XN Holdings Inc. is a privately held corporation headquartered in Boca Raton, Florida. The company was founded by Ronald Reshefsky and Dan Anber in April 2001, soon thereafter launching XN Financial Services, Inc. to fill insurance product and professional service voids in the international mobility market. XN Financial successfully developed and implemented its web-based technology platform and has completed web-based insurance transactions in countries spanning the globe on behalf of hundreds of multinational companies. The company actively develops and maintains strategic alliance partnerships that provide underwriting capacity, third party administration services, distribution and complementary ancillary services to international assignees and their employers/sponsors. In the process, it has created a unique and unequalled distribution model.

XN Financial is a leading online provider of insurance and financial products designed specifically to meet the special needs of transferees, whose worldwide presence numbers in the millions. XN Financial offers corporate and organization-sponsored assignee households rapid, user-friendly access to individually tailored products and helpful information, as well as a distinctive “insurance in a box” solution designed to ease apprehensions surrounding health, safety and security associated with moving to a new country. These households enjoy “24/7” access to personalized insurance and financial services from any location in the world. System access is supported by an innovative proprietary web platform and an experienced team of professionals who maintain multilingual call centers located in Montreal, Quebec, Canada and Miami, Florida, USA. XN Financial’s web-based system and call center staff support the distribution of customized insurance products that range from personal property and liability coverage to health care, life insurance and other financial services products.

In addition to providing insurance solutions to the internationally mobile community, XN Holdings^® Inc. has leveraged its web-based technology, underwriting and processing infrastructure, alliance partnerships and underwriting capacity by extending its operations into new markets via two new initiatives, namely, XN Risk^® Insurance Services Inc., (“XN Risk^®”), and XN Private Client Services.

XN Risk^®, which offers management liability insurance, aims to protect directors and executives in privately owned companies and company assets. XN Risk^® is a premier, online service provider for today's far-sighted privately owned companies, offering information, products and services designed to soothe worries and answer uncomfortable questions surrounding executive error, misconduct, and liability. XN Risk^® offers comprehensive insurance solutions that embrace the versatility, simplicity and security that modern businesses require. The available product lines offer flexible tailored packages, reflecting the diversity of business operations and needs. XN Risk^® is a wholly-owned subsidiary of Boca Raton-based XN Holdings^® Inc. For more information on XN Risk^®, please visit www.xnrisk.com.

XN Private Client Services is a managing general agent and leading online provider of insurance and financial products designed specifically for the needs of high value homeowners. From wind only to flood/excess flood products, XN Private Client Services offers dedicated underwriting support while clients benefit from a single access point and 24/7 claims service and global online access to personalized insurance and financial services and via a multilingual call center. XN Private Client Services enables clients access to customized products and information designed to ease common concerns about health, safety and security issues facing expatriates, international mobile employees and high value homeowners. XN Private Client Services is headquartered in Boca Raton, Florida, with the XN Global Service Center in Montreal, Canada. For more information on XN Private Client Services, please visit www.xn.com/pcs.