BUSINESS ASSOCIATES

Willis Limited (authorised and regulated by the Financial Services Authority) are one of the world's leading risk management and insurance intermediaries.

They are in the business of identifying, analyzing and managing risk. They deliver professional risk transfer, risk management, loss management and actuarial services to companies, as well as financial and employee benefits consulting.

What makes them different is their entrepreneurial approach and commitment to the delivery of customized solutions. They concentrate on what they do best - broking, risk management and consulting. They provide clients with an excellent local service, while enabling them to access an extensive network of global resources. They constantly strive to improve their offerings - from state-of-the-art product solutions to excellent claims processing. See www.willis.com.

Royal & Sun Alliance Insurance plc (authorised and regulated by the Financial Services Authority) is one of the world's leading multinational insurance groups. Their focus is general (property & casualty) insurance. They have leading or significant market positions in the UK, Scandinavia and Canada. At the end of 2005 they employed over 24,000 people. They currently transact business in some 130 countries and have some 20 million customers around the globe. They have an A- credit rating from Standard & Poor's and an A- credit rating from A.M. Best.

Their focus is on commercial and personal general insurance coverages and they write virtually all types with an emphasis on property, casualty, motor and household insurance. In addition, they conduct complemetary businesses in support of their insurance operations such as risk management services including claims management and loss control services in their major markets around the globe.

Their business purpose is to help customers around the world protect themselves against the risks they face in their businesses and daily lives by providing insurance and investment related solutions to meet their individual needs - as they have done for nearly 300 years. To enable customers to deal with them in whatever way suits them best they adopt a multi-channel distribution strategy and a region based organisational structure. See www.royalsunalliance.com.