Our parent company, Aioi Nissay Dowa Insurance Company, Limited, is one of Japan's largest Property and Casualty insurance companies with operations in over 30 countries. In October 2010, Aioi Insurance Company, Nissay Dowa General Insurance Company and Mitsui Sumitomo Insurance Group integrated under a holding company structure. The new holding company was named using the initials of each entity to form “MS&AD Insurance Group Holdings.” MS&AD Insurance Group’s aim is to achieve sustainable growth and enhance enterprise value through the creation of a global operation offering world-class insurance and financial services. MS&AD Insurance Group has a group-wide commitment to partner with customers, agents and shareholders in a way that benefits everyone. This partner commitment is exemplified in the strong business relationships our parent company has maintained with Toyota Motor Corporation and Nippon Life Insurance Company. These long-standing relationships have helped the Company develop insurance products and services tailored to both Toyota and Nippon Life’s evolving consumer demands. For more than 40 years, the Company has offered diversified insurance services through a global network that consists of subsidiaries and branches in key cities in North America, Europe, Asia and Australia and offices of allied local insurers around the world.