USI Holdings Corporation

Middle-Market Insurance Broker

CZFS led a recapitalization of USI (NASDAQ: USIH) in 1999 and at the time was the Company's largest shareholder. In October 2002, USI completed its initial public offering. Founded in 1994, USI is a leading provider of employee health and welfare products and related consulting and administration services. USI's sales and marketing efforts are primarily focused on the 1.1 million middle-market businesses in the United States, which have traditionally purchased their insurance and financial products and services from a fragmented group of providers. Through strategic marketing relationships with a number of leading insurance and financial services companies, including Ceridian, Chubb, Sovereign Bancorp, UnumProvident and Zurich Financial Services, USI is able to offer a local presence with the full array of products and services typically only offered by national and global brokers.