ü  Eight years of successful operation and surplus growth.  On average, original members contributed capital of $120,000, but now have equity worth approximately $1,500,000.

ü  Members share 100% of the group’s profits and equity

ü  Full and complete financial transparency

ü  Governance by members, not giant insurance companies

ü  Managed by full-time staff of experienced specialists in underwriting, claims and risk management

ü  Premiums at or below market levels

ü  Cash dividends paid in 2008 and 2009

ü  Chart’s financial flexibility allows it to avoid market swings, offering more consistent pricing and a stable source of coverage.

ü  A commitment to patient safety through education, training including simulation, and sharing of best practices

ü  On-site risk assessment and consulting

ü  $20M of excess limits available