<SEC-DOCUMENT>0001144204-13-017254.txt : 20130325
<SEC-HEADER>0001144204-13-017254.hdr.sgml : 20130325
<ACCEPTANCE-DATETIME>20130325160241
ACCESSION NUMBER:		0001144204-13-017254
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		6
CONFORMED PERIOD OF REPORT:	20130424
FILED AS OF DATE:		20130325
DATE AS OF CHANGE:		20130325
EFFECTIVENESS DATE:		20130325

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:		13714155

	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>v338053_def14a.htm
<DESCRIPTION>DEF 14A
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>(Rule 14a-101)</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>INFORMATION REQUIRED IN PROXY STATEMENT</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>SCHEDULE 14A INFORMATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, 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: Wingdings">&#168;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%"><FONT STYLE="font: 10pt Wingdings">&#168;</FONT></TD>
    <TD STYLE="width: 97%"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Preliminary proxy statement</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font: 10pt 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><FONT STYLE="font: 10pt Wingdings">x</FONT></TD>
    <TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Definitive Proxy Statement</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Definitive Additional Materials</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Wingdings">&#168;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Soliciting Material Pursuant to &sect;240.14a-12</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, 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">(Name of Person(s) Filing Proxy Statement,
if other than the Registrant)</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Wingdings">x</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">No fee required.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Wingdings">&#168;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font: 10pt 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>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 3%"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">(1)</FONT></TD>
    <TD STYLE="width: 94%"><FONT STYLE="font: 10pt 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>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">(2)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Aggregate number of securities to which transactions applies:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">(3)</FONT></TD>
    <TD><FONT STYLE="font: 10pt 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>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">(4)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Proposed maximum aggregate value of transaction:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">(5)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Total fee paid:</FONT></TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">&#168; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Fee
paid previously with preliminary materials.</FONT></P>
<P STYLE="font: 10pt Wingdings; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">&#168; </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 Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 52%"><IMG SRC="tlogo.jpg" ALT=""></TD>
    <TD STYLE="width: 48%">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Selective Insurance Group, Inc.<BR>
        40 Wantage Avenue<BR>
        Branchville, New Jersey 07890</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(973) 948-3000</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>March 25, 2013</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>NOTICE OF 2013 ANNUAL MEETING OF STOCKHOLDERS</B></P>

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

<P STYLE="font: 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>Wednesday, April 24, 2013</B></P>

<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">The 2013 Annual Meeting of Stockholders of Selective Insurance
Group, Inc. (&ldquo;Selective&rdquo;) will be held at 3:00 PM Eastern Time on Wednesday, April 24, 2013, 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.</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 the meeting, we will ask stockholders to:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; 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"></TD><TD STYLE="width: 0.25in">1.</TD><TD>Elect eleven directors for a one-year term expiring in 2014;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; 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"></TD><TD STYLE="width: 0.25in">2.</TD><TD>Approve a non-binding advisory resolution on the compensation of Selective&rsquo;s named executive officers; and</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; 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"></TD><TD STYLE="width: 0.25in">3.</TD><TD>Ratify the appointment of KPMG LLP as our independent registered public accounting firm for the fiscal year ending December
31, 2013.</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 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 &ldquo;FOR&rdquo; Proposals 2 and 3.</B> These proposals are further described in the 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">Also enclosed is Selective&rsquo;s 2012 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.</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 stockholders of record at the close of business on
Wednesday, March 6, 2013 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 2013 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">Very truly yours,&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><IMG SRC="tsig1.jpg" ALT=""></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><IMG SRC="tsig2.jpg" ALT=""></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>


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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; text-align: center"><B>TABLE OF CONTENTS</B></P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="width: 94%; padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_001"><B>PROXY STATEMENT</B></A></FONT></TD>
    <TD STYLE="width: 6%; text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>1</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_002"><B>GENERAL INFORMATION ABOUT SELECTIVE&rsquo;S ANNUAL MEETING</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>1</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_003"><B>PROPOSALS FOR STOCKHOLDER VOTE AND APPROVAL REQUIREMENTS</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>2</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_004"><B>OTHER MATTERS TO COME BEFORE THE ANNUAL MEETING</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>3</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_005"><B>CAUTIONARY STATEMENTS REGARDING FORWARD-LOOKING INFORMATION</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>3</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_006"><B>VOTING AND PROXY PROCEDURE</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>4</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_007"><B>IMPORTANT NOTICE REGARDING AVAILABILITY OF PROXY MATERIALS FOR THE ANNUAL MEETING OF STOCKHOLDERS TO BE HELD ON WEDNESDAY, APRIL 24, 2013</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>5</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_008"><B>INFORMATION ABOUT PROPOSAL 1</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>5</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_009"><B>SECURITY OWNERSHIP OF MANAGEMENT AND CERTAIN BENEFICIAL OWNERS</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>12</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_010"><B>EXECUTIVE OFFICERS</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>13</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_011"><B>TRANSACTIONS WITH RELATED PERSONS</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>13</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_012"><B>SECTION 16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>15</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_013"><B>CORPORATE GOVERNANCE</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>15</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_014"><B>BOARD MEETINGS AND COMMITTEES</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>16</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_015"><B>RISK MANAGEMENT</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>19</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_016"><B>STOCKHOLDER COMMUNICATIONS</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>21</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_017"><B>CODE OF CONDUCT</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>21</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_018"><B>EXECUTIVE COMPENSATION</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>22</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_019"><B>COMPENSATION DISCUSSION AND ANALYSIS</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>22</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_020"><B>SUMMARY COMPENSATION TABLE</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>42</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_021"><B>GRANTS OF PLAN-BASED AWARDS</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>44</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_022"><B>OUTSTANDING EQUITY AWARDS AT FISCAL YEAR END</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>45</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_023"><B>OPTION EXERCISES AND STOCK VESTED</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>46</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_024"><B>PENSION BENEFITS</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>47</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_025"><B>NONQUALIFIED DEFERRED COMPENSATION</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>48</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_026"><B>EMPLOYMENT AGREEMENTS AND POTENTIAL PAYMENTS UPON TERMINATION OR CHANGE IN CONTROL</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>49</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_027"><B>DIRECTOR COMPENSATION</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>52</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_028"><B>COMPENSATION COMMITTEE INTERLOCKS AND INSIDER PARTICIPATION</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>53</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_029"><B>COMPENSATION COMMITTEE REPORT</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>53</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_030"><B>INFORMATION ABOUT PROPOSAL 2</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>54</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_031"><B>INFORMATION ABOUT PROPOSAL 3</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>55</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_032"><B>FEES OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>55</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_033"><B>AUDIT COMMITTEE REPORT</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>56</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_034"><B>STOCKHOLDER PROPOSALS AND NOMINATIONS</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>57</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 0.1in; text-indent: -0.1in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><A HREF="#a_035"><B>DOCUMENTS INCORPORATED BY REFERENCE</B></A></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>57</B></FONT></TD></TR>
</TABLE>


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

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

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


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<P STYLE="font: 10pt Times New Roman, Times, 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_001"></A>PROXY STATEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>FOR THE 2013 ANNUAL MEETING OF STOCKHOLDERS
</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>TO BE HELD WEDNESDAY, APRIL 24, 2013</B></P>

<P STYLE="font: 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_002"></A>GENERAL INFORMATION ABOUT SELECTIVE&rsquo;S
ANNUAL MEETING</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"><U>WHEN AND WHERE IS THE ANNUAL MEETING?</U></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 2013 Annual Meeting of Stockholders (the &ldquo;Annual Meeting&rdquo;)
of Selective Insurance Group, Inc. (&ldquo;Selective&rdquo;) will be held on Wednesday, April 24, 2013, 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.</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>WHEN WAS THIS PROXY STATEMENT MAILED?</U></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 Proxy Statement and proxy card are being mailed to Selective
stockholders on or about March 25, 2013.</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>WHO IS ENTITLED TO VOTE AT THE ANNUAL MEETING?</U></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">Anyone who owned Selective common stock as of the close of business
on March 6, 2013 is entitled to one vote per share owned. There were 55,513,921 shares outstanding at the close of business on
that date.</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>WHO IS SOLICITING MY PROXY TO VOTE MY SHARES AND WHEN?</U></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>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, Annabelle G. Bexiga
and Joan M. Lamm-Tennant, 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.</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>WHAT IS THE COST OF SOLICITING PROXIES AND WHO IS PAYING FOR
THE COST?</U></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 is bearing the entire cost of soliciting proxies. Proxies
will be solicited principally through the mail, but may also be solicited personally or in writing, by telephone, e-mail, facsimile,
or otherwise 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.</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>WHAT ARE THE REQUIREMENTS FOR BUSINESS TO BE CONDUCTED AT
THE ANNUAL MEETING?</U></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 business to be conducted at the Annual Meeting, owners of
27,756,961 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.</P>

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


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B></B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><A NAME="a_003"></A><B>PROPOSALS FOR STOCKHOLDER VOTE AND
APPROVAL REQUIREMENTS</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">Management is presenting three proposals for a stockholder
vote.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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">PROPOSAL&nbsp;1.</TD><TD STYLE="text-align: justify"><U>ELECTION OF DIRECTORS</U></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">THE BOARD IS SUBJECT TO ANNUAL ELECTION BY THE STOCKHOLDERS.
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.</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">You can find information about these nominees, Selective&rsquo;s
Board of Directors, its committees, and other related matters beginning on page 5.</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">New Jersey law and Selective&rsquo;s By-Laws govern the vote
on Proposal 1, on which you may:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vote &ldquo;FOR&rdquo; all of the nominees;</FONT></TD></TR></TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vote &ldquo;AGAINST&rdquo; all of the nominees;</FONT></TD></TR></TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</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 CELLSPACING="0" CELLPADDING="0" STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Abstain from voting from all or specific nominees. </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">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 director nominee. In an uncontested election,
any director nominee who does not receive more &ldquo;for&rdquo; than &ldquo;against&rdquo; votes 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.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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">PROPOSAL&nbsp;2.</TD><TD STYLE="text-align: justify"><U>APPROVAL OF NON-BINDING ADVISORY RESOLUTION ON COMPENSATION
OF OUR NAMED EXECUTIVE OFFICERS</U></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">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.</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">New Jersey law and Selective&rsquo;s By-Laws govern the vote
on Proposal 2, on which you may:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vote &ldquo;FOR&rdquo; Proposal 2;</FONT></TD></TR></TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vote &ldquo;AGAINST&rdquo; Proposal 2; or</FONT></TD></TR></TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</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">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.</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">&nbsp;</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">PROPOSAL&nbsp;3.</TD><TD STYLE="text-align: justify"><U>RATIFICATION OF APPOINTMENT OF INDEPENDENT REGISTERED
PUBLIC ACCOUNTING FIRM</U></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">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, 2013.</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">You can find information about Selective&rsquo;s relationship
with KPMG LLP beginning on page 55.</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">New Jersey law and Selective&rsquo;s By-Laws govern the vote
on Proposal 3, on which you may:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, 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">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vote &ldquo;FOR&rdquo; Proposal 3;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, 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">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vote &ldquo;AGAINST&rdquo; Proposal 3; or </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, 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">&#183;</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">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.</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"><A NAME="a_004"></A><B>OTHER MATTERS TO COME BEFORE THE
ANNUAL MEETING</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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.</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 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 Annual Meeting are set forth in Selective&rsquo;s By-Laws.</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"><A NAME="a_005"></A><B>CAUTIONARY STATEMENTS REGARDING FORWARD-LOOKING
INFORMATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This Proxy Statement contains forward-looking statements within
the meaning of the federal securities laws. Forward-looking statements may be identified by words like &quot;anticipate,&quot;
&quot;expect,&quot; &quot;project,&quot; &quot;believe,&quot; &quot;plan,&quot; &quot;may,&quot; &quot;estimate,&quot; &quot;intend&quot;
and other similar words. These forward-looking statements are based on our beliefs, assumptions and estimates using information
available to us at the time and are not intended to be guarantees of future events or performance. Factors that may cause actual
results to differ materially from those contemplated by the statements in this Proxy Statement can be found in our most recent
Annual Report on Form 10-K filed with the SEC and in the Quarterly Report on Form 10-Q we have or will file hereafter under the
heading &quot;Risk Factors&quot; and &quot; Forward-Looking Statements.&quot; Accordingly, you are cautioned not to place undue
reliance on any of our forward-looking statements. We disclaim any intention or obligation to publicly update or revise any forward-looking
statements. This cautionary statement is applicable to all forward-looking statements contained in this document.</P>

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


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    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Times New Roman, Times, 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"><A NAME="a_006"></A><B>VOTING AND PROXY PROCEDURE</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"><U>HOW DO I VOTE?</U></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">You can vote four ways:</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><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 Annual Meeting.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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.</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">2.</TD><TD STYLE="text-align: justify"><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.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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 STYLE="text-align: justify"><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.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 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">4.</TD><TD><U>IN PERSON</U>. Attend the Annual Meeting, or send a personal representative with an appropriate proxy, to vote.</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"><U>HOW DO I REVOKE MY PROXY OR CHANGE MY VOTING INSTRUCTIONS?</U></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">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 submitting 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 23, 2013 will be the vote that is counted, except that you may also change your vote by voting in person 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"><U>HOW WILL PROXIES BE VOTED IF I GIVE MY AUTHORIZATION?</U></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 you properly execute your proxy card 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.</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>HOW WILL VOTES BE COUNTED?</U></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 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.
We believe brokers may exercise their discretionary voting power for Proposal 3.</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">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.</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>WHAT IF MY SHARES ARE NOT REGISTERED IN MY NAME?</U></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 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.</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"><A NAME="a_007"></A><B>IMPORTANT NOTICE REGARDING AVAILABILITY
OF PROXY MATERIALS FOR THE ANNUAL MEETING OF STOCKHOLDERS TO BE HELD ON WEDNESDAY, APRIL 24, 2013</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"><FONT STYLE="font-size: 10pt; font-weight: normal">This
Proxy Statement and our 2012 Annual Report to Stockholders are available on Selective&rsquo;s Internet website at </FONT><I>www.selective.com</I><FONT STYLE="font-weight: normal">.</FONT></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"><FONT STYLE="font-size: 10pt"><A NAME="a_008"></A>INFORMATION
ABOUT PROPOSAL 1</FONT><BR>
Election of Directors</P>

