<SEC-DOCUMENT>0001144204-12-017109.txt : 20120326
<SEC-HEADER>0001144204-12-017109.hdr.sgml : 20120326
<ACCEPTANCE-DATETIME>20120326160114
ACCESSION NUMBER:		0001144204-12-017109
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		6
CONFORMED PERIOD OF REPORT:	20120425
FILED AS OF DATE:		20120326
DATE AS OF CHANGE:		20120326
EFFECTIVENESS DATE:		20120326

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SELECTIVE INSURANCE GROUP INC
		CENTRAL INDEX KEY:			0000230557
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				222168890
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-33067
		FILM NUMBER:		12714580

	BUSINESS ADDRESS:	
		STREET 1:		40 WANTAGE AVENUE
		CITY:			BRANCHVILLE
		STATE:			NJ
		ZIP:			07890
		BUSINESS PHONE:		9739483000

	MAIL ADDRESS:	
		STREET 1:		40 WANTAGE AVE
		STREET 2:		40 WANTAGE AVE
		CITY:			BRANCHVILLE
		STATE:			NJ
		ZIP:			07890

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SRI CORP
		DATE OF NAME CHANGE:	19860508
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>v306205_def14a.htm
<DESCRIPTION>DEF 14A
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Arial, Helvetica, Sans-Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>UNITED
STATES</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>SECURITIES
AND EXCHANGE COMMISSION</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>WASHINGTON,
DC 20549</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>SCHEDULE
14A</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>(Rule
14a-101)</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>INFORMATION
REQUIRED IN PROXY STATEMENT</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>SCHEDULE
14A INFORMATION</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Proxy
Statement Pursuant to Section 14(a) of the Securities</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Exchange
Act of 1934</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Filed
by the Registrant</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"> </FONT><FONT STYLE="font-family: Wingdings">x</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Filed
by a Party other than the Registrant</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"> </FONT><FONT STYLE="font-family: Wingdings">&uml;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Check
the appropriate box:</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%; font-family: Wingdings">&uml;</TD>
    <TD STYLE="width: 97%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Preliminary proxy statement</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-family: Wingdings">&uml;</TD>
    <TD STYLE="font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Confidential, for use of the Commission
    Only (as permitted by Rule 14a-6(e)(2))</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-family: Wingdings">x</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Definitive Proxy Statement</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-family: Wingdings">&uml;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Definitive Additional Materials</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-family: Wingdings">&uml;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Soliciting Material Pursuant to &sect;240.14a-12</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><U>SELECTIVE
INSURANCE GROUP, INC.</U></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>(Name
of Registrant as Specified In Its Charter)</B></FONT>&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(Name
of Person(s) Filing Proxy Statement, if other than the Registrant)</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Payment
of Filing Fee (Check the appropriate box):</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="font-family: Wingdings">x</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No fee required.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-family: Wingdings">&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-family: Wingdings">&uml;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Fee computed on table below per Exchange Act Rules
    14a-6(i)(1) and 0-11.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 3%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="width: 94%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(1)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Title of each class of securities to which transaction applies:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(2)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Aggregate number of securities to which transactions applies:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(3)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Per unit price or other underlying value of transaction computed
    pursuant to Exchange Act Rule 0-11 (set forth the amount on which the filing fee is calculated and state how it was determined):</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(4)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Proposed maximum aggregate value of transaction:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(5)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Total fee paid:</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Wingdings; margin: 0pt 0"></P>

<P STYLE="font: 10pt Wingdings; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">&uml; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Fee
paid previously with preliminary materials.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">&uml; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Check
box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for which the offsetting
fee was paid previously. Identify the previous filing by registration statement number, or the Form or Schedule and the date of
its filing.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="width: 3%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(1)</FONT></TD>
    <TD STYLE="width: 94%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Amount Previously Paid:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(2)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Form, Schedule or Registration Statement No.:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(3)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Filing Party:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(4)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Date Filed:</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 52%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><img src="logo.jpg"></FONT></TD>
    <TD STYLE="width: 48%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Selective
        Insurance Group, Inc.<BR>
        40 Wantage Avenue<BR>
        Branchville, New Jersey 07890</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(973)
        948-3000</FONT></P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>March
26, 2012</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>NOTICE
OF 2012 ANNUAL MEETING OF STOCKHOLDERS</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>AND
PROXY STATEMENT</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>April
25, 2012</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
2012 Annual Meeting of Stockholders of Selective Insurance Group, Inc. (&ldquo;Selective&rdquo;) will be held at 3:00 PM Eastern
Time on Wednesday, April 25, 2012, in the Auditorium at Selective&rsquo;s principal offices, which are located at, and have a
mailing address of, 40 Wantage Avenue, Branchville, New Jersey 07890.</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">At
the meeting, we will ask stockholders to:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1.</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Elect eleven
                                                           directors for a one-year term expiring in 2013;</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2.</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Approve
                                                           a non-binding advisory resolution on the compensation of Selective&rsquo;s
                                                           named executive officers; and</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">3.</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ratify
                                                           the appointment of KPMG LLP as our independent registered public accounting
                                                           firm for the fiscal year ending December 31, 2012.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We
plan a brief business meeting focused on these items and we will attend to any other business properly brought before the meeting
and at any adjournments or postponements of the meeting. <B>The Board of Directors recommends that: (i) you vote &ldquo;FOR&rdquo;
all of the nominees to the Board of Directors; and (ii) you vote in favor of Proposals 2 and 3.</B> These proposals are further
described in the proxy statement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Also
enclosed is Selective&rsquo;s 2011 Annual Report to Stockholders. At the meeting, we will be making a brief presentation on operations
and will offer time for your comments and questions.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Selective
stockholders of record at the close of business on March 5, 2012 are entitled to notice of, and to vote at, the meeting and any
adjournment of it. A quorum is a majority of outstanding shares. YOUR VOTE IS IMPORTANT. WE URGE YOU TO VOTE YOUR SHARES BY: (1)
CALLING THE TOLL-FREE TELEPHONE NUMBER LISTED ON THE PROXY CARD; (2) ACCESSING THE INTERNET WEBSITE LISTED ON THE PROXY CARD;
OR (3) COMPLETING, DATING, AND SIGNING THE PROXY CARD AND RETURNING IT IN THE ENCLOSED ENVELOPE. YOUR PROXY MAY BE REVOKED AT
ANY TIME, AS DESCRIBED IN THE PROXY STATEMENT, PRIOR TO THE TIME IT IS VOTED AT THE 2012 ANNUAL MEETING.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Very
truly yours,</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;<IMG SRC="sig1.jpg" ALT=""></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Gregory
E. Murphy</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chairman
of the Board, President and Chief Executive Officer</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By
Order of the Board of Directors:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><img src="sig2.jpg"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Robyn
P. Turner</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Corporate
Secretary</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt/150% Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/150% Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>TABLE
OF CONTENTS</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="width: 95%; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_001"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>PROXY STATEMENT</B></FONT></A></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="width: 4%; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_002"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>GENERAL INFORMATION ABOUT SELECTIVE&rsquo;S ANNUAL MEETING</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_003"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>PROPOSALS FOR STOCKHOLDER VOTE AND APPROVAL REQUIREMENTS</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_004"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>OTHER MATTERS TO COME BEFORE THE ANNUAL MEETING</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">4</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_005"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>VOTING AND PROXY PROCEDURE</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">5</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: -9pt; tab-stops: .5in right 6.5in; font-weight: bold; padding-left: 9pt"><A HREF="#a_006"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>IMPORTANT NOTICE REGARDING AVAILABILITY OF PROXY MATERIALS FOR THE ANNUAL MEETING OF STOCKHOLDERS TO BE HELD ON APRIL 25, 2012</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">6</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_007"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>INFORMATION ABOUT PROPOSAL 1</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">6</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_008"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>SECURITY OWNERSHIP OF MANAGEMENT AND CERTAIN BENEFICIAL OWNERS</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">13</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_009"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>EXECUTIVE OFFICERS</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">14</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_010"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>TRANSACTIONS WITH RELATED PERSONS</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">14</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_011"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>SECTION&nbsp;16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">16</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_012"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>CORPORATE GOVERNANCE</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">16</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_013"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>BOARD MEETINGS AND COMMITTEES</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">17</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_014"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>RISK MANAGEMENT</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">20</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_015"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>STOCKHOLDER COMMUNICATIONS</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">22</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_016"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>CODE OF CONDUCT</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">22</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_017"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>EXECUTIVE COMPENSATION</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>23</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_018"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>23</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 9pt; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_020"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Summary Compensation Table</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">41</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 9pt; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_021"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Grants of Plan Based Awards</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">43</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 9pt; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_022"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Outstanding Equity Awards at Fiscal Year End</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">44</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 9pt; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_023"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Option Exercises and Stock Vested</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">45</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 9pt; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_024"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Pension Benefits</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">46</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 9pt; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_025"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Nonqualified Deferred Compensation</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">47</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 9pt; text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_026"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Employment Agreements and Potential Payments upon Termination or Change of Control</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">48</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_027"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>DIRECTOR COMPENSATION</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">51</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_028"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>COMPENSATION COMMITTEE INTERLOCKS AND INSIDER PARTICIPATION</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">52</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_029"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>COMPENSATION COMMITTEE REPORT</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">52</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_030"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>INFORMATION ABOUT PROPOSAL 2</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">53</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_031"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>INFORMATION ABOUT PROPOSAL 3</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">54</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_032"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>FEES OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">54</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_033"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>AUDIT COMMITTEE REPORT</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">55</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_034"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>STOCKHOLDER PROPOSALS AND NOMINATIONS</B></FONT></A></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">56</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold"><A HREF="#a_035"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>DOCUMENTS INCORPORATED BY REFERENCE</B></FONT></A></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-indent: 0in; tab-stops: .5in right 6.5in; font-weight: bold; padding-right: 0; padding-left: 0; text-align: right; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">56</FONT></TD></TR>
</TABLE>
<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><B>&nbsp;&nbsp;</B></P>

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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="a_001" TITLE="pstmt"></A>PROXY
STATEMENT</B></FONT></P>

<P STYLE="font: 10pt/13pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt/13pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>FOR
THE 2012 ANNUAL MEETING OF STOCKHOLDERS </B></FONT></P>

<P STYLE="font: 10pt/13pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>TO
BE HELD APRIL 25, 2012</B></FONT></P>

<P STYLE="font: 10pt/13pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="a_002" TITLE="gins"></A>GENERAL
INFORMATION ABOUT SELECTIVE&rsquo;S ANNUAL MEETING</B></FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>WHEN
AND WHERE IS THE ANNUAL MEETING?</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
2012 Annual Meeting of Stockholders (the &ldquo;Annual Meeting&rdquo;) of Selective Insurance Group, Inc. (&ldquo;Selective&rdquo;)
will be held on Wednesday, April 25, 2012, at 3:00 PM Eastern Time in the Auditorium at Selective&rsquo;s principal offices at
40 Wantage Avenue, Branchville, New Jersey 07890. Directions are on the back of this Proxy Statement. Our telephone number is
(973) 948-3000.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>WHEN
WAS THIS PROXY STATEMENT MAILED?</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">This
Proxy Statement is being mailed to stockholders on or about March 26, 2012.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>WHO
IS ENTITLED TO VOTE AT THE ANNUAL MEETING?</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Anyone
who owned Selective common stock as of the close of business on March 5, 2012, is entitled to one vote per share owned. There
were 54,741,402 shares outstanding at the close of business on that date.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>WHO
IS SOLICITING MY PROXY TO VOTE MY SHARES AND WHEN?</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Selective&rsquo;s
Board of Directors (&ldquo;Board of Directors&rdquo; or the &ldquo;Board&rdquo;) is soliciting your &ldquo;proxy,&rdquo; or your
authorization for our named proxies, Michael J. Morrissey and Cynthia S. Nicholson, to vote your shares. </B> Unless revoked by
you, your proxy will be effective for the Annual Meeting and for any adjournments or postponements of that meeting.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>WHAT
IS THE COST OF SOLICITING PROXIES AND WHO IS PAYING FOR THE COST?</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Selective
is bearing the entire cost of soliciting proxies. Proxies will be solicited principally through the mail, but may also be solicited
personally, by telephone, or in writing by Selective directors or officers, or employees of a Selective subsidiary, for no additional
compensation. Selective has engaged Georgeson Inc. (&ldquo;Georgeson&rdquo;), a proxy solicitation firm, to assist in the solicitation
of proxies and the distribution of proxy materials. Georgeson will provide such services for an estimated fee of approximately
$8,000 plus expenses. Selective will reimburse banks, brokerage firms, and other custodians, nominees, and fiduciaries for reasonable
expenses incurred by them in sending proxy materials to their customers or principals who are the beneficial owners of shares
of Selective common stock.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>WHAT
ARE THE REQUIREMENTS FOR BUSINESS TO BE CONDUCTED AT THE ANNUAL MEETING?</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">For
business to be conducted at the Annual Meeting, owners of 27,370,702<B> </B>shares of Selective common stock (a majority of the
issued and outstanding shares entitled to vote) constituting a quorum, must be in attendance or represented by proxy. Our common
stock is our only class of voting securities.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="a_003" TITLE="proposal"></A>PROPOSALS
FOR STOCKHOLDER VOTE AND APPROVAL REQUIREMENTS<BR STYLE="mso-special-character: line-break">
&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Management
is presenting three proposals for a stockholder vote.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 1.25in; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">PROPOSAL
                            1.</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>ELECTION
                                                                                        OF DIRECTORS</U></FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">THE
BOARD RECOMMENDS THAT YOU VOTE <B><U>FOR</U></B> THE FOLLOWING ELEVEN NOMINATED DIRECTORS FOR A TERM OF ONE YEAR: PAUL D. BAUER;
ANNABELLE G. BEXIGA; A. DAVID BROWN; JOHN C. BURVILLE; JOAN M. LAMM-TENNANT; MICHAEL J. MORRISSEY; GREGORY E. MURPHY; CYNTHIA
S. NICHOLSON; RONALD L. O&rsquo;KELLEY; WILLIAM M. RUE; AND J. BRIAN THEBAULT.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
can find information about these nominees, Selective&rsquo;s Board of Directors, its committees, and other related matters beginning
on page 6.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">New
Jersey law and Selective&rsquo;s By-Laws govern the vote on Proposal 1, on which you may:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vote
                                                                                                               &ldquo;FOR&rdquo;
                                                                                                               all the nominees;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vote
                                                                                                               &ldquo;AGAINST&rdquo;
                                                                                                               all of the nominees;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vote
                                                                                                               &ldquo;FOR&rdquo;
                                                                                                               or &ldquo;AGAINST&rdquo;
                                                                                                               specific nominees;
                                                                                                               or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Abstain
                                                                                                               from voting. </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 20.95pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Under
our By-Laws, assuming a quorum is present, directors in uncontested elections must be elected by a majority of votes cast. A majority
means that the number of votes cast &ldquo;for&rdquo; a director nominee must exceed the number of votes cast &ldquo;against&rdquo;
the nominee. In an uncontested election, any director nominee who does not receive a majority of the &ldquo;for&rdquo; votes cast
is required to tender his or her resignation from the Board of Directors within five days of certified election results. In such
a case: (i) the Corporate Governance and Nominating Committee must make a recommendation to the Board of Directors as to whether
it should accept the resignation; and (ii) the Board of Directors must decide whether to accept such resignation and disclose
its decision-making process. Stockholders may not cumulate their votes. Under New Jersey law and consistent with the proxy rules
of the United States Securities and Exchange Commission (&ldquo;SEC&rdquo;), abstentions and broker non-votes will not be taken
into account in determining the outcome of the vote.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 1.25in; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">PROPOSAL
                            2.</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>APPROVAL
                                                                                        OF NON-BINDING ADVISORY RESOLUTION ON
                                                                                        COMPENSATION OF OUR NAMED EXECUTIVE OFFICERS</U></FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 1.25in; text-indent: -1.25in"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">THE
BOARD RECOMMENDS THAT YOU VOTE <B><U>FOR</U></B> THE APPROVAL, ON AN ADVISORY BASIS, OF THE COMPENSATION OF OUR NAMED EXECUTIVE
OFFICERS DISCLOSED IN THIS PROXY STATEMENT.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">New
Jersey law and Selective&rsquo;s By-Laws govern the vote on Proposal 2, on which you may:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vote
                                                                                                               in favor of Proposal
                                                                                                               2;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vote
                                                                                                               against Proposal
                                                                                                               2; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Abstain
                                                                                                               from voting.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Assuming
a quorum is present, Proposal 2 will pass if approved by an affirmative vote of a majority of the votes cast at the Annual Meeting.
Under New Jersey law and consistent with the SEC&rsquo;s proxy rules, abstentions and broker non-votes will not be taken into
account in determining whether the proposal has received the requisite number of affirmative votes.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 1.25in; text-indent: -1.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 1.25in; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">PROPOSAL
                            3.</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>RATIFICATION
                                                                                        OF APPOINTMENT OF INDEPENDENT REGISTERED
                                                                                        PUBLIC ACCOUNTING FIRM</U></FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 1.25in; text-indent: -1.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">THE
BOARD RECOMMENDS THAT YOU VOTE <B><U>FOR </U></B>THE RATIFICATION OF THE APPOINTMENT OF KPMG LLP AS OUR INDEPENDENT REGISTERED
PUBLIC ACCOUNTING FIRM FOR THE FISCAL YEAR ENDING DECEMBER 31, 2012.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
can find information about Selective&rsquo;s relationship with KPMG LLP beginning on page 54.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">New
Jersey law and Selective&rsquo;s By-Laws govern the vote on Proposal 3, on which you may:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vote
                                                                                                               in favor of Proposal
                                                                                                               3;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vote
                                                                                                               against Proposal
                                                                                                               3; or </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Abstain
                                                                                                               from voting. </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Assuming
a quorum is present, Proposal 3 will pass if it receives an affirmative vote of a majority of the votes cast at the Annual Meeting.
Under New Jersey law and the SEC&rsquo;s proxy rules, abstentions will not be counted as votes cast and, accordingly, will not
be taken into account in determining whether the proposal has received the requisite number of affirmative votes.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 1in; text-indent: -1in">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="a_004" TITLE="other"></A>OTHER
MATTERS TO COME BEFORE THE ANNUAL MEETING</B></FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
Board of Directors is not aware of any other business to be presented for a vote at the Annual Meeting. If any other matters are
properly presented for a vote, the people named as proxies will have discretionary authority, to the extent permitted by applicable
law and NASDAQ Stock Market (&ldquo;NASDAQ&rdquo;) and SEC rules and regulations, to vote on such matters according to their best
judgment.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
Chairman of the Annual Meeting may refuse to allow presentation of a proposal or nominee for the Board of Directors if the proposal
or nominee is not properly submitted. The requirements for submitting proposals and nominations for this year&rsquo;s meeting
are set forth in Selective&rsquo;s By-Laws.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="a_005" TITLE="voting"></A>VOTING
AND PROXY PROCEDURE</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>HOW
DO I VOTE?</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
can vote four ways:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1.</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>BY
                                                                MAIL</U>. Mark your voting instructions on, then sign and date
                                                                the proxy card. Then return the proxy card in the postage-paid
                                                                envelope provided. If you mail your proxy card, we must receive
                                                                it before the beginning of the meeting.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 63pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">If
we receive your signed proxy card, but you do not give voting instructions, the named proxies will vote your shares FOR each of
the director nominees and FOR Proposals 2 and 3. If any other matters arise during the meeting that require a vote, the named
proxies will exercise their discretion, to the extent permitted by applicable law and NASDAQ and SEC rules and regulations, in
accordance with their best judgment.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>BY
                                                                TELEPHONE</U>. Call the toll-free number on your proxy card to
                                                                vote by telephone. Follow the instructions on your proxy card
                                                                and the voice prompts. IF YOU VOTE BY TELEPHONE, YOU DO NOT NEED
                                                                TO RETURN YOUR PROXY CARD.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">3.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>BY
                                                                INTERNET</U>. Go to the website listed on your proxy card to vote
                                                                through the Internet. Follow the instructions on your proxy card
                                                                and the website. If you vote through the Internet, you may incur
                                                                telephone and/or Internet access charges from your service providers.
                                                                IF YOU VOTE BY INTERNET, YOU DO NOT NEED TO RETURN YOUR PROXY
                                                                CARD.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">4.</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>IN
                                                                PERSON</U>. Attend the Annual Meeting, or send a personal representative
                                                                with an appropriate proxy, in order to vote.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>HOW
DO I REVOKE MY PROXY OR CHANGE MY VOTING INSTRUCTIONS?</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
may revoke your proxy before the proxy is exercised by writing to Selective&rsquo;s Corporate Secretary, Robyn P. Turner, at the
address in the meeting notice on the cover of this Proxy Statement. You may also change your vote before the proxy is exercised
by entering a new vote via the Internet, by telephone, or by returning a properly executed proxy bearing a later date. Any subsequent
timely and valid vote by any means will change your prior vote. For example, if you voted by telephone, a subsequent Internet
vote will change your vote. The last vote received before noon central time on April 24, 2012 will be the vote that is counted,
except that you may also change your vote by voting in person at the Annual Meeting.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>HOW
WILL PROXIES BE VOTED IF I GIVE MY AUTHORIZATION?</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">If
you properly execute your proxy on the accompanying form and return it to Selective or submit your proxy by telephone or Internet,
and do not subsequently revoke your proxy, your shares of common stock will be voted at the Annual Meeting in accordance with
your instructions. In the absence of instructions, the named proxies will vote your shares FOR each of the director nominees and
FOR Proposals 2 and 3. If other matters should properly come before the meeting, the named proxies will vote on such matters,
to the extent permitted by applicable law and NASDAQ and SEC rules and regulations, in accordance with their best judgment.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>HOW
WILL VOTES BE COUNTED?</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
inspectors of election appointed for the Annual Meeting by the Board of Directors will separately tabulate affirmative and negative
votes, abstentions and broker non-votes (shares held by a broker, bank or other nominee that does not have authority, either express
or discretionary, to vote on a particular matter). Shares represented by proxies that reflect abstentions and broker non-votes
are counted for determining whether there is a quorum. Brokers may exercise their discretionary voting power for Proposal 3.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">For
Proposal 1, abstentions and broker non-votes will not be considered in determining whether director nominees have received more
&ldquo;for&rdquo; votes than &ldquo;against&rdquo; votes. Approval of Proposal 2 requires the affirmative vote of a majority of
votes cast at the Annual Meeting. Abstentions and broker non-votes have no effect on the outcome of Proposal 2. Approval of Proposal
3 requires the affirmative vote of a majority of votes cast at the Annual Meeting. Abstentions have no effect on Proposal 3.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>WHAT
IF MY SHARES ARE NOT REGISTERED IN MY NAME?</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">If
you own your shares in &ldquo;street name,&rdquo; meaning that your broker is actually the record owner, you should contact your
broker. When a broker does not have voting instructions and withholds its vote on one of these matters, it is called a &ldquo;broker
non-vote.&rdquo; Broker non-votes count toward a quorum, but otherwise do not affect the outcome of any proposal.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B><A NAME="a_006" TITLE="important"></A>IMPORTANT
NOTICE REGARDING AVAILABILITY OF PROXY MATERIALS FOR<BR>
THE ANNUAL MEETING OF STOCKHOLDERS TO BE HELD ON APRIL 25, 201</B></FONT>2</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: normal 10pt Arial, Helvetica, Sans-Serif">This
Proxy Statement is available on Selective&rsquo;s internet website at </FONT><I>www.selective.com</I><FONT STYLE="font-weight: normal">.</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="a_007" TITLE="information"></A>INFORMATION
ABOUT PROPOSAL 1</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Election
of Directors</B></FONT></P>



