This page sets forth the terms and conditions under which PMA Capital provides the information on this Website, as well as the terms and conditions governing your use of this site. By making use of this site, you agree to be bound by the terms and conditions we have outlined below. If you do not accept these terms and conditions, do not continue to use or access this site.

Disclaimer
THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, PMA CAPITAL DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. PMA CAPITAL DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES , WORMS, TROJAN HORSES OR OTHER CODE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES OR OTHER HARMFUL COMPONENTS. PMA CAPITAL DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE, OR ANY HYPERLINKED WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT PMA CAPITAL) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES.

IN NO EVENT WILL PMA CAPITAL BE LIABLE TO ANY PARTY FOR ANY LOSS OR DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES CAUSED BY USE OF THIS WEB SITE, OR ANY OTHER HYPERLINKED WEB SITE, EVEN IF PMA OR YOU KNEW OR SHOULD HAVE KNOWN, OF THE POSSIBILITY OF SUCH DAMAGES.

Accuracy of Information
PMA Capital does not warrant or guarantee the accuracy or completeness of the information provided on this Website. Under no circumstances will PMA Capital be liable for any loss or direct, indirect, punitive, incidental, special or consequential damages caused by reliance on this information or for the risks of the stock market. PMA Capital undertakes no obligation to update any of the information contained on this Website.

The information on this Website, including these disclaimers, may be changed or updated without notice. PMA Capital may also make improvements and/or changes in the products, services and/or programs described on this site at any time without notice. Your continued access or use of this site shall be deemed your acceptance of any changes and the reasonableness of these standards for notice of changes.

Trademarks and Copyrights
All trademarks, services marks, trade names, logos, and icons are proprietary to PMA Capital. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Website without the prior and express written permission of PMA Capital or such third party that may own the trademarks displayed on this Website. Your use of the trademarks displayed on this Website, or any other content on this Website, except as provided herein, is strictly prohibited.

You may cite or refer to the information on this site and make copies of the information for your own personal use. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from PMA Capital. To request such permission, send a message via e-mail to InvestorRelations@pmacapital.com Please include your name, address and telephone number, and a description of the intended extent, purpose and distribution of your copying.

The Digital Millennium Copyright Act
PMA Capital reserves the right, but not the obligation, to terminate your access to pmacapital.com if it determines in its sole and absolute discretion that you are involved in infringing activity, including alleged acts of first-time or repeat infringement, regardless or whether the material or activity is ultimately determined to be infringing. PMA Capital and its service providers accommodate and do not interfere with standard technical measures used by copyright owners to protect materials. PMA Capital has implemented procedures for receiving written notification of claimed infringements and for processing such claims in accordance with the Act. Our designated agent to receive notification of claimed infringement is:

Stephen R. Gartner
Assistant Vice President—Assistant General Counsel
380 Sentry Parkway
Blue Bell, PA 19422
610-397-5441

Any written notice regarding any infringement of copyright or of other proprietary rights, should be sent to our designated agent, listed above, and must include the following information:

A. A physical or electronic signature of a person authorized to act on behalf of (i) the owner of an exclusive right that is allegedly infringed or (ii) the person defamed.

B. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.

C. Identification of the material that is claimed to be infringing, or to be the subject of infringing activity, including information reasonably sufficient to permit us to locate the material.

D. Information reasonably sufficient to permit us to contact you, such as your address, telephone number, and/or electronic mail address.

E. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright or other proprietary right owner, its agent, or the law.

If you choose to access pmacapital.com from outside the United States you do so on your own initiative and are responsible for compliance with U.S. and local laws, if and to the extent that local laws are applicable. Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported (i) into (or to a national resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods, or (ii) to anyone on the U.S. Treasury Department list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with U.S. export control laws and that you will not transfer any software or other content from pmacapital.com to a foreign national or foreign country in violation of those laws.

Hypertext Links
Some of the pages on this site provide hypertext links to other sites created by other organizations. We provide you links to other sites as a free service. Because those other sites are not under our control, we cannot guarantee the quality, accuracy, or timeliness of those sites, or that those sites are free from viruses, worms, trojan horses, malicious codes and other items of a destructive nature. Nor is our connection to those sites an endorsement or adoption of the views expressed or of the products and services sold on those sites. Questions about the content of those sites should be directed to their authors.

If you would like to provide a hypertext link from your site to this site, please request our permission before doing so. To request such permission, send a message via e-mail to InvestorRelations@pmacapital.com Please include in the message your name, address and telephone number, and a description of your site and the reason why you would like to establish a link to this site.

In no event will PMA Capital be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site hyperlinked sites. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses, malicious codes and other items of a destructive nature.

Products and Services
Please note that none of the information contained in this Website should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products PMA Capital generally offers.

Coverage statements on this Website are for general description purposes only. This Website does not amend, modify or supplement the policies. Furthermore, not all coverages are available in every state or country. Consult the actual policy or contact us at InvestorRelations@pmacapital.com for the name of a PMA employee or an agent who can supply you with details regarding terms, conditions, coverages, exclusions, products, services and programs which may be available to you.

Professional Advice
The information provided on this site is distributed with the understanding that PMA Capital is not providing professional advice of any type. If you have a question requiring professional advice, such as a question relating to law, tax or financial planning, please seek the advice of a qualified professional in the relevant field.

Minors and Child Online Privacy Protection Act
Our Website does not direct content to Minors and does not intend to collect personal information from Minors and therefore is not subject to the Child Online Privacy Protection Act. If you allow your minor child, or a child for whom you are legal guardian (a "Minor"), to access and use the Website, you agree that you will be solely responsible for: (i) the online conduct of such Minor; (ii) monitoring such Minor's access to and use of pmacapital.com; and (iii) the consequences of any use.

Enforceability of These Provisions
Should any of these terms and conditions be held invalid, that invalid provision shall be construed to be consistent with the applicable law, and in a manner so as to remain consistent with the original intent of PMA Capital. Provisions not otherwise held invalid shall remain in force. Use of this website and any transactions with the Company through this website shall be governed by the laws of the Commonwealth of Pennsylvania without giving affect to principles of conflicts of laws.

Privacy Policy
While visiting our Website, you have the opportunity to volunteer personal information and visitor information may be collected automatically as you navigate through our sites. Visitor information includes any information gathered by our Internet web software. Personal information can be anything that identifies you or your accounts. You may volunteer it in a form submitted through the Website, sent by you via e-mail or entered in response to an interactive function.

The PMA Capital Website contains links to other sites. We are not responsible for the privacy practices or the content of such sites.

Your continued use of our Website from within the European Union (EU) means that you are giving your consent to have any personal information you volunteer processed outside the EU in accordance with the protections described in this statement.

We use visitor information, including your IP address, the software version and domain reported by your browser and cookies, to help us manage the site and provide functionality to you. We do not use this information for direct marketing or solicitation of business from visitors to the Website. PMA Capital does not release personal information to any other party unless we are required to do so by operation of law, government authorities or unless we are authorized to do so by you or your authorized representative in writing.

By using this site, you signify your consent to PMA Capital’s Privacy Policy. We reserve the right, at our discretion, to change this policy from time to time. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

If you do not agree to this policy, please do not use this site to send your personal information to us.