Am Trust Announces Strong Fourth

Quarter Earnings for 2013

Am Trust Financial Services (AFSI), the parent company of Warrantech,
issued fourth quarter earnings this morning with strong nancial results
once again, !oth in top line revenue"premium growth (#$%&') as well as in
!ottom(line prota!ility% )ost impressively, it is the third quarter in which
the company has generated over *+ !illion in gross written premium%

-n a year(end !asis, AFSI e.ceeded */%+ !illion in gross written premium

and over *++ !illion in total assets% Also, the company !oo0ed *##+ million
in service and fee income in 12+# 3 up almost 4#'% That is a staggering
num!er for non(insurance premium related !usiness%

5-ur strong fourth quarter and year(end results underscore the e.cellent
momentum that Am Trust continues to e.perience across all our !usiness
lines,6 said 7arry 8ys0ind, Am Trust Financials 9hief :.ecutive -;cer and
<resident% 5=oing forward, we will continue to !uild Am Trust consistent
with our priority to grow the value of the enterprise for the long term
!enets of all our sta0eholders%6
Fourth >uarter 12+# Financial ?ighlights

=ross written premium of *+%2$ !illion, up #$%&', and net earned

premium of *@2@%$ million, up &/%$' from the fourth quarter 12+1

-perating diluted :<S of *+%2# compared to *2%@2 in the fourth quarter

12+1

-perating return on common equity of 1A%+' and return on common

equity of +4%4'

Service and fee income of *4#%2 million, up @+%4' from the fourth
quarter 12+1

-perating earnings of *&+%4 million compared to *A#%/ million from the

fourth quarter 12+1
Fourth >uarter 12+# Financial ?ighlights

=ross written premium of *+%2$ !illion, up #$%&', and net earned

premium of *@2@%$ million, up &/%$' from the fourth quarter 12+1

-perating diluted :<S of *+%2# compared to *2%@2 in the fourth quarter

12+1

-perating return on common equity of 1A%+' and return on common

equity of +4%4'

Service and fee income of *4#%2 million, up @+%4' from the fourth
quarter 12+1

-perating earnings of *&+%4 million compared to *A#%/ million from the

fourth quarter 12+1

Bet income attri!uta!le to common stoc0holders of *$/%@ million

compared to *AA%# million in the fourth quarter 12+1

Ciluted :<S of *2%&1 compared with *2%@1 in the fourth quarter 12+1

9om!ined ratio of &4%4' compared to 42%A' in the fourth quarter 12+1

Full Dear 12+#

=ross written premium of */%+1 !illion, up /4%@', and net earned

premium of *1%1@ !illion, up A4%@' over 12+1

-perating diluted :<S of *#%#4 compared to *1%A1 in 12+1

-perating return on common equity of 1+%#' and return on common

equity of 1#%+'

Service and fee income of *##+%$ million, up 41%$' from 12+1

-perating earnings of *1$/%$ million compared to *+4+%$ million in 12+1

Bet income attri!uta!le to common stoc0holders of *1&$%4 million

compared to *+@&%2 million in 12+1

Ciluted :<S of *#%$@ compared with *1%#/ in 12+1

9om!ined ratio of 42%A' compared to 42%+' in 12+1

7oo0 value per common share of *+@%&A, up from *+A%/& at Cecem!er #+,
12+1

Am TrustEs stoc0holdersF equity was *+%/A !illion as of Cecem!er #+, 12+#

For more information a!out Warrantech free visit hereG(

httpsG""twitter%com"WarrantechH9orp

Article resourceG(
httpG""warrantech!edford%!log%com"12+/"2&"1@"amtrust(announces(strong(f
ourth(quarter(earnings(for(12+#"