<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Under
our By-Laws, as amended on December 3, 2010, directors in uncontested elections must be elected by a majority of votes cast. A
majority means that the number of votes cast &ldquo;for&rdquo; a director nominee must exceed the number of votes cast &ldquo;against&rdquo;
that nominee. For more information on our majority voting policy, please see &ldquo;Corporate Governance &ndash; Majority Voting
for Directors in Uncontested Elections&rdquo; on page 16.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">At
our 2010 Annual Meeting of Stockholders, as part of an ongoing effort to adopt &ldquo;best practices&rdquo; in corporate governance,
the Board recommended, and Selective&rsquo;s stockholders approved, amendments to Selective&rsquo;s Restated Certificate of Incorporation
and By-Laws to phase out Selective&rsquo;s classified board structure over the two-year period following the 2010 Annual Meeting.
Accordingly, at this Annual Meeting, all directors are standing for election for a one-year term. In all cases, each director
will hold office until a successor has been elected and qualified, or until the director&rsquo;s earlier resignation or removal.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Selective&rsquo;s
Board of Directors currently has 11 members. Pursuant to Selective&rsquo;s Restated Certificate of Incorporation, as amended,
and its By-Laws, Selective may have a minimum of seven and a maximum of 20 directors. By majority vote, the Board of Directors
may set the number of directors within this range at any time.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Process
for Review and Nomination of Director Candidates</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
Corporate Governance and Nominating Committee is responsible for the review and nomination of candidates to the Board of Directors<SUP>1</SUP>.
The Corporate Governance and Nominating Committee reviews all director candidates for possible nomination and election to the
Board and seeks such candidates from any source, including:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Directors
                                                                                                               and management;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Third
                                                                                                               party search firms
                                                                                                               that the Corporate
                                                                                                               Governance and
                                                                                                               Nominating Committee
                                                                                                               may engage; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Stockholders.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><SUP>1
</SUP>See chart on page 18 for further discussion of the Corporate Governance and Nominating Committee&rsquo;s other responsibilities.</FONT></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Any
stockholder proposing Board candidate(s) must submit in writing all information required to be disclosed pursuant to Regulation
14A under the Securities Exchange Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;) in a solicitation of proxies for the
election of a director to the Chairman of the Corporate Governance and Nominating Committee, c/o Corporate Secretary, 40 Wantage
Avenue, Branchville, New Jersey 07890.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Regardless
of source, the Corporate Governance and Nominating Committee evaluates all candidates based on, among other things, the following
standards:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Personal
                                                                                                               and professional
                                                                                                               ethics, integrity,
                                                                                                               character, and
                                                                                                               values;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Professional
                                                                                                               and personal experience;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Business
                                                                                                               judgment;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Skills
                                                                                                               and expertise;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Industry
                                                                                                               knowledge;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Independence
                                                                                                               and avoidance or
                                                                                                               limitation of potential
                                                                                                               or actual conflicts
                                                                                                               of interest;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Dedication
                                                                                                               and commitment
                                                                                                               to representing
                                                                                                               the long-term interests
                                                                                                               of Selective and
                                                                                                               its stockholders;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Willingness
                                                                                                               to dedicate and
                                                                                                               devote sufficient
                                                                                                               time to Board duties
                                                                                                               and activities;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Other
                                                                                                               appropriate and
                                                                                                               relevant factors,
                                                                                                               including the qualification
                                                                                                               and skills of the
                                                                                                               current members
                                                                                                               of the Board; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Diversity.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Although
Selective has no formal diversity policy, our Corporate Governance Guidelines provide that the composition of the Board should
encompass a broad range of skills, expertise, industry knowledge, and diversity of opinion. Accordingly, diversity of thought,
experience, gender, race, and ethnic background are greatly considered in the director evaluation process.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Director
Nominees</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No
family relationships exist between any of Selective&rsquo;s current directors, executive officers, and persons nominated by Selective
to become a director.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
Board has ratified the Corporate Governance and Nominating Committee&rsquo;s nomination of the following eleven<B> </B>directors
to stand for election at the 2012 Annual Meeting for terms expiring at the 2013 Annual Meeting or until a successor has been duly
elected and qualified: Paul D. Bauer; Annabelle G. Bexiga; A. David Brown; John C. Burville; Joan M. Lamm-Tennant; Michael J.
Morrissey; Gregory E. Murphy; Cynthia S. Nicholson; Ronald L. O&rsquo;Kelley; William M. Rue; and J. Brian Thebault. S. Griffin
McClellan III will be retiring at the Annual Meeting. The Board thanks him for his 32 years of service to Selective.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">All
nominees have consented to being named in this Proxy Statement and to serving if elected. The Board does not know of any reason
why any of these nominees would decline or be unable to serve if elected. If a nominee becomes unavailable or unable to serve
before the Annual Meeting, the Board can either reduce its size or designate a substitute nominee. If the Board designates a substitute
nominee, proxies that would have been cast for the original nominee will be cast for the substitute nominee unless instructions
are given to the contrary.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>NOMINEES
    OF THE BOARD OF DIRECTORS</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Paul
        D. Bauer</B>, 68</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Independent
        Director, 1998</FONT></P></TD>
    <TD STYLE="width: 72%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Retired
        financial executive.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.15pt; text-indent: -7.15pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Executive Vice President and Chief Financial Officer of
        Tops Markets, Inc., 1970 to 1993.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.15pt; text-indent: -7.15pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, Rosina Holdings Inc., since 2002.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.15pt; text-indent: -7.15pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, Catholic Health System of Western New York, 1998
        to 2008.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.15pt; text-indent: -7.15pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Co-founder and President, The Bison Scholarship Fund (formerly
        named the Buffalo Inner-City Scholarship Opportunity Network), since 1995.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.15pt; text-indent: -7.15pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee, Holy Angels Academy, 2005 to 2011.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.6pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate of Boston College (B.S. Accounting).</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Discussion
    of individual experience, qualifications, attributes, and skills.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Mr.
    Bauer is the former Chief Financial Officer of a publicly-traded company and the Audit Committee&rsquo;s designated financial
    expert.&nbsp;&nbsp;Mr. Bauer is very active in the Buffalo community and knowledgeable of Upstate New York, which is an important
    market for us.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Annabelle
        G. Bexiga</B>, 50</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Independent
        Director</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Senior Managing Director and Chief Information Officer,
        TIAA-CREF, since 2010.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chief
        Information Officer, Bain Capital, LLC, 2008 to 2010.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Elysian
        Coaching &amp; Consulting, President and Founder, 2007.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Managing Director and Chief Information Officer, JPMorgan
        Invest, Inc., 2003 to 2006.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member, CIO&rsquo;s Executive Council, Executive Women
        in Information Technology.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member,
        CIO Strategy Exchange.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate
        of Seton Hall University (B.Sc.).</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">International
        Executive MBA Program, Rutgers University.</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Discussion
    of individual experience, qualifications, attributes, and skills.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ms.
    Bexiga has extensive financial services and information technology experience. She was named by Insurance and Technology Magazine
    as one of the 2011 &ldquo;Elite 8&rdquo; CIOs. Ms. Bexiga is focused on innovative means of using social media to change retail
    behavior. She is also skilled in leading teams in multi-cultural environments and was certified as an executive coach. We
    believe that Ms. Bexiga&rsquo;s expertise in information technology, and its use by retail financial services companies, is
    extremely important to the Board in setting Selective&rsquo;s long-term strategies, particularly related to customer and agency
    experience matters.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>A.
        David Brown</B>, 69</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Independent
        Director, 1996</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Lead
        Independent Director, 2009 &ndash; present</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Executive Vice President and Chief Administrative Officer,
        Urban Brands, Inc., since October 2011. In September 2010, Urban Brands, Inc. filed for protection under Chapter 11 of
        the U.S. Bankruptcy Code. Urban Brands, Inc. was acquired by a subsidiary of Gordon Brothers Group in November 2010 and
        emerged from bankruptcy.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Executive Vice President, Human Resources, Urban Brands,
        Inc., 2009 to October 2011.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Senior Vice President, Human Resources, Linens &lsquo;n
        Things, Inc., 2006 to 2009. In May 2008, Linens &lsquo;n Things, Inc. filed for protection under Chapter 11 of the U.S.
        Bankruptcy Code.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Managing Partner, Bridge Partners, LLC, an executive recruiting
        firm, 2003 to 2006.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee, Monmouth University.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee, Jackie Robinson Foundation, 2003 to 2011.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate of Monmouth University (B.S.).</FONT></P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR>
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>NOMINEES
    OF THE BOARD OF DIRECTORS</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Discussion
    of individual experience, qualifications, attributes, and skills.</FONT></TD>
    <TD STYLE="width: 72%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Mr.
    Brown has had a long career in human resources, with extensive experience in executive development, recruitment and leadership,
    employee benefits and compensation, particularly in corporate restructurings. He has run his own business and worked for large
    corporations. He also has a long commitment to diversity and was the managing director of a search firm specializing in diversity.
    Mr. Brown has extensive corporate governance experience and has served on several public company boards. He is active in several
    institutions based in New Jersey, where we are headquartered.&nbsp;&nbsp;Mr. Brown&rsquo;s strong leadership and inter-personal
    skills have made him an effective Lead Independent Director.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>John
        C. Burville</B>, 64</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Independent
        Director, 2006</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Insurance
        Consultant to the Bermuda Government, 2003 to 2007.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Bermuda
        Insurance Advisory Committee, 1985 to 2003.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chief Actuary and Senior Rating Agency Manager of ACE Limited,
        1992 to 2003.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate of Leicester University in the United Kingdom
        (B.Sc. and Ph.D.).</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Fellow
        of the Institute of Actuaries.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member
        of the American Academy of Actuaries.</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Discussion
    of individual experience, qualifications, attributes, and skills.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Mr.
    Burville has extensive insurance industry knowledge and served as chief actuary of one of the world&rsquo;s largest property
    and casualty insurance companies. He is extremely knowledgeable about reserving and numerous actuarial techniques to calculate
    ultimate reserve levels.&nbsp;&nbsp;Mr. Burville is looked to as an actuarial subject matter expert on the Board.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Joan
                                                                                        M. Lamm-Tennant</B>, 59</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Independent
        Director, 1993</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
                                                                                                                                   </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Global
                                                                                                                                   Chief
                                                                                                                                   Economist
                                                                                                                                   &amp;
                                                                                                                                   Risk
                                                                                                                                   Strategist,
                                                                                                                                   Guy
                                                                                                                                   Carpenter
                                                                                                                                   &amp;
                                                                                                                                   Company,
                                                                                                                                   LLC,
                                                                                                                                   since
                                                                                                                                   2007.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vice President, Marsh &amp; McLennan Companies, Inc., 2009 to January
2011.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Senior Vice President, General Re Corporation, 1997 to
        2007.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Lawrence and Susan Hirsh Adjunct Professor of International
        Business, the Wharton School of the University of Pennsylvania, since 2010.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Adjunct Professor the Wharton School of the University
        of Pennsylvania, 2006 to 2010.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, IVANS, Inc., since 2004.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, International Insurance Society, since 2011.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member, American Risk and Insurance Association.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member, Association for Investment Management and Research.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate of St. Mary&rsquo;s University (B.B.A. and M.B.A.).</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">
        Graduate of the University of Texas (Ph.D.).</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Discussion
    of individual experience, qualifications, attributes, and skills.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ms.
    Lamm-Tennant has extensive insurance industry experience. She is a recognized expert in the fields of enterprise risk management
    and capital modeling. Ms. Lamm-Tennant currently serves as an advisor to Marsh &amp; McLennan Companies, Inc. as well as eight
    national or multinational insurance companies on enterprise risk management implementation. She is active in several industry
    associations and a finance professor. Ms. Lamm-Tennant is a financial expert and particularly knowledgeable regarding investments
    and investment strategies.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR>
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>NOMINEES
    OF THE BOARD OF DIRECTORS</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Michael
        J. Morrissey</B>, 64</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Independent
        Director, 2008</FONT></P></TD>
    <TD STYLE="width: 72%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">President &amp; Chief Executive Officer, International
        Insurance Society, Inc., since 2009.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chairman and Chief Executive Officer, Firemark Investments,
        1983 to 2009.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, CGA Group, Ltd., 1998 to 2009.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chartered Financial Analyst.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member, Association of Insurance and Financial Analysts.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member, New York Society of Securities Analysts.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate of Boston College (B.A.).</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate of Dartmouth College (M.B.A.).</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate of Harvard University (Corporate Financial Management
        Program).</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Discussion
    of individual experience, qualifications, attributes, and skills.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Mr.
    Morrissey has 39 years of insurance industry experience. He is the head of an international insurance trade association, previously
    ran an investment firm specializing in insurance companies, and was president and chief investment officer of an insurance
    company. Mr. Morrissey is very knowledgeable regarding the investment community, investor relations, and the analysis of strategic
    transactions.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.15pt; text-indent: -14.15pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Gregory
        E. Murphy</B>, 56</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.15pt; text-indent: -14.15pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Employee
        Director, 1997</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chairman, President and Chief Executive Officer of Selective,
        since May 2000.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">President
        and Chief Executive Officer of Selective, 1999 to 2000.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">President
        and Chief Operating Officer of Selective, 1997 to 1999.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Other senior executive, management, and operational positions
        at Selective, since 1980.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Certified
        Public Accountant (New Jersey) (Inactive).</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee,
        Newton Medical Center Foundation, since 1999.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, Property Casualty Insurers Association of America,
        since 2008.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director,
        Insurance Information Institute, since 2000.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee, the American Institute for CPCU (AICPCU) and the
        Insurance Institute of America (IIA), since 2001.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate
        of Boston College (B.S. Accounting).</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Harvard
        University (Advanced Management Program).</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">M.I.T.
        Sloan School of Management.</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-indent: 0.9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Discussion
    of individual experience, qualifications, attributes, and skills.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Mr.
    Murphy, with 32 years of service at Selective and 13 as Chief Executive Officer, is the Director most knowledgeable about
    our operations. We consider his service on the Board extremely valuable to informed business and strategic decision-making.
    He has broad experience and knowledge in the areas of reinsurance, and insurance pricing and industry fundamentals. Mr. Murphy
    has extensive contacts in the insurance industry and serves as a director or trustee of several important industry groups.
    He is an accountant, served as our Chief Financial Officer prior to assuming other leadership positions, and is extremely
    financially sophisticated.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR>
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center"><B>NOMINEES OF THE BOARD OF DIRECTORS</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.15pt; text-indent: -14.15pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Cynthia
        S. Nicholson</B>, 47</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.15pt; text-indent: -14.15pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Independent
        Director,</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.15pt; text-indent: -14.15pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2009</FONT></P></TD>
    <TD STYLE="width: 72%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Executive Vice President and Chief Marketing Officer, Equinox
        Holdings, Inc., since September 2010.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Co-Founder,
        Pup To Go, LLC, since 2009.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Advisor,
        <FONT STYLE="color: black">GamesThatGive, Inc., 2010 to July 2011</FONT></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Principal Strategist and Director, <FONT STYLE="color: black">GamesThatGive,
        Inc., 2009 to March 2010.</FONT></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"> </FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Senior Vice President and Chief Marketing Officer of Pepsi-Cola
        North America, a division of PepsiCo, Inc., 2005 to 2008.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director,
        Association of National Advertisers, 2006 to 2008.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate
        of Kelley School of Business, Indiana University (M.B.A.).</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate
        of University of Illinois (B.S.).</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Discussion
    of individual experience, qualifications, attributes, and skills.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ms.
    Nicholson is a marketing expert with 23 years of marketing experience in various industries. She served in a variety of senior
    marketing positions at Pepsi, which is known for its brand marketing and senior management training. Ms. Nicholson has extensive
    experience with brand building, advertising, media buying, promotions, digital and social media, and direct marketing. We
    believe that her marketing expertise is invaluable to us as we explore branding and marketing efforts to address competitive
    issues in the property and casualty insurance industry and our distribution through independent agents.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Ronald
        L. O&rsquo;Kelley</B>, 67</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Independent
        Director, 2005</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chairman and Chief Executive Officer, Atlantic Coast Venture
        Investments Inc., 2003 to 2008 and 2009 to present; Director, Atlantic Coast Venture Investments Inc., 2003 to 2009.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">President and Chief Executive Officer, U.S. Shipping Partners,
        L.P., 2008 to 2009, Director 2004 to 2008.&nbsp;&nbsp;In April 2009, U.S. Shipping Partners, L.P. filed for protection
        under Chapter 11 of the U.S. Bankruptcy Code and emerged reorganized as U.S. Shipping Corp in November 2009.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Executive Vice President, Chief Financial Officer and Treasurer,
        State Street Corporation, 1995 to 2002.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Advisory Director, Donald H. Jones Center for Entrepreneurship,
        Tepper School of Business, Carnegie Mellon University, since 2003.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate of Duke University (A.B.).</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate
        of Carnegie Mellon University (M.B.A.).</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Discussion
    of individual experience, qualifications, attributes, and skills.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Mr.
    O&rsquo;Kelley is the former Chief Financial Officer of a large multi-national financial services organization and qualifies
    as a financial expert.&nbsp;&nbsp;He has extensive experience in corporate restructurings for both manufacturing organizations
    and financial institutions. Mr. O&rsquo;Kelley has a demonstrated track record for implementing corporate strategy through
    significant mergers and acquisitions, divestitures, and debt and equity fund raisings. He has significant experience as a
    director of other public companies.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR>
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center"><B>NOMINEES OF THE BOARD OF DIRECTORS</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.15pt; text-indent: -14.15pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>William
        M. Rue</B>, 64</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.15pt; text-indent: -14.15pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Non-Independent
        Director,</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.15pt; text-indent: -14.15pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1977</FONT></P></TD>
    <TD STYLE="width: 72%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">President and former Executive Vice President, Rue Insurance,
        an insurance agency, since 1969.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">President,
        Rue Financial Services, Inc., since 2002.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, 1<SUP>st</SUP> Constitution Bank, since 1989,
        Secretary of the Board, since 2005.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, 1<SUP>st</SUP> Constitution Bancorp, since 1999,
        Secretary of the Board, since 2005. </FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, Robert Wood Johnson University Hospital at Hamilton,
        since 1994.</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"> </FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, Robert Wood Johnson University Hospital Foundation,
        since 1999.</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"> </FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director,
        Robert Wood Johnson Health Care Corp., since 2011.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee,
        Rider University, since 1993.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member,
        Independent Agents &amp; Brokers Association.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member,
        Society of CPCU. </FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member,
        Professional Insurance Agents Association. </FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">President,
        The Rue Foundation, since 2004.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate
        of Rider College (B.A.).</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Discussion
    of individual experience, qualifications, attributes, and skills.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Mr.
    Rue has been one of our independent agents for 43 years, and the chief executive of his agency for 27 years. We believe that,
    because we principally distribute our products through independent agents, it is extremely valuable for informed business
    and strategic decision-making for the Board to have the feedback and input from an independent agent with strong knowledge
    of our operations and the competitive landscape.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>J.
        Brian Thebault</B>, 60</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Independent
        Director, 1996</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Partner, Thebault Associates, since 1987.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chairman, Earth-Thebault, July 2007 to July 2009.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chairman and Chief Executive Officer, L.P. Thebault Company,
        1998 to 2007; President and Chief Executive Officer, L.P. Thebault Company, 1984 to 1998.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, Curex Group Holdings LLC, since January 2010.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee, The Peck School, 1994 to 2010.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee, The Delbarton School, 1990 to 2007.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&middot;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate of University of Southern California (B.S.).</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Discussion
    of individual experience, qualifications, attributes, and skills.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">For
    most of his career, Mr. Thebault has run closely-held businesses, which is the structure of many of our commercial customers.&nbsp;&nbsp;Through
    his career in the printing industry, he has a strong background in sales, marketing, finance matters, and business strategy.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Board
Recommendation</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">THE
BOARD OF DIRECTORS UNANIMOUSLY RECOMMENDS THAT STOCKHOLDERS VOTE &ldquo;<B><U>FOR</U></B>&rdquo; THE NOMINEES OF THE BOARD OF
DIRECTORS.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;&nbsp;</B>&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="a_008" TITLE="security"></A>SECURITY
OWNERSHIP OF MANAGEMENT AND CERTAIN BENEFICIAL OWNERS</B></FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
following table shows as of February 24, 2012:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
                                                                                                               number of shares
                                                                                                               of Selective common
                                                                                                               stock beneficially
                                                                                                               owned by each director,
                                                                                                               the Chairman of
                                                                                                               the Board, President
                                                                                                               and Chief Executive
                                                                                                               Officer (the &ldquo;Chief
                                                                                                               Executive Officer&rdquo;
                                                                                                               or &ldquo;CEO&rdquo;),
                                                                                                               the Chief Financial
                                                                                                               Officer, and the
                                                                                                               other named executive
                                                                                                               officers, as described
                                                                                                               in our Compensation
                                                                                                               Discussion and
                                                                                                               Analysis on page
                                                                                                               23.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
                                                                                                               number of shares
                                                                                                               of Selective common
                                                                                                               stock beneficially
                                                                                                               owned by our directors
                                                                                                               and executive officers
                                                                                                               as a group.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #D9D9D9">
    <TD ROWSPAN="2" NOWRAP STYLE="border: windowtext 1pt solid; background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Name
                                                                                                                                      of
                                                                                                                                      Beneficial<BR></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Owner</FONT></P></TD>
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Number
    of Shares</FONT></TD>
    <TD ROWSPAN="2" STYLE="border: windowtext 1pt solid; background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Percent
    of<BR>
    Class&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #D9D9D9">
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Common
    Stock<SUP>(1)</SUP></FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Options
    Exercisable <BR>
    Within 60 Days of <BR>
    February 24, 2012</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Total
    Shares <BR>
    Beneficially Owned</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%; border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Bauer,
    Paul D.</FONT></TD>
    <TD STYLE="width: 20%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">52,810</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right; width: 20%"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">56,109</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right; width: 16%"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">108,919</FONT></TD>
    <TD STYLE="width: 14%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Bexiga,
    Annabelle G.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">0%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Brown,
    A. David</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">44,631</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">56,109</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">100,740</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Burville,
    John C.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">40,218</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">38,109</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">78,327</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Lamm-Tennant,
    Joan M.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">60,134</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">56,109</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">116,243</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Lanza,
    Michael H.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">38,913</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">21,920</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">60,833</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Marchioni,
    John J.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">51,243</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">22,010</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">73,253</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">McClellan,
    S. Griffin, III</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">52,642</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">50,109</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">102,751</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Morrissey,
    Michael J.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">13,114</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">14,065</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">27,179</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Murphy,
    Gregory E.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">266,292</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">53,314</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">319,606</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Nicholson,
    Cynthia S.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">10,208</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">7,953</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">18,161</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">O&rsquo;Kelley,
    Ronald L.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">28,924</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">44,109</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">73,033</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Rue,
    William M.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">423,193<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">56,109</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">479,302</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Thatcher,
    Dale A.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">91,530</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">31,920</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">123,450</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Thebault,
    J. Brian</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">68,438<SUP>(3)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">56,109</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">124,547</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Zaleski,
    Ronald J.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">65,404</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">46,274</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">111,678</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR>
    <TD STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">All
    directors and executive officers, as a group (18 persons)</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right; vertical-align: top"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,335,056</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right; vertical-align: top"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">610,328</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right; vertical-align: top"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,945,384</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4%</FONT></TD></TR>
</TABLE>


<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"></P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">*
Less than 1% of the common stock outstanding.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -22.3pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><SUP>(1)
</SUP>No directors or executive officers hold Selective common stock in margin accounts or have Selective common stock pledged
for a loan or stock purchase.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><SUP>(2)
</SUP>Includes: (i) 38,430 shares held by Chas. E. Rue &amp; Son, Inc. t/a Rue Insurance (&ldquo;Rue Insurance&rdquo;), an independent
insurance agency of which Mr. Rue is President and owner of more than a 10% equity interest (see page 14 of this Proxy Statement
for more information); and (ii) 5,226 shares held by Mr. Rue&rsquo;s wife.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><SUP>(3)
</SUP>Includes: (i) 10,841 shares held by a grantor retained annuity trust; (ii) 240 shares held in custody for, and 344 shares
held by, Mr. Thebault&rsquo;s son; (iii) 240 shares held in custody for, and 332 shares held by, a daughter of Mr. Thebault; (iv)
232 shares held in custody for, and 105 shares held by, a second daughter of Mr. Thebault; and (v) 105 shares held in custody
for a third daughter of Mr. Thebault.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
following table lists the only persons or groups known to Selective to be the beneficial owners of more than 5% of any class of
Selective&rsquo;s voting securities as of December 31, 2011, based on Schedules 13G filed by the beneficial owners on February
10, 2012, February 14, 2012, and February 10, 2012, respectively, with the SEC.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top; background-color: #D9D9D9">
    <TD NOWRAP STYLE="width: 17%; border: windowtext 1pt solid; background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Title
    of Class</B></FONT></TD>
    <TD NOWRAP STYLE="width: 35%; border: windowtext 1pt solid; background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Name
    &amp; Address of Beneficial Owner</B></FONT></TD>
    <TD NOWRAP STYLE="width: 30%; border: windowtext 1pt solid; background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Amount
    &amp; Nature of Beneficial <BR>
    Ownership</B></FONT></TD>
    <TD NOWRAP STYLE="width: 18%; border: windowtext 1pt solid; background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Percentage
    of Class</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Common
    Stock</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">BlackRock,
                                                                                                                                   Inc.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">40
        East 52nd Street</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">New
        York, NY 10022</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,465,629
                                                                                                                                   shares</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">of
        common stock</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">8.24%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Common
    Stock</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Dimensional
                                                                                                                                   Fund
                                                                                                                                   Advisors
                                                                                                                                   LP</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Palisades
        West, Building One</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">6300
        Bee Cave Road</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Austin,
        TX 78746</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,431,624
                                                                                                                                   shares</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">of
        common stock</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">8.17%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Common
    Stock</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The
                                                                                                                                   Vanguard
                                                                                                                                   Group,
                                                                                                                                   Inc.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">100
        Vanguard Blvd.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Malvern,
        PA 19355</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2,804,570
                                                                                                                                   shares</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">of
        common stock</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">5.17%</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;&nbsp;</P>

