ...3,519,979 .20,632,417 ...3,545,834 ...1,765,436 ......210,512 ...4,334,882 ......439,325 ...1,968,262 ..........5,928 ...1,003,414 ....38,115,842 ......XXX.......

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 ........XXX......... .......9,126,173 .......2,185,2152. 2001. .....19,151,831 .......5,359,612 .....13,792,219 ..............100.9 ..............163.1 ................87.9 .....................0 .....................0 ............100.00 ..........968,927 ..........234,5163. 2002. .....13,984,177 .......2,926,924 .....11,057,253 ................66.6 ................72.1 ................65.3 .....................0 .....................0 ............100.00 ..........755,746 ..........182,9864. 2003. .....13,496,466 .......2,210,256 .....11,286,209 ................59.0 ................50.3 ................61.0 .....................0 .....................0 ............100.00 ..........893,128 ..........298,1215. 2004. .....12,684,843 .......2,119,084 .....10,565,759 ................54.8 ................54.9 ................54.8 .....................0 .....................0 ............100.00 ..........889,313 ..........199,4026. 2005. .....13,820,003 .......3,280,488 .....10,539,515 ................61.6 ..............101.3 ................55.0 .....................0 .....................0 ............100.00 .......1,030,892 ..........230,7907. 2006. .....11,567,390 .......1,393,916 .....10,173,475 ................51.9 ................50.6 ................52.1 .....................0 .....................0 ............100.00 .......1,477,852 ..........316,7578. 2007. .....12,595,173 .......1,241,505 .....11,353,668 ................53.4 ................37.8 ................55.9 .....................0 .....................0 ............100.00 .......2,165,144 ..........490,6029. 2008. .....14,999,405 .......1,425,083 .....13,574,322 ................66.3 ................63.7 ................66.6 .....................0 .....................0 ............100.00 .......3,164,751 ..........855,135

10. 2009. .....13,778,488 .......1,051,352 .....12,727,136 ................61.9 ................56.1 ................62.4 .....................0 .....................0 ............100.00 .......3,854,758 ..........965,16611. 2010. .....14,414,130 ..........838,005 .....13,576,124 ................65.2 ................47.6 ................66.7 .....................0 .....................0 ............100.00 .......6,376,345 .......1,454,12312. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .....30,703,028 .......7,412,814Note: Parts 2 and 4 are gross of all discounting, including tabular discounting. Part 1 is gross of only nontabular discounting, which is reported in Columns 32 and 33 of Part 1. The tabular discount, if any, is reported in the Notes to Financial Statements which will reconcile Part 1 with Parts 2 and 4.

Page 23: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

32

SCHEDULE P - PART 2 - SUMMARYIncurred Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) DEVELOPMENT

1 2 3 4 5 6 7 8 9 10 11 12Years inWhich

Losses Were One TwoIncurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Year Year

1. Prior..... ...23,612,255 ...27,335,012 ...28,640,315 ...30,981,012 ...32,367,662 ...33,097,658 ...33,479,268 ...33,823,769 ...33,797,218 ...33,878,579 ..........81,361 ..........54,810

2. 2001.... ...12,332,630 ...12,389,328 ...12,909,197 ...13,156,988 ...13,035,231 ...13,174,114 ...13,108,006 ...13,144,163 ...13,099,867 ...12,996,146 ......(103,721) ......(148,016)

3. 2002.... ........XXX....... ...11,121,619 ...10,284,054 ...10,619,221 ...10,762,207 ...10,814,004 ...10,753,931 ...10,705,520 ...10,632,595 ...10,452,491 ......(180,104) ......(253,030)

4. 2003.... ........XXX....... ........XXX....... ...11,279,826 ...10,710,391 ...10,897,814 ...10,871,328 ...10,913,610 ...10,895,828 ...10,680,763 ...10,579,618 ......(101,146) ......(316,210)

5. 2004.... ........XXX....... ........XXX....... ........XXX....... ...12,412,218 ...11,307,655 ...10,880,698 ...10,615,862 ...10,229,009 ...10,031,558 .....9,866,287 ......(165,272) ......(362,722)

6. 2005.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ...12,542,451 ...11,516,704 ...11,102,562 ...10,334,498 ...10,020,093 .....9,792,794 ......(227,300) ......(541,704)

7. 2006.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ...10,653,674 ...10,274,307 .....9,688,166 .....9,457,852 .....9,298,384 ......(159,468) ......(389,782)

8. 2007.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ...10,934,223 ...10,717,883 ...10,436,138 ...10,393,519 ........(42,620) ......(324,365)

9. 2008.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ...12,365,766 ...12,524,563 ...12,429,877 ........(94,687) ..........64,111

10. 2009.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ...11,629,632 ...11,592,481 ........(37,151) ........XXX.......

11. 2010.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ...12,313,543 ........XXX....... ........XXX.......

12. Totals...... ...(1,030,107) ...(2,216,908)

SCHEDULE P - PART 3 - SUMMARYCumulative Paid Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) 11 12

1 2 3 4 5 6 7 8 9 10 Number ofNumber of Claims

Years in Claims ClosedWhich Closed With Without

Losses Were Loss LossIncurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Payment Payment

1. Prior..... ........000........ .....6,326,931 ...11,307,279 ...13,675,186 ...15,936,234 ...17,780,994 ...19,252,614 ...20,949,925 ...21,829,389 ...22,664,203 ........XXX....... ........XXX.......

2. 2001.... .....3,742,680 .....6,649,432 .....8,529,864 .....9,744,924 ...10,620,857 ...11,086,021 ...11,385,432 ...11,587,349 ...11,717,633 ...11,872,330 ........XXX....... ........XXX.......

3. 2002.... ........XXX....... .....3,236,851 .....5,418,024 .....6,721,604 .....7,759,676 .....8,500,562 .....8,957,738 .....9,243,849 .....9,411,776 .....9,511,984 ........XXX....... ........XXX.......

4. 2003.... ........XXX....... ........XXX....... .....3,360,807 .....5,748,129 .....7,208,459 .....8,078,690 .....8,754,975 .....9,116,521 .....9,322,124 .....9,473,614 ........XXX....... ........XXX.......

5. 2004.... ........XXX....... ........XXX....... ........XXX....... .....3,423,851 .....5,790,863 .....6,927,834 .....7,774,378 .....8,263,816 .....8,572,758 .....8,778,663 ........XXX....... ........XXX.......

6. 2005.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... .....3,525,034 .....6,103,231 .....7,111,941 .....7,809,148 .....8,241,999 .....8,538,108 ........XXX....... ........XXX.......

7. 2006.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... .....3,384,248 .....5,304,089 .....6,312,006 .....7,012,000 .....7,536,134 ........XXX....... ........XXX.......

8. 2007.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... .....3,696,718 .....5,818,234 .....6,976,124 .....7,777,284 ........XXX....... ........XXX.......

9. 2008.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... .....4,663,851 .....7,177,334 .....8,513,429 ........XXX....... ........XXX.......

10. 2009.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... .....4,409,402 .....6,911,681 ........XXX....... ........XXX.......

11. 2010.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... .....4,888,905 ........XXX....... ........XXX.......

SCHEDULE P - PART 4 - SUMMARYBulk and IBNR Reserves on Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)

1 2 3 4 5 6 7 8 9 10Years inWhich

Losses WereIncurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior......... .......10,841,411 .........9,838,458 .........8,648,153 .........8,885,525 .........8,610,873 .........8,237,083 .........7,845,045 .........7,038,584 .........6,535,243 .........6,068,056

2. 2001........ .........5,522,254 .........2,894,333 .........2,048,289 .........1,324,851 ............888,826 ............885,000 ............747,958 ............732,321 ............657,880 ............525,487

3. 2002........ ..........XXX......... .........5,394,996 .........2,538,508 .........1,813,218 .........1,317,598 .........1,067,310 ............912,144 ............827,518 ............729,656 ............525,064

4. 2003........ ..........XXX......... ..........XXX......... .........5,539,393 .........2,741,090 .........1,845,540 .........1,313,528 .........1,087,112 ............994,190 ............744,803 ............586,580

5. 2004........ ..........XXX......... ..........XXX......... ..........XXX......... .........6,525,578 .........3,510,019 .........2,299,150 .........1,628,989 .........1,138,571 ............833,778 ............623,861

6. 2005........ ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... .........5,824,229 .........3,576,131 .........2,666,610 .........1,582,816 .........1,131,420 ............785,250

7. 2006........ ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... .........5,042,244 .........3,278,076 .........2,105,657 .........1,494,677 .........1,109,293

8. 2007........ ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... .........4,794,320 .........3,011,859 .........2,086,362 .........1,601,732

9. 2008........ ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... .........5,060,348 .........3,192,449 .........2,300,262

10. 2009........ ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... .........4,733,697 .........2,749,146

11. 2010........ ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... .........4,664,686

Page 24: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

33

SCHEDULE P - PART 1A - HOMEOWNERS/FARMOWNERS($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ..........1,187 .................6 .............671 .............121 .............377 .................0 ...............17 ..............2,109 ......XXX.......2. 2001....... .......1,630,840 ..........267,295 .......1,363,544 ...1,068,084 ......181,160 ........39,099 ..........6,299 ........85,131 ........12,082 ........20,518 ..........992,773 ......258,9043. 2002....... .......1,605,429 ..........149,690 .......1,455,739 ......798,306 ........55,953 ........31,782 ..........3,573 ........77,951 ..........3,248 ........14,565 ..........845,265 ......195,2674. 2003....... .......1,864,282 ..........147,568 .......1,716,714 ......933,746 ........44,903 ........33,917 ..........3,588 ........92,558 ...............14 ........16,289 .......1,011,715 ......205,6645. 2004....... .......2,211,714 ..........105,790 .......2,105,924 ...1,214,132 ........99,432 ........58,317 ..........3,395 ......110,510 ..........1,146 ........17,396 .......1,278,985 ......188,2916. 2005....... .......2,502,557 ..........113,098 .......2,389,459 ...1,274,916 ......213,200 ........44,811 .............776 ......131,765 ...............93 ........20,600 .......1,237,422 ......174,9757. 2006....... .......2,679,212 ..........106,962 .......2,572,250 ...1,030,872 ..........1,118 ........31,799 ...............18 ......155,658 ...............26 ........23,815 .......1,217,168 ......171,1958. 2007....... .......2,913,053 ..........145,480 .......2,767,573 ...1,088,749 ..........1,955 ........36,106 ...............62 ......170,665 ...............12 ........45,819 .......1,293,491 ......154,9899. 2008....... .......3,010,428 ..........111,589 .......2,898,839 ...1,584,937 ..........1,194 ........37,755 ...............30 ......207,443 ...............17 ........25,157 .......1,828,894 ......232,45810. 2009....... .......3,127,856 ............92,732 .......3,035,124 ...1,553,784 ..........4,167 ........35,181 ...............65 ......199,336 ...............15 ........19,164 .......1,784,053 ......234,61911. 2010....... .......3,339,158 ............96,995 .......3,242,163 ...1,330,329 .............964 ........23,187 ...............14 ......198,645 .................7 ..........7,269 .......1,551,175 ......229,89912. Totals..... .........XXX........ .........XXX........ .........XXX........ .11,879,042 ......604,052 ......372,626 ........17,943 ...1,430,037 ........16,659 ......210,609 .....13,043,051 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ..........4,219 .............492 ...........(401) .............(10) .............867 .............147 ...........(867) .............(30) .............968 .................0 ...............68 ..............4,186 .............1852. 2001..... .............522 .............143 ..........1,303 .................1 .............115 ...............43 ...........(192) ...............(1) .............329 .................0 ...............46 ..............1,892 ...............413. 2002..... .............499 ...............73 .............963 ...............(1) ...............83 ...............23 .............348 .................0 .............641 .................0 ...............47 ..............2,438 .............1104. 2003..... ..........2,088 .................0 .............102 ...............(1) .............341 .................0 .............601 ...............(0) .............655 .................0 .............250 ..............3,788 ...............975. 2004..... ..........3,758 .............290 ...........(227) ...........(443) .............476 .................1 .............632 ...............(0) .............864 .................0 .............915 ..............5,656 .............1356. 2005..... ..........8,285 .............270 ........38,803 ........13,050 ..........1,547 .................8 ..........1,486 ...............(4) ..........3,402 .................0 ..........2,210 ............40,198 .............7337. 2006..... ........11,746 ...............(1) ...............25 .............962 ..........1,475 .................0 ..........1,510 ...............16 ..........2,257 .................0 ..........3,893 ............16,035 .............3338. 2007..... ........26,306 .................0 ........(3,476) ...........(195) ..........3,500 ...............(0) ..........3,905 ...............19 ..........4,440 .................0 ..........6,750 ............34,850 .............7049. 2008..... ........54,092 ...............(0) ........25,407 .............829 ..........5,525 .................0 ..........6,795 .............103 ..........5,399 .................0 ........16,428 ............96,286 ..........1,358

10. 2009..... ........92,886 ...............(0) ........30,887 ........(1,750) ..........6,516 ...............(0) ........13,508 ...............38 ..........9,137 .................0 ........24,857 ..........154,646 ..........2,58111. 2010..... ......244,420 ...............(0) ......394,525 ..........1,006 ..........9,049 .................0 ..........7,258 ...............68 ........51,645 .................0 ........39,702 ..........705,822 ........14,46912. Totals... ......448,821 ..........1,267 ......487,911 ........13,449 ........29,496 .............223 ........34,983 .............210 ........79,735 .................1 ........95,166 .......1,065,797 ........20,746

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..............3,335 .................8512. 2001. .......1,194,392 ..........199,727 ..........994,665 ................73.2 ................74.7 ................72.9 .....................0 .....................0 ............100.00 ..............1,682 .................2103. 2002. ..........910,572 ............62,870 ..........847,702 ................56.7 ................42.0 ................58.2 .....................0 .....................0 ............100.00 ..............1,390 ..............1,0484. 2003. .......1,064,008 ............48,505 .......1,015,503 ................57.1 ................32.9 ................59.2 .....................0 .....................0 ............100.00 ..............2,191 ..............1,5975. 2004. .......1,388,462 ..........103,820 .......1,284,642 ................62.8 ................98.1 ................61.0 .....................0 .....................0 ............100.00 ..............3,685 ..............1,9726. 2005. .......1,505,015 ..........227,394 .......1,277,621 ................60.1 ..............201.1 ................53.5 .....................0 .....................0 ............100.00 ............33,768 ..............6,4307. 2006. .......1,235,342 ..............2,139 .......1,233,203 ................46.1 ..................2.0 ................47.9 .....................0 .....................0 ............100.00 ............10,809 ..............5,2268. 2007. .......1,330,195 ..............1,854 .......1,328,341 ................45.7 ..................1.3 ................48.0 .....................0 .....................0 ............100.00 ............23,025 ............11,8249. 2008. .......1,927,353 ..............2,172 .......1,925,181 ................64.0 ..................1.9 ................66.4 .....................0 .....................0 ............100.00 ............78,671 ............17,61510. 2009. .......1,941,234 ..............2,536 .......1,938,699 ................62.1 ..................2.7 ................63.9 .....................0 .....................0 ............100.00 ..........125,522 ............29,12311. 2010. .......2,259,057 ..............2,060 .......2,256,997 ................67.7 ..................2.1 ................69.6 .....................0 .....................0 ............100.00 ..........637,939 ............67,88312. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........922,017 ..........143,780

Page 25: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

34

SCHEDULE P - PART 1B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ........20,260 ..........9,262 .............946 .............103 ..........2,989 ...............11 .............121 ............14,820 ......XXX.......2. 2001....... .......1,742,435 ..........225,051 .......1,517,384 ...1,283,390 ......175,543 ........90,052 ........10,253 ......116,644 ..........9,092 ........30,464 .......1,295,197 ......320,0303. 2002....... .......1,670,631 ............62,928 .......1,607,704 ...1,175,020 ........60,661 ........90,066 ..........2,357 ......123,626 ..........6,017 ........32,673 .......1,319,677 ......298,7254. 2003....... .......1,806,792 ............36,792 .......1,769,999 ...1,158,644 ........43,239 ........86,217 .............106 ......120,942 ..........2,879 ........34,157 .......1,319,578 ......295,5605. 2004....... .......2,036,167 ............25,293 .......2,010,874 ...1,199,018 ........34,606 ........74,477 .............132 ......134,014 ..........2,764 ........33,780 .......1,370,006 ......293,6746. 2005....... .......2,117,009 ............38,627 .......2,078,382 ...1,172,591 ........23,579 ........69,891 .............114 ......161,729 ..........2,901 ........30,800 .......1,377,617 ......288,1217. 2006....... .......2,242,523 ............34,564 .......2,207,959 ...1,227,418 ........20,700 ........69,456 .............106 ......203,168 ..........3,093 ........30,149 .......1,476,143 ......294,0968. 2007....... .......2,324,073 ............34,103 .......2,289,970 ...1,292,004 ........20,343 ........68,686 ...............96 ......232,666 ..........2,571 ........31,054 .......1,570,347 ......320,0349. 2008....... .......2,344,748 ............30,356 .......2,314,392 ...1,173,210 ........16,510 ........54,604 ...............79 ......235,055 ..........2,039 ........28,544 .......1,444,241 ......319,31210. 2009....... .......2,338,507 ............25,705 .......2,312,802 ......995,736 ........11,916 ........34,074 ...............55 ......214,939 ..........1,899 ........22,227 .......1,230,878 ......310,22811. 2010....... .......2,358,402 ............22,043 .......2,336,359 ......578,273 ..........4,763 ........12,762 ...............14 ......168,211 .............529 ........12,751 ..........753,940 ......270,30212. Totals..... .........XXX........ .........XXX........ .........XXX........ .11,275,563 ......421,123 ......651,230 ........13,416 ...1,713,985 ........33,795 ......286,720 .....13,172,445 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ......129,567 ........32,537 ......193,005 ........20,203 ..........4,060 .............139 ..........1,735 ..........1,892 ..........4,101 ...............(0) .............236 ..........277,696 ..........1,9602. 2001..... ..........2,062 .............199 ........10,564 ..........7,226 .............870 ...............27 ..........2,935 .............580 ..........2,301 .................0 .............179 ............10,700 ..........1,0893. 2002..... ..........2,439 ...............48 ..........7,679 ..........3,417 ..........1,188 .................2 ..........3,113 .............322 ..........2,874 .................0 .............202 ............13,502 ..........1,3654. 2003..... ..........3,865 .............256 ..........4,888 .............653 ..........1,540 .................0 ..........3,336 .................8 ..........3,461 .................0 .............431 ............16,174 ..........1,5965. 2004..... ..........7,494 .............388 ..........6,496 .............548 ..........1,701 .................0 ..........3,304 ...............(2) ..........3,068 .................0 .............695 ............21,130 ..........1,3956. 2005..... ........13,406 ...............32 ..........9,076 ...........(244) ..........2,426 ...............(1) ..........4,350 ...............(0) ..........4,109 .................0 ..........1,230 ............33,580 ..........1,7787. 2006..... ........35,067 ...............27 ..........7,412 ..........5,460 ..........5,360 ...............(0) ..........5,890 ...............29 ..........6,844 ...............(0) ..........2,286 ............55,057 ..........3,1568. 2007..... ........84,913 .............475 ........11,576 ..........2,808 ........12,198 .................0 ..........9,137 .............379 ........12,083 ...............(0) ..........4,147 ..........126,244 ..........6,5479. 2008..... ......150,851 .............714 ........47,023 ..........4,639 ........22,468 .................0 ........14,651 .............818 ........19,432 ...............(0) ..........7,880 ..........248,253 ........12,644

10. 2009..... ......270,634 .............619 ......136,427 ..........4,467 ........21,223 ...............(0) ........44,730 ..........1,758 ........26,661 ...............(0) ........13,407 ..........492,832 ........25,71011. 2010..... ......434,239 ...............29 ......360,475 ..........6,449 ........14,712 .................0 ........61,659 .............500 ........82,683 .................0 ........25,240 ..........946,788 ........83,81512. Totals... ...1,134,537 ........35,324 ......794,620 ........55,626 ........87,745 .............168 ......154,840 ..........6,284 ......167,616 ...............(1) ........55,934 .......2,241,957 ......141,055

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........269,832 ..............7,8652. 2001. .......1,508,818 ..........202,921 .......1,305,897 ................86.6 ................90.2 ................86.1 .....................0 .....................0 ............100.00 ..............5,201 ..............5,4993. 2002. .......1,406,003 ............72,824 .......1,333,179 ................84.2 ..............115.7 ................82.9 .....................0 .....................0 ............100.00 ..............6,652 ..............6,8504. 2003. .......1,382,893 ............47,141 .......1,335,752 ................76.5 ..............128.1 ................75.5 .....................0 .....................0 ............100.00 ..............7,845 ..............8,3305. 2004. .......1,429,573 ............38,437 .......1,391,136 ................70.2 ..............152.0 ................69.2 .....................0 .....................0 ............100.00 ............13,054 ..............8,0756. 2005. .......1,437,577 ............26,381 .......1,411,197 ................67.9 ................68.3 ................67.9 .....................0 .....................0 ............100.00 ............22,694 ............10,8867. 2006. .......1,560,615 ............29,414 .......1,531,200 ................69.6 ................85.1 ................69.3 .....................0 .....................0 ............100.00 ............36,993 ............18,0648. 2007. .......1,723,262 ............26,671 .......1,696,591 ................74.1 ................78.2 ................74.1 .....................0 .....................0 ............100.00 ............93,207 ............33,0389. 2008. .......1,717,294 ............24,800 .......1,692,494 ................73.2 ................81.7 ................73.1 .....................0 .....................0 ............100.00 ..........192,520 ............55,73310. 2009. .......1,744,424 ............20,714 .......1,723,710 ................74.6 ................80.6 ................74.5 .....................0 .....................0 ............100.00 ..........401,975 ............90,85711. 2010. .......1,713,013 ............12,285 .......1,700,728 ................72.6 ................55.7 ................72.8 .....................0 .....................0 ............100.00 ..........788,235 ..........158,55312. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......1,838,208 ..........403,749

Page 26: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

35

SCHEDULE P - PART 1C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ..........4,766 ..........4,080 ..........3,293 .............558 ..........5,573 .................9 ...............27 ..............8,985 ......XXX.......2. 2001....... .......1,765,260 ..........344,526 .......1,420,734 ...1,306,440 ......307,528 ......113,872 ........33,753 ........74,949 ..........2,394 ..........6,500 .......1,151,586 ......177,3823. 2002....... .......2,112,886 ..........400,697 .......1,712,189 ...1,164,513 ......233,945 ......106,784 ........29,218 ........77,837 ..........4,259 ........10,796 .......1,081,712 ......159,0314. 2003....... .......2,243,370 ..........367,728 .......1,875,643 ...1,119,612 ......185,968 ........95,823 ........21,641 ........73,332 ..........2,716 ..........7,074 .......1,078,443 ......142,1035. 2004....... .......2,046,599 ..........352,487 .......1,694,111 ......970,621 ......164,637 ........84,261 ........19,194 ........78,585 ..........3,321 ..........6,970 ..........946,315 ......128,8526. 2005....... .......2,023,262 ..........283,555 .......1,739,708 ......833,626 ......109,743 ........77,826 ........16,874 ........77,135 ..........2,492 ..........5,572 ..........859,479 ......112,5237. 2006....... .......1,807,568 ..........197,500 .......1,610,068 ......753,000 ........91,093 ........66,453 ........13,923 ........76,785 ..........2,012 ..........7,150 ..........789,209 ......102,6838. 2007....... .......1,865,713 ..........247,271 .......1,618,442 ......731,302 ........65,011 ........65,229 ........10,789 ........83,720 ..........1,537 ..........7,266 ..........802,914 ......107,2759. 2008....... .......1,671,507 ..........122,012 .......1,549,495 ......577,931 ........47,309 ........43,199 ..........5,999 ........98,936 ..........1,078 ..........6,515 ..........665,681 ......107,26310. 2009....... .......1,656,355 ............98,538 .......1,557,817 ......378,681 ........16,782 ........18,002 ..........2,196 ........73,745 .............999 ..........6,003 ..........450,451 ........90,90811. 2010....... .......1,599,466 ............76,037 .......1,523,429 ......195,587 ..........5,873 ..........4,773 .............448 ........65,029 .............723 ..........4,421 ..........258,346 ........90,48412. Totals..... .........XXX........ .........XXX........ .........XXX........ ...8,036,079 ...1,231,969 ......679,514 ......154,593 ......785,626 ........21,539 ........68,294 .......8,093,119 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........39,356 ........25,728 ........35,457 ........12,312 ..........2,812 ..........1,224 ..........4,584 .............307 ..........5,556 ...............67 ...............62 ............48,127 ..........1,6102. 2001..... ..........6,611 ..........1,859 ........17,056 ..........1,055 ..........1,116 .............129 ..........2,079 .............806 .............640 .................4 ...............35 ............23,650 .............1823. 2002..... ..........4,104 ..........1,616 ........14,947 ..........3,248 .............975 ...............24 ..........3,124 ..........1,614 ..........1,270 .................6 ...............37 ............17,913 .............3614. 2003..... ..........7,237 ..........1,591 ........19,007 ..........5,309 ..........2,837 .............378 ..........3,185 .............413 .............801 .................3 ...............82 ............25,374 .............2805. 2004..... ........16,669 ..........6,243 ........31,716 ..........5,063 ..........4,082 .............500 ..........2,779 ..........1,544 .............824 .................1 .............135 ............42,720 .............3276. 2005..... ........42,172 ..........4,557 ........41,017 ........14,945 ..........5,397 .............355 ..........6,977 ..........3,482 ..........1,413 .................2 .............341 ............73,636 .............5857. 2006..... ........59,648 ..........8,681 ........43,720 ..........4,932 ..........6,816 .............885 ..........5,666 ..........1,306 ..........2,922 .................3 .............629 ..........102,965 ..........1,1678. 2007..... ......121,223 ........12,396 ........66,532 ..........1,888 ........14,125 ..........1,823 ..........6,576 ..........1,553 ..........6,073 .................6 ..........1,214 ..........196,864 ..........2,3519. 2008..... ......224,546 ........16,660 ......107,993 ........27,059 ........22,058 ..........2,002 ........13,489 ..........2,779 ........11,300 ...............10 ..........1,934 ..........330,876 ..........4,718

10. 2009..... ......295,937 ........20,303 ......176,287 ........23,658 ........22,352 ..........1,790 ........31,586 ..........4,308 ........15,511 ...............10 ..........2,780 ..........491,604 ..........8,73211. 2010..... ......333,230 ........15,285 ......348,413 ........25,900 ........22,651 ..........1,575 ........45,016 .............893 ........51,906 ...............23 ..........5,463 ..........757,540 ........27,31312. Totals... ...1,150,732 ......114,918 ......902,147 ......125,368 ......105,222 ........10,685 ......125,060 ........19,006 ........98,218 .............134 ........12,711 .......2,111,268 ........47,626

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............36,773 ............11,3542. 2001. .......1,522,764 ..........347,527 .......1,175,236 ................86.3 ..............100.9 ................82.7 .....................0 .....................0 ............100.00 ............20,753 ..............2,8973. 2002. .......1,373,555 ..........273,930 .......1,099,624 ................65.0 ................68.4 ................64.2 .....................0 .....................0 ............100.00 ............14,188 ..............3,7254. 2003. .......1,321,835 ..........218,018 .......1,103,817 ................58.9 ................59.3 ................58.9 .....................0 .....................0 ............100.00 ............19,345 ..............6,0305. 2004. .......1,189,537 ..........200,502 ..........989,034 ................58.1 ................56.9 ................58.4 .....................0 .....................0 ............100.00 ............37,079 ..............5,6416. 2005. .......1,085,564 ..........152,449 ..........933,115 ................53.7 ................53.8 ................53.6 .....................0 .....................0 ............100.00 ............63,687 ..............9,9497. 2006. .......1,015,010 ..........122,836 ..........892,174 ................56.2 ................62.2 ................55.4 .....................0 .....................0 ............100.00 ............89,754 ............13,2108. 2007. .......1,094,781 ............95,003 ..........999,777 ................58.7 ................38.4 ................61.8 .....................0 .....................0 ............100.00 ..........173,472 ............23,3929. 2008. .......1,099,451 ..........102,895 ..........996,557 ................65.8 ................84.3 ................64.3 .....................0 .....................0 ............100.00 ..........288,820 ............42,05610. 2009. .......1,012,101 ............70,046 ..........942,055 ................61.1 ................71.1 ................60.5 .....................0 .....................0 ............100.00 ..........428,264 ............63,34011. 2010. .......1,066,606 ............50,720 .......1,015,886 ................66.7 ................66.7 ................66.7 .....................0 .....................0 ............100.00 ..........640,459 ..........117,08112. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......1,812,593 ..........298,675

Page 27: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

36

SCHEDULE P - PART 1D - WORKERS' COMPENSATION($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ......363,886 ......174,645 ........28,268 ..........7,590 .......(18,010) ..........1,174 ..........2,794 ..........190,734 ......XXX.......2. 2001....... .......2,140,377 ..........510,416 .......1,629,961 ...1,508,660 ......511,971 ......168,980 ........27,184 .......(24,819) ........12,636 ........36,182 .......1,101,030 ......243,8333. 2002....... .......2,362,502 ..........681,089 .......1,681,413 ...1,307,365 ......440,129 ......150,381 ........26,536 .......(39,686) ........28,677 ........29,971 ..........922,718 ......216,3994. 2003....... .......2,856,848 ..........827,267 .......2,029,580 ...1,256,533 ......422,857 ......148,286 ........22,238 .......(44,810) ........32,160 ........23,370 ..........882,754 ......193,9095. 2004....... .......3,073,119 ..........928,445 .......2,144,674 ...1,118,461 ......388,313 ......143,063 ........19,956 .......(43,097) ........36,513 ........19,678 ..........773,645 ......180,8576. 2005....... .......3,005,419 ..........968,774 .......2,036,645 ......960,420 ......383,417 ......128,198 ........19,453 .............694 ........29,264 ........16,160 ..........657,176 ......150,3447. 2006....... .......2,808,788 ..........821,787 .......1,987,002 ......875,310 ......341,995 ......124,154 ........16,652 ..........9,289 ........18,229 ........13,079 ..........631,876 ......127,6898. 2007....... .......3,053,066 ..........804,752 .......2,248,313 ......899,975 ......267,056 ......137,321 ........15,488 .......(10,816) ........16,690 ........11,849 ..........727,245 ......120,3359. 2008....... .......2,930,432 ..........520,387 .......2,410,045 ......871,205 ......185,197 ......141,368 ........13,817 ..........7,212 ........10,938 ........10,990 ..........809,834 ......118,10310. 2009....... .......2,832,673 ..........342,726 .......2,489,947 ......656,481 ......103,876 ......116,154 ..........7,748 ........25,369 ..........6,956 ..........3,842 ..........679,424 ......110,63411. 2010....... .......2,801,385 ..........280,117 .......2,521,268 ......335,293 ........37,366 ........59,306 ..........2,083 ..........4,547 ..........4,377 .............436 ..........355,321 ......104,33712. Totals..... .........XXX........ .........XXX........ .........XXX........ .10,153,589 ...3,256,822 ...1,345,479 ......178,748 .....(134,127) ......197,614 ......168,350 .......7,731,759 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ...4,404,185 ...1,260,043 ...1,977,169 ......594,775 ......213,145 ........24,194 ......170,887 ........11,139 ........72,123 .............(91) ..........2,807 .......4,947,450 ........24,7382. 2001..... ......368,275 ......109,233 ......209,539 ........29,215 ........22,637 ..........8,292 ........31,556 ..........3,825 ..........7,602 .............217 .............769 ..........488,827 ..........2,0533. 2002..... ......323,207 ........90,822 ......216,405 ........70,955 ........21,366 ..........2,874 ........24,553 ..........2,960 ..........8,507 .............181 ..........1,295 ..........426,246 ..........1,8184. 2003..... ......330,688 ........70,311 ......287,060 ........74,811 ........19,260 ..........2,550 ........31,410 ..........4,682 ........10,734 .............200 ..........2,385 ..........526,600 ..........2,0295. 2004..... ......331,515 ........97,893 ......274,763 ........85,594 ........19,788 ..........2,996 ........43,470 ..........6,682 ........11,727 .............132 ..........3,339 ..........487,967 ..........2,1486. 2005..... ......310,428 ........99,607 ......393,380 ......109,418 ........20,841 ..........3,289 ........45,312 ..........7,368 ........14,264 .............371 ..........5,851 ..........564,172 ..........2,4887. 2006..... ......324,715 ......111,914 ......431,822 ......100,009 ........21,517 ..........1,774 ........44,526 ..........3,907 ........14,713 ...........(193) ..........9,454 ..........619,882 ..........2,6468. 2007..... ......325,738 ........85,942 ......511,017 ........73,499 ........25,809 ..........2,348 ........57,466 ..........1,188 ........20,384 ...........(252) ........16,621 ..........777,689 ..........3,8729. 2008..... ......398,444 ........62,439 ......605,930 ........64,150 ........36,484 ..........3,045 ........75,560 ..........2,604 ........31,299 ...........(290) ........27,170 .......1,015,769 ..........6,419

10. 2009..... ......426,950 ........87,314 ......776,910 ........88,838 ........49,377 ..........4,832 ........74,184 ..........1,341 ........39,712 ...........(234) ........33,686 .......1,185,043 ........11,41811. 2010..... ......453,146 ........51,757 ...1,062,558 ........95,624 ........73,526 ..........3,895 ......129,843 ..........4,583 ........76,337 ...........(268) ........39,183 .......1,639,822 ........35,75212. Totals... ...7,997,291 ...2,127,272 ...6,746,554 ...1,386,887 ......523,751 ........60,090 ......728,770 ........50,278 ......307,402 ...........(227) ......142,560 .....12,679,468 ........95,381

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......4,526,536 ..........420,9132. 2001. .......2,292,430 ..........702,573 .......1,589,857 ..............107.1 ..............137.6 ................97.5 .....................0 .....................0 ............100.00 ..........439,366 ............49,4623. 2002. .......2,012,098 ..........663,133 .......1,348,965 ................85.2 ................97.4 ................80.2 .....................0 .....................0 ............100.00 ..........377,835 ............48,4114. 2003. .......2,039,162 ..........629,808 .......1,409,354 ................71.4 ................76.1 ................69.4 .....................0 .....................0 ............100.00 ..........472,627 ............53,9735. 2004. .......1,899,692 ..........638,079 .......1,261,613 ................61.8 ................68.7 ................58.8 .....................0 .....................0 ............100.00 ..........422,792 ............65,1766. 2005. .......1,873,537 ..........652,188 .......1,221,349 ................62.3 ................67.3 ................60.0 .....................0 .....................0 ............100.00 ..........494,784 ............69,3897. 2006. .......1,846,045 ..........594,287 .......1,251,758 ................65.7 ................72.3 ................63.0 .....................0 .....................0 ............100.00 ..........544,613 ............75,2688. 2007. .......1,966,894 ..........461,959 .......1,504,934 ................64.4 ................57.4 ................66.9 .....................0 .....................0 ............100.00 ..........677,313 ..........100,3769. 2008. .......2,167,503 ..........341,900 .......1,825,603 ................74.0 ................65.7 ................75.7 .....................0 .....................0 ............100.00 ..........877,785 ..........137,98410. 2009. .......2,165,137 ..........300,670 .......1,864,467 ................76.4 ................87.7 ................74.9 .....................0 .....................0 ............100.00 .......1,027,709 ..........157,33411. 2010. .......2,194,559 ..........199,416 .......1,995,143 ................78.3 ................71.2 ................79.1 .....................0 .....................0 ............100.00 .......1,368,325 ..........271,49712. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .....11,229,685 .......1,449,783

Page 28: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

37

SCHEDULE P - PART 1E - COMMERCIAL MULTIPLE PERIL($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ........17,089 ..........4,335 ........35,760 ..........4,573 ..........8,679 ...............39 ........16,320 ............52,581 ......XXX.......2. 2001....... .......2,317,787 ..........189,780 .......2,128,008 ...1,926,046 ......654,865 ......232,481 ..........8,331 ......143,594 ........17,974 ........55,219 .......1,620,950 ......215,6493. 2002....... .......2,607,030 ..........229,568 .......2,377,463 ......947,550 ........40,937 ......156,447 ..........2,728 ........73,503 .............973 ........46,959 .......1,132,861 ......129,5784. 2003....... .......2,984,902 ..........291,889 .......2,693,012 ......963,131 ........42,030 ......154,590 ..........1,225 ........71,838 ..........1,159 ........45,823 .......1,145,145 ......102,1365. 2004....... .......3,148,514 ..........235,110 .......2,913,404 ...1,040,920 ........40,425 ......142,697 ..........2,464 ........76,819 .............695 ........52,549 .......1,216,852 ........93,9106. 2005....... .......3,008,519 ..........214,933 .......2,793,585 ...1,807,168 ......454,227 ......154,280 ..........3,173 ........85,802 .............757 ........40,986 .......1,589,093 ........97,4787. 2006....... .......3,166,756 ..........214,426 .......2,952,330 ......899,564 ........34,080 ......134,312 ..........2,173 ........79,392 .............100 ........38,015 .......1,076,915 ........95,6308. 2007....... .......3,225,294 ..........254,296 .......2,970,998 ......985,727 ........43,214 ......121,769 ..........1,565 ........87,529 ............(558) ........41,639 .......1,150,804 ........90,2429. 2008....... .......3,089,614 ..........231,388 .......2,858,226 ...1,182,452 ........77,493 ........87,154 ..........2,051 ........98,546 .................3 ........37,719 .......1,288,605 ........98,50710. 2009....... .......2,983,615 ..........229,565 .......2,754,050 ......881,199 ........36,128 ........52,647 ..........1,025 ........87,883 .................0 ........21,989 ..........984,576 ........92,20211. 2010....... .......3,032,313 ..........222,560 .......2,809,752 ......660,351 ........29,304 ........23,739 .............718 ........63,959 .................0 ..........8,158 ..........718,027 ........85,85312. Totals..... .........XXX........ .........XXX........ .........XXX........ .11,311,198 ...1,457,038 ...1,295,876 ........30,027 ......877,544 ........21,143 ......405,376 .....11,976,408 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........47,837 ..........1,995 ......263,323 ........32,782 ........44,456 ...........(441) ......113,511 ..........2,709 ........74,284 ...............15 ..........1,910 ..........506,350 ......149,6502. 2001..... ........10,061 .............493 ........41,397 ........12,917 ..........4,945 ...............47 ........10,402 ..........3,843 ..........9,453 .................4 .............979 ............58,952 ..........1,5993. 2002..... ........14,521 .................6 ........32,667 ..........5,682 ..........4,507 .............260 ..........9,301 .............176 ..........8,879 .................2 ..........1,125 ............63,749 ..........1,4984. 2003..... ........19,719 .............474 ........42,587 ..........3,737 ..........4,872 ...............47 ........16,274 .............535 ........12,168 .................2 ..........2,450 ............90,826 ..........1,6145. 2004..... ........29,403 .............314 ........28,739 ..........2,739 ..........5,010 ...............56 ..........9,786 .............707 ........14,254 .................5 ..........4,313 ............83,372 ..........3,3856. 2005..... ........36,321 ..........3,437 ........41,522 ........27,307 ........10,049 .............703 ..........6,495 .............457 ........12,874 .................1 ........10,109 ............75,357 ..........1,8427. 2006..... ........77,428 ..........2,039 ........39,146 ..........1,271 ........17,984 .............144 ........13,444 ...............80 ........32,147 .................0 ........12,031 ..........176,615 ..........9,1778. 2007..... ......142,617 ..........3,890 ........75,434 ..........4,738 ........28,597 .............153 ........49,733 .............201 ........13,823 .................1 ........21,680 ..........301,222 ..........2,9119. 2008..... ......215,425 ..........3,020 ........97,405 ..........2,116 ........38,989 .............233 ........67,472 .............533 ........17,521 ...............(0) ........36,368 ..........430,909 ..........4,093

10. 2009..... ......259,913 ........15,576 ......167,087 ..........5,827 ........35,412 .............701 ........96,370 .............646 ........24,416 .................0 ........41,780 ..........560,447 ..........6,13111. 2010..... ......466,459 ........19,166 ......379,399 ........30,287 ........30,930 .............724 ......147,510 ..........3,032 ........55,334 .................1 ........58,673 .......1,026,423 ........14,77312. Totals... ...1,319,703 ........50,409 ...1,208,706 ......129,404 ......225,752 ..........2,626 ......540,298 ........12,919 ......275,152 ...............30 ......191,419 .......3,374,223 ......196,673

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........276,383 ..........229,9672. 2001. .......2,378,378 ..........698,476 .......1,679,902 ..............102.6 ..............368.0 ................78.9 .....................0 .....................0 ............100.00 ............38,047 ............20,9053. 2002. .......1,247,375 ............50,765 .......1,196,610 ................47.8 ................22.1 ................50.3 .....................0 .....................0 ............100.00 ............41,500 ............22,2494. 2003. .......1,285,178 ............49,208 .......1,235,970 ................43.1 ................16.9 ................45.9 .....................0 .....................0 ............100.00 ............58,095 ............32,7305. 2004. .......1,347,629 ............47,406 .......1,300,224 ................42.8 ................20.2 ................44.6 .....................0 .....................0 ............100.00 ............55,089 ............28,2836. 2005. .......2,154,512 ..........490,061 .......1,664,450 ................71.6 ..............228.0 ................59.6 .....................0 .....................0 ............100.00 ............47,100 ............28,2577. 2006. .......1,293,416 ............39,887 .......1,253,530 ................40.8 ................18.6 ................42.5 .....................0 .....................0 ............100.00 ..........113,263 ............63,3518. 2007. .......1,505,229 ............53,203 .......1,452,026 ................46.7 ................20.9 ................48.9 .....................0 .....................0 ............100.00 ..........209,423 ............91,7999. 2008. .......1,804,963 ............85,449 .......1,719,515 ................58.4 ................36.9 ................60.2 .....................0 .....................0 ............100.00 ..........307,694 ..........123,21610. 2009. .......1,604,927 ............59,904 .......1,545,023 ................53.8 ................26.1 ................56.1 .....................0 .....................0 ............100.00 ..........405,597 ..........154,85011. 2010. .......1,827,681 ............83,230 .......1,744,451 ................60.3 ................37.4 ................62.1 .....................0 .....................0 ............100.00 ..........796,405 ..........230,01812. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......2,348,597 .......1,025,626

