A.M. Best Rating

Main Street America's "A" Rating Affirmed
A.M. Best affirmed The Main Street America Group's "A" (Excellent) rating, with a stable outlook, in April 2010. The rating is based on the consolidated financial results of Main Street America's five operating companies: NGM Insurance Company, Main Street America Assurance Company, Old Dominion Insurance Company, MSA Insurance Company and Great Lakes Casualty Insurance Company. In addition, A.M. Best upgraded the financial strength rating of Main Street America's new affiliate Grain Dealers Mutual Insurance Company to "A" (Excellent) from "B+" (Good).

A.M. Best's Rating Rationale
In its 2010 Best's Rating Report, A.M. Best notes, "The rating reflects Main Street America Group's excellent risk-adjusted capitalization, trend of favorable operating performance, diversified product offerings and established regional market presence along the East Coast. These positive factors are derived from the group's focused marketing and branding strategies, disciplined underwriting philosophy and pricing segmentation."

About A.M. Best
The A.M. Best Company is the oldest, most experienced rating agency in the world and has been reporting on the financial condition of insurance companies since 1899.

An A.M. Best rating is assigned after an extensive quantitative and qualitative evaluation of a company's financial strength, operating performance and market profile. For more information about A.M. Best's ratings, please visit their Web site, ambest.com.