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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="a_009" TITLE="executive"></A>EXECUTIVE
OFFICERS</B></FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Information
regarding Executive Officers is incorporated by reference to the section entitled &ldquo;Executive Officers of the Registrant&rdquo;
in Part I, Item 1. Business. of Selective&rsquo;s Annual Report on Form 10-K for the year ended December 31, 2011.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="a_010" TITLE="transaction"></A>TRANSACTIONS
WITH RELATED PERSONS</B></FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>William
M. Rue, Director</U>. Mr. Rue owns more than 10% of the equity and is President of Rue Insurance, an independent insurance agency.
Rue Insurance has been an appointed independent agent of Selective&rsquo;s insurance subsidiaries since 1928 and Selective expects
that relationship to continue in 2012. The appointment of Rue Insurance as an independent agent was made on similar terms and
conditions as other Selective agents and includes the right to participate in the Amended and Restated Selective Insurance Group,
Inc. Stock Purchase Plan for Independent Insurance Agencies (2010). In 2011, Rue Insurance:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Placed
                                                                                                               insurance policies
                                                                                                               with Selective&rsquo;s
                                                                                                               insurance subsidiaries.
                                                                                                               Direct premiums
                                                                                                               written associated
                                                                                                               with these policies
                                                                                                               was $7.8 million
                                                                                                               in 2011. In return,
                                                                                                               Selective&rsquo;s
                                                                                                               insurance subsidiaries
                                                                                                               paid commissions
                                                                                                               to Rue Insurance
                                                                                                               of $1.2<B> </B>million.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Placed
                                                                                                               insurance coverage
                                                                                                               for Selective with
                                                                                                               non-Selective insurance
                                                                                                               companies for which
                                                                                                               Rue Insurance was
                                                                                                               paid commission
                                                                                                               pursuant to its
                                                                                                               agreements with
                                                                                                               those carriers.&nbsp;&nbsp;Selective
                                                                                                               paid premiums for
                                                                                                               such insurance
                                                                                                               coverage of $0.2
                                                                                                               million in 2011.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>The
Selective Group Foundation, a private foundation Selective established under Section 501(c)(3) of the Internal Revenue Code (the
&ldquo;Selective Foundation&rdquo;)</U>. The Selective Foundation makes grants to charitable organizations in accordance with
its By-Laws and funding guidelines, which guidelines are available at <I>www.selective.com</I>. In 2011, the Selective Foundation
made grants in excess of $20,000 in the following amounts to the following organizations with ties to Selective, all of which
are located in Sussex County, New Jersey, where Selective is headquartered and over half of its headquarter-based employees live:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$70,300
                                                                                                               in grants to The
                                                                                                               Newton Medical
                                                                                                               Center Foundation
                                                                                                               (&ldquo;NMCF&rdquo;),
                                                                                                               a charitable organization
                                                                                                               affiliated with
                                                                                                               Newton Medical
                                                                                                               Center. Mr. Murphy
                                                                                                               serves on the Board
                                                                                                               of Trustees of
                                                                                                               NMCF.&nbsp;&nbsp;At
                                                                                                               the end of 2011,
                                                                                                               there were outstanding
                                                                                                               annually renewable
                                                                                                               pledges to NMCF
                                                                                                               totaling $55,650.
                                                                                                               </FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$50,000
                                                                                                               in grants to Project
                                                                                                               Self-Sufficiency
                                                                                                               of Sussex County
                                                                                                               (&ldquo;PSS&rdquo;),
                                                                                                               a non-profit, community-based
                                                                                                               organization dedicated
                                                                                                               to empowering low-income
                                                                                                               adults and their
                                                                                                               children to achieve
                                                                                                               personal and economic
                                                                                                               self-sufficiency.&nbsp;&nbsp;Susan
                                                                                                               Murphy, Mr. Murphy&rsquo;s
                                                                                                               wife, serves on
                                                                                                               the PSS Board of
                                                                                                               Directors.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$22,500
                                                                                                               in grants to Pass
                                                                                                               It Along, a community-based
                                                                                                               organization dedicated
                                                                                                               to teaching children
                                                                                                               about leadership
                                                                                                               and charitable
                                                                                                               activities. Dale
                                                                                                               A. Thatcher, Executive
                                                                                                               Vice President
                                                                                                               and Chief Financial
                                                                                                               Officer of Selective,
                                                                                                               serves on the Board
                                                                                                               of Directors of
                                                                                                               Pass It Along and
                                                                                                               Kimberly J. Burnett,
                                                                                                               Executive Vice
                                                                                                               President and Chief
                                                                                                               Human Resources
                                                                                                               Officer of Selective
                                                                                                               Insurance Company
                                                                                                               of America (&ldquo;SICA&rdquo;),
                                                                                                               the lead insurance
                                                                                                               subsidiary of Selective,
                                                                                                               serves on the Advisory
                                                                                                               Board of Pass It
                                                                                                               Along.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$25,000
                                                                                                               grant to the United
                                                                                                               Way of Sussex County.
                                                                                                               Steven B. Woods,
                                                                                                               former Executive
                                                                                                               Vice President
                                                                                                               of SICA, served
                                                                                                               as a member of
                                                                                                               the Board of Trustees
                                                                                                               of the United Way
                                                                                                               of Sussex County.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">In
2011, SICA also provided corporate sponsorship payments totaling $4,700 to NMCF.&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Review,
Approval, or Ratification of Transactions with Related Persons</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Selective
has a written Related Person Transactions Policy and Procedures (the &ldquo;Related Person Policy&rdquo;).</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
Related Person Policy defines &ldquo;Related Person Transactions&rdquo; as any transaction, arrangement or relationship in which
Selective or its subsidiaries was, is, or will be a participant and the amount involved exceeds $20,000, and in which any &ldquo;Related
Person&rdquo; had, has, or will have a direct or indirect interest. A &ldquo;Related Person&rdquo; under the Related Person Policy
is generally: (i) any director, executive officer, or nominee to become director of Selective or an immediate family member of
such person; (ii) a beneficial owner of more than 5% of Selective&rsquo;s common stock or an immediate family member of such beneficial
owner; and (iii) any firm, corporation, or other entity in which any person included in (i) or (ii) is employed or is a general
partner or principal or in a similar position or in which such person has a 5% or greater beneficial ownership interest.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Under
the Related Person Policy, the Audit Committee (or Chair of the Committee if between meetings) must approve &ldquo;Related Person
Transactions.&rdquo; In its review, the Audit Committee considers all available relevant facts and circumstances of the proposed
transaction, including: (i) the benefits to Selective; (ii) the impact on a director&rsquo;s independence; (iii) the availability
of other sources for comparable products and services; (iv) the terms of the transaction; and (v) the terms available to unrelated
third parties or to employees generally. No Audit Committee member may participate in any review, consideration, or approval of
any Related Person Transaction in which such director or any of his or her immediate family members is the Related Person. The
Audit Committee only approves those Related Person Transactions that it considers are in, or are not inconsistent with, the best
interests of Selective and its stockholders.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Director
Independence</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
Board of Directors has determined that all directors are independent as defined by applicable NASDAQ and SEC rules and regulations
&ndash; except Messrs. Murphy and Rue. In making its determination, the Board considered various transactions, relationships,
or arrangements that relate to the Directors. For a description of the transactions, relationships, or arrangements related to
Mr. Rue, see the section entitled &ldquo;Transactions with Related Persons&rdquo; on page 14.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">In
May 2007, Ms. Lamm-Tennant, a member of the Finance Committee, was appointed Global Chief Economist &amp; Risk Strategist of Guy
Carpenter &amp; Company, LLC (&ldquo;Guy Carpenter&rdquo;), a subsidiary of Marsh &amp; McLennan Companies, Inc. (&ldquo;Marsh&rdquo;).
From February 2009 through January 2011, Ms. Lamm-Tennant served as Vice President of Marsh. The Board reviewed the material terms
of the broker service agreement between Selective&rsquo;s insurance subsidiaries and Guy Carpenter under which reinsurance is
placed. In 2011, Guy Carpenter earned approximately $1.5 million on our reinsurance placements and had total revenues of approximately
$1.04 billion. Accordingly, the transactions with us represented less than 0.11% of Guy Carpenter&rsquo;s 2011 total revenue.
Selective&rsquo;s insurance subsidiaries ended their engagement of Guy Carpenter on September 19, 2011.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We
occasionally use the services of Marsh subsidiaries other than Guy Carpenter. In 2011, we made aggregate payments totaling less
than $32,000 to those other Marsh subsidiaries. As: (i) Ms. Lamm-Tennant is not a reinsurance broker and had no involvement in
these transactions; (ii) Guy Carpenter and Marsh have established an internal segregation to separate Ms. Lamm-Tennant from knowledge
of specific transactions involving us; and (iii) the amount of revenue from such transactions is immaterial to the business of
Guy Carpenter and Marsh, the Board determined that these transactions do not affect Ms. Lamm-Tennant&rsquo;s independence under
applicable NASDAQ and SEC rules and regulations.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="a_011" TITLE="section16a"></A>SECTION&nbsp;16(a)
BENEFICIAL OWNERSHIP REPORTING COMPLIANCE</B></FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Section&nbsp;16(a)
of the Exchange Act, requires Selective&rsquo;s directors and executive officers, and persons who beneficially own more than 10%
of a registered class of Selective&rsquo;s equity securities, to file with the SEC initial reports of beneficial ownership and
reports of changes in beneficial ownership of Selective&rsquo;s equity securities. Such executive officers, directors, and greater
than 10% stockholders are required by SEC regulations to furnish Selective with copies of all of the Section&nbsp;16(a) Exchange
Act reports that they file. Based solely on its review of the copies of Forms 3, 4, and 5 or written representations from certain
reporting persons that no Forms 5 were required for those persons, Selective believes that all reporting requirements under Section&nbsp;16(a)
for the fiscal year ended December 31, 2011, were met in a timely manner by its directors, executive officers, and greater than
10% beneficial owners except that Mr. Burville filed one Form 4 late.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="a_012" TITLE="corporate"></A>CORPORATE
GOVERNANCE</B></FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Corporate
Governance Guidelines</B></FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Selective
has established Corporate Governance Guidelines that are available for review in the Corporate Governance subsection of the Investor
Relations section of Selective&rsquo;s website, <I>www.selective.com</I>. These guidelines provide for the election of a Lead
Independent Director, who supervises meetings of Selective&rsquo;s independent directors that occur at least semi-annually. A.
David Brown is presently the Lead Independent Director. In 2011, Selective&rsquo;s independent directors met three times outside
the presence of management.</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">All
of the members of the Audit Committee, the Corporate Governance and Nominating Committee, and the Salary and Employee Benefits
Committee are independent directors as defined by NASDAQ and SEC rules and regulations.</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Majority
Voting for Directors in Uncontested Elections</B></FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Selective&rsquo;s
Board of Directors has adopted a majority voting policy for uncontested elections of directors. In accordance with our By-Laws,
unless the Corporate Secretary determines that the number of nominees exceeds the number of directors to be elected, a nominee
must receive more votes cast &ldquo;for&rdquo; than &ldquo;against&rdquo; to be elected or re-elected to the Board. Any nominee
who receives fewer &ldquo;for&rdquo; votes than &ldquo;against&rdquo; votes must tender his or her resignation to the Chairman
of the Board within five days following certification of the meeting&rsquo;s election results. Within 45 days after the meeting,
the Corporate Governance and Nominating Committee will make a recommendation to the Board regarding whether to accept the director&rsquo;s
resignation. The Corporate Governance and Nominating Committee, in making its recommendation to the Board, may consider any factors
it deems relevant. The Corporate Governance and Nominating Committee, as it deems appropriate, may consider a range of possible
alternatives concerning the director&rsquo;s tendered resignation. Any director who fails to receive a majority of votes cast
and tenders resignation pursuant to this requirement may not participate in the deliberations of the Corporate Governance and
Nominating Committee or the Board related to the decision to accept the offer of resignation.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Within
90 days after the stockholders&rsquo; meeting, the Board of Directors shall formally act on the Corporate Governance and Nominating
Committee&rsquo;s recommendation and, in a Form 8-K filed with the SEC within four business days of such decision, disclose its
decision to accept or reject the director&rsquo;s resignation and the rationale and process for such decision. If every member
of the Corporate Governance and Nominating Committee fails to receive a majority vote in favor of election at the same stockholders&rsquo;
meeting, then those independent directors who received a majority vote, and any independent directors who did not stand for election,
will appoint from amongst themselves an ad hoc Board committee to consider the resignation offers and recommend to the Board whether
it should accept them. In such a situation, if fewer than three directors would be on such an ad hoc committee, the entire Board
(other than the individual director whose resignation is being considered) will make the determination to accept or reject the
director&rsquo;s resignation.</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="a_013" TITLE="board"></A>BOARD
MEETINGS AND COMMITTEES</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
Board of Directors held seven meetings in 2011. All continuing directors attended 75% or more of the aggregate of the meetings
of the Board of Directors and their respective committees in 2011. It is Selective&rsquo;s policy that all directors are expected
to attend the Annual Meeting, and all continuing directors did so in 2011.</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
Board has five standing committees:</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Audit
                                                                                                               Committee;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Corporate
                                                                                                               Governance and
                                                                                                               Nominating Committee;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Executive
                                                                                                               Committee;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Finance
                                                                                                               Committee; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Salary
                                                                                                               and Employee Benefits
                                                                                                               Committee.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
following provides information on each of the five committees:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 13.3pt; tab-stops: 10.2pt; text-autospace: none; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Audit
    Committee</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 13.3pt; tab-stops: 10.2pt; text-autospace: none; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Written
    Charter is available in the Corporate Governance subsection of the Investor Relations section of <I>www.selective.com</I></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 13.3pt; tab-stops: 10.2pt; text-autospace: none; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2011
    Meetings: 6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Responsibilities:</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Oversee
        the accounting and financial reporting processes and the audits of the financial statements.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Review
        and discuss with Selective&rsquo;s management and independent auditors Selective&rsquo;s financial reports and other financial
        information provided to the public and filed with the SEC.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Monitor
        the activities of Selective&rsquo;s Internal Audit Department and the appointment, replacement, reassignment, or dismissal
        of the Chief Audit Executive.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT>&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Monitor
        Selective&rsquo;s internal controls regarding finance, accounting, and legal compliance.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Discuss
        significant financial risk exposures and the steps management has taken to monitor, control, and report such exposures.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Appoint
        Selective&rsquo;s independent registered public accounting firm and supervise the relationship between Selective and its
        independent auditors, including reviewing their performance, making decisions with respect to their compensation, retention
        and removal, reviewing and approving in advance their audit services and permitted non-audit services, and confirming
        the independence of the independent auditors.</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Director
    Members:</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Independent</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Paul
    D. Bauer, Chairperson and designated Audit Committee financial expert under SEC safe harbor</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John
    C. Burville</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Michael
    J. Morrissey</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ronald
    L. O&rsquo;Kelley</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">J.
    Brian Thebault</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR>
    <TD STYLE="width: 69%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 30%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 1; Options: NewSection; Value: 17 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 13.3pt; tab-stops: 10.2pt; text-autospace: none; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Corporate
    Governance and Nominating Committee</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 13.3pt; tab-stops: 10.2pt; text-autospace: none; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Written
    Charter is available in the Corporate Governance subsection of the Investor Relations section of <I>www.selective.com</I></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2011
        Meetings: 10*</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">*Includes
        a joint meeting with the Salary and Employee Benefits Committee</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Responsibilities</U>:</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Establish
        criteria for the selection of directors and identify and recommend to the Board the nominees for director.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Review
        and assess Selective&rsquo;s Corporate Governance Guidelines and recommend any changes to the Board.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Recommend
        to the Board the directors to serve as lead independent director and on the various Board committees and as chairpersons
        of the respective committees.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Advise
        the Board with respect to Board composition, procedures, and committees.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Review
        and update Selective&rsquo;s Code of Conduct and review conflicts of interest or other issues that may arise under the
        Code of Conduct involving Selective&rsquo;s officers or directors.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Oversee
        the self-evaluations of the Board and each committee of the Board.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Review,
        jointly with the Salary and Employee Benefits Committee, CEO and executive staff succession planning and professional
        development.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Make
        a recommendation to the Board in respect of a director that receives fewer &ldquo;for&rdquo; than &ldquo;against&rdquo;
        votes in an uncontested election of directors as to whether to accept the resignation of such director.</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Director
    Members:</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Independent</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ronald
    L. O&rsquo;Kelley, Chairperson</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">A.
    David Brown</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">S.
    Griffin McClellan III</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Michael
    J. Morrissey</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Cynthia
    S. Nicholson</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR>
    <TD STYLE="width: 69%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 30%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 13.3pt; tab-stops: 10.2pt; text-autospace: none; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Executive
    Committee</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 13.3pt; tab-stops: 10.2pt; text-autospace: none; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No
    Charter. Responsibilities defined in By-Laws.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 13.3pt; tab-stops: 10.2pt; text-autospace: none; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2011
    Meetings: 0</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Responsibilities:</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Authorized
        by By-Laws to exercise the Board of Directors&rsquo; powers and authority in the management of Selective&rsquo;s business
        and affairs between Board meetings.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -17.1pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Has
        the right and authority to exercise all the powers of the Board of Directors on all matters brought before it, except
        with respect to matters concerning Selective&rsquo;s investments or as prohibited by law.</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Director
    Members:</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Gregory
    E. Murphy, Chairperson</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ronald
    L. O&rsquo;Kelley</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Paul
    D. Bauer</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">William
    M. Rue</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">A.
    David Brown</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">J.
    Brian Thebault</FONT></TD></TR>
<TR>
    <TD STYLE="width: 47%">&nbsp;</TD>
    <TD STYLE="width: 21%">&nbsp;</TD>
    <TD STYLE="width: 32%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>

<!-- Field: Page; Sequence: 2; Value: 17 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"><TR><TD STYLE="text-align: center; width: 100%">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 13.3pt; tab-stops: 10.2pt; text-autospace: none; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Finance
    Committee</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 13.3pt; tab-stops: 10.2pt; text-autospace: none; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Written
    Charter is available in the Corporate Governance subsection of the Investor Relations section of <I>www.selective.com</I></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 13.3pt; tab-stops: 10.2pt; text-autospace: none; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2011
    Meetings: 4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Responsibilities:</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Review
        and approve changes to Selective&rsquo;s investment policies, strategies, and programs.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Review
        investment transactions made on behalf of Selective and review the performance of Selective&rsquo;s investment portfolio
        and external investment managers.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Review
        matters relating to the investment portfolios of the benefit plans of Selective and its subsidiaries, including the administration
        and performance of such portfolios.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Appoint
        members of Selective&rsquo;s Management Investment Committee.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Review
        and make recommendations to the Board regarding payment of dividends.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Review
        Selective&rsquo;s capital structure and significant expenditures, and provide recommendations to the Board regarding financial
        policies and matters of corporate finance.</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Director
    Members:</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">William
    M. Rue, Chairperson</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Michael
    J. Morrissey</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Joan
    M. Lamm-Tennant</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ronald
    L. O&rsquo;Kelley</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">S.
    Griffin McClellan III</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="width: 47%">&nbsp;</TD>
    <TD STYLE="width: 21%">&nbsp;</TD>
    <TD STYLE="width: 32%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 13.3pt; tab-stops: 10.2pt; text-autospace: none; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Salary
    and Employee Benefits Committee</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 13.3pt; tab-stops: 10.2pt; text-autospace: none; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Written
    Charter is available in the Corporate Governance subsection of the Investor Relations section of <I>www.selective.com</I></FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2011
        Meetings: 7*</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">*Includes
        a joint meeting with the Corporate Governance and Nominating Committee</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Responsibilities:</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Oversee,
        review, and administer all compensation, equity, and employee benefit plans and programs related to Selective&rsquo;s
        and its subsidiaries&rsquo; employees and management.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Review
        annually and approve corporate goals and objectives relevant to executive compensation and evaluate performance in light
        of those goals.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Review
        annually and approve Selective&rsquo;s compensation strategy for employees.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Review
        annually and determine the individual elements of total compensation of the CEO and other members of senior management.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Review,
        jointly with the Corporate Governance and Nominating Committee, CEO and executive staff succession planning and professional
        development.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Review
        and approve compensation for non-employee directors.</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Director
    Members:</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Independent</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">J.
    Brian Thebault, Chairperson</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Paul
    D. Bauer</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">A.
    David Brown</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John
    C. Burville</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Cynthia
    S. Nicholson</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR>
    <TD STYLE="width: 69%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 30%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