Page 29: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

38

SCHEDULE P - PART 1F - SECTION 1 - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCE($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ..........2,011 .................0 .............495 .................0 .............528 .................0 ...............61 ..............3,034 ......XXX.......2. 2001....... ..........118,369 ............36,434 ............81,935 ......103,909 ..........7,212 ........23,934 .............693 ..........4,474 .............241 ...............72 ..........124,171 ..........1,8893. 2002....... ..........178,474 ............47,216 ..........131,258 ......165,360 ........11,308 ........45,442 .............699 ..........9,348 .............100 .............195 ..........208,043 ..........2,2384. 2003....... ............39,135 ............11,298 ............27,837 ........15,790 ..........1,511 ..........7,332 .............763 ..........4,678 ...............10 .................3 ............25,516 .............2735. 2004....... ..........(39,122) ..............1,856 ..........(40,978) .............555 ..........1,854 .............294 .............226 ..........3,867 ................(3) .................0 ..............2,639 ...............106. 2005....... ..............1,241 ..............1,098 .................143 ...............72 .............246 ...............22 .............143 .............652 ................(4) .................0 .................361 .................57. 2006....... ..............1,217 ...............(119) ..............1,336 ...............10 .................0 .................6 .................0 .............568 ................(4) .................0 .................588 .................28. 2007....... .................(16) ...................10 .................(26) .................1 .................0 .................1 .................0 .............627 ................(4) .................0 .................633 .................19. 2008....... .................(27) ...................18 .................(45) .................0 .................0 .................0 .................0 .................6 .................0 .................0 .....................6 .................010. 2009....... .....................2 ...................15 .................(13) .................0 .................0 .................0 .................0 ...............66 .................0 .................0 ...................66 .................011. 2010....... .....................0 ...................12 .................(12) .................0 .................0 .................0 .................0 .............115 .................0 .................0 .................115 .................112. Totals..... .........XXX........ .........XXX........ .........XXX........ ......287,708 ........22,130 ........77,525 ..........2,524 ........24,929 .............336 .............331 ..........365,170 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........12,447 ...............(0) ..........3,380 ..........1,346 ..........1,155 .................0 ..........1,383 ...............28 .............174 .................0 .................0 ............17,166 .............1402. 2001..... ........13,241 .............261 ..........3,303 ..........3,082 .............673 .................8 .............257 ...............74 ...............48 .................0 .................0 ............14,097 ...............313. 2002..... ........11,041 ...............70 ..........3,652 ..........3,124 ..........1,172 ...............62 .............810 .............578 ...............34 .................0 .................0 ............12,874 ...............224. 2003..... ..........1,225 .................0 ........17,964 ........16,180 .............278 .................0 ..........2,417 ..........1,790 .................1 .................0 .................0 ..............3,915 .................05. 2004..... .................0 ...............45 ..........5,644 ..........5,174 .................0 .................0 .............850 .............639 .................1 .................0 .................0 .................637 .................06. 2005..... .................0 ...............90 .............483 .............184 .................0 .................0 ...............73 ...............36 .................1 .................0 .................0 .................248 .................07. 2006..... ...............33 .................0 ...............20 .................0 .................3 .................0 .................4 .................0 .................1 .................0 .................0 ...................60 .................08. 2007..... .................5 .................0 .................5 .................0 .................0 .................0 .................1 .................0 .................1 .................0 .................0 ...................13 .................09. 2008..... .................0 .................0 .................0 .................2 .................0 .................0 .................0 .................0 .................1 .................0 .................0 ....................(1) .................0

10. 2009..... .................0 .................0 .................0 .................3 .................0 .................0 .................0 .................0 .................1 .................0 .................0 ....................(2) .................011. 2010..... .................0 .................0 .................0 .................8 .................0 .................0 .................0 .................1 .............(62) .................0 .................0 ..................(70) .................012. Totals... ........37,991 .............466 ........34,452 ........29,101 ..........3,282 ...............70 ..........5,795 ..........3,146 .............200 .................0 .................0 ............48,936 .............193

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............14,481 ..............2,6852. 2001. ..........149,839 ............11,571 ..........138,268 ..............126.6 ................31.8 ..............168.8 .....................0 .....................0 ............100.00 ............13,201 .................8963. 2002. ..........236,858 ............15,941 ..........220,917 ..............132.7 ................33.8 ..............168.3 .....................0 .....................0 ............100.00 ............11,498 ..............1,3764. 2003. ............49,684 ............20,254 ............29,431 ..............127.0 ..............179.3 ..............105.7 .....................0 .....................0 ............100.00 ..............3,009 .................9065. 2004. ............11,210 ..............7,935 ..............3,276 ...............(28.7) ..............427.6 .................(8.0) .....................0 .....................0 ............100.00 .................425 .................2126. 2005. ..............1,304 .................695 .................609 ..............105.1 ................63.3 ..............426.0 .....................0 .....................0 ............100.00 .................210 ...................387. 2006. .................644 ....................(4) .................648 ................52.9 ..................3.5 ................48.5 .....................0 .....................0 ............100.00 ...................53 .....................88. 2007. .................642 ....................(4) .................646 ..........(3,979.5) ...............(42.7) ..........(2,497.4) .....................0 .....................0 ............100.00 ...................11 .....................29. 2008. .....................7 .....................2 .....................5 ...............(24.0) ................10.4 ...............(10.6) .....................0 .....................0 ............100.00 ....................(2) .....................110. 2009. ...................67 .....................3 ...................64 ...........3,582.3 ................19.3 .............(496.2) .....................0 .....................0 ............100.00 ....................(3) .....................111. 2010. ...................53 .....................9 ...................45 .......337,527.2 ................72.5 .............(367.2) .....................0 .....................0 ............100.00 ....................(8) ..................(62)12. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............42,876 ..............6,061

Page 30: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

39

SCHEDULE P - PART 1F - SECTION 2 - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADE($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ........24,883 ..........5,710 ..........1,875 .............146 .............630 .................1 ..........1,001 ............21,531 ......XXX.......2. 2001....... ..........564,259 ............19,578 ..........544,681 ......760,834 ......134,379 ......142,653 ........10,984 ........41,965 ..........3,895 ..........3,670 ..........796,195 ........10,5703. 2002....... ..........348,542 ..........124,973 ..........223,569 ......333,499 ........39,642 ........75,246 ..........5,589 ........24,102 ..........2,946 .............355 ..........384,670 ..........6,0074. 2003....... ............58,284 ............24,891 ............33,394 ........14,786 ..........4,013 ..........8,116 ..........3,808 ..........2,761 .............611 .................4 ............17,231 .............5515. 2004....... ............73,325 ............19,742 ............53,584 ..........6,874 ..........3,615 ..........4,636 ..........2,259 ..........1,221 .............313 .................0 ..............6,543 .............3706. 2005....... ............14,318 ............10,622 ..............3,696 ..........4,031 ..........2,509 ..........2,540 ..........1,321 .............401 .............350 .................0 ..............2,792 .............2307. 2006....... .................457 ...............(183) .................640 ............(166) .................0 .............211 .................0 .............386 .................0 .................0 .................432 .................08. 2007....... .................255 ...............(122) .................377 .................0 .................0 .................0 .................0 .............399 .................0 .................0 .................399 .................09. 2008....... .................350 ...................(0) .................350 ..........1,000 .................0 .............566 .................0 .............435 ................(0) .................0 ..............2,001 .................110. 2009....... .................320 ...................18 .................302 .................0 .................0 .................0 .................0 .............163 .................0 .................0 .................162 .................011. 2010....... ...................17 .....................3 ...................14 .............132 .................0 .................0 .................0 .............113 .................0 .................0 .................245 .................212. Totals..... .........XXX........ .........XXX........ .........XXX........ ...1,145,873 ......189,868 ......235,843 ........24,107 ........72,576 ..........8,115 ..........5,030 .......1,232,202 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........59,102 ..........1,229 ........34,138 ........17,767 ..........2,648 ...............50 ..........5,110 .............971 ..........5,185 .................0 .................0 ............86,167 .............1292. 2001..... ........11,657 ..........7,716 ........20,827 ..........9,546 .............900 .............350 ..........1,131 .............351 .............688 .................0 .................0 ............17,239 ...............833. 2002..... ..........8,952 ...............14 ..........8,421 ..........3,690 .............615 .................0 .............559 .............214 .............285 .................0 .................0 ............14,915 ...............144. 2003..... ..........2,143 ..........1,190 ..........1,941 ..........1,089 ...............55 .................0 .............756 .............496 ...............15 .................0 .................0 ..............2,135 .................65. 2004..... .................7 .................0 ..........5,642 ..........2,190 ...............21 .................0 .............212 ...............19 ...............15 .................0 .................0 ..............3,690 .................06. 2005..... .............309 .............154 ..........2,313 ..........1,486 .................0 .................0 ...............45 .................3 ...............15 .................0 .................0 ..............1,038 .................47. 2006..... .................0 .................0 .................0 ...............31 .................0 .................0 .................0 .................2 ...............15 .................0 .................0 ..................(18) .................08. 2007..... .................0 .................0 .............192 .................0 .................0 .................0 ...............82 .................0 ...............15 .................0 .................0 .................288 .................09. 2008..... .............125 .................0 ...............69 .................0 .............117 .................0 ...............33 .................0 ...............15 .................0 .................0 .................360 .................0

10. 2009..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ...............15 .................0 .................0 ...................15 .................011. 2010..... .................0 .................0 ...............(0) .................0 .................1 .................0 ...............(1) .................0 .............121 .................0 .................0 .................121 .................112. Totals... ........82,296 ........10,304 ........73,542 ........35,799 ..........4,357 .............400 ..........7,927 ..........2,054 ..........6,384 .................0 .................0 ..........125,949 .............237

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............74,244 ............11,9232. 2001. ..........980,654 ..........167,221 ..........813,433 ..............173.8 ..............854.1 ..............149.3 .....................0 .....................0 ............100.00 ............15,221 ..............2,0173. 2002. ..........451,679 ............52,094 ..........399,585 ..............129.6 ................41.7 ..............178.7 .....................0 .....................0 ............100.00 ............13,669 ..............1,2464. 2003. ............30,574 ............11,207 ............19,367 ................52.5 ................45.0 ................58.0 .....................0 .....................0 ............100.00 ..............1,805 .................3305. 2004. ............18,628 ..............8,396 ............10,233 ................25.4 ................42.5 ................19.1 .....................0 .....................0 ............100.00 ..............3,460 .................2306. 2005. ..............9,654 ..............5,824 ..............3,830 ................67.4 ................54.8 ..............103.6 .....................0 .....................0 ............100.00 .................981 ...................577. 2006. .................447 ...................33 .................414 ................97.8 ...............(18.1) ................64.7 .....................0 .....................0 ............100.00 ..................(31) ...................138. 2007. .................688 .....................0 .................688 ..............270.1 ..................0.0 ..............182.6 .....................0 .....................0 ............100.00 .................192 ...................979. 2008. ..............2,361 ....................(0) ..............2,361 ..............674.7 ................12.3 ..............674.4 .....................0 .....................0 ............100.00 .................194 .................16610. 2009. .................178 .....................0 .................178 ................55.5 ..................0.2 ................58.9 .....................0 .....................0 ............100.00 .....................0 ...................1511. 2010. .................366 .....................0 .................366 ...........2,149.1 ..................0.0 ...........2,607.1 .....................0 .....................0 ............100.00 .....................0 .................12112. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........109,734 ............16,215

Page 31: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

40

SCHEDULE P - PART 1G - SPECIAL LIABILITY(OCEAN MARINE, AIRCRAFT (ALL PERILS), BOILER AND MACHINERY)

($000 omitted)Premiums Earned Loss and Loss Expense Payments 12

Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 NumberPremiums Loss Payments Containment Payments Payments of

Were 4 5 6 7 8 9 Salvage Total ClaimsEarned and Direct Direct Direct Direct and Net Paid Reported-

Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct andIncurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed

1. Prior....... .........XXX........ .........XXX........ .........XXX........ ........15,606 ........12,538 ..........1,171 .............666 .............588 .................2 .............133 ..............4,159 ......XXX.......2. 2001....... ..........485,691 ..........212,660 ..........273,031 ......298,471 ......151,435 ........19,026 ..........9,193 ........14,415 .............632 ..........8,609 ..........170,651 ......XXX.......3. 2002....... ..........622,266 ..........270,798 ..........351,467 ......192,061 ........61,207 ........15,395 ..........4,296 ........12,773 .............682 ........10,818 ..........154,044 ......XXX.......4. 2003....... ..........483,595 ..........128,026 ..........355,568 ......144,085 ........24,164 ........12,202 ..........1,569 ........17,752 .............816 ........22,052 ..........147,489 ......XXX.......5. 2004....... ..........514,059 ..........104,135 ..........409,924 ......208,515 ........50,378 ........11,406 ..........3,282 ........19,560 .............150 ..........9,343 ..........185,671 ......XXX.......6. 2005....... ..........508,401 ............69,187 ..........439,213 ......246,663 ........79,408 ........13,413 ..........2,225 ........13,991 .............123 ........14,250 ..........192,310 ......XXX.......7. 2006....... ..........502,041 ............33,456 ..........468,584 ......174,794 ..........7,063 ........15,220 .............391 ........14,377 .............143 ........11,641 ..........196,792 ......XXX.......8. 2007....... ..........516,057 ............36,904 ..........479,153 ......137,274 ..........4,949 ........13,534 ...............78 ........11,931 ..............(45) ..........7,842 ..........157,757 ......XXX.......9. 2008....... ..........504,138 ............38,918 ..........465,220 ......162,717 ........11,555 ........11,762 .............162 ........13,386 .................2 ..........7,204 ..........176,147 ......XXX.......10. 2009....... ..........499,167 ............35,428 ..........463,739 ......128,633 ........14,478 ..........7,248 ...............93 ........12,814 .................2 ..........4,550 ..........134,123 ......XXX.......11. 2010....... ..........481,986 ............28,226 ..........453,760 ........97,393 .............570 ..........4,049 .................4 ........11,125 .................3 ..........2,351 ..........111,989 ......XXX.......12. Totals..... .........XXX........ .........XXX........ .........XXX........ ...1,806,213 ......417,745 ......124,425 ........21,960 ......142,710 ..........2,511 ........98,794 .......1,631,132 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........44,406 ........30,179 ........38,608 ........26,559 ........11,433 ..........9,313 ..........5,375 ..........2,593 ..........2,410 .................1 .................3 ............33,587 .............2502. 2001..... ..........2,813 ..........1,565 ..........5,567 ..........2,484 .............261 .............180 ..........1,216 .............710 ...............68 .................0 .................3 ..............4,987 ...............103. 2002..... .............300 ..........1,264 ..........4,131 ..........3,473 .................8 .............552 ..........1,327 .............250 ...............59 .................0 ...............22 .................285 ...............124. 2003..... .............347 .............194 ..........3,258 ..........1,461 ...............53 ...............18 .............959 ...............88 .............252 ...............31 .............123 ..............3,076 ...............235. 2004..... ..........3,697 ..........2,491 ..........3,580 ..........3,138 .............325 .............255 ..........1,548 .............152 .............171 .................0 .............466 ..............3,283 ...............496. 2005..... ..........5,258 .............460 ........12,324 ........11,722 .............497 ...............82 .............828 ..........1,175 .............329 .................1 .............965 ..............5,796 .............1007. 2006..... ........10,370 ...............49 ..........2,628 ..........1,303 ..........1,567 ...............16 .............153 .............211 .............483 .................1 ..........3,224 ............13,619 .............1498. 2007..... ........13,095 .............618 ..........3,341 ..........3,199 ..........1,836 .................0 .............333 .............176 .............641 .................2 ..........4,131 ............15,251 .............1839. 2008..... ........25,344 ..........3,840 ........11,242 ..........2,094 ..........3,830 .............779 ..........2,208 ...........(378) ..........1,750 .................5 ..........7,519 ............38,035 .............470

10. 2009..... ........22,772 .............198 ........26,756 ..........5,452 ..........3,077 .................0 ..........1,588 .............102 ..........1,920 .................5 ..........9,289 ............50,356 .............59511. 2010..... ........52,335 .............132 ........56,006 ..........4,170 ..........2,894 .................2 ..........7,815 .............330 ........10,238 ...............14 ........18,229 ..........124,641 ..........2,03112. Totals... ......180,737 ........40,989 ......167,440 ........65,056 ........25,780 ........11,197 ........23,350 ..........5,409 ........18,320 ...............60 ........43,975 ..........292,916 ..........3,872

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............26,277 ..............7,3102. 2001. ..........341,837 ..........166,199 ..........175,639 ................70.4 ................78.2 ................64.3 .....................0 .....................0 ............100.00 ..............4,332 .................6563. 2002. ..........226,054 ............71,724 ..........154,329 ................36.3 ................26.5 ................43.9 .....................0 .....................0 ............100.00 ................(306) .................5914. 2003. ..........178,907 ............28,342 ..........150,566 ................37.0 ................22.1 ................42.3 .....................0 .....................0 ............100.00 ..............1,949 ..............1,1275. 2004. ..........248,801 ............59,848 ..........188,953 ................48.4 ................57.5 ................46.1 .....................0 .....................0 ............100.00 ..............1,647 ..............1,6366. 2005. ..........293,302 ............95,195 ..........198,107 ................57.7 ..............137.6 ................45.1 .....................0 .....................0 ............100.00 ..............5,400 .................3967. 2006. ..........219,591 ..............9,179 ..........210,411 ................43.7 ................27.4 ................44.9 .....................0 .....................0 ............100.00 ............11,645 ..............1,9748. 2007. ..........181,984 ..............8,976 ..........173,008 ................35.3 ................24.3 ................36.1 .....................0 .....................0 ............100.00 ............12,619 ..............2,6319. 2008. ..........232,239 ............18,057 ..........214,182 ................46.1 ................46.4 ................46.0 .....................0 .....................0 ............100.00 ............30,652 ..............7,383

10. 2009. ..........204,809 ............20,330 ..........184,479 ................41.0 ................57.4 ................39.8 .....................0 .....................0 ............100.00 ............43,878 ..............6,47811. 2010. ..........241,855 ..............5,226 ..........236,630 ................50.2 ................18.5 ................52.1 .....................0 .....................0 ............100.00 ..........104,039 ............20,60212. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........242,132 ............50,783

Page 32: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

41

SCHEDULE P - PART 1H - SECTION 1 - OTHER LIABILITY - OCCURRENCE($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ......176,882 ........46,384 ......221,567 ........47,335 ........78,709 .............236 .........(1,162) ..........383,203 ......XXX.......2. 2001....... .......1,680,384 ..........317,607 .......1,362,777 ...1,039,635 ......258,129 ......273,896 ........57,594 ......101,615 ..........1,036 ........10,609 .......1,098,387 ......103,9903. 2002....... .......2,079,781 ..........446,337 .......1,633,444 ......951,220 ......261,606 ......277,822 ........55,135 ........82,957 ..........3,550 ..........7,872 ..........991,708 ........81,2914. 2003....... .......2,294,564 ..........529,308 .......1,765,256 ......780,439 ......167,212 ......237,489 ........42,289 ........95,925 ..........6,271 .............728 ..........898,080 ........76,7225. 2004....... .......2,051,442 ..........335,303 .......1,716,139 ......598,533 ........95,846 ......151,158 ........27,645 ........80,559 ..........6,383 ..........2,616 ..........700,376 ........48,3546. 2005....... .......2,192,309 ..........408,839 .......1,783,470 ......488,334 ......100,890 ......135,947 ........29,814 ........71,922 ..........2,362 .............720 ..........563,137 ........28,5637. 2006....... .......2,235,098 ..........392,722 .......1,842,376 ......433,380 ........65,965 ........93,821 ........11,860 ........65,085 ...............86 ..........1,748 ..........514,375 ........21,8538. 2007....... .......2,274,733 ..........459,373 .......1,815,360 ......412,805 ........53,115 ........76,225 ..........8,719 ........58,950 ............(291) .............475 ..........486,438 ........20,4949. 2008....... .......2,103,660 ..........247,144 .......1,856,516 ......354,576 ........51,765 ........44,516 ..........2,385 ........72,836 .................6 .............253 ..........417,771 ........20,36410. 2009....... .......1,981,642 ..........181,326 .......1,800,316 ......151,447 ..........8,353 ........15,289 .............366 ........56,605 ...............49 .............223 ..........214,572 ........18,52611. 2010....... .......1,814,125 ..........136,016 .......1,678,109 ........30,633 ..........1,349 ..........3,095 .............118 ........65,454 .............105 .............103 ............97,611 ........16,63512. Totals..... .........XXX........ .........XXX........ .........XXX........ ...5,417,883 ...1,110,613 ...1,530,826 ......283,259 ......830,616 ........19,794 ........24,185 .......6,365,659 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ......509,257 ......242,052 ...1,794,397 ......327,657 ......169,064 ........35,478 ......380,823 ........51,922 ......226,306 .............361 ..........1,296 .......2,422,375 ......781,1202. 2001..... ........68,746 ........24,915 ........65,268 ........13,957 ..........9,479 ..........2,039 ........28,223 ..........6,442 ........83,046 .............172 .............525 ..........207,237 ........21,5173. 2002..... ........48,570 ........35,918 ......102,762 ........30,902 ..........7,989 ..........1,622 ........28,865 ..........9,453 ..........8,818 ...............64 .............605 ..........119,045 ..........2,8004. 2003..... ........51,073 ........15,150 ......132,386 ........43,646 ........10,166 ..........1,234 ........34,893 ..........9,405 ........96,190 .............209 .............877 ..........255,063 ..........3,8865. 2004..... ........54,397 ..........8,138 ......133,009 ........30,480 ........17,257 .............897 ........36,272 ..........5,740 ..........7,599 ...............43 .............900 ..........203,235 ..........1,5756. 2005..... ........55,942 ........14,539 ......202,635 ........32,684 ........12,389 ..........2,446 ........39,223 ..........7,789 ..........7,133 ...............11 ..........1,014 ..........259,853 .............8127. 2006..... ........95,227 ........13,405 ......351,634 ........71,428 ........15,624 ..........3,124 ........49,098 ........21,271 ..........9,719 .................4 ..........1,482 ..........412,070 ..........1,3158. 2007..... ......145,116 ........20,630 ......485,243 ........93,820 ........23,648 ..........3,103 ........57,662 ..........5,358 ........14,697 .................5 ..........3,167 ..........603,449 ..........1,6109. 2008..... ......204,169 ........17,744 ......613,779 ........92,632 ........33,345 ..........2,283 ........86,468 ..........5,348 ........35,687 ...............12 ..........5,001 ..........855,429 ..........3,679

10. 2009..... ......164,238 ..........5,361 ......700,993 ........84,557 ........23,542 .............491 ......109,653 ..........9,849 ........25,949 .................6 ..........5,612 ..........924,111 ..........2,85711. 2010..... ......134,902 ..........5,477 ......797,337 ........80,543 ........13,064 .............324 ......132,400 ..........6,998 ........35,067 .................8 ..........6,431 .......1,019,419 ..........3,99312. Totals... ...1,531,636 ......403,329 ...5,379,444 ......902,307 ......335,565 ........53,041 ......983,580 ......139,575 ......550,210 .............895 ........26,910 .......7,281,287 ......825,164

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......1,733,944 ..........688,4322. 2001. .......1,669,907 ..........364,283 .......1,305,624 ................99.4 ..............114.7 ................95.8 .....................0 .....................0 ............100.00 ............95,142 ..........112,0963. 2002. .......1,509,003 ..........398,250 .......1,110,753 ................72.6 ................89.2 ................68.0 .....................0 .....................0 ............100.00 ............84,512 ............34,5324. 2003. .......1,438,560 ..........285,417 .......1,153,143 ................62.7 ................53.9 ................65.3 .....................0 .....................0 ............100.00 ..........124,663 ..........130,4005. 2004. .......1,078,784 ..........175,173 ..........903,611 ................52.6 ................52.2 ................52.7 .....................0 .....................0 ............100.00 ..........148,787 ............54,4476. 2005. .......1,013,525 ..........190,535 ..........822,990 ................46.2 ................46.6 ................46.1 .....................0 .....................0 ............100.00 ..........211,354 ............48,4997. 2006. .......1,113,588 ..........187,143 ..........926,445 ................49.8 ................47.7 ................50.3 .....................0 .....................0 ............100.00 ..........362,028 ............50,0428. 2007. .......1,274,346 ..........184,459 .......1,089,887 ................56.0 ................40.2 ................60.0 .....................0 .....................0 ............100.00 ..........515,909 ............87,5409. 2008. .......1,445,375 ..........172,175 .......1,273,200 ................68.7 ................69.7 ................68.6 .....................0 .....................0 ............100.00 ..........707,573 ..........147,85610. 2009. .......1,247,716 ..........109,032 .......1,138,684 ................63.0 ................60.1 ................63.2 .....................0 .....................0 ............100.00 ..........775,314 ..........148,79711. 2010. .......1,211,952 ............94,921 .......1,117,030 ................66.8 ................69.8 ................66.6 .....................0 .....................0 ............100.00 ..........846,218 ..........173,20112. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......5,605,443 .......1,675,843

Page 33: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

42

SCHEDULE P - PART 1H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ........58,959 ........35,183 ........14,731 .............122 ..........1,235 .............521 .............318 ............39,099 ......XXX.......2. 2001....... ..........574,617 ............75,738 ..........498,880 ......840,272 ......439,977 ......111,484 ........23,872 ........35,421 ..........5,169 ..........7,425 ..........518,159 ........11,7493. 2002....... .......1,012,875 ..........366,931 ..........645,944 ......892,962 ......456,922 ......109,986 ........18,899 ........29,445 ..........5,022 ..........1,076 ..........551,550 ........12,9944. 2003....... .......1,382,283 ..........518,185 ..........864,099 ......649,866 ......175,124 ........78,256 ........10,344 ........40,801 ........11,199 .............774 ..........572,256 ........13,2625. 2004....... .......1,436,921 ..........444,117 ..........992,804 ......475,146 ......155,239 ........67,693 ..........7,387 ........45,647 ........10,582 .............986 ..........415,278 ........11,7236. 2005....... .......1,226,006 ..........191,411 .......1,034,595 ......383,609 ........44,086 ........44,933 ..........2,210 ........33,764 ..........4,916 ..........2,282 ..........411,095 ..........8,6957. 2006....... .......1,199,349 ..........160,409 .......1,038,940 ......386,452 ........32,268 ........37,040 .............512 ........33,677 .............800 ..........2,179 ..........423,588 ........10,4898. 2007....... .......1,422,356 ..........408,497 .......1,013,858 ......309,510 ........16,158 ........28,400 .............220 ........29,194 .............743 .............948 ..........349,983 ........10,4779. 2008....... .......1,123,878 ..........161,300 ..........962,578 ......288,539 ........15,031 ........21,542 .............205 ........32,410 ..........1,265 .............475 ..........325,990 ..........5,78510. 2009....... .......1,182,104 ..........199,428 ..........982,675 ......164,865 .............735 ........12,588 .............256 ........27,879 ..........1,101 .............342 ..........203,241 ..........5,84611. 2010....... .......1,186,359 ..........251,901 ..........934,459 ........31,731 .............106 ..........2,788 ...............40 ..........9,969 ...............71 ...............33 ............44,271 ..........4,07212. Totals..... .........XXX........ .........XXX........ .........XXX........ ...4,481,911 ...1,370,828 ......529,442 ........64,068 ......319,443 ........41,390 ........16,838 .......3,854,509 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........54,655 ..........9,834 ......120,538 ........21,596 ..........4,958 .............187 ........38,617 ..........6,705 ..........7,606 .............683 .............105 ..........187,370 .............2812. 2001..... ........43,113 ........29,387 ........62,675 ........15,493 ..........1,645 .............119 ..........7,717 ..........4,176 ..........3,417 .............610 .............108 ............68,783 .............1283. 2002..... ........57,249 ........28,530 ........77,512 ........36,390 ..........4,204 .............187 ........14,750 ..........4,310 ..........3,813 .............349 .............117 ............87,762 .............1324. 2003..... ........60,712 ..........1,582 ........38,752 ........12,779 ..........1,114 ...............(0) ........37,908 ........23,018 ..........5,462 .............871 .............166 ..........105,698 .............1975. 2004..... ........34,443 ........18,168 ........46,837 ........19,106 ..........1,254 ...............35 ........13,358 ..........4,559 ..........3,688 .............436 .............160 ............57,276 .............1776. 2005..... ........38,371 ..........8,583 ........38,623 ..........8,742 ..........2,790 .............178 ........17,696 ..........4,521 ..........4,222 .............189 .............239 ............79,490 .............2607. 2006..... ........66,857 ........21,449 ......156,432 ........14,805 ..........6,049 .............240 ........37,425 ..........7,955 ........12,278 .................0 .............486 ..........234,592 .............7088. 2007..... ........75,710 ..........5,579 ......218,844 ........60,984 ..........4,815 ...............85 ........73,767 ..........6,233 ..........9,959 ...............(0) .............837 ..........310,215 .............6789. 2008..... ......147,602 ........23,896 ......242,306 ........27,274 ..........6,699 ...............82 ......166,004 ..........9,315 ........16,081 .................0 ..........1,615 ..........518,124 ..........1,156

10. 2009..... ......189,832 ........25,275 ......224,339 ........41,796 ........11,804 ...............38 ......147,857 ........14,360 ........21,947 ...............(0) ..........1,685 ..........514,312 ..........2,28811. 2010..... ........76,091 .............325 ......392,632 ........49,876 ..........9,924 ...............93 ......168,259 ........14,084 ........16,882 .................0 ..........2,015 ..........599,409 ..........2,95912. Totals... ......844,637 ......172,607 ...1,619,489 ......308,840 ........55,256 ..........1,243 ......723,358 ........99,234 ......105,354 ..........3,139 ..........7,533 .......2,763,030 ..........8,964

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........143,764 ............43,6062. 2001. .......1,105,744 ..........518,803 ..........586,942 ..............192.4 ..............685.0 ..............117.7 .....................0 .....................0 ............100.00 ............60,909 ..............7,8743. 2002. .......1,189,921 ..........550,609 ..........639,312 ..............117.5 ..............150.1 ................99.0 .....................0 .....................0 ............100.00 ............69,841 ............17,9214. 2003. ..........912,871 ..........234,918 ..........677,953 ................66.0 ................45.3 ................78.5 .....................0 .....................0 ............100.00 ............85,103 ............20,5955. 2004. ..........688,066 ..........215,511 ..........472,554 ................47.9 ................48.5 ................47.6 .....................0 .....................0 ............100.00 ............44,006 ............13,2706. 2005. ..........564,009 ............73,423 ..........490,585 ................46.0 ................38.4 ................47.4 .....................0 .....................0 ............100.00 ............59,669 ............19,8217. 2006. ..........736,210 ............78,030 ..........658,180 ................61.4 ................48.6 ................63.4 .....................0 .....................0 ............100.00 ..........187,035 ............47,5578. 2007. ..........750,200 ............90,002 ..........660,198 ................52.7 ................22.0 ................65.1 .....................0 .....................0 ............100.00 ..........227,992 ............82,2239. 2008. ..........921,182 ............77,068 ..........844,113 ................82.0 ................47.8 ................87.7 .....................0 .....................0 ............100.00 ..........338,737 ..........179,38610. 2009. ..........801,113 ............83,560 ..........717,553 ................67.8 ................41.9 ................73.0 .....................0 .....................0 ............100.00 ..........347,101 ..........167,21111. 2010. ..........708,276 ............64,596 ..........643,680 ................59.7 ................25.6 ................68.9 .....................0 .....................0 ............100.00 ..........418,522 ..........180,88712. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......1,982,679 ..........780,352

Page 34: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

43

SCHEDULE P - PART 1I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE,EARTHQUAKE, BURGLARY AND THEFT)

($000 omitted)Premiums Earned Loss and Loss Expense Payments 12

Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 NumberPremiums Loss Payments Containment Payments Payments of

Were 4 5 6 7 8 9 Salvage Total ClaimsEarned and Direct Direct Direct Direct and Net Paid Reported-

Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct andIncurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed

1. Prior....... ........XXX......... ........XXX......... ........XXX......... ......188,896 ........68,778 ..........9,982 ..........4,825 ..........5,633 ................(7) ........43,867 ..........130,915 ......XXX.......2. 2009...... .......2,426,233 ..........537,177 .......1,889,056 ......832,688 ......144,310 ........24,389 ..........4,672 ........72,298 .................0 ........24,254 ..........780,392 ......XXX.......3. 2010...... .......2,372,533 ..........548,432 .......1,824,101 ......655,903 ......125,617 ........18,622 ..........4,978 ........63,000 .................1 ..........7,911 ..........606,929 ......XXX.......4. Totals..... ........XXX......... ........XXX......... ........XXX......... ...1,677,487 ......338,705 ........52,992 ........14,475 ......140,931 ................(6) ........76,032 .......1,518,237 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ......154,454 ........50,199 ......182,544 ......110,929 ..........7,297 ..........3,063 ........30,759 ........10,902 ........21,450 ...............30 ........78,065 ..........221,381 ..........1,6782. 2009... ......159,574 ........60,438 ........60,626 ........23,429 ..........4,873 ..........1,196 ..........8,416 ..........2,378 ..........3,744 ...............(0) ........36,043 ..........149,791 .............9193. 2010... ......456,791 ......103,465 ......169,059 ........42,904 ........14,782 ..........3,089 ........13,118 ..........4,238 ........39,516 .................0 ........54,056 ..........539,568 ..........5,4264. Totals... ......770,819 ......214,102 ......412,229 ......177,262 ........26,952 ..........7,348 ........52,292 ........17,519 ........64,710 ...............30 ......168,164 ..........910,741 ..........8,023

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........175,870 ............45,5122. 2009 .......1,166,608 ..........236,424 ..........930,184 ................48.1 ................44.0 ................49.2 .....................0 .....................0 ............100.00 ..........136,333 ............13,4583. 2010 .......1,430,790 ..........284,292 .......1,146,498 ................60.3 ................51.8 ................62.9 .....................0 .....................0 ............100.00 ..........479,481 ............60,0884. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........791,684 ..........119,057

Page 35: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

44

SCHEDULE P - PART 1J - AUTO PHYSICAL DAMAGE($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... ........XXX......... ........XXX......... ........XXX......... .......(59,194) .......(56,656) ..........1,693 ..........1,289 ..........5,871 ............(181) ..........8,336 ..............3,916 ......XXX.......2. 2009...... .......1,848,407 ............15,714 .......1,832,693 ......988,392 ........11,776 ..........5,244 .............333 ......209,336 .............410 ......262,488 .......1,190,453 ......648,7833. 2010...... .......1,809,144 ............11,834 .......1,797,310 ......994,861 ..........5,356 ..........3,587 .............132 ......199,172 .............212 ......205,204 .......1,191,921 ......621,9454. Totals..... ........XXX......... ........XXX......... ........XXX......... ...1,924,059 .......(39,524) ........10,524 ..........1,755 ......414,379 .............441 ......476,028 .......2,386,291 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ..........5,216 .............537 ........31,546 ..........6,059 .............483 .............126 ........10,639 ..........1,436 ..........4,281 .................3 ........11,576 ............44,005 ........17,9032. 2009... ..........2,960 .............495 ........17,359 ..........2,515 .............280 ...............96 ..........5,182 .............342 ..........2,424 .................1 ........17,367 ............24,755 ........17,5003. 2010... ........59,509 .............946 ......(10,856) ..........1,565 .............861 ...............49 ..........9,560 .............255 ........21,800 .................5 ......114,142 ............78,054 ........94,8354. Totals... ........67,685 ..........1,978 ........38,049 ........10,139 ..........1,625 .............270 ........25,381 ..........2,034 ........28,506 ...............10 ......143,085 ..........146,814 ......130,238

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............30,166 ............13,8392. 2009 .......1,231,177 ............15,968 .......1,215,208 ................66.6 ..............101.6 ................66.3 .....................0 .....................0 ............100.00 ............17,308 ..............7,4473. 2010 .......1,278,495 ..............8,521 .......1,269,974 ................70.7 ................72.0 ................70.7 .....................0 .....................0 ............100.00 ............46,142 ............31,9124. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............93,616 ............53,197

Page 36: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

45

SCHEDULE P - PART 1K - FIDELITY/SURETY($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... ........XXX......... ........XXX......... ........XXX......... ........30,151 ..........6,112 ........17,265 ..........2,052 ........10,577 .............329 ........30,526 ............49,500 ......XXX.......2. 2009...... .......1,122,366 ............99,158 .......1,023,208 ......206,278 ........12,820 ........14,604 ..........1,027 ........16,311 ..............(78) ..........3,317 ..........223,424 ......XXX.......3. 2010...... .......1,096,206 ............67,364 .......1,028,842 ........34,708 .............204 ..........1,933 .................9 ..........8,129 ............(169) .............584 ............44,725 ......XXX.......4. Totals..... ........XXX......... ........XXX......... ........XXX......... ......271,137 ........19,136 ........33,802 ..........3,088 ........35,017 ...............82 ........34,427 ..........317,650 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ......326,735 ......110,438 ......579,649 ........72,040 ........81,244 ........48,026 ......160,242 ........22,853 ........27,002 .............829 ........80,989 ..........920,687 ..........1,3772. 2009... ........47,675 ........13,494 ........44,646 ........13,452 ..........8,299 .............559 ........83,562 ..........8,800 ........11,406 .................0 ........13,969 ..........159,283 .............3753. 2010... ........25,079 .............715 ......153,851 ........11,201 ..........2,882 ...............82 ......103,744 ..........6,101 ..........7,628 ...........(440) ........15,210 ..........275,524 .............4694. Totals... ......399,489 ......124,647 ......778,146 ........96,693 ........92,425 ........48,667 ......347,548 ........37,754 ........46,036 .............389 ......110,168 .......1,355,494 ..........2,221

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........723,906 ..........196,7812. 2009 ..........432,782 ............50,075 ..........382,707 ................38.6 ................50.5 ................37.4 .....................0 .....................0 ............100.00 ............65,375 ............93,9083. 2010 ..........337,953 ............17,703 ..........320,250 ................30.8 ................26.3 ................31.1 .....................0 .....................0 ............100.00 ..........167,014 ..........108,5104. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........956,295 ..........399,199

Page 37: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

46

SCHEDULE P - PART 1L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... ........XXX......... ........XXX......... ........XXX......... ..........1,360 .............818 .............292 .............146 ..............(12) .................0 .................2 .................676 ......XXX.......2. 2009...... ..............2,515 ..............1,492 ..............1,022 ...............17 .................8 .................4 .................2 .............823 ................(1) .................0 .................833 ......XXX.......3. 2010...... ..............3,330 ..............1,914 ..............1,416 .............883 .............442 .................0 .................0 .............552 ................(0) .................0 .................994 ......XXX.......4. Totals..... ........XXX......... ........XXX......... ........XXX......... ..........2,260 ..........1,268 .............296 .............148 ..........1,363 ................(1) .................2 ..............2,503 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........58,503 ........48,878 ........17,172 ..........7,376 ...............35 ...............28 ..........5,598 ..........2,717 .............(84) ...............(0) .................0 ............22,224 ...............162. 2009... .............200 .............100 .............301 .............150 .................0 .................0 ...............38 ...............19 ...............(0) ...............(0) .................0 .................270 .................23. 2010... ..........1,629 .............815 ..........1,390 .............801 .................0 .................0 ...............76 ...............49 .............340 ...............(0) .................0 ..............1,770 ...............104. Totals... ........60,332 ........49,793 ........18,863 ..........8,328 ...............35 ...............28 ..........5,712 ..........2,785 .............256 ...............(1) .................0 ............24,264 ...............28

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............19,421 ..............2,8032. 2009 ..............1,382 .................279 ..............1,103 ................55.0 ................18.7 ..............107.9 .....................0 .....................0 ............100.00 .................250 ...................193. 2010 ..............4,870 ..............2,106 ..............2,764 ..............146.3 ..............110.1 ..............195.2 .....................0 .....................0 ............100.00 ..............1,403 .................3674. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............21,074 ..............3,190

Page 38: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

47

SCHEDULE P - PART 1M - INTERNATIONAL($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ .............374 .................0 ...............84 .................0 .............481 .................0 .................0 .................940 ......XXX.......2. 2001....... ............15,564 ..............2,658 ............12,906 ........40,943 ..........1,215 .............787 .............103 ...............16 .................3 .................0 ............40,425 ......XXX.......3. 2002....... ............23,002 ..............3,496 ............19,506 .............136 .................0 .............334 .................0 ...............11 .................5 .................4 .................475 ......XXX.......4. 2003....... ..........230,364 ..............5,516 ..........224,848 ......121,180 .................0 ...............11 .................0 ...............38 .................2 .................0 ..........121,226 ......XXX.......5. 2004....... ..........293,207 .....................0 ..........293,207 ......142,191 .................0 .................0 .................0 .............624 ................(0) .................0 ..........142,815 ......XXX.......6. 2005....... ............29,389 .....................8 ............29,382 ..........6,335 .................0 .................0 .................0 ...............11 .................0 .................0 ..............6,346 ......XXX.......7. 2006....... ............(6,808) .....................0 ............(6,808) .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......8. 2007....... ..............2,910 .....................0 ..............2,910 ..........6,988 .................0 .................0 .................0 .................0 .................0 .................0 ..............6,988 ......XXX.......9. 2008....... ..............8,353 .....................0 ..............8,353 ..........5,319 .................0 .................0 .................0 .................0 ................(0) .................0 ..............5,319 ......XXX.......10. 2009....... ..............9,592 .....................0 ..............9,592 .............105 .................0 .................0 .................0 ................(0) .................0 .................0 .................105 ......XXX.......11. 2010....... ..............3,868 .....................0 ..............3,868 .................0 .................0 .................0 .................0 ................(0) .................0 .................0 ...................(0) ......XXX.......12. Totals..... .........XXX........ .........XXX........ .........XXX........ ......323,571 ..........1,215 ..........1,215 .............103 ..........1,181 ...............10 .................4 ..........324,639 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ..........1,889 .................0 .............913 .................0 .................0 .................0 .................8 .................0 .................7 .................0 .................0 ..............2,817 .................12. 2001..... .............205 .................0 .............816 .................0 .................0 .................0 ...............40 .................0 .................0 .................0 .................0 ..............1,062 .................03. 2002..... .................0 .................0 .................2 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................2 .................04. 2003..... .................0 .................0 ...............16 .................0 .................0 .................0 .................7 .................0 .................0 .................0 .................0 ...................23 .................05. 2004..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................06. 2005..... .................0 .................0 .................2 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................2 .................07. 2006..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................08. 2007..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................09. 2008..... ..........1,351 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ..............1,351 .................0

10. 2009..... .................7 .................0 .............199 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................205 .................011. 2010..... .............211 .................0 ..........2,995 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ..............3,206 .................012. Totals... ..........3,662 .................0 ..........4,942 .................0 .................0 .................0 ...............56 .................0 .................7 .................0 .................0 ..............8,667 .................1

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..............2,801 ...................152. 2001. ............42,808 ..............1,321 ............41,487 ..............275.0 ................49.7 ..............321.5 .....................0 .....................0 ............100.00 ..............1,022 ...................403. 2002. .................482 .....................5 .................477 ..................2.1 ..................0.1 ..................2.4 .....................0 .....................0 ............100.00 .....................2 .....................04. 2003. ..........121,251 .....................2 ..........121,249 ................52.6 ..................0.0 ................53.9 .....................0 .....................0 ............100.00 ...................16 .....................75. 2004. ..........142,815 ....................(0) ..........142,815 ................48.7 .............(516.1) ................48.7 .....................0 .....................0 ............100.00 .....................0 .....................06. 2005. ..............6,348 .....................0 ..............6,348 ................21.6 ..................0.0 ................21.6 .....................0 .....................0 ............100.00 .....................2 .....................07. 2006. .....................0 .....................0 .....................0 .................(0.0) ..................0.0 .................(0.0) .....................0 .....................0 ............100.00 .....................0 .....................08. 2007. ..............6,988 .....................0 ..............6,988 ..............240.1 ..................0.0 ..............240.1 .....................0 .....................0 ............100.00 .....................0 .....................09. 2008. ..............6,670 ....................(0) ..............6,670 ................79.9 ..................0.0 ................79.9 .....................0 .....................0 ............100.00 ..............1,351 .....................0

10. 2009. .................310 .....................0 .................310 ..................3.2 ..................0.0 ..................3.2 .....................0 .....................0 ............100.00 .................205 .....................011. 2010. ..............3,206 .....................0 ..............3,206 ................82.9 ..................0.0 ................82.9 .....................0 .....................0 ............100.00 ..............3,206 .....................012. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..............8,604 ...................63

Page 39: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

48

SCHEDULE P - PART 1N - REINSURANCENONPROPORTIONAL ASSUMED PROPERTY ($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior......... ........XXX......... ........XXX......... ........XXX......... ..........2,754 ...............90 ...............83 ...............83 .............516 ...............24 .................0 .............3,156 ......XXX.......2. 2001......... ..........564,980 ............31,435 ..........533,545 ......686,902 ........28,690 .............411 ................(0) ..........1,778 ...............78 ..............(27) .........660,323 ......XXX.......3. 2002......... ..........332,134 ............37,992 ..........294,142 ......109,062 ........25,592 .............253 .................7 ..........1,025 ...............50 .................0 ...........84,690 ......XXX.......4. 2003......... ..........165,968 ............70,441 ............95,527 ........29,153 ........12,732 .............858 .................0 .............179 ...............63 .................0 ...........17,395 ......XXX.......5. 2004......... ............97,601 ............51,082 ............46,519 ..........3,632 .............128 ...............89 ...............11 ...............13 .................2 .................0 .............3,592 ......XXX.......6. 2005......... ..............4,775 ............(2,440) ..............7,215 ..........6,779 ..........4,734 .................0 .................0 .............110 .................2 .................0 .............2,154 ......XXX.......7. 2006......... ..............7,511 ..............2,208 ..............5,302 .............422 ..........4,033 .................0 .................0 .................3 ...............12 .................0 ............(3,620) ......XXX.......8. 2007......... ............18,874 ..............1,248 ............17,626 .............429 .............848 ...............14 ...............14 .................4 .................3 .................0 ...............(418) ......XXX.......9. 2008......... ..............4,089 ..............1,436 ..............2,654 ..........8,623 ........11,844 ...............36 ...............36 .................3 .................2 .................0 ............(3,220) ......XXX.......

