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LOSS AND LOSS ADJUSTMENT EXPENSE RESERVES-STATEMENT BY NJDOBI ACTUARY

Mapfre Insurance Company

I, Boris Privman, FCAS, MAAA, Managing Property and Casualty Actuary for the New Jersey Department of Banking and Insurance, have performed an actuarial review of the reported December 31, 2008 loss and loss adjustment expense reserves for the Mapfre Insurance Company. Based upon this review the Fund’s booked gross and net loss reserves should be accepted without adjustments.

Actuarial findings as stated above and in this examination report are the sole responsibility of the New Jersey Department of Banking and Insurance’s Property and Casualty Actuarial Unit of the Office of Solvency Regulation..

/S/ Boris Privman-Managing Actuary

CONCLUSION

The courteous cooperation extended to the examiners by Mapfre Insurance Company is acknowledged.

Respectfully submitted,

/S/ Daniel J. Fialkowski, CFE, AIE, FLMI Examiner-In-Charge

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