An Analysis of the Conduct, Performance and Financial Condition of NCRIC, Inc., 2000-2004

Jay Angoff
Of Counsel
Roger Brown & Associates

June 1, 2005

This Report analyzes the performance of NCRIC, Inc. ("NCRIC") based on the Annual  Statements and rate filings it has filed with the District of Columbia Department of Insurance,  Securities and Banking ("Department"); its filings with the United States Securities and Exchange  Commission ("SEC"); and other data NCRIC has made public in its annual reports to policyholders  and on its website. 

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