NJM, the largest auto insurer in New Jersey, wishes you a healthy and prosperous 2009. The Company just concluded its 15th consecutive year mailing Special Dividend checks to personal auto policyholders. Now, the Company is receiving mail of its own: "thank-you's" from policyholders.

The $61 million personal auto Special Dividend and the increase in NJM's workers' compensation Regular Dividend demonstrate that, despite the nation's current economic turmoil, NJM remains stable for policyholders.

As a further testament, in mid-December A.M. Best Company reaffirmed its highest possible rating, A++ (Superior), for NJM's financial strength. Less than 8% of the Company's investment portfolio is in stocks, and the rest is in high-quality bonds, of which 98% are rated "A" or better.