<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">Under our By-Laws, 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 15.</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">All directors stand 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.</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 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.</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>Process for Review and Nomination of Director
Candidates</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">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:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, 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">&#183;</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 Times New Roman, Times, 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">&#183;</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 Times New Roman, Times, 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">&#183;</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;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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 Chairperson of the Corporate Governance
and Nominating Committee, c/o Corporate Secretary, 40 Wantage Avenue, Branchville, New Jersey 07890.</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: 8pt Arial, Helvetica, Sans-Serif"><SUP>1
</SUP>See chart on page 17 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;</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">Regardless of source, the Corporate Governance and Nominating
Committee evaluates all candidates based on, among other things, the following standards:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, 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">&#183;</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 Times New Roman, Times, 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">&#183;</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 Times New Roman, Times, 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">&#183;</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 Times New Roman, Times, 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">&#183;</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 Times New Roman, Times, 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">&#183;</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 Times New Roman, Times, 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">&#183;</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 Times New Roman, Times, 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">&#183;</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 Times New Roman, Times, 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">&#183;</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 Times New Roman, Times, 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">&#183;</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 Times New Roman, Times, 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">&#183;</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">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.</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>Director Nominees</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 family relationships exist between any of Selective&rsquo;s
current directors, executive officers, and persons nominated by Selective to become a director.</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 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 2013 Annual Meeting for terms
expiring at the 2014 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.</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">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.</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-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt 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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Paul D. Bauer</B>, 69</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Independent Director, 1998</P></TD>
    <TD STYLE="width: 72%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Retired
        financial executive.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.15pt; text-indent: -7.15pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.15pt; text-indent: -7.15pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, Rosina Holdings Inc., since 2002.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.15pt; text-indent: -7.15pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, Fluent Energy Corporation, since 2012.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.15pt; text-indent: -7.15pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, Energy Corporation of America, since 2012.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.15pt; text-indent: -7.15pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.15pt; text-indent: -7.15pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.15pt; text-indent: -7.15pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee, Holy Angels Academy, 2005 to 2011.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6pt"><FONT STYLE="font-family: Symbol">&#183; </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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt 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-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Mr. Bauer is the former Chief Financial Officer of a publicly-traded company and served as the Chairman of the Audit Committee for 7 years.&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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Annabelle G. Bexiga</B>, 51</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Independent Director, 2012</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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chief
        Information Officer, Bain Capital, LLC, 2008 to 2010.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Elysian
        Coaching &amp; Consulting, President and Founder, 2007.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Managing Director and Chief Information Officer, JPMorgan Invest,
        LLC, 2003 to 2006.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member,
        CIO Strategy Exchange.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate
        of Seton Hall University (B.Sc.).</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt 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-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Ms. Bexiga has extensive financial services and information technology experience.&nbsp;&nbsp;She was named by Insurance and Technology Magazine as one of the 2011 &ldquo;Elite 8&rdquo; CIOs.&nbsp;&nbsp;Ms. Bexiga is focused on innovative means of using social media to change retail behavior.&nbsp;&nbsp;She is also skilled in leading teams in multi-cultural environments and was certified as an executive coach.&nbsp;&nbsp;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>
</TABLE>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 7.5pt; font-family: Times New Roman, Times, Serif; text-align: center; text-indent: -7.5pt"><FONT STYLE="font: 10pt 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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>A. David Brown</B>, 70</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Independent Director, 1996</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Lead Independent Director, 2009 &ndash; present</P></TD>
    <TD STYLE="width: 72%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Executive Vice President and Chief Administrative Officer, Urban
        Brands, Inc., 2011 to October 2012. 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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Executive Vice President, Human Resources, Urban Brands, Inc., 2009
        to 2011.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, Ashley Stewart Holdings, Inc. since January 2013.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee, Monmouth University.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee, Jackie Robinson Foundation, 2003 to 2011.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate of Monmouth University (B.S.).</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt 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-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Mr. Brown had a long career in human resources, with extensive experience in executive development, recruitment and leadership, employee benefits and compensation, particularly in corporate restructurings.&nbsp;&nbsp;He has run his own business and worked for large corporations.&nbsp;&nbsp;He also has a long commitment to diversity and was the managing director of a search firm specializing in diversity.&nbsp;&nbsp;Mr. Brown has extensive corporate governance experience and has served on several public company boards.&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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>John C. Burville</B>, 65</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Independent Director, 2006</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 Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Insurance
        Consultant to the Bermuda Government, 2003 to 2007.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Bermuda
        Insurance Advisory Committee, 1985 to 2003.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Fellow
        of the Institute of Actuaries.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt 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-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt 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.&nbsp;&nbsp;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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Joan M. Lamm-Tennant</B>, 60</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Independent Director, 1993</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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vice President, Marsh &amp; McLennan Companies, Inc., 2009 to 2011.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Senior Vice President, General Re Corporation, 1997 to 2007.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, IVANS, Inc., since 2004.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, International Insurance Society, since 2011.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member, American Risk and Insurance Association.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member, Association for Investment Management and Research.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate
        of the University of Texas (Ph.D.).</FONT></P></TD></TR>
</TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, 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="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt 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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Discussion of individual experience, qualifications, attributes, and skills.</FONT></TD>
    <TD STYLE="width: 72%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Ms. Lamm-Tennant has extensive insurance industry experience.&nbsp;&nbsp;She is a recognized expert in the fields of enterprise risk management and capital modeling.&nbsp;&nbsp;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.&nbsp;&nbsp;She is active in several industry associations and a finance professor.&nbsp;&nbsp;Ms. Lamm-Tennant is a financial expert and particularly knowledgeable regarding investments and investment strategies.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Michael J. Morrissey</B>, 65</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Independent Director, 2008</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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, CGA Group, Ltd., 1998 to 2009.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chartered Financial Analyst.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member, Association of Insurance and Financial Analysts.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member, New York Society of Securities Analysts.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate of Boston College (B.A.).</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate of Dartmouth College (M.B.A.).</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt 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-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Mr. Morrissey has 40 years of insurance industry experience.&nbsp;&nbsp;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.&nbsp;&nbsp;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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: 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"><B>Gregory E. Murphy</B>,
        57</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.15pt; text-indent: -14.15pt">Employee Director, 1997</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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </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 Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Certified
        Public Accountant (New Jersey) (Inactive).</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee,
        Newton Medical Center Foundation, since 1999.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, Property Casualty Insurers Association of America, since
        2008.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director,
        Insurance Information Institute, since 2000.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee, The Institutes, since 2001.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate
        of Boston College (B.S. Accounting).</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Harvard
        University (Advanced Management Program).</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif; text-indent: 0.9pt"><FONT STYLE="font: 10pt 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-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Mr. Murphy, with 33 years of service at Selective and 14 as Chief Executive Officer, is the Director most knowledgeable about our operations.&nbsp;&nbsp;We consider his service on the Board extremely valuable to informed business and strategic decision-making.&nbsp;&nbsp;He has broad experience and knowledge in the areas of reinsurance, and insurance pricing and industry fundamentals.&nbsp;&nbsp;Mr. Murphy has extensive contacts in the insurance industry and serves as a director or trustee of several important industry groups.&nbsp;&nbsp;He is a Certified Public 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 Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt 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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: 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"><B>Cynthia S. Nicholson</B>,
        48</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.15pt; text-indent: -14.15pt">Independent Director,</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.15pt; text-indent: -14.15pt">2009</P></TD>
    <TD STYLE="width: 72%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Executive Vice President and Chief Marketing Officer, Equinox Holdings,
        Inc., 2010 to November 2012.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Co-Founder,
        Pup To Go, LLC, since 2009.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Advisor,
        <FONT STYLE="color: black">GamesThatGive, Inc., 2010 to 2011.</FONT></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Principal Strategist and Director, <FONT STYLE="color: black">GamesThatGive,
        Inc., 2009 to 2010.</FONT> </FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director,
        Association of National Advertisers, 2006 to 2008.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </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 Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt 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-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Ms. Nicholson is a marketing expert with 24 years of marketing experience in various industries.&nbsp;&nbsp;She served as Chief Marketing Officer at Equinox Holdings, Inc. and Pepsi-Cola North America.&nbsp;&nbsp;Ms. Nicholson has extensive experience with brand building, advertising, media buying, promotions, digital and social media, and direct marketing.&nbsp;&nbsp;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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Ronald L. O&rsquo;Kelley</B>, 68</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Independent Director, 2005</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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate of Duke University (A.B.).</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt 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-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Mr. O&rsquo;Kelley is the former Chief Financial Officer of a large multi-national financial services organization and the Audit Committee&rsquo;s designated financial expert.&nbsp;&nbsp;He has extensive experience in corporate restructurings for both manufacturing organizations and financial institutions.&nbsp;&nbsp;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.&nbsp;&nbsp;He has significant experience as a director of other public companies.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 8.1pt; font-family: Times New Roman, Times, Serif; text-align: center; text-indent: -8.1pt"><FONT STYLE="font: 10pt 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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: 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"><B>William M. Rue</B>, 65</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.15pt; text-indent: -14.15pt">Non-Independent Director,</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.15pt; text-indent: -14.15pt">1977</P></TD>
    <TD STYLE="width: 72%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chairman, Rue Insurance, an insurance agency, since February 2013;
        President and former Executive Vice President, Rue Insurance, 1969 to February 2013.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">President,
        Rue Financial Services, Inc., 2002 to 2012.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, Robert Wood Johnson University Hospital at Hamilton, </FONT><BR>
        <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">since 1994. </FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 8.1pt; text-indent: -8.1pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, Robert Wood Johnson University Hospital Foundation, </FONT><BR>
        <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1999 to 2012. </FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director,
        Robert Wood Johnson Health Care Corp., since 2011.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee,
        Rider University, 1993 to 2012.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member,
        Independent Agents &amp; Brokers Association.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member,
        Society of CPCU. </FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member,
        Professional Insurance Agents Association. </FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Member,
        Management Committee, PL Services, LLC.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">President,
        The Rue Foundation, since 2004.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Symbol">&#183; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Graduate
        of Rider College (B.S.).</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt 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-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Mr. Rue has been one of our independent agents for 44 years, and was the chief executive of his agency for 28 years.&nbsp;&nbsp;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 view 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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>J. Brian Thebault</B>, 61</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Independent Director, 1996</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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Partner, Thebault Associates, since 1987.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chairman, Earth-Thebault, 2007 to 2009.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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 Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Director, Curex Group Holdings LLC, since 2010.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee, The Peck School, 1994 to 2010.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee, The Delbarton School, 1990 to 2007.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.5pt; text-indent: -7.5pt"><FONT STYLE="font-family: Symbol">&#183;
        </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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt 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-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt 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"><B>Board Recommendation</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;<B>&nbsp;</B></P>


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

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><A NAME="a_009"></A><B>SECURITY OWNERSHIP OF MANAGEMENT
AND CERTAIN BENEFICIAL OWNERS</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 as of February 22, 2013:</P>

<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 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 22.</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 number of shares of Selective common stock beneficially owned by
our directors and executive officers as a group.</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 CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="background-color: #D9D9D9">
    <TD ROWSPAN="2" NOWRAP STYLE="border: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Name of Beneficial Owner</FONT></TD>
    <TD COLSPAN="3" NOWRAP STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Number of Shares</FONT></TD>
    <TD ROWSPAN="2" NOWRAP STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Percent of<BR>
 Class</FONT></TD></TR>
<TR STYLE="background-color: #D9D9D9">
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Common Stock<SUP>(1)</SUP></FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Options Exercisable<BR>
 Within 60 Days of<BR>
 February 22, 2013</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Total Shares<BR>
 Beneficially Owned</FONT></TD></TR>
<TR>
    <TD STYLE="width: 31%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Bauer, Paul D.</FONT></TD>
    <TD STYLE="width: 17%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">63,317</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">50,109</FONT></TD>
    <TD STYLE="width: 20%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">113,426</FONT></TD>
    <TD STYLE="width: 13%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">4,100</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: 10pt Arial, Helvetica, Sans-Serif; color: black">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: 10pt Arial, Helvetica, Sans-Serif">4,100</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">41,848</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: 10pt Arial, Helvetica, Sans-Serif; color: black">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: 10pt Arial, Helvetica, Sans-Serif">91,957</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">55,992</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: 10pt Arial, Helvetica, Sans-Serif; color: black">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: 10pt Arial, Helvetica, Sans-Serif">94,101</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">64,640</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: 10pt Arial, Helvetica, Sans-Serif; color: black">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: 10pt Arial, Helvetica, Sans-Serif">120,749</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">61,059</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: 10pt Arial, Helvetica, Sans-Serif; color: black">24,067</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: 10pt Arial, Helvetica, Sans-Serif">85,126</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">77,172</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: 10pt Arial, Helvetica, Sans-Serif; color: black">24,157</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: 10pt Arial, Helvetica, Sans-Serif">101,329</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">14,316</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: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">28,381</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">294,993</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: 10pt Arial, Helvetica, Sans-Serif; color: black">44,067</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: 10pt Arial, Helvetica, Sans-Serif">339,060</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">1%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">14,769</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: 10pt Arial, Helvetica, Sans-Serif; color: black">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: 10pt Arial, Helvetica, Sans-Serif">22,722</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">33,473</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: 10pt Arial, Helvetica, Sans-Serif; color: black">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: 10pt Arial, Helvetica, Sans-Serif">77,582</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">426,469<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: 10pt Arial, Helvetica, Sans-Serif; color: black">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: 10pt Arial, Helvetica, Sans-Serif">476,578</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">1%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">118,729</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: 10pt Arial, Helvetica, Sans-Serif; color: black">34,067</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: 10pt Arial, Helvetica, Sans-Serif">152,796</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">70,946<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: 10pt Arial, Helvetica, Sans-Serif; color: black">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: 10pt Arial, Helvetica, Sans-Serif">127,055</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">88,045</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: 10pt Arial, Helvetica, Sans-Serif; color: black">39,815</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: 10pt Arial, Helvetica, Sans-Serif">127,860</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">*</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">All directors and executive officers, as a group (17 persons)</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: 10pt Arial, Helvetica, Sans-Serif">1,482,912</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: 10pt Arial, Helvetica, Sans-Serif">532,954</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: 10pt Arial, Helvetica, Sans-Serif">2,015,866</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">4%</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -22.3pt">&nbsp;</P>

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

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

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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><SUP>(2)
</SUP>Includes: (i) 39,569 shares held by Chas. E. Rue &amp; Son, Inc. t/a Rue Insurance (&ldquo;Rue Insurance&rdquo;), an independent
insurance</FONT><FONT STYLE="font-size: 8pt"> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">agency of which Mr. Rue
is Chairman and owner of more than a 10% equity interest (see page 13 of this Proxy Statement for more information); and (ii)
5,226 shares held by Mr. Rue&rsquo;s wife.</FONT></FONT></P>

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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt"><SUP>(3)</SUP> Includes: (i) 239
shares held in custody for, and 108 shares held by, the second daughter of Mr. Thebault; and (ii) 108 shares held in custody for
the third daughter of Mr. Thebault.</FONT></P>

<P STYLE="font: 8pt 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">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, 2012,
based on Schedules 13G filed by the beneficial owners on February 1, 2013, February 11, 2013, February 12, 2013, and March 7, 2013,
respectively, with the SEC.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: #D9D9D9">
    <TD NOWRAP STYLE="width: 16%; border: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Title of Class</B></FONT></TD>
    <TD NOWRAP STYLE="width: 40%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Name &amp; Address of Beneficial Owner</B></FONT></TD>
    <TD NOWRAP STYLE="width: 26%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Amount
&amp; Nature of </B></FONT><BR>
<FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Beneficial Ownership</B></FONT></TD>
    <TD NOWRAP STYLE="width: 18%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Percentage of Class</B></FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Common Stock</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">BlackRock, Inc.</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">40 East 52nd Street</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">New York, NY 10022</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">4,871,630 shares</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">of common stock</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">8.86%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Common Stock</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Dimensional Fund Advisors LP</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Palisades West, Building One</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">6300 Bee Cave Road</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Austin, TX 78746</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">4,565,583 shares</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">of common stock</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">8.3%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Common Stock</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">The Vanguard Group, Inc.</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">100 Vanguard Blvd.</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Malvern, PA 19355</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">3,211,556 shares</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">of common stock</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">5.83%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Common Stock</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Columbia Wanger Asset Management, LLC</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">227 West Monroe Street, Suite 3000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Chicago, IL 60606.</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2,799,000 shares</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">of common stock</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">5.1%</FONT></TD></TR>
</TABLE>
<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;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><A NAME="a_010"></A><B>EXECUTIVE OFFICERS</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, 2012.</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"><A NAME="a_011"></A><B>TRANSACTIONS WITH RELATED PERSONS</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"><U>William M. Rue, Director</U>. Mr. Rue owns more than 10% of
the equity and is Chairman of Rue Insurance, an independent insurance agency. Through February 2013, Mr. Rue served as President
of Rue Insurance. Rue Insurance has been an appointed independent agent of Selective&rsquo;s insurance subsidiaries since 1928
and Selective expects that relationship to continue in 2013. 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 2012, Rue Insurance:</P>

