Tokio Marine Management, Inc. and Its Affiliates Are Pleased to Announce the Introduction of the *CAPS GEAR Plan for Automotive Parts Manufacturers, and Related Automotive Services Located in, Georgia, Indiana, Mississippi, Ohio, South Carolina and Tennessee

CHICAGO, Dec. 7, 2006 -- Effective January 1, 2007, Tokio Marine Management, Inc. ("TMM"), U.S. Manager for Tokio Marine & Nichido Fire Insurance Co, Ltd. (U.S. Branch) introduced *Central Automotive Parts Suppliers Good Experience Accounts Return Plan, a new multi-line group policyholder dividend plan for qualified insureds based in Georgia, Indiana, Mississippi, Ohio, South Carolina or Tennessee that are automobile parts manufacturers, or provide related automotive manufacturing services.

To qualify for a dividend, an insured must be in business at least two years, purchase a minimum of three lines of coverage (property, commercial automobile, general liability, inland marine, boiler and machinery, crime or fidelity) and have a qualifying loss ratio as well as meet certain other criteria. This program will pool the premium and loss experience across multiple lines of coverage for qualified insureds. Dividends are not guaranteed and are subject to approval and declaration by the Board of Directors.

TMM is able to offer this multi-line dividend program due to its experience and expertise in automotive industry business. TMM underwriters, claims adjusters and loss control specialists understand the nature of this risk and are well practiced in the art of underwriting, claims settlement and loss prevention. This expertise enables us to successfully address the risk management and insurance needs of clients and reward them by offering a dividend return for their loss prevention practices.

This program is available through TMM-appointed independent agents and brokers. For more information, please contact your agent or broker or visit us at our website at http://www.tokiomarine.us/.

The foundation of TMM's business philosophy is the focus on establishing a stable and long-term relationship with our customers and producers. This is supported by our financial strength, emphasis on providing quality service and a disciplined underwriting approach. We enjoy one of the highest customer retention ratios in the industry.

For further information, please contact below through your agent or broker:

  Robert Wolf ph 312-525-9125 or Troy Pendergrass ph 312-525-9124, Chicago,
   Illinois
  Ron Kovanis, Atlanta Georgia): ph: 770-481-3225
  Kevin Rice, Nashville Tennessee) ph: 615-308-3378

Tokio Marine & Nichido Fire Insurance Co, Ltd. (U.S. Branch) and its U.S. subsidiaries (TMN-USB) are assigned an AM Best rating of A++ XV with statutory surplus in excess of $400 million. In 2004, the TMN-USB wrote in excess of $436 million of direct Gross Written Premium with a Combined Ratio of 99.9%. TMN-USB is the U.S. Branch of Tokio Marine & Nichido Fire Insurance Co., Ltd. Japan, the largest commercial insurance company in Japan, and a member company of Millea Holdings, Inc. one of largest global insurance corporations with consolidated annual revenues in excess of $22 billion and equity in excess of $32 billion. TMN-USB is headquartered in New York City and has been operating in the US since 1955. TMN-USB also has offices in Los Angeles, Chicago, Atlanta, Cincinnati, Honolulu, Houston, Nashville and San Francisco.