10. 2009......... ..............1,512 .................842 .................670 .............821 .............821 .............409 .............409 .................2 .................1 .................0 ....................1 ......XXX.......11. 2010......... ...............(871) .................930 ............(1,800) .................0 .................0 .................0 .................0 ................(0) ................(0) .................0 ....................0 ......XXX.......12. Totals....... .........XXX........ .........XXX........ .........XXX........ ......848,576 ........89,513 ..........2,153 .............559 ..........3,632 .............238 ..............(27) .........764,052 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........10,033 .............355 ..........9,490 ..........4,598 .................0 .................0 ..........1,489 .................1 .................1 .................0 .................0 ............16,059 ......XXX.......2. 2001..... ........23,514 .............144 ........15,220 ........13,759 .................0 .................0 .............272 .................0 .................0 .................0 .................0 ............25,103 ......XXX.......3. 2002..... ..........2,626 .............962 ..........1,392 .............410 .................0 .................0 .............173 .................0 .................0 .................0 .................0 ..............2,819 ......XXX.......4. 2003..... .............189 .................8 .............750 .............380 .................0 .................0 ...............48 .................0 .................0 .................0 .................0 .................599 ......XXX.......5. 2004..... .................0 .................0 .............202 .................4 .................0 .................0 ...............72 .................0 .................0 .................0 .................0 .................270 ......XXX.......6. 2005..... .................0 .............245 .................8 ...............41 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ................(277) ......XXX.......7. 2006..... .................0 .................8 ...............20 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ...................12 ......XXX.......8. 2007..... .................0 ...............18 ...............57 ...............75 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ..................(37) ......XXX.......9. 2008..... .............290 .............993 ...............28 ..........1,815 .................9 .................9 .................0 .................0 .................0 .................0 .................0 .............(2,489) ......XXX.......10. 2009..... ........31,737 ........31,737 .................4 .................0 ..........1,105 ..........1,105 .................0 .................0 .................0 .................0 .................0 .....................4 ......XXX.......11. 2010..... ..........4,972 ..........2,467 ...............52 ...............52 ...............33 ...............33 .................6 .................6 .................0 .................0 .................0 ..............2,506 ......XXX.......12. Totals... ........73,361 ........36,936 ........27,222 ........21,134 ..........1,147 ..........1,147 ..........2,061 .................7 .................1 .................0 .................0 ............44,567 ......XXX.......

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............14,570 ..............1,4892. 2001. ..........728,097 ............42,671 ..........685,426 ..............128.9 ..............135.7 ..............128.5 .....................0 .....................0 ............100.00 ............24,831 .................2723. 2002. ..........114,531 ............27,022 ............87,509 ................34.5 ................71.1 ................29.8 .....................0 .....................0 ............100.00 ..............2,646 .................1734. 2003. ............31,177 ............13,183 ............17,994 ................18.8 ................18.7 ................18.8 .....................0 .....................0 ............100.00 .................551 ...................485. 2004. ..............4,007 .................145 ..............3,861 ..................4.1 ..................0.3 ..................8.3 .....................0 .....................0 ............100.00 .................198 ...................726. 2005. ..............6,897 ..............5,021 ..............1,877 ..............144.4 .............(205.8) ................26.0 .....................0 .....................0 ............100.00 ................(277) .....................07. 2006. .................445 ..............4,053 .............(3,608) ..................5.9 ..............183.5 ...............(68.0) .....................0 .....................0 ............100.00 ...................12 .....................08. 2007. .................504 .................959 ................(455) ..................2.7 ................76.9 .................(2.6) .....................0 .....................0 ............100.00 ..................(37) .....................09. 2008. ..............8,988 ............14,698 .............(5,710) ..............219.8 ...........1,023.7 .............(215.2) .....................0 .....................0 ............100.00 .............(2,489) .....................0

10. 2009. ............34,077 ............34,072 .....................5 ...........2,254.1 ...........4,048.5 ..................0.7 .....................0 .....................0 ............100.00 .....................4 .....................011. 2010. ..............5,063 ..............2,558 ..............2,506 .............(581.5) ..............275.2 .............(139.2) .....................0 .....................0 ............100.00 ..............2,505 .....................012. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............42,512 ..............2,055

Page 40: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

49

SCHEDULE P - PART 1O - REINSURANCENONPROPORTIONAL ASSUMED LIABILITY ($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior......... ........XXX......... ........XXX......... ........XXX......... ........83,633 ........34,921 ..........9,560 .............179 ..........4,833 .................0 .................0 ...........62,927 ......XXX.......2. 2001......... ..........338,351 ............78,584 ..........259,767 ......458,167 ......157,426 ..........7,076 ...............19 .............694 ..............(49) .............243 .........308,542 ......XXX.......3. 2002......... ..........203,590 ............26,306 ..........177,284 ......171,650 ........41,499 ..........4,463 ...............10 ..........1,349 ..............(22) .................1 .........135,976 ......XXX.......4. 2003......... ..........216,863 ..........157,932 ............58,931 ........88,153 ..........7,916 ..........2,217 ...............19 ...............71 ...............51 .................0 ...........82,455 ......XXX.......5. 2004......... ............38,710 ............12,806 ............25,904 ........12,649 .............350 .............130 ...............19 .............568 .............367 .................0 ...........12,611 ......XXX.......6. 2005......... ............54,866 ............20,037 ............34,829 ..........3,762 ..........1,571 ...............20 ...............14 ...............42 .................0 .................0 .............2,238 ......XXX.......7. 2006......... ............49,959 ............19,672 ............30,287 ..........1,540 ..........1,070 .............233 .............232 ...............42 .................0 ...............12 ................512 ......XXX.......8. 2007......... ............37,605 ............(2,353) ............39,958 ..........1,364 ..........3,174 .............135 .............135 ...............51 .................0 .................0 ............(1,759) ......XXX.......9. 2008......... ............31,760 ..........100,635 ..........(68,874) ..........2,932 ..........2,932 ...............16 ...............16 ...............29 .................0 .................0 ..................29 ......XXX.......

10. 2009......... ............23,425 ..............2,054 ............21,370 .............673 .............125 .............354 .............349 .................1 ................(0) .................0 ................554 ......XXX.......11. 2010......... ............23,135 ..............3,788 ............19,347 .................0 .................0 .................0 .................0 ................(0) ................(0) .................0 ....................0 ......XXX.......12. Totals....... .........XXX........ .........XXX........ .........XXX........ ......824,522 ......250,982 ........24,203 .............991 ..........7,679 .............346 .............256 .........604,084 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ......442,999 ........27,742 ......345,754 ..........7,754 ..........1,115 .............602 ........12,692 .............524 ........25,143 ..........1,275 .................0 ..........789,808 ......XXX.......2. 2001..... ......112,359 ........12,345 ........62,004 ........27,870 .............284 .............274 ..........2,888 .............114 .................4 .................0 .................0 ..........136,938 ......XXX.......3. 2002..... ........23,341 ..........4,158 ........24,020 ........13,576 ...............13 ...............13 .............308 .............100 .................4 .................0 .................0 ............29,839 ......XXX.......4. 2003..... ........15,608 ..........1,572 ..........3,998 ..........1,918 ...............68 ...............68 .............178 .................0 .................4 .................0 .................0 ............16,299 ......XXX.......5. 2004..... ..........3,969 ..........1,761 ........23,084 ...............94 ...............91 ...............91 ..........4,055 .................0 .................4 .................0 .................0 ............29,256 ......XXX.......6. 2005..... ..........1,385 ..........5,523 ..........3,892 .................0 .................6 .................6 ..........1,313 .................0 .................4 .................0 .................0 ..............1,071 ......XXX.......7. 2006..... .............811 .............429 .............610 .................0 .............102 .............102 ...............47 .................0 .................4 .................0 .................0 ..............1,043 ......XXX.......8. 2007..... .............539 .............995 ..........1,196 .............(51) ...............13 ...............13 ...............33 .................0 .................4 .................0 .................0 .................829 ......XXX.......9. 2008..... ..........2,552 ..........2,552 ........15,523 .................5 ...............60 ...............60 ..........3,001 .................0 .................4 .................0 .................0 ............18,524 ......XXX.......10. 2009..... ........37,084 ........37,084 ........11,739 .................3 .............403 .............403 ..........2,185 .................0 .................4 .................0 .................0 ............13,925 ......XXX.......11. 2010..... ..........1,592 ..........1,592 ........10,833 .............160 ...............30 ...............30 ..........1,898 ...............18 .............398 ...............(0) .................0 ............12,951 ......XXX.......12. Totals... ......642,240 ........95,753 ......502,653 ........51,328 ..........2,183 ..........1,659 ........28,599 .............755 ........25,577 ..........1,275 .................0 .......1,050,483 ......XXX.......

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........753,258 ............36,5502. 2001. ..........643,476 ..........197,997 ..........445,479 ..............190.2 ..............252.0 ..............171.5 .....................0 .....................0 ............100.00 ..........134,148 ..............2,7893. 2002. ..........225,148 ............59,333 ..........165,815 ..............110.6 ..............225.5 ................93.5 .....................0 .....................0 ............100.00 ............29,627 .................2124. 2003. ..........110,297 ............11,543 ............98,754 ................50.9 ..................7.3 ..............167.6 .....................0 .....................0 ............100.00 ............16,116 .................1825. 2004. ............44,549 ..............2,682 ............41,867 ..............115.1 ................20.9 ..............161.6 .....................0 .....................0 ............100.00 ............25,198 ..............4,0596. 2005. ............10,424 ..............7,114 ..............3,310 ................19.0 ................35.5 ..................9.5 .....................0 .....................0 ............100.00 ................(246) ..............1,3177. 2006. ..............3,389 ..............1,834 ..............1,555 ..................6.8 ..................9.3 ..................5.1 .....................0 .....................0 ............100.00 .................992 ...................518. 2007. ..............3,335 ..............4,265 ................(930) ..................8.9 .............(181.3) .................(2.3) .....................0 .....................0 ............100.00 .................791 ...................379. 2008. ............24,116 ..............5,563 ............18,553 ................75.9 ..................5.5 ...............(26.9) .....................0 .....................0 ............100.00 ............15,519 ..............3,005

10. 2009. ............52,443 ............37,963 ............14,479 ..............223.9 ...........1,847.8 ................67.8 .....................0 .....................0 ............100.00 ............11,736 ..............2,18911. 2010. ............14,751 ..............1,800 ............12,951 ................63.8 ................47.5 ................66.9 .....................0 .....................0 ............100.00 ............10,673 ..............2,27812. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........997,812 ............52,671

Page 41: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

50

SCHEDULE P - PART 1P - REINSURANCENONPROPORTIONAL ASSUMED FINANCIAL LINES ($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior......... ........XXX......... ........XXX......... ........XXX......... .............155 .................0 ...............29 .................0 .................0 .................0 .................0 ................184 ......XXX.......2. 2001......... ............13,393 ..............1,179 ............12,214 ........46,901 ..........2,519 .................1 .................0 ...............55 .............227 ............(636) ...........44,210 ......XXX.......3. 2002......... ..............2,963 ..............1,742 ..............1,221 ........12,562 ..........1,051 ...............10 .................1 .............147 .................2 .................0 ...........11,665 ......XXX.......4. 2003......... ..............8,891 ..............3,436 ..............5,455 .............731 .................0 ...............11 .................0 .................0 .................0 .................0 ................742 ......XXX.......5. 2004......... ............14,002 ...............(281) ............14,283 ..........1,120 .................0 ...............18 .................0 .................0 .................0 .................0 .............1,138 ......XXX.......6. 2005......... ..............4,351 .................524 ..............3,826 ..........1,730 .................0 ...............28 .................0 .................0 .................0 .................0 .............1,759 ......XXX.......7. 2006......... ............(1,036) ...............(144) ...............(892) .................0 .................0 .................0 .................0 .................0 .................0 .................0 ....................0 ......XXX.......8. 2007......... ..............3,208 .....................0 ..............3,208 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ....................0 ......XXX.......9. 2008......... ..............2,399 .....................0 ..............2,399 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ....................0 ......XXX.......

10. 2009......... ..............2,972 .....................0 ..............2,972 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ....................0 ......XXX.......11. 2010......... ..............2,443 .....................0 ..............2,443 .................0 .................0 .................0 .................0 ................(4) ................(0) .................0 ...................(4) ......XXX.......12. Totals....... .........XXX........ .........XXX........ .........XXX........ ........63,200 ..........3,570 ...............97 .................1 .............197 .............229 ............(636) ...........59,694 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ..........2,058 .............263 ..........4,746 .............120 .................0 .................0 ...............25 .................0 .................0 .................0 .................0 ..............6,447 ......XXX.......2. 2001..... .............683 .................0 ..........4,723 .............700 .................0 .................0 .................1 .................0 .................0 .................0 .................0 ..............4,707 ......XXX.......3. 2002..... .............289 ...............19 ..........4,252 .............816 .................0 .................0 .................5 .................0 .................0 .................0 .................0 ..............3,711 ......XXX.......4. 2003..... .................0 .................0 .............776 .................0 .................0 .................0 .................1 .................0 .................0 .................0 .................0 .................778 ......XXX.......5. 2004..... ..........2,294 .................0 ...............31 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ..............2,326 ......XXX.......6. 2005..... .............368 .................0 ...............80 .................0 .................0 .................0 .................8 .................0 .................0 .................0 .................0 .................455 ......XXX.......7. 2006..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......8. 2007..... .................0 .................0 .............884 .................0 .................0 .................0 ...............28 .................0 .................0 .................0 .................0 .................912 ......XXX.......9. 2008..... .................0 .................0 .............691 .................0 .................0 .................0 .............198 .................0 .................0 .................0 .................0 .................889 ......XXX.......10. 2009..... .................0 .................0 ..........1,521 .................0 .................0 .................0 .............320 .................0 .................0 .................0 .................0 ..............1,841 ......XXX.......11. 2010..... ...............65 .................0 ..........1,215 .................0 .................0 .................0 .............247 .................0 .................0 .................0 .................0 ..............1,526 ......XXX.......12. Totals... ..........5,757 .............281 ........18,919 ..........1,636 .................0 .................0 .............833 .................0 .................0 .................0 .................0 ............23,591 ......XXX.......

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..............6,422 ...................252. 2001. ............52,364 ..............3,447 ............48,917 ..............391.0 ..............292.3 ..............400.5 .....................0 .....................0 ............100.00 ..............4,706 .....................13. 2002. ............17,264 ..............1,889 ............15,376 ..............582.6 ..............108.4 ...........1,259.2 .....................0 .....................0 ............100.00 ..............3,706 .....................54. 2003. ..............1,519 .....................0 ..............1,519 ................17.1 ..................0.0 ................27.9 .....................0 .....................0 ............100.00 .................776 .....................15. 2004. ..............3,464 .....................0 ..............3,464 ................24.7 ..................0.0 ................24.3 .....................0 .....................0 ............100.00 ..............2,326 .....................06. 2005. ..............2,214 .....................0 ..............2,214 ................50.9 ..................0.0 ................57.9 .....................0 .....................0 ............100.00 .................447 .....................87. 2006. .....................0 .....................0 .....................0 ..................0.0 ..................0.0 ..................0.0 .....................0 .....................0 ............100.00 .....................0 .....................08. 2007. .................912 .....................0 .................912 ................28.4 ..................0.0 ................28.4 .....................0 .....................0 ............100.00 .................884 ...................289. 2008. .................889 .....................0 .................889 ................37.1 ..................0.0 ................37.1 .....................0 .....................0 ............100.00 .................691 .................198

10. 2009. ..............1,841 .....................0 ..............1,841 ................62.0 ..................0.0 ................62.0 .....................0 .....................0 ............100.00 ..............1,521 .................32011. 2010. ..............1,522 ....................(0) ..............1,522 ................62.3 ..................0.0 ................62.3 .....................0 .....................0 ............100.00 ..............1,279 .................24712. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............22,759 .................833

Page 42: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

51

SCHEDULE P - PART 1R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ........46,332 ..........5,395 ........89,334 ..........4,926 ........22,871 .................0 .............224 ..........148,216 ......XXX.......2. 2001....... ..........292,626 ............23,351 ..........269,274 ......144,268 ........11,515 ........85,952 ........10,553 ........14,076 .............309 ..........5,868 ..........221,919 ........17,0763. 2002....... ..........423,665 ............59,022 ..........364,643 ......210,345 ........41,884 ........88,325 ..........3,864 ........16,347 .............344 ..........6,851 ..........268,925 ........14,5564. 2003....... ..........515,825 ............86,719 ..........429,106 ......171,807 ........24,835 ........76,259 ..........5,030 ........14,102 ..........1,285 ..........4,284 ..........231,018 ........14,7625. 2004....... ..........524,229 ............80,298 ..........443,931 ......112,830 ........10,221 ........60,844 ..........1,635 ........11,831 .............985 ..........4,316 ..........172,663 ........11,6156. 2005....... ..........328,138 ............36,109 ..........292,029 ........63,790 ........14,466 ........38,774 ..........3,954 ........12,140 .............722 ..........3,448 ............95,562 ..........5,2237. 2006....... ..........198,077 ............13,975 ..........184,102 ........53,978 ..........6,576 ........33,939 ..........1,917 ........12,531 .............160 ..........2,024 ............91,795 ..........3,9658. 2007....... ..........200,542 ............12,848 ..........187,693 ........72,363 ........17,072 ........25,703 .............695 ..........7,686 ............(250) ..........1,234 ............88,235 ..........3,7949. 2008....... ..........192,583 ..............4,170 ..........188,413 ........28,668 ..........2,497 ........13,194 .............194 ..........8,198 .................4 ..........1,213 ............47,365 ..........3,69910. 2009....... ..........196,934 ..............9,570 ..........187,364 ........14,924 ..........1,275 ..........5,391 .............197 ..........8,759 .................0 ..........1,299 ............27,604 ..........3,81411. 2010....... ..........161,080 ............10,279 ..........150,801 ..........3,685 ...............77 ..........1,462 ...............14 ..........4,433 .................0 ...............96 ..............9,488 ..........3,35812. Totals..... .........XXX........ .........XXX........ .........XXX........ ......922,991 ......135,814 ......519,178 ........32,979 ......132,972 ..........3,559 ........30,858 .......1,402,789 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ......101,991 ........17,545 ...1,024,485 ........74,401 ......154,973 ..........8,481 ......368,919 ........17,635 ......178,838 .............187 .............419 .......1,710,956 ......924,6702. 2001..... ........20,475 .............264 ........24,231 ..........2,367 ........14,226 .............107 ..........6,804 ..........2,349 .............799 .................0 .............217 ............61,449 ..........2,2153. 2002..... ........13,350 .............500 ........42,411 ..........2,849 ..........6,091 .............192 ........26,584 .............593 ..........2,703 .................0 .............274 ............87,004 ..........2,1334. 2003..... ........16,153 ..........1,352 ........46,467 ..........6,269 ..........7,592 ...............46 ........24,863 ..........3,084 .............719 .................2 .............255 ............85,041 ..........1,0495. 2004..... ........25,989 ..........3,053 ........61,154 ........10,878 ..........6,564 .............367 ........11,038 ..........6,691 ..........1,026 .................0 .............344 ............84,783 .............9696. 2005..... ........18,849 .............723 ........42,138 ..........2,064 ..........5,884 .............421 ........12,303 ..........1,163 .............675 .................0 .............338 ............75,478 .............5317. 2006..... ........27,204 ..........2,280 ........18,481 ..........2,469 ..........8,567 .............382 ..........5,106 .............607 .............854 .................0 .............390 ............54,473 .............6358. 2007..... ........43,088 ..........5,544 ........20,214 ..........3,853 ........11,112 .............179 ........12,000 ..........1,304 ..........1,152 .................0 .............710 ............76,686 .............6979. 2008..... ........50,213 ..........6,715 ........23,969 ..........5,028 ........13,202 ..........1,324 ........14,832 ..........1,323 ..........2,319 .................1 .............851 ............90,145 .............933

10. 2009..... ........32,239 .............576 ........34,409 ..........5,117 ..........8,605 ...............82 ........18,023 ..........2,106 ..........1,894 .................1 .............838 ............87,288 .............94711. 2010..... ........22,167 .............302 ........43,625 ..........4,934 ..........4,539 ...............70 ........23,391 ..........2,243 ..........1,434 .................2 .............794 ............87,605 ..........1,21412. Totals... ......371,718 ........38,854 ...1,381,586 ......120,229 ......241,356 ........11,649 ......523,862 ........39,099 ......192,411 .............193 ..........5,430 .......2,500,908 ......935,993

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......1,034,530 ..........676,4262. 2001. ..........310,831 ............27,463 ..........283,367 ..............106.2 ..............117.6 ..............105.2 .....................0 .....................0 ............100.00 ............42,075 ............19,3733. 2002. ..........406,156 ............50,227 ..........355,929 ................95.9 ................85.1 ................97.6 .....................0 .....................0 ............100.00 ............52,411 ............34,5934. 2003. ..........357,961 ............41,903 ..........316,059 ................69.4 ................48.3 ................73.7 .....................0 .....................0 ............100.00 ............54,999 ............30,0425. 2004. ..........291,275 ............33,830 ..........257,445 ................55.6 ................42.1 ................58.0 .....................0 .....................0 ............100.00 ............73,213 ............11,5696. 2005. ..........194,553 ............23,512 ..........171,040 ................59.3 ................65.1 ................58.6 .....................0 .....................0 ............100.00 ............58,200 ............17,2787. 2006. ..........160,660 ............14,392 ..........146,268 ................81.1 ..............103.0 ................79.4 .....................0 .....................0 ............100.00 ............40,936 ............13,5378. 2007. ..........193,318 ............28,398 ..........164,921 ................96.4 ..............221.0 ................87.9 .....................0 .....................0 ............100.00 ............53,905 ............22,7819. 2008. ..........154,595 ............17,085 ..........137,510 ................80.3 ..............409.7 ................73.0 .....................0 .....................0 ............100.00 ............62,439 ............27,70610. 2009. ..........124,245 ..............9,353 ..........114,892 ................63.1 ................97.7 ................61.3 .....................0 .....................0 ............100.00 ............60,955 ............26,33311. 2010. ..........104,737 ..............7,643 ............97,094 ................65.0 ................74.4 ................64.4 .....................0 .....................0 ............100.00 ............60,557 ............27,04912. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......1,594,220 ..........906,688

Page 43: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

52

SCHEDULE P - PART 1R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS-MADE($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ .................8 .................0 .............111 .................0 ...............90 .................1 .................0 .................207 ......XXX.......2. 2001....... ............19,435 ..............2,846 ............16,589 ..........9,686 .........(1,329) ..........5,392 ...............61 .............573 ...............23 .................4 ............16,895 ...............893. 2002....... ............28,744 ..............5,511 ............23,232 ..........6,257 .............433 ..........2,647 .............541 .............253 ...............19 .............256 ..............8,164 ...............744. 2003....... ............36,469 ..............5,418 ............31,051 ..........8,034 ..........7,086 ..........3,752 ..........2,118 .............436 ...............25 ...............10 ..............2,993 .............1245. 2004....... ............34,403 ..............7,364 ............27,039 ........16,182 ........10,303 ..........1,289 ..........2,025 .............265 ...............24 ...............30 ..............5,384 ...............676. 2005....... ............20,128 ..............2,571 ............17,557 ..........6,762 ..........1,003 ..........1,238 .............118 .............475 ...............23 .................0 ..............7,331 ...............347. 2006....... ............16,084 .................322 ............15,762 .............970 .............750 .............397 .................0 .............595 ...............26 ...............10 ..............1,186 ...............268. 2007....... ............16,981 .................149 ............16,832 ..........2,409 ...............62 .............392 .................0 ..........1,059 ...............22 ...............27 ..............3,777 ...............409. 2008....... ............19,196 ...................71 ............19,125 ..........1,097 ...............54 ..........1,307 .................0 .............215 ...............22 .................0 ..............2,543 ...............4910. 2009....... ............21,447 .................416 ............21,031 .............734 ...............76 ..........1,086 .................0 .............554 .................1 .................0 ..............2,297 ...............4411. 2010....... ............20,827 ..............1,410 ............19,417 .................5 .................0 .............396 .................0 .............164 .................2 .................0 .................563 ...............5312. Totals..... .........XXX........ .........XXX........ .........XXX........ ........52,143 ........18,438 ........18,007 ..........4,862 ..........4,680 .............189 .............338 ............51,342 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ..........5,525 .................0 ..........8,852 .............583 .............557 .................0 ..........3,935 ...............71 .............480 .................0 ...............33 ............18,695 ...............182. 2001..... ..........1,270 .................0 ..........1,021 .............267 ...............99 .................0 ..........1,272 ...............45 ...............44 .................0 ...............16 ..............3,393 .................63. 2002..... ...............20 .................0 ..........1,735 .............504 ...............10 .................0 ..........1,368 ...............71 ...............16 .................0 ...............14 ..............2,575 .................34. 2003..... .................0 .................0 ..........2,090 ..........1,637 .................0 .................0 .............578 .............162 ...............16 .................0 .................9 .................886 .................35. 2004..... .................0 .............750 ..........3,979 ..........2,716 .................0 .................0 .............771 .............123 ...............44 .................0 ...............18 ..............1,205 .................36. 2005..... .............(25) .................0 ..........1,032 .............452 .................0 .................0 .............592 .............228 ...............44 .................0 ...............28 .................962 .................17. 2006..... ...............50 .................0 ..........1,784 .............119 ...............49 .................0 .............666 ...............14 .............156 .................0 ...............16 ..............2,573 .................88. 2007..... .............101 .................0 ..........4,098 .............110 ...............90 .................0 ..........3,998 ...............23 .............245 .................0 ...............59 ..............8,398 ...............119. 2008..... ..........1,984 .................0 ..........4,522 ...............78 ..........1,075 .................0 ..........2,018 ...............37 .............269 .................0 ...............59 ..............9,753 ...............18

10. 2009..... ..........3,047 .................0 ..........2,988 .............323 .............611 .................0 ..........2,573 ...............23 .............325 .................0 ...............59 ..............9,197 ...............2111. 2010..... ..........1,009 .................0 ..........3,402 .............459 ..........1,016 .................0 ..........2,808 .............459 .............527 .................0 ...............48 ..............7,842 ...............3212. Totals... ........12,981 .............750 ........35,504 ..........7,247 ..........3,507 .................0 ........20,578 ..........1,256 ..........2,165 .................0 .............358 ............65,481 .............124

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............13,794 ..............4,9012. 2001. ............19,356 ................(932) ............20,288 ................99.6 ...............(32.8) ..............122.3 .....................0 .....................0 ............100.00 ..............2,024 ..............1,3703. 2002. ............12,307 ..............1,568 ............10,739 ................42.8 ................28.4 ................46.2 .....................0 .....................0 ............100.00 ..............1,252 ..............1,3234. 2003. ............14,907 ............11,028 ..............3,879 ................40.9 ..............203.6 ................12.5 .....................0 .....................0 ............100.00 .................454 .................4325. 2004. ............22,530 ............15,940 ..............6,590 ................65.5 ..............216.5 ................24.4 .....................0 .....................0 ............100.00 .................513 .................6926. 2005. ............10,118 ..............1,824 ..............8,293 ................50.3 ................71.0 ................47.2 .....................0 .....................0 ............100.00 .................555 .................4087. 2006. ..............4,667 .................909 ..............3,759 ................29.0 ..............282.1 ................23.8 .....................0 .....................0 ............100.00 ..............1,715 .................8578. 2007. ............12,392 .................217 ............12,175 ................73.0 ..............146.0 ................72.3 .....................0 .....................0 ............100.00 ..............4,089 ..............4,3099. 2008. ............12,487 .................191 ............12,296 ................65.1 ..............268.0 ................64.3 .....................0 .....................0 ............100.00 ..............6,429 ..............3,32410. 2009. ............11,917 .................422 ............11,494 ................55.6 ..............101.6 ................54.7 .....................0 .....................0 ............100.00 ..............5,712 ..............3,48511. 2010. ..............9,326 .................920 ..............8,406 ................44.8 ................65.3 ................43.3 .....................0 .....................0 ............100.00 ..............3,951 ..............3,89112. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............40,487 ............24,993

Page 44: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

53

SCHEDULE P - PART 1S - FINANCIAL GUARANTY/MORTGAGE GUARANTY($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... ........XXX......... ........XXX......... ........XXX......... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......2. 2009...... .................781 .................781 .....................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......3. 2010...... .................281 .................281 .....................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......4. Totals..... ........XXX......... ........XXX......... ........XXX......... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... .................0 .................0 .................0 .................0 .................0 .................0 .................1 .................0 .................0 .................0 .................0 .....................0 .................02. 2009... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................03. 2010... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................04. Totals... .................0 .................0 .................0 .................0 .................0 .................0 .................1 .................0 .................0 .................0 .................0 .....................0 .................0

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .....................0 .....................02. 2009 .....................0 .....................0 .....................0 ..................0.0 ..................0.0 ..................0.0 .....................0 .....................0 ............100.00 .....................0 .....................03. 2010 .....................0 .....................0 .....................0 ..................0.1 ..................0.0 ..................0.0 .....................0 .....................0 ............100.00 .....................0 .....................04. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .....................0 .....................0

Page 45: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

54

SCHEDULE P - PART 1T - WARRANTY($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... ........XXX......... ........XXX......... ........XXX......... ................(1) .................0 .................0 .................0 .................0 .................0 .................0 ...................(1) ......XXX.......2. 2009...... .....................0 .....................0 .....................0 .................0 .................0 .................0 .................0 .................2 .................0 .................0 .....................2 .................03. 2010...... .....................0 .....................0 .....................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................04. Totals..... ........XXX......... ........XXX......... ........XXX......... ................(1) .................0 .................0 .................0 .................2 .................0 .................0 .....................1 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................02. 2009... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................03. 2010... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................04. Totals... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................0

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .....................0 .....................02. 2009 .....................2 .....................0 .....................2 ..................0.0 ..................0.0 ..................0.0 .....................0 .....................0 ............100.00 .....................0 .....................03. 2010 .....................0 .....................0 .....................0 ..................0.0 ..................0.0 ..................0.0 .....................0 .....................0 ............100.00 .....................0 .....................04. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .....................0 .....................0

Page 46: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

55

SCHEDULE P - PART 2A - HOMEOWNERS/FARMOWNERSIncurred Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) Development

Years in 1 2 3 4 5 6 7 8 9 10 11 12Which

Losses Were One TwoIncurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Year Year

1. Prior..... ........254,817 ........227,664 ........214,300 ........193,109 ........194,968 ........187,369 ........181,503 ........181,806 ........183,464 ........182,565 .............(899) ...............7592. 2001.... ........952,793 ........972,331 ........946,547 ........934,791 ........924,244 ........922,306 ........921,428 ........920,841 ........921,130 ........921,287 ...............158 ...............4463. 2002.... .......XXX........ ........935,162 ........803,402 ........776,776 ........776,824 ........776,408 ........774,591 ........774,400 ........772,331 ........772,358 .................27 ..........(2,042)4. 2003.... .......XXX........ .......XXX........ .....1,105,821 ........936,366 ........944,938 ........929,878 ........927,228 ........923,667 ........922,630 ........922,304 .............(325) ..........(1,363)5. 2004.... .......XXX........ .......XXX........ .......XXX........ .....1,164,008 .....1,180,763 .....1,180,332 .....1,175,304 .....1,178,063 .....1,172,824 .....1,174,414 ............1,590 ..........(3,649)6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,479,954 .....1,287,273 .....1,295,476 .....1,228,161 .....1,152,614 .....1,142,547 ........(10,067) ........(85,614)7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,101,748 .....1,084,820 .....1,067,327 .....1,074,165 .....1,075,314 ............1,149 ............7,9868. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,226,783 .....1,202,570 .....1,149,671 .....1,153,249 ............3,577 ........(49,321)9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,735,896 .....1,734,744 .....1,712,356 ........(22,388) ........(23,541)

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,687,092 .....1,730,241 ..........43,149 .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....2,006,715 .......XXX........ .......XXX........

12. Totals ..........15,970 ......(156,339)

SCHEDULE P - PART 2B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL1. Prior..... .....1,100,580 .....1,076,372 .....1,105,580 .....1,148,824 .....1,273,772 .....1,269,470 .....1,257,648 .....1,258,402 .....1,261,009 .....1,259,698 ..........(1,311) ............1,2962. 2001.... .....1,287,022 .....1,283,503 .....1,213,484 .....1,204,177 .....1,197,638 .....1,196,237 .....1,202,347 .....1,199,907 .....1,194,972 .....1,196,044 ............1,072 ..........(3,863)3. 2002.... .......XXX........ .....1,346,808 .....1,346,256 .....1,271,641 .....1,216,354 .....1,217,891 .....1,223,362 .....1,220,035 .....1,211,193 .....1,212,696 ............1,503 ..........(7,339)4. 2003.... .......XXX........ .......XXX........ .....1,429,221 .....1,337,550 .....1,231,983 .....1,212,492 .....1,221,513 .....1,217,502 .....1,214,292 .....1,214,228 ...............(64) ..........(3,274)5. 2004.... .......XXX........ .......XXX........ .......XXX........ .....1,492,078 .....1,317,757 .....1,261,023 .....1,271,366 .....1,269,538 .....1,256,302 .....1,256,818 ...............516 ........(12,720)6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,415,284 .....1,330,535 .....1,264,467 .....1,257,955 .....1,247,420 .....1,248,260 ...............839 ..........(9,695)7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,395,857 .....1,339,951 .....1,314,703 .....1,322,067 .....1,324,281 ............2,214 ............9,5788. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,409,901 .....1,436,547 .....1,456,412 .....1,454,413 ..........(1,999) ..........17,8669. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,443,703 .....1,464,784 .....1,440,046 ........(24,737) ..........(3,657)

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,467,799 .....1,484,009 ..........16,209 .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,450,363 .......XXX........ .......XXX........

12. Totals ..........(5,756) ........(11,807)

SCHEDULE P - PART 2C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL1. Prior..... .....1,327,858 .....1,517,332 .....1,548,369 .....1,518,192 .....1,549,233 .....1,530,470 .....1,509,454 .....1,518,490 .....1,516,523 .....1,513,770 ..........(2,753) ..........(4,721)2. 2001.... .....1,046,348 .....1,041,141 .....1,140,056 .....1,143,971 .....1,157,838 .....1,155,709 .....1,116,307 .....1,113,679 .....1,114,510 .....1,102,044 ........(12,465) ........(11,635)3. 2002.... .......XXX........ .....1,131,100 .....1,094,569 .....1,111,468 .....1,100,754 .....1,094,415 .....1,061,727 .....1,053,755 .....1,050,954 .....1,024,782 ........(26,173) ........(28,973)4. 2003.... .......XXX........ .......XXX........ .....1,202,812 .....1,169,294 .....1,132,114 .....1,109,686 .....1,088,118 .....1,062,941 .....1,054,156 .....1,032,402 ........(21,754) ........(30,539)5. 2004.... .......XXX........ .......XXX........ .......XXX........ .....1,176,651 .....1,034,316 ........973,480 ........942,017 ........928,460 ........928,623 ........912,946 ........(15,677) ........(15,514)6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,024,397 ........947,560 ........895,319 ........860,623 ........866,124 ........857,060 ..........(9,065) ..........(3,564)7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........922,828 ........879,975 ........830,705 ........814,363 ........814,482 ...............119 ........(16,223)8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........971,202 ........938,268 ........854,750 ........911,527 ..........56,777 ........(26,741)9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........939,089 ........816,085 ........887,408 ..........71,323 ........(51,680)

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........912,920 ........853,808 ........(59,112) .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........899,697 .......XXX........ .......XXX........

12. Totals ........(18,779) ......(189,589)

SCHEDULE P - PART 2D - WORKERS' COMPENSATION1. Prior..... .....7,873,632 .....7,770,840 .....7,969,205 .....8,151,934 .....8,213,671 .....8,378,099 .....8,545,058 .....8,868,962 .....8,853,403 .....8,947,752 ..........94,349 ..........78,7892. 2001.... .....1,559,942 .....1,535,073 .....1,561,137 .....1,562,765 .....1,553,811 .....1,612,660 .....1,627,486 .....1,681,446 .....1,686,642 .....1,649,930 ........(36,711) ........(31,516)3. 2002.... .......XXX........ .....1,372,031 .....1,295,525 .....1,372,766 .....1,419,017 .....1,439,883 .....1,489,104 .....1,475,351 .....1,481,241 .....1,450,119 ........(31,121) ........(25,232)4. 2003.... .......XXX........ .......XXX........ .....1,604,563 .....1,433,839 .....1,471,976 .....1,491,854 .....1,545,985 .....1,576,019 .....1,555,365 .....1,521,853 ........(33,512) ........(54,166)5. 2004.... .......XXX........ .......XXX........ .......XXX........ .....1,802,765 .....1,658,944 .....1,510,445 .....1,456,410 .....1,438,578 .....1,410,704 .....1,374,009 ........(36,695) ........(64,570)6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,607,847 .....1,483,038 .....1,406,970 .....1,332,031 .....1,312,004 .....1,280,914 ........(31,090) ........(51,117)7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,612,253 .....1,467,786 .....1,357,855 .....1,344,681 .....1,300,441 ........(44,240) ........(57,414)8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,655,550 .....1,619,536 .....1,605,100 .....1,562,418 ........(42,682) ........(57,118)9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,825,754 .....1,847,416 .....1,844,960 ..........(2,457) ..........19,206

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,878,782 .....1,852,258 ........(26,523) .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,964,986 .......XXX........ .......XXX........

12. Totals ......(190,683) ......(243,136)

SCHEDULE P - PART 2E - COMMERCIAL MULTIPLE PERIL1. Prior..... .....2,375,616 .....2,483,504 .....2,517,099 .....2,484,228 .....2,563,722 .....2,750,331 .....2,704,513 .....2,730,439 .....2,716,089 .....2,697,694 ........(18,395) ........(32,746)2. 2001.... .....1,635,058 .....1,591,393 .....1,633,935 .....1,626,265 .....1,574,870 .....1,553,821 .....1,551,468 .....1,554,091 .....1,541,543 .....1,544,832 ............3,289 ..........(9,259)3. 2002.... .......XXX........ .....1,353,966 .....1,290,073 .....1,245,179 .....1,189,029 .....1,168,826 .....1,132,792 .....1,120,376 .....1,116,854 .....1,115,204 ..........(1,651) ..........(5,173)4. 2003.... .......XXX........ .......XXX........ .....1,461,913 .....1,367,273 .....1,298,232 .....1,234,083 .....1,240,210 .....1,191,013 .....1,169,279 .....1,153,126 ........(16,153) ........(37,887)5. 2004.... .......XXX........ .......XXX........ .......XXX........ .....1,631,968 .....1,491,378 .....1,460,313 .....1,373,968 .....1,247,779 .....1,219,762 .....1,209,850 ..........(9,911) ........(37,929)6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....2,128,974 .....1,892,303 .....1,806,269 .....1,573,771 .....1,587,288 .....1,566,533 ........(20,755) ..........(7,238)7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,425,715 .....1,363,187 .....1,224,621 .....1,147,254 .....1,142,092 ..........(5,163) ........(82,529)8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,432,740 .....1,375,975 .....1,312,912 .....1,350,117 ..........37,205 ........(25,858)9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,659,233 .....1,599,768 .....1,603,451 ............3,682 ........(55,782)

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,408,010 .....1,432,724 ..........24,714 .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,625,158 .......XXX........ .......XXX........

12. Totals ..........(3,138) ......(294,401)

Page 47: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

56

SCHEDULE P - PART 2F - SECTION 1 - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCEIncurred Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) Development

Years in 1 2 3 4 5 6 7 8 9 10 11 12Which

Losses Were One TwoIncurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Year Year

1. Prior..... ........443,359 ........373,534 ........472,432 ........449,654 ........410,163 ........419,640 ........425,671 ........426,897 ........420,314 ........412,578 ..........(7,736) ........(14,319)2. 2001.... ..........84,244 ..........67,585 ........111,282 ........109,445 ........112,421 ........119,201 ........126,618 ........124,552 ........124,456 ........133,987 ............9,531 ............9,4353. 2002.... .......XXX........ ........163,229 ........194,766 ........196,324 ........191,453 ........216,120 ........212,803 ........207,428 ........212,386 ........211,635 .............(751) ............4,2084. 2003.... .......XXX........ .......XXX........ ..........38,860 ..........43,931 ..........52,926 ..........36,441 ..........28,559 ..........28,410 ..........28,266 ..........24,762 ..........(3,504) ..........(3,648)5. 2004.... .......XXX........ .......XXX........ .......XXX........ ............3,300 ............2,281 ............1,393 ............1,764 ............1,879 ............1,867 .............(595) ..........(2,462) ..........(2,474)6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................87 ...............497 ...............497 ...............397 ...............197 ...............(48) .............(245) .............(445)7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............260 ...............173 ............1,037 ............1,035 .................75 .............(959) .............(962)8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................(5) ...................6 ...................8 .................14 ...................6 ...................89. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............(12) ...............(12) .................(2) .................10 .................10

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................(5) .................(3) ...................2 .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................(9) .......XXX........ .......XXX........

12. Totals ..........(6,108) ..........(8,188)

SCHEDULE P - PART 2F - SECTION 2 - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADE1. Prior..... .....1,319,991 .....1,310,968 .....1,496,328 .....1,408,317 .....1,465,060 .....1,511,076 .....1,532,197 .....1,543,229 .....1,572,013 .....1,567,701 ..........(4,311) ..........24,4732. 2001.... ........527,368 ........637,298 ........723,321 ........749,580 ........799,271 ........789,590 ........777,372 ........772,692 ........777,228 ........774,676 ..........(2,552) ............1,9843. 2002.... .......XXX........ ........297,974 ........326,305 ........334,579 ........350,281 ........353,144 ........359,232 ........372,781 ........377,242 ........378,144 ...............901 ............5,3624. 2003.... .......XXX........ .......XXX........ ..........31,965 ..........16,341 ..........25,530 ..........16,917 ..........17,917 ..........17,268 ..........17,743 ..........17,201 .............(543) ...............(67)5. 2004.... .......XXX........ .......XXX........ .......XXX........ ............7,017 ..........11,339 ............7,992 ............8,499 ............9,010 ............8,908 ............9,310 ...............402 ...............3006. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............4,191 ............3,562 ............3,434 ............3,934 ............3,734 ............3,764 .................30 .............(170)7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............1,454 ...............361 ...............259 ...............127 .................13 .............(115) .............(246)8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............273 ..........(1,227) ..........(1,227) ...............273 ............1,500 ............1,5009. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................(1) ............1,699 ............1,910 ...............211 ............1,911

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............132 .......XXX........ .......XXX........

