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NJ Office - 973-257-5558

fna@fnainsurance.com

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Oxford New York rate filings: Second notice to impacted groups, group subscribers and associations. With renewal dates in Q4 2012. As previously communicated, we submitted rate applications with the New York State Insurance Department of Financial Services (DFS) seeking rate increases for 2012. An initial notice was sent to all impacted policy and certificate holders at the time of the rate filing, as required by the New York state prior approval law. We are now sending the required second notice advising of the increases approved by the DFS for impacted customers renewing in the fourth quarter 2012.