ACE Risk Management® is part of ACE USA.  We are customer focused and deeply committed to maintaining long term partnerships with our clients.

ACE USA:

• Is the U.S.-based retail operating division of the ACE Group of Companies.
• Through its underwriting companies, offers property and casualty products and services to a broad range of multinational businesses.
• Makes International Advantage® Package, International Advantage Express^SM and other ACE USA coverage and service programs available through leading insurance agents and brokers throughout the U.S.

• Was formed in 1985 by major international insurers to provide excess liability coverage, and quickly became a principal player on the world insurance scene.
• Currently has companies operating in all major markets and many emerging nations.
• Is led by ACE Limited (NYSE: ACE).

• The International Advantage® Package policy and International Advantage Express^SM policy are underwritten by ACE American Insurance Company, rated A+(Superior) by A.M. Best.

Sarbanes Oxley:

• The ACE group of companies successfully completed its first internal assessment of controls over financial reporting procedures, as required by section 404 of the U.S. Sarbanes-Oxley Act and determined that our internal control over financial reporting to be "effective" as of Dec. 31, 2004.