<!-- Field: Page; Sequence: 3; Value: 17 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"><TR><TD STYLE="text-align: center; width: 100%">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->19<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="a_014" TITLE="risk"></A>RISK
MANAGEMENT</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><I>&nbsp;</I></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><I><U>Board
Leadership Structure</U></I></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Gregory
E. Murphy, our Chief Executive Officer, has served as Chairman of the Board since April 2000. Since July 2004, we have had a Lead
Independent Director and our Corporate Governance Guidelines provide that the Board will designate a Lead Independent Director.
A. David Brown has served as the Lead Independent Director since April 2009.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
Lead Independent Director is responsible for coordinating the activities of the independent directors and performing various other
duties. The Lead Independent Director&rsquo;s general authority and responsibilities are as follows:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Presiding
                                                                                                               at all meetings
                                                                                                               of independent
                                                                                                               directors, as appropriate,
                                                                                                               and providing prompt
                                                                                                               feedback to the
                                                                                                               Chairman, President
                                                                                                               and CEO;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Serving
                                                                                                               as a point of contact
                                                                                                               for Board members
                                                                                                               to raise issues
                                                                                                               that they may not
                                                                                                               be able to readily
                                                                                                               address with the
                                                                                                               Chairman, President
                                                                                                               and CEO;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ensuring
                                                                                                               that matters of
                                                                                                               importance to the
                                                                                                               Directors are placed
                                                                                                               on the Board&rsquo;s
                                                                                                               meeting agendas;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ensuring
                                                                                                               that the Chairman,
                                                                                                               President and CEO
                                                                                                               understands the
                                                                                                               Board&rsquo;s views
                                                                                                               on all critical
                                                                                                               matters; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Calling
                                                                                                               executive sessions
                                                                                                               of the independent
                                                                                                               directors and serving
                                                                                                               as chairman of
                                                                                                               such meetings.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
defined role of Selective&rsquo;s Lead Independent Director is very similar to the role of an independent non-executive Chairman.
We believe that our current Board leadership structure provides effective oversight of management and strong leadership of the
independent directors. In addition, the Corporate Governance and Nominating Committee, of which Mr. Brown is a member, conducts
annual self-assessments of the Board and its various committees to evaluate their effectiveness. At this time, we believe there
is a benefit to having Mr. Murphy serve as both Chairman of the Board and Chief Executive Officer. As the individual with primary
responsibility for managing our day-to-day operations, he is best positioned to chair regular Board meetings and to ensure that
key business issues and risks are brought to our Board or the appropriate committee&rsquo;s attention.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><I><U>Enterprise
Risk Management</U></I></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>&nbsp;</I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Our
Board oversees our overall enterprise risk management process, which follows, among other things, the <I>Enterprise Risk Management
&ndash; Integrated Framework</I> of the Treadway Commission of the Committee of Sponsoring Organizations (COSO). We began our
formal enterprise risk management process over ten years ago. The key components of our enterprise risk management process include
identification and measurement, reporting, and monitoring of major risks, and the development of appropriate responses.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">In
addition to the Board&rsquo;s oversight of overall risk and the enterprise risk management process, various committees of the
Board oversee risks specific to their areas of supervision and report their activities and findings to the Board:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
                                                                                                               Audit Committee,
                                                                                                               to operational,
                                                                                                               financial, and
                                                                                                               compliance risks;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
                                                                                                               Corporate Governance
                                                                                                               and Nominating
                                                                                                               Committee, to governance
                                                                                                               and certain compliance
                                                                                                               risk; </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
                                                                                                               Finance Committee,
                                                                                                               to investment risk
                                                                                                               and associated
                                                                                                               financial risk;
                                                                                                               and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
                                                                                                               Salary and Employee
                                                                                                               Benefits Committee,
                                                                                                               to employee, human
                                                                                                               capital, and compensation
                                                                                                               strategy risk.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
Chief Executive Officer, who continues to be the executive responsible for risk, and the Executive Risk Committee together are
responsible for the holistic evaluation and supervision of our major risks. The Executive Risk Committee primarily consists of
the Chief Executive Officer and his direct reports, each of whom is responsible for management of risk in his or her respective
area, and a Chief Risk Officer who reports to the Chief Financial Officer. The Executive Risk Committee meets at least quarterly
and provides a structured forum for the discussion of Selective&rsquo;s major risks. The Chief Risk Officer reports the analysis
and findings of the Executive Risk Committee to the Board or the appropriate Board committee along with a quarterly update of
certain risk metrics.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">In
overseeing the analysis and management of risk, the Board regularly receives, analyzes, and makes due inquiry regarding reports
from its various committees and management regarding risk. We believe our Board&rsquo;s leadership structure, with a Lead Independent
Director, supports the Board&rsquo;s ability to effectively evaluate and manage risk.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><I><U>Compensation
Risk Assessment</U></I></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We
do not believe that risks arising from our compensation policies and practices are reasonably likely to have a material adverse
effect on our operations or results. To make this determination, we conducted an internal risk assessment of our compensation
policies and programs. In performing the risk assessment, we considered that we operate in an industry based almost entirely on
managing risk, and we believe that our risk management function is robust. We also analyzed the issues set forth in the proxy
disclosure rules and gave close consideration to the following points:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
                                                                                                               compensation policies
                                                                                                               and practices for
                                                                                                               employees of both
                                                                                                               of our operating
                                                                                                               units are similar
                                                                                                               and neither operating
                                                                                                               unit carries a
                                                                                                               disproportionate
                                                                                                               portion of our
                                                                                                               corporate risk
                                                                                                               profile.&nbsp;&nbsp;For
                                                                                                               example, our Insurance
                                                                                                               Operations segment,
                                                                                                               which sells property
                                                                                                               and casualty insurance
                                                                                                               products, is subject
                                                                                                               to, among other
                                                                                                               things, risks related
                                                                                                               to significant
                                                                                                               competition and
                                                                                                               extensive losses
                                                                                                               from catastrophic
                                                                                                               events and acts
                                                                                                               of terrorism, while
                                                                                                               our Investment
                                                                                                               Operations segment,
                                                                                                               which invests premiums
                                                                                                               collected by the
                                                                                                               Insurance Operations
                                                                                                               segment, is subject
                                                                                                               to, among other
                                                                                                               things, global
                                                                                                               economic risks
                                                                                                               and risks inherent
                                                                                                               in the equity markets;
                                                                                                               and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Our
                                                                                                               compensation policies
                                                                                                               are consistent
                                                                                                               with our overall
                                                                                                               risk structure
                                                                                                               and a substantial
                                                                                                               portion of compensation
                                                                                                               is awarded on the
                                                                                                               accomplishment
                                                                                                               of business objectives
                                                                                                               that are measured
                                                                                                               over a significant
                                                                                                               period of time.
                                                                                                               </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We
also considered our overall compensation program, including:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The features of our compensation program and whether those features
align with our compensation philosophy;</FONT></TD></TR>                                                        <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in">&nbsp;</TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The compensation program has multiple financial and strategic measures
that balance profitability and growth.&nbsp;&nbsp;Our financial goals are based on a statutory combined ratio, which is an accepted
insurance industry standard of profitability, and our strategic goals are based on, among other things, pricing, retention, and
profitability of business, that are intended to incentivize profitable growth;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The maximum potential payments under our compensation plans;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The mix of fixed versus variable compensation;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The balance between cash and equity compensation;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The ratio of compensation based on long-term versus short-term performance
metrics; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The timing of equity award grants and vesting.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We also considered that we adjust our compensation programs
from time-to-time as risks in our industry and operating segments change to help ensure that compensation and risk remain appropriately
aligned.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Finally, we reviewed our various risk mitigation strategies
in the compensation context including:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The stock ownership and retention requirements for management;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The independent oversight of compensation programs by the Salary and
Employee Benefits Committee of the Board, including oversight of goals and performance measures; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The Board&rsquo;s role in risk oversight, which includes receiving,
analyzing, and making due inquiry regarding reports from its various committees, including the Salary and Employee Benefits Committee,
and management&rsquo;s Executive Risk Committee regarding risk.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_015" TITLE="stockholder"></A>STOCKHOLDER COMMUNICATIONS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Stockholders may send communications to the Board of Directors
or individual directors in writing c/o Corporate Secretary, Selective Insurance Group, Inc., 40 Wantage Avenue, Branchville, New
Jersey 07890 or by e-mail to <I>corporate.governance@selective.com</I>. The Board has instructed the Corporate Secretary to use
discretion in forwarding unsolicited advertisements, invitations to conferences, or other promotional material.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_016" TITLE="code"></A>CODE OF CONDUCT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0">Selective has adopted a Code of Conduct stating business
ethics guiding principles for all Selective personnel, including executive officers. The Code of Conduct can be found in the Corporate
Governance subsection of the Investor Relations section of Selective&rsquo;s website, <I>www.selective.com</I>. Any amendment to
or waiver from the provisions of the Code of Conduct that applies to Selective&rsquo;s senior executive officers will be posted
to Selective&rsquo;s website, <I>www.selective.com</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_017" TITLE="executive"></A>EXECUTIVE COMPENSATION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_018" TITLE="compensation"></A>COMPENSATION DISCUSSION AND ANALYSIS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><A NAME="a_019" TITLE="summary"></A>EXECUTIVE SUMMARY</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Purpose of Compensation Discussion and Analysis</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This Compensation Discussion and Analysis provides information
about the 2011 compensation program for the following named executive officers (&ldquo;NEOs&rdquo;):</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Gregory E. Murphy, Chairman, President and Chief Executive Officer
(&ldquo;CEO&rdquo;);</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Dale A. Thatcher, Executive Vice President and Chief Financial Officer;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Michael H. Lanza, Executive Vice President, General Counsel and Chief
Compliance Officer;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John J. Marchioni, Executive Vice President, Insurance Operations;
and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ronald J. Zaleski Sr., Executive Vice President and Chief Actuary.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Consideration of 2011 Say-on-Pay Advisory Vote Results</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">At our 2011 Annual Meeting of Stockholders, we were required
to give our stockholders their first opportunity to vote on an advisory basis pursuant to Item 402 of Regulation S-K, on the compensation
of our named executive officers. Our stockholders overwhelmingly supported our compensation decisions, with over 93% of votes cast
voting in favor of the proposal. We considered these results and believe they indicate stockholders are supportive of our compensation
decisions. Accordingly, we have maintained our emphasis on short- and long-term incentive compensation that we believe rewards
our executives for delivering stockholder value, and we did not make any material changes in our 2011 compensation decisions and
policies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>2011 Corporate Performance Highlights</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">We made significant progress
in 2011 in positioning Selective for long-term success, even though it was a record year for catastrophe and other storm losses
for both Selective and the property and casualty insurance industry. Our Claims team responded to over 6,000 claims filed in the
aftermath of Hurricane Irene, which represented the</FONT> largest single catastrophe loss in Selective&rsquo;s history. Our statutory
combined ratio<SUP>2</SUP> was 106.7%, which included 8.3 points of catastrophe losses - well above historical trends. While we
cannot ignore the impact of these catastrophes on our results, a number of positive events occurred in 2011 that we expect to
help drive our results in future market cycles. <FONT STYLE="color: black">Specifically:</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We acquired two excess and surplus (&ldquo;E&amp;S&rdquo;) lines operations,
primarily commercial contract binding authority business, which will allow us to start executing our higher margin business strategy.
Since 1997, the E&amp;S market has performed, on average, 6 combined ratio points better than the standard commercial lines market,
and the E&amp;S commercial contract binding authority market, on average, has performed 12 points better than the standard commercial
lines market;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We achieved our 11th consecutive quarter of positive commercial lines
renewal price increases in the fourth quarter of 2011;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We achieved a commercial lines renewal pure price increase of 2.8%
and a personal lines renewal price increase of 6.8%;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; color: black">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: black">We implemented new and expanded commercial lines products,
including </FONT>Comm&bull;Unity<SUP>sm</SUP> <FONT STYLE="color: black">of Faith and technology coverages, and broadened the marketing
of existing coverages, including para-transit coverage, to expanded classes of customers;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>2</SUP> The statutory combined
ratio is the property and casualty insurance industry standard measure of underwriting profitability. A statutory combined ratio
under 100% generally indicates that an insurance company is generating an underwriting profit and a statutory combined ratio over
100% generally indicates that an insurance company is generating an underwriting loss.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We established, trained, and deployed our Field Marketing Specialists
(FMSs) who are charged with driving sales of new personal lines and small commercial lines business, as well as adding to the number
of independent insurance agency storefront locations through which we place our business;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We put into effect significant features of our Claims Operations Plan
to improve efficiencies and reduce costs, including implementing specialized processing of workers compensation claims, establishing
a complex claims unit, creating a contents re-pricing program, rolling out automobile and workers compensation fraud models, and
the successful piloting of the first stage of the paperless virtual claim file project under our Claims Content Management initiative.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We developed and implemented a new underwriting quality assurance
review process that provides uniformity across all regions;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We enhanced our brand awareness activities by increasing the use of
radio advertisements, on-line advertising, and prominent billboard placements; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We launched a number of customer experience initiatives such as a
new bill design and voice of the customer surveys that will aid customer retention.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In 2011, our &ldquo;A+&rdquo; financial strength rating from
A.M. Best Company (&ldquo;A.M. Best&rdquo;), a worldwide insurance rating company, was affirmed for the 50th consecutive year,
as we maintained strong surplus of $1.1 billion.&nbsp; In its affirmation notification, A.M. Best cited, among other things, &ldquo;a
disciplined underwriting culture, strong independent agency relationships, a strong loss reserve position, and improved diversification.&rdquo;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Our 2011 financial and operational results decreased from 2010
levels and were negatively impacted by a record level of catastrophe losses at nearly $119 million. Our stock price ended 2011
at $17.73, a decrease of 2.3% from 2010, while our total stockholder return (&ldquo;TSR&rdquo;) was +0.8%. Our strategic initiatives
resulted in obtaining ongoing positive rate and higher retention, which resulted in a 7% increase in net premiums written.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In 2011, we continued to focus on our strategies for profitable
growth, diversification, and creating long-term value for our stockholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>CEO Pay for Performance</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Mr. Murphy&rsquo;s compensation over the past four years, as
shown in the table below, demonstrates the direct correlation between changes in his compensation with that of Selective&rsquo;s
TSR over the same period. This correlation is consistent with, and reflects our philosophy of, aligning compensation with both
short-term and long-term business objectives and the interests of stockholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 80%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 0.5in">
<TR STYLE="vertical-align: top; background-color: silver">
    <TD STYLE="width: 41%; border: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 16%; border: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center"><B>2008</B></TD>
    <TD STYLE="width: 15%; border: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center"><B>2009</B></TD>
    <TD STYLE="width: 14%; border: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center"><B>2010</B></TD>
    <TD STYLE="width: 14%; border: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center"><B>2011</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; font-weight: bold"><B>CEO Total Compensation* (Salary/ACIP/LTIP)</B></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">$3,150,112</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">$2,684,631</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">$2,700,087</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">$2,800,000</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; font-weight: bold"><B>$ Change from Prior Year</B></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">-$449,946</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">-$465,481</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">$15,456</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">$99,913</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; font-weight: bold"><B>% Change from Prior Year</B></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">-12.5%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">-14.8%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">0.6%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">3.7%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; font-weight: bold"><B>One-Year TSR</B></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">2.1%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">-25.7%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">14.0%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.5pt; padding-left: 1.5pt; text-align: center">0.8%</TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">*
Also includes discretionary cash bonus awards for 2009 and 2010.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Role and Function of the Salary and Employee Benefits
Committee</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Salary and Employee Benefits Committee of the Board
of Directors (&ldquo;SEBC&rdquo;) oversees executive compensation. The SEBC retains an independent executive
compensation consultant, Exequity LLP (&ldquo;Compensation Consultant&rdquo;) to advise it on executive compensation issues.
Representatives of the Compensation Consultant: (i) review senior executive compensation; (ii) prepare for the
SEBC comprehensive competitive compensation analyses for our NEOs; (iii) make recommendations to the SEBC regarding the
components of compensation, amounts allocated to those components, and the total compensation opportunities for the CEO and
the other NEOs; and (iv) attend SEBC meetings, as requested by the SEBC.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Exequity LLP has served as the SEBC&rsquo;s Compensation Consultant
since April 2007. The Compensation Consultant&rsquo;s only business with Selective is to advise the SEBC on executive compensation
matters.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The SEBC has full autonomy in determining executive compensation
and, primarily based on information provided by the Compensation Consultant, makes all final determinations regarding the CEO and
other NEO compensation. The CEO also makes compensation recommendations to the SEBC regarding each of the senior executives that
report directly to him based on the CEO&rsquo;s assessment of each executive officer&rsquo;s annual performance, contributions
to Selective, and potential for advancement. In making its compensation decisions, the SEBC also considers the medians of the benchmark
sources discussed below and pre-established guidelines regarding award amounts, Selective&rsquo;s performance, retention issues,
internal compensation parity, and advancement in abilities, experience, and responsibilities. The Executive Vice President and
Chief Human Resources Officer and certain other human resources officers, as part of their usual duties and responsibilities, provide
the SEBC with information regarding the overall design of the executive compensation program and its individual components.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>DESIGN CONSIDERATIONS OF SELECTIVE&rsquo;S EXECUTIVE COMPENSATION
PROGRAM</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Selective&rsquo;s Executive Compensation Program Objective
and Philosophy</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The objective of our executive compensation program is to attract,
retain, and motivate executive talent that will drive the organization&rsquo;s success and create stockholder value. Our compensation
program is designed to reward the achievement of both financial and strategic goals and recognize our executives for their individual
achievements and promote a long-term relationship with us. We seek to attract and retain talented and qualified executives by paying
compensation that is generally targeted at the 50<SUP>th</SUP> &ndash; 75<SUP>th</SUP> percentile of total compensation paid by
comparable companies in the property and casualty insurance industry. Consistent with our pay-for-performance philosophy, we tie
our annual incentive awards to pre-determined strategic and financial business objectives and individual contributions, and we
align our long-term compensation to the achievement of pre-determined specific performance measures that impact the generation
of long-term stockholder value.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Compensation Elements</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Our executive compensation program consists of the following
key elements selected to: (i) address the market-based realities of attracting and retaining quality executives; and (ii) align
the executives&rsquo; compensation with our stockholders&rsquo; interests:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Base salary;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Annual cash incentive program (&ldquo;ACIP&rdquo;) payments;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Long-term incentive program (&ldquo;LTIP&rdquo;) awards in the form
of performance-based restricted stock units, performance-based cash incentive units, and, in prior years, stock options; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Discretionary cash bonuses.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Compensation Best Practices</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Selective uses the following compensation structures and practices:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Double triggers for payments upon a change in control under employment
agreements;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Limited perquisites;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Stock ownership and retention requirements;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Issues only performance-based equity awards to NEOs; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Balanced mix of fixed and variable compensation components.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Benchmarking</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">When making compensation decisions, the SEBC believes that it
is important to be informed generally on compensation practices at publicly-traded companies, and particularly at property and
casualty insurance holding companies. The SEBC believes that:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Measuring our compensation against practices from two benchmark sources
helps ensure that the SEBC has an ample and robust assessment of our competitive compensation posture;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Benchmarking provides the SEBC with relevant information to make appropriate
compensation decisions that will help attract, retain, and motivate the key talent required to drive company performance and long-term
stockholder value; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Considering multiple market references offsets inaccuracies inherent
in a single market data point and enhances the SEBC&rsquo;s decisions by allowing it to rely on a fuller set of market-competitive
pay boundaries than just a single benchmark.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Accordingly, the SEBC receives from, and reviews with, the Compensation
Consultant, the following benchmarking information:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Benchmarking analyses of compensation that we pay our NEOs, compared
to base salary, annual cash incentives, total cash compensation, long-term incentives, and total compensation against a proxy peer
group; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Benchmark data provided by a third-party vendor for our NEOs against
a group of 48 property and casualty insurance organizations.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For 2011, the Compensation Consultant furnished the SEBC with
2011 NEO compensation information from two market reference sources as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="background-color: Silver">
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; vertical-align: top; border-left: black 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I><U>Proxy Peers</U></I></B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Organizations with which we compete in the
        sale of<BR>
        products and services and for talent</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD>
    <TD STYLE="border: black 1pt solid; font-size: 10pt; font-style: italic; font-weight: bold; text-decoration: underline; text-align: center"><B><I><U>Third-party Vendor<BR>
 Surveys</U></I></B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 35%">
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
        Chubb Corporation</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Cincinnati
        Financial Corporation</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">CNA
        Financial Corporation</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">EMC
        Insurance Group Inc.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
        Hanover Insurance Group, Inc.</FONT></P></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; width: 35%">
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Harleysville
        Group Inc.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Hartford
        Financial Services Group</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Navigators
        Group, Inc.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">One
        Beacon Insurance</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Tower
        Group Companies</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.45pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">United
        Fire &amp; Casualty</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">W.
        R. Berkley Corporation</FONT></P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in">&nbsp;</P></TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: black 1pt solid; border-bottom: windowtext 1pt solid; border-left: black 1pt solid; padding-left: 17.7pt; line-height: 115%; font-size: 10pt; text-indent: -17.1pt; width: 30%"><FONT STYLE="font-family: Symbol">&middot;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Property and Casualty Insurance Compensation Survey (&ldquo;PCIC Survey&rdquo;)</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Information for the Proxy Peers in the above table (collectively,
the &ldquo;Proxy Peer Group&rdquo;) is obtained from proxy statements and other materials filed with the SEC. This information
includes data on compensation components and analysis of the overall financial performance of the organizations in the group, and
compares our performance to them. For 2011, we consolidated two previous peer groups (Market/Product Group and the Peer Size Group)
into a single group to reduce overlap and increase alignment with companies that better represent our products, have our geographic
market scope, and compete with us for executive talent. The PCIC Survey provides supplemental data from companies of various sizes.
This information is divided into segments that most accurately reflect the size of our organization.&nbsp;&nbsp;Because we strive
to engage the best talent, which may require recruiting from organizations larger than us, we look at data from: (i) the overall
property and casualty insurance industry; and (ii) organizations with direct written premiums of less than $2 billion.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In 2011, our aggregate NEO compensation, when compared to total
average survey medians of the market reference sources, was 6.2% below the total average median. Base salary and total cash compensation
were above these total average medians by 2.4% and 2.1%, respectively. Long-term awards and total direct compensation were below
these total average medians by 8.7% and 6.2%, respectively. This comparison is tabulated by the Compensation Consultant and suggests
that NEO pay is within the SEBC&rsquo;s accepted range of the defined external benchmarks.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>2011 ELEMENTS OF COMPENSATION AND ALLOCATION BETWEEN CURRENT
AND LONG-TERM COMPENSATION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We allocate compensation among: (i) a fixed base salary; (ii)
variable annual cash incentive and discretionary cash bonuses; and (iii) a variable long-term component. Together, these three
components link compensation opportunities for executives to short-term and long-term financial and strategic objectives. The table
below shows the percentage of total compensation for the CEO, Chief Financial Officer, and other NEOs that is short-term incentive
compensation (ACIP and discretionary cash bonus) versus long-term incentive compensation (LTIP), and fixed (base pay) versus variable
(ACIP, discretionary cash bonus, and LTIP).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">As the table indicates, the 2011 compensation allocation aligns
closely with our compensation philosophy, which is designed to motivate executives to achieve short-term and long-term corporate
objectives that are consistent with our stockholders&rsquo; economic interests. We strive to achieve a balance between pay incentive
vehicles and performance time horizons, placing the most weight on achievement of long-term success that increases long-term stockholder
value.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: #D8D8D8">
    <TD NOWRAP STYLE="width: 24%; border: windowtext 1pt solid; background-color: #D8D8D8; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center"><B>NEOs</B></TD>
    <TD NOWRAP STYLE="width: 19%; border: windowtext 1pt solid; background-color: #D8D8D8; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>2011</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Short-term*</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>(ACIP)</B></P></TD>
    <TD NOWRAP STYLE="width: 19%; border: windowtext 1pt solid; background-color: #D8D8D8; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>2011</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Long-Term</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>(LTIP)</B></P></TD>
    <TD NOWRAP STYLE="width: 19%; border: windowtext 1pt solid; background-color: #D8D8D8; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>2011</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Fixed</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>(Base Pay)</B></P></TD>
    <TD NOWRAP STYLE="width: 19%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; background-color: #D8D8D8; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>2011</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Variable*</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>(ACIP &amp; LTIP)</B></P></TD></TR>
<TR>
    <TD STYLE="border: windowtext 1pt solid; vertical-align: top; padding-right: 0; padding-left: 0">Gregory E. Murphy</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">21%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">47%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">32%</TD>
    <TD NOWRAP STYLE="border: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">68%</TD></TR>
<TR>
    <TD STYLE="border: windowtext 1pt solid; vertical-align: top; padding-right: 0; padding-left: 0">Dale A. Thatcher</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">28%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">35%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">37%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">63%</TD></TR>
<TR>
    <TD STYLE="border: windowtext 1pt solid; vertical-align: top; padding-right: 0; padding-left: 0">Michael H. Lanza</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">23%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">37%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">40%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">60%</TD></TR>
<TR>
    <TD STYLE="border: windowtext 1pt solid; vertical-align: top; padding-right: 0; padding-left: 0">John J. Marchioni</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">27%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">38%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">35%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">65%</TD></TR>
<TR>
    <TD STYLE="border: windowtext 1pt solid; vertical-align: top; padding-right: 0; padding-left: 0">Ronald J. Zaleski</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">22%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">39%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">39%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: right">61%</TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">*
Includes any discretionary cash bonus awards.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Base Salary</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Our base salary compensation component is intended to provide
stable, competitive compensation, while taking into account each executive&rsquo;s scope of responsibility, relevant background,
training, and experience. In setting base salaries, the SEBC considers both competitive market data for similar positions and overall
market demand for each position. The SEBC generally believes that base salaries should be aligned with market trends for executives
in similar positions with similar responsibilities at comparable companies. When establishing the base salaries of NEOs, the SEBC
also considers:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The functional role of the position;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The level of responsibility;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Growth of the executive in the role, including skills and competencies;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The contribution and performance of the executive; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The organization&rsquo;s ability to replace the executive.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">When evaluating 2011 base salaries for our CEO and other NEOs,
the SEBC also considered: (i) our overall results; (ii) the ongoing price competition in our industry, including our ability to
obtain favorable and appropriate underwriting rates; and (iii) the prolonged delay in overall economic recovery impacting our various
target markets. These factors were viewed in light of the relative competitive positioning of the base salaries of our CEO and
the other NEOs, the fact that our CEO has not received a base salary increase since 2007, and that none of the other NEOs (other
than Mr. Marchioni who received a base salary increase in 2009 in recognition of his expanded responsibilities as the newly appointed
head of Insurance Operations) received a base salary increase in 2009 or 2010. Based on these considerations, the SEBC decided
not to provide an increase in base salary to the CEO, but awarded base salary increases to the other NEOs in 2011.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Annual Cash Incentive Program (ACIP)</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Our ACIP is intended to link a meaningful portion of annual
cash compensation to pre-established near-term strategic and financial organizational performance goals. For 2011, all of the NEOs
were eligible to participate in the ACIP.&nbsp;&nbsp;ACIP awards are granted under the Selective Insurance Group, Inc. Cash Incentive
Plan As Amended and Restated as of May 1, 2010 (the &ldquo;Cash Incentive Plan&rdquo;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The SEBC approves annual financial and strategic performance
goals for the ACIP.&nbsp;&nbsp;If none of the ACIP goals are achieved, no ACIP payments are made. If ACIP goals are attained, the
ACIP award pool is funded.&nbsp;&nbsp;An individual&rsquo;s ACIP award is based on: (i) position grade level; and (ii) corporate
achievement of various ACIP annual financial and strategic goals. Negative discretion may be exercised to decrease the amount of
an ACIP award based on the SEBC&rsquo;s evaluation of each NEO&rsquo;s individual accomplishments during the year.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>2011 ACIP Targets and Results</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>2011 ACIP Targets</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In 2011, the SEBC made a change to our ACIP program and moved
from single &ldquo;cliff&rdquo; target measures for each strategic objective to establishing performance ranges for certain strategic
objectives. We established minimum, target, and maximum performance levels, as applicable, to encourage employees&rsquo; continued
focus on pursuing a particular strategic objective, even in the face of especially challenging circumstances throughout a performance