12. Totals ..........(4,477) ..........35,046

SCHEDULE P - PART 2G - SPECIAL LIABILITY (OCEAN MARINE,AIRCRAFT (ALL PERILS), BOILER & MACHINERY)

1. Prior..... ........163,684 ........155,381 ........136,541 ........141,870 ........138,177 ........144,521 ........159,220 ........166,816 ........170,236 ........163,820 ..........(6,416) ..........(2,996)2. 2001.... ........162,325 ........166,655 ........168,040 ........196,905 ........197,461 ........171,987 ........171,015 ........166,438 ........169,837 ........161,789 ..........(8,048) ..........(4,649)3. 2002.... .......XXX........ ........182,172 ........166,293 ........148,970 ........141,605 ........142,195 ........146,776 ........143,998 ........146,841 ........142,180 ..........(4,661) ..........(1,818)4. 2003.... .......XXX........ .......XXX........ ........188,207 ........146,364 ........136,681 ........135,051 ........138,750 ........139,837 ........136,594 ........133,409 ..........(3,185) ..........(6,428)5. 2004.... .......XXX........ .......XXX........ .......XXX........ ........240,228 ........168,272 ........173,151 ........179,982 ........175,154 ........170,872 ........169,373 ..........(1,499) ..........(5,781)6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........253,838 ........196,023 ........200,949 ........196,155 ........184,675 ........183,911 .............(764) ........(12,244)7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........211,977 ........189,832 ........184,830 ........193,396 ........195,696 ............2,301 ..........10,8668. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........212,868 ........167,103 ........157,064 ........160,393 ............3,329 ..........(6,709)9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........208,996 ........203,275 ........199,053 ..........(4,222) ..........(9,943)

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........195,154 ........169,751 ........(25,403) .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........215,284 .......XXX........ .......XXX........

12. Totals ........(48,569) ........(39,703)

SCHEDULE P - PART 2H - SECTION 1 - OTHER LIABILITY - OCCURRENCE1. Prior..... .....4,432,141 .....5,782,066 .....5,986,863 .....7,021,948 .....7,625,241 .....8,347,262 .....8,455,583 .....8,397,788 .....8,472,565 .....8,261,283 ......(211,282) ......(136,504)2. 2001.... ........926,493 ........985,168 .....1,206,179 .....1,274,691 .....1,260,025 .....1,282,538 .....1,254,033 .....1,170,880 .....1,141,343 .....1,122,170 ........(19,173) ........(48,710)3. 2002.... .......XXX........ .....1,062,437 .....1,053,284 .....1,177,045 .....1,233,941 .....1,253,996 .....1,205,136 .....1,135,466 .....1,068,526 .....1,022,592 ........(45,934) ......(112,874)4. 2003.... .......XXX........ .......XXX........ .....1,137,551 .....1,048,481 .....1,129,283 .....1,168,552 .....1,132,102 .....1,071,265 ........984,162 ........967,508 ........(16,654) ......(103,757)5. 2004.... .......XXX........ .......XXX........ .......XXX........ .....1,137,984 .....1,110,134 .....1,108,134 .....1,036,597 ........899,350 ........871,847 ........821,879 ........(49,968) ........(77,471)6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,186,825 .....1,132,691 .....1,116,079 ........873,761 ........824,551 ........746,308 ........(78,243) ......(127,453)7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,177,997 .....1,190,935 ........983,151 ........922,830 ........851,731 ........(71,099) ......(131,419)8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,103,511 .....1,127,199 .....1,044,957 .....1,015,954 ........(29,003) ......(111,245)9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,111,912 .....1,138,120 .....1,164,696 ..........26,576 ..........52,784

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,033,166 .....1,056,185 ..........23,019 .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,016,622 .......XXX........ .......XXX........

12. Totals ......(471,760) ......(796,649)

SCHEDULE P - PART 2H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE1. Prior..... ........601,802 ........618,438 ........614,850 ........679,172 ........709,867 ........751,973 ........750,073 ........792,282 ........781,198 ........834,672 ..........53,474 ..........42,3902. 2001.... ........350,391 ........285,197 ........403,341 ........480,709 ........516,449 ........534,936 ........552,600 ........577,420 ........573,967 ........553,883 ........(20,084) ........(23,537)3. 2002.... .......XXX........ ........401,980 ........352,960 ........560,458 ........616,810 ........658,067 ........648,761 ........603,744 ........616,078 ........611,425 ..........(4,653) ............7,6814. 2003.... .......XXX........ .......XXX........ ........499,253 ........455,044 ........520,313 ........604,945 ........626,835 ........632,848 ........629,711 ........643,761 ..........14,050 ..........10,9125. 2004.... .......XXX........ .......XXX........ .......XXX........ ........641,564 ........534,814 ........532,738 ........537,488 ........483,251 ........445,720 ........434,237 ........(11,484) ........(49,014)6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........606,171 ........552,636 ........561,157 ........555,893 ........480,755 ........457,704 ........(23,051) ........(98,189)7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........603,434 ........632,639 ........681,014 ........618,537 ........613,026 ..........(5,512) ........(67,989)8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........633,587 ........614,579 ........678,977 ........621,788 ........(57,189) ............7,2089. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........638,384 ........837,125 ........796,887 ........(40,238) ........158,504

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........642,369 ........668,828 ..........26,459 .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........616,901 .......XXX........ .......XXX........

12. Totals ........(68,228) ........(12,033)

Page 48: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

57

SCHEDULE P - PART 2I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE,EARTHQUAKE, BURGLARY AND THEFT)

Incurred Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) Development1 2 3 4 5 6 7 8 9 10 11 12

Years inWhich

Losses Were One TwoIncurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Year Year

1. Prior..... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,095,133 ........992,246 ........834,682 ......(157,564) ......(260,451)2. 2009.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........938,274 ........854,142 ........(84,132) ......XXX.........3. 2010.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,043,983 ......XXX......... ......XXX.........

4. Totals ......(241,696) ......(260,451)

SCHEDULE P - PART 2J - AUTO PHYSICAL DAMAGE1. Prior..... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........142,813 ........108,525 ..........72,148 ........(36,377) ........(70,664)2. 2009.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,005,765 .....1,003,859 ..........(1,906) ......XXX.........3. 2010.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,049,219 ......XXX......... ......XXX.........

4. Totals ........(38,283) ........(70,664)

SCHEDULE P - PART 2K - FIDELITY/SURETY1. Prior..... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,200,007 .....1,117,677 .....1,015,038 ......(102,639) ......(184,969)2. 2009.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........329,823 ........354,913 ..........25,089 ......XXX.........3. 2010.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........303,885 ......XXX......... ......XXX.........

4. Totals ........(77,550) ......(184,969)

SCHEDULE P - PART 2L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)1. Prior..... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........30,088 ..........27,942 ..........24,372 ..........(3,570) ..........(5,715)2. 2009.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...............376 ...............280 ...............(96) ......XXX.........3. 2010.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............1,871 ......XXX......... ......XXX.........

4. Totals ..........(3,666) ..........(5,715)

SCHEDULE P - PART 2M - INTERNATIONAL1. Prior..... ..........11,960 ..........15,295 ..........19,750 ..........22,911 ..........18,990 ..........22,178 ..........22,877 ..........23,127 ..........22,146 ..........22,104 ...............(42) ..........(1,023)2. 2001.... ..........55,993 ..........54,303 ..........57,139 ..........61,559 ..........40,307 ..........41,072 ..........40,372 ..........40,472 ..........41,478 ..........41,474 .................(4) ............1,0023. 2002.... ......XXX......... ............4,946 ............7,711 ...............471 ...............380 ...............471 ...............471 ...............471 ...............471 ...............471 .................(0) .................(0)4. 2003.... ......XXX......... ......XXX......... ........105,717 ........104,097 ........114,049 ........121,213 ........121,213 ........121,213 ........121,213 ........121,213 .................(0) .................(0)5. 2004.... ......XXX......... ......XXX......... ......XXX......... ........189,666 ........180,666 ........139,793 ........142,191 ........142,191 ........142,191 ........142,191 .................(0) .................(0)6. 2005.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........(2,054) ............9,142 ............6,477 ............6,477 ............6,337 ............6,337 .................(0) .............(140)7. 2006.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...............963 ...............964 ...............964 ...................0 ...................0 ...................0 .............(964)8. 2007.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............6,198 ............5,909 ............8,025 ............6,988 ..........(1,038) ............1,0789. 2008.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........10,444 ............7,359 ............6,670 .............(689) ..........(3,774)

10. 2009.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...............583 ...............310 .............(273) ......XXX.........11. 2010.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............3,206 ......XXX......... ......XXX.........

12. Totals ..........(2,046) ..........(3,820)

Page 49: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

58

SCHEDULE P - PART 2N - REINSURANCENONPROPORTIONAL ASSUMED PROPERTY

Incurred Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) Development1 2 3 4 5 6 7 8 9 10 11 12

Years inWhich

Losses Were One TwoIncurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Year Year

1. Prior..... ........176,601 ........117,966 ........191,636 ........217,867 ........233,391 ........241,588 ........238,751 ........251,833 ........258,666 ........259,069 ...............403 ............7,2362. 2001.... ........947,176 ........910,489 ........838,262 ........720,223 ........724,354 ........722,853 ........692,199 ........713,061 ........689,912 ........683,725 ..........(6,187) ........(29,336)3. 2002.... .......XXX........ ........264,597 ........114,704 ..........78,716 ..........81,514 ..........83,014 ..........65,885 ..........65,634 ..........88,311 ..........86,534 ..........(1,777) ..........20,9004. 2003.... .......XXX........ .......XXX........ ..........52,875 ..........18,127 ..........17,621 ..........17,670 ..........13,170 ..........13,275 ..........16,045 ..........17,878 ............1,833 ............4,6035. 2004.... .......XXX........ .......XXX........ .......XXX........ ..........35,471 ..........26,675 ............5,463 ............5,463 ............5,463 ............3,851 ............3,851 .................(0) ..........(1,612)6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............9,260 ............4,046 ............1,146 ............1,346 ............2,033 ............1,768 .............(265) ...............4237. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............5,997 ............1,175 ...............625 ..........(3,417) ..........(3,599) .............(182) ..........(4,224)8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........19,255 ............7,655 .............(922) .............(456) ...............466 ..........(8,111)9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............3,004 ..........(5,781) ..........(5,711) .................71 ..........(8,714)

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................4 ...................4 .................(0) .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............2,506 .......XXX........ .......XXX........

12. Totals ..........(5,638) ........(18,835)

SCHEDULE P - PART 2O - REINSURANCENONPROPORTIONAL ASSUMED LIABILITY

1. Prior..... .....1,481,640 .....1,609,591 .....1,611,008 .....2,096,112 .....2,739,534 .....2,804,854 .....2,968,300 .....2,788,554 .....2,705,336 .....2,645,211 ........(60,126) ......(143,344)2. 2001.... ........245,487 ........322,817 ........244,826 ........287,094 ........224,829 ........360,240 ........410,708 ........413,368 ........446,687 ........444,732 ..........(1,956) ..........31,3633. 2002.... .......XXX........ ........306,231 ........105,299 ..........82,985 ........191,130 ........162,358 ........169,430 ........213,981 ........201,497 ........164,440 ........(37,057) ........(49,541)4. 2003.... .......XXX........ .......XXX........ ..........21,972 ..........36,663 ..........60,956 ..........72,096 ..........77,283 ..........88,092 ..........99,908 ..........98,730 ..........(1,178) ..........10,6385. 2004.... .......XXX........ .......XXX........ .......XXX........ ..........26,684 ..........26,700 ..........26,695 ..........27,898 ..........44,269 ..........42,784 ..........41,662 ..........(1,121) ..........(2,606)6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........27,863 ..........18,158 ..........24,219 ............7,680 ............3,574 ............3,264 .............(310) ..........(4,416)7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........32,934 ..........26,633 ............1,473 ............1,887 ............1,509 .............(378) .................368. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........26,913 ............2,109 ............1,248 .............(985) ..........(2,233) ..........(3,095)9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........20,312 ..........17,027 ..........18,520 ............1,493 ..........(1,792)

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........14,374 ..........14,474 ...............100 .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........12,553 .......XXX........ .......XXX........

12. Totals ......(102,768) ......(162,757)

SCHEDULE P - PART 2P - REINSURANCENONPROPORTIONAL ASSUMED FINANCIAL LINES

1. Prior..... ..........31,403 ..........(2,193) ..........12,811 ............9,418 ..........21,789 ..........21,370 ..........20,000 ..........20,100 ..........15,146 ..........12,141 ..........(3,005) ..........(7,959)2. 2001.... ..........52,470 ..........26,726 ..........46,059 ..........51,684 ..........52,434 ..........52,387 ..........51,787 ..........51,789 ..........49,789 ..........49,089 .............(700) ..........(2,700)3. 2002.... .......XXX........ ..........27,511 ..........14,382 ..........14,011 ..........18,011 ..........17,555 ..........17,225 ..........17,235 ..........15,231 ..........15,231 .................(0) ..........(2,004)4. 2003.... .......XXX........ .......XXX........ ...............814 ............1,114 ............1,114 ............1,116 ............1,446 ............1,456 ............1,519 ............1,519 .................(0) .................645. 2004.... .......XXX........ .......XXX........ .......XXX........ ...............839 ...............945 ............1,445 ............2,545 ............3,203 ............3,501 ............3,464 ...............(37) ...............2616. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............2,421 ............2,417 ............2,917 ............3,437 ............2,610 ............2,214 .............(396) ..........(1,224)7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............791 ...............791 ...............791 ...............291 ...................0 .............(291) .............(791)8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............2,234 ...............934 ...............912 ...............912 .................(0) ...............(22)9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............1,303 ...............889 ...............889 .................(0) .............(414)

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............1,841 ............1,841 .................(0) .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............1,526 .......XXX........ .......XXX........

12. Totals ..........(4,429) ........(14,789)

Page 50: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

59

SCHEDULE P - PART 2R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCEIncurred Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) Development

1 2 3 4 5 6 7 8 9 10 11 12Years inWhich

Losses Were One TwoIncurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Year Year

1. Prior..... .....1,433,357 .....3,397,755 .....3,479,054 .....3,934,713 .....3,997,324 .....3,494,443 .....3,511,984 .....3,616,054 .....3,637,395 .....3,898,051 ........260,656 ........281,9972. 2001.... ........210,370 ........183,494 ........176,273 ........209,907 ........221,447 ........214,244 ........209,764 ........263,862 ........260,166 ........268,801 ............8,635 ............4,9383. 2002.... .......XXX........ ........229,321 ........188,739 ........244,787 ........259,933 ........267,923 ........281,469 ........355,424 ........347,929 ........337,223 ........(10,705) ........(18,201)4. 2003.... .......XXX........ .......XXX........ ........243,231 ........203,929 ........236,545 ........234,461 ........248,825 ........340,907 ........309,848 ........302,525 ..........(7,323) ........(38,382)5. 2004.... .......XXX........ .......XXX........ .......XXX........ ........348,990 ........327,121 ........272,536 ........248,258 ........283,764 ........249,028 ........245,574 ..........(3,454) ........(38,190)6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........192,915 ........180,697 ........143,445 ........177,150 ........159,466 ........158,948 .............(518) ........(18,202)7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........120,624 ........107,114 ........149,345 ........148,525 ........133,044 ........(15,481) ........(16,302)8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........111,910 ........107,370 ........124,334 ........155,834 ..........31,500 ..........48,4639. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........104,979 ........136,853 ........126,997 ..........(9,856) ..........22,018

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........102,994 ........104,239 ............1,245 .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........91,230 .......XXX........ .......XXX........

12. Totals ........254,700 ........228,140

SCHEDULE P - PART 2R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS-MADE1. Prior..... ..........71,412 ..........59,670 ..........66,773 ..........78,087 ..........76,649 ..........77,706 ..........81,162 ..........82,318 ..........79,194 ..........79,022 .............(171) ..........(3,296)2. 2001.... ..........11,222 ..........13,044 ..........18,552 ..........19,744 ..........18,341 ..........18,797 ..........20,306 ..........21,662 ..........22,949 ..........19,695 ..........(3,255) ..........(1,967)3. 2002.... .......XXX........ ..........11,820 ..........10,559 ..........10,084 ..........11,494 ..........11,621 ............9,335 ............8,924 ..........11,121 ..........10,490 .............(632) ............1,5664. 2003.... .......XXX........ .......XXX........ ..........11,355 ..........13,810 ..........13,075 ............8,704 ............5,750 ............8,679 ............3,062 ............3,452 ...............390 ..........(5,227)5. 2004.... .......XXX........ .......XXX........ .......XXX........ ..........17,942 ............2,717 ............1,476 ..........(3,313) ..........(2,962) ............4,262 ............6,304 ............2,042 ............9,2676. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............9,620 ............9,403 ..........13,829 ..........13,314 ..........11,403 ............7,797 ..........(3,606) ..........(5,517)7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............8,448 ............8,457 ............5,970 ............5,447 ............3,033 ..........(2,414) ..........(2,937)8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............8,863 ..........12,296 ..........10,901 ..........10,893 .................(8) ..........(1,403)9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............8,562 ..........11,690 ..........11,835 ...............144 ............3,273

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........10,309 ..........10,617 ...............308 .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............7,716 .......XXX........ .......XXX........

12. Totals ..........(7,201) ..........(6,241)

SCHEDULE P - PART 2S - FINANCIAL GUARANTY/MORTGAGE GUARANTY1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................7 ...................7 ...................0 .................(6) .................(6)2. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 .......XXX........3. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .......XXX........ .......XXX........

4. Totals .................(6) .................(6)

SCHEDULE P - PART 2T - WARRANTY1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .................(1) .................(1) ...................0 .................(1)2. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 .......XXX........3. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .......XXX........ .......XXX........

4. Totals ...................0 .................(1)

Page 51: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

60

SCHEDULE P - PART 3A - HOMEOWNERS/FARMOWNERSCumulative Paid Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) 11 12

1 2 3 4 5 6 7 8 9 10 Number of Number ofYears in Claims ClaimsWhich Closed Closed

Losses Were With Loss Without LossIncurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Payment Payment

1. Prior..... ........000........ ..........81,162 ........127,077 ........150,065 ........160,874 ........167,777 ........172,484 ........174,705 ........177,615 ........179,346 ...................0 ...................02. 2001.... ........613,352 ........848,496 ........883,473 ........901,456 ........910,070 ........914,794 ........917,066 ........919,476 ........919,248 ........919,724 ........218,469 ..........40,3943. 2002.... .......XXX........ ........511,188 ........703,040 ........736,232 ........753,074 ........763,394 ........767,308 ........769,364 ........770,039 ........770,562 ........163,762 ..........31,3954. 2003.... .......XXX........ .......XXX........ ........629,117 ........846,109 ........886,389 ........903,704 ........912,794 ........915,836 ........917,688 ........919,171 ........176,120 ..........29,4475. 2004.... .......XXX........ .......XXX........ .......XXX........ ........715,449 .....1,061,422 .....1,122,697 .....1,145,220 .....1,157,795 .....1,164,217 .....1,169,622 ........158,467 ..........29,6896. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........745,053 .....1,046,862 .....1,068,817 .....1,091,496 .....1,096,595 .....1,105,751 ........151,413 ..........22,8297. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........734,162 ........977,644 .....1,027,198 .....1,048,687 .....1,061,535 ........153,877 ..........16,9858. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........785,796 .....1,058,795 .....1,094,906 .....1,122,838 ........140,133 ..........14,1529. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,165,592 .....1,551,099 .....1,621,468 ........211,604 ..........19,496

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,194,787 .....1,584,732 ........210,292 ..........21,74611. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,352,538 ........198,262 ..........17,168

SCHEDULE P - PART 3B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL1. Prior..... ........000........ ........478,647 ........718,143 ........831,816 ........896,907 ........930,450 ........951,594 ........966,958 ........974,262 ........986,102 ...................0 ...................02. 2001.... ........404,554 ........785,244 ........971,735 .....1,074,453 .....1,137,110 .....1,161,662 .....1,176,446 .....1,183,045 .....1,186,597 .....1,187,645 ........240,160 ..........78,7813. 2002.... .......XXX........ ........411,906 ........801,365 ........989,247 .....1,094,310 .....1,153,105 .....1,181,394 .....1,194,525 .....1,199,335 .....1,202,067 ........219,027 ..........78,3334. 2003.... .......XXX........ .......XXX........ ........410,685 ........789,789 ........977,585 .....1,088,034 .....1,156,765 .....1,185,829 .....1,197,025 .....1,201,515 ........213,053 ..........80,9115. 2004.... .......XXX........ .......XXX........ .......XXX........ ........448,379 ........833,863 .....1,024,311 .....1,139,027 .....1,205,312 .....1,229,075 .....1,238,757 ........219,108 ..........73,1716. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........457,175 ........833,278 .....1,026,866 .....1,140,543 .....1,194,249 .....1,218,789 ........219,377 ..........66,9667. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........484,845 ........882,582 .....1,100,160 .....1,213,877 .....1,276,068 ........227,770 ..........63,1708. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........540,556 ........988,399 .....1,212,471 .....1,340,252 ........241,840 ..........71,6479. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........563,325 ........988,716 .....1,211,225 ........234,282 ..........72,386

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........567,530 .....1,017,838 ........215,778 ..........68,74011. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........586,258 ........142,143 ..........44,344

SCHEDULE P - PART 3C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL1. Prior..... ........000........ ........725,582 .....1,084,855 .....1,208,820 .....1,329,319 .....1,380,447 .....1,423,933 .....1,439,726 .....1,467,711 .....1,471,132 ...................0 ...................02. 2001.... ........215,104 ........489,532 ........732,035 ........895,364 ........987,896 .....1,040,956 .....1,055,652 .....1,069,207 .....1,076,740 .....1,079,031 ........113,782 ..........63,4183. 2002.... .......XXX........ ........185,029 ........435,519 ........644,722 ........826,563 ........925,285 ........975,229 ........994,254 .....1,004,991 .....1,008,133 ........102,159 ..........56,5114. 2003.... .......XXX........ .......XXX........ ........191,720 ........417,143 ........670,775 ........827,722 ........941,496 ........977,893 ........994,150 .....1,007,826 ..........91,137 ..........50,6865. 2004.... .......XXX........ .......XXX........ .......XXX........ ........167,988 ........389,281 ........588,909 ........724,780 ........818,916 ........852,132 ........871,050 ..........82,306 ..........46,2196. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........149,692 ........352,259 ........539,392 ........669,120 ........748,905 ........784,835 ..........68,340 ..........43,5987. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........150,422 ........351,366 ........512,657 ........634,382 ........714,436 ..........60,002 ..........41,5148. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........171,496 ........393,173 ........579,007 ........720,732 ..........61,868 ..........43,0569. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........169,348 ........361,748 ........567,822 ..........59,641 ..........42,904

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........166,376 ........377,705 ..........46,679 ..........35,49711. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........194,040 ..........33,932 ..........29,239

SCHEDULE P - PART 3D - WORKERS' COMPENSATION1. Prior..... ........000........ ........818,756 .....1,464,565 .....1,927,330 .....2,344,934 .....2,725,418 .....3,055,197 .....3,293,857 .....3,451,955 .....3,661,874 ...................0 ...................02. 2001.... ........261,689 ........588,437 ........797,019 ........901,680 ........993,159 .....1,060,857 .....1,073,976 .....1,112,174 .....1,101,582 .....1,138,485 ........177,599 ..........64,1813. 2002.... .......XXX........ ........221,952 ........504,907 ........647,254 ........755,426 ........825,719 ........881,807 ........924,516 ........961,330 ........991,082 ........158,562 ..........56,0194. 2003.... .......XXX........ .......XXX........ ........222,951 ........503,104 ........651,366 ........746,701 ........816,663 ........875,525 ........920,445 ........959,724 ........137,935 ..........53,9455. 2004.... .......XXX........ .......XXX........ .......XXX........ ........216,721 ........462,374 ........600,883 ........688,605 ........758,533 ........809,653 ........853,255 ........128,519 ..........50,1906. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........193,503 ........393,687 ........503,604 ........577,244 ........636,759 ........685,747 ........108,791 ..........39,0657. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........191,775 ........397,655 ........508,277 ........582,357 ........640,816 ..........93,978 ..........31,0658. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........237,045 ........497,841 ........652,495 ........754,752 ..........94,735 ..........21,7289. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........296,027 ........620,222 ........813,560 ........101,763 ............9,921

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........303,289 ........661,010 ..........89,872 ............9,34411. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........355,151 ..........60,106 ............8,479

SCHEDULE P - PART 3E - COMMERCIAL MULTIPLE PERIL1. Prior..... ........000........ ........708,461 .....1,208,969 .....1,532,002 .....1,753,070 .....1,931,054 .....2,063,678 .....2,166,087 .....2,221,671 .....2,265,612 ...................0 ...................02. 2001.... ........547,979 ........902,548 .....1,082,934 .....1,229,265 .....1,339,111 .....1,396,034 .....1,439,502 .....1,463,843 .....1,483,555 .....1,495,330 ..........84,775 ........129,2753. 2002.... .......XXX........ ........400,603 ........639,792 ........778,071 ........882,067 ........956,680 .....1,008,498 .....1,035,667 .....1,050,065 .....1,060,331 ..........62,523 ..........65,5574. 2003.... .......XXX........ .......XXX........ ........419,514 ........674,589 ........800,717 ........910,546 ........989,529 .....1,038,658 .....1,061,363 .....1,074,466 ..........55,352 ..........45,1705. 2004.... .......XXX........ .......XXX........ .......XXX........ ........442,551 ........775,128 ........904,285 .....1,010,010 .....1,079,203 .....1,114,645 .....1,140,728 ..........51,327 ..........39,1986. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........511,841 .....1,135,795 .....1,262,545 .....1,392,931 .....1,452,603 .....1,504,049 ..........52,485 ..........43,1517. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........403,890 ........657,996 ........794,924 ........907,537 ........997,623 ..........47,463 ..........38,9908. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........466,144 ........779,545 ........936,147 .....1,062,717 ..........46,721 ..........40,6109. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........660,004 .....1,032,498 .....1,190,062 ..........51,623 ..........42,791

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........555,781 ........896,693 ..........44,320 ..........41,75111. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........654,068 ..........35,194 ..........35,886

Page 52: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

61

SCHEDULE P - PART 3F - SECTION 1 - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCECumulative Paid Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) 11 12

1 2 3 4 5 6 7 8 9 10 Number of Number ofYears in Claims ClaimsWhich Closed Closed

Losses Were With Loss Without LossIncurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Payment Payment

1. Prior..... ........000........ ........159,457 ........259,377 ........296,770 ........332,831 ........353,242 ........371,419 ........389,634 ........393,081 ........395,586 ...................0 ...................02. 2001.... ...............293 ............6,851 ..........28,329 ..........55,665 ..........83,360 ..........95,462 ........105,628 ........109,714 ........116,783 ........119,938 ...............624 ............1,2343. 2002.... .......XXX........ ............6,535 ..........29,915 ..........65,495 ..........96,616 ........118,870 ........148,532 ........175,286 ........194,007 ........198,795 ...............545 ............1,6714. 2003.... .......XXX........ .......XXX........ ...............592 ............6,106 ..........11,741 ..........13,992 ..........18,635 ..........19,631 ..........20,319 ..........20,848 .................55 ...............2185. 2004.... .......XXX........ .......XXX........ .......XXX........ ...............(19) .............(612) ..........(1,116) ..........(1,387) ..........(1,565) ..........(1,540) ..........(1,231) ...................5 ...................56. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............(33) ...............(35) ...................2 .............(249) .............(295) .............(295) ...................2 ...................37. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................2 ...................8 .................16 ...................0 ...................28. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................1 ...................2 ...................0 ...................19. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................011. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................1

SCHEDULE P - PART 3F - SECTION 2 - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADE1. Prior..... ........000........ ........631,784 .....1,059,804 .....1,067,992 .....1,209,781 .....1,325,845 .....1,406,751 .....1,437,425 .....1,465,818 .....1,486,719 ...................0 ...................02. 2001.... ..........37,640 ........242,503 ........429,760 ........568,085 ........673,951 ........700,166 ........724,696 ........742,606 ........746,435 ........758,125 ............2,726 ............7,7613. 2002.... .......XXX........ ..........20,547 ........106,797 ........192,026 ........249,692 ........293,386 ........320,163 ........344,474 ........356,008 ........363,514 ............1,156 ............4,8374. 2003.... .......XXX........ .......XXX........ ............2,708 ............6,261 ............9,497 ..........12,059 ..........13,881 ..........14,418 ..........14,761 ..........15,081 ...............107 ...............4385. 2004.... .......XXX........ .......XXX........ .......XXX........ ...............559 ............1,879 ............3,683 ............4,362 ............4,965 ............5,120 ............5,636 .................87 ...............2836. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............276 ............1,203 ............1,739 ............2,146 ............2,412 ............2,741 .................44 ...............1827. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................42 .................43 .................45 .................46 .................46 ...................0 ...................08. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0 ...................09. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................40 ...............377 ............1,566 ...................0 ...................1

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................011. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............132 ...................1 ...................0

SCHEDULE P - PART 3G - SPECIAL LIABILITY (OCEAN MARINE,AIRCRAFT (ALL PERILS), BOILER AND MACHINERY)

1. Prior..... ........000........ ..........50,182 ..........70,043 ..........81,665 ..........91,986 ........103,514 ........117,180 ........122,283 ........129,069 ........132,641 .......XXX........ .......XXX........2. 2001.... ..........64,884 ........115,541 ........131,733 ........144,424 ........148,988 ........154,652 ........156,924 ........157,040 ........157,197 ........156,869 .......XXX........ .......XXX........3. 2002.... .......XXX........ ..........61,405 ........113,125 ........125,280 ........132,438 ........138,239 ........140,190 ........140,776 ........141,709 ........141,954 .......XXX........ .......XXX........4. 2003.... .......XXX........ .......XXX........ ..........50,528 ........102,735 ........119,965 ........122,973 ........127,321 ........125,586 ........131,839 ........130,554 .......XXX........ .......XXX........5. 2004.... .......XXX........ .......XXX........ .......XXX........ ..........83,619 ........135,929 ........150,611 ........158,392 ........165,686 ........167,664 ........166,261 .......XXX........ .......XXX........6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........95,809 ........153,937 ........164,398 ........170,922 ........176,366 ........178,443 .......XXX........ .......XXX........7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........83,514 ........145,443 ........161,518 ........173,442 ........182,559 .......XXX........ .......XXX........8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........78,945 ........122,476 ........136,264 ........145,781 .......XXX........ .......XXX........9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........83,697 ........152,812 ........162,763 .......XXX........ .......XXX........

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........73,984 ........121,310 .......XXX........ .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........100,868 .......XXX........ .......XXX........

SCHEDULE P - PART 3H - SECTION 1 - OTHER LIABILITY - OCCURRENCE1. Prior..... ........000........ .....1,230,086 .....2,299,668 .....2,965,056 .....3,755,395 .....4,366,518 .....4,646,653 .....5,334,647 .....5,648,598 .....5,953,327 ...................0 ...................02. 2001.... ..........83,796 ........223,227 ........445,214 ........637,549 ........752,641 ........873,620 ........923,849 ........959,656 ........982,392 ........997,808 ..........35,459 ..........47,0143. 2002.... .......XXX........ ..........82,254 ........195,014 ........401,830 ........596,147 ........751,324 ........831,913 ........882,170 ........906,639 ........912,301 ..........32,642 ..........45,8494. 2003.... .......XXX........ .......XXX........ ..........35,918 ........167,302 ........344,415 ........513,732 ........655,325 ........736,291 ........776,276 ........808,426 ..........24,062 ..........48,7745. 2004.... .......XXX........ .......XXX........ .......XXX........ ..........28,865 ........112,777 ........273,237 ........422,266 ........522,759 ........586,016 ........626,200 ..........18,973 ..........27,8066. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........23,824 ..........93,671 ........216,597 ........324,370 ........427,963 ........493,577 ..........12,021 ..........15,7307. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........20,353 ..........93,664 ........208,334 ........335,354 ........449,377 ............7,942 ..........12,5968. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........30,649 ........132,922 ........285,953 ........427,197 ............6,695 ..........12,1899. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........34,283 ........146,821 ........344,942 ............5,701 ..........10,984

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........30,470 ........158,017 ............4,648 ..........11,02111. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........32,262 ............2,992 ............9,650

SCHEDULE P - PART 3H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE1. Prior..... ........000........ ........217,898 ........332,742 ........380,687 ........413,335 ........487,804 ........521,908 ........563,840 ........615,839 ........654,224 ...................0 ...................02. 2001.... ..........18,462 ........107,892 ........189,622 ........287,067 ........363,386 ........402,692 ........432,859 ........452,448 ........477,753 ........487,907 ............3,181 ............8,4403. 2002.... .......XXX........ ..........28,568 ........131,805 ........239,421 ........338,668 ........425,369 ........470,584 ........479,812 ........508,679 ........527,127 ............3,511 ............9,3514. 2003.... .......XXX........ .......XXX........ ..........24,780 ..........93,502 ........257,632 ........368,536 ........454,282 ........484,820 ........530,155 ........542,654 ............3,333 ............9,7325. 2004.... .......XXX........ .......XXX........ .......XXX........ ..........17,435 ..........90,313 ........200,285 ........265,775 ........320,538 ........350,858 ........380,213 ............3,336 ............8,2106. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........24,237 ........131,480 ........233,035 ........302,554 ........349,299 ........382,247 ............3,588 ............4,8477. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........34,876 ........130,490 ........258,496 ........319,297 ........390,711 ............4,624 ............5,1578. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........34,983 ........137,752 ........245,157 ........321,532 ............4,105 ............5,6949. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........47,386 ........163,071 ........294,845 ............3,200 ............1,429

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........36,066 ........176,462 ............2,731 ...............82711. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........34,373 ...............853 ...............260

Page 53: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

62

SCHEDULE P - PART 3I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE,EARTHQUAKE, BURGLARY AND THEFT)

Cumulative Paid Net Losses and Defense and Containment Expenses Reported at Year End ($000 omitted) 11 121 2 3 4 5 6 7 8 9 10 Number of Number of

Years in Claims ClaimsWhich Closed Closed

Losses Were With Loss Without LossIncurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Payment Payment

1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........000........ ........509,446 ........634,721 .......XXX........ .......XXX........2. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........465,967 ........708,095 .......XXX........ .......XXX........3. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........543,930 .......XXX........ .......XXX........

SCHEDULE P - PART 3J - AUTO PHYSICAL DAMAGE1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........000........ ..........34,557 ..........32,422 ...................0 ...................02. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........947,313 ........981,527 ........514,817 ........116,4663. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........992,960 ........437,065 ..........90,045

SCHEDULE P - PART 3K - FIDELITY/SURETY1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........000........ ..........81,273 ........120,524 .......XXX........ .......XXX........2. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........60,206 ........207,035 .......XXX........ .......XXX........3. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........36,428 .......XXX........ .......XXX........

SCHEDULE P - PART 3L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........000........ ............1,376 ............2,064 .......XXX........ .......XXX........2. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................10 .................10 .......XXX........ .......XXX........3. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............442 .......XXX........ .......XXX........

SCHEDULE P - PART 3M - INTERNATIONAL1. Prior..... ........000........ ............3,738 ............6,867 ............9,884 ..........13,005 ..........15,744 ..........17,532 ..........18,305 ..........18,836 ..........19,294 .......XXX........ .......XXX........2. 2001.... ...............158 ..........37,318 ..........38,893 ..........39,686 ..........39,907 ..........40,184 ..........40,188 ..........40,300 ..........40,412 ..........40,412 .......XXX........ .......XXX........3. 2002.... .......XXX........ ...............115 ...............135 ...............469 ...............469 ...............469 ...............469 ...............469 ...............469 ...............469 .......XXX........ .......XXX........4. 2003.... .......XXX........ .......XXX........ ..........18,567 ..........93,979 ........121,126 ........121,190 ........121,190 ........121,190 ........121,190 ........121,190 .......XXX........ .......XXX........5. 2004.... .......XXX........ .......XXX........ .......XXX........ ............2,666 ..........36,102 ..........51,916 ........142,191 ........142,191 ........142,191 ........142,191 .......XXX........ .......XXX........6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............9,000 ............9,000 ............6,335 ............6,335 ............6,335 ............6,335 .......XXX........ .......XXX........7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................(0) ...................0 ...................0 ...................0 ...................0 .......XXX........ .......XXX........8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................4 ............2,941 ............6,988 ............6,988 .......XXX........ .......XXX........9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............3,836 ............3,945 ............5,319 .......XXX........ .......XXX........

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...............105 .......XXX........ .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .......XXX........ .......XXX........

Page 54: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

63

SCHEDULE P - PART 3N - REINSURANCENONPROPORTIONAL ASSUMED PROPERTY

Cumulative Paid Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) 11 121 2 3 4 5 6 7 8 9 10 Number of Number of

Years in Claims ClaimsWhich Closed Closed

Losses Were With Loss Without LossIncurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Payment Payment

1. Prior..... .......000......... ..........59,003 ........110,534 ........137,090 ........149,049 ........161,217 ........208,235 ........220,025 ........240,347 ........243,011 .......XXX........ .......XXX........2. 2001.... ..........71,548 ........298,731 ........503,412 ........573,702 ........615,963 ........625,857 ........648,035 ........651,447 ........655,323 ........658,623 .......XXX........ .......XXX........3. 2002.... .......XXX........ ..........20,561 ..........41,069 ..........51,994 ..........49,640 ..........52,826 ..........54,303 ..........55,737 ..........81,358 ..........83,715 .......XXX........ .......XXX........4. 2003.... .......XXX........ .......XXX........ ............2,471 ............8,155 ............9,753 ............9,616 ..........10,513 ..........12,095 ..........14,385 ..........17,279 .......XXX........ .......XXX........5. 2004.... .......XXX........ .......XXX........ .......XXX........ ...............718 ............2,994 ............3,042 ............3,313 ............3,562 ............3,568 ............3,581 .......XXX........ .......XXX........6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............1,157 ............3,301 ............2,094 ............2,046 ............2,046 ............2,046 .......XXX........ .......XXX........7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............419 ..........(2,327) ..........(3,586) ..........(3,586) ..........(3,610) .......XXX........ .......XXX........8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...............(93) .............(419) .......XXX........ .......XXX........9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........(1,534) ..........(2,099) ..........(3,221) .......XXX........ .......XXX........

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 .......XXX........ .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .......XXX........ .......XXX........

SCHEDULE P - PART 3O - REINSURANCENONPROPORTIONAL ASSUMED LIABILITY

1. Prior..... .......000......... ........308,899 ........536,371 ........726,981 .....1,013,620 .....1,205,498 .....1,402,734 .....1,780,471 .....1,821,177 .....1,879,271 .......XXX........ .......XXX........2. 2001.... ............4,261 ..........46,395 ..........85,841 ........101,596 ........144,953 ........178,777 ........222,129 ........239,215 ........270,926 ........307,798 .......XXX........ .......XXX........3. 2002.... .......XXX........ ..........(1,876) ..........18,038 ..........35,243 ..........54,691 ..........95,334 ........116,221 ........160,439 ........130,513 ........134,605 .......XXX........ .......XXX........4. 2003.... .......XXX........ .......XXX........ ...............985 ............5,561 ..........19,653 ..........30,002 ..........41,319 ..........62,054 ..........70,636 ..........82,435 .......XXX........ .......XXX........5. 2004.... .......XXX........ .......XXX........ .......XXX........ ...............120 ...............368 ............2,187 ............6,555 ............7,666 ............9,596 ..........12,410 .......XXX........ .......XXX........6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................10 .................93 ............1,507 ............1,969 ............2,077 ............2,197 .......XXX........ .......XXX........7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............151 ...............151 ...............151 ...............920 ...............470 .......XXX........ .......XXX........8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ..........(1,810) .......XXX........ .......XXX........9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 .................(0) .......XXX........ .......XXX........

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............553 ...............553 .......XXX........ .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .......XXX........ .......XXX........

SCHEDULE P - PART 3P - REINSURANCENONPROPORTIONAL ASSUMED FINANCIAL LINES

1. Prior..... .......000......... ............5,050 ............3,951 ............3,766 ............4,168 ............4,076 ............3,825 ............4,857 ............5,510 ............5,694 .......XXX........ .......XXX........2. 2001.... ............3,961 ..........12,065 ..........29,754 ..........43,929 ..........45,429 ..........44,793 ..........44,858 ..........45,007 ..........44,382 ..........44,383 .......XXX........ .......XXX........3. 2002.... .......XXX........ ............3,520 ............8,994 ............8,720 ............9,612 ............9,782 ............9,999 ..........11,407 ..........11,520 ..........11,520 .......XXX........ .......XXX........4. 2003.... .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...............180 .................67 ...............514 ...............741 ...............742 .......XXX........ .......XXX........5. 2004.... .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...............219 ...............641 ...............530 ............1,138 .......XXX........ .......XXX........6. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...............601 ............1,279 ............1,703 ............1,759 .......XXX........ .......XXX........7. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0 .......XXX........ .......XXX........8. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 .......XXX........ .......XXX........9. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 .......XXX........ .......XXX........

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 .......XXX........ .......XXX........11. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .......XXX........ .......XXX........

Page 55: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

64

SCHEDULE P - PART 3R-SECTION 1 - PRODUCTS LIABILITY - OCCURRENCECumulative Paid Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) 11 12

1 2 3 4 5 6 7 8 9 10 Number of Number ofYears in Claims ClaimsWhich Closed Closed

Losses Were With Loss Without LossIncurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Payment Payment

1. Prior..... ........000........ ........490,011 .....1,219,335 .....1,394,989 .....1,564,777 .....1,706,344 .....1,952,375 .....2,079,570 .....2,240,401 .....2,365,746 ...................0 ...................02. 2001.... ............5,011 ..........21,191 ..........48,840 ..........73,120 ........103,543 ........126,198 ........155,471 ........173,348 ........190,863 ........208,151 ............4,935 ............9,9263. 2002.... .......XXX........ ............7,360 ..........26,170 ..........52,027 ..........95,620 ........152,120 ........198,957 ........210,822 ........231,630 ........252,922 ............4,508 ............7,9154. 2003.... .......XXX........ .......XXX........ ............4,906 ..........21,477 ..........69,276 ........105,061 ........146,057 ........176,278 ........196,108 ........218,201 ............4,542 ............9,1715. 2004.... .......XXX........ .......XXX........ .......XXX........ ............3,142 ..........17,857 ..........50,046 ..........90,706 ........120,426 ........144,454 ........161,817 ............3,674 ............6,9726. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............4,335 ..........14,150 ..........26,579 ..........48,733 ..........63,705 ..........84,145 ............1,957 ............2,7357. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............3,184 ..........12,659 ..........30,564 ..........59,603 ..........79,424 ............1,258 ............2,0728. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............3,011 ..........16,731 ..........54,807 ..........80,300 ............1,113 ............1,9849. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............3,197 ..........16,654 ..........39,171 ...............948 ............1,818

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............6,659 ..........18,844 ............1,005 ............1,86211. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............5,056 ...............888 ............1,256

SCHEDULE P - PART 3R-SECTION 2 - PRODUCTS LIABILITY- CLAIMS-MADE1. Prior..... ........000........ ............8,642 ..........20,970 ..........36,938 ..........47,705 ..........52,225 ..........57,053 ..........60,504 ..........60,689 ..........60,807 ...................0 ...................02. 2001.... .................97 ............1,573 ............6,885 ..........12,372 ..........14,753 ..........15,731 ..........16,265 ..........16,324 ..........16,344 ..........16,345 .................32 .................513. 2002.... .......XXX........ .................20 ............1,509 ............2,516 ............5,051 ............4,776 ............5,383 ............5,276 ............7,971 ............7,931 .................24 .................474. 2003.... .......XXX........ .......XXX........ ...............146 .............(759) ............3,205 ...............864 .................16 ............1,858 ............2,316 ............2,582 .................29 .................925. 2004.... .......XXX........ .......XXX........ .......XXX........ .................31 .................16 ..........(2,725) ..........(4,895) ..........(6,875) ...............190 ............5,143 .................22 .................426. 2005.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................41 ...............409 ............6,828 ............6,879 ............6,879 ............6,879 .................18 .................157. 2006.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................25 ...............360 ...............586 ...............617 ...............617 ...................4 .................148. 2007.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............919 ............2,510 ............2,597 ............2,740 .................13 .................169. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................34 ...............874 ............2,350 ...................4 .................27

10. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............410 ............1,744 ...................2 .................2111. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............401 ...................3 .................18

SCHEDULE P - PART 3S - FINANCIAL GUARANTY/MORTGAGE GUARANTY1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........000........ .................(0) .................(0) .......XXX........ .......XXX........2. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 .......XXX........ .......XXX........3. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .......XXX........ .......XXX........

