“Montgomery Insurance” is a trade name used by a strategic business unit of Liberty Mutual Insurance that distributes insurance products primarily through independent agents and brokers. Montgomery Insurance markets and underwrites insurance policies issued by certain Liberty Mutual Group Inc. stock insurance company subsidiaries and affiliated insurers. Liberty Mutual Group Inc. and its subsidiary, Liberty Mutual Agency Corporation, are subsidiaries of Liberty Mutual Holding Company Inc., a Massachusetts mutual holding company. Only Liberty Mutual Insurance Company, Liberty Mutual Fire Insurance Company, Employers Insurance Company of Wausau and Liberty Mutual Personal Insurance Company policyholders have membership rights in Liberty Mutual Holding Company Inc. These companies were formerly mutual insurance companies whose policyholders elected to form a mutual holding company. These formations were reviewed and approved by the governing state insurance regulatory authorities. For more information concerning Liberty Mutual Holding Company Inc. membership rights, see Member Rights.