year. For 2011, the SEBC determined the ACIP funding opportunity to be between 0% and 108% of target, based on attainment of our
overall financial and strategic performance goals. Zero percent (0%) to 50% of this target percentage was attributable to a financial
performance goal of achieving a statutory combined ratio between 98% and 102%, and 0% to 58% of this target percentage was attributable
to the achievement of seven specific measures related to six strategic goals.&nbsp; The SEBC determined that four of the seven
strategic measures would have a target value of eight percentage points and the remaining three strategic measures would have a
target value of six percentage points. Of the seven measures, four of the measures each have an additional two percentage point
premium potential for above target performance, providing a total potential payout of 58 percentage points. The table below reflects
potential ACIP payout totals at various statutory combined ratio percentages if all seven strategic measures were met and all premium
potential targets were achieved:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-left: Black 1pt solid; border-right: Black 1pt solid; border-top: Black 1pt solid; background-color: #D9D9D9"><B>Statutory
    Combined</B></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-top: Black 1pt solid; background-color: #D9D9D9">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-top: Black 1pt solid; background-color: #D9D9D9"><B>ACIP</B></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; border-top: Black 1pt solid; background-color: #D9D9D9">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-left: Black 1pt solid; border-right: Black 1pt solid; background-color: #D9D9D9"><B>&nbsp;Ratio
    (%)</B></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; background-color: #D9D9D9"><B>&nbsp;Financial
    (%)</B></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; background-color: #D9D9D9"><B>Strategic
    (%)</B></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; background-color: #D9D9D9"><B>Total
    (%)</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-left: Black 1pt solid; border-right: Black 1pt solid">102</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">&nbsp;0.0</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">58</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">&nbsp;58.0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-left: Black 1pt solid; border-right: Black 1pt solid">101</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">12.5</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">58</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">&nbsp;70.5</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-left: Black 1pt solid; border-right: Black 1pt solid">100</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">25.0</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">58</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">&nbsp;83.0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-left: Black 1pt solid; border-right: Black 1pt solid">&nbsp;99</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">37.5</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">58</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">&nbsp;95.5</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-left: Black 1pt solid; border-right: Black 1pt solid">&nbsp;98</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">50.0</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">58</TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid">108.0</TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>2011 ACIP Results</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">For 2011, our statutory combined ratio was 106.7%, which included 8.3
points of catastrophe losses, resulting in 0% funding of the ACIP financial performance component.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">We met five of the seven 2011 specific measures related to the six strategic
goals, as shown in the table below, which resulted in the strategic initiative component of the ACIP being funded at 40%.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Accordingly, the total 2011 ACIP award pool for executive officers,
including the NEOs, was funded at 40% of the maximum level approved by the SEBC.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #BFBFBF">
    <TD STYLE="width: 31%; border: windowtext 1pt solid; background-color: #BFBFBF; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center"><B>2011 Strategic Initiatives</B></TD>
    <TD STYLE="width: 38%; border: windowtext 1pt solid; background-color: #BFBFBF; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center"><B>Measures</B></TD>
    <TD STYLE="width: 16%; border: windowtext 1pt solid; background-color: #BFBFBF; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center"><B>Value</B></TD>
    <TD STYLE="width: 15%; border: windowtext 1pt solid; background-color: #BFBFBF; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center"><B>2011 Results</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 0.25in; text-indent: -0.25in">1.&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;New Business Diversification</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt">Generate new business premium of $220M in specified lines of business.</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">0-8 target (+2 premium) pts</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Not Achieved</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">0 pts</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in; text-indent: -0.25in">2.&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;Pure Rate and Retention</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; border-right: Black 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Achieve an overall loss ratio improvement of 0.4% on
certain lines of business based on internal categories of profitability.&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; border-right: Black 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">0-8 target (+2 premium) pts</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Exceeded goal</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">10 pts</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; border-right: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; border-right: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Achieve an overall commercial lines pure rate target (excluding
        bonds) of +3.5% on renewal business.&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;0-6 target (+2 premium) pts</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">Not Achieved<BR>
0 pts</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 0.25in; text-indent: -0.25in">3.&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;Personal Lines</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt">Achieve rate changes effective in 2011 resulting in an aggregate premium rate increase of 5.8%.</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">0-8 target pts</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Achieved</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">8 pts</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 0.25in; text-indent: -0.25in">4.&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;Claims</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Achieve loss cost savings of $6M from identified projects.</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">0-8 target (+2 premium) pts</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Exceeded goal</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">10 pts</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 0.25in; text-indent: -0.25in">5.&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;Financial/Operational</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt">Achieve controllable expense budget of $278 million.</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">6 pts <BR>
(all or nothing)</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Achieved</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">6 pts</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 0.25in; text-indent: -0.25in">6.&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;Customer Experience</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt">Implement key targeted Customer Experience projects: (1) Deploy standardized Voice of the Customer survey; (2) Complete branding assessment; (3) Complete new design of customer invoice and develop implementation plan.</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">6 pts <BR>
(all or nothing)</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Achieved</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">6 pts</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">TOTAL ACHIEVED</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">40 pts</TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>2011 ACIP Payment Opportunities and Awards</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The ACIP payment opportunities for the NEOs earned in 2011 and
paid in 2012 under the Cash Incentive Plan were based on competitive market levels and set as a percentage of annual base salary
relative to corresponding levels of performance against the annual performance goals. The SEBC can exercise discretion to award
no incentive payments or to award amounts lower than the maximum opportunity. The following table sets forth the 2011 minimum and
maximum ACIP opportunity, the SEBC&rsquo;s actual 2011 award for the continuing NEOs as a percentage of base salary, and the percentage
increase or decrease in ACIP from 2010 to 2011:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; background-color: #D8D8D8">
    <TD STYLE="width: 21%; border: Black 1pt solid; background-color: #D8D8D8; padding-right: 5.4pt; padding-left: 0; font-weight: bold; text-align: left"><B>NEOs</B></TD>
    <TD STYLE="width: 15%; background-color: #D8D8D8; padding-right: 0; padding-left: 0; text-align: center; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><B>Minimum<BR>
2011&nbsp;ACIP<BR>
Opportunity<BR>
as&nbsp;%&nbsp;of<BR>
Base&nbsp;Salary</B></TD>
    <TD STYLE="width: 16%; background-color: #D8D8D8; padding-right: 0; padding-left: 0; text-align: center; border: Black 1pt solid"><B>Maximum<BR>
2011&nbsp;ACIP<BR>
Opportunity<BR>
as&nbsp;%&nbsp;of&nbsp;Base<BR>
Salary</B></TD>
    <TD STYLE="width: 24%; background-color: #D8D8D8; padding-right: 0; padding-left: 0; text-align: center; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><B>Maximum&nbsp;2011<BR>
Performance<BR>
Formula&nbsp;Adjusted<BR>
ACIP&nbsp;Opportunity<BR>
as&nbsp;%&nbsp;of&nbsp;Base&nbsp;Salary</B></TD>
    <TD STYLE="width: 13%; background-color: #D8D8D8; padding-right: 0; padding-left: 0; text-align: center; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><B>Actual<BR>
2011&nbsp;ACIP<BR>
as&nbsp;%&nbsp;of<BR>
Base<BR>
Salary</B></TD>
    <TD STYLE="width: 11%; background-color: #D8D8D8; padding-right: 5.4pt; padding-left: 0; text-align: center; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><B>%<BR>
Change<BR>
in&nbsp;ACIP<BR>
from<BR>
2010&nbsp;to<BR>
2011</B></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-right: 0; padding-left: 0; border: Black 1pt solid"><B>Gregory E. Murphy</B></TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">0%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">200%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">80%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">66.7%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 8.5pt; padding-left: 0; text-align: center">&nbsp;&nbsp;4.2%</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-right: 0; padding-left: 0; border: Black 1pt solid"><B>Dale A. Thatcher</B></TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">0%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">150%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">60%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">60.0%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 8.5pt; padding-left: 0; text-align: center">31.6%</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-right: 0; padding-left: 0; border: Black 1pt solid"><B>Michael H. Lanza</B></TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">0%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">150%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">60%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">55.6%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 8.5pt; padding-left: 0; text-align: center">19.7%</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-right: 0; padding-left: 0; border: Black 1pt solid"><B>John J. Marchioni</B></TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">0%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">150%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">60%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 0; padding-left: 0; text-align: center">60.0%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 8.5pt; padding-left: 0; text-align: center">41.7%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; padding-right: 0; padding-left: 0; border: Black 1pt solid"><B>Ronald J. Zaleski</B></TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-align: center">0%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-align: center">150%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-align: center">60%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-align: center">55.4%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 8.5pt; padding-left: 0; text-align: center">19.8%</TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><U>ELEMENTS OF LONG-TERM COMPENSATION</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Design Elements</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Our long-term incentive opportunities are intended to reward
our leaders, and assist with their long-term retention. By aligning financial rewards with the economic interests of our stockholders,
leaders are encouraged to achieve our long-term strategic objectives and increase stockholder value. We use both cash and non-cash
vehicles to deliver long-term compensation, which is consistent with the market practices of the companies included in our Proxy
Peer Group. We use our LTIP to motivate our executives to achieve long-term corporate objectives. For each employee eligible to
participate in the LTIP, including the NEOs, a dollar denominated target award is established. To determine the amount of the total
LTIP award pool, all individual target award amounts are aggregated.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For certain executives, including the NEOs, LTIP awards are
granted in overlapping three-year cycles, and may be allocated among any of three components including: (i) performance-based restricted
stock units; (ii) performance-based cash incentive units; and (iii) stock options. By granting performance-based restricted stock
units and performance-based cash incentive units with three-year performance periods, and options with three-year ratable vesting
periods, we encourage executive officers to continue their tenure with us and align their interests with those of our stockholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Long-Term Incentive Program Award Grants</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Performance goals for the long-term incentive awards granted
in 2009 through 2011 are as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #BFBFBF">
    <TD STYLE="width: 18%; border: windowtext 1pt solid; background-color: #BFBFBF; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Performance</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Period</B></P></TD>
    <TD STYLE="width: 46%; border: windowtext 1pt solid; background-color: #BFBFBF; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Restricted Stock Unit</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Performance Measures</B></P></TD>
    <TD STYLE="width: 36%; border: windowtext 1pt solid; background-color: #BFBFBF; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center"><B>Cash Incentive Unit <BR>
Performance Measures</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">01/01/09 &ndash; 12/31/11</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Cumulative operating return on equity<SUP>(1)</SUP> (&ldquo;ROE&rdquo;) or cumulative growth in policy count</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">TSR/net premiums written (&ldquo;NPW&rdquo;) growth/statutory combined ratio</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">01/01/10 &ndash; 12/31/12</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Cumulative operating ROE or cumulative growth in policy count</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">TSR/NPW growth/statutory combined ratio</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">01/01/11 &ndash; 12/31/13</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Cumulative operating ROE or cumulative growth in policy count</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">TSR/NPW growth/statutory combined ratio</TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;<SUP>&nbsp;</SUP></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><SUP>(1)
</SUP>Return on equity is calculated at the end of each year in the performance period as follows: net income from the performance
period / (stockholders&rsquo; equity at the beginning of the performance period + stockholders&rsquo; equity at the end of the
year) / 2. Operating return on equity is calculated as follows: operating income from the performance period / (stockholders&rsquo;
equity at the beginning of the performance period + stockholders&rsquo; equity at the end of the year-unrealized gains from the
beginning of the performance period) / 2. Operating income differs from net income by the exclusion of realized gains or losses
on investments and the results of discontinued operations. It is used as an important financial measure by management, analysts
and investors, because the realization of investment gains and losses on sales in any given period is largely discretionary as
to timing. In addition, these investment gains and losses, as well as other-than-temporary investment impairments that are charged
to earnings and the results of discontinued operations, could distort the analysis of trends. Operating income is not intended
as a substitute for net income prepared in accordance with U.S. generally accepted accounting principles (&ldquo;GAAP&rdquo;).</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In determining the amount of LTIP awards granted to the NEOs
in 2011, the SEBC considered several factors, including: (i) each NEO&rsquo;s ability to drive and impact our performance over
the three-year performance period; (ii) each NEO&rsquo;s performance during the previous year, including the achievement of departmental
goals and other projects and endeavors accomplished throughout the year, as outlined below; (iii) each NEO&rsquo;s total compensation
in comparison to our Proxy Peer Group and PCIC Survey data; and (iv) our desire for long-term retention of high-performing executives.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Performance-Based Restricted Stock Units</U></I></B>:
Sixty percent (60%) of the total monetized value of each NEO&rsquo;s LTIP award made in 2011 consisted of performance-based restricted
stock units granted under the Selective Insurance Group, Inc. 2005 Omnibus Stock Plan As Amended and Restated Effective as of May
1, 2010 (the &ldquo;Omnibus Stock Plan&rdquo;). Performance-based restricted stock unit awards are generally subject to vesting
based on time and attainment of certain performance measures that are set by the SEBC for each award at the outset of the award&rsquo;s
performance period. The 2011 grants are subject to the following conditions:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Three-year vesting period; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Achievement at the end of any calendar year during the three-year
period beginning on January 1, 2011 and ending on December 31, 2013 of either: (i) a cumulative operating ROE of at least 12% (computed
by excluding from the determination of average equity any unrealized gain occurring after December 31, 2010); or (ii) a 5% cumulative
growth in policy count.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Dividend equivalent units (&ldquo;DEUs&rdquo;) are credited
on performance-based restricted stock units at the same time and at the same dividend rate paid to all Selective stockholders.
Payment of DEUs, which are payable in shares of Selective common stock, remains subject to the same vesting conditions and performance
measures applicable to the underlying restricted stock units. This use of performance-based restricted stock units aligns this
component of NEOs&rsquo; compensation with overall corporate performance and stockholder interests.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Performance-Based Cash Incentive Units</U></I></B>:
The remaining forty percent (40%) of the monetized value of the NEOs&rsquo; LTIP award granted in 2011 consisted of performance-based
cash incentive units granted under the Cash Incentive Plan. The cash incentive unit grants take into account: (i) our three-year
performance, based on NPW growth and cumulative statutory combined ratio, in each case relative to a peer group; and (ii) TSR of
Selective common stock. Accordingly, these awards are also directly linked to Selective&rsquo;s performance and the interests of
stockholders. Performance-based cash incentive units granted in 2011 are subject to the following terms:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Three-year performance period;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The value of each cash incentive unit, initially awarded at $100 per
unit, increases or decreases to reflect the TSR of Selective common stock over the three-year performance period for the award;
and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The number of cash incentive units ultimately earned increases or
decreases based on the performance criteria in the following table:</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR>
    <TD ROWSPAN="5" STYLE="width: 24%; background-color: #BFBFBF; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center"><B>Cumulative<BR>
3-Year Statutory Net Premium Growth Relative to Peer Index</B></TD>
    <TD STYLE="width: 13%; vertical-align: top; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&gt;
    = 80<FONT STYLE="font-size: 8pt">th</FONT> percentile</TD>
    <TD STYLE="width: 13%; vertical-align: top; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">100%</TD>
    <TD STYLE="width: 13%; vertical-align: top; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">125%</TD>
    <TD STYLE="width: 13%; vertical-align: top; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">150%</TD>
    <TD STYLE="width: 12%; vertical-align: top; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">175%</TD>
    <TD STYLE="width: 12%; vertical-align: top; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">200%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">55<FONT STYLE="font-size: 8pt">th
        </FONT>&ndash; 79.9<FONT STYLE="font-size: 8pt">th</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">percentile</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">75%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">100%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">125%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">150%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">175%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">45<FONT STYLE="font-size: 8pt">th
        </FONT>&ndash; 54.9<FONT STYLE="font-size: 8pt">th</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">percentile</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">50%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">75%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">100%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">125%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">150%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">35<FONT STYLE="font-size: 8pt">th
        </FONT>&ndash; 44.9<FONT STYLE="font-size: 8pt">th</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">percentile</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">25%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">50%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">75%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">100%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">125%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&lt; 35<FONT STYLE="font-size: 8pt">th</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">percentile</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">0%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">25%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">50%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">75%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">100%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; background-color: #BFBFBF; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #BFBFBF; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&lt; 35<FONT STYLE="font-size: 8pt">th</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">percentile</P></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">35<FONT STYLE="font-size: 8pt">th
        </FONT>&ndash; 44.9<FONT STYLE="font-size: 8pt">th</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">percentile</P></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">45<FONT STYLE="font-size: 8pt">th
        </FONT>&ndash; 54.9<FONT STYLE="font-size: 8pt">th</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">percentile</P></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">55<FONT STYLE="font-size: 8pt">th
        </FONT>&ndash; 79.9<FONT STYLE="font-size: 8pt">th</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">percentile</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&gt; = 80<FONT STYLE="font-size: 8pt">th</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">percentile</P></TD></TR>
<TR STYLE="background-color: #BFBFBF">
    <TD STYLE="border: windowtext 1pt solid; vertical-align: top; background-color: #BFBFBF; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; background-color: #BFBFBF; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #BFBFBF; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center"><B>Cumulative 3-Year Statutory Combined Ratio Relative to Peer Index</B></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The peer group (the &ldquo;Cash Incentive Unit Peer Group&rdquo;)
established for 2011 for comparing performance for the purposes of determining the ultimate number of performance-based cash incentive
units earned consists of the following companies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 48%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Liberty
        Mutual Group Inc.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Cincinnati
        Financial Corporation</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Utica
        National Insurance Group</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">State
        Auto Financial Corporation</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">United
        Fire &amp; Casualty</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">CNA
        Financial Corporation</FONT></P></TD>
    <TD STYLE="width: 52%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Harleysville
        Group Inc.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Westfield
        Group</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Main
        Street America (National Grange)</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
        Hanover Insurance Group, Inc.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Auto-Owners
        Insurance Group</FONT></P></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In establishing the Cash Incentive Unit Peer Group, the SEBC
strived to include companies that have a similar mix of products, operate in the same geographic regions, have similar premium
volume, and distribute their products through independent agents.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Stock Options</U></I></B>: Prior to 2011, incentive
stock options (&ldquo;ISOs&rdquo;) comprised a portion of the monetized value of our NEOs&rsquo; LTIP awards. We did not grant
ISOs in 2011 based on a competitive review of our plan design performed by Towers Watson in 2010 and agreed upon by the Compensation
Consultant and the SEBC. The Omnibus Stock Plan, however, allows for future awards of ISOs, if the SEBC deems appropriate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>2008 Long-Term Incentive Program Award Grant Results</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table summarizes the achievement of the performance
metrics for the 2008 LTIP award grants and the corresponding payout in 2011:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: Silver">
    <TD STYLE="width: 56%; border: windowtext 1pt solid; font-weight: bold; text-align: center"><B>Performance&nbsp;Metrics</B></TD>
    <TD NOWRAP STYLE="width: 28%; border: windowtext 1pt solid; font-weight: bold; text-align: center"><B>Actual&nbsp;Performance&nbsp;Versus<BR>
Performance&nbsp;Metrics</B></TD>
    <TD STYLE="width: 16%; border: windowtext 1pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Percentage<BR>
Achieved</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><B>2008 Grant Results</B></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; text-decoration: underline"><U>Restricted Stock Units</U></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-left: 9pt; text-indent: -9pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Generate a cumulative operating ROE of at least 15% (computed by excluding from the determination of average equity any unrealized gain occurring after December 31, 2007), or achieve a 5% cumulative growth in NPW</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">Achieved 15% cumulative operating ROE</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">100%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid"><U>Cash Incentive Units</U><SUP>(1)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-left: 9pt; text-indent: -9pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">TSR over the three-year performance period, and cumulative three-year statutory NPW growth and statutory combined ratio relative to peer index for the period of January 1, 2008 to December 31, 2010</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">Achieved a TSR factor of 86.47%, a statutory combined ratio of 100.63% and NPW growth of -12.08%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">50% of units at $86.47</TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP></SUP>&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><SUP>(1)
</SUP>Cash incentive unit awards are denominated in units with an initial value of $100. Appreciation or depreciation is based
on TSR, which is determined using the change in Selective&rsquo;s common stock price and reinvested dividends over the three-year
performance period for the award. The number of units ultimately earned increases or decreases based on: (i) cumulative three-year
statutory NPW growth relative to the Cash Incentive Unit Peer Group index; and (ii) cumulative three-year statutory combined ratio
relative to this peer group index.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>Timing of LTIP Awards</U></I></B>: If made, restricted
stock unit, cash incentive unit, and stock option awards are generally granted each year following the release of Selective&rsquo;s
fourth quarter and year-end earnings results. The SEBC and the Board of Directors review final year-end results for the prior year
in connection with their regularly scheduled first quarter meeting and the SEBC makes final determinations on compensation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>2011 Compensation Actions for the CEO and the other
NEOs</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In making its 2011 compensation decisions for our NEOs, including
the CEO, with respect to base salary, ACIP awards, and LTIP awards, the SEBC considered the overall accomplishments and contributions
of each NEO. As noted in the ACIP and LTIP discussions, these components of our compensation program are limited by the achievement
of pre-determined financial and strategic goals. The SEBC may also award discretionary cash bonuses to executives when it deems
it appropriate to recognize an NEO&rsquo;s extraordinary accomplishments.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We structure our reward programs to retain and motivate our
best performing employees and those in critical positions. Our 2011 compensation decisions reflected the highly competitive pricing
environment, the prolonged economic recovery, our financial performance, and the degree of success each executive officer achieved
in meeting these challenges.&nbsp;&nbsp;We believe our management responded appropriately to an extremely challenging climate,
maintained strategic focus, and took action to achieve profitable growth over the long term.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In balancing our strategic results achieved with ongoing price
competition, the prolonged economic recovery, and the significant impact of historic catastrophe losses that affected the entire
property and casualty insurance industry, the SEBC made the following compensation decisions in 2011:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">For the CEO:</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 1in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">o</TD><TD>Mr. Murphy&rsquo;s base salary did not increase for the fifth consecutive year.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 1in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">o</TD><TD>Mr. Murphy&rsquo;s ACIP payment for 2011 was equal to the combined total of his 2010 ACIP and discretionary bonus payments.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 1in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">o</TD><TD>His LTIP award granted in February 2011 increased 8.3% from the previous year.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 1in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">o</TD><TD>His total compensation based on salary, ACIP payment, and LTIP increased 3.7% in 2011 as compared to 2010.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 1in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In making its compensation decisions for Mr. Murphy, the SEBC
reviewed our overall corporate performance, a comprehensive written performance appraisal that was completed by non-employee members
of Selective&rsquo;s Board of Directors, and a questionnaire completed by all of Mr. Murphy&rsquo;s direct reports and submitted
anonymously to the SEBC Chairman. Mr. Murphy, as CEO, has ultimate responsibility for the achievement of all financial, strategic,
and investment goals. Accordingly, with respect to 2011 compensation decisions for Mr. Murphy, the SEBC considered the following:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Our 2011 TSR was 0.8% as compared to a 7.8% TSR for the peer companies
included in the performance graph in Part II, Item 5. Market For Registrant&rsquo;s Common Equity, Related Stockholder Matters
and Issuer Purchases of Equity Securities, in Selective&rsquo;s Annual Report on Form 10-K for the year ended December 31, 2011;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The 2.3% decrease in the price of Selective common stock in 2011;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Our statutory combined ratio of 106.7%, including 8.3 points attributable
to unusually high catastrophe losses in 2011;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We achieved five of seven strategic measures established for 2011
under the ACIP;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Investment income for 2011 exceeded budget by approximately 2%;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Total operating income for 2011 was $19.1 million, compared to a budget
of $78.0 million, which was impacted by the high catastrophe losses in 2011;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Commercial lines renewal pure price increased by 2.8% in an extremely
competitive commercial lines market;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Personal lines renewal price increased by 6.8%;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We successfully completed the acquisition of two E&amp;S operations;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We achieved claim loss cost savings of $8.8 million;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We implemented several new and expanded commercial lines products
to drive diversification including Comm&bull;Unity<SUP>sm</SUP> of Faith, technology, and para-transit;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We maintained a competitive statutory expense ratio of 31.7% for 2011
versus 32% for 2010;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We reorganized a quality assurance team charged with monitoring and
evaluating underwriting practices, minimizing risk, and maximizing profitability; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We developed and initiated implementation of a plan to increase the
number of independent insurance agency &ldquo;storefront&rdquo; locations through which we place our business.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Based on the degree of achievement of the ACIP financial and
strategic measures, and guidance provided by the Compensation Consultant regarding CEO pay trends, the SEBC determined that Mr.
Murphy&rsquo;s 2011 ACIP would be set at 67% of base salary. This compares to his initial ACIP opportunity range of 0-200% of base
salary, and his performance formula adjusted ACIP maximum opportunity of 80% of base salary.&nbsp;&nbsp;This is equal to the combined
total of his 2010 ACIP and discretionary cash bonus payments.&nbsp;&nbsp;As the ACIP component of Mr. Murphy&rsquo;s compensation
is tied to our annual financial and strategic goals, the 2011 ACIP payment reflects the mixed results the company achieved in a
challenging</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">year. The SEBC determined that Mr. Murphy&rsquo;s ACIP payment was appropriate and consistent with Selective&rsquo;s
pay-for-performance philosophy.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Our other NEOs were critical in executing Selective&rsquo;s
2011 strategic goals and key accomplishments. In light of these accomplishments, the SEBC made the following compensation decisions
in 2011 for the other NEOs:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Base salaries for Messrs. Thatcher, Lanza, and Zaleski increased in
2011 by 5.3%, 3.4%, and 3.7%, respectively, after two consecutive years (2009 and 2010) of no base salary increases. Mr. Marchioni
received a 13.3% base salary increase in 2011 to better position him to external pay rates and in recognition of his assumption
of responsibility for the organization&rsquo;s claim function. Mr. Marchioni did not receive a base salary increase in 2010, but
did receive a base salary increase in 2009 in conjunction with his then new role as head of Insurance Operations, which, at the
time, did not include oversight of our Claims operations.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">LTIP awards granted in February 2011 for Messrs. Thatcher, Lanza,
Marchioni, and Zaleski increased by approximately 5.5%, 2.5%, 5.5%, and 2.5%, respectively, as compared to their LTIP awards in
2010.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">ACIP payments plus discretionary bonuses for Messrs. Thatcher and
Marchioni for 2011 increased by 26.7% and 13.3%, respectively, compared to ACIP payments and discretionary bonuses for 2010. ACIP
payments for Messrs. Lanza and Zaleski increased by approximately 11.1% and 2.7%, respectively, compared to their ACIP payments
and discretionary bonuses for 2010.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Total compensation based on salary, ACIP payment, discretionary bonuses
(for Messrs. Thatcher and Marchioni), and LTIP awards for Messrs. Thatcher, Lanza, Marchioni, and Zaleski increased in 2011 over
2010 by approximately 11%, 5%, 10.6%, and 3.0%, respectively.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In making compensation decisions regarding base salary and LTIP
for the other NEOs, the SEBC considered the following for each respective NEO:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><U>Mr. Thatcher</U> &ndash; In addition to his general management
responsibility as a member of the executive management team, Mr. Thatcher, as Executive Vice President and Chief Financial Officer,
has primary responsibility for all financial matters, including investor relations, tax, capital and capital management planning,
treasury, investment operations, enterprise risk management, reinsurance, and corporate communications. &nbsp;Mr. Thatcher&rsquo;s
major contributions in 2011, included:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Establishing a high dividend yield equities portfolio;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Exceeding investment income budget by approximately 2%, despite the
continued low fixed maturities securities interest rate environment;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Improving Selective&rsquo;s investment risk profile;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Developing a more &ldquo;customer-friendly&rdquo; billing statement;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Successfully negotiating the extension of a $30 million line of credit;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Improving enterprise risk management processes;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Supporting efforts on the selection and initial implementation of
a new general ledger system;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Redesigning the Company&rsquo;s intranet news page to improve communications
to all employees focusing on strategy and vision;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Having primary responsibility for development of our higher margin
business strategy;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Reducing organizational risk by re-evaluating reinsurance coverage;
and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Improving our Investor Relations content management system.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Based on the degree of achievement of the ACIP financial and
strategic measures, and the factors noted above, which summarize Mr. Thatcher&rsquo;s performance in 2011, the SEBC approved the
CEO&rsquo;s recommendation that Mr. Thatcher&rsquo;s 2011 ACIP payment would be set at 60% of his base salary. This compares to
his initial ACIP payment opportunity range of 0-150% of base salary and is consistent with his performance formula adjusted maximum
ACIP opportunity of 60% of base salary. In addition, in recognition of Mr. Thatcher&rsquo;s leadership in the execution of our
higher margin business strategy by directing the acquisition and integration of two E&amp;S operations, the SEBC approved the CEO&rsquo;s
recommendation that Mr. Thatcher be paid an $80,000 discretionary cash bonus in March 2012. Consequently, Mr. Thatcher&rsquo;s
2011 ACIP payment, combined with his 2011 discretionary cash bonus, was 26.7% higher than the total of his 2010 ACIP and discretionary
cash bonus payments. This award aligns with our pay-for-performance philosophy that is intended to reward and retain key performers
in critical positions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><U>Mr. Lanza</U> &ndash; In addition to his general management
responsibility as a member of the executive management team, Mr. Lanza, as Executive Vice President, General Counsel and Chief
Compliance Officer, has primary responsibility for all legal, corporate governance, internal audit, government affairs, state filings,
regulatory, and compliance matters. Mr. Lanza&rsquo;s major 2011 contributions were:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Partnering with the Claims operations to develop strategies for significant
litigation matters and mitigating litigation in extra-contractual liability claims;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Actively participating and providing legal support for the Consumer
Experience Project, including substantial text streamlining of all key communications;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Playing an active role on the Emerging Risk Committee and drafting
company positions;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Partnering with and counseling Insurance Operations leadership and
staff in meeting new business, diversification, and pricing goals;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Assisting in senior management transition matters;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Expending significant efforts to address insurance regulatory matters,
including insurance subsidiary redomestications;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Playing a key role in the success of two E&amp;S operations acquisitions
and obtaining required regulatory approvals;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Leading relationship building efforts between various departments
in the Company and with outside organizations, including various state insurance departments and industry trade organizations;
and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Executing audit plans, and developing and implementing investigative
protocols.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Based on the degree of achievement of the ACIP financial and
strategic measures, and the factors noted above, which summarize Mr. Lanza&rsquo;s performance in 2011, the SEBC approved the CEO&rsquo;s
recommendation that Mr. Lanza&rsquo;s 2011 ACIP would be set at 55.6% of base salary. This compares to his initial ACIP payment
opportunity range of 0-150% of base salary and his performance formula adjusted maximum ACIP opportunity of 60% of base salary.
Consequently, Mr. Lanza&rsquo;s 2011 ACIP payment was 11.1% higher than the total of his 2010 ACIP and discretionary cash bonus
payments. This award aligns with our pay-for-performance philosophy that is intended to reward and retain key performers in critical
positions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><U>Mr. Marchioni</U> &ndash; In addition to his general management
responsibility as a member of the executive management team, as Executive Vice President, Insurance Operations, Mr. Marchioni plays
a key role in developing strategies that enhance profitability, growth, and competitive strength for the Insurance Operations.
Within his scope of responsibilities, Mr. Marchioni has oversight of the Company&rsquo;s property and casualty insurance operations,
including managing agency relations, claims, underwriting, customer service, and all regional operations.&nbsp;&nbsp;Mr. Marchioni
also serves as a member of our key management committees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Page; Sequence: 20; Value: 17 -->
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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Mr. Marchioni successfully accomplished many of his 2011 goals,
which are closely tied to the 2011 ACIP strategic measures, although the achievement of some goals was greatly impacted by the
difficult economic environment and the extremely competitive commercial lines insurance market. Under Mr. Marchioni&rsquo;s leadership,
our Insurance Operations continues to focus on granular pricing and sophisticated underwriting that we believe will give us a competitive
advantage as the insurance market turns. Mr. Marchioni&rsquo;s major contributions in 2011 included:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Achieving a commercial lines renewal pure price increase of 2.8% in
an extremely competitive market;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Achieving a personal lines renewal price increase of 6.8%;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Achieving retention targets in commercial lines and personal lines;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Achieving claim loss cost savings of $8.8M;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Developing and deploying our new Field Marketing Specialists and implementing
a plan to increase the number of independent insurance agency &ldquo;storefront&rdquo; locations through which we place our business;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Driving key milestone achievements of the Claims Content Management
project;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Playing a key role in the acquisition of two E&amp;S operations;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Driving underwriting process reviews and quality assurance improvements;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Playing a key role in supporting the development of our strategies,
including the development of our higher margin business strategy that we believe will help position us for the future; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Taking primary responsibility for insurance producer council meetings.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Based on the degree of achievement of the ACIP financial and
strategic measures and the factors noted above, which summarize Mr. Marchioni&rsquo;s performance in 2011, the SEBC approved the
CEO&rsquo;s recommendation that Mr. Marchioni&rsquo;s 2011 ACIP would be set at 60% of base salary. This compares to his initial
ACIP opportunity range of 0-150% of base salary and is consistent with his performance formula adjusted maximum opportunity of
60% of base salary. In addition, in recognition of Mr. Marchioni&rsquo;s critical role in executing significant components of our
Claims Operations Plan to improve efficiencies and reduce costs, and new and expanded product development and implementation, the
SEBC approved the CEO&rsquo;s recommendation that Mr. Marchioni be paid an $85,000 discretionary cash bonus in March 2012. Consequently,
Mr. Marchioni&rsquo;s 2011 ACIP payment, combined with his 2011 discretionary cash bonus, was 13.3% higher than the total of his
2010 ACIP and discretionary cash bonus payments. We believe this award aligns with our pay-for-performance philosophy that is intended
to reward and retain key performers in critical positions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><U>Mr. Zaleski</U> &ndash; As Executive Vice President, Chief
Actuary, and as our chief planning and budgeting officer, Mr. Zaleski plays a key role in the oversight of reserve adequacy and
other claims initiatives, monitoring pricing actions, and supporting underwriting improvements and predictive modeling efforts.
Mr. Zaleski&rsquo;s major accomplishments in 2011 included:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Completing the commercial lines pricing reorganization, including
deploying a dynamic portfolio management tool and formulating pricing strategies applicable to the changing market;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Refining predictive modeling, for ease of use;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Working with Claims operations management to improve claim analytics,
develop fraud models, and enhance our claims reporting metrics;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Monitoring reserves on a quarterly basis, including claim frequency
and severity trends, and loss development factors;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Directing and leading the refinement of actuarial-based tools to better
address specific regional needs;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0"></P>

