Caution Regarding Forward Looking Statements
This presentation contains historical information as well as forward-looking statements that are based
upon our estimates and anticipation of future events, including our proposed transaction with NCRIC
Group, Inc. These estimates and events are subject to certain risks and uncertainties that could cause
actual results to vary materially from the expected results described in the forward-looking statements.
The words “anticipate,” “believe,” “estimate,” “expect,” “hopeful,” “intend,” “may,” “optimistic,”
“preliminary,” “project,” “should,” “will,” and similar expressions, whether used on a slide or in speakers’
remarks, are intended to identify these forward-looking statements. There are numerous important factors
that could cause our actual results to differ materially from those in the forward-looking statements. Thus,
sentences and phrases that we use to convey our view of future events and trends are expressly designated
as Forward-Looking Statements as are sections of this presentation clearly identified as giving our outlook
on future business. The principal risk factors that may cause actual results to differ materially from those
expressed in the forward-looking statements are described in various documents we file with the
Securities and Exchange Commission, including the most recent Form 10K for the year ended December
31, and Form 10Q for the most recent quarter. You should also refer to our Form 8K filed February 28,
2005 for specific Cautions and Risk Factors regarding our proposed transaction with NCRIC Group.
Financial data for the medical malpractice segment for all periods prior to June, 2001 reflects Medical
Assurance, Inc. data only, except where noted.
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