BUSINESS ASSOCIATES

BROKER:- 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.

UNDERWRITERS:- Willis Underwriting Facility. Wherever the Insurer appears in this policy it will mean the Co-insurers stated below:- 1. for their respective rights and interests and 2.each for their own proportion of the risk.

Co-Insurers                                         Proportion
AVIVA Insurance                                        50%
Allianz                                                        25%
Zurich                                                         15%
RSA                                                           10%

Aviva Insurance shall mean Aviva Insurance UK Limited of 8 Surrey Street, Norwich NR1 3NG or Aviva Insurance Ltd of Pitheavlis, Perth PH2 0NH (as the case may be for each insurance bound).

Allianz shall mean Allianz Insurance plc of Ladymead, Guildford, Surrey, GU1 1DB.

Zurich shall mean Zurich Insurance plc (UK Branch), a public limited company incorporated in Ireland. Registration No. 13460.  Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK Branch registered in England and Wales No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire, PO15 7JZ.

RSA shall mean Royal & Sun Alliance Insurance plc (registered number 93792) of St Marks Court, Chart Way, Horsham, West Sussex RH12 1XL.

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.