The American Insurance Company submits for your review and approval revised rates and rules designed for use with our Dentist’s Professional Liability program. In conjunction with the rate filing, we have redesigned our State Exception Pages. These changes are detailed in our actuarial and rule memorandums. The overall rate effect of the changes is an increase of 14.4% for the Occurrence and Claims-Made businesses. In support of this revision you will find our actuarial memorandum and exhibits, our countrywide rules and rate manual and memorandum, and our revised exception pages.