<P STYLE="margin: 0">&nbsp;&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Playing a key role in the success of the acquisition of two E&amp;S
operations; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Implementing a new profitability planning process that better integrates
pricing reviews, state reviews, and the planning process.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Based on the degree of achievement of the ACIP financial and
strategic measures and the factors noted above, which summarize Mr. Zaleski&rsquo;s performance in 2011, the SEBC approved the
CEO&rsquo;s recommendation that Mr. Zaleski&rsquo;s 2011 ACIP payment would be set at 55.4% of base salary. This compares to his
initial ACIP payment opportunity range of 0-150% of base salary and his performance formula adjusted maximum opportunity of 60%
of base salary. Consequently, Mr. Zaleski&rsquo;s 2011 ACIP payment was 2.7% higher than the total of his 2010 ACIP and discretionary
cash bonus payments. This award aligns with our pay-for-performance philosophy that is intended to reward and retain key performers
in critical positions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><U>Stock Ownership and Retention Requirements and Hedging</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Selective believes that stock ownership by directors and management
encourages the enhancement of stockholder value. Selective&rsquo;s stock ownership guidelines are included in our Corporate Governance
Guidelines, which are available in the Corporate Governance subsection of the Investor Relations section of <I>www.selective.com</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table shows the common stock ownership guidelines
for our directors and certain officers, which must be met at the later of March 31, 2015 or within six years of attaining the specified
position:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="margin-left: 0.5in; font: 10pt Arial, Helvetica, Sans-Serif; width: 85%; border-collapse: collapse">
<TR STYLE="background-color: Silver">
    <TD STYLE="width: 60%; border: windowtext 1pt solid; font-weight: bold; text-align: center"><B>POSITION</B></TD>
    <TD STYLE="width: 40%; border: windowtext 1pt solid; font-weight: bold; text-align: center"><B>REQUIREMENT</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid">Directors</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">4 x annual retainer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid">Chairman, President &amp; CEO</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">4 x base salary</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid">Senior Executive Vice Presidents and Executive Vice Presidents</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">2.5 x base salary</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid">Senior Vice Presidents or equivalent job grade</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">1.5 x base salary</TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In calculating ownership under the guidelines:</P>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Shares of our common stock currently owned, awards of restricted stock
or restricted stock units (included related dividend equivalent units) not yet vested, and shares of Selective common stock held
in benefit plan investments (i.e., 401(k) plan) are counted;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Unexercised stock options are not counted; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Deferred shares of our common stock held in accounts of directors
are counted.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Officers are required to retain direct ownership of at least
75% of the shares acquired under an equity award granted under any company equity compensation plan or other written compensatory
arrangements that pays out after July 27, 2011, net of taxes and transaction costs, unless the officer has met his or her applicable
stock ownership requirement as set forth above. We believe that our directors and officers are on track to meet the required ownership
guidelines.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Selective officers, directors, and employees are prohibited
from entering into hedging or monetization transactions, such as zero-cost collars and forward sale contracts, involving Selective
common stock. These transactions would allow an officer, director, or employee to hold Selective securities without the full risks
and rewards of ownership. When that occurs, the officer, director, or employee may no longer have the same objectives as Selective&rsquo;s
other stockholders. For this reason, such hedging or monetization transactions are prohibited.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><U>PERQUISITES</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NEO perquisites are limited to tax preparation services, which
is a prevailing industry practice. Messrs. Murphy and Lanza used this perquisite in 2011 and were reimbursed $3,000 and $1,800,
respectively.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><U>RETIREMENT AND DEFERRED COMPENSATION PLANS</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">SICA employs all of our personnel, including all of the NEOs.
We strive to provide a competitive retirement benefit program that allows us to attract and retain talent for the organization.
This includes both a defined contribution and a defined benefit program depending on date of hire. In addition, SICA offers a non-qualified
deferred compensation plan (&ldquo;Deferred Compensation Plan&rdquo;) to our highly compensated officers, including the NEOs. These
plans are consistent with benefits provided by many of the companies with which we compete for executive talent.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Specifically, SICA maintains a non-contributory defined benefit
pension program consisting of a tax qualified defined benefit pension plan named the Retirement Income Plan for Selective Insurance
Company of America (the &ldquo;Retirement Income Plan&rdquo;) and a supplemental employee retirement plan for certain executives
and employees. The pension program is more fully described in the section entitled &ldquo;Pension Benefits&rdquo; beginning on
page 46.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">SICA offers a tax qualified defined contribution plan named
the Selective Insurance Retirement Savings Plan (the &ldquo;Retirement Savings Plan&rdquo;) to employees, including the NEOs, who
meet eligibility requirements. Participants, other than highly compensated employees as defined by the Internal Revenue Service,
could contribute 50% of their defined compensation to the Retirement Savings Plan, up to $16,500 in 2011. Under the Retirement
Savings Plan participant contributions are matched at 100% to the first 3% of the employee&rsquo;s defined compensation and 50%
up to the next 3% of the employee&rsquo;s defined compensation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Participants over the age of 50, including certain of the NEOs,
may make an additional $5,500 catch-up contribution to the Retirement Savings Plan, pursuant to the Internal Revenue Code. The
Retirement Savings Plan also includes an additional non-elective contribution feature for otherwise eligible employees who, because
of a date of hire after December 31, 2005, are not eligible to participate in the Retirement Income Plan. None of the NEOs are
eligible for the non-elective contribution.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Under the Deferred Compensation Plan, certain executives and
employees, including the NEOs, may defer up to 50% of their base salary and/or up to 90% of their ACIP payment. To the extent not
matched in the Retirement Savings Plan, contributions to the Deferred Compensation Plan by participants of up to 6% of base salary
were matched by SICA as follows: 100% of the first 3% of the NEOs&rsquo; defined compensation and 50% up to the next 3% of the
NEOs&rsquo; defined compensation. Additionally, to the extent that a non-elective contribution is not made in the Retirement Savings
Plan due to the limitations under the Internal Revenue Code and the plan, non-elective contributions of 4% of base salary are made
by SICA. Additional information regarding the Deferred Compensation Plan is included in the section entitled &ldquo;Nonqualified
Deferred Compensation&rdquo; on page 47.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">SICA also maintains health and welfare benefit plans in which
eligible employees, including the NEOs, participate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><U>EMPLOYMENT AGREEMENTS</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">SICA has entered into employment agreements with its key executive
officers, including the NEOs, which provide for severance in the event of termination: (i) due to death or disability; (ii) without
&ldquo;Cause&rdquo;<SUP>3</SUP>; (iii) due to resignation for &ldquo;Good Reason&rdquo;<SUP>4</SUP> by (A) the CEO at any time,
or (B) other executives within two years following a change in control; (iv) due to resignation of the NEO within two years of
the company first imposing a requirement, without the consent of the NEO, that relocates the NEO&rsquo;s business location</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><SUP>3
</SUP></FONT>&ldquo;Cause&rdquo; is defined in the employment agreements, but generally means the executive: (i) was convicted
of or pled guilty to a felony; (ii) breached a material provision of the executive&rsquo;s employment agreement; or (iii) engaged
in misconduct which constitutes fraud in the performance of the executive&rsquo;s duties and obligations to the Company.</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><SUP>4
</SUP></FONT>&ldquo;Good Reason&rdquo; is defined in the employment agreements, but generally means: (i) a material reduction
in salary; (ii) a material negative change in the executive&rsquo;s benefits; (iii) a material reduction of the executive&rsquo;s
position, duties, responsibilities, and status with the company or material negative change in title or office; (iv) requiring
the executive to be based at a location in excess of 50 miles from the location of the executive&rsquo;s office prior to a change
in control; (v) failure of a counterparty to a transaction resulting in a change in control to assume the employment agreement;
or (vi) a breach of the employment agreement by SICA within two years after a change in control.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">more
than fifty (50) miles; and (v) within two years following a change in control. The SEBC believes that these agreements are important
for recruitment and retention of key executives and was advised by its Compensation Consultant that the terms of these agreements
were market competitive within our peer group when they were executed. In the event of a change in control, uncertainty may arise
among our key executives as to their continued employment after or in connection with such event, which may result in the departure
or distraction of our key executives. The purpose of the employment agreements is to retain our key executives and reinforce and
encourage their continued attention and dedication during such a potentially critical time, even if they fear that their position
will be terminated after or in connection with the change in control.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">With respect to severance payments and continued insurance coverages,
the change in control provision of the employment agreements requires that the executive&rsquo;s employment be terminated within
two years following a change in control. This double trigger ensures such a payout does not automatically occur upon a change in
control only. Outstanding awards under our stock and cash plans, however, vest and become exercisable upon a change in control
for all employees, including the NEOs. The employment agreements are described in the section entitled &ldquo;Employment Agreements
and Potential Payments upon Termination or Change of Control&rdquo; beginning on page 48. This section includes information on
multipliers used in calculating the severance payment and duration of benefit coverage provided to individual executives upon termination.
We believe these multipliers are consistent with the level and value of the position to the organization.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><U>TAX TREATMENT AND ACCOUNTING</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The SEBC generally seeks to preserve deductibility under the
Internal Revenue Code for performance-based compensation paid to its executive officers as practicable. Section 162(m) of the Internal
Revenue Code prohibits publicly-owned companies from deducting compensation paid to certain of its executive officers as expense
to the extent that the officer&rsquo;s compensation in excess of $1 million is not performance-based and is not paid pursuant to
a stockholder approved plan. Selective has two performance-based stockholder approved plans: (i) the Omnibus Stock Plan; and (ii)
the Cash Incentive Plan. <FONT STYLE="color: black">Notwithstanding that the SEBC generally seeks to preserve deductibility under
Section 162(m), there may be situations where the SEBC makes compensation decisions that it believes are in the interests of the
company, but that would result in certain compensation not being performance-based compensation. Accordingly, that compensation
will be subject to the deductibility limits of Section 162(m).</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">GAAP require that compensation expense be measured on the income
statement for all share-based payments at grant date fair value of equity instruments (including employee stock options and restricted
stock and restricted stock unit awards) and at market value on the day of vesting of liability instruments (including cash incentive
unit awards). The SEBC has considered the impact of GAAP on our use of stock-based compensation as a key retention tool.&nbsp;&nbsp;The
SEBC has determined that the current estimated costs of continuing to use stock-based compensation relative to the benefits our
compensation programs provide, does not warrant any change to our current incentive framework.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We have designed our compensation programs and awards to executive
officers to comply with the provisions of Section 409A of the Internal Revenue Code, where applicable. For example, payments made
to our executive officers under our non-qualified deferred compensation plans on account of the executives&rsquo; separation from
service are not payable before the first day of the seventh month following the date of separation from service.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_020" TITLE="summary"></A>Summary Compensation Table</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following Summary Compensation Table reflects the compensation
earned by or paid to the NEOs during 2009, 2010, and 2011.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 21%; border: windowtext 1pt solid; font-size: 10pt; text-decoration: underline; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Name<BR>
    and<BR> Principal&nbsp;Position</FONT></TD>
    <TD STYLE="width: 6%; border: windowtext 1pt solid; font-size: 10pt; text-decoration: underline; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Year</FONT></TD>
    <TD STYLE="width: 7%; border: windowtext 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Salary<BR>
    </U>($)<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="width: 8%; border: windowtext 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Bonus<BR>
    </U>($)<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="width: 9%; border: windowtext 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Stock<BR>
    Awards<BR>
    </U>($)<SUP>(3)&nbsp;</SUP></FONT></TD>
    <TD STYLE="width: 7%; border: windowtext 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Option<BR>
    Awards<BR>
    </U>($)<SUP>(4)&nbsp;</SUP></FONT></TD>
    <TD STYLE="width: 10%; border: windowtext 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Non-Equity<BR>
    Incentive<BR>
    Plan<BR>
    Compen-sation<BR>
    </U>($)<SUP>(5)</SUP></FONT></TD>
    <TD STYLE="width: 12%; border: windowtext 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Change&nbsp;in<BR>
    Pension&nbsp;Value<BR>
    and<BR>
    Nonqualified<BR>
    Deferred<BR>
    Compensation<BR>
    Earnings</U>&nbsp;($)<SUP>(6)</SUP></FONT></TD>
    <TD STYLE="width: 10%; border: windowtext 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>All&nbsp;Other<BR>
    Compen-sation<BR>
    </U>($)<SUP>(7)</SUP></FONT></TD>
    <TD STYLE="width: 10%; border: windowtext 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Total<BR>
    </U>($)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Gregory
        E. Murphy</B></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chairman,
        President &amp;<BR>
        Chief Executive Officer</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2011</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2010</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2009</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">900,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">900,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">934,616</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">24,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,300,001</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,176,392</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,329,413</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">23,695</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">20,602</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">600,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">576,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">400,000</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">491,126</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">529,748</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">448,515</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">43,500</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">40,950</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">42,525</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">3,334,627</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">3,270,785</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">3,175,671</FONT></P></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Dale
        A. Thatcher</B></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Executive
        Vice <BR>
        President &amp; Chief <BR>
        Financial Officer</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: right"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2011</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2010</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2009</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">497,115</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">475,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">493,269</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">80,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">72,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">451,421</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">401,194</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">401,589</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">23,695</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">20,602</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">300,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">228,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">291,300</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">88,478</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">70,926</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">52,350</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">22,370</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">21,613</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">64,041</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,439,385</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,292,428</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,323,151</FONT></P></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Michael
        H. Lanza</B></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Executive
        Vice <BR>
        President, General <BR>
        Counsel &amp; Chief <BR>
        Compliance Officer</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: right"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2011</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2010</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2009</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">448,268</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">435,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">451,731</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">16,200</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">389,653</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">354,146</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">354,832</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">23,695</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">20,602</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">250,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">208,800</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">218,500</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">55,643</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">42,017</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">28,929</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">21,972</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">19,207</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">43,883</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,165,536</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,099,065</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,118,477</FONT></P></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>John
        J. Marchioni</B></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Executive
        Vice <BR>
        President, Insurance <BR>
        Operations</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: right"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2011</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2010</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2009</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">419,231</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">375,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">381,731</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">85,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">120,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">46,613</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">451,421</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">401,194</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">308,075</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">23,695</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">20,602</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">255,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">180,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">244,687</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">65,307</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">46,968</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">33,176</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">18,865</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">17,063</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">30,525</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,294,825</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,163,920</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,065,409</FONT></P></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Ronald
        J. Zaleski</B></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Senior
        Executive Vice <BR>
        President &amp; Chief <BR>
        Actuary</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: right"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2011</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2010</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2009</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">413,269</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">400,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">415,385</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">32,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">410,009</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">376,391</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">371,059</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">23,695</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">20,602</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">230,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">192,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">218,500</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">89,772</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">75,600</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">60,282</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">18,597</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">18,200</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">59,288</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,161,648</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,117,886</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,145,116</FONT></P></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;<SUP>&nbsp;</SUP></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(1)</SUP> Although the CEO
and other NEOs, other than Mr. Marchioni, did not receive a base salary increase in 2009, the Summary Compensation Table shows
an increase in salary dollars for 2009. This increase was due to pay period timing that resulted in an extra pay period in 2009
(27 vs. 26). This pay period timing occurs approximately once every decade. Consequently, the NEOs, as well as every employee
in the organization who was employed for the full year, were paid an additional pay period in 2009. This did not result in an
ongoing increase to the NEOs or any employee&rsquo;s annual base pay rate. The amounts in this column include any salary that
certain NEOs have deferred into SICA&rsquo;s Deferred Compensation Plan. Such amounts are also included in the Nonqualified Deferred
Compensation table on page 48.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(2)</SUP> Amounts in this
column reflect discretionary cash bonus awards to the NEOs earned in 2011 and paid in 2012, earned in 2010 and paid in 2011, and
earned in 2009 and paid in 2010. The amounts reported in this column as earned in 2009 and paid in 2010, and earned in 2010 and
paid in 2011, were inadvertently included in the amounts reported under the &ldquo;Non-Equity Incentive Plan Compensation&rdquo;
column of the Summary Compensation Table in Selective&rsquo;s 2010 and 2011 Proxy Statements.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(3)</SUP> This column reflects
the aggregate grant date fair value of the 2011, 2010, and 2009 grants of performance-based restricted stock unit awards, and
2011, 2010, and 2009 grants of performance-based cash incentive unit awards. Grants of performance-based restricted stock units
were made pursuant to the Omnibus Stock Plan, and such shares vest three years from the date of grant, conditioned upon the attainment
of certain predetermined performance goals. Grants of performance-based cash incentive unit awards were made pursuant to the Cash
Incentive Plan, and such units vest at the payment date, which is as soon as practicable in the calendar year following the end
of the calendar year coincident with the end of the three-year performance period. The value of each cash incentive unit initially
awarded increases or decreases to reflect TSR on Selective common stock over the three-year performance period for the award.
The number of cash incentive units ultimately earned increases or decreases based on: (i) cumulative three-year statutory NPW
growth relative to the Cash Incentive Unit Peer Group discussed in the &ldquo;Elements of Long-Term Compensation&rdquo; section
of the Compensation Discussion and Analysis; and (ii) cumulative three-year statutory combined ratio relative to the Cash Incentive
Unit Peer Group. Restricted stock unit and cash incentive unit awards are subject to forfeiture should the grantee resign or be
terminated for cause prior to vesting.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">The grant date fair values for
the performance-based restricted stock unit and performance-based cash incentive unit awards granted in 2011 to the NEOs are as
follows: Mr. Murphy: $780,001 restricted stock units and $520,000 cash incentive units; Mr. Thatcher: $261,421 restricted stock
units and $190,000 cash incentive units; Mr. Lanza: $225,653 restricted stock units and $164,000 cash incentive units; Mr. Marchioni:
$261,421 restricted stock units and $190,000 cash incentive units; and Mr. Zaleski: $246,009 restricted stock units and $164,000
cash incentive units.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">The grant date fair values for
the performance-based restricted stock unit and performance-based cash incentive unit awards granted in 2010 to the NEOs are as
follows: Mr. Murphy: $705,792 restricted stock units and $470,600 cash incentive units; Mr. Thatcher: $230,594 restricted stock
units and $170,600 cash incentive units; Mr. Lanza: $203,546 restricted stock units and $150,600 cash incentive units; Mr. Marchioni:
$230,594 restricted stock units and $170,600 cash incentive units; and Mr. Zaleski: $225,791 restricted stock units and $150,600
cash incentive units.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">The grant date fair values for
performance-based restricted stock unit and performance-based cash incentive unit awards granted in 2009 to the NEOs are as follows:
Mr. Murphy: $864,113 restricted stock units and $465,300 cash incentive units; Mr. Thatcher: $251,289 restricted stock units and
$150,300 cash incentive units; Mr. Lanza: $222,032 restricted stock units and $132,800 cash incentive units; Mr. Marchioni: $192,775
restricted stock units and $115,300 cash incentive units; and Mr. Zaleski: $238,259 restricted stock units and $132,800 cash incentive
units.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">The aggregate grant date fair value
reported in this column assumes the following: (i) the predetermined performance goals for the restricted stock unit grants are
probable of being attained; (ii) per unit values for the cash incentive unit awards of $100.00; and (iii) a 100% peer group unit
multiplier for cash incentive unit awards. The maximum value assuming the highest level of performance conditions for the performance-based
restricted stock units are consistent with the amounts above. Although the maximum number of performance-based cash incentive
units potentially issuable is 200% of the original grant, the ultimate maximum value of the grant cannot be determined due to
the fact that, as stated above, the value of each unit is adjusted based on the TSR of Selective common stock, the maximum value
of which is not determinable at this time.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(4)</SUP> This column reflects
the aggregate grant date fair value for the 2010 and 2009 option grants. There were no option grants in 2011. The aggregate grant
date fair value of these grants is calculated using the Black-Scholes option valuation method. For a discussion of the weighted-average
assumptions used in the valuation of these awards, see Item 8. Financial Statements and Supplementary Data, Note 16, Share-Based
Payments, in Selective&rsquo;s Annual Report on Form 10-K for the year ended December 31, 2010; and Item 8. Financial Statements
and Supplementary Data, Note 17, Share-Based Payments, in Selective&rsquo;s Annual Report on Form 10-K for the year ended December
31, 2009. Grants were made pursuant to the Omnibus Stock Plan, and such options vest one-third each year, beginning on the first
anniversary of the grant date. The grants are subject to forfeiture should the grantee be terminated for cause prior to vesting.
If the grantee resigns prior to vesting, any outstanding options that were vested at the time of separation from the company expire
90 days from the separation date.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(5)</SUP> Amounts in this
column include awards to the NEOs earned in 2011 and paid in 2012, earned in 2010 and paid in 2011, and earned in 2009 and paid
in 2010. These awards were granted under the Cash Incentive Plan.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(6)</SUP> Amounts in this
column reflect the actuarial increase in the present value of each NEOs pension benefits under all defined benefit pension plans
of SICA, determined using the same interest rate and mortality assumptions as those used for financial statement reporting purposes.
There were no changes to the benefit formulas under the defined pension benefit plans in 2011. The increases in pension values
reported in this column are attributable to a decrease in the discount rate used to calculate present value along with the increase
of years of service of the NEOs. There were no above-market or preferential earnings on deferred compensation under SICA&rsquo;s
nonqualified deferred compensation program.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(7)</SUP> For 2011, amounts
in this column for each NEO reflect the following:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 8pt Symbol">&middot;</FONT></TD><TD><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Mr.
                                                                                                            Murphy: $29,475 of
                                                                                                            company matching contributions
                                                                                                            to his Deferred Compensation
                                                                                                            Plan, $11,025 of company
                                                                                                            matching contributions
                                                                                                            to his 401(k) plan,
                                                                                                            and $3,000 for tax
                                                                                                            preparation services.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 8pt Symbol">&middot;</FONT></TD><TD><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Mr.
                                                                                                            Thatcher: $11,345
                                                                                                            of company matching
                                                                                                            contributions to his
                                                                                                            Deferred Compensation
                                                                                                            Plan and $11,025 of
                                                                                                            company matching contributions
                                                                                                            to his 401(k) plan.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 8pt Symbol">&middot;</FONT></TD><TD><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Mr.
                                                                                                            Lanza: $9,147 of company
                                                                                                            matching contributions
                                                                                                            to his Deferred Compensation
                                                                                                            Plan, $11,025 of company
                                                                                                            matching contributions
                                                                                                            to his 401(k) plan,
                                                                                                            and $1,800 for tax
                                                                                                            preparation services.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 8pt Symbol">&middot;</FONT></TD><TD><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Mr.
                                                                                                            Marchioni: $7,840
                                                                                                            of company matching
                                                                                                            contributions to his
                                                                                                            Deferred Compensation
                                                                                                            Plan and $11,025 of
                                                                                                            company matching contributions
                                                                                                            to his 401(k) plan.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 8pt Symbol">&middot;</FONT></TD><TD><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Mr.
                                                                                                            Zaleski: $7,572 of
                                                                                                            company matching contributions
                                                                                                            to his Deferred Compensation
                                                                                                            Plan and $11,025 of
                                                                                                            company matching contributions
                                                                                                            to his 401(k) plan.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_021" TITLE="grants"></A>Grants of Plan Based Awards</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table shows the grants of plan based awards to
our NEOs in 2011:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD ROWSPAN="3" STYLE="border: windowtext 1pt solid; text-decoration: underline; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Name</FONT></TD>
    <TD ROWSPAN="3" STYLE="border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Grant</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Date</U></FONT></P></TD>
    <TD COLSPAN="2" ROWSPAN="2" STYLE="border: windowtext 1pt solid; vertical-align: top"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Estimated
        Future</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Payouts
        under Non-</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Equity
        Incentive Plan</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Awards<SUP>(1)</SUP></U></FONT></P></TD>
    <TD COLSPAN="4" STYLE="border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Estimated
        Future Payouts under Equity</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Incentive
        Plan Awards</U><SUP>(2)</SUP></FONT></P></TD>
    <TD ROWSPAN="3" STYLE="border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Grant
        Date Fair</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Value
        of Cash</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Incentive
        Unit,</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Restricted
        Stock</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Units,
        and Option</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Awards</U><SUP>(4)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">($)</FONT></P></TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Cash
        Incentive Unit</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Awards</U><SUP>(3)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Restricted</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Stock
        Unit</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Awards
        </U>(#)</FONT></P></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Thres-</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Hold</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>($)</U></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Maximum
        ($)</U></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Threshold</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(#)</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Target</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(#)</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Maximum</U> (#)</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Maximum
    </U>(#)</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD ROWSPAN="3" STYLE="width: 23%; border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Gregory
    E. Murphy</FONT></TD>
    <TD STYLE="width: 10%; vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2/4/2011</FONT></TD>
    <TD STYLE="width: 8%; vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="width: 13%; vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="width: 8%; vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="width: 8%; vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="width: 13%; vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">42,185</FONT></TD>
    <TD STYLE="width: 17%; vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$780,001</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2/4/2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2,600</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">5,200</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">10,400</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$520,000</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,800,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD ROWSPAN="3" STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Dale
    A. Thatcher</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2/4/2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">15,414</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$261,421</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2/4/2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">950</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,900</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">3,800</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$190,000</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$750,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD ROWSPAN="3" STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Michael
    H. Lanza</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2/4/2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">13,305</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$225,653</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2/4/2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">820</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,640</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">3,280</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$164,000</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$675,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD ROWSPAN="3" STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John
    J. Marchioni</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2/4/2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">15,414</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$261,421</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2/4/2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">950</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,900</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">3,800</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$190,000</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$637,500</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD ROWSPAN="3" STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ronald
    J. Zaleski</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2/4/2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">13,305</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$246,009</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2/4/2011</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">820</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,640</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">3,280</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$164,000</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$622,500</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;<SUP>&nbsp;</SUP></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(1)</SUP> Amounts represent
minimum and maximum potential ACIP awards under our Cash Incentive Plan for 2011. Maximum awards reflect the maximum ACIP award
established by the SEBC. ACIP awards are intended to qualify as &ldquo;performance-based compensation&rdquo; under Section 162(m)
of the Internal Revenue Code. Actual payouts of the above-referenced awards are included in the Non-Equity Incentive Plan Compensation
column of the Summary Compensation Table. For information regarding the ACIP, see the section of the Compensation Discussion and
Analysis beginning on page 28 entitled &ldquo;Annual Cash Incentive Program.&rdquo;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(2)</SUP> Performance-based
cash incentive unit awards are granted under the Cash Incentive Plan, and performance-based restricted stock unit awards and stock
option awards are granted under the Omnibus Stock Plan. For a description of the material terms of such awards, see the section
of the Compensation Discussion and Analysis beginning on page 30 entitled, &ldquo;Elements of Long-Term Compensation.&rdquo;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(3)</SUP> The number of performance-based
cash incentive units paid can range from 0-200%, and therefore, the amount payable could be $0. The threshold selected represents
the 35-44.9<SUP>th</SUP> percentile of the Cash Incentive Unit Peer Group; the target represents the 45-54.9<SUP>th</SUP> percentile
of the Cash Incentive Unit Peer Group; and the maximum represents greater than or equal to the 80<SUP>th</SUP> percentile of the
Cash Incentive Unit Peer Group.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(4)</SUP> This column includes
the grant date fair value of restricted stock unit awards and cash incentive unit awards with an initial value of $100 per unit.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_022" TITLE="outing"></A>Outstanding Equity Awards at Fiscal
Year End</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table shows the unexercised options and unvested
stock awards to our NEOs as of December 31, 2011:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border: windowtext 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1.5pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-decoration: underline; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Option&nbsp;Awards</FONT></TD>
    <TD COLSPAN="4" STYLE="border: windowtext 1pt solid; font-size: 10pt; text-decoration: underline; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Stock&nbsp;Awards</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 13%; border: windowtext 1pt solid; font-size: 10pt; text-decoration: underline; text-align: center; vertical-align: top"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Name</FONT></TD>
    <TD STYLE="width: 11%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-decoration: underline; text-align: center; vertical-align: top"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">No.&nbsp;of<BR>
    Securities<BR> Underlying<BR> Unexercised<BR> Options&nbsp;(#)<BR> Exercisable</FONT></TD>
    <TD STYLE="width: 11%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-decoration: underline; text-align: center; vertical-align: top"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">No.&nbsp;of<BR>
    Securities<BR> Underlying<BR> Unexercised<BR> Options&nbsp;(#)<BR> Unexercisable</FONT></TD>
    <TD STYLE="width: 8%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-align: center; vertical-align: top"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><U>Option<BR>
    Exercise<BR>
    Price<BR>
    </U>($/Sh)</FONT><FONT STYLE="font-size: 8pt"><SUP>(1)</SUP></FONT></TD>
    <TD STYLE="width: 11%; border-right: windowtext 1.5pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-decoration: underline; text-align: center; vertical-align: top"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><U>Option<BR>
    Expiration<BR>
    Date</U></FONT></TD>
    <TD STYLE="width: 10%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-align: center; vertical-align: top"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><U>No.&nbsp;of<BR>
    Shares&nbsp;or<BR>
    Units&nbsp;of<BR>
    Stock<BR>
    That&nbsp;Have<BR>
    Not<BR>
    Vested<BR>
    </U>(#)</FONT><FONT STYLE="font-size: 8pt"><SUP>(2)</SUP></FONT></TD>
    <TD STYLE="width: 10%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-align: center; vertical-align: top"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><U>Market<BR>
    Value&nbsp;of<BR>
    Shares&nbsp;or<BR>
    Units&nbsp;of<BR>
    Stock<BR>
    That&nbsp;Have<BR>
    Not<BR>
    Vested<BR>
    </U>($)</FONT></TD>
    <TD STYLE="width: 12%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-decoration: underline; text-align: center; vertical-align: top"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Equity<BR>
    Incentive<BR> Plan<BR> Awards:&nbsp;No.<BR> of&nbsp;Unearned<BR> Shares,<BR> Units&nbsp;or<BR> Other&nbsp;Rights<BR> That&nbsp;Have<BR>
    Not&nbsp;Vested<BR STYLE="mso-special-character: line-break"></FONT></TD>
    <TD STYLE="width: 14%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-align: center; vertical-align: top"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><U>Equity<BR>
    Incentive&nbsp;Plan<BR>
    Awards:<BR>
    Market&nbsp;or<BR>
    Payout&nbsp;Value<BR>
    of&nbsp;Unearned<BR>
    Shares,&nbsp;Units<BR>
    or&nbsp;Other<BR>
    Rights&nbsp;That<BR>
    Have&nbsp;Not<BR>
    Vested<BR>
    </U>($)</FONT><FONT STYLE="font-size: 8pt"><SUP>(9)</SUP></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-size: 10pt; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Gregory
    E. Murphy</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">11,394</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">10,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">10,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3,480</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3,480</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,154</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,342</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2,146</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2,172<SUP>(10)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,293<SUP>(11)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">11.6175</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">17.395</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">22.025</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">28.74</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">27.44</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">24.07</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15.35</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15.53</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/04/2013</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/03/2014</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/01/2015</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">01/30/2016</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">01/30/2017</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/06/2018</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">01/30/2019</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/05/2020</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">62,296<SUP>(3)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">48,498<SUP>(4)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">43,563<SUP>(5)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,104,512</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">859,872</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">772,366</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,653<SUP>(6)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,706<SUP>(7)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">5,200<SUP>(8)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">397,227</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">540,578</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">524,160</FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid; font-size: 10pt; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Dale
    A. Thatcher</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">10,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3,480</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3,480</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,154</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,342</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2,146</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2,172<SUP>(10)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,293<SUP>(11)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">22.025</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">28.74</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">27.44</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">24.07</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15.35</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15.53</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/01/2015</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">01/30/2016</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">01/30/2017</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/06/2018</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">01/30/2019</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/05/2020</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">20,122<SUP>(3)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">17,577<SUP>(4)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15,917<SUP>(5)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">356,758</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">311,637</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">282,215</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,503<SUP>(6)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,706<SUP>(7)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,900<SUP>(8)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">128,311</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">195,968</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">191,520</FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-size: 10pt; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Michael
    H. Lanza</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3,480</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3,480</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,154</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,342</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2,146</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2,172<SUP>(10)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,293<SUP>(11)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">28.74</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">27.44</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">24.07</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15.35</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15.53</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">01/30/2016</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">01/30/2017</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/06/2018</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">01/30/2019</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/05/2020</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">17,779<SUP>(3)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15,515<SUP>(4)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">13,740<SUP>(5)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">315,222</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">275,083</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">243,602</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,328<SUP>(6)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,506<SUP>(7)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,640<SUP>(8)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">113,371</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">172,994</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">165,312</FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid; font-size: 10pt; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>John
    J. Marchioni</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3,406</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3,644</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,154</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,342</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2,146&nbsp;</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2,172<SUP>(10)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,293<SUP>(11)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">22.025</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">27.44</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">24.07</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15.35</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15.53</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/01/2015</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">01/30/2017</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/06/2018</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">01/30/2019</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/05/2020</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15,436<SUP>(3)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">17,577<SUP>(4)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15,917<SUP>(5)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">273,685</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">311,637</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">282,215</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,153<SUP>(6)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,706<SUP>(7)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,900<SUP>(8)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">98,432</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">195,968</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">191,520</FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-size: 10pt; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Ronald
