11101 Roosevelt Boulevard NSt. Petersburg, FL 33716

800.627.0000727.823.4000

bankersfinancialcorp.com

Bankers Insurance Group (BIG) is a subsidiary of Bankers Financial Corporation and the corporate parent of our insurance companies. From modest beginnings in 1976, the Group has grown steadily into a recognized industry leader.

Bankers Insurance Company (BIC) writes personal and commercial coverage including homeowners, flood, excess flood, business owners, contract surety and specialized products.

Bankers Specialty Insurance Company (BSIC) specializes in homeowners and flood insurance for Louisiana residents and business owners.

First Community Insurance Company (FCIC) specializes in personal and commercial lines including homeowners, dwelling fire, flood, excess flood, contractor general liability and builders risk insurance for Florida and South Carolina residents and business owners.

Bankers Life Insurance Company (BLIC) offers retirement annuities backed by an experienced management team, the latest technological resources, and a customer service staff of insurance specialists.

Bankers Annuity Brokerage (BAB) provides brokerage agents an elite portfolio of life and annuity products, complete with access to a full team of product experts and customized business-building programs.

Bonded Builders Warranty Group (BBWG) brings together the interests of consumers and builders, offering a comprehensive range of warranties and warranty programs for builders, homeowners and lenders.

Bankers Surety, an acknowledged leader in the bail bond industry, provides coverage on bonds for the bail agents who write them.

Emerge Monitoring is a full-service, multi-level correctional solution featuring location monitoring, virtual case management and reentry programs.

BinTech is a uniquely positioned single-source insurance services provider for property and casualty insurers and financial institutions nationwide.

Bonded Builders Risk Management provides warranties on new and remodeled homes through homebuilders and remodelers.

van Wagenen Financial Services provides collateral protection insurance (CPI) for real estate and vehicle loans, as well as CPI marketing, claims, customer service, and processing.

DecisionHR is a full-service human resource outsourcing company meeting the needs of small to medium-sized businesses with Workers’ Compensation, Payroll Administration, Human Resources, Government Compliance and Employee Benefits.

Bankers Warranty Group provides warranty coverage, extended service plans and full sales and marketing support to retailers and manufacturers.

The Gilchrist Club Executive Retreat & Conference Center is a private retreat and exclusive hunting lodge located on the nearly 27,000-acre Suwannee Lake Plantation in Gilchrist County in north central Florida.

AFFILIAtEd ComPAnIES

Bankers Financial CoRP

PRoFILE & FInAnCIAL SummARy

2012

Bankers Financial Corporation (BFC) distinguishes itself as corporate parent to a diverse array of enterprises spanning insurance, surety and business solutions. A national business presence based in St. Petersburg, FL, the Corporation is proudly built on over three decades of expertise and service. BFC infuses its undertakings with the spirit of innovation, developing new products, technology and services for ever-evolving marketplaces.

ouR Key ReiNSuRaNCe PaRtNeRS aRe toP-Rated iNduStRy LeadeRS

■ Bankers Insurance Company 55.6%

■ First Community Insurance Company 11.6%

■ Bankers Specialty Insurance Company 0.9%

■ Bankers Life Insurance Company 1.3%

■ van Wagenen Financial Services, Inc. 5.8%

■ BinTech Partners, Inc. 3.1%

■ Bonded Builders 2.9%

■ Bankers Warranty Group 9.5%

■ DecisionHR, Inc. 4.0%

■ Bankers Surety/Emerge 3.0%

■ Other 2.3%

Clockwise start w black: 55.6% 11.6% 0.9% 1.3% 5.8% 3.1% 2.8 9.5 4.0 3.0 2.3

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9.5%

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BFC

653

7 11

12

BIG GAAP Balance Sheet 9-30-12

Assets

Cash and Invested Assets $323.6Receivables 194.4other Assets 42.3

Total Assets $560.4

Liabilities

Reserves & Policy Benefi ts $360.5unearned Premiums 74.0debt 5.0other Liabilities 50.6

Total Liabilities $490.2

Stockholders’ Equity 70.1

Total Liabilities and Stockholders’ Equity $560.4

BIG Investment Portfolio Credit Grade12-31-11

BIG GAAP Income Statement 9-30-12

Gross Written Premium $237.5 net Earned Premium $166.3

Net Income $6.8

BFC GAAP Balance Sheet 9-30-12

BFC GAAP Income Statement 9-30-12

Gross Written Premium $261.2 net Earned Premium $195.1

Net Income $4.5

Assets

Cash and Invested Assets $370.4Receivables 209.9other Assets 87.6

Total Assets 668.0

Liabilities

Reserves & Policy Benefi ts $371.6unearned Premiums 114.9debt 29.7other Liabilities 72.9

Total Liabilities $589.3

Stockholders’ Equity 78.7

Total Liabilities and Stockholders’ Equity $668.0

BFC total Revenue by Entity 09-30-12

Bankers Financial Corporation | Profi le & Financial Summary 2012

($ in millions)

($ in millions)

($ in millions)

($ in millions)

Total $244.4 million

Clockwise start w lite blue: 52.8% 19.7% 13.2% 2.2% 9.7% 2.4%

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P&C by Product, GAAP 09-30-12

Bail/Contract Surety52.8%

Homeowners & Fire19.7%

Other2.4%

Federal & Excess Flood9.7%

Business Owners 13.2%

RentersAmerica 2.2%

Total $230.9 million

Clockwise start w black: 32% 8% 28% 30% 2%click apply check iconclose chart window

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BBB 30%

A 28%

BB 2%

<B 0%

AA 8%

AAA 32%

Total $212 million

click apply check iconclose chart windowGo to Object > Ungroup

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1) Group (or loses 3D) 2) 3D bevel emboss3) Object > expand appearance creates editable wedges releases clip mask on panels5) select all panels per color 6) unite in path�nder6) group wedges7) add drop shadow

Enter data backwardsso lite blue will be on top Clockwise start w black 15.1% 3.7 6.4 9.5 14.5 17.9 32.9

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P&C by State, StAt 09-30-12

Total $277.3 million

South Carolina 3.7%

Louisiana 14.5%

Other15.1%

California 17.9%

Florida 32.9%

North Carolina 6.4%

Texas9.5%