Tokio Marine HCC (TMHCC) is a leading international Specialty Insurance group with offices in the United States, the United Kingdom, Spain and Ireland. The CompanyÍs business philosophy is to maximize underwriting profit while managing risk in order to maximize net earnings and grow book value per share. TMHCC has achieved an outstanding record of growth and profitability since its founding in 1974 through creative but careful underwriting, opportunistic expansion of existing lines of business and targeted acquisitions. The CompanyÍs operations consist of highly rated property and casualty and life insurance companies. HCCÍs major domestic and international insurance companies have financial strength ratings of AA- (Very Strong) from Standard & PoorÍs Corporation, A+ (Superior) from A.M. Best Company, Inc., and AA- (Very Strong) from Fitch Ratings.