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)La R. -99' 011~10~) ld l6 L,IWOFFICE3 <br />This statement of opinion is solely for the use of, and only to be relied upon by, the <br />Company and the various state insurance departments with which it files its Annual <br />Statement. <br />W + <br />An actuarial report and any underlying actuarial work papers supporting the findings <br />expressed in the Statement of Actuarial Opinion will be retained for a period of seven <br />years in the adatinistradve offices of the Company and be available for regulatory <br />examination <br /> <br />Mark S, Allaben, FCAS, MAAA <br />Vice President and Chief Actuary <br />Frontier Insurance Group <br />Address: 195 Lake Louise Marie Road <br />Rock Hill, New York 12775 <br />Telephone: 1-800-836-2100 ext. 5934 <br />Email: mallaben(a~ftr.com <br />February 27, 2000 <br />P. 006 <br />6 <br />