W.R. Berkley Corporation has always believed that fulfilling our responsibility to our policyholders is our first and foremost obligation. Financial stability and integrity are among the key reasons why customers choose to do business with us and why investors can be confident in investing in the company. Our long term success is based on how we manage the insurance business as well as our strength of capital and increasing returns to our shareholders. It has always been our vision that in order to accomplish these goals we must adhere to the highest moral and ethical standards in all aspects of our business.