Permanent General Company, Inc.

Non-Standard Automobile Insurance

CZFS purchased its ownership interest in December 2004. Permanent General Companies specializes in the sale and underwriting of automobile insurance and related products in the U.S. non-standard automobile market. Private passenger automobile insurance is comprised of several different risks categorized as preferred, standard and non-standard. The non-standard automobile insurance industry provides coverage for drivers who are unable to obtain insurance from standard carriers. Permanent General is headquartered in Nashville, TN, and has been doing business for over 35 years.