<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">Placed insurance policies with Selective&rsquo;s insurance subsidiaries.
Direct premiums written associated with these policies was $7.7 million in 2012. In return, Selective&rsquo;s insurance subsidiaries
paid commissions to Rue Insurance of $1.3 million.</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">Placed insurance coverage for Selective with non-Selective insurance
companies for which Rue Insurance was paid commissions pursuant to its agreements with those carriers.&nbsp;&nbsp;Selective paid
premiums for such insurance coverage of $0.2 million in 2012.</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 additional information regarding Mr. Rue, see page 11.</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>The Selective Insurance 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 2012, 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:</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">$55,650 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. In 2012, the
Selective Foundation agreed to a plan of giving, to be annually renewed, that provides for $50,000 per year for the period of 2013
to 2023, with a potential maximum total contribution of $500,000.</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">$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="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">$25,000 grant to the United Way of Northern New Jersey. Kimberly Burnett,
Executive Vice President of Selective Insurance Company of America (&ldquo;SICA&rdquo;), serves as a member of the Board of Trustees
of the United Way of Northern New Jersey.</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>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></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>Review, Approval, or Ratification of Transactions
with Related Persons</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 has a written Related Person Transactions Policy and
Procedures (the &ldquo;Related Person Policy&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 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.</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 Related Person Policy, the Audit Committee (or Chairperson
of the Audit 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.</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>Director Independence</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 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 13.</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 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. Selective&rsquo;s insurance subsidiaries ended their engagement of Guy Carpenter on September
19, 2011, under which the subsidiaries&rsquo; reinsurance was placed. In 2012, Guy Carpenter returned to the insurance subsidiaries
approximately $34,000 in commissions previously paid to it. Due to the nature of reinsurance treaties, claims activity related
to reinsurance placed through Guy Carpenter prior to the termination of the engagement may result in immaterial amounts of additional
commissions earned by Guy Carpenter on reinstatement premiums paid by the insurance subsidiaries over the next ten years. We use
the services of Marsh subsidiaries other than Guy Carpenter. In 2012, we made aggregate payments totaling approximately $120,000
to subsidiaries of Marsh.</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: (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 Selective; 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.</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"><B><A NAME="a_012"></A>SECTION&nbsp;16(a) BENEFICIAL OWNERSHIP
REPORTING COMPLIANCE</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">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 directors, executive officers, 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 Selective&rsquo;s 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,
2012, were met in a timely manner by its directors, executive officers, and greater than 10% beneficial owners.</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"><A NAME="a_013"></A><B>CORPORATE GOVERNANCE</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>Corporate Governance Guidelines</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 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 2012, Selective&rsquo;s independent directors met four times outside the presence of management.</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">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.</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>Majority Voting for Directors in Uncontested
Elections</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 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 stockholders&rsquo; 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.</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">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
to be 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.</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">&nbsp;&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_014"></A>BOARD MEETINGS AND COMMITTEES</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 Board of Directors held 8 meetings in 2012. All directors
attended 75% or more of the aggregate of the meetings of the Board of Directors and their respective committees in 2012. It is
Selective&rsquo;s policy that all directors are expected to attend the Annual Meeting, and all continuing directors did so in 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">The Board has five standing committees:</P>

<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">Audit Committee;</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">Corporate Governance and Nominating Committee;</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">Executive Committee;</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">Finance Committee; 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">Salary and Employee Benefits Committee.</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">The following provides information on each of the five committees:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Audit Committee</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2012 Meetings:&nbsp;&nbsp;5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><U>Responsibilities:</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Independent</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Ronald L. O&rsquo;Kelley, Chairperson and designated Audit Committee financial expert</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: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Annabelle G. Bexiga</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: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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; text-align: center"><FONT STYLE="font: 10pt 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>

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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 Times New Roman, Times, 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%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; 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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2012 Meetings:&nbsp;&nbsp;5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><U>Responsibilities:</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 17.3pt; text-indent: -17.3pt">&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 17.3pt; text-indent: -17.3pt">&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 17.3pt; text-indent: -17.3pt">&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 17.3pt; text-indent: -17.3pt">&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 17.3pt; text-indent: -17.3pt">&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Make
        a recommendation to the Board concerning 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>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Independent</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Annabelle G. Bexiga</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: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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; text-align: center"><FONT STYLE="font: 10pt 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>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Executive Committee</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">No Charter.&nbsp;&nbsp;Responsibilities defined in By-Laws.&nbsp;&nbsp;</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: 10pt Arial, Helvetica, Sans-Serif">2012 Meetings:&nbsp;&nbsp;1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><U>Responsibilities:</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Director Members:</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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 STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Ronald L. O&rsquo;Kelley</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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 STYLE="font: 10pt Arial, Helvetica, Sans-Serif">J. Brian Thebault </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Michael J. Morrissey</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</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; text-align: center"></P>


<!-- Field: Page; Sequence: 20 -->
    <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 -->17<!-- 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 Times New Roman, Times, 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; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Finance Committee</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2012 Meetings:&nbsp;&nbsp;4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><U>Responsibilities:</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Review
        and approve changes to Selective&rsquo;s investment policies, strategies, and programs.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Appoint
        members of Selective&rsquo;s Management Investment Committee.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Review
        and make recommendations to the Board regarding payment of dividends.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Director Members:</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Michael J. Morrissey, 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 STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Ronald L. O&rsquo;Kelley</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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 STYLE="font: 10pt Arial, Helvetica, Sans-Serif">William M. Rue</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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">&nbsp;</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%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Salary and Employee Benefits Committee</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2012 Meetings:&nbsp;&nbsp;6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><U>Responsibilities:</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Oversee,
        review, and administer 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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt">&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt">&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Review
        annually and approve Selective&rsquo;s compensation strategy for employees.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Review,
        jointly with the Corporate Governance and Nominating Committee, CEO and executive staff succession planning and professional development.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Review
        and approve compensation for non-employee directors.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Review
        the independence and engagement of the independent executive compensation consultant.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.3pt; text-indent: -17.3pt"></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Independent</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Paul D. Bauer, Chairperson</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: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt 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; text-align: center"><FONT STYLE="font: 10pt 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: center"></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 Times New Roman, Times, 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">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><A NAME="a_015"></A><B>RISK MANAGEMENT</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>Board Leadership Structure</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">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.</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 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:</P>

<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">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 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">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 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">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 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">Ensuring that the Chairman, President and CEO understands the Board&rsquo;s
views on all critical matters; and</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 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">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 to
the appropriate committee&rsquo;s attention.</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>Enterprise Risk Management</U></I></B></P>

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

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

<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 Audit Committee, to operational, financial, and compliance risks;</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 Corporate Governance and Nominating Committee, to governance and
certain compliance risk; </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 Finance Committee, to investment risk and associated financial
risk; and</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 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>

<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">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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, its capital modeling results, capital adequacy, risk metrics, and sensitivity analysis. 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.</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 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.</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>Compensation Risk Assessment</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">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:</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 compensation policies and practices for employees 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 segments, which sell property and casualty insurance products, are 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 segments, is subject to, among other things, global economic
risks and risks inherent in the equity markets; and</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 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 significant portion of compensation is awarded on the accomplishment of business objectives that are measured over a three-year
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">We also considered our overall compensation program, 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 features of our compensation program and whether those features
align with our compensation philosophy;</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 compensation program has multiple financial and strategic measures
that balance profitability and growth. 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 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 maximum potential payments under our compensation plans;</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 mix of fixed versus variable compensation;</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 balance between cash and equity compensation;</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 ratio of compensation based on long-term versus short-term performance
metrics; 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" 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">The timing of equity award grants and vesting.</FONT></TD></TR></TABLE>

<P STYLE="margin: 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">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>

<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 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 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 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 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"><A NAME="a_016"></A><B>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"><A NAME="a_017"></A><B>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 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>


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

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

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><A NAME="a_019"></A><B>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>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">The purpose of this Compensation Discussion and Analysis is to
provide relevant information to our stockholders regarding our 2012 compensation program for the following named executive officers
(&ldquo;NEOs&rdquo;):</P>

<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">Gregory E. Murphy, Chairman, President and Chief Executive Officer;</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">Dale A. Thatcher, Executive Vice President and Chief Financial Officer;</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">Michael H. Lanza, Executive Vice President, General Counsel and Chief
Compliance Officer;</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">John J. Marchioni, Executive Vice President, Insurance 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">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 2012 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 2012 Annual Meeting of Stockholders, our stockholders
voted on an advisory basis to approve the compensation of our NEOs as disclosed pursuant to Item 402 of Regulation S-K. Once again,
as they did in 2011, our stockholders overwhelmingly supported our compensation decisions, with approximately 92% 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. Other than establishing an additional alternative funding metric for our executive
officers under our annual cash incentive program, we did not make any material changes in our 2012 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>2012 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: 10pt Arial, Helvetica, Sans-Serif">For both
the industry and Selective, 2012 was significantly impacted by a late season event, Hurricane Sandy, the largest single catastrophe
event in the company&rsquo;s history, which added 2.5 points to our 103.5% overall statutory combined ratio</FONT><SUP>2</SUP><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">.
In total, catastrophe losses added 6.8 points to our overall 2012 statutory combined ratio. In spite of higher catastrophe losses,
we continued to make significant holistic improvements to better position Selective for long-term success. While we cannot ignore
the impact of these catastrophes on our results, a number of positive events occurred in 2012 that we expect to help drive our
results in future market cycles. <FONT STYLE="color: black">Specifically:</FONT></FONT></P>

<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 increased overall net premiums written (&ldquo;NPW&rdquo;) in 2012
by 12% compared to 2011;</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 attained our 15th consecutive quarter of positive standard commercial
lines renewal pure price increases in the fourth quarter of 2012;</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 achieved a 6.3% standard renewal pure price increase, consisting
of a commercial lines renewal pure price increase of 6.2% and a personal lines renewal pure price increase of 6.7%;</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 achieved strong standard retention rates for commercial lines of
82% and personal lines of 86%;</FONT></TD></TR></TABLE>

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

<P STYLE="font: 8pt Symbol; margin: 0pt 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><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 Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

