This executive perspective includes our July 30 news release with financial results. For additional details, see our Quarterly Report on Form 10-Q, filed with the SEC on August 7, 2009.

This message from our chairman and our president includes recent news releases about financial results announced April 30, results of shareholder votes at the 2009 Annual Meeting of Shareholders and actions of the board at its May meeting. For additional details, see our Quarterly Report on Form 10-Q, filed with the SEC by April 30, 2009.

The Letter from our chairman and our CEO presents management's perspectives on your company's 2008 performance and trends that may affect performance in 2009 and beyond. The Cincinnati Resilience, highlighting our risk management, accompanies this Letter.

This statement informs you of items requiring shareholder action at the 2009 Annual Meeting of Shareholders on May 2, 2009. It identifies board members, detailing director and executive officer compensation and board activities.

The SEC Annual Report on Form 10-K is a detailed document published by every publicly traded company as required by the U.S. Securities and Exchange Commission. In our report, we describe your company’s operations, its results and trends, along with supporting data, discussions, audited financial statements and accompanying notes.

This message from our chairman and our president includes recent news releases about financial results announced February 5 and actions taken by board of directors at its January 30 meeting.

This executive perspective includes our October 29 news release with financial results. For additional details, see our Quarterly Report on Form 10-Q, filed with the SEC by October 29, 2009.