SCHEDULE P - PART 3T - WARRANTY1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........000........ ...................0 .................(1) ...................0 ...................02. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................03. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0

Page 56: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

65

SCHEDULE P - PART 4A - HOMEOWNERS/FARMOWNERSBulk and IBNR Reserves on Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)

1 2 3 4 5 6 7 8 9 10Years in Which Losses Were

Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 20101. Prior............... ............117,827 ..............70,276 ..............42,368 ..............15,689 ..............16,557 ................9,137 ................3,574 ................1,707 ...................747 ..............(1,229)2. 2001............. ............205,262 ..............76,296 ..............31,054 ..............12,913 ................4,218 ................2,181 ...................570 ...................218 ...................704 ................1,1113. 2002............. ........XXX........... ............303,481 ..............52,453 ..............12,836 ................7,552 ................4,515 ................1,511 ................2,631 ...................267 ................1,3114. 2003............. ........XXX........... ........XXX........... ............331,918 ..............32,178 ..............25,664 ................6,633 ................4,009 ................1,645 ................1,775 ...................7045. 2004............. ........XXX........... ........XXX........... ........XXX........... ............287,932 ..............44,424 ..............18,296 ................8,414 ................9,108 ................1,540 ...................8486. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............544,663 ............191,348 ............202,707 ............126,066 ..............46,357 ..............27,2437. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............205,365 ..............33,628 ................2,744 ................2,555 ...................5578. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............223,453 ..............53,397 ................3,571 ...................6049. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............349,629 ..............82,667 ..............31,271

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............259,092 ..............46,10611. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............400,709

SCHEDULE P - PART 4B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL1. Prior............... ............337,424 ............136,348 ..............82,448 ..............80,930 ............192,911 ............180,478 ............157,847 ............168,803 ............166,036 ............172,6442. 2001............. ............539,529 ............237,516 ..............66,136 ..............22,695 ................7,793 ................7,171 ..............11,468 ................9,655 ................4,437 ................5,6923. 2002............. ........XXX........... ............583,394 ............258,634 ............106,572 ..............18,144 ..............11,713 ..............15,594 ..............13,023 ................5,140 ................7,0534. 2003............. ........XXX........... ........XXX........... ............634,406 ............261,133 ..............71,489 ..............19,097 ..............18,449 ..............10,831 ................7,067 ................7,5635. 2004............. ........XXX........... ........XXX........... ........XXX........... ............634,359 ............205,763 ..............67,150 ..............40,102 ..............26,708 ................9,091 ................9,2546. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............560,397 ............231,070 ..............83,052 ..............35,075 ..............14,156 ..............13,6717. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............514,231 ............178,921 ..............52,067 ..............21,631 ................7,8138. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............452,184 ............152,363 ..............68,495 ..............17,5269. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............460,221 ............180,611 ..............56,217

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............458,816 ............174,93311. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............415,184

SCHEDULE P - PART 4C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL1. Prior............... ............356,587 ............122,804 ............176,684 ............110,598 ............108,387 ..............76,604 ..............39,426 ..............50,919 ..............32,543 ..............27,4212. 2001............. ............490,941 ............197,536 ............147,648 ..............91,271 ..............76,757 ..............63,329 ..............30,907 ..............30,460 ..............29,444 ..............17,2743. 2002............. ........XXX........... ............579,479 ............274,740 ............183,823 ............114,990 ..............84,092 ..............46,170 ..............41,828 ..............37,514 ..............13,2094. 2003............. ........XXX........... ........XXX........... ............629,158 ............331,555 ............183,619 ............115,968 ..............71,946 ..............44,570 ..............37,502 ..............16,4705. 2004............. ........XXX........... ........XXX........... ........XXX........... ............650,320 ............288,773 ............147,696 ..............75,183 ..............44,039 ..............51,500 ..............27,8886. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............528,872 ............282,177 ............145,804 ..............56,938 ..............51,247 ..............29,5677. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............458,340 ............237,558 ............116,401 ..............64,546 ..............43,1488. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............477,552 ............247,771 ..............76,403 ..............69,6679. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............436,037 ............148,373 ..............91,644

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............455,976 ............179,90811. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............366,635

SCHEDULE P - PART 4D - WORKERS' COMPENSATION1. Prior............... .........3,524,135 .........2,772,383 .........2,332,443 .........2,062,651 .........1,778,267 .........1,616,426 .........1,573,504 .........1,680,184 .........1,661,375 .........1,667,3462. 2001............. ............903,984 ............554,944 ............426,857 ............327,260 ............238,813 ............229,847 ............249,615 ............256,962 ............287,121 ............227,6573. 2002............. ........XXX........... ............790,517 ............452,833 ............417,015 ............385,085 ............308,002 ............306,862 ............269,306 ............259,585 ............197,2654. 2003............. ........XXX........... ........XXX........... .........1,028,508 ............574,542 ............502,053 ............406,704 ............397,767 ............372,534 ............328,686 ............263,8175. 2004............. ........XXX........... ........XXX........... ........XXX........... .........1,244,252 ............894,901 ............595,755 ............463,466 ............396,373 ............325,335 ............253,7516. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... .........1,119,648 ............803,743 ............643,650 ............493,220 ............433,310 ............358,1087. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .........1,062,796 ............775,035 ............580,848 ............505,908 ............414,9908. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .........1,024,306 ............769,382 ............671,471 ............534,4539. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .........1,040,735 ............795,065 ............649,229

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .........1,166,693 ............800,71511. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .........1,135,161

SCHEDULE P - PART 4E - COMMERCIAL MULTIPLE PERIL1. Prior............... .........1,181,637 ............810,491 ............619,459 ............418,043 ............420,850 ............537,792 ............442,315 ............429,484 ............394,674 ............341,3422. 2001............. ............668,685 ............390,532 ............281,047 ............183,293 ..............94,577 ..............72,119 ..............60,037 ..............60,662 ..............38,324 ..............35,0383. 2002............. ........XXX........... ............672,845 ............404,007 ............229,760 ............133,803 ............102,123 ..............65,064 ..............54,642 ..............45,734 ..............36,1104. 2003............. ........XXX........... ........XXX........... ............728,814 ............433,233 ............273,877 ............150,506 ............139,433 ..............86,478 ..............66,744 ..............54,5895. 2004............. ........XXX........... ........XXX........... ........XXX........... ............796,115 ............457,405 ............338,124 ............208,378 ..............77,205 ..............45,169 ..............35,0796. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............790,207 ............475,725 ............347,661 ..............49,440 ..............56,256 ..............20,2537. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............700,762 ............431,096 ............209,641 ..............84,798 ..............51,2398. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............551,713 ............312,575 ............142,804 ............120,2289. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............704,334 ............256,218 ............162,228

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............471,768 ............256,98411. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............493,591

Page 57: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

66

SCHEDULE P - PART 4F - SECTION 1 - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCEBulk and IBNR Reserves on Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)

1 2 3 4 5 6 7 8 9 10Years in Which Losses Were

Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 20101. Prior............... ............116,844 ............(10,147) ..............90,260 ..............66,858 ............(10,465) ................3,156 ................5,455 ..............11,324 ..............12,521 ................3,3902. 2001............. ..............66,156 ..............11,772 ..............27,227 ..............13,229 ............(12,367) ..............(6,413) ..............(3,313) ..............(1,008) ...................(38) ...................4043. 2002............. ........XXX........... ............117,922 ..............74,051 ..............25,518 ............(29,673) ............(16,354) ..............(7,299) ...................423 ................2,849 ...................7604. 2003............. ........XXX........... ........XXX........... ..............26,069 ..............21,905 ..............20,247 ................6,035 ................4,147 ................5,249 ................5,622 ................2,4115. 2004............. ........XXX........... ........XXX........... ........XXX........... ................4,425 ................3,122 ................3,225 ................3,079 ................2,859 ................2,855 ...................6816. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................144 ...................453 ...................580 ...................576 ...................582 ...................3377. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................259 ...................160 ................1,009 ...................992 .....................248. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .....................(5) .......................4 .......................3 .......................69. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................(12) ...................(12) .....................(2)

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .....................(5) .....................(3)11. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .....................(9)

SCHEDULE P - PART 4F - SECTION 2 - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADE1. Prior............... ..............75,925 ..........(108,068) ............181,188 ..............69,729 ............(38,529) ............(14,797) ................6,568 ..............16,098 ..............25,117 ..............20,5102. 2001............. ..............94,067 ..............16,538 ..............64,963 ..............37,935 ............(13,087) .....................30 ..............14,653 ................4,635 ..............11,618 ..............12,0613. 2002............. ........XXX........... ..............39,501 ..............33,422 ..............16,456 ............(25,326) ..............(9,175) ..............(3,151) ................3,314 ................4,132 ................5,0764. 2003............. ........XXX........... ........XXX........... ..............19,477 ................3,477 ................8,997 ...................773 ................1,407 ................1,083 ................1,509 ................1,1125. 2004............. ........XXX........... ........XXX........... ........XXX........... ................4,260 ................6,847 ................2,889 ................3,208 ................3,434 ................3,591 ................3,6466. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................2,176 ................1,157 ...................573 ...................965 ...................757 ...................8687. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................586 ...................183 .....................82 .....................82 ...................(33)8. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................273 ..............(1,227) ..............(1,227) ...................2739. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .................(426) .....................74 ...................102

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................(11) .......................011. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .....................(1)

SCHEDULE P - PART 4G - SPECIAL LIABILITY (OCEAN MARINE,AIRCRAFT (ALL PERILS), BOILER AND MACHINERY)

1. Prior............... ..............42,941 ..............23,109 ..............25,233 ..............18,018 ..............13,106 ..............10,990 ..............17,120 ..............21,175 ..............22,813 ..............14,8322. 2001............. ..............45,188 ..............21,910 ................9,125 ..............34,497 ..............36,418 ................9,670 ..............10,615 ................6,213 ................9,537 ................3,5903. 2002............. ........XXX........... ..............69,850 ..............26,449 ................8,063 ...................555 ..............(2,428) ................5,733 ................2,923 ................5,611 ................1,7344. 2003............. ........XXX........... ........XXX........... ..............85,938 ..............15,396 ................3,636 ................1,737 ................7,752 ..............11,652 ................4,126 ................2,6675. 2004............. ........XXX........... ........XXX........... ........XXX........... ............103,819 ................5,881 ................1,737 ................8,106 ................3,413 ...................986 ................1,8366. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............104,241 ..............17,142 ..............20,770 ................9,853 ..............(5,656) ...................2557. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............65,383 ..............16,974 ...................826 ................1,960 ................1,2668. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............89,045 ..............21,031 ................2,531 ...................2999. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............70,776 ..............10,053 ..............11,734

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............68,960 ..............22,79011. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............59,322

SCHEDULE P - PART 4H - SECTION 1 - OTHER LIABILITY - OCCURRENCE1. Prior............... .........2,706,288 .........2,950,993 .........2,382,101 .........2,784,696 .........2,951,735 .........3,241,502 .........3,230,957 .........2,564,627 .........2,366,247 .........1,888,5842. 2001............. ............584,651 ............389,009 ............355,725 ............332,307 ............285,661 ............261,433 ............227,427 ............134,015 ..............97,890 ..............73,0913. 2002............. ........XXX........... ............731,587 ............460,486 ............383,418 ............333,297 ............311,738 ............272,333 ............206,756 ............138,729 ..............91,2724. 2003............. ........XXX........... ........XXX........... ............832,872 ............543,576 ............460,769 ............384,942 ............305,216 ............230,403 ............140,935 ............114,2285. 2004............. ........XXX........... ........XXX........... ........XXX........... ............931,000 ............728,431 ............575,824 ............407,814 ............252,454 ............199,081 ............133,0616. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... .........1,019,363 ............827,801 ............684,104 ............388,728 ............298,003 ............201,3867. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .........1,026,868 ............916,451 ............608,940 ............446,691 ............308,0338. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............944,905 ............807,645 ............556,128 ............443,7279. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............930,119 ............738,076 ............602,267

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............886,044 ............716,24111. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............842,196

SCHEDULE P - PART 4H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE1. Prior............... ............305,563 ............191,331 ............149,194 ............166,655 ............145,029 ............154,374 ............156,666 ............163,066 ............110,155 ............130,8552. 2001............. ............245,361 ..............87,578 ..............91,009 ..............72,550 ..............65,076 ..............61,038 ..............50,188 ..............67,728 ..............55,087 ..............50,7243. 2002............. ........XXX........... ............304,405 ............123,797 ............193,924 ............156,240 ............138,443 ............107,547 ..............56,654 ..............51,969 ..............51,5624. 2003............. ........XXX........... ........XXX........... ............422,294 ............240,583 ............159,766 ............132,644 ..............75,927 ..............76,874 ..............34,151 ..............40,8635. 2004............. ........XXX........... ........XXX........... ........XXX........... ............560,510 ............348,773 ............203,655 ............182,294 ..............88,256 ..............45,560 ..............36,5306. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............505,492 ............315,118 ............230,840 ............180,548 ..............84,407 ..............43,0567. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............487,528 ............386,964 ............330,527 ............210,175 ............171,0978. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............498,105 ............358,419 ............339,294 ............225,3949. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............510,244 ............546,857 ............371,720

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............498,334 ............316,04111. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............496,931

Page 58: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

67

SCHEDULE P - PART 4I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE,EARTHQUAKE, BURGLARY AND THEFT)

Bulk and IBNR Reserves on Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)Years in Which 1 2 3 4 5 6 7 8 9 10 Losses Were

Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 20101. Prior............... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............409,302 ............206,309 ..............91,4722. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............189,730 ..............43,2343. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............135,034

SCHEDULE P - PART 4J - AUTO PHYSICAL DAMAGE1. Prior............... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............84,215 ..............67,149 ..............34,6902. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............12,106 ..............19,6833. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............(3,116)

SCHEDULE P - PART 4K - FIDELITY/SURETY1. Prior............... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............781,455 ............709,178 ............644,9982. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............174,768 ............105,9563. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............240,293

SCHEDULE P - PART 4L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)1. Prior............... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............13,713 ..............15,472 ..............12,6772. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................366 ...................1703. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................615

SCHEDULE P - PART 4M - INTERNATIONAL1. Prior............... ................9,805 ................8,410 ................9,076 ................8,923 ................1,231 ................1,759 ................1,432 ................1,457 ................1,204 ...................9212. 2001............. ..............53,590 ..............16,406 ..............17,353 ..............20,993 .......................9 ...................122 .....................88 .....................80 ...................873 ...................8573. 2002............. ........XXX........... ................4,826 ................7,575 .......................2 ...................(90) .......................2 .......................2 .......................2 .......................2 .......................24. 2003............. ........XXX........... ........XXX........... ..............71,795 .....................23 ..............(7,077) .....................23 .....................23 .....................23 .....................23 .....................235. 2004............. ........XXX........... ........XXX........... ........XXX........... ............155,451 ............113,015 ..............69,218 .......................0 .......................0 .......................0 .......................06. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............(6,035) ...................142 ...................142 ...................142 .......................2 .......................27. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................963 ...................964 ...................964 .......................0 .......................08. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................4,609 ................1,657 ................1,038 .......................09. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................1,690 ................1,152 .......................0

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................583 ...................19911. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................2,995

Page 59: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

68

SCHEDULE P - PART 4N - REINSURANCENONPROPORTIONAL ASSUMED PROPERTY

Bulk and IBNR Reserves on Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)1 2 3 4 5 6 7 8 9 10

Years in Which Losses Were

Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 20101. Prior............... ..............80,393 ............(14,327) ..............43,001 ..............32,529 ..............42,288 ..............38,873 ................5,359 ..............14,740 ................6,968 ................6,3792. 2001............. ............681,244 ............386,689 ............207,750 ..............70,777 ..............54,524 ..............51,058 ................3,575 ..............24,750 ................7,513 ................1,7323. 2002............. ........XXX........... ............214,899 ..............67,473 ..............11,848 ..............21,067 ..............19,713 ................5,003 ................5,414 ................3,781 ................1,1554. 2003............. ........XXX........... ........XXX........... ..............48,443 ................9,178 ................5,323 ................6,115 ...................885 .................(521) ...................601 ...................4185. 2004............. ........XXX........... ........XXX........... ........XXX........... ..............33,700 ..............21,036 ................1,918 ................1,938 ................1,895 ...................126 ...................2706. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................5,537 ................1,394 ...................338 .................(700) ...................232 ...................(32)7. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................7,909 ................5,344 ................4,229 ...................177 .....................208. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............19,482 ................8,409 .....................60 ...................(19)9. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................6,522 .....................68 ..............(1,787)

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................4 .......................411. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................1

SCHEDULE P - PART 4O - REINSURANCENONPROPORTIONAL ASSUMED LIABILITY

1. Prior............... ............782,174 ............634,694 ............414,510 ............706,287 ............832,876 ............743,959 ............808,794 ............485,323 ............421,189 ............350,1692. 2001............. ............213,976 ............175,595 ..............19,816 ..............20,574 ............(96,293) ................6,539 ..............13,057 ..............33,071 ..............34,379 ..............36,9083. 2002............. ........XXX........... ............296,793 ..............59,543 ..............11,404 ..............75,444 ..............10,967 ................3,293 ..............16,517 ..............41,861 ..............10,6524. 2003............. ........XXX........... ........XXX........... ..............16,799 ..............14,548 ..............11,362 ..............10,544 ................1,808 ................1,270 ................2,028 ................2,2595. 2004............. ........XXX........... ........XXX........... ........XXX........... ..............24,972 ..............22,712 ..............15,403 ..............14,510 ..............28,650 ..............26,983 ..............27,0456. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............31,723 ..............22,850 ..............27,224 ..............10,828 ................5,174 ................5,2067. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............32,783 ..............26,491 ................1,215 ...................967 ...................6578. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............26,913 ................2,120 ................1,258 ................1,2809. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............20,312 ..............17,027 ..............18,520

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............13,742 ..............13,92111. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............12,553

SCHEDULE P - PART 4P - REINSURANCENONPROPORTIONAL ASSUMED FINANCIAL LINES

1. Prior............... ..............24,791 ............(15,394) ................5,224 ................2,836 ..............12,815 ..............12,738 ..............10,844 ..............12,743 ................7,771 ................4,6522. 2001............. ..............47,085 ................7,062 ................8,394 ................3,890 ................4,322 ................5,335 ................5,680 ................5,879 ................4,854 ................4,0233. 2002............. ........XXX........... ..............16,769 ................1,922 ................1,188 ................4,843 ................2,984 ................2,654 ................2,064 ................3,441 ................3,4414. 2003............. ........XXX........... ........XXX........... ...................814 ................1,114 ...................574 ...................576 ...................183 ...................568 ...................746 ...................7785. 2004............. ........XXX........... ........XXX........... ........XXX........... ...................839 ...................259 ...................283 ...................343 ...................824 ...................473 .....................326. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................2,421 ................2,417 ................1,275 ................1,399 ...................484 .....................877. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................791 ...................791 ...................791 ...................291 .......................08. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................2,234 ...................934 ...................912 ...................9129. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................1,303 ...................889 ...................889

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................1,841 ................1,84111. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................1,461

Page 60: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

69

SCHEDULE P - PART 4R-SECTION 1 - PRODUCTS LIABILITY - OCCURRENCEBulk and IBNR Reserves on Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)

1 2 3 4 5 6 7 8 9 10Years in Which Losses Were

Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 20101. Prior............... .........1,013,457 .........2,056,599 .........1,852,325 .........2,147,450 .........2,050,181 .........1,445,547 .........1,258,967 .........1,251,757 .........1,156,350 .........1,301,3682. 2001............. ............161,931 ..............98,082 ..............50,240 ..............39,880 ..............55,682 ..............41,510 ..............17,160 ..............54,685 ..............36,386 ..............26,3193. 2002............. ........XXX........... ............183,859 ..............86,662 ..............94,135 ..............59,987 ..............45,921 ..............35,253 ............103,557 ..............87,513 ..............65,5534. 2003............. ........XXX........... ........XXX........... ............202,609 ............122,836 ..............91,661 ..............47,921 ..............38,045 ............113,122 ..............82,200 ..............61,9765. 2004............. ........XXX........... ........XXX........... ........XXX........... ............312,586 ............238,607 ............141,404 ..............86,181 ............105,154 ..............60,319 ..............54,6236. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............164,751 ............126,240 ..............70,931 ..............88,165 ..............65,652 ..............51,2137. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............90,846 ..............53,868 ..............74,557 ..............48,698 ..............20,5118. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............78,059 ..............37,645 ..............27,267 ..............27,0579. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............77,232 ..............72,908 ..............32,450

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............69,199 ..............45,21011. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............59,840

SCHEDULE P - PART 4R-SECTION 2 - PRODUCTS LIABILITY - CLAIMS-MADE1. Prior............... ..............46,530 ..............35,931 ..............37,670 ..............19,868 ..............21,038 ..............20,614 ..............21,835 ..............17,894 ..............14,746 ..............12,1332. 2001............. ................9,852 ................5,527 ................5,444 ................4,288 ................2,212 ...................312 ................1,577 ................4,059 ................2,294 ................1,9803. 2002............. ........XXX........... ..............11,101 ................5,248 ................5,612 ................5,164 ................4,997 ................2,875 ................1,408 ................3,105 ................2,5294. 2003............. ........XXX........... ........XXX........... ..............10,011 ................9,701 ................9,829 ................9,903 ................6,023 ................6,877 ................1,096 ...................8705. 2004............. ........XXX........... ........XXX........... ........XXX........... ..............17,187 ................7,777 ................7,487 ................4,767 ................5,258 ................2,613 ................1,9116. 2005............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................8,156 ................2,893 ................6,698 ................6,247 ................4,526 ...................9447. 2006............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................7,432 ................7,282 ................3,644 ................4,734 ................2,3178. 2007............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................6,093 ................9,468 ................8,052 ................7,9629. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................4,776 ................8,230 ................6,425

10. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................5,690 ................5,21511. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................5,291

SCHEDULE P - PART 4S - FINANCIAL GUARANTY/MORTGAGE GUARANTY1. Prior............... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................7 .......................7 .......................02. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................0 .......................03. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................0

SCHEDULE P - PART 4T - WARRANTY1. Prior............... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................0 .......................0 .......................02. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................0 .......................03. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................0

Page 61: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

70

SCHEDULE P - PART 5A - HOMEOWNERS/FARMOWNERSSECTION 1

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............45,658 ..............9,292 ..............3,142 ..............1,404 .................688 .................355 .................244 .................145 .................115 ...................86

2. 2001................... ..........182,052 ..........213,748 ..........216,555 ..........217,545 ..........218,008 ..........218,219 ..........218,319 ..........218,420 ..........218,446 ..........218,469

3. 2002................... ........XXX......... ..........133,519 ..........160,326 ..........162,290 ..........163,034 ..........163,372 ..........163,532 ..........163,709 ..........163,748 ..........163,762

4. 2003................... ........XXX......... ........XXX......... ..........149,299 ..........172,495 ..........174,534 ..........175,250 ..........175,573 ..........175,998 ..........176,073 ..........176,120

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ..........128,905 ..........154,500 ..........156,761 ..........157,484 ..........158,204 ..........158,374 ..........158,467

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........122,681 ..........147,876 ..........149,619 ..........150,769 ..........151,286 ..........151,413

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........130,367 ..........150,456 ..........152,862 ..........153,512 ..........153,877

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........116,083 ..........136,858 ..........138,860 ..........140,133

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........172,925 ..........208,503 ..........211,604

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........174,066 ..........210,292

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........198,262

SECTION 2Number of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............13,090 ..............5,175 ..............2,950 ..............1,801 .................995 .................715 .................472 .................328 .................233 .................185

2. 2001................... ............18,562 ..............4,080 ..............1,813 .................933 .................525 .................293 .................182 ...................88 ...................61 ...................41

3. 2002................... ........XXX......... ............16,373 ..............4,303 ..............2,719 ..............2,070 ..............1,749 .................341 .................166 .................124 .................110

4. 2003................... ........XXX......... ........XXX......... ............15,971 ..............3,118 ..............1,527 .................916 .................627 .................216 .................139 ...................97

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ............17,996 ..............4,046 ..............1,613 ..............1,050 .................383 .................216 .................135

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............20,414 ..............3,232 ..............2,206 ..............1,241 .................804 .................733

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............10,889 ..............2,580 ..............1,056 .................619 .................333

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............12,137 ..............3,069 ..............1,809 .................704

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,985 ..............3,169 ..............1,358

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............16,186 ..............2,581

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,469

SECTION 3Cumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............31,946 ..............2,367 ..............1,338 .................466 ..................(18) .................133 ...................45 ...................32 ...................56 ...................91

2. 2001................... ..........235,490 ..........257,783 ..........258,575 ..........258,766 ..........258,876 ..........258,871 ..........258,879 ..........258,894 ..........258,899 ..........258,904

3. 2002................... ........XXX......... ..........174,450 ..........194,415 ..........195,037 ..........195,197 ..........195,227 ..........195,249 ..........195,261 ..........195,262 ..........195,267

4. 2003................... ........XXX......... ........XXX......... ..........190,140 ..........204,790 ..........205,427 ..........205,571 ..........205,613 ..........205,643 ..........205,655 ..........205,664

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ..........171,186 ..........187,990 ..........187,951 ..........188,160 ..........188,237 ..........188,264 ..........188,291

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........162,580 ..........173,735 ..........174,536 ..........174,769 ..........174,892 ..........174,975

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........156,121 ..........169,805 ..........170,823 ..........171,071 ..........171,195

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........140,008 ..........153,852 ..........154,765 ..........154,989

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........203,512 ..........230,974 ..........232,458

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........208,647 ..........234,619

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........229,899

Page 62: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

71

SCHEDULE P - PART 5B - PRIVATE PASSENGER AUTO LIABILITY/MEDICALSECTION 1

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ..........126,355 ............43,452 ............18,947 ............10,126 ..............4,456 ..............3,335 ..............2,137 ..............2,614 .................854 .................694

2. 2001................... ..........127,640 ..........202,694 ..........221,954 ..........230,530 ..........234,766 ..........236,734 ..........237,564 ..........238,902 ..........239,617 ..........240,160

3. 2002................... ........XXX......... ..........112,233 ..........183,510 ..........202,237 ..........210,521 ..........214,412 ..........216,107 ..........217,509 ..........218,329 ..........219,027

4. 2003................... ........XXX......... ........XXX......... ..........111,262 ..........181,494 ..........198,694 ..........205,884 ..........209,387 ..........211,334 ..........212,207 ..........213,053

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ..........122,949 ..........192,170 ..........207,200 ..........213,769 ..........217,010 ..........218,187 ..........219,108

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........129,615 ..........195,549 ..........209,382 ..........215,489 ..........217,788 ..........219,377

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........134,309 ..........204,327 ..........218,847 ..........224,571 ..........227,770

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........145,924 ..........221,183 ..........235,106 ..........241,840

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........149,351 ..........219,972 ..........234,282

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........147,109 ..........215,778

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........142,143

SECTION 2Number of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............90,068 ............45,780 ............28,489 ............17,908 ............12,300 ..............8,676 ..............6,285 ..............3,872 ..............2,781 ..............1,960

2. 2001................... ..........101,742 ............40,266 ............21,215 ............12,369 ..............7,966 ..............5,595 ..............4,630 ..............2,848 ..............1,857 ..............1,089

3. 2002................... ........XXX......... ............95,374 ............38,581 ............19,645 ............11,219 ..............6,999 ..............5,174 ..............3,436 ..............2,327 ..............1,365

4. 2003................... ........XXX......... ........XXX......... ............94,496 ............34,419 ............16,968 ..............9,687 ..............6,061 ..............3,810 ..............2,743 ..............1,596

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ............85,018 ............28,177 ............13,535 ..............7,129 ..............3,716 ..............2,423 ..............1,395

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............75,666 ............25,095 ............11,848 ..............5,813 ..............3,355 ..............1,778

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............81,623 ............25,525 ............11,593 ..............6,198 ..............3,156

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............90,265 ............25,968 ............13,246 ..............6,547

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............86,388 ............27,016 ............12,644

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............91,880 ............25,710

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............83,815

SECTION 3Cumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............56,941 ..............7,710 ..............4,885 ..............1,267 ................(444) .................501 .................279 .................748 ...................49 .................133

2. 2001................... ..........277,305 ..........314,299 ..........318,202 ..........319,391 ..........319,880 ..........319,930 ..........319,974 ..........320,017 ..........320,021 ..........320,030

3. 2002................... ........XXX......... ..........257,386 ..........293,591 ..........296,987 ..........298,130 ..........298,449 ..........298,604 ..........298,683 ..........298,697 ..........298,725

4. 2003................... ........XXX......... ........XXX......... ..........259,227 ..........291,101 ..........294,014 ..........295,067 ..........295,299 ..........295,419 ..........295,496 ..........295,560

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ..........260,664 ..........289,848 ..........292,356 ..........293,193 ..........293,455 ..........293,551 ..........293,674

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........255,708 ..........284,713 ..........286,946 ..........287,670 ..........287,820 ..........288,121

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........261,406 ..........290,335 ..........292,492 ..........293,523 ..........294,096

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........286,117 ..........316,094 ..........319,085 ..........320,034

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........287,610 ..........317,513 ..........319,312

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........288,829 ..........310,228

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........270,302

Page 63: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

72

SCHEDULE P - PART 5C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICALSECTION 1

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............43,761 ............12,683 ............10,750 ............11,276 ..............3,282 ..............2,008 .................609 .................947 .................417 ..............1,049

2. 2001................... ............70,075 ............96,198 ..........102,598 ..........110,653 ..........113,012 ..........113,812 ..........113,208 ..........113,571 ..........113,718 ..........113,782

3. 2002................... ........XXX......... ............61,526 ............85,879 ............96,706 ..........100,353 ..........101,788 ..........101,593 ..........101,899 ..........102,096 ..........102,159

4. 2003................... ........XXX......... ........XXX......... ............56,053 ............81,469 ............86,797 ............89,160 ............90,113 ............90,737 ............91,014 ............91,137

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ............55,198 ............74,167 ............78,204 ............80,415 ............81,644 ............82,075 ............82,306

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............44,973 ............60,824 ............64,923 ............66,999 ............67,937 ............68,340

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............37,386 ............53,340 ............57,297 ............59,037 ............60,002

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............38,023 ............56,549 ............60,075 ............61,868

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............41,969 ............56,463 ............59,641

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............32,714 ............46,679

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............33,932

SECTION 2Number of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............33,482 ............17,462 ..............9,757 ..............6,914 ..............4,764 ..............4,220 ..............3,155 ..............2,676 ..............2,497 ..............1,610

2. 2001................... ............27,225 ............10,191 ..............5,277 ..............2,918 ..............1,319 ..............1,007 .................571 .................356 .................240 .................182

3. 2002................... ........XXX......... ............23,166 ............10,407 ..............6,066 ..............2,703 ..............2,075 ..............1,014 .................640 .................445 .................361

4. 2003................... ........XXX......... ........XXX......... ............21,224 ............10,633 ..............4,454 ..............3,331 ..............1,571 .................827 .................465 .................280

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ............23,907 ..............7,206 ..............5,296 ..............2,720 ..............1,253 .................647 .................327

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............17,274 ..............9,478 ..............4,777 ..............2,443 ..............1,162 .................585

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............26,378 ..............8,968 ..............4,631 ..............2,435 ..............1,167

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............26,568 ..............8,947 ..............4,654 ..............2,351

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............26,009 ..............8,874 ..............4,718

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............26,253 ..............8,732

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............27,313

SECTION 3Cumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............51,130 ..............6,447 ..............7,572 ............11,832 ..............3,206 ..............2,113 ..................(93) .................900 ..............1,062 .................394

2. 2001................... ..........138,393 ..........161,877 ..........166,840 ..........174,969 ..........176,896 ..........177,786 ..........176,790 ..........177,094 ..........177,252 ..........177,382

3. 2002................... ........XXX......... ..........119,949 ..........145,405 ..........156,448 ..........158,065 ..........159,601 ..........158,594 ..........158,675 ..........158,821 ..........159,031

4. 2003................... ........XXX......... ........XXX......... ..........109,469 ..........139,090 ..........140,019 ..........142,303 ..........141,935 ..........142,076 ..........142,108 ..........142,103

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ..........112,603 ..........123,874 ..........128,281 ..........128,792 ..........128,965 ..........128,874 ..........128,852

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............91,879 ..........111,088 ..........112,195 ..........112,662 ..........112,548 ..........112,523

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............92,870 ..........100,934 ..........102,648 ..........102,694 ..........102,683

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............94,179 ..........107,024 ..........107,286 ..........107,275

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........102,198 ..........107,310 ..........107,263

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............86,972 ............90,908

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............90,484

Page 64: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

73

SCHEDULE P - PART 5D - WORKERS' COMPENSATIONSECTION 1

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............91,664 ............57,486 .............(8,522) ............10,977 ..............7,984 ............12,272 ............17,250 ..............9,082 ............17,691 ..............9,509

2. 2001................... ............92,119 ..........160,906 ..........159,642 ..........165,533 ..........168,795 ..........171,384 ..........172,690 ..........173,487 ..........176,274 ..........177,599

3. 2002................... ........XXX......... ............84,502 ..........134,878 ..........145,636 ..........150,619 ..........153,692 ..........155,090 ..........155,938 ..........157,543 ..........158,562

4. 2003................... ........XXX......... ........XXX......... ............75,800 ..........120,179 ..........128,664 ..........132,637 ..........134,672 ..........136,033 ..........136,943 ..........137,935

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ............74,017 ..........113,530 ..........120,843 ..........124,063 ..........126,061 ..........127,181 ..........128,519

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............62,747 ............97,571 ..........102,953 ..........105,604 ..........107,281 ..........108,791

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............55,725 ............85,117 ............89,803 ............92,101 ............93,978

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............53,633 ............86,856 ............91,846 ............94,735

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............62,428 ............96,282 ..........101,763

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............57,225 ............89,872

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............60,106

SECTION 2Number of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............88,781 ............69,486 ............54,533 ............49,377 ............44,687 ............37,826 ............33,344 ............30,347 ............27,822 ............24,738

2. 2001................... ............47,007 ............24,370 ............12,907 ..............8,870 ..............6,186 ..............4,423 ..............3,050 ..............2,616 ..............2,193 ..............2,053

3. 2002................... ........XXX......... ............46,902 ............19,464 ............11,734 ..............7,200 ..............4,616 ..............2,916 ..............2,400 ..............2,022 ..............1,818

4. 2003................... ........XXX......... ........XXX......... ............40,492 ............16,818 ..............9,613 ..............5,833 ..............3,701 ..............2,844 ..............2,238 ..............2,029

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ............38,938 ............15,277 ..............8,167 ..............4,805 ..............3,354 ..............2,562 ..............2,148

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............33,373 ............11,843 ..............6,113 ..............3,888 ..............2,912 ..............2,488

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............31,012 ..............9,357 ..............5,345 ..............3,532 ..............2,646

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............31,396 ............10,015 ..............5,806 ..............3,872

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............32,055 ............10,900 ..............6,419

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............31,679 ............11,418

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............35,752

SECTION 3Cumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............66,188 ............49,382 ...........(14,256) ..............8,985 ..............7,119 ..............9,889 ............14,487 ..............7,420 ............18,883 ..............9,356

2. 2001................... ..........172,999 ..........241,533 ..........233,605 ..........236,347 ..........237,727 ..........239,347 ..........239,595 ..........240,097 ..........242,588 ..........243,833

3. 2002................... ........XXX......... ..........164,032 ..........204,711 ..........209,369 ..........210,855 ..........213,757 ..........213,750 ..........214,182 ..........215,545 ..........216,399

4. 2003................... ........XXX......... ........XXX......... ..........148,966 ..........183,927 ..........186,965 ..........191,932 ..........192,213 ..........192,770 ..........193,220 ..........193,909

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ..........144,194 ..........173,359 ..........178,583 ..........178,911 ..........179,557 ..........179,985 ..........180,857

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........121,357 ..........147,684 ..........147,747 ..........148,326 ..........149,170 ..........150,344

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........111,630 ..........125,084 ..........125,957 ..........126,607 ..........127,689

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........104,203 ..........118,216 ..........119,229 ..........120,335

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........102,268 ..........116,846 ..........118,103

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............96,354 ..........110,634

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........104,337

Page 65: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

74

SCHEDULE P - PART 5E - COMMERCIAL MULTIPLE PERILSECTION 1

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............43,418 ............16,456 ............16,178 ............11,067 ..............7,305 ............11,994 ..............7,712 ..............3,431 ..............3,659 ..............4,103

2. 2001................... ............52,715 ............72,730 ............77,491 ............80,406 ............80,843 ............82,258 ............83,874 ............84,310 ............84,559 ............84,775

3. 2002................... ........XXX......... ............39,520 ............54,027 ............57,714 ............58,948 ............60,441 ............61,455 ............61,970 ............62,267 ............62,523

4. 2003................... ........XXX......... ........XXX......... ............33,844 ............47,436 ............50,228 ............52,383 ............53,822 ............54,663 ............55,113 ............55,352

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ............30,742 ............43,501 ............46,857 ............48,948 ............50,195 ............50,956 ............51,327

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............27,919 ............45,063 ............48,513 ............50,578 ............51,842 ............52,485

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............29,412 ............41,271 ............44,288 ............46,151 ............47,463

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............28,749 ............41,415 ............44,653 ............46,721

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............33,739 ............48,636 ............51,623

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............31,242 ............44,320

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............35,194

SECTION 2Number of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ..........144,619 ..........142,486 ..........239,389 ..........293,855 ..........289,411 ..........210,977 ..........176,385 ..........147,743 ..........127,919 ..........149,650

2. 2001................... ............25,691 ............12,950 ............18,493 ............42,349 ............41,581 ............17,374 ............10,181 ..............6,906 ..............2,048 ..............1,599

3. 2002................... ........XXX......... ............16,476 ..............9,444 ..............8,171 ..............7,747 ..............4,963 ..............2,974 ..............2,713 ..............2,193 ..............1,498

4. 2003................... ........XXX......... ........XXX......... ............15,944 ..............8,336 ..............7,150 ..............4,092 ..............2,897 ..............3,024 ..............2,628 ..............1,614

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ............15,171 ..............5,876 ..............6,575 ..............5,035 ..............4,116 ..............3,692 ..............3,385

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............19,606 ..............6,963 ..............3,755 ..............2,576 ..............1,974 ..............1,842

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............13,729 ..............5,370 ..............8,830 ..............8,178 ..............9,177

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............13,239 ..............6,799 ..............4,587 ..............2,911

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............15,933 ..............6,129 ..............4,093

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,153 ..............6,131

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,773

SECTION 3Cumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............66,466 ............30,025 ..........134,333 ..........104,768 ............73,110 ............40,120 ..............8,467 ..............4,478 ............33,596 ............39,060

2. 2001................... ..........117,932 ..........143,925 ..........169,599 ..........201,366 ..........211,283 ..........213,379 ..........214,647 ..........215,125 ..........215,368 ..........215,649

3. 2002................... ........XXX......... ............88,146 ..........112,797 ..........122,837 ..........127,059 ..........128,179 ..........128,581 ..........129,077 ..........129,384 ..........129,578

4. 2003................... ........XXX......... ........XXX......... ............76,832 ............92,788 ............97,737 ............99,740 ..........100,375 ..........101,587 ..........101,959 ..........102,136

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ............71,613 ............84,676 ............90,794 ............92,180 ............92,883 ............93,671 ............93,910

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............73,171 ............91,728 ............93,322 ............94,775 ............96,058 ............97,478

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............71,825 ............82,996 ............90,831 ............92,676 ............95,630

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............72,466 ............86,798 ............89,260 ............90,242

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............82,328 ............96,256 ............98,507

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............79,028 ............92,202

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............85,853

Page 66: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

75

SCHEDULE P - PART 5F - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCESECTION 1A

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... .................959 .................567 .................385 .................306 .................146 ...................87 .................319 .................237 .................160 ...................60

2. 2001................... ...................49 .................105 .................161 .................238 .................311 .................357 .................485 .................561 .................603 .................624

3. 2002................... ........XXX......... ...................22 .................108 .................211 .................332 .................360 .................456 .................510 .................531 .................545

4. 2003................... ........XXX......... ........XXX......... .....................8 ...................24 ...................48 ...................50 ...................52 ...................53 ...................55 ...................55

5. 2004................... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................2 .....................2 .....................4 .....................4 .....................5 .....................5

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................2 .....................2 .....................2 .....................2

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

SECTION 2ANumber of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ..............2,623 ..............2,020 ..............1,331 .................935 .................688 ..............1,254 .................710 .................449 .................204 .................139

2. 2001................... .................308 .................538 .................713 .................557 .................381 .................324 .................179 ...................92 ...................49 ...................31

3. 2002................... ........XXX......... .................455 ..............1,486 ..............1,186 .................778 .................196 .................109 ...................56 ...................35 ...................22

4. 2003................... ........XXX......... ........XXX......... .................292 .................160 .................118 .....................3 .....................2 .....................1 .....................0 .....................0

5. 2004................... ........XXX......... ........XXX......... ........XXX......... .....................4 .....................7 .....................2 .....................1 .....................1 .....................0 .....................0

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................1 .....................2 .....................1 .....................1 .....................0 .....................0

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

SECTION 3ACumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ..............2,817 .................883 .................245 .................285 .................107 .................712 ..................(41) ...................29 ...................10 ...................18

2. 2001................... .................497 ..............1,033 ..............1,551 ..............1,735 ..............1,812 ..............1,829 ..............1,867 ..............1,875 ..............1,882 ..............1,889

3. 2002................... ........XXX......... .................560 ..............2,164 ..............2,522 ..............2,742 ..............2,199 ..............2,224 ..............2,230 ..............2,236 ..............2,238

4. 2003................... ........XXX......... ........XXX......... .................365 .................331 .................383 .................271 .................272 .................272 .................273 .................273

5. 2004................... ........XXX......... ........XXX......... ........XXX......... .....................4 ...................13 .....................9 ...................10 ...................10 ...................10 ...................10

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................3 .....................4 .....................5 .....................5 .....................5 .....................5

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................2 .....................2 .....................2

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................2 .....................2 .....................1

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................1

Page 67: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

76

SCHEDULE P - PART 5F - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADESECTION 1B

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ..............2,563 ..............1,994 ..............1,213 .................668 .................365 .................214 .................430 .................206 .................129 ...................96

2. 2001................... .................282 .................986 ..............1,680 ..............2,153 ..............2,411 ..............2,468 ..............2,577 ..............2,649 ..............2,692 ..............2,726

3. 2002................... ........XXX......... .................171 .................508 .................829 ..............1,036 ..............1,065 ..............1,118 ..............1,136 ..............1,150 ..............1,156

4. 2003................... ........XXX......... ........XXX......... .....................4 ...................44 ...................74 ...................92 .................100 .................103 .................103 .................107

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ...................13 ...................44 ...................64 ...................73 ...................79 ...................80 ...................87