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

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<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 improved our overall statutory combined ratio in 2012 compared to
2011, both inclusive of catastrophe losses (103.5% versus 106.7%) and exclusive of catastrophe losses (97.7% versus 98.4%); </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 successfully integrated our two recently-acquired excess and surplus
(&ldquo;E&amp;S&rdquo;) lines operations; </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; color: black">We generated $7 million in designated Claims Operations
initiatives savings, and are on track to deliver our multi-year three point reduction in claim costs by</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">
year-end 2014, supported by a complex claims unit, sophisticated fraud and recovery predictive models, extensive network renegotiations,
enhanced nurse case management, and a new vendor management program;</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 introduced new products and expanded our underwriting appetite on
existing products;</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 improved our customer experience and branding through the introduction
of a new mobile web application, revised billing notices, customer newsletters and surveys, and expanded television and radio advertising;
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 formed two new insurance company subsidiaries and redomesticated
a third company, which will provide for more pricing flexibility.</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 June 2012, our &ldquo;A+ (Superior)&rdquo; (with a negative
outlook) financial strength rating from A.M. Best Company (&ldquo;A.M. Best&rdquo;), a worldwide insurance rating company, was
downgraded to &ldquo;A (Excellent)&rdquo; (with a stable outlook), due to the impact of an elevated level of catastrophe losses
and a decline in Selective&rsquo;s underwriting and operating performance over the most recent five-year period, relative to both
its own historic performance levels and in comparison to the commercial casualty composite.</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 stock price ended 2012 at $19.27, an increase of 8.7% from
year end 2011, while our total stockholder return (&ldquo;TSR&rdquo;) was 11.9%.</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 2012, 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 correlation between changes in his compensation with changes in Selective&rsquo;s TSR
over the same period. This correlation is consistent with, and reflects our philosophy of, aligning compensation with the interests
of stockholders and both short-term and long-term business objectives.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 87%; 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: 0; padding-left: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 16%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>2009</B></FONT></TD>
    <TD STYLE="width: 15%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>2010</B></FONT></TD>
    <TD STYLE="width: 14%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>2011</B></FONT></TD>
    <TD STYLE="width: 14%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>2012</B></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>CEO Total Compensation* (Salary/ACIP/LTIP)</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">$2,684,631</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">$2,700,087</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">$2,800,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">$3,000,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>$ Change from Prior Year</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">-$465,481</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">$15,456</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">$99,913</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">$200,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>% Change from Prior Year</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">-14.8%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">0.6%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">3.7%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">7.1%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>One-Year TSR</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">-25.7%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">14.0%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">0.8%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">11.9%</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">* Also includes discretionary cash bonus awards for
2009 and 2010.</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"><B><I>&nbsp;</I></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 and non-employee director compensation issues. Representatives
of the Compensation Consultant: (i) review senior executive compensation; (ii) prepare comprehensive competitive compensation analyses
for our NEOs; (iii) make recommendations to the SEBC regarding award metrics, 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">The Compensation Consultant has served the SEBC since April 2007.
The Compensation Consultant&rsquo;s only business with Selective is to advise the SEBC on non-employee director and executive compensation
matters. The SEBC has determined that, in light of the factors set forth in SEC and NASDAQ rules, the services provided by the
Compensation Consultant do not raise a conflict of interest.</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.
Primarily based on information provided by the Compensation Consultant, the SEBC makes all final determinations regarding CEO and
other NEO compensation. The CEO also makes compensation recommendations to the SEBC regarding each of the senior executives who
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, executive 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 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">Base salary;</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">Annual cash incentive program (&ldquo;ACIP&rdquo;) payments;</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">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 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">Discretionary cash bonuses.</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>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;<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 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">Double triggers for payments upon a change in control under employment
agreements;</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">Limited perquisites;</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">Stock ownership and retention requirements;</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">Issuances of only performance-based equity awards to NEOs; 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">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 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">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 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">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 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">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 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">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 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">Benchmark data provided by a third-party vendor for our NEOs against
a group of 49 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 2012, the Compensation Consultant furnished the SEBC with
2012 NEO compensation information from two market reference sources as follows:</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: #D9D9D9">
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-left: 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"><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></TD>
    <TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-left: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B><I><U>Third-party Vendor Surveys</U></I></B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 31%; border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.85pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;The
        Chubb Corporation</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.85pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Cincinnati
        Financial Corporation</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.85pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;CNA
        Financial Corporation</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.85pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;EMC
        Insurance Group Inc.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.85pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;The
Hanover Insurance Group, Inc.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.85pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Harleysville
        Group Inc.</P></TD>
    <TD STYLE="width: 43%; border-top: 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 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Hartford
        Financial Services Group, <BR>
Inc.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Navigators
        Group, Inc.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;OneBeacon
        Insurance Group, Ltd.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;State
        Auto Financial Corporation<SUP>(1)</SUP></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Tower
        Group, Inc.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.45pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;United
        Fire Group, Inc.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;W.
        R. Berkley Corporation</FONT></P></TD>
    <TD STYLE="width: 26%; border-top: windowtext 1pt solid; border-left: black 1pt solid; border-bottom: windowtext 1pt solid; border-right: black 1pt solid; padding-left: 17.1pt; text-indent: -17.1pt"><FONT STYLE="font: 10pt Symbol; color: black">
    &nbsp;&middot;&#9;</FONT><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;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: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>(1) </SUP>State Auto Financial Corporation&rsquo;s compensation
data was included in Selective&rsquo;s 2011 aggregate proxy peer group data but inadvertently omitted from the proxy peers listed
in the Company&rsquo;s 2012 proxy statement.</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">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
our performance in relation to them. The Proxy Peer Group is composed of companies that reflect 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>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In 2012, our aggregate NEO compensation was 6% below the total
average median of the market reference sources, indicating that our total compensation was competitive with the market medians.
The individual elements of our compensation varied as follows: Our long-term awards were 30% below the total average median; base
salary was above the total average median by 7%, and total cash compensation was above the total average median by 30%. The SEBC
felt that the aggregate of each NEO&rsquo;s compensation was appropriate based on the accomplishments and contributions of that
NEO, and the degree of achievement of the company&rsquo;s 2012 goals, while maintaining total compensation below the market medians.</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>2012 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 bonus; 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) versus
long-term incentive compensation (LTIP), and fixed (base salary) versus variable (ACIP 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 2012 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;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: #D8D8D8">
    <TD STYLE="width: 24%; border: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>NEOs</B></FONT></TD>
    <TD STYLE="width: 19%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>2012</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 STYLE="width: 19%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>2012</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 STYLE="width: 19%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>2012</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 Salary)</B></P></TD>
    <TD STYLE="width: 19%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 0; padding-left: 0">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>2012</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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">Gregory E. Murphy</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">27%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">43%</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">30%</FONT></TD>
    <TD NOWRAP STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">70%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">Dale A. Thatcher</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">31%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">33%</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">36%</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">64%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">Michael H. Lanza</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">24%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">36%</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">40%</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">60%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">John J. Marchioni</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">32%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">34%</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">34%</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">66%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">Ronald J. Zaleski</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">23%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">38%</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">39%</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">61%</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;&nbsp;</I></B></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 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 functional role of the position;</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 level of responsibility;</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">Growth of the executive in the role, including skills and competencies;</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 contribution and performance of the executive; 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 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>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">When evaluating 2012 base salaries for our CEO and other NEOs,
the SEBC also considered: (i) our overall results; (ii) the continuing price competition in our industry, including our ability
to obtain favorable and appropriate underwriting rates; and (iii) the continuing struggling economy 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 received a base
salary increase in 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 2012 of between 2% and 12% based on their respective accomplishments and
contributions as described below in the section entitled &ldquo;2012 Compensation Actions for the CEO and the other NEOs.&rdquo;</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 one or more pre-established near-term strategic and/or financial organizational performance goals. For 2012, all
of the NEOs were eligible to participate in the ACIP. 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;). ACIP awards made to our NEOs are intended
to qualify as performance-based compensation under Internal Revenue Code Section 162(m).</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>2012 ACIP Measures for 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 order for the 2012 ACIP awards for executive officers, including
the NEOs, to qualify as performance-based compensation under Internal Revenue Code Section 162(m), the SEBC determined in February
2012 that 2012 ACIP awards for executive officers would be eligible for maximum funding opportunity upon our achievement in 2012
of a single umbrella performance measure; namely positive &ldquo;net income&rdquo; as defined under generally accepted accounting
principles (&ldquo;GAAP&rdquo;). The maximum award opportunity established by the SEBC for each of our NEOs under the umbrella
arrangement is shown below under the section entitled &ldquo;2012 ACIP Payment Opportunities and Awards for NEOs.&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">As we achieved positive net income in 2012, Internal Revenue
Code Section 162(m) requirements were met and the SEBC could pay up to the maximum amount for the 2012 ACIP awards. In its exercise
of negative discretion from these maximum amounts, the SEBC reduced the award payable to each executive officer under the umbrella
arrangement and determined actual ACIP awards for each executive officer, including the NEOs, based on their individual performance
and the degree of achievement of the general corporate financial and strategic performance goals used in determining the funding
of ACIP awards for employees other than executive officers (the &ldquo;Corporate ACIP Measures&rdquo;).</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">The SEBC may also use its discretion to further increase (but
not above the maximum payment opportunity for each NEO under the umbrella arrangement set forth in the table in the section entitled
&ldquo;2012 ACIP Payment Opportunities and Awards for NEOs&rdquo;) or decrease actual awards above or below the amount determined
based on the achievement of the Corporate ACIP Measures and the individual performance of each executive officer in 2012. The SEBC
used its negative discretion to lower the 2012 ACIP payouts below their maximum amounts, and maintained the tax deductibility of
the 2012 ACIP payments.</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 we did not achieve positive &ldquo;net income&rdquo; in 2012,
under the umbrella arrangement the maximum ACIP awards for executive officers would have been determined based entirely on the
degree of achievement of the Corporate ACIP Measures.</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 light of the level of achievement in 2012 of the Corporate
ACIP Measures, as detailed below, all ACIP payments to the NEOs for 2012 were substantially below the respective maximum payment
opportunity for each NEO.</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>2012 Corporate ACIP Measures </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 Corporate ACIP Measures are established to encourage our
employees to remain focused on particular financial and strategic objectives, even in the face of especially challenging circumstances
in a performance year. For 2012, the SEBC determined that the Corporate ACIP funding opportunity would be between 0% and 106% of
target, based on attainment of the Corporate ACIP Measures. Zero percent (0%) to 48% of this target percentage was attributable
to a financial performance goal of achieving a statutory combined ratio of between 98% and 102%, and 0% to 58% of this target percentage
was attributable to the achievement of nine measures related to six strategic initiatives. The SEBC determined that, of the nine
measures, four would have a target value of four percentage points, three would have a target value of eight percentage points,
and two would have a target value of six percentage points. Two of the nine measures also have an additional two percentage point
premium potential for above target performance, and two have an additional one percentage point premium potential, resulting in
a total potential payout of 58 percentage points. The table below reflects total potential Corporate ACIP percentages at various
statutory combined ratio percentages if all nine measures were met and all potential premium points were achieved:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="border: black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 90%">
<TR STYLE="background-color: #D9D9D9">
    <TD ROWSPAN="2" STYLE="padding: 0; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center; text-indent: 0">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Statutory Combined</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Ratio (%)</B></P></TD>
    <TD COLSPAN="3" STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Corporate ACIP Measures</B></FONT></TD></TR>
<TR STYLE="background-color: #D9D9D9">
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Financial (%)</B></FONT></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Performance Goal<BR>
(%)</B></FONT></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Total (%)</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 25%; padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">102</FONT></TD>
    <TD STYLE="width: 25%; padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">0.0</FONT></TD>
    <TD STYLE="width: 25%; padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">58</FONT></TD>
    <TD STYLE="width: 25%; padding: 0; text-align: center; border-bottom: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">58.0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">101</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">12.0</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">58</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">70.0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">100</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">24.0</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">58</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">82.0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">99</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">36.0</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">58</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; border-bottom: Black 1pt solid; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">94.0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; border-right: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">98</FONT></TD>
    <TD STYLE="padding: 0; border-right: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">48.0</FONT></TD>
    <TD STYLE="padding: 0; border-right: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">58</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">106.0</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"><B><I><U>2012 ACIP Performance Measure Results for NEO 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">In 2012, the Company achieved positive net income of $37.9 million,
which satisfied the performance requirement for maximum funding of the ACIP awards for our executive officers, including our NEOs,
under our umbrella arrangement.</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"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>2012 Corporate ACIP Measure 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 2012 Corporate ACIP Measure results are as follows:</P>

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>&nbsp;</I></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; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>2012 Strategic Initiatives</B></FONT></TD>
    <TD STYLE="width: 38%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Measures</B></FONT></TD>
    <TD STYLE="width: 16%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Value</B></FONT></TD>
    <TD STYLE="width: 15%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>2012 Results</B></FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;1.&#9;&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-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Generate a total of $225M of premium in specified standard lines of business.</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: 10pt Arial, Helvetica, Sans-Serif">0-10 pts.</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">Not achieved</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">0 pts</P></TD></TR>
<TR>
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;2.&#9;&nbsp;&nbsp;&nbsp;Pure Rate and Retention</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: 10pt Arial, Helvetica, Sans-Serif">Achieve designated standard commercial lines pure rate target on renewal business.</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: 10pt Arial, Helvetica, Sans-Serif">0-5 pts</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">Achieved</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">5 pts</P></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Achieve designated overall loss improvement from combined rate and retention actions taken on designated standard commercial segments.</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: 10pt Arial, Helvetica, Sans-Serif">0-5 pts</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">Achieved</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">5 pts</P></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Achieve designated standard personal lines rate changes effective in 2012.</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: 10pt Arial, Helvetica, Sans-Serif">0-8 pts</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">Achieved</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">7 pts</P></TD></TR>
<TR>
    <TD ROWSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;3.&#9;&nbsp;&nbsp;&nbsp;E&amp;S Lines Integration</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: 10pt Arial, Helvetica, Sans-Serif">Complete Phase II &ndash; conversion of data infrastructure of MUSIC to Selective environment.</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: 10pt Arial, Helvetica, Sans-Serif">4 pts.</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">Achieved</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">4 pts</P></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Complete Phase III &ndash; Stonecreek enabled to use MUSIC environment and write business on MUSIC paper.</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: 10pt Arial, Helvetica, Sans-Serif">4 pts</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">Achieved</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">4 pts</P></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;4.&#9;&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"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Achieve loss cost savings of $6M on identified projects.</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: 10pt Arial, Helvetica, Sans-Serif">0-10 pts</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">Achieved</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">9 pts</P></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;5.&#9;&nbsp;&nbsp;&nbsp;Expense Management</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: 10pt Arial, Helvetica, Sans-Serif">Beat controllable expense budget of $296 million.</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: 10pt Arial, Helvetica, Sans-Serif">6 pts</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">Achieved</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">6 pts</P></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;6.&#9;&nbsp;&nbsp;&nbsp;Information Technology</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">Achieve 2 of the following:</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 30.6pt; text-indent: -22.5pt">(i)&#9;&nbsp;&nbsp;&nbsp;&nbsp;Complete decommissioning
        of legacy data warehouse;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 30.6pt; text-indent: -22.5pt">(ii)&#9;&nbsp;&nbsp;&nbsp;Complete new claims
        content management system for workers&rsquo; compensation business; and</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 30.6pt; text-indent: -22.5pt">(iii)&#9;&nbsp;&nbsp;Commence implementation
        of new automobile and homeowners&rsquo; rating system.</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"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">6 pts</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">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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">TOTAL ACHIEVED</FONT></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; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">46 pts</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">As reflected in the above table, we met eight of the nine 2012
measures related to the six strategic initiatives, which equates to the strategic performance goal component under the Corporate
ACIP Measures generating funding at 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"><I>Financial Performance Measure</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">For 2012, our <FONT STYLE="color: black">overall </FONT>statutory
combined ratio was 103.5%, which included 6.8 points of catastrophe losses. Accordingly, the financial performance component of
the Corporate ACIP Measures generated funding at 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"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>2012 ACIP Payment Opportunities and Awards for 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">The ACIP payment opportunities for the NEOs earned in 2012 and
paid in 2013 were based on competitive market levels and set as a percentage of annual base salary. While our NEOs and other executive
officers were all eligible for maximum funding of their 2012 ACIP awards upon our achievement in 2012 of positive net income under
the umbrella arrangement, the actual awards for each executive officer were based on: (i) their respective accomplishments and
contributions; and (ii) the degree of achievement of the Corporate ACIP Measures, determined as a percentage of annual base salary
relative to corresponding levels of performance. As noted above, the SEBC can exercise negative discretion to award no incentive
payments or to award amounts lower than the maximum opportunity. The following table sets forth the NEOs&rsquo; 2012 minimum and
maximum ACIP opportunities, the SEBC&rsquo;s actual 2012 award for each NEO as a percentage of base salary, and the percentage
increase or decrease in ACIP from 2011 to 2012:</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: #D8D8D8">
    <TD STYLE="width: 25%; border: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>NEOs</B></FONT></TD>
    <TD STYLE="width: 21%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>Minimum 2012 <BR>
ACIP Opportunity <BR>
as % of Base <BR>
Salary</B></FONT></TD>
    <TD STYLE="width: 21%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>Maximum 2012 <BR>
ACIP Opportunity<BR>
 as % of Base <BR>
Salary</B></FONT></TD>
    <TD STYLE="width: 17%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>Actual 2012<BR>
 ACIP as % of<BR>
 Base Salary</B></FONT></TD>
    <TD STYLE="width: 16%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>% Change in<BR>
 ACIP from <BR>
2011 to <BR>
2012<SUP>(1)</SUP></B></FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>Gregory E. Murphy</B></FONT></TD>
    <TD NOWRAP 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: 10pt Arial, Helvetica, Sans-Serif; color: black">0%</FONT></TD>
    <TD NOWRAP 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: 10pt Arial, Helvetica, Sans-Serif; color: black">200%</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 11.2pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">88.9%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 11.2pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&#9;33.3%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>Dale A. Thatcher</B></FONT></TD>
    <TD NOWRAP 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: 10pt Arial, Helvetica, Sans-Serif; color: black">0%</FONT></TD>
    <TD NOWRAP 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: 10pt Arial, Helvetica, Sans-Serif; color: black">150%</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 11.2pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">87.4%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 11.2pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">18.4%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>Michael H. Lanza</B></FONT></TD>
    <TD NOWRAP 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: 10pt Arial, Helvetica, Sans-Serif; color: black">0%</FONT></TD>
    <TD NOWRAP 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: 10pt Arial, Helvetica, Sans-Serif; color: black">150%</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 11.2pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">60.2%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 11.2pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">12.0%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black"><B>John J. Marchioni</B></FONT></TD>
    <TD NOWRAP 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: 10pt Arial, Helvetica, Sans-Serif; color: black">0%</FONT></TD>
    <TD NOWRAP 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: 10pt Arial, Helvetica, Sans-Serif; color: black">150%</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 11.2pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">94.7%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 11.2pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">32.4%</FONT></TD></TR>
<TR>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Ronald J. Zaleski</B></FONT></TD>
    <TD NOWRAP 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: 10pt Arial, Helvetica, Sans-Serif; color: black">0%</FONT></TD>
    <TD NOWRAP 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: 10pt Arial, Helvetica, Sans-Serif; color: black">150%</FONT></TD>
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 11.2pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">58.8%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 11.2pt; padding-left: 5.4pt; text-align: center">&nbsp;<FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">8.7%</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>&nbsp;</SUP></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>(1) </SUP>For Messrs. Thatcher and Marchioni, the percentage
change reflects ACIP and discretionary cash bonuses paid in 2012 for the 2011 performance year.</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">&nbsp;</P>


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<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 2010 through 2012 are as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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; 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-top: windowtext 1pt solid; 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"><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-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Cash Incentive Unit </B></FONT><BR>
<FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Performance Measures</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">01/01/10 &ndash; 12/31/12</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: 10pt Arial, Helvetica, Sans-Serif">Cumulative operating return on equity<SUP>(1)</SUP> (&ldquo;ROE&rdquo;) or cumulative growth in policy count</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: 10pt Arial, Helvetica, Sans-Serif">TSR/NPW growth/statutory combined ratio</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">01/01/11 &ndash; 12/31/13</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: 10pt Arial, Helvetica, Sans-Serif">Cumulative operating ROE or cumulative growth in policy count</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: 10pt Arial, Helvetica, Sans-Serif">TSR/NPW growth/statutory combined ratio</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">01/01/12 &ndash; 12/31/14</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: 10pt Arial, Helvetica, Sans-Serif">Cumulative operating ROE or cumulative growth in policy count</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: 10pt Arial, Helvetica, Sans-Serif">TSR/NPW growth/statutory combined ratio</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>&nbsp;</SUP></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><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
GAAP.</P>