    J. Zaleski</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">8,606</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">5,748</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">10,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3,480</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3,480</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,154</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,342</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2,146</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2,172<SUP>(10)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4,293<SUP>(11)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">11.6175</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">17.395</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">22.025</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">28.74</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">27.44</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">24.07</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15.35</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15.53</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/04/2013</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/03/2014</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/01/2015</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">01/30/2016</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">01/30/2017</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/06/2018</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">01/30/2019</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">02/05/2020</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">17,779<SUP>(3)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15,515<SUP>(4)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">13,740<SUP>(5)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">315,222</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">275,083</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">243,602</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,328<SUP>(6)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,506<SUP>(7)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1,640<SUP>(8)</SUP></FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">113,371</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">172,994</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">165,312</FONT></P></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 4pt">&nbsp;<SUP>&nbsp;</SUP></P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 8pt"><SUP>(1)
</SUP>The exercise price of option grants made under the Omnibus Stock Plan is the closing market price on the date of the grant.
The exercise price of option grants made under previous equity plans is the average of the high and the low market price on the
date of grant.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 8pt"><SUP>(2)</SUP>
In the event of a termination of employment on or after an individual attains &ldquo;Early Retirement Age,&rdquo; as defined under
the Retirement Income Plan, holders of performance-based restricted stock unit awards are vested in such awards subject only to
the attainment of applicable performance measures. The respective dates upon which each NEO attained, or is anticipated to attain,
his Early Retirement Age are as follows: Mr. Murphy, 10/27/2002; Mr. Thatcher, 12/4/2015; Mr. Lanza, 12/16/2016; Mr. Marchioni
09/14/2018; and Mr. Zaleski, 12/7/09.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 8pt"><SUP>(3)</SUP>
Reflects number of performance-based restricted stock units initially granted on January 30, 2009 and the related accrued DEUs,
which will vest and be payable, subject to the attainment of applicable performance measures, on January 30, 2012.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 8pt"><SUP>(4) </SUP>Reflects
number of performance-based restricted stock units initially granted February 5, 2010 and the related accrued DEUs, which will
vest and be payable, subject to the attainment of applicable performance measures, on February 5, 2013.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><SUP>&nbsp;</SUP></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(5)</SUP> Reflects number
of performance-based restricted stock units initially granted on February 4, 2011 and the related accrued DEUs, which will vest
and be payable, subject to the attainment of applicable performance measures, on February 4, 2014.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 8pt"><SUP>(6)</SUP>
Reflects number of performance-based cash incentive units initially granted on January 30, 2009 to the NEOs for the three-year
performance period ending December 31, 2011. In the event of a termination of employment on or after an individual&rsquo;s Early
Retirement Date, holders of such awards are vested in such awards, with the initial number of units and the value of each unit
subject to adjustment, based on the attainment of specified performance measures. Early Retirement Dates for the NEOs are set
forth in footnote 2. Settlement of the 2009 cash incentive unit awards will be made as soon as practicable in the 2012 calendar
year, following the determination of the attainment of the applicable performance measures.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 8pt"><SUP>(7)</SUP>
Reflects number of performance-based cash incentive units initially granted on February 5, 2010 for the three-year performance
period ending December 31, 2012. In the event of a termination of employment on or after an individual&rsquo;s Early Retirement
Date, holders of such awards are vested in such awards, with the initial number of units and the value of each unit subject to
adjustment, based on the attainment of specified performance measures. Early Retirement Dates for the NEOs are set forth in footnote
2. Settlement of the 2010 cash incentive unit awards will be made as soon as practicable in the 2013 calendar year, following
the determination of the attainment of the applicable performance measures.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(8)</SUP> Reflects number
of performance-based cash incentive units initially granted on February 4, 2011 to the NEOs for the three-year performance period
ending December 31, 2013. In the event of a termination of employment on or after an individual&rsquo;s Early Retirement Date,
holders of such awards are vested in such awards, with the initial number of units and the value of each unit subject to adjustment,
based on the attainment of specified performance measures. Early Retirement Dates for the NEOs are set forth in footnote 2. Settlement
of the 2011 cash incentive unit awards will be made as soon as practicable in the 2014 calendar year, following the determination
of the attainment of the applicable performance measures.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(9)</SUP> The amounts in this
column reflect: (i) an $85.37 per unit value for the January 30, 2009 cash incentive unit grant, a $114.87 per unit value for
the February 5, 2010 cash incentive unit grant, and a $100.80 per unit value for February 4, 2011 cash incentive unit grant based
on TSR of Selective common stock at December 31, 2011; and (ii) the target 100% unit multiplier for the number of cash incentive
units granted on January 30, 2009, February 5, 2010, and February 4, 2011, respectively, based on performance against the Cash
Incentive Unit Peer Group. The target 100% unit multiplier is used in the calculation for the grants because performance through
December 31, 2011 is below target for the January 30, 2009 and February 5, 2010 awards and at target for the February 4, 2011
cash incentive unit grant. The targets are identified for the February 4, 2011 grant in the Grants of Plan Based Awards table
on page 43.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(10)</SUP> These options vested
on January 30, 2012.<SUP> </SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(11)</SUP> These options vested,
or are scheduled to vest, as follows: 2,146 options on February 5, 2012 and 2,147 options on February 5, 2013. Vesting may be
accelerated upon death, disability, or retirement on or after attaining Early Retirement Age, or in accordance with such NEO&rsquo;s
employment agreement as discussed beginning on page 48.<SUP> </SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>&nbsp;</SUP></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_023" TITLE="option"></A>Option Exercises and Stock Vested</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table shows the option exercises and stock vesting
of grants of plan based awards by our NEOs in 2011:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 85%; border-collapse: collapse">
<TR>
    <TD STYLE="border: windowtext 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; text-decoration: underline; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Option
    Awards</FONT></TD>
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; text-decoration: underline; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Stock
    Awards</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Name</FONT></TD>
    <TD STYLE="width: 18%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Number
        of</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Shares
        Acquired</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>on
        Exercise</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(#)</FONT></P></TD>
    <TD STYLE="width: 17%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Value
        Realized</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>on
        Exercise</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">($)</FONT></P></TD>
    <TD STYLE="width: 19%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Number
        of</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Shares
        Acquired</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>on
        Vesting</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(#)<SUP>(1)</SUP></FONT></P></TD>
    <TD STYLE="width: 18%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Value
        Realized</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>on
        Vesting</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">($)<SUP>(2)</SUP></FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Gregory
    E. Murphy</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">10,362</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">61,706</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">49,450</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,101,948</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Dale A.
    Thatcher</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">16,523</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">368,215</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Michael
    H. Lanza</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">11,034</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">245,901</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John J.
    Marchioni</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">8,683</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">193,520</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ronald
    J. Zaleski</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">9,638</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">59,471</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">13,388</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">298,345</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;<SUP>&nbsp;</SUP></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 8pt"><SUP>(1) </SUP>Amounts
in this column include performance-based restricted stock units that vested in 2011 as well as performance-based cash incentive
units paid in 2011. The amounts reflected in the table attributable to performance-based restricted stock units are as follows:
Mr. Murphy, 46,690; Mr. Thatcher, 15,600; Mr. Lanza, 10,418; Mr. Marchioni, 8,198; and Mr. Zaleski, 12,640. The amounts reflected
in the table attributable to performance-based cash incentive units are as follows: Mr. Murphy, 2,760; Mr. Thatcher, 923; Mr.
Lanza, 616; Mr. Marchioni, 485; and Mr. Zaleski, 748.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 8pt"><SUP>(2) </SUP>Amounts
in this column include the value of performance-based restricted stock units that vested in 2011 as well as the amount paid for
performance-based cash incentive units in 2011. The amounts reflected in the table attributable to performance-based restricted
stock units are as follows: Mr. Murphy, $863,291; Mr. Thatcher, $288,446; Mr. Lanza, $192,635; Mr. Marchioni, $151,582; and Mr.
Zaleski, $233,709. The amounts reflected in the table attributable to performance-based cash incentive units are as follows: Mr.
Murphy, $238,657; Mr. Thatcher, $79,769; Mr. Lanza, $53,266; Mr. Marchioni, $41,938; and Mr. Zaleski, $64,636.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_024" TITLE="pention"></A>Pension Benefits</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">SICA maintains a tax qualified non-contributory defined benefit
pension plan, the Retirement Income Plan. Most SICA employees, including the NEOs and certain former employees whose employment
commenced on or before December 31, 2005, are eligible to receive benefits under the Retirement Income Plan. SICA also maintains
the unfunded Selective Insurance Supplemental Pension Plan (&ldquo;SERP&rdquo;), as permitted under the Employee Retirement Income
Security Act of 1974, as amended (&ldquo;ERISA&rdquo;), to provide payments to certain executives and other participants in the
Retirement Income Plan equal to the difference between: (i) the benefit payment to a participant under the Retirement Income Plan
calculated without regard to ERISA and Internal Revenue Code limitations on annual amounts payable under the Retirement Income
Plan; and (ii) the benefit payable to the participant pursuant to such limitations.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Retirement Income Plan was amended as of July 1, 2002 to
provide for different calculations based on age and company service as of that date. Monthly benefits payable at normal retirement
age under the Retirement Income Plan and SERP are computed as follows. Defined terms used in this section, but not defined in this
Proxy Statement, have the meanings given to them in the Retirement Income Plan.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">1.</TD><TD>If a participant: (i) attained age 50 and completed five years of vesting service on or before July 1, 2002, or (ii) completed
at least 25 years of vesting service on or before July 1, 2002, a participant&rsquo;s benefit is equal to 2% of Average Monthly
Compensation, minus 1 3/7% of Primary Social Security Benefits multiplied by years of Benefit Service (up to 35 years), reduced
by the annuity contract issued by the AXA Equitable Life Insurance Company (&ldquo;Equitable&rdquo;) purchased under a prior terminated
defined benefit pension plan.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">2.</TD><TD>If a participant: (i) completed at least five years of Vesting Service; and (ii) the sum of a participant&rsquo;s age and Vesting
Service is 55 or more, a participant&rsquo;s benefit is equal to the sum of: (a) 2% of Average Monthly Compensation, less 1 3/7%
of Primary Social Security benefit multiplied by the number of years of Benefit Service through June 30, 2002 (up to 35 years)
reduced by the monthly amount, if any, of retirement annuity payable under the group annuity contract issued by Equitable that
was purchased under a prior terminated defined benefit pension plan, based on Benefit Service as of June 30, 2002, but including
compensation earned after such date; and (b) 1.2% of Average Monthly Compensation multiplied by the number of years of Benefit
Service after June 30, 2002.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">3.</TD><TD>If a participant first became eligible for the plan before July 1, 2002, but did not qualify for either 1 or 2 above, the participant&rsquo;s
benefit is equal to the greater of: (i) the benefit accrued as of June 30, 2002 equal to 2% of Average Monthly Compensation less
1 3/7% of Primary Social Security Benefit multiplied by years of Benefit Service reduced by the monthly amount, if any of retirement
annuity payable under the group annuity contract issued by Equitable that was purchased under a prior terminated defined benefit
pension plan, based on Benefit Service as of June 30, 2002, but including compensation earned after such date for purposes of determining
the participant&rsquo;s Average Monthly compensation; and (ii) 1.2% of Average Monthly Compensation multiplied by years of Benefit
Service.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">4.</TD><TD>If a participant first became a participant in the plan after July 1, 2002, the benefit is equal to 1.2% of Average Monthly
Compensation multiplied by years of Benefit Service.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The earliest retirement age is 55 with 10 years of service or
the attainment of 70 points (age plus years of service). If a participant chooses to begin receiving benefits before his or her
65<SUP>th</SUP> birthday, the amount of the monthly benefit will be reduced as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By 1/180<SUP>th</SUP> for each complete calendar month for the first
60 months by which the first early retirement benefit payment precedes the attainment of Normal Retirement Age (age 65);</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By 1/360<SUP>th</SUP> for each complete calendar month for the next
60 months by which the first early retirement benefit payments precede Normal Retirement Age; and </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<!-- Field: Page; Sequence: 9; Value: 38 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"><TR><TD STYLE="text-align: center; width: 100%">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->46<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By 40% plus 1/600<SUP>th</SUP> per month for each month prior to age
55.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">At retirement, participants receive monthly pension payments.
There are four optional forms of payments that can be chosen as alternatives to the normal form of payment, which for a married
participant is an automatic 50% joint and surviving spouse annuity, and for an unmarried participant is a single life annuity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table shows information regarding the pension
benefits of our NEOs:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 17%; border: windowtext 1pt solid; text-decoration: underline; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Name</FONT></TD>
    <TD STYLE="width: 12%; border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Early</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Retirement</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Eligible</U></FONT></P></TD>
    <TD STYLE="width: 22%; border: windowtext 1pt solid; text-decoration: underline; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Plan
    Name</FONT></TD>
    <TD STYLE="width: 14%; border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Number
        of</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Years
        Credited</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Service</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>(#)<SUP>(1)</SUP></U></FONT></P></TD>
    <TD STYLE="width: 17%; border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Present
        Value of</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Accumulated</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Benefit</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>($)<SUP>(2)</SUP></U></FONT></P></TD>
    <TD STYLE="width: 18%; border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Payments</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>During
        Last</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Fiscal
        Year</U></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>($)</U></FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD NOWRAP STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Gregory
    E. Murphy</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Retirement
    Income Plan</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">30.58</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">877,331</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">SERP</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">30.58</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2,729,431</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Dale A.
    Thatcher</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Retirement
    Income Plan</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">10.67</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">169,874</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">SERP</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">10.67</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">162,046</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Michael
    H. Lanza</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Retirement
    Income Plan</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">6.42</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">100,046</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">SERP</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">6.42</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">78,163</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John J.
    Marchioni</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Retirement
    Income Plan</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">13.00</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">139,579</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">SERP</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">13.00</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">64,331</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ronald
    J. Zaleski</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yes</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Retirement
    Income Plan</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">11.25</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">249,531</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">SERP</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">11.25</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">165,391</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;<SUP>&nbsp;</SUP></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(1)</SUP> The Retirement Income
Plan imposes a one-year waiting period for plan participation, which year is not included in years of credited service.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(2)</SUP> Present value as
of December 31, 2011 is calculated on the basis of Normal Retirement Age of 65. A 5.16% discount rate is applied and the 2012
Static Mortality Table is used to calculate the values indicated. For further discussion, see Item 8. Financial Statements and
Supplementary Data, Note 16(c), Retirement Plans, in Selective&rsquo;s Annual Report on Form 10-K for the year ended December
31, 2011.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_025" TITLE="nonquali"></A>Nonqualified Deferred Compensation</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Deferred Compensation Plan allows participants to defer
receipt of up to 50% of base salary and up to 90% of their ACIP payments. Participant accounts are credited with a notional rate
of return (positive or negative) based on the performance of investment options selected by the participant from a menu of investment
options. Participants can elect to schedule in-service withdrawals or withdrawals at separation of service.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">SICA makes matching contributions to a participant&rsquo;s Deferred
Compensation Plan account to supplement matching contributions under the Retirement Savings Plan. For 2011, such matching contributions
consisted of 100% of the first 3% of base salary and 50% of the next 3% of base salary deferred to the Retirement Savings Plan
and the Deferred Compensation Plan, minus any matching contribution made to a participant&rsquo;s Retirement Savings Plan account.
In addition, effective January 1, 2010, the Deferred Compensation Plan was amended for participants ineligible to participate in
the Retirement Income Plan to provide a non-elective contribution to the extent not made to a participant&rsquo;s Retirement Savings
Plan account due to the limitations under the Internal Revenue Code and the Retirement Savings Plan. The non-elective contribution
is equal to 4% of base salary, minus any non-elective contribution made to the Retirement Savings Plan. None of the NEOs are eligible
for this non-elective contribution.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table shows information regarding nonqualified
deferred compensation of our NEOs:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B></B></P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 24%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Name</FONT></TD>
    <TD STYLE="width: 13%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Executive<BR>
    Contributions<BR>
    &nbsp;in&nbsp;2011<BR>
    </U>($)<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="width: 15%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Company<BR>
    Contributions&nbsp;in<BR>
    2011<BR>
    </U>($)<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="width: 15%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Aggregate&nbsp;<BR>
    Earnings&nbsp;in&nbsp;2011<BR>
    </U>($)<SUP>(3)</SUP></FONT></TD>
    <TD STYLE="width: 17%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Aggregate<BR>
    Withdrawals/<BR>
    Distributions<BR>
    </U>($)</FONT></TD>
    <TD STYLE="width: 16%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Aggregate&nbsp;Balance<BR>
    at&nbsp;December&nbsp;31,<BR>
    2011<BR>
    </U>($)<SUP>(4)</SUP></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Gregory
    E. Murphy</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">45,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">29,475</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(9,013)</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,053,596</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Dale A.
    Thatcher</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">49,712</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">11,475</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">6,241</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">450,286</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Michael
    H. Lanza</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">13,448</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">9,225</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(6,089)</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">85,629</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John J.
    Marchioni</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">20,962</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">8,100</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(876)</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">117,363</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ronald
    J. Zaleski</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">97,327</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">7,650</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(62,937)</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; vertical-align: top; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2,013,520</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;<SUP>&nbsp;</SUP></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(1)</SUP> Amounts in this
column are attributable to 2011 salary deferred by Messrs. Murphy, Thatcher, Lanza, and Marchioni, and are included in the Salary
column of the Summary Compensation Table. Of the amount in this column for Mr. Zaleski, $41,327 is attributable to 2011 salary
deferred, which is included in the Salary column of the Summary Compensation Table, and $56,000 is attributable to the deferral
of a portion of his ACIP and discretionary cash bonus, which is included in the amount reported for 2011 in the Non-Equity Incentive
Plan Compensation and Bonus columns of the Summary Compensation Table.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(2)</SUP> All amounts in this
column are included in the All Other Compensation column of the Summary Compensation Table.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(3)</SUP> Amounts in this
column are not included in the Summary Compensation Table because such earnings are not above market earnings.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(4)</SUP> Amounts in this
column include the following aggregate contributions of the NEOs and SICA to the Deferred Compensation Plan in 2011, which amounts
are included in the Summary Compensation Table:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 8pt Symbol">&middot;</FONT></TD><TD><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">For
                                                                                                            2009: Mr. Murphy,
                                                                                                            $87,877; Mr. Thatcher,
                                                                                                            $61,046; Mr. Lanza,
                                                                                                            $22,361; Mr. Marchioni,
                                                                                                            $25,730; and Mr. Zaleski,
                                                                                                            $141,538.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 8pt Symbol">&middot;</FONT></TD><TD><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">For
                                                                                                            2010: Mr. Murphy,
                                                                                                            $84,225; Mr. Thatcher,
                                                                                                            $58,388; Mr. Lanza,
                                                                                                            $21,532; Mr. Marchioni,
                                                                                                            $25,138; and Mr. Zaleski,
                                                                                                            $105,600.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 8pt Symbol">&middot;</FONT></TD><TD><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">For
                                                                                                            2011: Mr. Murphy,
                                                                                                            $74,475; Mr. Thatcher,
                                                                                                            $61,187; Mr. Lanza,
                                                                                                            $22,673; Mr. Marchioni,
                                                                                                            $29,062; and Mr. Zaleski,
                                                                                                            $104,977.</FONT></TD></TR></TABLE>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_026" TITLE="employee"></A>Employment Agreements and Potential
Payments upon Termination or Change of Control</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">SICA entered into amended employment agreements (collectively,
the &ldquo;Employment Agreements&rdquo;) with the NEOs, as of December 23, 2008. The following table summarizes the principal provisions
of the Employment Agreements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 25%; border: windowtext 1pt solid; padding-top: 2pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Term</FONT></TD>
    <TD STYLE="width: 75%; border: windowtext 1pt solid; padding-top: 2pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Continuation
    of the prior agreements&rsquo; initial three-year term, automatically renewed for additional one-year periods unless terminated
    by either party with written notice.<SUP>(1)</SUP></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-top: 2pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Compensation</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 2pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Base
    salary.<SUP>(2)</SUP></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-top: 2pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Benefits</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 2pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Eligible
    to participate in incentive compensation plan, stock plan, 401(k) plan, defined benefit pension plan and any other stock option,
    stock appreciation right, stock bonus, pension, group insurance, retirement, profit sharing, medical, disability, accident,
    life insurance, relocation plan or policy, or any other plan, program, policy or arrangement of Selective or SICA intended
    to benefit SICA&rsquo;s employees generally.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-top: 2pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vacation
    and Reimbursements</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 2pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vacation
    time and reimbursements for ordinary travel and entertainment expenses in accordance with SICA&rsquo;s policies.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-top: 2pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Perquisites</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 2pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Suitable
    offices, secretarial and other services, and other perquisites to which other executives of SICA are generally entitled.</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 25%; border: windowtext 1pt solid; padding-top: 2pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Severance
    and Benefits on Termination without Change in Control</FONT></TD>
    <TD STYLE="width: 75%; border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>For
        Cause or Resignation by NEO other than for Good Reason</U>: Salary and benefits accrued through termination date.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Death
        or Disability</U>: Multiple<SUP>(3)</SUP> of: (i) NEOs salary; plus (ii) average of three most recent annual cash incentive payments;
        provided that any such severance payments be reduced by life or disability insurance payments under policies with respect to which
        SICA paid premiums, paid in 12 equal installments.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Without
        Cause by SICA, Relocation of Office over 50 Miles (without NEOs consent), Resignation for Good Reason by CEO</U>:</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 53.1pt; text-indent: -0.25in">o&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Multiple<SUP>(3)</SUP>
        of: (i) NEOs salary; plus (ii) average of three most recent annual cash incentive payments paid in 12 equal installments.</P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 53.1pt; text-indent: -0.25in">o&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Medical, dental,
        vision, disability, and life insurance coverage in effect for NEO and dependents until the earlier of specified period of months<SUP>(4)</SUP>
        following termination or commencement of equivalent benefits from a new employer.</P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>Stock
        Awards</U>: Except for termination for Cause or resignation by the NEO other than for relocation of office over 50 miles (without
        NEOs consent), immediate vesting and possible extended exercise period, as applicable, for any previously granted stock options,
        stock appreciation rights, cash incentive units, restricted stock, restricted stock units, and stock bonuses. Such immediate vesting
        and possible extended exercise periods shall also apply to a resignation by the CEO for Good Reason</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-top: 2pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Severance
    and Benefits on Termination after Change in Control</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For termination without Cause or resignation for Good Reason
        by (A) CEO at any time or (B) other NEO within two years following a Change in Control (as defined in the Employment Agreement),
        NEO is entitled to:</P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Severance
        payment equal to multiple<SUP>(5)</SUP> of the greater of: (i) NEOs salary plus target annual cash incentive payment; or (ii) NEOs
        salary plus the average of NEOs annual cash incentive payments for the three calendar years prior to the calendar year in which
        the termination occurs, paid in lump sum.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Medical,
        dental, vision, disability, and life insurance coverage in effect for NEO and dependents until the earlier of period of months<SUP>(6)</SUP>
        following termination or commencement of equivalent benefits from a new employer.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Stock
        awards, same as above, except that the initial number of cash incentive units is multiplied by 150%.</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Tax
        gross-up payment, if necessary, to offset any excise tax imposed on NEO for such payments or benefits.</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Release;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Confidentiality
        and</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Non-Solicitation</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.1pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Receipt
        of severance payments and benefits conditioned upon:</FONT></P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">o&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Entry into release
        of claims; and</P>
        <P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">o&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No disclosure of
        confidential or proprietary information or solicitation of employees to leave Selective or its subsidiaries for a period of two
        years following the termination of the Employment Agreement.</P></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>&nbsp;</SUP></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(1)</SUP> The Employment Agreements
automatically renewed for additional one-year periods on April 25, 2011 for Mr. Murphy, on July 26, 2011 for Mr. Lanza, and on
July 31, 2011 for Messrs. Thatcher, Marchioni, and Zaleski.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(2)</SUP> As of February 27,
2012, the annual base salaries for the NEOs were as follows: Mr. Murphy, $900,000; Mr. Thatcher, $515,000; Mr. Lanza, $465,000;
Mr. Marchioni, $475,000; and Mr. Zaleski, $425,000.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(3)</SUP> For Mr. Murphy the
multiple is 2 and for Messrs. Thatcher, Lanza, Marchioni, and Zaleski the multiple is 1.5.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(4)</SUP> For Mr. Murphy the
period is 24 months and for Messrs. Thatcher, Lanza, Marchioni, and Zaleski the period is 18 months.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>&nbsp;</SUP></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(5)</SUP> For Mr. Murphy the
multiple is 2.99 and for Messrs. Thatcher, Lanza, Marchioni, and Zaleski the multiple is 2.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(6)</SUP> For Mr. Murphy the
period is 36 months; and for Messrs. Thatcher, Lanza, Marchioni, and Zaleski the period is 24 months.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT>&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table shows information regarding payments and
benefits to which our NEOs would be entitled under the scenarios shown as of December 31, 2011:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 17%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Name</FONT></TD>
    <TD STYLE="width: 14%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Resignation<SUP>(1)<BR>
    </SUP>or&nbsp;Termination<BR>
    For&nbsp;Cause&nbsp;($)</FONT></TD>
    <TD STYLE="width: 14%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Retirement<BR>
    ($)<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="width: 14%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Death&nbsp;or<BR>
    Disability<BR>
    ($)<SUP>(3)</SUP></FONT></TD>
    <TD STYLE="width: 24%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Termination&nbsp;without<BR>
    Cause&nbsp;or&nbsp;Resignation<BR>
    with&nbsp;Good&nbsp;Reason&nbsp;($)<SUP>(4)</SUP></FONT></TD>
    <TD STYLE="width: 17%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Change&nbsp;in&nbsp;Control<BR>
    ($)<SUP>(5)</SUP></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Gregory
    E. Murphy</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">-</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">4,213,329</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">7,113,329</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">7,132,233</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">16,208,118</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Dale A.
    Thatcher</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">-</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,481,024</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2,651,674</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2,665,851</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">4,908,973</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Michael
    H. Lanza</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">-</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,300,198</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2,296,948</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2,316,021</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">4,475,787</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John J.
    Marchioni</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">-</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,368,071</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2,388,721</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2,407,344</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">4,602,171</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ronald
    J. Zaleski</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">-</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1,300,198</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2,243,948</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2,261,534</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">4,267,583</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;<SUP>&nbsp;</SUP></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(1)</SUP> Other than a resignation
for Good Reason.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(2)</SUP> This column includes
the value of unvested performance-based restricted stock units granted under the Omnibus Stock Plan and any related accrued DEUs.
These awards would normally vest upon: (i) retirement or continuation in service through the end of the applicable performance
period; and (ii) the achievement of the specified performance goals applicable to each such award, and be payable following the
end of the applicable three-year performance period. Also included in this column is the value of performance-based cash incentive
units awarded under the Cash Incentive Plan to the NEOs. The value of such awards is calculated using: (i) the target 100% unit
multiplier for the number of cash incentive units granted; and (ii) the per unit value at December 31, 2011. Under the Cash Incentive
Plan, participants&rsquo; awards, including the NEOs&rsquo; awards, would fully vest upon retirement or continuation in service
through the end of the payment date and be payable following the end of the applicable three-year performance period. Also included
in this column is the intrinsic value of unvested stock options as of December 31, 2011. The value of such awards is calculated
using the difference of the closing selling price of Selective common stock as of December 31, 2011 and the stock option&rsquo;s
exercise price.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(3)</SUP> This column includes
the value of unvested performance-based restricted stock units granted under the Omnibus Stock Plan and any related accrued DEUs.
In the event of total disability, these awards would normally vest for all participants, including the NEOs, upon the achievement
of the specified performance goals applicable to each such award, and be payable following the end of the applicable three-year
performance period. In the event of death, the awards are immediately vested and payable for all participants, including the NEOs.
Also included in this column is the value of performance-based cash incentive units awarded under the Cash Incentive Plan to the
NEOs. The value of such awards is calculated using: (i) the target 100% unit multiplier for the number of cash incentive units
granted; and (ii) the per unit value at December 31, 2011. Under the Cash Incentive Plan, participants&rsquo; awards, in the event
of total disability, including the NEOs&rsquo; awards, would fully vest and be payable following the end of the applicable three-year
performance period. Also included in this column is the intrinsic value of unvested stock options as of December 31, 2011. The
value of such awards is calculated using the difference of the closing selling price of Selective common stock as of December
31, 2011 and the stock option&rsquo;s exercise price. This column also includes the severance payment provided for in each NEO&rsquo;s
Employment Agreement. Payments in this column will be reduced by life or disability insurance payments under policies with respect
to which SICA paid premiums.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(4)</SUP> This column includes
the value of unvested performance-based restricted stock units granted under the Omnibus Stock Plan and any related accrued DEUs.
These awards would normally vest upon: (i) a termination without Cause or Resignation for Good Reason; and (ii) the achievement
of the specified performance goals applicable to each such award, and be payable following the end of the applicable three-year
performance period. Also included in this column is the value of performance-based cash incentive units awarded under the Cash
Incentive Plan to the NEOs. The value is calculated using: (i) the target 100% unit multiplier for the number of cash incentive
units granted; and (ii) the per unit value at December 31, 2011. The awards would fully vest and be payable following the end
of the applicable three-year performance period. Also included in this column is the intrinsic value of unvested stock options
as of December 31, 2011. The value of such awards is calculated using the difference of the closing selling price of Selective
common stock as of December 31, 2011 and the stock option&rsquo;s exercise price. Also included in this column are the severance
payment and the value of medical, dental, vision, disability, and life insurance coverage, all as provided for in each NEOs Employment
Agreement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(5)</SUP> This column includes
the value of unvested performance-based restricted stock units granted under the Omnibus Stock Plan and any related accrued DEUs,
which would immediately vest and be payable for all participants upon a change in control, including the NEOs. This column also
includes the value of performance-based cash incentive units awarded under the Cash Incentive Plan to the NEOs, all of which would
vest upon a change in control for any participant, including the NEOs, holding such awards under such plans. The value of such
awards is calculated using: (i) a 150% per unit multiplier; and (ii) the per unit value at December 31, 2011. Also included in
this column is the intrinsic value of unvested stock options as of December 31, 2011. The value of such awards is calculated using
the difference of the closing selling price of Selective common stock as of December 31, 2011 and the stock option&rsquo;s exercise
price. Also included in this column are the severance payment and the value of medical, dental, vision, disability, and life insurance
coverage, all as provided for in each NEOs Employment Agreement. This column also includes the value of any tax gross-up payment
necessary to offset any excise tax imposed for the payment and benefits disclosed in this column.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_027" TITLE="director"></A>DIRECTOR COMPENSATION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table shows compensation earned or paid to our
non-employee directors during 2011 (employee directors do not receive compensation for serving on the Board):</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 80%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 34%; border: windowtext 1pt solid; text-align: center"><U>Name</U></TD>
    <TD STYLE="width: 22%; vertical-align: top; border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Fees Earned or<BR>
        Paid in Cash</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>($)</U></P></TD>
    <TD STYLE="width: 25%; vertical-align: top; border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Stock Awards</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>($)<SUP>(1)</SUP></U></P></TD>
    <TD STYLE="width: 19%; vertical-align: top; border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Total</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>($)</U></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid">Paul D. Bauer</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">82,500</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">65,003</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">147,503</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid">W. Marston Becker</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">19,640</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">0</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">19,640</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid">A. David Brown</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">84,500</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">65,003</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">149,503</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid">John C. Burville</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">67,000</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">65,003</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">132,003</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid">Joan M. Lamm-Tennant</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">54,000</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">65,003</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">119,003</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid"><FONT STYLE="font-size: 10pt">S. Griffin</FONT> McClellan III</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">68,000</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">65,003</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">133,003</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid">Michael J. Morrissey</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">74,000</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">65,003</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">139,003</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid">Cynthia S. Nicholson</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">70,000</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">65,003</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">135,003</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid">Ronald L. O&rsquo;Kelley</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">79,069</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">65,003</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">144,072</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid">William M. Rue</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">63,500</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">65,003</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">128,503</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid">J. Brian Thebault</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">80,000</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">65,003</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right">145,003</TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>&nbsp;</SUP></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(1)</SUP> This column reflects
the aggregate grant date fair value for the 2011 grants of restricted stock units to directors, based on a grant date fair value
of $17.64. The aggregate number of options outstanding at December 31, 2011 for each director was as follows: Mr. Bauer, 62,109;
Ms. Lamm-Tennant and Messrs. Brown, Rue, and Thebault, 56,109; Mr. McClellan, 50,109; Mr. O&rsquo;Kelley, 44,109; Messrs. Becker
and Burville, 38,109; Mr. Morrissey, 14,065; and Ms. Nicholson, 7,953.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table summarizes the types and amounts of compensation
paid to our non-employee directors in 2011:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="width: 80%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 85%; border: windowtext 1pt solid; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Type
    of Compensation</FONT></TD>
    <TD STYLE="width: 15%; border: windowtext 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Amount</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Annual Retainer
    Fee</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$50,000</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Grant Date
    Fair Value of Annual Equity Award</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$65,003</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Board Meeting
    Attendance</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 9.45pt; text-indent: -9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Committee
        Attendance Fee<BR>
        In person</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By
        telephone</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><BR>
        <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,500</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,000</FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Annual
        Chairperson Fee</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 9.45pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Audit
        Committee</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 9.45pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Corporate
        Governance and Nominating Committee</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 9.45pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Finance
        Committee</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 9.45pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Salary
        and Employee Benefits Committee</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$15,000</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$7,500</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$7,500</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$12,500</FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border: windowtext 1pt solid; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Lead Director
    Fee</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$15,000</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="border: windowtext 1pt solid; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Expenses</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Reasonable</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">As the Director Compensation table
shows, in 2011 the non-employee directors received compensation in the forms of restricted stock units and cash for their director
service. The SEBC reviews and approves the compensation for non-employee directors, including the Annual Retainer Fee. The Annual
Retainer Fee was paid in cash in 2011 to make the payment allocation of Selective&rsquo;s director compensation program more consistent
with market practice and help Selective meet the burn rate commitment that it made in its 2010 Proxy Statement. The Annual Retainer
Fee is paid in equal quarterly installments on the second business day following the release of Selective&rsquo;s financial results
for the previous quarter or year, as applicable.</P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">For 2011, the annual equity grant under
Selective&rsquo;s director compensation program was made entirely in restricted stock units granted under the Omnibus Stock Plan
to make the compensation program more consistent with market practice. Committee Attendance Fees and Annual Chairperson Fees were
paid in cash pursuant to the table above.</P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">Under the Selective Insurance Group,
Inc. Non-Employee Directors&rsquo; Deferred Compensation Plan, as amended, non-employee directors may elect by December 20 to defer
their receipt of director compensation to be earned in the following year to a specified future year, the attainment of age 70,
or separation from service as a director.</P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_028" TITLE="committee"></A>COMPENSATION COMMITTEE INTERLOCKS
AND INSIDER PARTICIPATION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">No member of the Salary and Employee Benefits Committee: (i)
was a Selective officer or employee in 2011; (ii) is a former Selective officer; or (iii) entered into any transaction in 2011
requiring disclosure under the section entitled &ldquo;Transactions with Related Persons.&rdquo;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">No Selective executive officer served as a member of the compensation
committee of another entity, or as a director of another entity, one of whose executive officers served on the Salary and Employee
Benefits Committee or as a director of Selective.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_029" TITLE="report"></A>COMPENSATION COMMITTEE REPORT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Salary and Employee Benefits Committee establishes general
executive compensation policies and establishes the salaries and bonuses of Selective&rsquo;s executive officers, including the
Chief Executive Officer. The Salary and Employee Benefits Committee: (i) has reviewed and discussed the Compensation Discussion
and Analysis with management; and (ii) based on this review and discussion recommended to the Board of Directors, and the Board
approved, the inclusion of the Compensation Discussion and Analysis in Selective&rsquo;s Annual Report on Form 10-K for the year
ended December 31, 2011 and this Proxy Statement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Submitted by the Salary and Employee Benefits Committee of Selective&rsquo;s
Board of Directors,</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 50%">J. Brian Thebault, Chairperson</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Paul D. Bauer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>A. David Brown</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>John C. Burville</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Cynthia S. Nicholson</TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 3in; text-indent: 0.5in">&nbsp;&nbsp;<FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">The Compensation Committee
Report does not constitute soliciting material, and shall not be deemed to be filed or incorporated by reference into any other
Selective filing under the Securities Act of 1933, as amended, or the Exchange Act, except to the extent that Selective specifically
incorporates the Compensation Committee Report by reference therein.</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

