Certain statements in this report, including information incorporated by reference, are “forward-looking
statements” as that term is defined in the Private Securities Litigation Reform Act of 1995 (“PSLRA”).
The PSLRA provides a safe harbor under the Securities Act of 1933 and the Securities Exchange Act of
1934 for forward-looking statements. These statements relate to our intentions, beliefs, projections,
estimations or forecasts of future events or our future financial performance and involve known and
unknown risks, uncertainties and other factors that may cause our or our industry's actual results, levels
of activity, or performance to be materially different from those expressed or implied by the forward-
looking statements. In some cases, you can identify forward-looking statements by use of words such as
"may," "will," "could," "would," "should," "expect," "plan," "anticipate," "target," "project," "intend,"
"believe," "estimate," "predict," "potential," "pro forma," "seek," "likely" or "continue" or other
comparable terminology. These statements are only predictions, and we can give no assurance that
such expectations will prove to be correct. We undertake no obligation, other than as may be required
under the federal securities laws, to publicly update or revise any forward-looking statements, whether
as a result of new information, future events or otherwise.
Factors, that could cause our actual results to differ materially from those projected, forecasted or
estimated by us in forward-looking statements are discussed in further detail in Selective’s public filings
with the United States Securities and Exchange Commission. These risk factors may not be exhaustive.
We operate in a continually changing business environment, and new risk factors emerge from time-to-
time. We can neither predict such new risk factors nor can we assess the impact, if any, of such new
risk factors on our businesses or the extent to which any factor or combination of factors may cause
actual results to differ materially from those expressed or implied in any forward-looking statements in
this report. In light of these risks, uncertainties and assumptions, the forward-looking events discussed
in this report might not occur.
Forward Looking Statement
