N.J. Insurer Palisades Names Fernandez President and CEO

April 4, 2006

Palisades Safety and Insurance Management Corporation, a New Jersey private passenger automobile insurer, announced that Ed Fernandez has assumed the role of president and CEO, effective immediately. Fernandez succeeds Gerry Wilson, who will continue to serve the company as co-chairman of the board, along with Hal Belodoff.

Fernandez joins Palisades after 19 years with Chubb. His most recent position was chief field officer for Chubb Personal Insurance, where he developed a track record for profitable growth and as a strong supporter of the independent agency system. Prior to Chubb, Fernandez spent 12 years with Crum & Forster. Throughout his career he has worked in many areas of property/casualty insurance, including underwriting, claims, operations, finance, and general management.

Palisades (www.palisades.com) is a New Jersey-only, independent agency company. Started in 1992, the Palisades Group of Companies and its subsidiaries have grown to be the fourth-largest car insurance company in the state.

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