<P STYLE="font: 8pt 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 2012, 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 2012 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 2012 grants are subject to the following conditions:</P>

<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">Three-year vesting period; 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">Achievement at the end of any calendar year during the three-year period
beginning on January 1, 2012 and ending on December 31, 2014 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, 2011); 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">&nbsp;&nbsp;</P>


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<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 2012 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 2012 are subject to the following terms:</P>

<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">Three-year performance period;</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 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 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">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="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR>
    <TD ROWSPAN="9" STYLE="width: 20%; border: windowtext 1pt solid; background-color: white; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Cumulative</B></FONT><BR>
<FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>3-Year <BR>
Statutory <BR>
Net <BR>
Premium <BR>
Growth <BR>
Relative to <BR>
Peer Index</B></FONT></TD>
    <TD STYLE="width: 10%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&gt;=80%</FONT></TD>
    <TD STYLE="width: 10%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">100%</FONT></TD>
    <TD STYLE="width: 10%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">117%</FONT></TD>
    <TD STYLE="width: 10%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">133%</FONT></TD>
    <TD STYLE="width: 10%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">150%</FONT></TD>
    <TD STYLE="width: 9%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">167%</FONT></TD>
    <TD STYLE="width: 9%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">183%</FONT></TD>
    <TD STYLE="width: 12%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">200%</FONT></TD></TR>
<TR>
    <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: 10pt Arial, Helvetica, Sans-Serif">70%</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: 10pt Arial, Helvetica, Sans-Serif">83%</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: 10pt Arial, Helvetica, Sans-Serif">100%</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: 10pt Arial, Helvetica, Sans-Serif">117%</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: 10pt Arial, Helvetica, Sans-Serif">133%</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: 10pt Arial, Helvetica, Sans-Serif">150%</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: 10pt Arial, Helvetica, Sans-Serif">167%</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: 10pt Arial, Helvetica, Sans-Serif">183%</FONT></TD></TR>
<TR>
    <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: 10pt Arial, Helvetica, Sans-Serif">60%</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: 10pt Arial, Helvetica, Sans-Serif">67%</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: 10pt Arial, Helvetica, Sans-Serif">83%</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: 10pt Arial, Helvetica, Sans-Serif">100%</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: 10pt Arial, Helvetica, Sans-Serif">117%</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: 10pt Arial, Helvetica, Sans-Serif">133%</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: 10pt Arial, Helvetica, Sans-Serif">150%</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: 10pt Arial, Helvetica, Sans-Serif">167%</FONT></TD></TR>
<TR>
    <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: 10pt Arial, Helvetica, Sans-Serif">50%</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: 10pt Arial, Helvetica, Sans-Serif">50%</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: 10pt Arial, Helvetica, Sans-Serif">67%</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: 10pt Arial, Helvetica, Sans-Serif">83%</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: 10pt Arial, Helvetica, Sans-Serif">100%</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: 10pt Arial, Helvetica, Sans-Serif">117%</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: 10pt Arial, Helvetica, Sans-Serif">133%</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: 10pt Arial, Helvetica, Sans-Serif">150%</FONT></TD></TR>
<TR>
    <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: 10pt Arial, Helvetica, Sans-Serif">40%</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: 10pt Arial, Helvetica, Sans-Serif">33%</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: 10pt Arial, Helvetica, Sans-Serif">50%</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: 10pt Arial, Helvetica, Sans-Serif">67%</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: 10pt Arial, Helvetica, Sans-Serif">83%</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: 10pt Arial, Helvetica, Sans-Serif">100%</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: 10pt Arial, Helvetica, Sans-Serif">117%</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: 10pt Arial, Helvetica, Sans-Serif">133%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: white; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">30%</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: 10pt Arial, Helvetica, Sans-Serif">17%</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: 10pt Arial, Helvetica, Sans-Serif">33%</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: 10pt Arial, Helvetica, Sans-Serif">50%</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: 10pt Arial, Helvetica, Sans-Serif">67%</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: 10pt Arial, Helvetica, Sans-Serif">83%</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: 10pt Arial, Helvetica, Sans-Serif">100%</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: 10pt Arial, Helvetica, Sans-Serif">117%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: white; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&lt;=20%</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: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">17%</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: 10pt Arial, Helvetica, Sans-Serif">33%</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: 10pt Arial, Helvetica, Sans-Serif">50%</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: 10pt Arial, Helvetica, Sans-Serif">67%</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: 10pt Arial, Helvetica, Sans-Serif">83%</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: 10pt Arial, Helvetica, Sans-Serif">100%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: white; 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; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&lt;=20%</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: 10pt Arial, Helvetica, Sans-Serif">30%</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: 10pt Arial, Helvetica, Sans-Serif">40%</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: 10pt Arial, Helvetica, Sans-Serif">50%</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: 10pt Arial, Helvetica, Sans-Serif">60%</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: 10pt Arial, Helvetica, Sans-Serif">70%</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: 10pt Arial, Helvetica, Sans-Serif">&gt;=80%</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: white; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="5" 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: 10pt Arial, Helvetica, Sans-Serif"><B>Cumulative 3-Year Statutory Combined Ratio<BR>
 Relative to Peer Index</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</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">The peer group (the &ldquo;Cash Incentive Unit Peer Group&rdquo;)
established for 2012 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>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<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;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;Auto-Owners
        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;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;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;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;CNA
        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;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;Donegal
        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;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;The
        Hanover Insurance 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;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;Liberty
        Mutual Group Inc.</FONT></P></TD>
    <TD STYLE="width: 52%; border-top: windowtext 1pt solid; 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 17.1pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;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;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;State
        Auto Financial Corporation</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;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;United
        Fire 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;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;Utica
        National Insurance 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;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;Westfield
        Group</FONT></P></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 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. The Cash Incentive Unit Peer Group differs from the Proxy Peer
Group, as the Proxy Peer Group also includes companies with which we compete for executive talent.</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 2012 or 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>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I><U>2009 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 2009 LTIP award grants and the corresponding payout in 2012:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="background-color: #D9D9D9">
    <TD NOWRAP STYLE="width: 61%; border: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Performance Metrics</B></FONT></TD>
    <TD NOWRAP STYLE="width: 26%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Actual Performance<BR>
 Versus Performance<BR>
 Metrics</B></FONT></TD>
    <TD NOWRAP STYLE="width: 13%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Percentage<BR>
 Achieved</B></FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>2009 Grant Results</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center">&nbsp;</TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Restricted Stock Units</U></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-left: 0.25in; text-indent: -13.5pt"><FONT STYLE="font: 10pt Symbol">&middot;&#9;</FONT><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;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, 2008), or achieve a 9% cumulative growth in policy count at any quarter end during the performance period.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Achieved 9% cumulative policy count growth</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">100%</FONT></TD></TR>
<TR>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Cash Incentive Units</U><SUP>(1)</SUP></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-left: 0.25in; text-indent: -13.5pt"><FONT STYLE="font: 10pt Symbol">&middot;&#9;</FONT><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;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, 2009 to December 31, 2011.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Achieved a TSR factor of 85.37%, a statutory combined ratio of 103.4%, and NPW growth of -0.9%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">75% of units at $85.37</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>&nbsp;</SUP></P>

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

<P STYLE="font: 8pt 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>2012 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 2012 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. No discretionary cash bonuses were awarded to any NEO
for the 2012 performance year.</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. In balancing our strategic results achieved with ongoing price competition,
the continuing struggling economy, 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 2012:</P>

<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">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 sixth 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 2012 was 33% higher than his 2011 ACIP payment.</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" STYLE="width: 100%; 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 2012 was equal to his grant in the previous year.</TD></TR></TABLE>

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

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

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<P STYLE="margin: 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: 0.75in"></TD><TD STYLE="width: 0.25in">o</TD><TD>His total compensation based on salary, ACIP payment, and LTIP increased 7.1% in 2012 as compared to 2011.</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, and a comprehensive written performance appraisal that was completed by non-employee
members of Selective&rsquo;s Board of Directors. Mr. Murphy, as CEO, has ultimate responsibility for the achievement of all financial,
strategic, and investment goals. Accordingly, with respect to 2012 compensation decisions for Mr. Murphy, the SEBC considered the
following:</P>

<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 increased overall NPW in 2012 by 12% compared to 2011;</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 attained our 15th consecutive quarter of positive <FONT STYLE="color: black">standard
</FONT>commercial lines renewal pure price increases in the fourth quarter of 2012;</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 2012 TSR was 11.9% compared to a 21% 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, 2012;</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 8.7% increase in the price of Selective common stock in 2012;</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 improved our overall statutory combined ratio in 2012 compared to
2011, both inclusive of catastrophe losses (103.5% versus 106.7%) and exclusive of catastrophe losses (97.7% versus 98.4%); </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 achieved eight of nine strategic measures established for 2012 under
the ACIP;</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 introduced new products and expanded our underwriting appetite on
existing products;</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 investment income for 2012 was under budget by approximately 8%;</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 achieved positive net income of $37.9 million;</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 total operating income for 2012 was $32.1 million, compared to
a budget of $61.6 million, which was again impacted by high catastrophe losses in 2012;</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 achieved a 6.3% <FONT STYLE="color: black">standard</FONT> renewal
<FONT STYLE="color: black">pure </FONT>price increase, consisting of a commercial lines renewal pure price increase of 6.2% and
a personal lines renewal <FONT STYLE="color: black">pure </FONT>price increase of 6.7%;</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 achieved strong <FONT STYLE="color: black">standard </FONT>retention
rates for commercial lines of 82% and personal lines of 86%;</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 successfully integrated our two recently-acquired E&amp;S lines
operations;</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 achieved claim loss cost savings of $7 million, exceeding target
savings by $1 million, and are on track to deliver our multi-year three point reduction in claim costs by year-end 2014, supported
by a complex claims unit, sophisticated fraud and recovery predictive models, extensive network renegotiations, enhanced nurse
case management, and a new vendor management program;</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 improved our customer experience and branding through the introduction
of a new mobile web application, revised billing notices, customer newsletters and surveys, and expanded television and radio advertising;</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 maintained a competitive overall statutory expense ratio of 32.6%
for 2012 versus 31.7% for 2011;</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 A.M. Best financial strength rating was lowered from A+ with a
negative outlook to A with a stable outlook; and</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 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 two new insurance companies and redomesticated a third,
which will provide us with greater pricing flexibility.</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>

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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">Based on the achievement of positive net income, the degree of
achievement of the Corporate ACIP Measures, and guidance provided by the Compensation Consultant regarding CEO pay trends, the
SEBC determined that Mr. Murphy&rsquo;s 2012 ACIP would be set at 88.9% of base salary. This compares to his initial ACIP opportunity
range of 0-200% of base salary. &nbsp;This is an increase of 33.3% compared to his 2011 ACIP payment.&nbsp;&nbsp;As the ACIP component
of Mr. Murphy&rsquo;s compensation is tied to our annual financial and strategic goals, including net income, the 2012 ACIP payment
reflects the solid results our Insurance Operations achieved while withstanding the impact of Hurricane Sandy, which was the most
significant event in Selective history. 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">Our other NEOs were critical in executing Selective&rsquo;s 2012
strategic goals and key accomplishments. In light of these accomplishments, the SEBC made the following compensation decisions
in 2012 for the other NEOs:</P>

<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">Base salaries for Messrs. Thatcher, Lanza, Marchioni, and Zaleski increased
in 2012 by 3.1%, 3.2%, 11.5%, and 2.5%, respectively;</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">LTIP awards granted in February 2012 for Messrs. Thatcher, Lanza, Marchioni,
and Zaleski were equal to their LTIP awards in 2011;</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">ACIP payments for Messrs. Thatcher and Marchioni for 2012 increased
by 18.4% and 32.4%, respectively, compared to ACIP payments and discretionary bonuses for 2011. ACIP payments for Messrs. Lanza
and Zaleski increased by approximately 12.0% and 8.7%, respectively, compared to their ACIP payments for 2011; 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">Total compensation based on salary, ACIP payment, and LTIP awards for
Messrs. Thatcher, Lanza, Marchioni, and Zaleski increased in 2012 over 2011 by approximately 6.4%, 4.1%, 13.1%, and 2.9%, 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, contracts and
procurement, and corporate communications. Mr. Thatcher&rsquo;s major contributions in 2012 included:</P>

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></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">Maintaining 2012 finance and investment controllable expenses to $0.5
million below budget;</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">Achieving fixed income portfolio duration within targeted range and
quality rating;</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">Overseeing the Investor Day presentation, which generated an overall
net positive effect on attendees&rsquo; investment posture toward Selective;</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">Successfully completing integration of recently acquired E&amp;S lines
operations into tax and accounting systems;</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">Completing reinsurance and enterprise risk management catastrophe-related
analyses;</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">Successful 2012 reinsurance program placement, with numerous participating
markets for credit risk diversification and competitive pricing, which program included an additional $150 million layer, a substantial
portion of which is collateralized;</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">Successfully placing reinsurance solutions for E&amp;S operations;</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">Developing and commencing testing of economic capital models and performing
capital adequacy and sensitivity analyses;</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">Producing savings in contracts and procurement operations;</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"></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 Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Symbol; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&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">Supporting overall integration efforts for the recently acquired E&amp;S
lines operations, including comprehensive operational reviews; </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">Assisting with the creation of two new insurance companies and redomestication
of a third company to provide us with greater pricing flexibility; 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">Overseeing various communications initiatives and programs to promote
employee understanding of corporate strategies and goals.</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 achievement of positive net income, the degree of
achievement of the Corporate ACIP Measures, and the factors noted above, which summarize Mr. Thatcher&rsquo;s performance in 2012,
the SEBC approved the CEO&rsquo;s recommendation that Mr. Thatcher&rsquo;s 2012 ACIP payment would be set at 87.8% of his base
salary. This compares to his initial ACIP payment opportunity range of 0-150% of base salary. Consequently, Mr. Thatcher&rsquo;s
2012 ACIP payment was 18.4% higher than the total of his 2011 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 2012 contributions were:</P>

<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">Directing the redomestication of one insurance subsidiary and the establishment
of two new insurance subsidiaries;</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">Playing a key role in the integration of our two E&amp;S lines operations,
including creation of agent compensation agreements and participation in policy form process and committees;</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">Providing leadership and extensive legal and internal audit support
for certain internal operational process revisions;</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">Revising Selective&rsquo;s General Corporate Policies and Procedures
Handbook and Code of Conduct;</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">Achieving significant progress on certain government and regulatory
affairs matters;</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">Maintaining General Counsel organization controllable expenses under
budget by $0.4 million; 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">Providing counsel to the Claims Department on complex claims and extra-contractual
matters.</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 achievement of positive net income, the degree of
achievement of the Corporate ACIP Measures, and the factors noted above, which summarize Mr. Lanza&rsquo;s performance in 2012,
the SEBC approved the CEO&rsquo;s recommendation that Mr. Lanza&rsquo;s 2012 ACIP would be set at 60.2% of base salary. This compares
to his initial ACIP payment opportunity range of 0-150% of base salary. Consequently, Mr. Lanza&rsquo;s 2012 ACIP payment was 12.0%
higher than his 2011 ACIP payment. 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>


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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&rsquo;s 2012 accomplishments are closely tied to
the 2012 Corporate ACIP strategic measures, although the achievement of some goals was greatly impacted by historic catastrophe
losses, the difficult economic environment, and the continuing 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 gives
us a competitive advantage. Mr. Marchioni&rsquo;s major contributions in 2012 included:</P>

