September 30, 2004

Great Central Insurance Company

System Interfaces:

SIMPRO to GCIS Premium

When a policy has been rated and accepted by the customer and underwriter.
Underwriting will upload the policy from SIMPRO into GCIS Premium. The upload
process will create the policy in GCIS with a status of pending. The user must go into
GCIS to verify and complete the policy. The process of completing a policy is referred to
as “The Big T”.

We also have an automated renewal policy that will “download” policies that are nearing
their expiration data into GCIS and notify the user that it is ready for renewal processing.
The automated renewal process will create a new policy in SIMPRO, inflate the
exposures and re-rate the policy. If the policy is flagged as needing no intervention it will
automatically upload the policy into GCIS Premium.

CI to GCIS Premium
When a policy is issued in CI a “pass two file” is created by the system. A batch process
utilizes the “pass two file” to create a policy in GCIS Premium with a status of pending.
The user must go into GCIS to verify and complete the policy. The process of
completing a policy is referred to as “The Big T”.

GCIS reporting infrastructure (data warehouse)

The intent of the reporting infrastructure is to provide simplified data structure to
facilitate management reporting. It is comprised of Premium and Claims snap-shots and
summary tables. By reporting directly from the snap-shot and summary tables both static
and ad-hoc reports are much easier to build and maintain. It also provides a simplified
view of our data for users to run queries against.

At month end we create snap-shots of our data in both GCIS Premium and Claims. The
snap-shot for Premium contains a row for each Policy in the system. The row contains
the policy key, important reporting elements such as state, line of business, industry,
underwriter and agent as well as exposures and premiums. The claims snap-shots contain
a row for each claim and occurrence. Again these records contain important reporting
elements as well as reserve, payments, recoverables, expenses, etc.

The previous month’s snap-shots are subtracted from the current month’s snap-shot to at
a summary level to create a set of records that represent the activity for the month. These
records are then added to summary tables that contain a row for each month and
combination of key reporting fields such as state, line of business, industry, etc.

Trident to GCIS
At month end Trident provides a file in the same format as our snap-shots and we merge
their data into our snap shots for month end processing and subsequent reporting.

GCIS to Oracle Financials

September 30, 2004

At month end we extract premium, accounts receivables, claims payments and reserves.
The extract summarizes the data to the GL account level and is sent to San Antonio for
import into Oracle Financials.

GCIS Premium and GCIS Claims

The claims system relies on coverage verification from GCIS Premium. There are links
on appropriate screens to tie a claim to a policy and coverage. In addition the claims
system has look up screens to allow the adjuster to review additional information such as
additional insureds, deductibles, limits, policy endorsement forms.

GCIS Finance and GCIS Premium

The finance system uses the premium system to obtain premium, and
commission information. It combines this with payer and billing cycle information
to produce invoices and track payments.

External Reporting
We have several file extracts that send data directly to states or third party intermediaries
to comply with statutory reporting requirements: These include:
 NISS for statistical reporting
 NCCI and PEEPS for W/C coverage reporting
 Various state department’s of Motor Vehicles for vehicle coverage
 OFAC Clearance
We also run a monthly extract for Hartford Steam Boiler.