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    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_030" TITLE="p2"></A>INFORMATION ABOUT PROPOSAL 2</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">As required under the Dodd-Frank Wall Street Reform and Consumer
Protection Act of 2010 (the &ldquo;Dodd-Frank Act&rdquo;), our Board of Directors is providing Selective&rsquo;s stockholders the
opportunity to vote to approve, on an advisory (non-binding) basis, the compensation of our named executive officers disclosed
pursuant to the compensation disclosure rules of the SEC (also referred to as &ldquo;say-on-pay&rdquo;). Although the vote is non-binding,
the Board and the SEBC value the opinions of the stockholders and will consider the outcome of this vote when making future compensation
decisions for named executive officers. In 2011, our stockholders overwhelmingly supported our compensation decisions with over
93% of votes cast voting in favor of our say-on-pay proposal. The Board has determined to provide our stockholders with that opportunity
on an annual basis.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">As discussed in the Compensation Discussion and Analysis section
of this Proxy Statement, our compensation philosophy is designed to seek to attract and retain talented and qualified executives
by paying compensation that is generally targeted at the 50th percentile or greater of total compensation paid by comparable companies
in the property and casualty insurance industry. Our compensation programs are designed to motivate executives to achieve our corporate
objectives and increase stockholder value in both the short and long term. Accordingly, we tie our annual incentive awards to pre-determined
strategic and financial business objectives and individual objectives, and we align our long-term compensation to the generation
of long-term stockholder value.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Stockholders are urged to read this Proxy Statement&rsquo;s
Compensation Discussion and Analysis section, which discusses how our compensation policies and procedures implement our compensation
philosophy. The SEBC and the Board of Directors believe that these policies and procedures are effective in implementing our compensation
philosophy and achieving our goals. The following resolution is being submitted to stockholders for approval at the Annual Meeting
pursuant to Section 14A of the Exchange Act:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;RESOLVED, that the stockholders of Selective Insurance
Group, Inc. (&ldquo;Selective&rdquo;) approve, on an advisory basis, the compensation of Selective&rsquo;s named executive officers
as such compensation is disclosed in this Proxy Statement pursuant to Item 402 of Regulation S-K or any successor thereto.&rdquo;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If a majority of stockholders vote against this proposal, neither
the Board nor the SEBC will be required to take any specific action, because this vote is non-binding and advisory. Nevertheless,
consistent with our record of stockholder responsiveness, the SEBC will consider our stockholders&rsquo; concerns and take them
into account in future determinations concerning our executive compensation programs. The Board of Directors therefore recommends
that you indicate your support for the compensation of our named executive officers as outlined in the above resolution.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">THE BOARD OF DIRECTORS UNANIMOUSLY RECOMMENDS
THAT STOCKHOLDERS VOTE &ldquo;<B><U>FOR</U></B>&rdquo; THE ADVISORY RESOLUTION APPROVING THE COMPENSATION OF OUR NAMED EXECUTIVE
OFFICERS AS DISCLOSED IN THIS PROXY STATEMENT.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_031" TITLE="p3"></A>INFORMATION ABOUT PROPOSAL 3</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Ratification of Appointment of<BR>
Independent Registered Public Accounting Firm</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Audit Committee has appointed KPMG LLP to act as Selective&rsquo;s
independent registered public accounting firm for the fiscal year ending December 31, 2012. The Board of Directors has approved
the appointment and has directed that such appointment be submitted to Selective&rsquo;s stockholders for ratification at the Annual
Meeting.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Stockholder ratification of the appointment of KPMG LLP as Selective&rsquo;s
independent registered public accounting firm is not required. The Board of Directors, however, is submitting the appointment to
the stockholders for ratification as a matter of good corporate practice. If the stockholders do not ratify the appointment, the
Audit Committee and the Board of Directors will reconsider whether to retain KPMG LLP or another firm. Even if the appointment
is ratified, the Board of Directors, in its discretion, may direct the appointment of a different auditing firm at any time during
the 2012 fiscal year if the Board determines that such a change would be in the best interests of Selective and its stockholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Representatives of KPMG LLP are expected to be present at the
Annual Meeting, will have an opportunity to make a statement if they so desire and will be available to respond to appropriate
questions. In 2011, Selective paid KPMG LLP $1,313,000 for audit and audit-related services and $85,000 for non-audit services
provided by KPMG LLP to Selective in 2011.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">THE BOARD OF DIRECTORS UNANIMOUSLY RECOMMENDS
THAT STOCKHOLDERS VOTE &ldquo;<B><U>FOR</U></B>&rdquo; THE RATIFICATION OF THE APPOINTMENT OF KPMG LLP AS OUR INDEPENDENT REGISTERED
PUBLIC ACCOUNTING FIRM FOR THE FISCAL YEAR ENDING DECEMBER 31, 2012.</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_032" TITLE="fees"></A>FEES OF INDEPENDENT REGISTERED PUBLIC
ACCOUNTING FIRM</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">KPMG LLP, Selective&rsquo;s independent registered public accounting
firm, provided services in the following categories and amounts in 2011 and 2010:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 90%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 71%; font-weight: bold"><B>Category</B></TD>
    <TD STYLE="width: 7%; font-weight: bold; text-align: center"><B>2011</B></TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 7%; font-weight: bold; text-align: center"><B>2010</B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD>Audit Fees</TD>
    <TD STYLE="text-align: right">$1,157,000</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$1,172,750</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Audit-Related Fees<SUP>(1)</SUP></TD>
    <TD STYLE="text-align: right">$156,000</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$90,000</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD>Tax Fees</TD>
    <TD STYLE="text-align: right">$0</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$0</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>All Other Fees<SUP>(2)</SUP></TD>
    <TD STYLE="text-align: right">$85,000</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$78,200</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="font-weight: bold"><B>TOTAL</B></TD>
    <TD STYLE="font-weight: bold; text-align: right"><B>$1,398,000</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><B>$1,340,950</B></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>&nbsp;</SUP></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(1)</SUP> Audit-Related Fees
for 2011 consisted primarily of amounts associated with: (i) audits of our benefit plans for 2010; and (ii) an audit of the flood
area of the Insurance Operations. Audit-Related Fees for 2010 consisted primarily of amounts associated with: (i) audits of our
benefit plans for 2009; and (ii) consents.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(2)</SUP> All Other Fees for
2011 and 2010 consisted of the independent actuarial reviews and reserve opinions.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Audit Committee has a pre-approval policy that requires
pre-approval of audit, audit-related, and permitted non-audit services on an annual basis and authorizes the Audit Committee to
delegate to one or more of its members pre-approval authority with respect to permitted services. The Audit Committee delegated
the authority to pre-approve audit, audit-related, and permitted non-audit services by KPMG LLP to the Audit Committee Chairperson,
who is required to report any pre-approvals to the Audit Committee for ratification at its next meeting. In 2011, the Audit Committee
pre-approved 100% of audit, audit-related, and permitted non-audit services and concluded that KPMG LLP&rsquo;s provision of such
services was compatible with the maintenance of KPMG LLP&rsquo;s independence in the conduct of its auditing functions. KPMG LLP
provided no tax services in 2011. Any such future services also would require Audit Committee pre-approval on an individual engagement
basis.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_033" TITLE="audit"></A>AUDIT COMMITTEE REPORT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Audit Committee oversees Selective&rsquo;s financial reporting
processes on behalf of the Board of Directors. Management has the primary responsibility for overseeing preparation of the financial
statements and the overall reporting processes, including the systems of internal controls. In fulfilling its oversight responsibilities,
the Audit Committee has:</P>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 39pt; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Periodically met with and held discussions with management regarding
the quality, not just the acceptability, of the accounting principles, the reasonableness of significant judgments, and the clarity
of disclosures in Selective&rsquo;s financial statements.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 39pt; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Reviewed and discussed the audited financial statements for the year
ended December 31, 2011, included in the Annual Report on Form 10-K, with management, which represented to the Audit Committee
that:&nbsp;&nbsp;(i) the financial statements were prepared in accordance with U.S. generally accepted accounting principles; and
(ii) management had reviewed Selective&rsquo;s disclosure controls and procedures and believes those controls are effective.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 38.9pt; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Reviewed and discussed with KPMG LLP, Selective&rsquo;s independent
registered public accounting firm, which is responsible for expressing an opinion on the conformity of those audited financial
statements in accordance with U.S. generally accepted accounting principles, their judgments as to the quality, not just the acceptability,
of Selective&rsquo;s accounting principles and such other matters as are required to be discussed with the Audit Committee under
Statements of the Public Company Accounting Oversight Board, including the Statement on Auditing Standards No. 61, as amended.</FONT></TD></TR>                                                                                                                                               <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Discussed with KPMG LLP, the independent registered public accounting
firm&rsquo;s independence from Selective and its management, including the matters in the written disclosures and the letter from
the independent accountants delivered to the Audit Committee as required by the applicable requirements of the Public Company Accounting
Oversight Board regarding the independent registered public accounting firm&rsquo;s communications with the Audit Committee concerning
independence.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 39pt; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In reliance on the reviews and discussions referred to above,
the Audit Committee recommended to the Board of Directors, and the Board approved, the inclusion of the audited financial statements
in Selective&rsquo;s Annual Report on Form 10-K for the year ended December 31, 2011.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in">Submitted by the Audit Committee of Selective&rsquo;s
Board of Directors,</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 50%">Paul D. Bauer, Chairperson</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>John C. Burville</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Michael J. Morrissey</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Ronald L. O&rsquo;Kelley</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>J. Brian Thebault</TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 3in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Audit Committee Report does not constitute soliciting material,
and shall not be deemed to be filed or incorporated by reference into any other Selective filing under the Securities Act of 1933,
as amended, or the Exchange Act, except to the extent that Selective specifically incorporates the Audit Committee Report by reference
therein.</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_034" TITLE="nominees"></A>STOCKHOLDER PROPOSALS AND NOMINATIONS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Proposals for Inclusion in 2013 Proxy</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">From time-to-time, stockholders present proposals that may be
proper subjects for inclusion in the proxy statement and for consideration at an annual meeting. Under the rules of the SEC (under
the Exchange Act), stockholder proposals to be included in the proxy statement for the 2013 Annual Meeting of Stockholders must
be received by Selective&rsquo;s Corporate Secretary at 40 Wantage Avenue, Branchville, New Jersey 07890 no later than November
26, 2012.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Other Proposals and Nominations</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Selective&rsquo;s By-Laws require that a stockholder who otherwise
intends to present a proposal outside of Rule 14a-8 under the Exchange Act or to nominate a director must deliver notice to the
Corporate Secretary, in proper written form and in accordance with the requirements of the By-Laws, not less than 120 days nor
more than 150 days prior to the first anniversary of the preceding year&rsquo;s annual meeting. Thus, a notice of a stockholder
proposal for the 2013 Annual Meeting of Stockholders, submitted outside of Rule 14a-8 under the Exchange Act, will be untimely
if received by the Corporate Secretary before November 26, 2012 or after December 26, 2012.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.3in; text-align: center">* * * * * * * *</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">It is important that your shares be represented at the meeting,
regardless of the number of shares that you hold. YOU ARE THEREFORE URGED TO PROMPTLY VOTE YOUR SHARES BY: (1) CALLING THE TOLL-FREE
TELEPHONE NUMBER LISTED ON THE PROXY CARD; (2) ACCESSING THE INTERNET WEBSITE LISTED ON THE PROXY CARD; OR (3) COMPLETING, DATING,
AND SIGNING THE ENCLOSED PROXY CARD AND RETURNING IT IN THE ENCLOSED ENVELOPE. Stockholders who are present at the meeting may
revoke their proxies and vote in person or, if they prefer, may abstain from voting in person and allow their proxies to be voted.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Arial, Helvetica, Sans-Serif; margin: 0pt 0">By Order of the Board of Directors:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><img src="sig2.jpg"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Robyn P. Turner</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Corporate Secretary</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">March 26, 2012</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Branchville, New Jersey</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_035" TITLE="docu"></A>DOCUMENTS INCORPORATED BY REFERENCE</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Information regarding Executive Officers is incorporated by
reference to the section entitled &ldquo;Executive Officers of the Registrant&rdquo; in Part I, Item 1. Business. of Selective&rsquo;s
Annual Report on Form 10-K for the year ended December 31, 2011.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>DIRECTIONS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Selective Insurance Group, Inc.<BR>
</B>Directions to Principal Offices<BR>
40 Wantage Avenue<BR>
Branchville, New Jersey 07890-1000</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><U>From East:</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">Route I-80 West to Route 15 North to Route 206 North.
Go about 2 miles from Route 15/Route 206 intersection, turn right at traffic light, then left on Route 630 (Broad Street). Turn
right at Post Office onto Wantage Avenue (Route 519). 1st entrance on right - Northeast Operations. 2nd entrance on right - Corporate
office/main reception area.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><U>From West:</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">Route I-80 East to Route 94 North to Route 206 North.
Turn right at Branchville traffic light opposite &quot;Our Lady Queen of Peace&quot; Catholic church, then left on Route 630 (Broad
Street). Turn right at Post Office onto Wantage Avenue (Route 519). 1st entrance on right - Northeast Operations. 2nd entrance
on right - Corporate office/main reception area.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>- or -</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">Route I-78 East to Pa. Route 611 North to Route 94
North to Route 206 North. Turn right at Branchville traffic light opposite &quot;Our Lady Queen of Peace&quot; Catholic church,
then left on Route 630 (Broad Street). Turn right at Post Office onto Wantage Avenue (Route 519). 1st entrance on right - Northeast
Operations. 2nd entrance on right - Corporate office/main reception area.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><B>- or -</B>&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">Route I-78 East to Route 31 North to Route 46 West
to Route 94 North to Route 206 North. Turn right at Branchville traffic light opposite &quot;Our Lady Queen of Peace&quot; Catholic
church, then left on Route 630 (Broad Street). Turn right at Post Office onto Wantage Avenue (Route 519). 1st entrance on right
- Northeast Operations. 2nd entrance on right - Corporate office/main reception area.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><U>From North:</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">Route I-84 (East or West) to PA Route 209 South to
Route 206 South. Left at Branchville traffic light opposite &quot;Our Lady Queen of Peace&quot; Catholic church, then turn left
on Route 630 (Broad Street). Turn right at Post Office onto Wantage Avenue (Route 519). 1st entrance on right - Northeast Operations.
2nd entrance on right - Corporate office/main reception area.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><U>From South:</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">Route 206 North or Route I-80 West to Route 15 North
to Route 206 North. Turn right at Branchville traffic light opposite &quot;Our Lady Queen of Peace&quot; Catholic church, then
left on Route 630 (Broad Street). Turn right at Post Office onto Wantage Avenue (Route 519). 1st entrance on right - Northeast
Operations. 2nd entrance on right - Corporate office/main reception area.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="margin: 0">&nbsp;&nbsp;</P>

<P STYLE="margin: 0"><img src="proxy_pg01.jpg"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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)P&`P&`P&!__9
`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