<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">Increasing overall NPW in 2012 by 12% compared to 2011;</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">Attaining our 15th consecutive quarter of positive <FONT STYLE="color: black">standard
</FONT>commercial lines renewal pure price increases in the fourth quarter of 2012;</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">Achieving a 6.3% <FONT STYLE="color: black">standard</FONT> renewal
<FONT STYLE="color: black">pure </FONT>price increase, consisting of a commercial lines renewal pure price increase of 6.2% and
a personal lines renewal <FONT STYLE="color: black">pure </FONT>price increase of 6.7%;</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">Achieving strong <FONT STYLE="color: black">standard </FONT>retention
rates for commercial lines of 82% and personal lines of 86%;</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">Improving our <FONT STYLE="color: black">overall </FONT>statutory combined
ratio in 2012 compared to 2011, both inclusive of catastrophe losses (103.5% versus 106.7%) and exclusive of catastrophe losses
(97.7% versus 98.4%);</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">Achieving a 97.3% statutory combined ratio, excluding catastrophe losses,
for our standard personal lines operations;</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">Expanding corporate underwriting capabilities that enhanced products
and created new segments, including assisted living, management liability, and businessowners policies, and exceeding budget for
new business generated from new and expanded products;</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 sales management tool for all agency management
specialists and field marketing specialists;</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">Continuing deployment of field marketing specialists, and expanding
agency storefronts by over 6% compared to year-end 2011;</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">Receiving a score of 8.3 out of 10 on an independently administered
agency satisfaction survey;</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">Improving our customer experience and branding through the introduction
of a new mobile web application, revised billing notices, customer newsletters and surveys, and expanded television and radio advertising;</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">Maintaining Insurance Operations controllable expenses below budget;</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">Driving integration of, and profitability improvement strategy for,
E&amp;S lines 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">Achieving claim loss cost savings of $7 million, exceeding target savings
by $1 million, and continuing on track to deliver our multi-year three point reduction in claim costs by year-end 2014, supported
by a complex claims unit, sophisticated fraud and recovery predictive models, extensive network renegotiations, enhanced nurse
case management, and a new vendor management program.</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 achievement of positive net income, the degree of
achievement of the Corporate ACIP Measures and the factors noted above, which summarize Mr. Marchioni&rsquo;s performance in 2012,
the SEBC approved the CEO&rsquo;s recommendation that Mr. Marchioni&rsquo;s 2012 ACIP would be set at 96.3% of base salary. This
compares to his initial ACIP opportunity range of 0-150% of base salary. Consequently, Mr. Marchioni&rsquo;s 2012 ACIP payment
was 32.4% higher than the total of his 2011 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>


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<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"><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 2012 included:</P>

<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">Supporting
                                                                                                               standard commercial
                                                                                                               lines company expansion
                                                                                                               efforts;</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">Completing
                                                                                                               countrywide pricing
                                                                                                               reviews and creating
                                                                                                               a tool to assess
                                                                                                               new business pricing
                                                                                                               for selected business
                                                                                                               segments;</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">Analyzing
                                                                                                               and refining standard
                                                                                                               personal lines
                                                                                                               predictive models;</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">Maintaining
                                                                                                               actuarial controllable
                                                                                                               expenses under
                                                                                                               budget;</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">Supporting
                                                                                                               E&amp;S lines operations
                                                                                                               integration into
                                                                                                               planning and reserving
                                                                                                               processes; 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">Completing
                                                                                                               subrogation recovery
                                                                                                               models for certain
                                                                                                               insurance 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>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Based on the achievement of positive net income, the degree
of achievement of the Corporate ACIP Measures and the factors noted above, which summarize Mr. Zaleski&rsquo;s performance in
2012, the SEBC approved the CEO&rsquo;s recommendation that Mr. Zaleski&rsquo;s 2012 ACIP payment would be set at 59.0% of base
salary. This compares to his initial ACIP payment opportunity range of 0-150% of base salary. Consequently, Mr. Zaleski&rsquo;s
2012 ACIP payment was 8.7% higher than his 2011 ACIP payment. 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 0in"><B><U>Stock Ownership and Retention Requirements and Hedging</U></B></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>

<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 are based on prevailing corporate governance practices and 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="width: 90%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 0.5in">
<TR STYLE="vertical-align: top; background-color: #D9D9D9">
    <TD STYLE="width: 60%; border: windowtext 1pt solid; padding-top: 2.4pt; padding-bottom: 2.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>POSITION</B></FONT></TD>
    <TD STYLE="width: 40%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 2.4pt; padding-bottom: 2.4pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>REQUIREMENT</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 0; padding-bottom: 0; padding-right: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Directors</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 0; padding-bottom: 0; text-align: center; padding-right: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">4
    x annual retainer</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 0; padding-bottom: 0; padding-right: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Chairman,
    President &amp; CEO</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 0; padding-bottom: 0; text-align: center; padding-right: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">4
    x base salary</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-right: 0; padding-top: 0; padding-bottom: 0"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Senior Executive Vice Presidents and Executive Vice
                                                                                                                                                                                                     Presidents</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 0; padding-bottom: 0; text-align: center; padding-right: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2.5
    x base salary</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-top: 0; padding-bottom: 0; padding-right: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Senior
    Vice Presidents or equivalent job grade</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-top: 0; padding-bottom: 0; text-align: center; padding-right: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">1.5
    x base salary</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 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" 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">Shares
                                                                                                               of Selective 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 Selective
                                                                                                               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>