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................10 ...................22 ...................31 ...................38 ...................41 ...................44

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................1

SECTION 2BNumber of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............10,819 ..............5,965 ..............3,349 ..............2,062 ..............1,188 ..............1,948 .................653 .................409 .................251 .................129

2. 2001................... ..............5,772 ..............3,916 ..............2,397 ..............1,402 .................848 .................399 .................269 .................197 .................142 ...................83

3. 2002................... ........XXX......... ..............3,200 ..............1,788 ..............1,167 .................672 .................155 ...................77 ...................38 ...................21 ...................14

4. 2003................... ........XXX......... ........XXX......... .................103 .................183 .................101 ...................39 ...................20 ...................12 .....................7 .....................6

5. 2004................... ........XXX......... ........XXX......... ........XXX......... .................150 .................111 ...................51 ...................23 .....................6 .....................2 .....................0

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................134 ...................52 ...................32 ...................14 .....................8 .....................4

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................1

SECTION 3BCumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............10,315 .................670 .................488 .................466 .................162 ..............1,115 ................(726) ...................28 .....................6 ....................(3)

2. 2001................... ..............8,195 ..............9,847 ............10,396 ............10,696 ............10,855 ............10,531 ............10,546 ............10,559 ............10,564 ............10,570

3. 2002................... ........XXX......... ..............4,603 ..............5,809 ..............6,304 ..............6,415 ..............5,998 ..............6,003 ..............6,003 ..............6,007 ..............6,007

4. 2003................... ........XXX......... ........XXX......... .................187 .................516 .................542 .................536 .................539 .................540 .................541 .................551

5. 2004................... ........XXX......... ........XXX......... ........XXX......... .................285 .................344 .................352 .................357 .................358 .................358 .................370

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................199 .................216 .................227 .................228 .................228 .................230

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................1

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................2

Page 68: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

77

SCHEDULE P - PART 5H - OTHER LIABILITY - OCCURRENCESECTION 1A

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............46,566 ............42,918 ............31,000 ............33,016 ............21,810 ............17,936 ............15,266 ............11,612 ..............6,837 ..............7,190

2. 2001................... ............15,114 ............26,072 ............29,758 ............32,251 ............33,759 ............34,302 ............34,816 ............35,153 ............35,351 ............35,459

3. 2002................... ........XXX......... ............14,211 ............23,346 ............27,207 ............29,766 ............30,709 ............31,633 ............32,249 ............32,500 ............32,642

4. 2003................... ........XXX......... ........XXX......... ..............9,429 ............16,876 ............20,352 ............21,487 ............22,824 ............23,492 ............23,868 ............24,062

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ..............8,743 ............13,892 ............15,257 ............16,931 ............18,056 ............18,623 ............18,973

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............5,279 ..............7,950 ..............9,567 ............10,770 ............11,575 ............12,021

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,931 ..............5,413 ..............6,529 ..............7,386 ..............7,942

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,655 ..............4,918 ..............5,881 ..............6,695

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,807 ..............4,825 ..............5,701

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,732 ..............4,648

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,992

SECTION 2ANumber of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ..........791,409 ..........893,537 .......1,153,109 .......1,077,445 .......1,087,897 ..........939,634 ..........834,138 ..........800,880 ..........769,660 ..........781,121

2. 2001................... ............18,419 ............11,233 ..............6,922 ..............4,927 ..............3,079 ..............2,089 ..............5,016 ..............8,572 ............21,639 ............21,517

3. 2002................... ........XXX......... ............19,044 ..............9,054 ..............7,753 ..............5,446 ..............3,709 ..............2,739 ..............1,436 ..............1,079 ..............2,800

4. 2003................... ........XXX......... ........XXX......... ............13,297 ..............9,145 ..............5,093 ..............7,781 ..............7,041 ..............6,264 ..............4,000 ..............3,886

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ............12,877 ..............5,848 ..............4,101 ..............2,744 ..............1,618 .................967 ..............1,575

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............6,995 ..............4,215 ..............3,144 ..............2,107 ..............1,267 .................812

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............4,712 ..............3,273 ..............2,581 ..............1,849 ..............1,315

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............4,075 ..............2,758 ..............2,171 ..............1,610

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,749 ..............2,768 ..............3,679

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,672 ..............2,857

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,993

SECTION 3ACumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ..........219,133 ..........223,365 ..........333,766 ..........253,316 ..........143,874 ............56,568 ............28,437 ............27,765 ............40,350 ..........145,156

2. 2001................... ............52,462 ............71,700 ............75,223 ............78,773 ............79,786 ............80,064 ............84,176 ............88,395 ..........103,703 ..........103,990

3. 2002................... ........XXX......... ............53,331 ............67,206 ............74,653 ............77,022 ............77,800 ............78,317 ............78,697 ............79,033 ............81,291

4. 2003................... ........XXX......... ........XXX......... ............40,472 ............56,588 ............59,640 ............74,210 ............75,753 ............76,099 ............76,234 ............76,722

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ............36,890 ............43,798 ............44,991 ............46,488 ............47,033 ............47,152 ............48,354

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............21,402 ............25,035 ............27,089 ............27,983 ............28,292 ............28,563

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,939 ............19,498 ............20,748 ............21,488 ............21,853

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,505 ............18,448 ............19,728 ............20,494

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,071 ............17,717 ............20,364

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,812 ............18,526

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............16,635

Page 69: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

78

SCHEDULE P - PART 5H - OTHER LIABILITY - CLAIMS-MADESECTION 1B

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ..............1,828 ..............1,157 .................670 .................395 .................176 .................129 .................236 ...................74 ...................55 ...................64

2. 2001................... .................497 ..............1,371 ..............2,101 ..............2,555 ..............2,783 ..............2,865 ..............3,014 ..............3,059 ..............3,093 ..............3,181

3. 2002................... ........XXX......... .................477 ..............1,616 ..............2,444 ..............2,898 ..............3,081 ..............3,336 ..............3,434 ..............3,483 ..............3,511

4. 2003................... ........XXX......... ........XXX......... .................407 ..............1,533 ..............2,266 ..............2,583 ..............2,999 ..............3,182 ..............3,284 ..............3,333

5. 2004................... ........XXX......... ........XXX......... ........XXX......... .................386 ..............1,402 ..............1,958 ..............2,799 ..............3,083 ..............3,231 ..............3,336

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................375 ..............1,192 ..............2,701 ..............3,221 ..............3,459 ..............3,588

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................513 ..............2,970 ..............3,936 ..............4,387 ..............4,624

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............1,178 ..............2,705 ..............3,605 ..............4,105

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................610 ..............2,229 ..............3,200

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................764 ..............2,731

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................853

SECTION 2BNumber of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ............10,070 ..............3,959 ..............2,248 ..............1,326 .................950 .................663 .................465 .................430 .................371 .................281

2. 2001................... ..............6,738 ..............4,379 ..............2,332 ..............1,255 .................789 .................452 .................309 .................238 .................183 .................128

3. 2002................... ........XXX......... ..............7,196 ..............4,431 ..............2,225 ..............1,295 .................672 .................444 .................278 .................188 .................132

4. 2003................... ........XXX......... ........XXX......... ..............6,439 ..............3,738 ..............2,015 ..............1,015 .................665 .................373 .................269 .................197

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ..............5,712 ..............3,221 ..............1,572 .................896 .................500 .................294 .................177

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............4,754 ..............2,577 ..............1,459 .................719 .................394 .................260

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............4,032 ..............2,801 ..............1,543 .................969 .................708

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............4,965 ..............2,410 ..............1,240 .................678

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,601 ..............1,990 ..............1,156

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,843 ..............2,288

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,959

SECTION 3BCumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ..............7,901 .............(1,803) .................506 .................582 .................305 .................148 .................213 .................171 ...................66 ...................33

2. 2001................... ..............8,779 ............10,336 ............10,744 ............11,159 ............11,409 ............11,451 ............11,594 ............11,648 ............11,670 ............11,749

3. 2002................... ........XXX......... ..............9,306 ............11,338 ............12,181 ............12,608 ............12,594 ............12,888 ............12,944 ............12,976 ............12,994

4. 2003................... ........XXX......... ........XXX......... ..............9,245 ............12,040 ............12,661 ............12,597 ............13,050 ............13,152 ............13,241 ............13,262

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ..............8,880 ............10,900 ............10,702 ............11,503 ............11,635 ............11,691 ............11,723

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............7,207 ..............6,839 ..............8,441 ..............8,609 ..............8,653 ..............8,695

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............5,269 ..............9,546 ............10,304 ............10,429 ............10,489

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............9,069 ............10,029 ............10,343 ............10,477

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,840 ..............5,409 ..............5,785

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,919 ..............5,846

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............4,072

Page 70: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

79

SCHEDULE P - PART 5R - PRODUCTS LIABILITY - OCCURRENCESECTION 1A

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ..............8,262 ..............8,770 ..............9,124 ..............7,460 ..............8,142 ..............5,505 ..............6,052 ..............9,011 ............14,873 ..............6,288

2. 2001................... ..............1,370 ..............3,032 ..............3,423 ..............3,882 ..............4,039 ..............4,183 ..............4,444 ..............4,659 ..............4,790 ..............4,935

3. 2002................... ........XXX......... ..............1,420 ..............2,587 ..............3,569 ..............3,617 ..............3,845 ..............4,103 ..............4,278 ..............4,409 ..............4,508

4. 2003................... ........XXX......... ........XXX......... ..............1,329 ..............3,384 ..............3,116 ..............3,343 ..............3,743 ..............4,070 ..............4,324 ..............4,542

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ..............1,567 ..............2,282 ..............2,515 ..............2,893 ..............3,191 ..............3,407 ..............3,674

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................705 ..............1,028 ..............1,320 ..............1,595 ..............1,818 ..............1,957

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................288 .................626 .................852 ..............1,073 ..............1,258

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................269 .................639 .................881 ..............1,113

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................274 .................694 .................948

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................451 ..............1,005

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................888

SECTION 2ANumber of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ..........403,938 ..........445,264 ..........713,188 ..........911,180 ..........889,527 ..........882,796 ..........745,139 ..........706,993 ..........761,958 ..........924,670

2. 2001................... ..............2,406 ..............2,429 ..............1,573 ..............1,407 ..............1,985 ..............1,831 ..............1,102 .................732 ..............2,349 ..............2,215

3. 2002................... ........XXX......... ..............3,114 ..............1,971 ..............1,851 ..............1,529 ..............1,256 ..............1,431 ..............1,297 ..............1,743 ..............2,133

4. 2003................... ........XXX......... ........XXX......... ..............2,626 ..............1,439 ..............1,455 ..............1,312 ..............1,247 ..............1,045 ..............1,198 ..............1,049

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ..............1,945 ..............1,405 ..............1,280 ..............1,110 .................876 .................775 .................969

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............1,302 ..............1,090 .................991 .................791 .................627 .................531

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................994 .................999 .................891 .................786 .................635

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............1,033 .................952 .................831 .................697

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............1,078 .................997 .................933

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............1,141 .................947

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............1,214

SECTION 3ACumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ..........105,345 ..........102,056 ..........311,205 ..........263,257 ..........136,441 ............69,968 ............21,802 ............24,707 ..........143,601 ..........236,115

2. 2001................... ..............5,868 ..............9,798 ............10,706 ............11,608 ............13,762 ............14,018 ............14,429 ............14,768 ............16,707 ............17,076

3. 2002................... ........XXX......... ..............6,958 ..............9,027 ............11,045 ............11,576 ............11,788 ............12,436 ............12,655 ............13,611 ............14,556

4. 2003................... ........XXX......... ........XXX......... ..............6,348 ............11,350 ............12,287 ............12,677 ............13,345 ............13,743 ............14,380 ............14,762

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ..............7,506 ..............9,436 ..............9,881 ............10,469 ............10,766 ............11,031 ............11,615

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,177 ..............3,943 ..............4,504 ..............4,800 ..............5,026 ..............5,223

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,109 ..............3,142 ..............3,535 ..............3,783 ..............3,965

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,086 ..............3,050 ..............3,447 ..............3,794

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,076 ..............3,122 ..............3,699

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,560 ..............3,814

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,358

Page 71: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

80

SCHEDULE P - PART 5R - PRODUCTS LIABILITY - CLAIMS-MADESECTION 1B

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ...................41 ...................35 ...................23 ...................19 ...................13 .....................3 ...................28 ...................28 .....................1 .....................4

2. 2001................... .....................2 .....................6 ...................13 ...................21 ...................26 ...................27 ...................29 ...................32 ...................32 ...................32

3. 2002................... ........XXX......... .....................1 .....................1 .....................4 ...................12 ...................15 ...................20 ...................21 ...................24 ...................24

4. 2003................... ........XXX......... ........XXX......... .....................2 .....................4 ...................10 ...................13 ...................20 ...................25 ...................26 ...................29

5. 2004................... ........XXX......... ........XXX......... ........XXX......... .....................2 .....................4 .....................8 ...................13 ...................17 ...................19 ...................22

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................2 .....................3 .....................7 .....................7 ...................16 ...................18

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................1 .....................2 .....................3 .....................4

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................1 .....................5 ...................10 ...................13

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................1 .....................3 .....................4

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................1 .....................2

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................3

SECTION 2BNumber of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... .................324 .................122 ...................70 ...................66 ...................53 ...................43 ...................23 ...................17 ...................21 ...................18

2. 2001................... ...................38 ...................50 ...................27 ...................24 ...................15 ...................11 .....................9 .....................8 .....................8 .....................6

3. 2002................... ........XXX......... ...................39 ...................18 ...................26 ...................19 ...................10 .....................5 .....................5 .....................3 .....................3

4. 2003................... ........XXX......... ........XXX......... ...................29 ...................45 ...................33 ...................29 ...................11 .....................6 .....................5 .....................3

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ...................27 ...................29 ...................14 ...................10 .....................8 .....................6 .....................3

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................16 ...................11 ...................12 ...................13 .....................5 .....................1

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................11 ...................11 ...................11 .....................5 .....................8

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................15 ...................12 ...................14 ...................11

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................33 ...................27 ...................18

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................31 ...................21

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................32

SECTION 3BCumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ...................48 .....................4 .....................4 ...................26 .....................8 .....................1 ...................18 ...................26 ...................10 ...................94

2. 2001................... ...................50 ...................85 ...................65 ...................79 ...................79 ...................79 ...................80 ...................85 ...................88 ...................89

3. 2002................... ........XXX......... ...................50 ...................36 ...................64 ...................70 ...................69 ...................71 ...................73 ...................74 ...................74

4. 2003................... ........XXX......... ........XXX......... ...................42 .................111 .................118 .................119 .................122 .................122 .................123 .................124

5. 2004................... ........XXX......... ........XXX......... ........XXX......... ...................47 ...................57 ...................50 ...................56 ...................63 ...................64 ...................67

6. 2005................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................21 ...................26 ...................32 ...................34 ...................35 ...................34

7. 2006................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................15 ...................19 ...................21 ...................22 ...................26

8. 2007................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................21 ...................25 ...................37 ...................40

9. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................38 ...................48 ...................49

10. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................41 ...................44

11. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................53

Page 72: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

81

SCHEDULE P - PART 5T - WARRANTYSECTION 1

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

2. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

3. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

SCHEDULE P - PART 5T - WARRANTYSECTION 2

Number of Claims Outstanding Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

2. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

3. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

SCHEDULE P - PART 5T - WARRANTYSECTION 3

Cumulative Number of Claims Reported Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

2. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

3. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

Page 73: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

82

SCHEDULE P - PART 6C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICALSECTION 1

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ..........79,689 ..........44,055 ..........(9,330) ..........25,016 ............7,997 ..........(6,462) ..........12,035 .............(701) ................52 ............2,093 ............2,0932. 2001........................... .....1,685,569 .....1,831,495 .....1,852,830 .....1,857,829 .....1,859,172 .....1,856,538 .....1,856,314 .....1,856,538 .....1,856,646 .....1,856,743 ................973. 2002........................... .........XXX..... .....1,923,227 .....2,110,756 .....2,121,513 .....2,122,975 .....2,116,290 .....2,115,372 .....2,115,604 .....2,115,730 .....2,115,707 ...............(23)4. 2003........................... .........XXX..... .........XXX..... .....2,043,837 .....2,216,887 .....2,246,965 .....2,238,296 .....2,236,715 .....2,235,752 .....2,235,887 .....2,239,899 ............4,0125. 2004........................... .........XXX..... .........XXX..... .........XXX..... .....1,832,777 .....2,031,330 .....2,058,212 .....2,053,705 .....2,050,462 .....2,049,883 .....2,051,862 ............1,9796. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,783,830 .....1,896,012 .....1,906,373 .....1,898,009 .....1,898,432 .....1,897,963 .............(469)7. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,692,956 .....1,737,736 .....1,735,397 .....1,735,796 .....1,733,406 ..........(2,391)8. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,805,766 .....1,813,338 .....1,818,919 .....1,810,666 ..........(8,253)9. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,679,087 .....1,692,486 .....1,695,214 ............2,72810. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,636,713 .....1,635,073 ..........(1,640)11. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,601,333 .....1,601,33312. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,599,46613. Earned Prems.(P-Pt 1) .....1,765,260 .....2,112,886 .....2,243,370 .....2,046,599 .....2,023,262 .....1,807,568 .....1,865,713 .....1,671,507 .....1,656,355 .....1,599,466 ...........XXX...

SECTION 2Cumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ........106,836 ..........18,498 ............1,217 ..........(9,818) ..........(1,505) .............(375) ...............(69) ..............395 ...............(38) ................51 ................512. 2001........................... ........237,688 ........347,489 ........362,169 ........366,549 ........365,026 ........364,711 ........364,690 ........364,709 ........364,726 ........364,712 ...............(14)3. 2002........................... .........XXX..... ........272,403 ........365,071 ........371,700 ........373,370 ........371,839 ........371,862 ........371,875 ........371,876 ........371,871 .................(6)4. 2003........................... .........XXX..... .........XXX..... ........259,164 ........360,495 ........380,867 ........377,577 ........377,107 ........377,874 ........377,860 ........378,301 ..............4415. 2004........................... .........XXX..... .........XXX..... .........XXX..... ........249,964 ........346,206 ........371,274 ........369,883 ........371,479 ........371,523 ........371,324 .............(199)6. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........168,294 ........183,149 ........181,244 ........182,753 ........182,897 ........182,669 .............(229)7. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........163,089 ........173,561 ........176,305 ........178,237 ........180,497 ............2,2608. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........240,635 ........232,666 ........238,350 ........244,267 ............5,9179. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........122,933 ..........79,444 ..........78,802 .............(642)10. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........134,258 ........141,676 ............7,41911. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..........61,038 ..........61,03812. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..........76,03713. Earned Prems.(P-Pt 1) ........344,526 ........400,697 ........367,728 ........352,487 ........283,555 ........197,500 ........247,271 ........122,012 ..........98,538 ..........76,037 ...........XXX...

SCHEDULE P - PART 6D - WORKERS' COMPENSATIONSECTION 1

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ........174,632 ........(25,682) ........(22,530) ........(93,159) ........(45,764) ........(50,483) ........(16,561) ..........(7,032) ..........25,298 ..........(1,610) ..........(1,610)2. 2001........................... .....1,965,609 .....2,142,731 .....2,164,050 .....2,178,931 .....2,186,954 .....2,179,531 .....2,185,790 .....2,179,830 .....2,186,024 .....2,185,586 .............(438)3. 2002........................... .........XXX..... .....2,211,059 .....2,386,777 .....2,408,657 .....2,406,908 .....2,395,424 .....2,411,693 .....2,407,059 .....2,398,926 .....2,396,518 ..........(2,408)4. 2003........................... .........XXX..... .........XXX..... .....2,682,342 .....2,967,479 .....2,993,016 .....2,977,319 .....2,974,820 .....2,960,784 .....2,953,370 .....2,950,935 ..........(2,436)5. 2004........................... .........XXX..... .........XXX..... .........XXX..... .....2,844,380 .....3,155,493 .....3,157,907 .....3,152,303 .....3,130,874 .....3,129,779 .....3,121,979 ..........(7,801)6. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....2,708,259 .....2,844,239 .....2,858,514 .....2,883,680 .....2,873,731 .....2,875,129 ............1,3997. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....2,755,482 .....2,850,708 .....2,842,611 .....2,852,088 .....2,834,702 ........(17,387)8. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....2,945,707 .....3,011,737 .....2,994,244 .....2,958,335 ........(35,910)9. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....2,900,424 .....2,914,745 .....2,906,988 ..........(7,756)10. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....2,821,466 .....2,847,938 ..........26,47211. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....2,849,259 .....2,849,25912. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....2,801,38513. Earned Prems.(P-Pt 1) .....2,140,377 .....2,362,502 .....2,856,848 .....3,073,119 .....3,005,419 .....2,808,788 .....3,053,066 .....2,930,432 .....2,832,673 .....2,801,385 ...........XXX...

SECTION 2Cumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ........142,675 ..........29,052 ..........18,705 ..........(2,060) ............2,495 .............(725) ..........(1,351) ............4,761 ..........(2,538) ..............612 ..............6122. 2001........................... ........367,744 ........482,557 ........500,352 ........507,289 ........508,353 ........508,042 ........509,505 ........510,289 ........510,303 ........510,139 .............(163)3. 2002........................... .........XXX..... ........537,227 ........665,080 ........679,975 ........676,167 ........676,797 ........675,832 ........676,649 ........676,586 ........677,345 ..............7604. 2003........................... .........XXX..... .........XXX..... ........662,918 ........879,466 ........910,864 ........911,697 ........911,034 ........910,188 ........909,454 ........909,967 ..............5135. 2004........................... .........XXX..... .........XXX..... .........XXX..... ........692,124 ........940,062 ........970,285 ........971,362 ........966,878 ........966,320 ........964,145 ..........(2,175)6. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........689,689 ........806,791 ........813,558 ........812,967 ........812,116 ........812,373 ..............2577. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........674,038 ........770,503 ........786,341 ........789,887 ........800,799 ..........10,9118. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........701,964 ........718,446 ........722,604 ........745,583 ..........22,9799. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........487,622 ........480,351 ........479,605 .............(746)10. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........347,024 ........366,421 ..........19,39611. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........227,774 ........227,77412. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........280,11713. Earned Prems.(P-Pt 1) ........510,416 ........681,089 ........827,267 ........928,445 ........968,774 ........821,787 ........804,752 ........520,387 ........342,726 ........280,117 ...........XXX...

Page 74: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

83

SCHEDULE P - PART 6E - COMMERCIAL MULTIPLE PERILSECTION 1

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ..........33,101 ..........12,346 ..............667 ...............(36) ...............(71) ...............(60) ...............(40) .................(4) ...............(43) ..................0 ..................02. 2001........................... .....2,284,689 .....2,323,777 .....2,322,874 .....2,324,928 .....2,324,942 .....2,324,943 .....2,324,941 .....2,324,936 .....2,324,936 .....2,324,936 ..................03. 2002........................... .........XXX..... .....2,555,582 .....2,601,052 .....2,599,937 .....2,599,884 .....2,599,870 .....2,599,864 .....2,599,858 .....2,599,858 .....2,599,858 ..................04. 2003........................... .........XXX..... .........XXX..... .....2,939,665 .....3,029,933 .....3,028,565 .....3,028,337 .....3,028,307 .....3,028,211 .....3,028,188 .....3,028,189 ..................15. 2004........................... .........XXX..... .........XXX..... .........XXX..... .....3,057,348 .....3,100,755 .....3,100,476 .....3,100,357 .....3,100,178 .....3,100,110 .....3,100,111 ..................16. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....2,966,596 .....2,973,837 .....2,972,852 .....2,972,516 .....2,972,467 .....2,972,452 ...............(15)7. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....3,160,092 .....3,158,058 .....3,155,413 .....3,155,080 .....3,154,980 .............(100)8. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....3,228,513 .....3,210,127 .....3,206,354 .....3,205,989 .............(364)9. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....3,111,274 .....3,081,049 .....3,074,818 ..........(6,231)10. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....3,018,129 .....2,987,114 ........(31,015)11. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....3,070,037 .....3,070,03712. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....3,032,31313. Earned Prems.(P-Pt 1) .....2,317,787 .....2,607,030 .....2,984,902 .....3,148,514 .....3,008,519 .....3,166,756 .....3,225,294 .....3,089,614 .....2,983,615 .....3,032,313 ...........XXX...

SECTION 2Cumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ..........36,825 ........(25,349) ..............200 ..............333 ..............180 ..............239 ..............285 ..............223 ..................0 ..................0 ..................02. 2001........................... ........153,175 ........173,645 ........174,481 ........174,508 ........173,505 ........173,563 ........173,551 ........173,551 ........173,550 ........173,516 ...............(34)3. 2002........................... .........XXX..... ........234,665 ........251,433 ........252,192 ........252,089 ........252,166 ........252,152 ........252,151 ........252,072 ........252,064 .................(8)4. 2003........................... .........XXX..... .........XXX..... ........274,331 ........293,674 ........293,508 ........293,448 ........293,567 ........293,561 ........293,487 ........293,459 ...............(28)5. 2004........................... .........XXX..... .........XXX..... .........XXX..... ........214,890 ........223,289 ........223,275 ........223,598 ........223,572 ........223,563 ........223,582 ................196. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........207,869 ........206,362 ........206,608 ........206,484 ........205,630 ........204,593 ..........(1,037)7. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........215,873 ........218,125 ........218,071 ........218,090 ........217,878 .............(212)8. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........251,340 ........254,165 ........253,964 ........253,870 ...............(93)9. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........228,551 ........230,201 ........230,131 ...............(70)10. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........229,116 ........229,281 ..............16511. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........223,858 ........223,85812. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........222,56013. Earned Prems.(P-Pt 1) ........189,780 ........229,568 ........291,889 ........235,110 ........214,933 ........214,426 ........254,296 ........231,388 ........229,565 ........222,560 ...........XXX...

SCHEDULE P - PART 6H - OTHER LIABILITY - OCCURRENCESECTION 1A

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ........255,064 ..........47,842 ............6,621 ..........52,456 ..........(5,573) ..........63,629 ............3,020 ............3,796 ............8,027 ........(17,819) ........(17,819)2. 2001........................... .....1,425,318 .....1,661,613 .....1,699,470 .....1,706,153 .....1,705,323 .....1,709,931 .....1,712,065 .....1,706,368 .....1,709,828 .....1,710,280 ..............4523. 2002........................... .........XXX..... .....1,795,640 .....1,941,433 .....1,953,980 .....1,961,824 .....1,963,407 .....1,963,075 .....1,959,234 .....1,958,504 .....1,958,471 ...............(33)4. 2003........................... .........XXX..... .........XXX..... .....2,104,297 .....2,695,070 .....2,731,016 .....2,730,754 .....2,728,531 .....2,727,178 .....2,725,870 .....2,728,280 ............2,4105. 2004........................... .........XXX..... .........XXX..... .........XXX..... .....1,388,987 .....1,655,048 .....1,666,934 .....1,666,180 .....1,666,785 .....1,666,377 .....1,668,324 ............1,9476. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,888,863 .....1,946,158 .....1,961,648 .....1,951,946 .....1,952,970 .....1,948,913 ..........(4,056)7. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....2,096,357 .....2,179,546 .....2,191,000 .....2,191,948 .....2,187,449 ..........(4,499)8. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....2,174,213 .....2,250,568 .....2,255,685 .....2,258,431 ............2,7469. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....2,032,045 .....2,060,333 .....2,060,794 ..............46110. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,937,223 .....1,974,790 ..........37,56711. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,794,950 .....1,794,95012. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,814,12513. Earned Prems.(P-Pt 1) .....1,680,384 .....2,079,781 .....2,294,564 .....2,051,442 .....2,192,309 .....2,235,098 .....2,274,733 .....2,103,660 .....1,981,642 .....1,814,125 ...........XXX...

SECTION 2ACumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ........123,649 ..........30,172 ............2,461 ............5,885 .............(774) ...............(19) ..............892 ..........(8,909) ..........(1,675) ........(17,039) ........(17,039)2. 2001........................... ........193,958 ........336,174 ........362,237 ........365,991 ........367,749 ........369,457 ........369,779 ........366,602 ........366,700 ........366,866 ..............1663. 2002........................... .........XXX..... ........273,946 ........405,498 ........368,038 ........368,110 ........360,541 ........362,413 ........358,908 ........359,221 ........360,585 ............1,3644. 2003........................... .........XXX..... .........XXX..... ........369,234 ........732,096 ........763,313 ........763,126 ........763,896 ........763,881 ........763,831 ........764,900 ............1,0695. 2004........................... .........XXX..... .........XXX..... .........XXX..... ..............262 ........110,331 ........120,169 ........120,414 ........120,616 ........120,773 ........120,782 ..................96. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........266,496 ........247,589 ........247,740 ........250,796 ........255,429 ........259,998 ............4,5697. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........407,861 ........416,611 ........416,268 ........415,970 ........421,292 ............5,3228. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........446,373 ........428,003 ........429,091 ........429,268 ..............1779. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........278,207 ........276,619 ........276,431 .............(188)10. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........178,648 ........187,688 ............9,04111. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........131,527 ........131,52712. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........136,01613. Earned Prems.(P-Pt 1) ........317,607 ........446,337 ........529,308 ........335,303 ........408,839 ........392,722 ........459,373 ........247,144 ........181,326 ........136,016 ...........XXX...

Page 75: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

84

SCHEDULE P - PART 6H - OTHER LIABILITY - CLAIMS-MADESECTION 1B

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ..........22,057 ..........12,350 ..........30,163 ..........(1,141) ...............(20) .............(510) ..............249 .............(426) ................30 ..............613 ..............6132. 2001........................... ........552,563 ........698,313 ........713,448 ........713,101 ........713,153 ........713,134 ........713,133 ........713,162 ........713,162 ........713,244 ................833. 2002........................... .........XXX..... ........854,775 .....1,113,779 .....1,113,193 .....1,113,561 .....1,118,212 .....1,118,237 .....1,118,249 .....1,118,518 .....1,118,651 ..............1334. 2003........................... .........XXX..... .........XXX..... .....1,077,983 .....1,365,516 .....1,365,281 .....1,365,985 .....1,366,012 .....1,366,001 .....1,366,000 .....1,365,951 ...............(50)5. 2004........................... .........XXX..... .........XXX..... .........XXX..... .....1,151,460 .....1,153,858 .....1,156,475 .....1,156,424 .....1,156,407 .....1,156,407 .....1,156,321 ...............(85)6. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,223,443 .....1,223,642 .....1,223,587 .....1,223,490 .....1,223,491 .....1,223,457 ...............(34)7. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,191,710 .....1,190,548 .....1,189,853 .....1,189,824 .....1,188,898 .............(926)8. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,423,317 .....1,256,573 .....1,256,311 .....1,255,848 .............(463)9. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,291,832 .....1,292,143 .....1,292,190 ................4710. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,181,786 .....1,182,992 ............1,20611. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,185,835 .....1,185,83512. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .....1,186,35913. Earned Prems.(P-Pt 1) ........574,617 .....1,012,875 .....1,382,283 .....1,436,921 .....1,226,006 .....1,199,349 .....1,422,356 .....1,123,878 .....1,182,104 .....1,186,359 ...........XXX...

SECTION 2BCumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ........(27,370) ..........22,741 ..........25,459 .............(179) ..............391 ................21 ..................0 ..............166 ..................1 ..................1 ..................12. 2001........................... ........103,109 ........210,115 ........220,089 ........220,124 ........220,274 ........221,794 ........221,794 ........221,997 ........222,016 ........221,950 ...............(66)3. 2002........................... .........XXX..... ........237,182 ........396,713 ........401,079 ........412,945 ........414,524 ........414,524 ........414,551 ........414,551 ........414,424 .............(127)4. 2003........................... .........XXX..... .........XXX..... ........323,219 ........546,623 ........556,374 ........556,270 ........556,421 ........552,781 ........552,063 ........551,929 .............(134)5. 2004........................... .........XXX..... .........XXX..... .........XXX..... ........216,490 ........218,493 ........220,309 ........220,491 ........221,464 ........221,715 ........221,739 ................246. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........167,246 ........200,338 ........202,253 ........202,351 ........202,367 ........202,483 ..............1177. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........122,489 ........166,514 ........168,886 ........169,274 ........171,516 ............2,2428. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........362,224 ........270,192 ........270,217 ........270,549 ..............3329. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........253,134 ........321,873 ........321,604 .............(269)10. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........130,708 ........180,810 ..........50,10211. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........199,680 ........199,68012. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........251,90113. Earned Prems.(P-Pt 1) ..........75,738 ........366,931 ........518,185 ........444,117 ........191,411 ........160,409 ........408,497 ........161,300 ........199,428 ........251,901 ...........XXX...

SCHEDULE P - PART 6M - INTERNATIONALSECTION 1

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ..............336 .............(240) ..................0 ..................0 ..................0 .............(158) .................(0) .................(0) ..................0 ..................0 ..................02. 2001........................... ..........15,228 ..........15,538 ..........15,538 ..........15,538 ..........15,538 ..........15,538 ..........15,538 ..........15,538 ..........15,538 ..........15,538 ..................03. 2002........................... .........XXX..... ..........22,935 ..........23,225 ..........23,225 ..........23,225 ..........23,225 ..........23,225 ..........23,225 ..........23,225 ..........23,225 ..................04. 2003........................... .........XXX..... .........XXX..... ........230,074 ........230,075 ........236,103 ........236,103 ........236,103 ........236,103 ........236,103 ........236,103 ..................05. 2004........................... .........XXX..... .........XXX..... .........XXX..... ........293,207 ........293,207 ........293,207 ........293,207 ........293,207 ........293,207 ........293,207 ..................06. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..........23,360 ..........23,803 ..........23,803 ..........23,803 ..........23,803 ..........23,803 ..................07. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..........(7,087) ..........(6,989) ..........(6,989) ..........(6,989) ..........(6,989) ..................08. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ............2,813 ............9,194 ............9,194 ............9,194 ..................09. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ............1,972 ............2,182 ............2,182 ..................010. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ............9,382 ............9,956 ..............57411. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ............3,294 ............3,29412. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ............3,86813. Earned Prems.(P-Pt 1) ..........15,564 ..........23,002 ........230,364 ........293,207 ..........29,389 ..........(6,808) ............2,910 ............8,353 ............9,592 ............3,868 ...........XXX...

SECTION 2Cumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ................25 ..................7 ..................4 ..................4 ..................4 ..................4 ..................4 ..................4 ..................0 ..................0 ..................02. 2001........................... ............2,637 ............2,637 ............2,637 ............2,637 ............2,637 ............2,637 ............2,637 ............2,637 ............2,637 ............2,637 ..................03. 2002........................... .........XXX..... ............3,493 ............3,493 ............3,493 ............3,493 ............3,493 ............3,493 ............3,493 ............3,493 ............3,493 ..................04. 2003........................... .........XXX..... .........XXX..... ............5,516 ............5,516 ............5,516 ............5,516 ............5,516 ............5,516 ............5,516 ............5,516 ..................05. 2004........................... .........XXX..... .........XXX..... .........XXX..... .................(0) .................(0) .................(0) .................(0) .................(0) .................(0) .................(0) ..................06. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..................8 ..................8 ..................8 ..................8 ..................8 ..................8 ..................07. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..................0 ..................0 ..................0 ..................0 ..................0 ..................08. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..................0 ..................0 ..................0 ..................0 ..................09. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..................0 ..................0 ..................0 ..................010. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..................0 ..................0 ..................011. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..................0 ..................012. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..................013. Earned Prems.(P-Pt 1) ............2,658 ............3,496 ............5,516 ..................0 ..................8 ..................0 ..................0 ..................0 ..................0 ..................0 ...........XXX...

Page 76: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

85

SCHEDULE P - PART 6N - REINSURANCENONPROPORTIONAL ASSUMED PROPERTY

SECTION 1Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................. ...........5,960 .........14,174 ...........5,383 .........66,384 ................79 .............(364) ................82 ................25 ................19 ...............(42) ...............(42)2. 2001............................ .......559,020 .......555,867 .......565,938 .......567,675 .......568,354 .......568,731 .......569,093 .......569,596 .......569,609 .......569,733 ..............1243. 2002............................ .........XXX..... .......321,114 .......290,863 .......291,887 .......292,396 .......292,370 .......292,668 .......292,677 .......292,679 .......292,679 ..................04. 2003............................ .........XXX..... .........XXX..... .......180,766 .......203,821 .......204,469 .......204,488 .......205,228 .......205,243 .......205,247 .......205,248 ..................15. 2004............................ .........XXX..... .........XXX..... .........XXX..... ...........5,402 ...........6,013 ...........6,011 ...........6,011 ...........6,011 ...........6,011 ...........6,011 ..................06. 2005............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... ...........2,246 ...........2,871 ...........3,391 ...........3,391 ...........3,391 ...........3,391 ..................07. 2006............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ...........6,880 ...........7,111 ...........7,082 ...........7,082 ...........7,082 ..................08. 2007............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........16,634 .........16,805 .........16,806 .........16,806 ..................09. 2008............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ...........3,395 ...........3,537 ...........3,537 ..................010. 2009............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ...........1,330 ...........1,522 ..............19211. 2010............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..........(1,145) ..........(1,145)12. Total............................. .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .............(871)13. Earned Prems.(P-Pt.1). .......564,980 .......332,134 .......165,968 .........97,601 ...........4,775 ...........7,511 .........18,874 ...........4,089 ...........1,512 .............(871) .........XXX.....

SECTION 2Cumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................. ..........(5,302) .............(584) ........(15,403) .........41,270 ................19 ..................5 ..................5 ..................1 ..................4 ................10 ................102. 2001............................ .........36,740 .........11,796 .........11,790 .........12,734 .........12,756 .........12,767 .........12,767 .........13,004 .........13,004 .........13,004 ..................03. 2002............................ .........XXX..... .........63,517 .........63,534 .........59,616 .........58,457 .........58,447 .........58,847 .........59,199 .........59,315 .........59,327 ................124. 2003............................ .........XXX..... .........XXX..... .........85,827 .........87,296 .........85,393 .........85,956 .........85,948 .........85,948 .........85,948 .........85,948 ..................05. 2004............................ .........XXX..... .........XXX..... .........XXX..... .........11,317 .........11,317 .........11,317 .........11,317 .........11,317 .........11,317 .........11,317 ..................06. 2005............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..............576 ..............576 ..............576 ..............576 ..............576 ..............576 ..................07. 2006............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ...........1,641 ...........1,641 ...........1,641 ...........1,641 ...........1,641 ..................08. 2007............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..............848 ..............848 ..............849 ..............849 ..................09. 2008............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..............843 ..............843 ..............843 ..................010. 2009............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..............721 ..............721 ..................011. 2010............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..............907 ..............90712. Total............................. .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..............93013. Earned Prems.(P-Pt.1). .........31,435 .........37,992 .........70,441 .........51,082 ..........(2,440) ...........2,208 ...........1,248 ...........1,436 ..............842 ..............930 .........XXX.....

SCHEDULE P - PART 6O - REINSURANCENONPROPORTIONAL ASSUMED LIABILITY

SECTION 1Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................. ..........(1,825) ..........(9,347) ..........(5,275) ........(62,611) ...........4,022 ...........5,113 ...........4,849 ...........4,405 ..............416 ..............223 ..............2232. 2001............................ .......340,178 .......348,953 .......347,426 .......348,407 .......349,128 .......349,449 .......349,649 .......349,773 .......349,842 .......349,844 ..................23. 2002............................ .........XXX..... .......204,164 .......182,058 .......182,072 .......182,086 .......182,086 .......182,086 .......182,089 .......182,089 .......182,089 ..................04. 2003............................ .........XXX..... .........XXX..... .......245,765 .......246,840 .......246,837 .......246,837 .......246,837 .......246,837 .......246,837 .......246,837 ..................05. 2004............................ .........XXX..... .........XXX..... .........XXX..... .........99,253 .........99,892 .........99,892 .........99,892 .........99,892 .........99,892 .........99,892 ..................06. 2005............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........49,471 .........49,581 .........49,581 .........49,581 .........49,581 .........49,581 ..................07. 2006............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........44,416 .........44,523 .........44,523 .........44,523 .........44,523 ..................08. 2007............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........32,447 .........32,518 .........32,533 .........32,533 ..................09. 2008............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........27,155 .........27,136 .........27,133 .................(3)10. 2009............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........22,944 .........22,916 ...............(28)11. 2010............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........22,941 .........22,94112. Total............................. .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........23,13513. Earned Prems.(P-Pt.1). .......338,351 .......203,590 .......216,863 .........38,710 .........54,866 .........49,959 .........37,605 .........31,760 .........23,425 .........23,135 .........XXX.....

SECTION 2Cumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................. ..........(2,887) ..........(2,617) .........11,474 ........(36,815) ...........9,482 .........20,229 .............(986) .........48,265 ................40 ..............520 ..............5202. 2001............................ .........81,468 .........79,993 .........79,945 .........81,507 .........81,622 .........77,906 .........78,263 .......126,517 .......126,527 .......126,577 ................503. 2002............................ .........XXX..... .........30,399 .........30,900 .........33,247 .........35,291 .........33,473 .........29,677 .........31,975 .........31,964 .........32,347 ..............3824. 2003............................ .........XXX..... .........XXX..... .......146,001 .......140,169 .......140,253 .......140,371 .......139,272 .......139,272 .......139,272 .......139,272 ..................05. 2004............................ .........XXX..... .........XXX..... .........XXX..... .........51,544 .........51,694 .........51,694 .........51,694 .........51,694 .........51,694 .........51,694 ..................06. 2005............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... ...........8,157 ...........8,157 ...........8,157 ...........8,157 ...........8,157 ...........8,157 ..................07. 2006............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ...........4,864 ...........4,864 ...........4,864 ...........4,864 ...........4,864 ..................08. 2007............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ...........3,167 ...........3,167 ...........3,167 ...........3,167 ..................09. 2008............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ...........1,817 ...........1,817 ...........1,817 ..................010. 2009............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ...........2,014 ...........2,014 ..................011. 2010............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ...........2,836 ...........2,83612. Total............................. .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ...........3,78813. Earned Prems.(P-Pt.1). .........78,584 .........26,306 .......157,932 .........12,806 .........20,037 .........19,672 ..........(2,353) .......100,635 ...........2,054 ...........3,788 .........XXX.....

Page 77: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

86

SCHEDULE P - PART 6R - PRODUCTS LIABILITY - OCCURRENCESECTION 1A

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ..........(4,494) ..........(7,029) ............3,006 ..........(1,713) ..............520 .............(149) ..........(1,503) ...............(95) ..............449 .............(237) .............(237)2. 2001........................... ........297,117 ........310,079 ........308,905 ........309,338 ........308,603 ........308,501 ........308,177 ........307,596 ........307,558 ........307,596 ................383. 2002........................... .........XXX..... ........417,728 ........445,607 ........446,172 ........445,844 ........445,471 ........445,322 ........443,662 ........443,590 ........443,652 ................624. 2003........................... .........XXX..... .........XXX..... ........486,113 ........557,127 ........556,943 ........556,745 ........556,679 ........557,122 ........557,368 ........557,328 ...............(40)5. 2004........................... .........XXX..... .........XXX..... .........XXX..... ........453,929 ........507,594 ........509,111 ........509,945 ........510,728 ........510,963 ........510,488 .............(475)6. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........275,200 ........287,995 ........289,840 ........289,443 ........289,735 ........289,720 ...............(16)7. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........184,583 ........190,557 ........191,723 ........191,735 ........192,336 ..............6008. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........193,929 ........198,145 ........199,617 ........199,732 ..............1159. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........188,712 ........190,558 ........189,547 ..........(1,011)10. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........192,491 ........187,964 ..........(4,527)11. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........166,570 ........166,57012. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ........161,08013. Earned Prems.(P-Pt 1) ........292,626 ........423,665 ........515,825 ........524,229 ........328,138 ........198,077 ........200,542 ........192,583 ........196,934 ........161,080 ...........XXX...

