PROGRESSIVE DIRECT

MOTOR VEHICLE INSURANCE UNDERWRITING AND ADMINISTRATIVE SERVICES PROVIDED DIRECTLY THROUGH THE INSURANCE COMPANY RATHER THAN THROUGH INSURANCE AGENTS, BEING ACCOMPLISHED VIA TELEPHONE AND WIRED AND WIRELESS ELECTRONIC TRANSMISSIONS, NAMELY, INSURANCE PREMIUM QUOTING, ACCEPTING INSURANCE APPLICATIONS, PROCESSING INSURANCE APPLICATIONS, REVISIONS TO INSURANCE POLICIES, INSURANCE CLAIMS REPORTING, ADJUSTING SERVICES, AND PROVIDING COMPARISONS OF PREMIUM RATES; PROVIDING CONSUMER INFORMATION VIA TELEPHONE AND WIRED AND WIRELESS ELECTRONIC TRANSMISSIONS REGARDING INSURANCE UNDERWRITING AND SERVICING IN THE FIELDS OF PROPERTY AND CASUALTY INSURANCE