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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">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 2012 and were reimbursed $1,950 and $1,900,
respectively.</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>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 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 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 $17,000 in 2012. 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 non-elective contributions to the Retirement Savings
Plan are limited due to the limitations under the Internal Revenue Code and the provisions of the Retirement Savings Plan, non-elective
contributions of 4% of base salary are made by SICA to participants&rsquo; Deferred Compensation Plan accounts. Additional information
regarding the Deferred Compensation Plan is included in the section entitled &ldquo;Nonqualified Deferred Compensation&rdquo;
on page 48.</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">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">&nbsp;</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 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">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 in Control&rdquo; beginning on page 49. 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.</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 has two performance-based stockholder approved plans:
(i) the Omnibus Stock Plan; and (ii) the Cash Incentive Plan. <FONT STYLE="color: black">While 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 best interests of the company and would result in certain compensation not being performance-based compensation that is deductible
under Section 162(m). In February 2012, the SEBC approved an umbrella arrangement under our Cash Incentive Plan for our executives
to allow annual cash awards to our NEOs under the Cash Incentive Plan to qualify as performance-based compensation under Internal
</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"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><SUP>3
</SUP></FONT><FONT STYLE="font-size: 8pt">&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.</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: 8pt Arial, Helvetica, Sans-Serif"><SUP>4
</SUP></FONT><FONT STYLE="font-size: 8pt">&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.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;</FONT></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">Revenue Code Section 162(m). The umbrella awards are based on
a single performance metric, namely positive net income determined in accordance with GAAP. However, the SEBC determined actual
annual cash awards to our executive officers under the Cash Incentive Plan by adjusting the maximum possible payout under the
umbrella arrangement downwards, based upon their respective accomplishments and contributions and the Corporate ACIP Measures,
as described more fully in the sections above entitled, &ldquo;2012 ACIP Payment Opportunities and Awards for NEOs&rdquo; and
&ldquo;2012 Compensation Actions for the CEO and the other NEOs.&rdquo; The umbrella arrangements do not result in any duplication
of payouts.</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 requires 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: 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: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><A NAME="a_020"></A><B>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 2010, 2011, and 2012.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="width: 21%; border: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Name</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>and</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Principal&nbsp;Position</U></P></TD>
    <TD NOWRAP STYLE="width: 6%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-align: center; vertical-align: middle"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Year</U></FONT></TD>
    <TD NOWRAP STYLE="width: 7%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Salary</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)</P></TD>
    <TD NOWRAP STYLE="width: 8%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Bonus</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)<SUP>(1)</SUP></P></TD>
    <TD NOWRAP STYLE="width: 9%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Stock</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Awards</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)<SUP>(2)</SUP></P></TD>
    <TD NOWRAP STYLE="width: 7%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Option</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Awards</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)<SUP>(3)</SUP></P></TD>
    <TD NOWRAP STYLE="width: 10%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Non-Equity<BR>
&nbsp;Incentive<BR>
Plan<BR>
Compen-<BR>
sation</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)<SUP>(4)</SUP></P></TD>
    <TD NOWRAP STYLE="width: 12%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Change&nbsp;in</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Pension&nbsp;Value</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>and</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Nonqualified</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Deferred</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Compensation</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Earnings</U>&nbsp;($)<SUP>(5)</SUP></P></TD>
    <TD NOWRAP STYLE="width: 10%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>All&nbsp;Other</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Compen-<BR>
sation</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)<SUP>(6)</SUP></P></TD>
    <TD NOWRAP STYLE="width: 10%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Total</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)</P></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Gregory E. Murphy</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Chairman, President</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&amp; Chief Executive</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Officer</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">2012</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">2011</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">2010</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">900,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">900,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">900,000</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">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">24,000</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">1,300,014</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">1,300,001</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">1,176,392</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">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">23,695</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">800,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">600,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">576,000</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">729,429</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">491,126</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">529,748</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">42,450</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">43,500</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">40,950</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">3,771,893</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">3,334,627</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">3,270,785</P></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Dale A. Thatcher</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Executive Vice President &amp; Chief Financial Officer</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">2012</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">2011</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">2010</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">512,692</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">497,115</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">475,000</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">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">80,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">72,000</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">451,383</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">451,421</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">401,194</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">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">23,695</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">450,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">300,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">228,000</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">136,611</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">88,478</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">70,926</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">23,071</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">22,370</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">21,613</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">1,573,757</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">1,439,385</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">1,292,428</P></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Michael H. Lanza</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Executive Vice President, General Counsel &amp; Chief
        Compliance Officer</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">2012</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">2011</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">2010</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">462,692</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">448,268</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">435,000</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">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">16,200</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">389,625</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">389,653</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">354,146</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">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">23,695</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">280,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">250,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">208,800</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">88,646</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">55,643</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">42,017</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">22,721</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">21,972</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">19,207</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">1,243,684</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">1,165,536</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">1,099,065</P></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>John J. Marchioni</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Executive Vice President, Insurance Operations</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">2012</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">2011</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">2010</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">467,308</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">419,231</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">375,000</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">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">85,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">120,000</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">451,383</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">451,421</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">401,194</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">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">23,695</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">450,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">255,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">180,000</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">119,062</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">65,307</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">46,968</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">21,029</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">18,865</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">17,063</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">1,508,782</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">1,294,825</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">1,163,920</P></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Ronald J. Zaleski</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Senior Executive Vice President &amp; Chief Actuary</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">2012</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">2011</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">2010</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">423,461</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">413,269</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">400,000</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">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">32,000</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">410,017</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">410,009</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">376,391</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">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">0</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">23,695</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">250,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">230,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">192,000</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">132,642</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">89,772</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">75,600</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">19,056</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">18,597</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">18,200</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">1,235,176</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">1,161,648</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">1,117,886</P></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 reflect discretionary cash bonus awards to the NEOs earned in 2011 and paid in 2012, and earned in 2010 and paid in 2011.
The amounts reported in this column as 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 2011 Proxy
Statement.</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> This column reflects
the aggregate grant date fair value of the 2012, 2011, and 2010 grants of performance-based restricted stock unit awards, and
2012, 2011, and 2010 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 units 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">The grant date fair values for the performance-based restricted
stock unit and performance-based cash incentive unit awards granted in 2012 to the NEOs are as follows: Mr. Murphy: $780,014 restricted
stock units and $520,000 cash incentive units; Mr. Thatcher: $261,383 restricted stock units and $190,000 cash incentive units;
Mr. Lanza: $225,625 restricted stock units and $164,000 cash incentive units; Mr. Marchioni: $261,383 restricted stock units and
$190,000 cash incentive units; and Mr. Zaleski: $246,017 restricted stock units and $164,000 cash incentive units.</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">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.</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">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.</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 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.</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>(3)</SUP> This column reflects
the aggregate grant date fair value for the 2010 option grants. There were no option grants in 2011 or 2012. 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. 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>(4)</SUP> Amounts in this
column include awards to the NEOs earned in 2012 and paid in 2013, earned in 2011 and paid in 2012, and earned in 2010 and paid
in 2011. 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>(5)</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 2012. 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>(6)</SUP> For 2012, 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; font-size: 8pt">
<TD STYLE="width: 0.25in; font-size: 8pt"></TD><TD STYLE="width: 0.25in; font-size: 8pt"><FONT STYLE="font: 8pt Symbol">&middot;</FONT></TD><TD STYLE="font-size: 8pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Mr.
                                                                                                                                               Murphy:
                                                                                                                                               $29,250
                                                                                                                                               of
                                                                                                                                               company
                                                                                                                                               matching
                                                                                                                                               contributions
                                                                                                                                               to
                                                                                                                                               his
                                                                                                                                               Deferred
                                                                                                                                               Compensation
                                                                                                                                               Plan,
                                                                                                                                               $11,250
                                                                                                                                               of
                                                                                                                                               company
                                                                                                                                               matching
                                                                                                                                               contributions
                                                                                                                                               to
                                                                                                                                               his
                                                                                                                                               401(k)
                                                                                                                                               plan,
                                                                                                                                               and
                                                                                                                                               $1,950
                                                                                                                                               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; font-size: 8pt">
<TD STYLE="width: 0.25in; font-size: 8pt"></TD><TD STYLE="width: 0.25in; font-size: 8pt"><FONT STYLE="font: 8pt Symbol">&middot;</FONT></TD><TD STYLE="font-size: 8pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Mr.
                                                                                                                                               Thatcher:
                                                                                                                                               $11,821
                                                                                                                                               of
                                                                                                                                               company
                                                                                                                                               matching
                                                                                                                                               contributions
                                                                                                                                               to
                                                                                                                                               his
                                                                                                                                               Deferred
                                                                                                                                               Compensation
                                                                                                                                               Plan
                                                                                                                                               and
                                                                                                                                               $11,250
                                                                                                                                               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; font-size: 8pt">
<TD STYLE="width: 0.25in; font-size: 8pt"></TD><TD STYLE="width: 0.25in; font-size: 8pt"><FONT STYLE="font: 8pt Symbol">&middot;</FONT></TD><TD STYLE="font-size: 8pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Mr.
                                                                                                                                               Lanza:
                                                                                                                                               $9,571
                                                                                                                                               of
                                                                                                                                               company
                                                                                                                                               matching
                                                                                                                                               contributions
                                                                                                                                               to
                                                                                                                                               his
                                                                                                                                               Deferred
                                                                                                                                               Compensation
                                                                                                                                               Plan,
                                                                                                                                               $11,250
                                                                                                                                               of
                                                                                                                                               company
                                                                                                                                               matching
                                                                                                                                               contributions
                                                                                                                                               to
                                                                                                                                               his
                                                                                                                                               401(k)
                                                                                                                                               plan,
                                                                                                                                               and
                                                                                                                                               $1,900
                                                                                                                                               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; font-size: 8pt">
<TD STYLE="width: 0.25in; font-size: 8pt"></TD><TD STYLE="width: 0.25in; font-size: 8pt"><FONT STYLE="font: 8pt Symbol">&middot;</FONT></TD><TD STYLE="font-size: 8pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Mr.
                                                                                                                                               Marchioni:
                                                                                                                                               $9,779
                                                                                                                                               of
                                                                                                                                               company
                                                                                                                                               matching
                                                                                                                                               contributions
                                                                                                                                               to
                                                                                                                                               his
                                                                                                                                               Deferred
                                                                                                                                               Compensation
                                                                                                                                               Plan
                                                                                                                                               and
                                                                                                                                               $11,250
                                                                                                                                               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; font-size: 8pt">
<TD STYLE="width: 0.25in; font-size: 8pt"></TD><TD STYLE="width: 0.25in; font-size: 8pt"><FONT STYLE="font: 8pt Symbol">&middot;</FONT></TD><TD STYLE="font-size: 8pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Mr.
                                                                                                                                               Zaleski:
                                                                                                                                               $7,806
                                                                                                                                               of
                                                                                                                                               company
                                                                                                                                               matching
                                                                                                                                               contributions
                                                                                                                                               to
                                                                                                                                               his
                                                                                                                                               Deferred
                                                                                                                                               Compensation
                                                                                                                                               Plan
                                                                                                                                               and
                                                                                                                                               $11,250
                                                                                                                                               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"><A NAME="a_021"></A><B>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 2012:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD ROWSPAN="3" NOWRAP STYLE="border: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Name</U></FONT></TD>
    <TD ROWSPAN="3" NOWRAP STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Grant<BR>
Date</U></FONT></TD>
    <TD COLSPAN="2" ROWSPAN="2" NOWRAP STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><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"><U>Estimated Future<BR>
Payouts under
        Non-<BR>
Equity Incentive Plan<BR>
Awards</U><SUP>(1)</SUP></P></TD>
    <TD COLSPAN="4" NOWRAP STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Estimated
    Future Payouts under Equity<BR>
Incentive Plan Awards</U><SUP>(2)</SUP></FONT></TD>
    <TD ROWSPAN="3" NOWRAP STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Grant
Date Fair</U><BR>
<U>Value of Cash</U><BR>
<U>Incentive Unit,</U><BR>
<U>Restricted Stock</U><BR>
<U>Units, and Option</U><BR>
<U>Awards</U><SUP>(4)<BR>
</SUP>($)</P></TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Cash
    Incentive Unit<BR>
Awards</U><SUP>(3)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Restricted<BR>
Stock Unit<BR>
Awards</U> (#)</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Thres-<BR>
hold<BR>
</U>($)</P></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><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"><U>Maximum</U> ($)</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Thres-<BR>
hold<BR>
</U>(#)</FONT></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"><U>Target</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">(#)</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Max-<BR>
imum<BR>
</U>(#)</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Maximum
    </U>(#)</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD ROWSPAN="3" STYLE="width: 12%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Gregory
    E. Murphy</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 10%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2/6/2012</FONT></TD>
    <TD STYLE="vertical-align: top; width: 8%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 13%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 8%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 8%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 9%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 13%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">41,712</FONT></TD>
    <TD STYLE="vertical-align: top; width: 19%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$780,014</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: 10pt Arial, Helvetica, Sans-Serif">2/6/2012</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">1,716</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">10,400</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt 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: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">$1,800,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&minus;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Dale
    A. Thatcher</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2/6/2012</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">15,241</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$261,383</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: 10pt Arial, Helvetica, Sans-Serif">2/6/2012</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">627</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">3,800</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt 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: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">$772,500</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&minus;</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Michael
    H. Lanza</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2/6/2012</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">13,156</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$225,625</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: 10pt Arial, Helvetica, Sans-Serif">2/6/2012</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">542</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">3,280</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt 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: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">$697,500</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&minus;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>John
    J. Marchioni</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2/6/2012</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">15,241</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$261,383</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: 10pt Arial, Helvetica, Sans-Serif">2/6/2012</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">627</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">3,800</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt 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: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">$712,500</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&minus;</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Ronald
    J. Zaleski</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2/6/2012</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">13,156</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$246,017</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: 10pt Arial, Helvetica, Sans-Serif">2/6/2012</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">542</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">3,280</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt 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: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">$637,500</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&minus;</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-size: 8pt"><SUP>(1)</SUP> Amounts represent
minimum and maximum potential ACIP awards under our Cash Incentive Plan for 2012. 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 27 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 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 33<SUP>rd </SUP>percentile of the Cash Incentive Unit Peer Group; the target represents the 50<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.
No stock option awards were granted in 2012.</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;</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><A NAME="a_022"></A><B>OUTSTANDING EQUITY AWARDS AT FISCAL
YEAR END</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 unexercised options and unvested
stock awards to our NEOs as of December 31, 2012:</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>
    <TD STYLE="vertical-align: top; border: windowtext 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font: 10pt 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-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Option
    Awards</U></FONT></TD>
    <TD COLSPAN="4" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Stock
    Awards</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="width: 11%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Name</U></FONT></TD>
    <TD NOWRAP STYLE="width: 11%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>No.
of</U><BR>
<U>Securities</U><BR>
<U>Underlying</U><BR>
<U>Unexer-</U><BR>
<U>cised</U><BR>
<U>Options (#)<BR>
Exercisable</U></P></TD>
    <TD NOWRAP STYLE="width: 11%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>No.
of</U><BR>
<U>Securities</U><BR>
<U>Underlying</U><BR>
<U>Unexer-</U><BR>
<U>cised</U><BR>
<U>Options (#)<BR>
Unexer-<BR>
cisable</U></P></TD>
    <TD NOWRAP STYLE="width: 8%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Option<BR>
Exer-<BR>
cise<BR>
Price</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($/Sh)<SUP>(1)</SUP></P></TD>
    <TD NOWRAP STYLE="width: 11%; border-bottom: windowtext 1pt solid; border-right: windowtext 1.5pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Option<BR>
Expiration<BR>
Date</U></FONT></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>No. of<BR>
Shares or<BR>
Units of<BR>
Stock<BR>
That Have<BR>
Not<BR>
Vested</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">(#)<SUP>(2)</SUP></P></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Market<BR>
Value of<BR>
Shares or<BR>
Units
        of<BR>
Stock<BR>
That Have<BR>
Not<BR>
Vested</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)</P></TD>
    <TD NOWRAP STYLE="width: 12%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Equity<BR>
Incentive<BR>
Plan<BR>
Awards:
        No.<BR>
of Unearned<BR>
Shares,<BR>
Units or<BR>
Other Rights<BR>
That Have<BR>
Not Vested</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD>
    <TD NOWRAP STYLE="width: 16%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Equity</U><BR>
<U>Incentive Plan</U><BR>
<U>Awards:</U><BR>
<U>Market or</U><BR>
<U>Payout Value</U><BR>
<U>of Unearned</U><BR>
<U>Shares, Units</U><BR>
<U>or Other</U><BR>
<U>Rights That</U><BR>
<U>Have Not</U><BR>
<U>Vested<BR>
</U>($)<SUP>(9)</SUP></P></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; border-left: windowtext 1pt solid; font-size: 10pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Gregory
    E. Murphy</B></FONT></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">10,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">10,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">3,480</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">3,480</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">4,154</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">6,514</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">4,292</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: bottom"><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;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">2,147 <SUP>(10)</SUP></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">17.395</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">22.025</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">28.74</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">27.44</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">24.07</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">15.35</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">15.53</P></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/3/2014</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/1/2015</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1/30/2016</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1/30/2017</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/5/2018</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1/30/2019</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/5/2020</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">49,935 <SUP>(3)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">44,853 <SUP>(4)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">42,948 <SUP>(5)</SUP></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">962,244</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">864,320</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">827,601</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">4,706 <SUP>(6)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">5,200 <SUP>(7)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">5,200 <SUP>(8)</SUP></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">1,210,195</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1,173,328</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1,164,072</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font-size: 10pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Dale
    A. Thatcher</B></FONT></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">10,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">3,480</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">3,480</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">4,154</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">6,514</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">4,292</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: bottom"><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;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">2,147 <SUP>(10)</SUP></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">22.025</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">28.74</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">27.44</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">24.07</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">15.35</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">15.53</P></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/1/2015</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1/30/2016</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1/30/2017</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/5/2018</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1/30/2019</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/5/2020</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">18,097 <SUP>(3)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">16,389 <SUP>(4)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">15,692 <SUP>(5)</SUP></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">348,738</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">315,814</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">302,394</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">1,706 <SUP>(6)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1,900 <SUP>(7)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1,900 <SUP>(8)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</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">438,715</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">428,716</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">425,334</P></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; border-left: windowtext 1pt solid; font-size: 10pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Michael
    H. Lanza</B></FONT></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">3,480</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">3,480</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">4,154</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">6,514</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">4,292</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: bottom"><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;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">2,147 <SUP>(10)</SUP></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">28.74</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">27.44</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">24.07</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">15.35</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">15.53</P></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1/30/2016</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1/30/2017</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/5/2018</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1/30/2019</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/5/2020</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">15,975 <SUP>(3)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">14,147 <SUP>(4)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">13,546 <SUP>(5)</SUP></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">307,832</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">272,604</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">261,026</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">1,506 <SUP>(6)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1,640 <SUP>(7)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1,640 <SUP>(8)</SUP></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">387,283</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">370,050</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">367,130</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; font-size: 10pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>John
    J. Marchioni</B></FONT></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">3,406</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">3,644</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">4,154</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">6,514</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">4,292</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: bottom"><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;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">2,147 <SUP>(10)</SUP></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">22.025</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">27.44</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">24.07</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">15.35</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">15.53</P></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/1/2015</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1/30/2017</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/5/2018</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1/30/2019</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/5/2020</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">18,097 <SUP>(3)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">16,389 <SUP>(4)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">15,692 <SUP>(5)</SUP></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">348,738</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">315,814</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">302,394</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">1,706 <SUP>(6)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1,900 <SUP>(7)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1,900 <SUP>(8)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</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">438,715</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">428,716</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">425,334</P></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; border-left: windowtext 1pt solid; font-size: 10pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Ronald
    J. Zaleski</B></FONT></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">5,748</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">10,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">3,480</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">3,480</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">4,154</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">6,514</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">4,292</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: bottom"><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;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">2,147 <SUP>(10)</SUP></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">17.395</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">22.025</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">28.74</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">27.44</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">24.07</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">15.35</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">15.53</P></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/3/2014</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/1/2015</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1/30/2016</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1/30/2017</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/5/2018</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1/30/2019</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2/5/2020</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">15,975 <SUP>(3)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">14,147 <SUP>(4)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">13,546 <SUP>(5)</SUP></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">307,832</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">272,604</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">261,026</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">1,506 <SUP>(6)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1,640 <SUP>(7)</SUP></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">1,640 <SUP>(8)</SUP></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">387,283</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">370,050</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">367,130</P></TD></TR>
</TABLE>
<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; 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"><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>(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
9/14/2018; and Mr. Zaleski, 12/7/2009.</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 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"><FONT STYLE="font-size: 8pt"><SUP>&nbsp;</SUP></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0"><FONT STYLE="font-size: 8pt"><SUP>(4) </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.<SUP> </SUP></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>(5)</SUP>
Reflects number of performance-based restricted stock units initially granted on February 6, 2012 and the related accrued DEUs,
which will vest and be payable, subject to the attainment of applicable performance measures, on February 6, 2015.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><SUP>&nbsp;</SUP></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; text-indent: 0in"><FONT STYLE="font-size: 8pt"><SUP>(6)</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; text-indent: 0"><FONT STYLE="font-size: 8pt"><SUP>(7)</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; 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: 0"><FONT STYLE="font-size: 8pt"><SUP>(8)</SUP>
Reflects number of performance-based cash incentive units initially granted on February 6, 2012 to the NEOs for the three-year
performance period ending December 31, 2014. 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 2012 cash incentive unit awards will be made as soon as practicable in the 2015 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) a $128.58 per unit value for the February 5, 2010 cash incentive unit grant, a $112.82 per unit value for
the February 4, 2011 cash incentive unit grant, and a $111.93 per unit value for February 6, 2012 cash incentive unit grant based
on the TSR of Selective common stock at December 31, 2012; and (ii) a 200% unit multiplier for the number of cash incentive units
granted on February 5, 2010, February 4, 2011, and February 6, 2012, respectively, based on performance against the Cash Incentive
Unit Peer Group. This unit multiplier reflects the maximum performance measure for all three grants. This multiplier is appropriate
considering: (i) each grant&rsquo;s performance has exceeded the threshold performance measure; and (ii) the maximum multiplier
of 200% is the next higher performance measure above the actual performance of 150%, 125%, and 100% for the 2010, 2011, and 2012
grants, respectively. The performance measures are identified for the February 6, 2012 grant in the Grants of Plan-Based Awards
table on page 44.</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 February 5, 2013.</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"><A NAME="a_023"></A><B>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 2012:</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: 90%; border-collapse: collapse; margin-left: 0.5in">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Option&nbsp;Awards</U></FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Stock&nbsp;Awards</U></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="width: 28%; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; text-align: center; vertical-align: middle"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Name</FONT></TD>
    <TD NOWRAP STYLE="width: 18%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Number&nbsp;of</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Shares&nbsp;Acquired</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>on&nbsp;Exercise</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">(#)</P></TD>
    <TD NOWRAP STYLE="width: 17%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Value&nbsp;Realized</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>on&nbsp;Exercise</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)</P></TD>
    <TD NOWRAP STYLE="width: 19%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Number&nbsp;of</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Shares&nbsp;Acquired</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>on&nbsp;Vesting</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">(#)<SUP>(1)</SUP></P></TD>
    <TD NOWRAP STYLE="width: 18%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Value&nbsp;Realized</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>on&nbsp;Vesting</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)<SUP>(2)</SUP></P></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; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">11,394</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">81,261</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">65,786</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">1,412,400</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Dale
    A. Thatcher</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">21,249</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">456,211</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Michael
    H. Lanza</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">18,775</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">403,095</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>John
    J. Marchioni</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">16,301</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">349,979</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Ronald
    J. Zaleski</B></FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">8,606</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">62,571</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">18,775</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">403,095</FONT></TD></TR>
</TABLE>
<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>(1) </SUP>Amounts
in this column include performance-based restricted stock units that vested in 2012 as well as performance-based cash incentive
units paid in 2012. The amounts reflected in the table attributable to performance-based restricted stock units are as follows:
Mr. Murphy, 62,296; Mr. Thatcher, 20,122; Mr. Lanza, 17,779; Mr. Marchioni, 15,436; and Mr. Zaleski, 17,779. The amounts reflected
in the table attributable to performance-based cash incentive units are as follows: Mr. Murphy, 3,490; Mr. Thatcher, 1,127; Mr.
Lanza, 996; Mr. Marchioni, 865; and Mr. Zaleski, 996.</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 2012 as well as the amount paid for
performance-based cash incentive units in 2012. The amounts reflected in the table attributable to performance-based restricted
stock units are as follows: Mr. Murphy, $1,114,480; Mr. Thatcher, $359,978; Mr. Lanza, $318,066; Mr. Marchioni, $276,155; and
Mr. Zaleski, $318,066. The amounts reflected in the table attributable to performance-based cash incentive units are as follows:
Mr. Murphy, $297,920; Mr. Thatcher, $96,233; Mr. Lanza, $85,029; Mr. Marchioni, $73,824; and Mr. Zaleski, $85,029.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></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: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_024"></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>