SECTION 2ACumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ............1,111 ............1,406 ..........12,362 ...............(11) ............1,077 ............4,898 ...............(37) ..........(5,390) .............(103) ...............(22) ...............(22)2. 2001........................... ..........22,242 ..........25,458 ..........25,278 ..........25,247 ..........25,247 ..........25,283 ..........25,273 ..........25,293 ..........25,293 ..........25,291 .................(2)3. 2002........................... .........XXX..... ..........54,399 ..........62,460 ..........62,453 ..........62,477 ..........62,487 ..........62,634 ..........62,709 ..........62,707 ..........63,136 ..............4294. 2003........................... .........XXX..... .........XXX..... ..........66,478 ..........90,833 ..........91,068 ..........91,085 ..........91,270 ..........91,271 ..........91,258 ..........91,248 ...............(10)5. 2004........................... .........XXX..... .........XXX..... .........XXX..... ..........55,987 ..........59,616 ..........59,665 ..........59,561 ..........59,563 ..........59,559 ..........59,553 .................(6)6. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..........31,145 ..........30,902 ..........30,865 ..........30,870 ..........30,869 ..........30,869 .................(0)7. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ............9,209 ..........13,647 ..........13,835 ..........13,841 ..........13,842 ..................08. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ............8,271 ..........12,956 ..........13,167 ..........13,173 ..................69. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ............4,580 ............9,803 ..........10,388 ..............58610. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ............4,253 ............9,314 ............5,06011. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ............4,238 ............4,23812. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..........10,27913. Earned Prems.(P-Pt 1) ..........23,351 ..........59,022 ..........86,719 ..........80,298 ..........36,109 ..........13,975 ..........12,848 ............4,170 ............9,570 ..........10,279 ...........XXX...

SCHEDULE P - PART 6R - PRODUCTS LIABILITY - CLAIMS-MADESECTION 1B

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ..............439 ................30 ............1,245 ................77 ..................4 ...............(65) ..................4 ..................1 ..............946 ...............(25) ...............(25)2. 2001........................... ..........18,996 ..........19,809 ..........19,841 ..........19,862 ..........19,862 ..........19,852 ..........19,852 ..........19,852 ..........19,852 ..........19,852 ..................03. 2002........................... .........XXX..... ..........27,906 ..........30,655 ..........30,635 ..........30,637 ..........30,636 ..........30,631 ..........30,631 ..........30,631 ..........30,634 ..................34. 2003........................... .........XXX..... .........XXX..... ..........32,443 ..........36,651 ..........36,617 ..........36,605 ..........36,605 ..........36,605 ..........36,605 ..........36,605 ..................05. 2004........................... .........XXX..... .........XXX..... .........XXX..... ..........30,118 ..........31,958 ..........31,871 ..........31,862 ..........31,804 ..........31,804 ..........31,825 ................216. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..........18,318 ..........18,570 ..........18,314 ..........18,321 ..........18,321 ..........18,340 ................197. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..........16,012 ..........16,009 ..........16,064 ..........16,064 ..........16,055 .................(8)8. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..........17,253 ..........17,113 ..........17,107 ..........17,077 ...............(31)9. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..........19,338 ..........18,970 ..........18,913 ...............(57)10. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..........20,873 ..........19,545 ..........(1,328)11. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..........22,233 ..........22,23312. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..........20,82713. Earned Prems.(P-Pt 1) ..........19,435 ..........28,744 ..........36,469 ..........34,403 ..........20,128 ..........16,084 ..........16,981 ..........19,196 ..........21,447 ..........20,827 ...........XXX...

SECTION 2BCumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Earned1. Prior............................ ................43 ..................4 ..................3 ..................3 ..................2 ..................2 ..................2 ..................2 ..................0 ..................0 ..................02. 2001........................... ............2,803 ............3,120 ............3,124 ............3,125 ............3,125 ............3,125 ............3,125 ............3,125 ............3,125 ............3,125 ..................03. 2002........................... .........XXX..... ............5,190 ............6,076 ............6,076 ............6,076 ............6,076 ............6,076 ............6,076 ............6,076 ............6,076 ..................04. 2003........................... .........XXX..... .........XXX..... ............4,528 ............6,609 ............6,609 ............6,609 ............6,609 ............6,609 ............6,609 ............6,609 ..................05. 2004........................... .........XXX..... .........XXX..... .........XXX..... ............5,279 ............5,407 ............5,416 ............5,416 ............5,416 ............5,416 ............5,417 ..................06. 2005........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ............2,443 ............2,487 ............2,607 ............2,607 ............2,607 ............2,608 ..................17. 2006........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..............268 ..............269 ..............269 ..............269 ..............269 ..................08. 2007........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ................28 ................28 ................28 ................28 ..................09. 2008........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ................71 ................71 ................49 ...............(23)10. 2009........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..............416 ............1,328 ..............91211. 2010........................... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ..............519 ..............51912. Total............................ .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... .........XXX..... ............1,41013. Earned Prems.(P-Pt 1) ............2,846 ............5,511 ............5,418 ............7,364 ............2,571 ..............322 ..............149 ................71 ..............416 ............1,410 ...........XXX...

Page 78: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

87

SCHEDULE P - PART 7A - PRIMARY LOSS SENSITIVE CONTRACTS($000 Omitted)

SECTION 11 2 3 4 5 6

Net Lossesand Net

Expenses Loss Premiums LossTotal Net Unpaid on Sensitive Written on Sensitive

Losses and Loss as Total Net Loss asExpenses Sensitive Percentage Premiums Sensitive Percentage

Schedule P - Part 1 Unpaid Contracts of Total Written Contracts of Total1. Homeowners/farmowners.......................................................... ..............1,065,797 ............................0 .........................0.0 ..............3,364,118 ............................0 .........................0.02. Private passenger auto liability/medical..................................... ..............2,241,957 ............................0 .........................0.0 ..............2,393,341 ............................0 .........................0.03. Commercial auto/truck liability/medical...................................... ..............2,111,268 ...................33,049 .........................1.6 ..............1,522,897 ...................15,568 .........................1.04. Workers' compensation.............................................................. ............12,679,468 ..............1,682,599 .......................13.3 ..............2,618,722 .................154,476 .........................5.95. Commercial multiple peril........................................................... ..............3,374,223 ............................0 .........................0.0 ..............2,845,578 ............................0 .........................0.06. Medical malpractice - occurrence.............................................. ...................48,936 ............................0 .........................0.0 .........................(12) ............................0 .........................0.07. Medical malpractice - claims-made............................................ .................125,949 ............................0 .........................0.0 ...........................(3) ............................0 .........................0.08. Special liability........................................................................... .................292,916 ............................0 .........................0.0 .................458,771 ............................0 .........................0.09. Other liability - occurrence......................................................... ..............7,281,287 ...................41,939 .........................0.6 ..............1,674,982 .....................1,936 .........................0.1

10. Other liability - claims-made....................................................... ..............2,763,030 ............................0 .........................0.0 .................900,371 ............................0 .........................0.011. Special property......................................................................... .................910,741 ............................0 .........................0.0 ..............1,805,010 ............................0 .........................0.012. Auto physical damage................................................................ .................146,814 ............................0 .........................0.0 ..............1,818,181 ............................0 .........................0.013. Fidelity/surety............................................................................. ..............1,355,494 ............................0 .........................0.0 ..............1,000,821 ............................0 .........................0.014. Other.......................................................................................... ...................24,264 ............................0 .........................0.0 .....................1,486 ............................0 .........................0.015. International............................................................................... .....................8,667 ............................0 .........................0.0 .....................3,415 ............................0 .........................0.016. Reinsurance - nonproportional assumed property..................... ............XXX............ ............XXX............ ............XXX............ ............XXX............ ............XXX............ ............XXX............17. Reinsurance - nonproportional assumed liability....................... ............XXX............ ............XXX............ ............XXX............ ............XXX............ ............XXX............ ............XXX............18. Reinsurance - nonproportional assumed financial lines............ ............XXX............ ............XXX............ ............XXX............ ............XXX............ ............XXX............ ............XXX............19. Products liability - occurrence.................................................... ..............2,500,908 ...................14,839 .........................0.6 .................147,236 ........................483 .........................0.320. Products liability - claims-made................................................. ...................65,481 ............................0 .........................0.0 ...................20,062 ............................0 .........................0.021. Financial guaranty/mortgage guaranty...................................... ............................0 ............................0 .........................0.0 ............................0 ............................0 .........................0.022. Warranty.................................................................................... ............................0 ............................0 .........................0.0 ............................0 ............................0 .........................0.023. Totals......................................................................................... ............36,997,201 ..............1,772,425 .........................4.8 ............20,574,977 .................172,463 .........................0.8

SECTION 2Incurred Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2001 2002 2003 2004 2005 2006 2007 2008 2009 20101. Prior............. ......15,969,581 ......16,097,534 ......16,136,271 ......16,163,566 ......16,098,960 ......16,256,449 ......16,251,306 ......16,286,872 ......16,212,722 ......16,253,3542. 2001............ .............69,594 ...........162,933 ...........202,447 ...........199,256 ...........209,136 ...........210,644 ...........215,380 ...........207,898 ...........212,890 ...........214,1263. 2002............ ........XXX.......... ...........120,767 ...........231,271 ...........190,026 ...........242,568 ...........242,890 ...........240,326 ...........238,796 ...........258,630 ...........251,4554. 2003............ ........XXX.......... ........XXX.......... ...........158,668 ...........439,539 ...........293,108 ...........299,914 ...........290,247 ...........279,807 ...........290,270 ...........289,7515. 2004............ ........XXX.......... ........XXX.......... ........XXX.......... ...........114,718 ...........289,653 ...........275,116 ...........277,452 ...........245,251 ...........245,722 ...........255,9356. 2005............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........167,037 ...........222,440 ...........242,111 ...........214,425 ...........208,414 ...........204,3607. 2006............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........199,107 ...........218,596 ...........207,563 ...........202,307 ...........193,7968. 2007............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........174,244 ...........222,121 ...........218,633 ...........208,8469. 2008............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........224,654 ...........209,396 ...........210,774

10. 2009............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........177,321 ...........191,19811. 2010............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........166,033

SECTION 3Bulk and Incurred But Not Reported Reserves for Losses and Defense and Cost Containment Expenses at Year End ($000 omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2001 2002 2003 2004 2005 2006 2007 2008 2009 20101. Prior............. ...........914,406 ...........818,235 ...........689,654 ...........592,630 ...........549,341 ...........571,754 ...........566,947 ...........562,856 ...........472,510 ...........416,0642. 2001............ .............38,500 .............60,513 .............60,377 .............47,319 .............28,474 .............27,663 .............33,117 .............22,415 .............17,863 .............15,5383. 2002............ ........XXX.......... .............71,821 .............85,622 .............19,213 .............51,035 .............42,593 .............40,100 .............29,253 .............39,635 .............35,8714. 2003............ ........XXX.......... ........XXX.......... .............97,682 ...........289,854 ...........102,177 .............72,435 .............59,402 .............38,855 .............37,340 .............31,6355. 2004............ ........XXX.......... ........XXX.......... ........XXX.......... .............65,652 ...........152,450 .............89,854 .............89,291 .............47,642 .............47,842 .............47,2256. 2005............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........109,041 ...........104,765 .............98,152 .............60,084 .............52,791 .............48,4767. 2006............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........153,788 ...........114,613 .............69,844 .............64,948 .............58,0828. 2007............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........133,311 ...........102,915 .............78,281 .............63,1469. 2008............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........134,158 .............75,165 .............54,600

10. 2009............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........113,093 .............87,45111. 2010............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........103,947

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Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

88

SCHEDULE P - PART 7A - PRIMARY LOSS SENSITIVE CONTRACTS (continued)SECTION 4

Net Earned Premiums Reported at Year End ($000 omitted)Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2001 2002 2003 2004 2005 2006 2007 2008 2009 20101. Prior............. ......21,999,157 ......21,948,222 ......21,920,227 ......21,884,681 ......21,878,032 ......21,907,047 ......21,910,898 ......21,910,512 ......21,931,404 ......21,936,9312. 2001............ ...........120,417 ...........245,599 ...........243,832 ...........265,838 ...........278,331 ...........265,892 ...........268,027 ...........271,262 ...........271,162 ...........269,0423. 2002............ ........XXX.......... ...........172,051 ...........341,396 ...........364,857 ...........344,187 ...........350,820 ...........352,337 ...........340,521 ...........341,167 ...........341,5784. 2003............ ........XXX.......... ........XXX.......... ...........204,698 ...........423,360 ...........422,389 ...........392,521 ...........388,561 ...........370,556 ...........350,377 ...........374,8975. 2004............ ........XXX.......... ........XXX.......... ........XXX.......... ...........197,905 ...........375,888 ...........352,261 ...........348,197 ...........320,766 ...........316,180 ...........327,5616. 2005............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........210,646 ...........301,130 ...........266,954 ...........274,958 ...........265,930 ...........269,1157. 2006............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........146,706 ...........244,903 ...........236,949 ...........243,633 ...........244,1518. 2007............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........130,448 ...........239,407 ...........231,097 ...........232,6879. 2008............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........127,459 ...........235,972 ...........233,505

10. 2009............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........122,624 ...........220,42011. 2010............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........117,241

SECTION 5Net Reserve for Premium Adjustments and Accrued Retrospective Premiums at Year End ($000 omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2001 2002 2003 2004 2005 2006 2007 2008 2009 20101. Prior............. ...........341,722 ...........278,611 ...........241,844 ...........199,857 .............85,880 .............66,316 .............40,048 .............21,680 .............17,780 ...............7,0292. 2001............ ...............2,825 .................(714) ...............7,639 .............19,106 .............19,307 .............11,707 ...............9,886 ...............7,657 ...............5,587 ...............3,3313. 2002............ ........XXX.......... ...............5,124 .............11,316 .............35,161 .............42,727 .............25,769 .............21,391 .............11,333 ...............8,934 ...............5,4644. 2003............ ........XXX.......... ........XXX.......... ...............9,893 ...............7,335 .............40,354 .............38,870 .............30,332 .............12,844 ...............8,101 ...............8,9835. 2004............ ........XXX.......... ........XXX.......... ........XXX.......... .............11,078 ...............8,002 .............15,795 .............40,436 .............14,962 ...............7,881 .............11,2716. 2005............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... .............10,510 ............(21,567) ...............5,280 .............29,122 .............16,982 .............14,8057. 2006............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ......................0 ............(20,116) .............17,095 .............29,466 .............17,2958. 2007............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ..................780 ...............2,524 .............24,317 .............25,4159. 2008............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...............1,317 .................(337) .............22,019

10. 2009............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ......................0 ..............(6,766)11. 2010............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...............6,139

Page 80: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

89

SCHEDULE P - PART 7B - REINSURANCE LOSS SENSITIVE CONTRACTS($000 Omitted)

SECTION 11 2 3 4 5 6

Net Lossesand Net

Expenses Loss Premiums LossTotal Net Unpaid on Sensitive Written on Sensitive

Losses and Loss as Total Net Loss asExpenses Sensitive Percentage Premiums Sensitive Percentage

Schedule P - Part 1 Unpaid Contracts of Total Written Contracts of Total1. Homeowners/farmowners.......................................................... ..............1,065,797 ............................0 .........................0.0 ..............3,364,118 ............................0 .........................0.02. Private passenger auto liability/medical..................................... ..............2,241,957 ............................0 .........................0.0 ..............2,393,341 ............................0 .........................0.03. Commercial auto/truck liability/medical...................................... ..............2,111,268 ............................0 .........................0.0 ..............1,522,897 ............................0 .........................0.04. Workers' compensation.............................................................. ............12,679,468 ............................0 .........................0.0 ..............2,618,722 ............................0 .........................0.05. Commercial multiple peril........................................................... ..............3,374,223 ............................0 .........................0.0 ..............2,845,578 ............................0 .........................0.06. Medical malpractice - occurrence.............................................. ...................48,936 ............................0 .........................0.0 .........................(12) ............................0 .........................0.07. Medical malpractice - claims-made............................................ .................125,949 ............................0 .........................0.0 ...........................(3) ............................0 .........................0.08. Special liability........................................................................... .................292,916 ............................0 .........................0.0 .................458,771 ............................0 .........................0.09. Other liability - occurrence......................................................... ..............7,281,287 ............................0 .........................0.0 ..............1,674,982 ............................0 .........................0.0

10. Other liability - claims-made....................................................... ..............2,763,030 ............................0 .........................0.0 .................900,371 ............................0 .........................0.011. Special property......................................................................... .................910,741 ............................0 .........................0.0 ..............1,805,010 ............................0 .........................0.012. Auto physical damage................................................................ .................146,814 ............................0 .........................0.0 ..............1,818,181 ............................0 .........................0.013. Fidelity/surety............................................................................. ..............1,355,494 ............................0 .........................0.0 ..............1,000,821 ............................0 .........................0.014. Other.......................................................................................... ...................24,264 ............................0 .........................0.0 .....................1,486 ............................0 .........................0.015. International............................................................................... .....................8,667 ............................0 .........................0.0 .....................3,415 ............................0 .........................0.016. Reinsurance - nonproportional assumed property..................... ...................44,567 ............................0 .........................0.0 ....................(1,807) ............................0 .........................0.017. Reinsurance - nonproportional assumed liability....................... ..............1,050,483 ............................0 .........................0.0 ...................19,397 ............................0 .........................0.018. Reinsurance - nonproportional assumed financial lines............ ...................23,591 ............................0 .........................0.0 .....................1,891 ............................0 .........................0.019. Products liability - occurrence.................................................... ..............2,500,908 ............................0 .........................0.0 .................147,236 ............................0 .........................0.020. Products liability - claims-made................................................. ...................65,481 ............................0 .........................0.0 ...................20,062 ............................0 .........................0.021. Warranty.................................................................................... ............................0 ............................0 .........................0.0 ............................0 ............................0 .........................0.0

22. Financial guaranty/mortgage guaranty...................................... ............................0 ............................0 .........................0.0 ............................0 ............................0 .........................0.0

23. Totals ............38,115,842 ............................0 .........................0.0 ............20,594,458 ............................0 .........................0.0

SCHEDULE P - PART 7B - REINSURANCE LOSS SENSITIVE CONTRACTS (continued)SECTION 2

Incurred Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2001 2002 2003 2004 2005 2006 2007 2008 2009 20101. Prior........................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................02. 2001.......................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................03. 2002.......................... .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................04. 2003.......................... .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................05. 2004.......................... .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................06. 2005.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................07. 2006.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................08. 2007.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................09. 2008.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0

10. 2009.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................011. 2010.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0

SECTION 3Bulk and Incurred But Not Reported Reserves for Losses and Defense and Cost Containment Expenses at Year End ($000 omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2001 2002 2003 2004 2005 2006 2007 2008 2009 20101. Prior........................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................02. 2001.......................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................03. 2002.......................... .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................04. 2003.......................... .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................05. 2004.......................... .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................06. 2005.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................07. 2006.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................08. 2007.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................09. 2008.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0

10. 2009.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................011. 2010.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0

Page 81: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

90

SCHEDULE P - PART 7B - REINSURANCE LOSS SENSITIVE CONTRACTS (continued)SECTION 4

Net Earned Premiums Reported At Year End ($000 Omitted)Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior........................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

2. 2001.......................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

3. 2002.......................... .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

4. 2003.......................... .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

5. 2004.......................... .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

6. 2005.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

7. 2006.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0

8. 2007.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0

9. 2008.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0

10. 2009.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0

11. 2010.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0

SECTION 5Net Reserve For Premium Adjustments And Accrued Retrospective Premiums At Year End ($000 Omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior........................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

2. 2001.......................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

3. 2002.......................... .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

4. 2003.......................... .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

5. 2004.......................... .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

6. 2005.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

7. 2006.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0

8. 2007.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0

9. 2008.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0

10. 2009.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0

11. 2010.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0

SECTION 6Incurred Adjustable Commissions Reported At Year End ($000 Omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2001 2002 2003 2004 2005 2006 2007 2008 2009 20101. Prior........................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................02. 2001.......................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................03. 2002.......................... .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................04. 2003.......................... .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................05. 2004.......................... .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................06. 2005.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................07. 2006.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................08. 2007.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................09. 2008.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0

10. 2009.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................011. 2010.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0

SECTION 7Reserves For Commission Adjustments At Year End ($000 Omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1. Prior........................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

2. 2001.......................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

3. 2002.......................... .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

4. 2003.......................... .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

5. 2004.......................... .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

6. 2005.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

7. 2006.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0 .....................0

8. 2007.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0 .....................0

9. 2008.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 .....................0

10. 2009.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0

11. 2010.......................... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0

Page 82: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

92

SCHEDULE T - EXHIBIT OF PREMIUMS WRITTEN Allocated by States and Territories

1 Gross Premiums, Including Policy and 4 5 6 7 8 9Membership Fees, Less Return Premiums Dividends Paid Finance and Direct Premiums

and Premiums on Policies Not Taken or Credited Direct Losses Service Written for2 3 to Policyholders Paid Charges Federal Pur-

Active Direct Premiums Direct Premiums on Direct (Deducting Direct Losses Direct Losses not Included chasing GroupsStates, Etc. Status Written Earned Business Salvage) Incurred Unpaid in Premiums (Incl. in Col. 2)

1. Alabama..............................AL ......L.......... ..........319,407,653 ...........317,794,327 ..........208,320 ....196,572,820 ....179,134,697 ....603,714,406 .......1,642,613 ............287,0972. Alaska.................................AK ......L.......... ............25,156,519 .............27,396,487 ............19,695 ........9,518,220 ........5,732,311 ......48,225,588 ..............4,398 ..............27,5303. Arizona................................AZ ......L.......... ..........301,735,248 ...........297,607,543 ..........313,093 ....172,891,506 ....249,938,171 ....502,661,145 ..........985,107 ............630,2414. Arkansas.............................AR ......L.......... ..........177,252,175 ...........175,642,668 ..........206,969 ......97,180,727 ....109,058,137 ....265,604,751 ..........732,012 ............156,4125. California.............................CA ......L.......... .......2,227,734,241 ........2,177,450,437 ..........974,232 ....976,267,000 ....998,528,025 .3,733,886,518 .......8,932,893 .........3,527,8746. Colorado.............................CO ......L.......... ..........416,854,055 ...........413,880,360 ..........206,769 ....252,613,614 ....224,325,388 ....501,398,519 .......1,321,625 .........1,068,1697. Connecticut.........................CT ......L.......... ..........611,520,993 ...........608,614,942 ..........469,488 ....318,599,715 ....212,324,814 .1,177,135,487 .......5,118,855 ............422,8118. Delaware.............................DE ......L.......... ............70,744,876 .............73,335,262 ............20,666 ......41,012,254 ......20,123,010 ....205,076,462 ..........318,427 ............113,4849. District of Columbia.............DC ......L.......... ..........159,492,702 ...........155,052,174 ..........119,106 ......57,846,864 ......39,354,135 ....216,019,654 ..........550,216 ..............35,633

10. Florida..................................FL ......L.......... ..........991,195,956 ...........981,812,038 .......2,649,502 ....457,622,557 ....344,915,775 .1,827,391,629 .......1,958,371 .........3,425,10611. Georgia...............................GA ......L.......... ..........728,012,612 ...........730,837,830 ..........603,381 ....424,636,074 ....348,021,305 ....909,466,700 .......3,944,536 ............764,06612. Hawaii...................................HI ......L.......... ............31,984,802 .............33,656,912 .................205 ......14,763,564 ........6,917,478 ......78,318,864 ............13,566 ............524,02613. Idaho....................................ID ......L.......... ............71,233,540 .............69,934,388 ............52,122 ......34,284,691 ......21,152,252 ......72,231,753 ..........254,788 ..............92,23214. Illinois....................................IL ......L.......... ..........875,095,996 ...........865,763,316 ..........722,208 ....526,634,956 ....487,228,740 .1,546,652,185 .......3,083,418 ............548,02515. Indiana..................................IN ......L.......... ..........310,943,956 ...........301,238,199 ............86,858 ....141,936,982 ....127,109,974 ....418,297,992 ..........847,558 ............148,64116. Iowa......................................IA ......L.......... ..........148,009,003 ...........142,286,213 ..........280,633 ......62,931,515 ......74,586,051 ....302,001,271 ..........277,391 ..............38,07817. Kansas................................KS ......L.......... ..........243,587,678 ...........246,149,363 ..........130,837 ....124,844,342 ....120,587,304 ....319,697,597 ..........882,352 ..............58,35318. Kentucky.............................KY ......L.......... ..........229,675,597 ...........224,302,706 ............66,705 ......90,952,708 ......91,338,103 ....385,612,608 ..........870,841 ..............74,05719. Louisiana.............................LA ......L.......... ..........317,581,773 ...........322,137,242 ..........188,142 ....157,180,500 ....123,019,561 ....729,293,449 ..........476,105 .........1,033,50220. Maine..................................ME ......L.......... ............85,213,806 .............84,359,258 ..............9,743 ......42,317,527 ......32,527,043 ....134,327,965 ..........646,295 ..............10,15021. Maryland.............................MD ......L.......... ..........510,918,517 ...........514,477,760 ..........168,032 ....278,256,629 ....299,403,336 ....627,299,844 .......2,318,000 ............214,36422. Massachusetts....................MA ......L.......... ..........817,991,572 ...........842,459,314 ..........421,156 ....421,943,874 ....362,913,306 .1,318,457,734 .......4,718,676 ............298,81023. Michigan...............................MI ......L.......... ..........282,297,026 ...........284,248,485 ..........189,119 ....177,039,345 ......93,019,063 ....820,256,451 ..........366,421 ............276,79224. Minnesota...........................MN ......L.......... ..........339,725,319 ...........327,033,428 ..........415,708 ....192,117,787 ....172,399,978 ....652,676,222 ..........974,209 ............362,33525. Mississippi..........................MS ......L.......... ..........195,151,016 ...........199,159,661 ..........196,923 ......71,869,153 ......67,053,839 ....342,732,441 ..........494,471 ............765,78826. Missouri..............................MO ......L.......... ..........423,326,905 ...........412,153,361 ..........133,125 ....274,973,959 ....260,025,623 ....662,923,208 .......1,568,199 ............853,52127. Montana..............................MT ......L.......... ..........112,498,704 ...........109,839,001 ............99,954 ......79,549,796 ......80,933,176 ....120,194,388 ..........480,075 ..............18,95328. Nebraska.............................NE ......L.......... ..........138,999,068 ...........136,860,001 ..........428,370 ......73,515,277 ......90,856,122 ....242,578,370 ..........259,572 ..............10,78029. Nevada................................NV ......L.......... ..........151,772,799 ...........152,622,994 ..........117,306 ......68,208,106 ......62,837,742 ....208,456,247 ..........526,591 .........2,401,89630. New Hampshire..................NH ......L.......... ............89,032,328 .............85,413,896 ............30,498 ......56,056,090 ......49,094,440 ....148,568,747 ..........462,338 ..............39,88331. New Jersey..........................NJ ......L.......... ..........881,197,480 ...........890,913,574 .......1,060,275 ....495,500,171 ....430,026,816 .1,566,158,769 .......5,987,510 .........1,407,75032. New Mexico........................NM ......L.......... ..........118,930,122 ...........116,892,229 ..........168,913 ......66,811,799 ......65,549,180 ....158,360,215 ..........294,552 ............251,11933. New York............................NY ......L.......... .......2,214,983,442 ........2,210,123,842 .......1,260,993 .1,195,354,921 ....928,853,671 .3,535,537,428 .....18,371,531 .........2,733,04834. North Carolina.....................NC ......L.......... ..........538,993,485 ...........543,493,525 ..........253,082 ....246,486,064 ....227,083,384 ....687,427,024 .......2,672,871 ............180,83435. North Dakota.......................ND ......L.......... ............34,408,547 .............33,741,093 ............44,081 ......12,294,524 ......12,800,952 ......28,265,596 ............23,458 ................3,36036. Ohio....................................OH ......L.......... ..........401,918,633 ...........385,420,963 ............32,551 ....228,383,572 ....182,725,882 ....741,636,183 .......1,842,698 ............150,77237. Oklahoma...........................OK ......L.......... ..........282,573,966 ...........275,323,411 ..........144,003 ....267,901,633 ....302,887,428 ....339,330,077 ..........261,081 ............446,20838. Oregon................................OR ......L.......... ..........185,534,590 ...........183,959,506 ............12,992 ......74,164,084 ......66,535,643 ....240,380,645 ..........742,769 ..............48,79939. Pennsylvania.......................PA ......L.......... .......1,167,969,719 ........1,126,904,143 ..........674,627 ....640,356,180 ....585,157,266 .1,916,267,796 .......8,474,660 ............516,02740. Rhode Island........................RI ......L.......... ..........101,583,267 .............95,418,276 ..............2,358 ......77,507,230 ......49,360,826 ....178,542,617 ..........702,399 ..............47,38341. South Carolina....................SC ......L.......... ..........372,103,763 ...........373,347,634 ............74,906 ....211,437,418 ....183,972,010 ....362,862,224 .......2,599,314 ............855,72342. South Dakota......................SD ......L.......... ............34,910,073 .............33,600,231 ............84,986 ......12,112,270 ......11,908,204 ......64,521,747 ............30,595 ................8,03943. Tennessee..........................TN ......L.......... ..........447,496,997 ...........434,211,854 ..........189,130 ....300,348,907 ....324,819,685 ....671,050,505 .......1,760,890 ............135,53744. Texas...................................TX ......L.......... .......1,408,140,783 ........1,405,344,255 .......7,183,499 ....688,237,915 ....507,788,182 .2,103,118,195 .......4,900,366 .........1,243,70745. Utah.....................................UT ......L.......... ..........162,132,349 ...........160,503,870 ............76,982 ......52,046,021 ......54,476,748 ....201,959,560 ..........526,724 ..............16,12846. Vermont...............................VT ......L.......... ............49,886,778 .............49,326,300 ............24,734 ......29,410,500 ......21,791,075 ......94,252,010 ..........315,302 ..............23,43647. Virginia................................VA ......L.......... ..........643,771,022 ...........656,198,320 ..........204,832 ....310,609,363 ....290,766,557 ....760,642,931 .......4,048,039 .........1,201,65048. Washington........................WA ......L.......... ..........277,200,283 ...........272,768,714 ............56,472 ....130,864,230 ....122,548,727 ....363,572,769 .......1,193,475 ............674,18649. West Virginia......................WV ......L.......... ..........116,594,899 ...........113,685,986 ............75,652 ......78,090,533 ......77,090,943 ....178,556,319 ............75,480 ..............16,44450. Wisconsin............................WI ......L.......... ..........346,013,969 ...........338,376,275 .......9,020,512 ....174,598,839 ....179,814,734 ....718,762,831 ..........619,294 ..............98,16551. Wyoming............................WY ......L.......... ............53,638,207 .............55,745,966 ............32,607 ......24,638,586 ......25,474,548 ......53,560,111 ............58,908 ................6,52652. American Samoa.................AS ......N.......... ............................0 .............................0 .....................0 ......................0 ......................0 ......................0 .....................0 .......................053. Guam..................................GU ......L.......... .................840,830 ..................586,755 .....................0 .............14,903 .............16,602 .............23,639 .....................0 .......................054. Puerto Rico.........................PR ......L.......... ..............7,894,137 ...............7,275,181 .....................0 ........1,599,192 .......(6,731,513) ......23,112,660 ...................60 .......................055. US Virgin Islands..................VI ......L.......... ..............1,324,988 ...............1,320,194 .....................0 ........6,594,992 ........6,679,681 ........1,162,228 .....................0 .......................056. Northern Mariana Islands...MP ......L.......... ............................0 .............................0 .....................0 ......................0 ......................0 ......................0 .....................0 .......................057. Canada...............................CN ......L.......... ..........221,289,372 ...........219,351,471 .....................0 ......86,855,962 ......79,296,494 ....416,228,457 .....................0 .......................058. Aggregate Other Alien........OT ......XXX..... ............65,810,575 .............67,636,664 .....................0 ......15,084,274 ......18,663,956 ....245,944,092 .....................0 .......................059. Totals....................................... (a).........55 .....21,541,288,707 ......21,364,989,799 .....30,207,052 11,321,442,237 10,103,816,577 34,772,394,820 ...100,531,898 .......28,293,449

DETAILS OF WRITE-INS5801. Other Alien Combined.............. ......XXX..... ............65,810,575 .............67,636,664 .....................0 ......15,084,274 ......18,663,956 ....245,944,092 .....................0 .......................05802. ................................................. ......XXX..... ............................0 .............................0 .....................0 ......................0 ......................0 ......................0 .....................0 .......................05803. ................................................. ......XXX..... ............................0 .............................0 .....................0 ......................0 ......................0 ......................0 .....................0 .......................05898. Summary of remaining

write-ins for Line 58 fromoverflow page ......XXX..... ..............................0 ...............................0 .......................0 ........................0 ........................0 ........................0 .......................0 ........................0

5899. Totals (Lines 5801 thru 5803+Line 5898) (Line 58 above) ......XXX..... ..............65,810,575 ...............67,636,664 .......................0 ........15,084,274 ........18,663,956 ......245,944,092 .......................0 ........................0

(a) Insert the number of "L" responses except for Canada and Other Alien. Explanation of Basis of Allocation of Premiums by States, etc.Location of property: 1 Fire, 2 Allied lines, 3 Farmowners, 4 Homeowners, 5 CMP, 12 Earthquake, 25 Glass, 26 Burglary and theft, 27 Boiler and machinery, 28 credit;Location of risk: 11 Medical malpractice, 14 Group A&H, 17 Other liability; Location of garage: 19 Auto liability, 21 Auto physical damage, 8 Ocean marine - Where policyis negotiated and placed; 9 Inland marine - Where located; 10 Financial guaranty - Location of principal; 15 Other A&H - Insured's residence; 16 Workers' compensation- Location of employee's workplace; 23 Fidelity - Location of insured's principal office; 22 Aircraft - Location of airport from which insured's aircraft operates; 24 Surety- Depository, supply contract and miscellaneous: Location of principal; Judicial: Location of court; Licensee: Location of obligee; Construction: Location of work.

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Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

SI04

SCHEDULE D - SUMMARY BY COUNTRY Long-Term Bonds and Stocks OWNED December 31 of Current Year

1 2 3 4Book/Adjusted Par Value

Description Carrying Value Fair Value Actual Cost of Bonds

BONDS 1. United States........................ ................2,778,358,497 ................2,946,917,896 ................2,826,503,086 ................2,731,346,742

Governments (Including all obligations 2. Canada................................. ...................927,982,959 ...................964,104,080 ...................939,063,054 ...................915,458,832

guaranteed by governments) 3. Other Countries.................... ...................320,995,997 ...................327,551,846 ...................319,386,897 ...................313,884,998

4. Totals.................................... ................4,027,337,453 ................4,238,573,821 ................4,084,953,036 ................3,960,690,573

U.S. States, Territories and Possessions

(Direct and guaranteed) 5. Totals.................................... ................7,906,515,146 ................8,260,530,882 ................8,196,206,709 ................7,663,861,456

U.S. Political Subdivisions of States, Territories

and Possessions (Direct and guaranteed) 6. Totals.................................... ..............14,852,439,502 ..............15,364,066,947 ..............15,220,661,746 ..............14,359,222,908

U.S. Special Revenue and Special Assessment

Obligations and All Non-Guaranteed Obligations

of Agencies and Authorities of Governments

and Their Political Subdivisions 7. Totals.................................... ..............17,224,725,085 ..............17,954,642,318 ..............17,668,847,716 ..............16,854,707,633

Industrial and Miscellaneous, Credit Tenant 8. United States........................ ..............11,217,393,658 ..............11,906,928,453 ..............11,326,013,235 ..............11,469,622,943

Loans and Hybrid Securities (Unaffiliated) 9. Canada................................. ...................484,347,960 ...................516,571,733 ...................488,089,276 ...................512,136,250

10. Other Countries.................... ................1,091,487,511 ................1,178,756,573 ................1,095,467,944 ................1,127,886,593

11. Totals.................................... ..............12,793,229,130 ..............13,602,256,760 ..............12,909,570,455 ..............13,109,645,786

Parent, Subsidiaries and Affiliates 12. Totals.................................... ......................................0 ......................................0 ......................................0 ......................................0

13. Total Bonds......................... ..............56,804,246,317 ..............59,420,070,728 ..............58,080,239,663 ..............55,948,128,355

PREFERRED STOCKS 14. United States........................ ...................125,536,741 ...................127,849,790 ...................129,792,612

Industrial and Miscellaneous (Unaffiliated) 15. Canada................................. ......................................0 ......................................0 ......................................0

16. Other Countries.................... .....................30,242,125 .....................36,935,725 .....................28,326,500

17. Totals.................................... ...................155,778,866 ...................164,785,515 ...................158,119,112

Parent, Subsidiaries and Affiliates 18. Totals.................................... ......................................0 ......................................0 ......................................0

19. Total Preferred Stocks....... ...................155,778,866 ...................164,785,515 ...................158,119,112

COMMON STOCKS 20. United States........................ ...................264,168,167 ...................264,168,167 ...................154,148,974

Industrial and Miscellaneous (Unaffiliated) 21. Canada................................. ......................................0 ......................................0 ......................................0

22. Other Countries.................... ..........................762,266 ..........................762,266 ..........................420,092

23. Totals.................................... ...................264,930,433 ...................264,930,433 ...................154,569,066

Parent, Subsidiaries and Affiliates 24. Totals.................................... ...................415,648,977 ...................415,648,978 ................1,067,803,729

25. Total Common Stocks....... ...................680,579,410 ...................680,579,410 ................1,222,372,796

26. Total Stocks........................ ...................836,358,276 ...................845,364,925 ................1,380,491,908

27. Total Bonds and Stocks.... ..............57,640,604,592 ..............60,265,435,653 ..............59,460,731,571

Page 84: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

SI05

SCHEDULE D - PART 1A - SECTION 1 Quality and Maturity Distribution of All Bonds Owned December 31, At Book/Adjusted Carrying Values By Major Types of Issues and NAIC Designations

1 2 3 4 5 6 7 8 9 10 11Quality Rating per the 1 Year Over 1 Year Over 5 Years Over 10 Years Over 20 Total Column 6 as a Total from Column % from Col. 7 Total Total

NAIC Designation or Less Through 5 Years Through 10 Years Through 20 Years Years Current Year % of Line 10.7 6 Prior Year Prior Year Publicly Traded Privately Placed (a)1. U.S. Governments

1.1 Class 1............................................................................................. ..........1,137,300,638 ..........1,217,160,353 .............349,170,996 ...............87,615,809 .................5,366,055 ..........2,796,613,852 ............................4.8 ..........3,492,942,997 ............................5.7 ..........2,796,276,694 ....................337,1581.2 Class 2............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................01.3 Class 3............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................01.4 Class 4............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................01.5 Class 5............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................01.6 Class 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................01.7 Totals............................................................................................... ..........1,137,300,638 ..........1,217,160,353 .............349,170,996 ...............87,615,809 .................5,366,055 ..........2,796,613,852 ............................4.8 ..........3,492,942,997 ............................5.7 ..........2,796,276,694 ....................337,158

2. All Other Governments2.1 Class 1............................................................................................. .............365,841,515 .............575,734,735 .............290,006,468 .................2,138,822 ...............................0 ..........1,233,721,539 ............................2.1 ..........1,272,712,197 ............................2.1 ..........1,206,465,833 ...............27,255,7052.2 Class 2............................................................................................. ...............................0 ...............18,727,731 .................8,488,008 .................5,125,708 ...............................0 ...............32,341,447 ............................0.1 ...............32,391,466 ............................0.1 ...............30,119,052 .................2,222,3952.3 Class 3............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................02.4 Class 4............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................02.5 Class 5............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................02.6 Class 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................02.7 Totals............................................................................................... .............365,841,515 .............594,462,466 .............298,494,476 .................7,264,529 ...............................0 ..........1,266,062,986 ............................2.2 ..........1,305,103,663 ............................2.1 ..........1,236,584,886 ...............29,478,100

3. U.S. States, Territories and Possessions, etc., Guaranteed3.1 Class 1............................................................................................. .............712,286,997 ..........2,779,591,047 ..........2,265,914,295 ..........2,079,504,932 ...............15,942,293 ..........7,853,239,565 ..........................13.4 ..........8,713,108,906 ..........................14.2 ..........7,853,239,565 ...............................03.2 Class 2............................................................................................. .................2,022,140 ...............25,331,247 ...............29,031,986 .................1,014,648 ...............................0 ...............57,400,021 ............................0.1 .............128,209,417 ............................0.2 ...............57,400,021 ...............................03.3 Class 3............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................03.4 Class 4............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................03.5 Class 5............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................03.6 Class 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 .................1,514,379 ............................0.0 ...............................0 ...............................03.7 Totals............................................................................................... .............714,309,137 ..........2,804,922,294 ..........2,294,946,281 ..........2,080,519,580 ...............15,942,293 ..........7,910,639,585 ..........................13.5 ..........8,842,832,702 ..........................14.4 ..........7,910,639,585 ...............................0

4. U.S. Political Subdivisions of States, Territories andPossessions, Guaranteed

4.1 Class 1............................................................................................. .............609,607,118 ..........3,028,505,386 ..........4,709,692,710 ..........6,259,953,995 ...............69,465,719 ........14,677,224,928 ..........................25.1 ........14,506,290,375 ..........................23.6 ........14,667,984,928 .................9,240,0004.2 Class 2............................................................................................. ...............................0 ...............48,153,177 ...............35,791,244 ...............91,270,153 ...............................0 .............175,214,574 ............................0.3 .............137,442,572 ............................0.2 .............175,214,574 ...............................04.3 Class 3............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................04.4 Class 4............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................04.5 Class 5............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................04.6 Class 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................04.7 Totals............................................................................................... .............609,607,118 ..........3,076,658,563 ..........4,745,483,954 ..........6,351,224,148 ...............69,465,719 ........14,852,439,503 ..........................25.4 ........14,643,732,947 ..........................23.9 ........14,843,199,503 .................9,240,000

5. U.S. Special Revenue & Special Assessment Obligations,etc., Non-Guaranteed

5.1 Class 1............................................................................................. ..........1,194,789,230 ..........5,930,415,486 ..........4,340,437,691 ..........5,003,229,502 .............472,779,679 ........16,941,651,588 ..........................29.0 ........18,208,806,674 ..........................29.7 ........16,904,238,837 ...............37,412,7515.2 Class 2............................................................................................. ...............35,433,741 ...............41,639,698 .............137,357,439 ...............18,373,127 ...............20,610,800 .............253,414,806 ............................0.4 .............179,672,830 ............................0.3 .............253,414,806 ...............................05.3 Class 3............................................................................................. ...............................0 ...............16,000,000 ...............................0 ...............................0 .................6,423,550 ...............22,423,550 ............................0.0 ...............22,445,880 ............................0.0 ...............22,423,550 ...............................05.4 Class 4............................................................................................. ...............................0 ...............................0 ....................778,862 ...............................0 ...............................0 ....................778,862 ............................0.0 ....................739,280 ............................0.0 ....................778,862 ...............................05.5 Class 5............................................................................................. ....................642,643 ....................213,528 .................5,600,104 ...............................0 ...............................0 .................6,456,275 ............................0.0 .................5,819,178 ............................0.0 .................3,090,128 .................3,366,1475.6 Class 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................3 ...............................3 ............................0.0 .................7,092,365 ............................0.0 ...............................3 ...............................05.7 Totals............................................................................................... ..........1,230,865,615 ..........5,988,268,712 ..........4,484,174,096 ..........5,021,602,629 .............499,814,032 ........17,224,725,084 ..........................29.5 ........18,424,576,207 ..........................30.0 ........17,183,946,186 ...............40,778,897

Page 85: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

SI06

SCHEDULE D - PART 1A - SECTION 1 (continued) Quality and Maturity Distribution of All Bonds Owned December 31, At Book/Adjusted Carrying Values By Major Types of Issues and NAIC Designations

