PZU Group PZU Group — a 200 year tradition in insurance PZU Group is one of the largest insurance companies both in Poland and in Central and Eastern Europe. PZU Group insures more than 25 millions of Poles for most of which it is the symbol of tradition, confidence and long-run market presence. Traditions of PZU Group trace their roots to 1803 when the first insurance company was established in Poland — since that time PZU Group provides complex insurance coverage for all the most important spheres of life activity. Apart from its insurance activity, PZU Group also manages pension fund and investment funds. PZU Group — the largest insurance group of Central and Eastern Europe PZU Group is the first Polish company operating in financial sector, which earned 1 billion USD net profit for the fiscal year. In 2005, PZU Group achieved a record financial result, delivering a net profit of 3 214.8 mln PLN that was 51.4% higher compared to the result of the previous year. This provides that PZU is considered one of the most profitable insurance companies at the European market. PZU Group is also one of the most expensive financial institutions of Central and Eastern Europe. Due to investigations conducted by the agency A. T. Kearney and Newsweek newspaper (Poland) in 2005, PZU Group was estimated at the rate of 31 485 mln PLN (about 10 billion USD) and took the second place in the top 100 list of the most expensive enterprises in Poland. PZU Group — is the leader of Polish financial market and the leading insurer in Central and Eastern Europe: PZU Group has the highest rating among all financial institutions of Central and Eastern Europe — «А-» (Standard & Poor’s), The largest insurer in Poland and Central and Eastern Europe (occupies 45% and 18% of the market, respectively), The assets of PZU Group amount to 13,2 billion USD, PZU Group has subsidiary companies in Ukraine and Lithuania, PZU Group counts more than 16 000 employees; its sales network in Poland consists of more than 800 offices and nearly 10 000 agents, PZU Group brand is recognized by 90% of population of Poland, In 2005 for the sixth time PZU was acknowledged as the company to trust (PZU has won the „The most trusted brand” award).

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WARTA Insurance and Reinsurance Company maintains a steady position as the second largest insurer on the market. WARTA was the first insurance company floated on the Warsaw Stock Exchange in 1995. WARTA's credibility is evidenced by, among other things, its high Standard & Poor's BBBpi rating. The BBBpi rating reflects the reliability and financial strength of the insurer. WARTA's rating demonstrates its solvency and financial stability. It indicates good technical performance, claim handling efficiency and continued improvements in the risk assessment system.

WARTA's offer comprises over 160 products geared towards a diverse group of individual and corporate clients. The available lines include motor, property and personal as well as financial and third party liability insurance. Also offered is all-risk coverage for large enterprises and packages aimed at small and medium businesses. The Company is a leader in marine and aviation insurance.

To facilitate client access to all lines of insurance and investment funds, WARTA and its subsidiaries have joined forces. Under the auspices of a single Insurance and Finance Group (WARTA Insurance and Reinsurance Company, TUnŻ WARTA, KBC TFI) property and personal insurance as well as life insurance and retirement annuity policies are offered. As a result, clients can now take advantage of a full and complementary mix of individual and collective insurance and financial products.

To save clients' time and better address their individual needs, WARTA's experts have been continually broadening its product offer and devising advanced and flexible insurance schemes to offer customized coverage and policy terms and conditions and develop the capacity to design tailor-made products.

For the convenience of its clients, WARTA has set up a 24h EMERGENCY RESPONSE CENTER that is ready around the clock to provide assistance and handle claims swiftly and efficiently.

WARTA and Kredyt Bank have pioneered bancassurance services in Poland. The combination of banking and insurance products and the advantage of sharing sales networks provides the clients of both companies with the benefits of a broader offer, improved product availability and time savings.
Kredyt Bank branches offer motor, household and travel insurance, insurance for bank account and payment-card holders as well as credit-linked life insurance. Over 1000 authorized employees of Kredyt Bank can offer WARTA insurance to individual clients and small enterprises. Sales of more complex insurance products and higher insurance amounts are referred to WARTA agents.

The partnership is extended to assurbanking services whereby WARTA salespeople offer Kredyt Bank products to their clients.

WARTA is constantly expanding its sales network, both traditional and based on new technologies.

WARTA's geographic range covers all of Poland. The Company maintains 11 macroregions (including the Gdynia Marine Branch), 49 sales regions and 213 representative offices and markets its products through its nearly six thousand strong sales force. Field units rely on their own agent network and on the services of multiple agents and brokers.

The extensive field organization helps clients contact agents, facilitates claim-handling process and allows WARTA to respond faster to changing client needs.

A distribution channel of growing significance are the Kredyt Bank branches that cooperate with WARTA under the bancassurance program.

For the convenience of its clients, WARTA has developed a system of Internet access to insurance products that offers fast and effective coverage and simplified procedures. The Internet serves as a vehicle for marketing the most popular property, travel and life insurance as well as investment funds.

Information on all products and the option to set up an appointment with a salesperson are available on our website at www.warta.pl and at our free infoline 0-801 308 308.

Liberty University Direct Marketing Teams Win Awards
May 26, 2006

Four teams from the Communication Studies department were Collegiate Maxi prize winners in a competition organized by the Direct Marketing Education Foundation of Washington. This competition attracts entries from regional universities. The 2006 competition was from the United States Post Office “with a charge to develop an integrated campaign to solidify the brand image of direct mail and to improve its image with the leading marketing and advertising professionals.”

The Liberty team of Jamie Wyckoff, Kathryn Canfield, Joyanne Tomlinson and Liz DiGiorgio tied for the Bronze Award for their entry, “The Direct Route” in addition to winning the Guy Yolton Award for Creative Direct Mail. The Bronze Award was also won by a team of Jesse Holtzbach, Jessica Gilbert, Nick Kameno and John Lattanzio for their entry “So Happy Together.” The two Liberty teams that tied for Honorable Mention were Kari Kanagy, Rustin Brown, Michelle Gross and Jay Guthrie for their entry “Tried and True” and Jessy Butkovich, Derek Knight, Rebecca Pascoe and Jessica Prudich for their entry “Still Reaching-Still Reliable.”

“This is the third time LU has entered into this competition,” said faculty advisor, Professor Dan Henrich. “Last year we won one of the two Gold Collegiate Maxi’s and the Creative Award – this year the case study was much harder as it was a business to business project and much harder than business to consumer.” The awardees are honored at the 2006 DMAW Conference which is being held at the Marriott Wardman Park Hotel in Washington DC. The Sisk and Swain awards are to be given on Friday, July 14th at a catered luncheon and VIP reception afterwards.

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As a smart consumer, you demand the best value for your money. In each of our 14 States, SafeAuto tailors car insurance that not only meets state required minimum limits, but offers you collision coverage too. We offer many discounts that can make our already low cost insurance even lower.

Never settle for cheap car insurance when you deserve the best from SafeAuto. For a FREE quote, call 1-800-SafeAuto 24/7 now to speak with a licensed insurance professional who can help you get exactly the policy you need in as little as 10 minutes. We’re open for you 24 hours a day, 7 days a week, every day of the year we can fulfill our promise to provide you the best possible customer service when it’s convenient for you.

Buying a car right now? SafeAuto can fax or email you proof of insurance in as little as 10 minutes.

Accidents can happen at any time, so we offer you 24/7 Claims Support to make sure we’re always there when you need us.

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