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

<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;</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>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD NOWRAP STYLE="width: 20%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Name</U></FONT></TD>
    <TD NOWRAP STYLE="width: 10%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Early</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Retirement</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Eligible</U></FONT></TD>
    <TD NOWRAP STYLE="width: 25%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Plan
    Name</U></FONT></TD>
    <TD NOWRAP STYLE="width: 13%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Number
    of</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Years Credited</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Service</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">(#)<SUP>(1)</SUP></FONT></TD>
    <TD NOWRAP STYLE="width: 17%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Present
    Value of</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Accumulated</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Benefit</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">($)<SUP>(2)</SUP></FONT></TD>
    <TD NOWRAP STYLE="width: 15%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Payments</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>During Last</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Fiscal Year</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">($)</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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"><FONT STYLE="font: 10pt 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: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">31.58</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">1,099,150</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">31.58</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">3,247,041</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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"><FONT STYLE="font: 10pt 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: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">11.67</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">234,284</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">11.67</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">234,247</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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"><FONT STYLE="font: 10pt 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: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">7.42</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">146,277</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">7.42</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">120,578</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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"><FONT STYLE="font: 10pt 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: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">14.00</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">200,347</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">14.00</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">122,625</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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"><FONT STYLE="font: 10pt 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: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">12.25</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">327,032</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">12.25</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">220,532</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">0</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-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">&nbsp;</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, 2012 is calculated on the basis of Normal Retirement Age of 65. A 4.42% discount rate is applied and the 2013
Static Mortality Table is used to calculate the values indicated. For further discussion, see Item 8. Financial Statements and
Supplementary Data, Note 15, Retirement Plans, in Selective&rsquo;s Annual Report on Form 10-K for the year ended December 31,
2012.</FONT></P>

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

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><A NAME="a_025"></A><B>NONQUALIFIED DEFERRED COMPENSATION</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 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 2012, 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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<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 nonqualified
deferred compensation of our NEOs:</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>
    <TD NOWRAP STYLE="width: 24%; border: windowtext 1pt solid; text-align: center; vertical-align: middle"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Name</FONT></TD>
    <TD NOWRAP STYLE="width: 13%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Executive</U><BR>
<U>Contributions</U><BR>
<U>in 2012</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)<SUP>(1)</SUP></P></TD>
    <TD NOWRAP STYLE="width: 15%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Company</U><BR>
        <U>Contributions in</U><BR>
        <U>2012</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)<SUP>(2)</SUP></P></TD>
    <TD NOWRAP STYLE="width: 15%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: middle"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Aggregate</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Earnings in 2012</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">($)<SUP>(3)</SUP></FONT></TD>
    <TD NOWRAP STYLE="width: 17%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: middle"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Aggregate</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Withdrawals/</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Distributions</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">($)</FONT></TD>
    <TD NOWRAP STYLE="width: 16%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center; vertical-align: middle"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Aggregate
    Balance</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>at December 31,</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>2012</U></FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">($)<SUP>(4)</SUP></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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: right"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">29,250</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">126,975</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">1,254,821</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">51,269</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">11,821</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">55,736</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">569,113</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">13,881</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">9,571</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">10,227</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">119,308</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">14,019</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">9,779</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">13,603</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">154,764</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">99,846</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">7,806</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">243,555</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">2,364,727</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-size: 8pt"><SUP>(1)</SUP> Amounts in this
column are attributable to 2012 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, $42,346 is attributable to 2012 salary
deferred, which is included in the Salary column of the Summary Compensation Table, and $57,500 is attributable to the deferral
of a portion of his ACIP payment, which is included in the amount reported for 2012 in the Non-Equity Incentive Plan 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">&nbsp;</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">&nbsp;</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">&nbsp;</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 2012, which amounts
are included in the Summary Compensation Table:</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: 8pt Symbol">&middot;</FONT></TD><TD STYLE="padding-right: 0.05in"><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="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"><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 STYLE="padding-right: 0.05in"><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="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"><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 STYLE="padding-right: 0.05in"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">For
                                                                                                            2012: Mr. Murphy,
                                                                                                            $74,250; Mr. Thatcher,
                                                                                                            $62,960; Mr. Lanza,
                                                                                                            $23,374; Mr. Marchioni,
                                                                                                            $23,538; and Mr. Zaleski,
                                                                                                            $107,574.</FONT></TD></TR></TABLE>

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

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><A NAME="a_026"></A><B>EMPLOYMENT AGREEMENTS AND POTENTIAL
PAYMENTS UPON</B><BR>
<B>TERMINATION OR CHANGE IN 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>

<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-left: 0.05in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Term</FONT></TD>
    <TD STYLE="width: 75%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-left: 0.05in"><FONT STYLE="font: 10pt 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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-left: 0.05in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Compensation</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-left: 0.05in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Base
    salary.<SUP>(2)</SUP></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-left: 0.05in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Benefits</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-left: 0.05in"><FONT STYLE="font: 10pt 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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-left: 0.05in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Vacation
    and Reimbursements</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-left: 0.05in"><FONT STYLE="font: 10pt 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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-left: 0.05in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Perquisites</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-left: 0.05in"><FONT STYLE="font: 10pt 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;</P>

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

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    <!-- Field: /Page -->

<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="vertical-align: top">
    <TD STYLE="width: 25%; border: windowtext 1pt solid; padding-left: 0.05in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Severance
    and Benefits on Termination without Change in Control</FONT></TD>
    <TD STYLE="width: 75%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.3in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;     <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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.3in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;        <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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.3in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;     <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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 53.1pt; text-indent: -0.25in">o&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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 53.1pt; text-indent: -0.25in">o&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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.3in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;        <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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-left: 0.05in"><FONT STYLE="font: 10pt 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"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.05in">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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.3in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;
        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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.3in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;
        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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.3in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;
        Stock awards, same as above, except that the initial number of cash incentive units is multiplied by 150%.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.3in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;
        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-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.05in">Release;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.05in">Confidentiality and</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.05in">Non-Solicitation</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 0pt 0.3in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot; </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;
                                                                                        Receipt of severance payments and benefits conditioned upon:</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.2in">o&nbsp;&nbsp;
        Entry into release of claims; and</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.2in">o&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"><B>&nbsp;</B></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, 2012 for Mr. Murphy, on July 26, 2012 for Mr. Lanza, and on
July 31, 2012 for Messrs. Thatcher, Marchioni, and Zaleski.</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> As of February 25,
2013, the annual base salaries for the NEOs were as follows: Mr. Murphy, $900,000; Mr. Thatcher, $550,000; Mr. Lanza, $480,000;
Mr. Marchioni, $550,000; and Mr. Zaleski, $425,000.</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> 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">&nbsp;</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"><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> 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">&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"><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">&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, 2012:</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>
    <TD NOWRAP STYLE="width: 20%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Name</U></FONT></TD>
    <TD NOWRAP STYLE="width: 15%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Resignation<SUP>(1)</SUP></U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>or Termination</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>For Cause</U> ($)</P></TD>
    <TD NOWRAP STYLE="width: 12%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Retirement<BR>

    </U>($)<SUP>(2)</SUP></FONT></TD>
    <TD NOWRAP STYLE="width: 14%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Death or</U><BR>
        <U>Disability</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)<SUP>(3)</SUP></P></TD>
    <TD NOWRAP STYLE="width: 22%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Termination without</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Cause or Resignation</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>with Good Reason</U> ($)<SUP>(4)</SUP></P></TD>
    <TD NOWRAP STYLE="width: 17%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Change in Control</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)<SUP>(5)</SUP></P></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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: right"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">4,435,992</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">7,302,659</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">7,321,650</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">16,795,490</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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: right"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">1,621,359</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2,879,509</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2,893,752</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">5,298,460</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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: right"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">1,411,723</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2,455,973</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2,475,136</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">4,794,439</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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: right"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">1,621,359</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2,799,509</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2,818,221</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">5,340,071</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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: right"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">1,411,723</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2,385,473</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2,403,149</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">4,555,014</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-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">&nbsp;</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, 2012. 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, 2012. The value of such awards is calculated
using the difference of the closing selling price of Selective common stock as of December 31, 2012 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">&nbsp;</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, 2012. 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, 2012. The
value of such awards is calculated using the difference of the closing selling price of Selective common stock as of December
31, 2012 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">&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 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, 2012. 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, 2012. The value of such awards is calculated using the difference of the closing selling price of Selective
common stock as of December 31, 2012 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">&nbsp;</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, 2012. Also included in
this column is the intrinsic value of unvested stock options as of December 31, 2012. The value of such awards is calculated using
the difference of the closing selling price of Selective common stock as of December 31, 2012 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.&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">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_027"></A>DIRECTOR COMPENSATION</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 compensation earned by or paid to
our non-employee directors during 2012 (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: 75%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 34%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>Name</U></FONT></TD>
    <TD STYLE="width: 22%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: 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">($)</P></TD>
    <TD STYLE="width: 25%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><U>Stock Awards</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($)<SUP>(1)</SUP></P></TD>
    <TD STYLE="width: 19%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: 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">($)</P></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Paul
    D. Bauer</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">82,296</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">65,016</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">147,312</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Annabelle&nbsp;&nbsp;G.
    Bexiga</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">40,203</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">65,016</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">105,219</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">A.
    David Brown</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">81,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">65,016</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">146,016</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John
    C. Burville</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">62,500</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">65,016</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">127,516</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Joan
    M. Lamm-Tennant</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">56,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">65,016</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">121,016</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">S.
    Griffin</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"> McClellan III</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">81,934</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">81,934</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Michael
    J. Morrissey</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">74,609</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">65,016</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">139,625</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Cynthia
    S. Nicholson</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">64,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">65,016</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">129,016</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Ronald
    L. O&rsquo;Kelley</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">80,609</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">65,016</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">145,625</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">William
    M. Rue</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">58,390</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">65,016</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">123,406</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">J.
    Brian Thebault</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">73,593</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">65,016</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">138,609</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-size: 8pt"><SUP>(1)</SUP> This column reflects
the aggregate grant date fair value for the 2012 grants of restricted stock units to directors, based on a grant date fair value
of $17.44 per share. The aggregate number of options outstanding at December 31, 2012 for directors was as follows: Ms. Lamm-Tennant,
and Messrs. Bauer and Thebault: 56,109; Messrs. Brown, Rue, and McClellan: 50,109; Mr. O&rsquo;Kelley: 44,109; Mr. Burville: 38,109;
Mr. Morrissey: 14,065; Ms. Nicholson: 7,953; and Ms. Bexiga: 0.</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">The following table summarizes the types and amounts of compensation
paid to our non-employee directors in 2012:</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: 75%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 80%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Type
    of Compensation</B></FONT></TD>
    <TD STYLE="width: 20%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Amount</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Annual
    Retainer Fee</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$50,000</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt 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; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$65,016</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Board
    Meeting Attendance</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$0</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-left: 9.45pt; text-indent: -9pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Committee
    Attendance Fee</FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">In person</FONT><BR>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">By telephone</FONT></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>
        $1,500</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">$1,000</P></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Annual Chairperson Fee</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 9.45pt">Audit Committee</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 9.45pt">Corporate Governance and Nominating Committee</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 9.45pt">Finance Committee</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 9.45pt">Salary and Employee Benefits Committee</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">&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">$15,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">$7,500</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">$7,500</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">$12,500</P></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Lead
    Independent Director Fee</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$15,000</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Expenses</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Reasonable</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">As the Director Compensation table above shows,
in 2012 the non-employee directors received compensation in the forms of restricted stock units and cash for their director service.
The SEBC annually reviews and approves the compensation for non-employee directors, including the Annual Retainer Fee, which was
paid 100% in cash in 2012. Beginning January 1, 2013, non-employee directors have the election to receive up to 100%, but not
less than 50%, of their Annual Retainer Fee in shares of Selective common stock. Any remaining balance of the Annual Retainer
Fee will be paid in cash. Non-employee directors must make this election by December 20 of the prior year. 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 Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">For 2012, the annual equity grant under Selective&rsquo;s
director compensation program was made entirely in restricted stock units granted under the Omnibus Stock Plan. Committee Attendance
Fees, Annual Chairperson Fees, and the Lead Independent Director Fee were paid in cash pursuant to the table above.</P>

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

<P STYLE="font: 10pt 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 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: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><A NAME="a_028"></A><B>COMPENSATION COMMITTEE INTERLOCKS
AND INSIDER PARTICIPATION</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">No member of the Salary and Employee Benefits Committee: (i)
was a Selective officer or employee in 2012; (ii) is a former Selective officer; or (iii) entered into any transaction in 2012
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"></A>COMPENSATION COMMITTEE REPORT</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 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, 2012 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>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 3in; text-indent: 0.5in"></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%; padding-left: 27pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Paul D. Bauer, Chairperson</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">A. David Brown</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John C. Burville</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Michael J. Morrissey</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 27pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Cynthia S. Nicholson</FONT></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"><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"><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>&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><A NAME="a_030"></A><B>INFORMATION ABOUT PROPOSAL 2</B></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">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 2012, our stockholders overwhelmingly supported our compensation
decisions with approximately 92% 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">Stockholders are urged to read this Proxy Statement&rsquo;s
Compensation Discussion and Analysis section, which discusses our compensation philosophy, policies, and procedures. 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">&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">&nbsp;</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"></A>INFORMATION ABOUT PROPOSAL 3</B></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>Ratification of Appointment of</B><BR>
<B>Independent Registered Public Accounting Firm</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 Audit Committee has appointed KPMG LLP to act as Selective&rsquo;s
independent registered public accounting firm for the fiscal year ending December 31, 2013. 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 2013 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. They will have an opportunity to make a statement, if they so desire, and will be available to respond to appropriate
questions.</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">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, 2013.</P>

<P STYLE="font: 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"><A NAME="a_032"></A><B>FEES OF INDEPENDENT REGISTERED PUBLIC
ACCOUNTING FIRM</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">KPMG LLP, Selective&rsquo;s independent registered public accounting
firm, provided services in the following categories and amounts in 2012 and 2011:</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: 92%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 68%; border: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Category</B></FONT></TD>
    <TD STYLE="width: 16%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>2012</B></FONT></TD>
    <TD STYLE="width: 16%; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>2011</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Audit
    Fees</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$1,309,500</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$1,157,000</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Audit-Related
    Fees<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$107,200</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$156,000</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Tax
    Fees</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif">$0</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">All
    Other Fees<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$83,300</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$85,000</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>TOTAL</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>$1,500,000</B></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: right"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>$1,398,000</B></FONT></TD></TR>
</TABLE>
<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>(1)</SUP> Audit-Related Fees
for 2012 consisted primarily of amounts associated with audits of our benefit plans for 2011. 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.</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> All Other Fees for
2012 and 2011 consisted of independent actuarial reviews and reserve opinions.</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">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 2012, 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 2012. 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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    <!-- Field: /Page -->

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

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_033"></A>AUDIT COMMITTEE REPORT</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 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 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: 21pt"></TD><TD STYLE="width: 18pt"><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="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: 21pt"></TD><TD STYLE="width: 18pt"><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, 2012,
                                                                                                           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="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: 20.9pt"></TD><TD STYLE="width: 18pt"><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
                                                                                                             (AICPA, <I>Professional
                                                                                                             Standards</I>, Vol.
                                                                                                             1. AU section 380),
                                                                                                             as adopted by the
                                                                                                             Public Company Accounting
                                                                                                             Oversight Board in
                                                                                                             Rule 3200T.</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: 21pt"></TD><TD STYLE="width: 18pt"><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">&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, 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; 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>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 3in; text-indent: 0.5in"></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%; padding-left: 0.25in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Ronald L. O&rsquo;Kelley, Chairperson</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Paul D. Bauer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Annabelle G. Bexiga</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John C. Burville</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 0.25in"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">J. Brian Thebault</FONT></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>


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    <!-- Field: /Page -->

<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"><B><A NAME="a_034"></A>STOCKHOLDER PROPOSALS AND NOMINATIONS</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; text-align: center"><B>Proposals for Inclusion in 2014 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 2014 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
25, 2013.</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 2014 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 25, 2013 or after December 25, 2013.&nbsp;</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 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;&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><IMG SRC="tsig2.jpg" ALT=""></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 25, 2013</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;&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><A NAME="a_035"></A><B>DOCUMENTS INCORPORATED BY REFERENCE</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">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, 2012.</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>

<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.</B><BR>
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: 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 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 0pt 0.5in">&nbsp;</P>


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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