1 2 3 4 5 6 7 8 9 10 11Quality Rating per the 1 Year Over 1 Year Over 5 Years Over 10 Years Over 20 Total Column 6 as a Total from Column % from Col. 7 Total Total

NAIC Designation or Less Through 5 Years Through 10 Years Through 20 Years Years Current Year % of Line 10.7 6 Prior Year Prior Year Publicly Traded Privately Placed (a)6. Industrial and Miscellaneous (unaffiliated)

6.1 Class 1............................................................................................. ..........2,305,025,511 ..........4,046,773,821 ..........2,389,254,265 .............360,634,471 .............246,647,419 ..........9,348,335,488 ..........................16.0 ..........9,960,075,792 ..........................16.2 ..........8,600,896,986 .............747,438,5026.2 Class 2............................................................................................. .............266,081,117 ..........1,603,004,496 ..........1,634,888,245 .............189,655,504 ...............51,745,597 ..........3,745,374,960 ............................6.4 ..........3,442,534,643 ............................5.6 ..........3,144,424,029 .............600,950,9306.3 Class 3............................................................................................. ...............33,374,184 .............288,983,124 .............388,219,269 ...............19,789,275 .................9,810,196 .............740,176,048 ............................1.3 .............663,056,863 ............................1.1 .............627,422,651 .............112,753,3976.4 Class 4............................................................................................. .................7,870,136 .............181,336,022 .............171,254,187 ...............20,307,036 ...............................0 .............380,767,381 ............................0.7 .............379,679,712 ............................0.6 .............344,170,188 ...............36,597,1946.5 Class 5............................................................................................. .................5,379,925 ...............57,819,276 ...............22,904,595 ...............................0 ....................684,035 ...............86,787,831 ............................0.1 ...............93,548,396 ............................0.2 ...............86,787,831 ...............................06.6 Class 6............................................................................................. ......................46,484 .................8,153,664 ...............14,861,700 ...........................366 ...............10,053,888 ...............33,116,102 ............................0.1 ...............56,011,279 ............................0.1 ...............31,069,617 .................2,046,4856.7 Totals............................................................................................... ..........2,617,777,357 ..........6,186,070,403 ..........4,621,382,262 .............590,386,652 .............318,941,135 ........14,334,557,809 ..........................24.5 ........14,594,906,684 ..........................23.8 ........12,834,771,301 ..........1,499,786,508

7. Credit Tenant Loans7.1 Class 1............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................07.2 Class 2............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................07.3 Class 3............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................07.4 Class 4............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................07.5 Class 5............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................07.6 Class 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................07.7 Totals............................................................................................... ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................0

8. Hybrid Securities8.1 Class 1............................................................................................. ...............................0 ...............................0 ...............................0 ......................45,734 ...............14,059,595 ...............14,105,328 ............................0.0 .................9,610,175 ............................0.0 .................6,032,428 .................8,072,9008.2 Class 2............................................................................................. ...............................0 ...............................0 ...............................0 ....................674,770 ...............27,342,630 ...............28,017,400 ............................0.0 ...............36,635,460 ............................0.1 ...............27,317,400 ....................700,0008.3 Class 3............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ....................522,570 ....................522,570 ............................0.0 .................1,842,570 ............................0.0 ......................42,250 ....................480,3208.4 Class 4............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ....................874,950 ....................874,950 ............................0.0 ....................874,950 ............................0.0 ....................874,950 ...............................08.5 Class 5............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ....................240,270 ....................240,270 ............................0.0 ....................400,410 ............................0.0 ...............................0 ....................240,2708.6 Class 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 .................1,165,140 .................1,165,140 ............................0.0 .................1,005,000 ............................0.0 ....................645,000 ....................520,1408.7 Totals............................................................................................... ...............................0 ...............................0 ...............................0 ....................720,504 ...............44,205,155 ...............44,925,658 ............................0.1 ...............50,368,565 ............................0.1 ...............34,912,028 ...............10,013,630

9. Parent, Subsidiaries and Affiliates9.1 Class 1............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................09.2 Class 2............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................09.3 Class 3............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................09.4 Class 4............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................09.5 Class 5............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................09.6 Class 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................09.7 Totals............................................................................................... ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................0

Page 86: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

SI07

SCHEDULE D - PART 1A - SECTION 1 (continued) Quality and Maturity Distribution of All Bonds Owned December 31, At Book/Adjusted Carrying Values By Major Types of Issues and NAIC Designations

1 2 3 4 5 6 7 8 9 10 11Quality Rating per the 1 Year Over 1 Year Over 5 Years Over 10 Years Over 20 Total Column 6 as a Total from Column % from Col. 7 Total Total

NAIC Designation or Less Through 5 Years Through 10 Years Through 20 Years Years Current Year % of Line 10.7 6 Prior Year Prior Year Publicly Traded Privately Placed (a)10. Total Bonds Current Year

10.1 Class 1............................................................................................. (d).....6,324,851,010 ........17,578,180,827 ........14,344,476,425 ........13,793,123,264 .............824,260,761 ........52,864,892,287 ..........................90.5 ..............XXX............. ..............XXX............. ........52,035,135,272 .............829,757,01510.2 Class 2............................................................................................. (d)........303,536,998 ..........1,736,856,349 ..........1,845,556,923 .............306,113,910 ...............99,699,027 ..........4,291,763,208 ............................7.3 ..............XXX............. ..............XXX............. ..........3,687,889,883 .............603,873,32510.3 Class 3............................................................................................. (d)..........33,374,184 .............304,983,124 .............388,219,269 ...............19,789,275 ...............16,756,316 .............763,122,168 ............................1.3 ..............XXX............. ..............XXX............. .............649,888,451 .............113,233,71710.4 Class 4............................................................................................. (d)............7,870,136 .............181,336,022 .............172,033,049 ...............20,307,036 ....................874,950 .............382,421,193 ............................0.7 ..............XXX............. ..............XXX............. .............345,823,999 ...............36,597,19410.5 Class 5............................................................................................. (d)............6,022,567 ...............58,032,804 ...............28,504,700 ...............................0 ....................924,305 (c)...........93,484,376 ............................0.2 ..............XXX............. ..............XXX............. ...............89,877,959 .................3,606,41710.6 Class 6............................................................................................. (d)..................46,484 .................8,153,664 ...............14,861,700 ...........................366 ...............11,219,031 (c)...........34,281,245 ............................0.1 ..............XXX............. ..............XXX............. ...............31,714,620 .................2,566,62510.7 Totals............................................................................................... ..........6,675,701,379 ........19,867,542,791 ........16,793,652,066 ........14,139,333,851 .............953,734,390 (b)...58,429,964,477 ........................100.0 ..............XXX............. ..............XXX............. ........56,840,330,183 ..........1,589,634,29310.8 Line 10.7 as a % of Col. 6............................................................... ..........................11.4 ..........................34.0 ..........................28.7 ..........................24.2 ............................1.6 ........................100.0 ..............XXX............. ..............XXX............. ..............XXX............. ..........................97.3 ............................2.7

11. Total Bonds Prior Year11.1 Class 1............................................................................................. ..........6,078,397,033 ........18,014,676,081 ........15,545,239,351 ........15,388,270,897 ..........1,136,963,754 ..............XXX............. ..............XXX............. ........56,163,547,116 ..........................91.5 ........55,408,527,291 .............755,019,82511.2 Class 2............................................................................................. .............201,035,482 ..........1,595,885,223 ..........1,606,702,684 .............435,875,138 .............117,387,862 ..............XXX............. ..............XXX............. ..........3,956,886,389 ............................6.4 ..........3,344,339,128 .............612,547,26011.3 Class 3............................................................................................. ...............19,705,756 .............299,476,295 .............305,433,209 ...............45,438,817 ...............17,291,237 ..............XXX............. ..............XXX............. .............687,345,313 ............................1.1 .............574,148,454 .............113,196,85911.4 Class 4............................................................................................. ...............12,461,576 .............175,480,455 .............180,448,926 ...............12,028,034 ....................874,950 ..............XXX............. ..............XXX............. .............381,293,941 ............................0.6 .............359,988,970 ...............21,304,97111.5 Class 5............................................................................................. ....................120,915 ...............59,720,293 ...............29,313,100 .................5,713,265 .................4,900,410 ..............XXX............. ..............XXX............. (c)...........99,767,984 ............................0.2 ...............95,754,669 .................4,013,31511.6 Class 6............................................................................................. ....................445,000 ...............21,780,451 ...............23,948,171 .................8,135,694 ...............11,313,706 ..............XXX............. ..............XXX............. (c)...........65,623,022 ............................0.1 ...............48,767,032 ...............16,855,99011.7 Totals............................................................................................... ..........6,312,165,762 ........20,167,018,799 ........17,691,085,440 ........15,895,461,845 ..........1,288,731,919 ..............XXX............. ..............XXX............. (b)...61,354,463,765 ........................100.0 ........59,831,525,544 ..........1,522,938,22111.8 Line 11.7 as a % of Col. 8............................................................... ..........................10.3 ..........................32.9 ..........................28.8 ..........................25.9 ............................2.1 ..............XXX............. ..............XXX............. ........................100.0 ..............XXX............. ..........................97.5 ............................2.5

12. Total Publicly Traded Bonds12.1 Class 1............................................................................................. ..........6,258,400,062 ........17,119,795,747 ........14,127,689,953 ........13,713,061,649 .............816,187,860 ........52,035,135,271 ..........................89.1 ........55,408,527,291 ..........................90.3 ........52,035,135,271 ..............XXX.............12.2 Class 2............................................................................................. .............256,514,855 ..........1,506,326,698 ..........1,547,561,337 .............294,395,941 ...............83,091,051 ..........3,687,889,883 ............................6.3 ..........3,344,339,128 ............................5.5 ..........3,687,889,883 ..............XXX.............12.3 Class 3............................................................................................. ...............33,124,184 .............275,666,730 .............310,476,016 ...............19,789,275 ...............10,832,246 .............649,888,451 ............................1.1 .............574,148,454 ............................0.9 .............649,888,451 ..............XXX.............12.4 Class 4............................................................................................. .................7,870,136 .............174,681,381 .............144,005,497 ...............18,392,036 ....................874,950 .............345,823,999 ............................0.6 .............359,988,970 ............................0.6 .............345,823,999 ..............XXX.............12.5 Class 5............................................................................................. .................6,022,567 ...............58,032,804 ...............25,138,553 ...............................0 ....................684,035 ...............89,877,959 ............................0.2 ...............95,754,669 ............................0.2 ...............89,877,959 ..............XXX.............12.6 Class 6............................................................................................. ...............................0 .................6,153,664 ...............14,861,700 ...........................366 ...............10,698,890 ...............31,714,620 ............................0.1 ...............48,767,032 ............................0.1 ...............31,714,620 ..............XXX.............12.7 Totals............................................................................................... ..........6,561,931,804 ........19,140,657,024 ........16,169,733,056 ........14,045,639,266 .............922,369,032 ........56,840,330,183 ..........................97.3 ........59,831,525,544 ..........................97.5 ........56,840,330,183 ..............XXX.............12.8 Line 12.7 as a % of Col. 6............................................................... ..........................11.5 ..........................33.7 ..........................28.4 ..........................24.7 ............................1.6 ........................100.0 ..............XXX............. ..............XXX............. ..............XXX............. ........................100.0 ..............XXX.............12.9 Line 12.7 as a % of Line 10.7, Col. 6, Section 10.......................... ..........................11.2 ..........................32.8 ..........................27.7 ..........................24.0 ............................1.6 ..........................97.3 ..............XXX............. ..............XXX............. ..............XXX............. ..........................97.3 ..............XXX.............

13. Total Privately Placed Bonds13.1 Class 1............................................................................................. ...............66,450,948 .............458,385,080 .............216,786,473 ...............80,061,615 .................8,072,900 .............829,757,015 ............................1.4 .............755,019,825 ............................1.2 ..............XXX............. .............829,757,01513.2 Class 2............................................................................................. ...............47,022,143 .............230,529,651 .............297,995,586 ...............11,717,969 ...............16,607,976 .............603,873,325 ............................1.0 .............612,547,260 ............................1.0 ..............XXX............. .............603,873,32513.3 Class 3............................................................................................. ....................250,000 ...............29,316,394 ...............77,743,254 ...............................0 .................5,924,070 .............113,233,717 ............................0.2 .............113,196,859 ............................0.2 ..............XXX............. .............113,233,71713.4 Class 4............................................................................................. ...............................0 .................6,654,642 ...............28,027,552 .................1,915,000 ...............................0 ...............36,597,194 ............................0.1 ...............21,304,971 ............................0.0 ..............XXX............. ...............36,597,19413.5 Class 5............................................................................................. ...............................0 ...............................0 .................3,366,147 ...............................0 ....................240,270 .................3,606,417 ............................0.0 .................4,013,315 ............................0.0 ..............XXX............. .................3,606,41713.6 Class 6............................................................................................. ......................46,484 .................2,000,000 ...............................0 ...............................0 ....................520,141 .................2,566,625 ............................0.0 ...............16,855,990 ............................0.0 ..............XXX............. .................2,566,62513.7 Totals............................................................................................... .............113,769,575 .............726,885,767 .............623,919,010 ...............93,694,584 ...............31,365,357 ..........1,589,634,293 ............................2.7 ..........1,522,938,221 ............................2.5 ..............XXX............. ..........1,589,634,29313.8 Line 13.7 as a % of Col. 6............................................................... ............................7.2 ..........................45.7 ..........................39.2 ............................5.9 ............................2.0 ........................100.0 ..............XXX............. ..............XXX............. ..............XXX............. ..............XXX............. ........................100.013.9 Line 13.7 as a % of Line 10.7, Col. 6, Section 10.......................... ............................0.2 ............................1.2 ............................1.1 ............................0.2 ............................0.1 ............................2.7 ..............XXX............. ..............XXX............. ..............XXX............. ..............XXX............. ............................2.7

(a) Includes $.....1,060,588,778 freely tradable under SEC Rule 144 or qualified for resale under SEC Rule 144A.(b) Includes $.....82,022,271 current year, $.....61,245,277 prior year of bonds with Z designations and $.....1,833,066,129 current year, $.....1,932,481,682 prior year of bonds with Z* designations. The letter "Z" means the NAIC designation was not assigned by the

Securities Valuation Office (SVO) at the date of the statement. "Z*" means the SVO could not evaluate the obligation because valuation procedures for the security class are under regulatory review.(c) Includes $.....9,210,430 current year, $.....9,297,618 prior year of bonds with 5* designations and $.....2,000,000 current year, $.....23,990,241 prior year of bonds with 6* designations. "5*" means the NAIC designation was assigned by the SVO in reliance on

the insurer's certification that the issuer is current in all principal and interest payments. "6*" means the NAIC designation was assigned by the SVO due to inadequate certification of principal and interest payments.(d) Includes the following amount of non-rated short-term and cash equivalent bonds by NAIC designation: NAIC 1 $.....726; NAIC 2 $............0; NAIC 3 $............0; NAIC 4 $............0; NAIC 5 $............0; NAIC 6 $............0.

Page 87: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

SI08

SCHEDULE D - PART 1A - SECTION 2 Maturity Distribution of All Bonds Owned December 31, At Book/Adjusted Carrying Values By Major Type and Subtype of Issues

1 2 3 4 5 6 7 8 9 10 111 Year Over 1 Year Over 5 Years Over 10 Years Over 20 Total Column 6 as a Total from Column % from Col. 7 Total Total

Distribution by Type or Less Through 5 Years Through 10 Years Through 20 Years Years Current Year % of Line 10.7 6 Prior Year Prior Year Publicly Traded Privately Placed1. U.S. Governments

1.1 Issuer Obligations.................................................................................... .............971,163,490 .............776,772,637 .............163,916,374 ...............7,938,472 ...............1,172,576 ..........1,920,963,549 ............................3.3 ..........2,464,623,677 ..........................4.0 ..........1,920,963,549 .............................01.2 Single Class Mortgage-Backed/Asset-Backed Securities...................... .............166,137,148 .............440,387,715 .............185,254,622 .............79,677,338 ...............4,193,479 .............875,650,303 ............................1.5 ..........1,028,319,320 ..........................1.7 .............875,313,145 ..................337,1581.7 Totals....................................................................................................... ..........1,137,300,638 ..........1,217,160,353 .............349,170,996 .............87,615,809 ...............5,366,055 ..........2,796,613,852 ............................4.8 ..........3,492,942,997 ..........................5.7 ..........2,796,276,694 ..................337,158

2. All Other Governments2.1 Issuer Obligations.................................................................................... .............365,841,515 .............594,462,466 .............298,494,476 ...............7,264,529 .............................0 ..........1,266,062,986 ............................2.2 ..........1,143,259,476 ..........................1.9 ..........1,236,584,886 .............29,478,1002.2 Single Class Mortgage-Backed/Asset-Backed Securities...................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 .............161,844,187 ..........................0.3 ...............................0 .............................0

MULTI-CLASS RESIDENTIAL MORTGAGE-BACKED SECURITIES:2.3 Defined.................................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................02.4 Other........................................................................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................0

MULTI-CLASS COMMERCIAL MORTGAGE-BACKED/ASSET-BACKED SECURITIES:

2.5 Defined.................................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................02.6 Other........................................................................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................02.7 Totals....................................................................................................... .............365,841,515 .............594,462,466 .............298,494,476 ...............7,264,529 .............................0 ..........1,266,062,986 ............................2.2 ..........1,305,103,663 ..........................2.1 ..........1,236,584,886 .............29,478,100

3. U.S. States, Territories and Possessions, Guaranteed3.1 Issuer Obligations.................................................................................... .............714,309,137 ..........2,804,922,294 ..........2,294,946,281 ........2,080,519,580 .............15,942,294 ..........7,910,639,586 ..........................13.5 ..........8,807,021,563 ........................14.4 ..........7,910,639,585 .............................03.2 Single Class Mortgage-Backed/Asset-Backed Securities...................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............35,811,139 ..........................0.1 ...............................0 .............................0

MULTI-CLASS RESIDENTIAL MORTGAGE-BACKED SECURITIES:3.3 Defined.................................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................03.4 Other........................................................................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................0

MULTI-CLASS COMMERCIAL MORTGAGE-BACKED/ASSET-BACKED SECURITIES:

3.5 Defined.................................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................03.6 Other........................................................................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................03.7 Totals....................................................................................................... .............714,309,137 ..........2,804,922,294 ..........2,294,946,281 ........2,080,519,580 .............15,942,294 ..........7,910,639,586 ..........................13.5 ..........8,842,832,702 ........................14.4 ..........7,910,639,585 .............................0

4. U.S. Political Subdivisions of States, Territories andPossessions, Guaranteed

4.1 Issuer Obligations.................................................................................... .............609,607,118 ..........3,076,658,563 ..........4,745,483,954 ........6,351,224,148 .............69,465,719 ........14,852,439,503 ..........................25.4 ........14,630,962,276 ........................23.8 ........14,843,199,503 ...............9,240,0004.2 Single Class Mortgage-Backed/Asset-Backed Securities...................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............12,770,671 ..........................0.0 ...............................0 .............................0

MULTI-CLASS RESIDENTIAL MORTGAGE-BACKED SECURITIES:4.3 Defined.................................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................04.4 Other........................................................................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................0

MULTI-CLASS COMMERCIAL MORTGAGE-BACKED/ASSET-BACKED SECURITIES:

4.5 Defined.................................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................04.6 Other........................................................................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................04.7 Totals....................................................................................................... .............609,607,118 ..........3,076,658,563 ..........4,745,483,954 ........6,351,224,148 .............69,465,719 ........14,852,439,503 ..........................25.4 ........14,643,732,947 ........................23.9 ........14,843,199,503 ...............9,240,000

5. U.S. Special Revenue & Special Assessment Obligations, etc.,Non-Guaranteed

5.1 Issuer Obligations.................................................................................... .............911,148,614 ..........4,899,979,379 ..........4,101,923,339 ........4,915,927,083 ...........330,432,531 ........15,159,410,945 ..........................25.9 ........15,610,302,023 ........................25.4 ........15,140,974,014 .............18,436,9315.2 Single Class Mortgage-Backed/Asset-Backed Securities...................... .............214,995,221 .............515,059,101 .............222,476,703 ...........103,099,704 ...........169,381,502 ..........1,225,012,231 ............................2.1 ..........1,709,717,346 ..........................2.8 ..........1,218,779,386 ...............6,232,845

MULTI-CLASS RESIDENTIAL MORTGAGE-BACKED SECURITIES:5.3 Defined.................................................................................................... ...............79,623,493 .............507,524,585 .............125,549,905 ...............2,575,841 .............................0 .............715,273,824 ............................1.2 .............909,827,392 ..........................1.5 .............699,164,703 .............16,109,1215.4 Other........................................................................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................0

MULTI-CLASS COMMERCIAL MORTGAGE-BACKED/ASSET-BACKED SECURITIES:

5.5 Defined.................................................................................................... ...............25,098,286 ...............65,705,647 ...............30,124,150 .............................0 .............................0 .............120,928,083 ............................0.2 .............194,729,446 ..........................0.3 .............120,928,083 .............................05.6 Other........................................................................................................ ...............................0 ...............................0 .................4,100,000 .............................0 .............................0 .................4,100,000 ............................0.0 ...............................0 ..........................0.0 .................4,100,000 .............................05.7 Totals....................................................................................................... ..........1,230,865,615 ..........5,988,268,712 ..........4,484,174,096 ........5,021,602,628 ...........499,814,032 ........17,224,725,083 ..........................29.5 ........18,424,576,208 ........................30.0 ........17,183,946,186 .............40,778,897

Page 88: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

SI09

SCHEDULE D - PART 1A - SECTION 2 (continued) Maturity Distribution of All Bonds Owned December 31, At Book/Adjusted Carrying Values By Major Type and Subtype of Issues

1 2 3 4 5 6 7 8 9 10 111 Year Over 1 Year Over 5 Years Over 10 Years Over 20 Total Column 6 as a Total from Column % from Col. 7 Total Total

Distribution by Type or Less Through 5 Years Through 10 Years Through 20 Years Years Current Year % of Line 10.7 6 Prior Year Prior Year Publicly Traded Privately Placed6. Industrial and Miscellaneous (unaffiliated)

6.1 Issuer Obligations.................................................................................... ..........2,479,585,526 ..........5,046,460,599 ..........4,243,105,468 ...........489,599,412 ...........108,415,338 ........12,367,166,344 ..........................21.2 ........11,997,117,700 ........................19.6 ........10,874,264,268 ........1,492,902,0766.2 Single Class Mortgage-Backed/Asset-Backed Securities...................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ......................58,854 ..........................0.0 ...............................0 .............................0

MULTI-CLASS RESIDENTIAL MORTGAGE-BACKED SECURITIES:6.3 Defined.................................................................................................... ...............43,163,808 .............536,892,707 ...............13,362,271 .............22,532,418 .............40,196,738 .............656,147,943 ............................1.1 ..........1,050,816,555 ..........................1.7 .............655,650,075 ..................497,8676.4 Other........................................................................................................ ...............39,991,845 .............447,413,450 .............280,012,734 .............27,621,876 ...............9,317,344 .............804,357,250 ............................1.4 .............895,872,207 ..........................1.5 .............804,310,765 ....................46,484

MULTI-CLASS COMMERCIAL MORTGAGE-BACKED/ASSET-BACKED SECURITIES:

6.5 Defined.................................................................................................... ...............51,400,577 .............137,952,317 ...............46,938,710 .............................0 ...........149,001,621 .............385,293,225 ............................0.7 .............497,616,246 ..........................0.8 .............378,953,145 ...............6,340,0796.6 Other........................................................................................................ .................3,635,602 ...............17,351,329 ...............37,963,078 .............50,632,946 .............12,010,093 .............121,593,048 ............................0.2 .............153,425,122 ..........................0.3 .............121,593,048 .............................16.7 Totals....................................................................................................... ..........2,617,777,357 ..........6,186,070,403 ..........4,621,382,262 ...........590,386,652 ...........318,941,135 ........14,334,557,808 ..........................24.5 ........14,594,906,684 ........................23.8 ........12,834,771,301 ........1,499,786,508

7. Credit Tenant Loans7.1 Issuer Obligations.................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................07.2 Single Class Mortgage-Backed Securities.............................................. ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................07.7 Totals....................................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................0

8. Hybrid Securities8.1 Issuer Obligations.................................................................................... ...............................0 ...............................0 ...............................0 ..................720,504 .............44,205,155 ...............44,925,658 ............................0.1 ...............50,368,565 ..........................0.1 ...............34,912,028 .............10,013,6308.2 Single Class Mortgage-Backed/Asset-Backed Securities...................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................0

MULTI-CLASS RESIDENTIAL MORTGAGE-BACKED SECURITIES:8.3 Defined.................................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................08.4 Other........................................................................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................0

MULTI-CLASS COMMERCIAL MORTGAGE-BACKED/ASSET-BACKED SECURITIES:

8.5 Defined.................................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................08.6 Other........................................................................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................08.7 Totals....................................................................................................... ...............................0 ...............................0 ...............................0 ..................720,504 .............44,205,155 ...............44,925,658 ............................0.1 ...............50,368,565 ..........................0.1 ...............34,912,028 .............10,013,630

9. Parent, Subsidiaries and Affiliates9.1 Issuer Obligations.................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................09.2 Single Class Mortgage-Backed/Asset-Backed Securities...................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................0

MULTI-CLASS RESIDENTIAL MORTGAGE-BACKED SECURITIES:9.3 Defined.................................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................09.4 Other........................................................................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................0

MULTI-CLASS COMMERCIAL MORTGAGE-BACKED/ASSET-BACKED SECURITIES:

9.5 Defined.................................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................09.6 Other........................................................................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................09.7 Totals....................................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................0

Page 89: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

SI10

SCHEDULE D - PART 1A - SECTION 2 (continued) Maturity Distribution of All Bonds Owned December 31, At Book/Adjusted Carrying Values By Major Type and Subtype of Issues

1 2 3 4 5 6 7 8 9 10 111 Year Over 1 Year Over 5 Years Over 10 Years Over 20 Total Column 6 as a Total from Column % from Col. 7 Total Total

Distribution by Type or Less Through 5 Years Through 10 Years Through 20 Years Years Current Year % of Line 10.7 6 Prior Year Prior Year Publicly Traded Privately Placed10. Total Bonds Current Year

10.1 Issuer Obligations.................................................................................... ..........6,051,655,399 ........17,199,255,940 ........15,847,869,892 ......13,853,193,727 ...........569,633,613 ........53,521,608,570 ..........................91.6 ..............XXX............. ..............XXX........... ........51,961,537,833 ........1,560,070,73710.2 Single Class Mortgage-Backed/Asset-Backed Securities...................... .............381,132,370 .............955,446,816 .............407,731,326 ...........182,777,042 ...........173,574,981 ..........2,100,662,534 ............................3.6 ..............XXX............. ..............XXX........... ..........2,094,092,531 ...............6,570,003

MULTI-CLASS RESIDENTIAL MORTGAGE-BACKED SECURITIES:10.3 Defined.................................................................................................... .............122,787,301 ..........1,044,417,292 .............138,912,176 .............25,108,260 .............40,196,738 ..........1,371,421,767 ............................2.3 ..............XXX............. ..............XXX........... ..........1,354,814,779 .............16,606,98810.4 Other........................................................................................................ ...............39,991,845 .............447,413,450 .............280,012,734 .............27,621,876 ...............9,317,344 .............804,357,250 ............................1.4 ..............XXX............. ..............XXX........... .............804,310,765 ....................46,484

MULTI-CLASS COMMERCIAL MORTGAGE-BACKED/ASSET-BACKED SECURITIES:

10.5 Defined.................................................................................................... ...............76,498,863 .............203,657,964 ...............77,062,860 .............................0 ...........149,001,621 .............506,221,307 ............................0.9 ..............XXX............. ..............XXX........... .............499,881,228 ...............6,340,07910.6 Other........................................................................................................ .................3,635,602 ...............17,351,329 ...............42,063,078 .............50,632,946 .............12,010,093 .............125,693,048 ............................0.2 ..............XXX............. ..............XXX........... .............125,693,048 .............................110.7 Totals....................................................................................................... ..........6,675,701,380 ........19,867,542,791 ........16,793,652,066 ......14,139,333,851 ...........953,734,390 ........58,429,964,477 ........................100.0 ..............XXX............. ..............XXX........... ........56,840,330,183 ........1,589,634,29310.8 Line 10.7 as a % of Col. 6....................................................................... ..........................11.4 ..........................34.0 ..........................28.7 ........................24.2 ..........................1.6 ........................100.0 ..............XXX............. ..............XXX............. ..............XXX........... ..........................97.3 ..........................2.7

11. Total Bonds Prior Year11.1 Issuer Obligations.................................................................................... ..........5,258,523,056 ........16,629,163,234 ........16,515,614,002 ......15,510,188,553 ...........790,166,435 ..............XXX............. ..............XXX............. ........54,703,655,280 ........................89.2 ........53,194,568,342 ........1,509,086,93911.2 Single Class Mortgage-Backed/Asset-Backed Securities...................... .............551,905,886 ..........1,309,577,430 .............544,770,386 ...........281,088,829 ...........261,178,986 ..............XXX............. ..............XXX............. ..........2,948,521,516 ..........................4.8 ..........2,941,518,443 ...............7,003,073

MULTI-CLASS RESIDENTIAL MORTGAGE-BACKED SECURITIES:11.3 Defined.................................................................................................... .............233,298,621 ..........1,425,484,103 .............238,361,648 .............17,122,525 .............46,377,051 ..............XXX............. ..............XXX............. ..........1,960,643,948 ..........................3.2 ..........1,960,114,265 ..................529,68311.4 Other........................................................................................................ .............117,095,674 .............482,444,237 .............260,263,721 .............35,123,641 ..................944,934 ..............XXX............. ..............XXX............. .............895,872,207 ..........................1.5 .............895,872,207 .............................0

MULTI-CLASS COMMERCIAL MORTGAGE-BACKED/ASSET-BACKED SECURITIES:

11.5 Defined.................................................................................................... .............117,365,134 .............294,880,012 .............102,054,302 .............................0 ...........178,046,243 ..............XXX............. ..............XXX............. .............692,345,692 ..........................1.1 .............686,027,167 ...............6,318,52511.6 Other........................................................................................................ ...............33,977,390 ...............25,469,783 ...............30,021,381 .............51,938,298 .............12,018,270 ..............XXX............. ..............XXX............. .............153,425,122 ..........................0.3 .............153,425,121 .............................111.7 Totals....................................................................................................... ..........6,312,165,761 ........20,167,018,800 ........17,691,085,439 ......15,895,461,846 ........1,288,731,919 ..............XXX............. ..............XXX............. ........61,354,463,765 ......................100.0 ........59,831,525,546 ........1,522,938,22111.8 Line 11.7 as a % of Col. 8....................................................................... ..........................10.3 ..........................32.9 ..........................28.8 ........................25.9 ..........................2.1 ..............XXX............. ..............XXX............. ........................100.0 ..............XXX........... ..........................97.5 ..........................2.5

12. Total Publicly Traded Bonds12.1 Issuer Obligations.................................................................................... ..........5,937,932,308 ........16,488,479,294 ........15,232,791,259 ......13,764,066,717 ...........538,268,256 ........51,961,537,834 ..........................88.9 ........53,194,568,342 ........................86.7 ........51,961,537,834 ..............XXX...........12.2 Single Class Mortgage-Backed/Asset-Backed Securities...................... .............381,132,370 .............955,446,816 .............405,728,896 ...........178,209,468 ...........173,574,981 ..........2,094,092,531 ............................3.6 ..........2,941,518,443 ..........................4.8 ..........2,094,092,531 ..............XXX...........

MULTI-CLASS RESIDENTIAL MORTGAGE-BACKED SECURITIES:12.3 Defined.................................................................................................... .............122,787,301 ..........1,028,308,171 .............138,414,309 .............25,108,260 .............40,196,738 ..........1,354,814,779 ............................2.3 ..........1,960,114,265 ..........................3.2 ..........1,354,814,779 ..............XXX...........12.4 Other........................................................................................................ ...............39,945,361 .............447,413,450 .............280,012,734 .............27,621,876 ...............9,317,344 .............804,310,765 ............................1.4 .............895,872,207 ..........................1.5 .............804,310,765 ..............XXX...........

MULTI-CLASS COMMERCIAL MORTGAGE-BACKED/ASSET-BACKED SECURITIES:

12.5 Defined.................................................................................................... ...............76,498,863 .............203,657,964 ...............70,722,780 .............................0 ...........149,001,621 .............499,881,228 ............................0.9 .............686,027,167 ..........................1.1 .............499,881,228 ..............XXX...........12.6 Other........................................................................................................ .................3,635,602 ...............17,351,329 ...............42,063,078 .............50,632,946 .............12,010,093 .............125,693,047 ............................0.2 .............153,425,121 ..........................0.3 .............125,693,047 ..............XXX...........12.7 Totals....................................................................................................... ..........6,561,931,805 ........19,140,657,024 ........16,169,733,056 ......14,045,639,267 ...........922,369,032 ........56,840,330,184 ..........................97.3 ........59,831,525,546 ........................97.5 ........56,840,330,184 ..............XXX...........12.8 Line 12.7 as a % of Col. 6....................................................................... ..........................11.5 ..........................33.7 ..........................28.4 ........................24.7 ..........................1.6 ........................100.0 ..............XXX............. ..............XXX............. ..............XXX........... ........................100.0 ..............XXX...........12.9 Line 12.7 as a % of Line 10.7, Col. 6, Section 10.................................. ..........................11.2 ..........................32.8 ..........................27.7 ........................24.0 ..........................1.6 ..........................97.3 ..............XXX............. ..............XXX............. ..............XXX........... ..........................97.3 ..............XXX...........

13. Total Privately Placed Bonds13.1 Issuer Obligations.................................................................................... .............113,723,091 .............710,776,646 .............615,078,634 .............89,127,010 .............31,365,356 ..........1,560,070,737 ............................2.7 ..........1,509,086,939 ..........................2.5 ..............XXX............. ........1,560,070,73713.2 Single Class Mortgage-Backed/Asset-Backed Securities...................... ...............................0 ...............................0 .................2,002,430 ...............4,567,574 .............................0 .................6,570,003 ............................0.0 .................7,003,073 ..........................0.0 ..............XXX............. ...............6,570,003

MULTI-CLASS RESIDENTIAL MORTGAGE-BACKED SECURITIES:13.3 Defined.................................................................................................... ...............................0 ...............16,109,121 ....................497,867 .............................0 .............................0 ...............16,606,988 ............................0.0 ....................529,683 ..........................0.0 ..............XXX............. .............16,606,98813.4 Other........................................................................................................ ......................46,484 ...............................0 ...............................0 .............................0 .............................0 ......................46,484 ............................0.0 ...............................0 ..........................0.0 ..............XXX............. ....................46,484

MULTI-CLASS COMMERCIAL MORTGAGE-BACKED/ASSET-BACKED SECURITIES:

13.5 Defined.................................................................................................... ...............................0 ...............................0 .................6,340,079 .............................0 .............................0 .................6,340,079 ............................0.0 .................6,318,525 ..........................0.0 ..............XXX............. ...............6,340,07913.6 Other........................................................................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................1 ...............................1 ............................0.0 ...............................1 ..........................0.0 ..............XXX............. .............................113.7 Totals....................................................................................................... .............113,769,575 .............726,885,767 .............623,919,010 .............93,694,584 .............31,365,357 ..........1,589,634,293 ............................2.7 ..........1,522,938,221 ..........................2.5 ..............XXX............. ........1,589,634,29313.8 Line 13.7 as a % of Col. 6....................................................................... ............................7.2 ..........................45.7 ..........................39.2 ..........................5.9 ..........................2.0 ........................100.0 ..............XXX............. ..............XXX............. ..............XXX........... ..............XXX............. ......................100.013.9 Line 13.7 as a % of Line 10.7, Col. 6, Section 10.................................. ............................0.2 ............................1.2 ............................1.1 ..........................0.2 ..........................0.1 ............................2.7 ..............XXX............. ..............XXX............. ..............XXX........... ..............XXX............. ..........................2.7

Page 90: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

E10

SCHEDULE D - PART 1Showing all Long-Term BONDS Owned December 31 of Current Year

1 2 Codes 6 7 Fair Value 10 11 Change in Book/Adjusted Carrying Value Interest Dates3 4 5 8 9 12 13 14 15 16 17 18 19 20 21 22

Fo Rate Currentr Used Year's Totale to Unrealized Current Other Than Foreign Admitted Amounti NAIC Obtain Valuation Year's Temporary Exchange Effective Amount Received

CUSIP g Bond Desig- Fair Fair Book/Adjusted Increase/ (Amortization)/ Impairment Change in Rate Rate When Due and DuringIdentification Description Code n Char nation Actual Cost Value Value Par Value Carrying Value (Decrease) Accretion Recognized B./A.C.V. of of Paid Accrued Year Acquired Maturity

0399999. U.S Governments...................................................................................................................................... .....2,826,503,086 .....XXX...... .....2,946,917,896 .....2,731,346,742 .....2,778,358,497 ......................0 .....(10,804,367) .........................0 ......................0 .....XXX...... .....XXX...... .XXX... ......26,073,981 ....116,199,160 .......XXX....... .......XXX.......1099999 All Other Governments............................................................................................................................... .....1,258,449,950 .....XXX...... .....1,291,655,926 .....1,229,343,830 .....1,248,978,957 ......................0 .......(5,877,816) .........................0 ........8,508,325 .....XXX...... .....XXX...... .XXX... ......10,806,193 ......52,641,029 .......XXX....... .......XXX.......1799999. U.S. States, Territories and Possessions (Direct and Guaranteed).......................................................... .....8,196,206,709 .....XXX...... .....8,260,530,882 .....7,663,861,456 .....7,906,515,145 ......................0 .....(58,569,014) .........................0 ......................0 .....XXX...... .....XXX...... .XXX... ....111,389,366 ....361,506,595 .......XXX....... .......XXX.......2499999. U.S. Political Subdivisions of States, Territories and Possessions (Direct and Guaranteed)................... ...15,220,661,746 .....XXX...... ...15,364,066,947 ...14,359,222,908 ...14,852,439,503 ......................0 .....(89,384,750) .........................0 ......................0 .....XXX...... .....XXX...... .XXX... ....197,969,756 ....653,214,688 .......XXX....... .......XXX.......3199999. U.S. Special Revenue and Special Assessment Obligations...and Their Political Subidivisions............. ...17,668,847,716 .....XXX...... ...17,954,642,318 ...16,854,707,633 ...17,224,725,084 ...........683,877 .....(93,902,226) ................58,458 ......................0 .....XXX...... .....XXX...... .XXX... ....234,969,039 ....792,328,627 .......XXX....... .......XXX.......3899999. Industrial and Miscellaneous (Unaffiliated)................................................................................................ ...12,864,648,612 .....XXX...... ...13,527,158,575 ...13,025,106,786 ...12,748,303,471 ......32,531,321 .....(28,649,121) .........12,423,773 ..............(5,126) .....XXX...... .....XXX...... .XXX... ....160,769,832 ....653,031,062 .......XXX....... .......XXX.......4899999. Hybrid Securities........................................................................................................................................ ..........44,921,844 .....XXX...... ..........75,098,185 ..........84,539,000 ..........44,925,658 ......................0 ..................804 ...........1,062,500 ......................0 .....XXX...... .....XXX...... .XXX... ...........587,604 ........5,031,950 .......XXX....... .......XXX.......8399999. Total Bonds................................................................................................................................................ ...58,080,239,663 .....XXX...... ...59,420,070,728 ...55,948,128,355 ...56,804,246,315 ......33,215,199 ...(287,186,490) .........13,544,731 ........8,503,199 .....XXX...... .....XXX...... .XXX... ....742,565,772 .2,633,953,111 .......XXX....... .......XXX.......

Page 91: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

E11

SCHEDULE D - PART 2 - SECTION 1Showing all PREFERRED STOCKS Owned December 31 of Current Year

1 2 Codes 5 6 7 8 Fair Value 11 Dividends Change in Book/Adjusted Carrying Value 20 213 4 9 10 12 13 14 15 16 17 18 19

F Currento Rate Per Year's Totalr Share Other Total Foreigne Par Book/ Used to Amount Nonadmitted Unrealized Current Than Change Exchangei Number Value Rate Adjusted Obtain Declared Received Declared Valuation Year's Temporary in Change NAIC

CUSIP g of Per Per Carrying Fair Fair Actual but During but Increase/ (Amortization)/ Impairment B./A.C.V. in Desig- DateIdentification Description Code n Shares Share Share Value Value Value Cost Unpaid Year Unpaid (Decrease) Accretion Recognized (15+16-17) B./A.C.V. nation Acquired

8499999. Preferred Stocks - Industrial and Miscellaneous (Unaffiliated)..................................................................................................... ........155,778,866 ....XXX...... ........164,785,516 ........158,119,111 ..............965,806 .........11,622,614 ......................0 ...........1,936,578 .........................0 ...........98,000 ...........1,838,578 ..................0 ...XXX... .....XXX.......8999999. Total Preferred Stocks................................................................................................................................................................... ........155,778,866 ....XXX...... ........164,785,516 ........158,119,111 ..............965,806 .........11,622,614 ......................0 ...........1,936,578 .........................0 ...........98,000 ...........1,838,578 ..................0 ...XXX... .....XXX.......

Page 92: *00070 2010 20100100* COMBINED ANNUAL STATEMENT …...Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto

Combined Statement for the year 2010 of the THE TRAVELERS COMPANIES, INC.

E12

SCHEDULE D - PART 2 - SECTION 2Showing all COMMON STOCKS Owned December 31 of Current Year

1 2 Codes 5 6 Fair Value 9 Dividends Change in Book/Adjusted Carrying Value 17 183 4 7 8 10 11 12 13 14 15 16

Fo Rate Per Current Totalr Share Year's Total Foreigne Book/ Used to Amount Nonadmitted Unrealized Other Than Change Exchange NAICi Number Adjusted Obtain Declared Received Declared Valuation Temporary in Change Market

CUSIP g of Carrying Fair Fair Actual but During but Increase/ Impairment B./A.C.V. in Indicator DateIdentification Description Code n Shares Value Value Value Cost Unpaid Year Unpaid (Decrease) Recognized (13-14) B./A.C.V. (a) Acquired

9099999. Common Stocks - Industrial and Miscellaneous (Unaffiliated)................................................................. ............264,930,432 .............XXX........ ............264,930,432 ............154,569,065 ................239,421 ...........13,382,166 ...........................0 ...........63,837,256 .............1,090,611 ...........62,746,645 ..............(2,890) ..XXX.. ....XXX.......9199999. Common Stocks - Parent, Subsidiaries and Affiliates.............................................................................. ............415,648,977 .............XXX........ ............415,648,978 .........1,067,803,730 ................150,410 .........249,849,070 ...........................0 ........(181,392,392) ...........................0 ........(181,392,392) ......................0 ..XXX.. ....XXX.......9799999. Total Common Stock................................................................................................................................. ............680,579,409 .............XXX........ ............680,579,410 .........1,222,372,795 ................389,830 .........263,231,236 ...........................0 ........(117,555,136) .............1,090,611 ........(118,645,747) ..............(2,890) ..XXX.. ....XXX.......9899999. Total Preferred and Common Stock......................................................................................................... ............836,358,276 .............XXX........ ............845,364,926 .........1,380,491,906 .............1,355,636 .........274,853,850 ...........................0 ........(115,618,558) .............1,188,611 ........(116,807,169) ..............(2,890) ..XXX.. ....XXX.......(a) For all common stocks bearing the NAIC market indicator ''U'' provide: the number of such issues.....47, the total $ value (included in Column 8) of all such issues $.....542,885.