ions and to support our current and future policy writings. See "Use of Proceeds" in this prospectus supplement. Transfer Agent and Depositary American Stock Transfer & Trust Company, LLC. Risk Factors See "Risk Factors" in this prospectus supplement and the accompanying prospectus and in our Annual Report on Form 10-K for

in accordance with the instructions in the Letter of Transmittal and mail or deliver the Letter of Transmittal and all other required documents to American Stock Transfer & Trust Company. LLC. in its capacity as depositary for the Offer (the "Depositary"). (b) follow the procedure for book-entry transfer described in Section 3 —"Pro

in accordance with the instructions in the Letter of Transmittal and mail or deliver the Letter of Transmittal and all other required documents to American Stock Transfer & Trust Company. LLC. in its capacity as depositary for the Offer (the "Depositary"). (b) follow the procedure for book-entry transfer described in Section 3 —"Pro

in accordance with the instructions in the Letter of Transmittal and mail or deliver the Letter of Transmittal and all other required documents to American Stock Transfer & Trust Company. LLC. in its capacity as depositary for the Offer (the "Depositary"). (b) follow the procedure for book-entry transfer described in Section 3 —"Pro

ought in an inconvenient forum, or (C) the venue of such claim, suit, action or proceeding is improper. Transfer Agent, Registrar and Paying Agent American Stock Transfer & Trust Company, LLC will be the transfer agent, registrar and paying agent for the Series A Preferred Shares. S-41 EFTA00613275 BOOK-ENTRY, DELIVERY, AND FORM