BASED IN PHILADELPHIA WITH GLOBAL ASSOCIATIONS

DENNIS A. BENTLEY Over a period of 50 years, Dennis Bentley has acquired knowledge of insurance and reinsurance custom and practice, from a career which has encompassed and developed knowledge of: • reinsurance & insurance underwriting and claims handling practices • policy/contract application and analysis • reinsurance program design, presentation, marketing and application • technical insurance and reinsurance accounting practices and statistical performance analyses • general agency management systems and practices. These skills have been honed almost equally in the London and domestic U.S. insurance & reinsurance markets during the following appointments: 1990 - Present The development and provision of the services listed, which since August, 1996 Dennis Bentley has provided as PRESIDENT of BENTLEY CONSULTING SERVICES 1978 - 1989 Rising to become PRESIDENT of the REINCO GROUP, he was initially responsible for the establishment of an office in London, transferring to the New York Home Office (late 1979) to take charge of the Treaty Reinsurance Department. He was appointed Group Senior Vice President in 1985 and President in the fall of 1987. He was responsible for a team of both Treaty and Facultative producers and all administrative services, systems and procedures and a staff, which at its zenith, totalled in excess of 50 in New York, Los Angeles, Paris, London and Bermuda and included the assumption of responsibility for the run-off of an underwriting agency which had underwritten a book of international treaties. In London, he introduced and developed Reinco Intermediaries' relations with markets in London, Scandinavia, Holland, parts of the Middle East and the Far East and was responsible for the design of systems and procedures. Immediately following his transfer to New York, he was responsible for the production, marketing and technical administration of Treaty Reinsurance in the U.S.A. and overseeing the establishment of the office in Bermuda. 1968 - 1978 ACCOUNT EXECUTIVE with C.T. BOWRING & CO. LTD., London, responsible for the production and placement of Treaty Reinsurance in the Lloyd's, London Company and International markets, following an unusually thorough back-room training which included collaboration in the drafting and production of a Treaty Clause Book and an attempt to standardize Contract Structure. 1966 -1968 REINSURANCE CLAIMS ADMINISTRATOR with NORTHERN & EMPLOYERS and BRITISH & EUROPEAN INSURANCE COMPANIES, London, handling both ceded and assumed claims. 1962 - 1966 RISK MANAGEMENT TECHNICIAN with ESSO PETROLEUM (U.K.) LTD. Professional Associations: * Certified ARIAS US Arbitrator * Member of the BRITISH INSURANCE LAW ASSOCIATION * Member of the REINSURANCE CONSULTANTS NETWORK, New York * Associate of INSURANCE SOLUTIONS LTD, London

BENTLEY CONSULTING SERVICES provides Insurance & Reinsurance Services which include: DISPUTES Reinsurance only • Arbitrations (performance as Arbitrator and/or Umpire) (approximately 24 appointments) • Expert Witness testimony and/or assistance with the preparation of expert witnesses for both litigation and arbitration hearings • Inspection of records, underwriting, claims and all technical aspects of reinsurance administration Insurance and Reinsurance Litigation and Arbitration support, including but not limited to; • Investigatory Research • The preparation of Expert Witnesses for both litigation and arbitration hearings. COVERHOLDER AUDITS/REVIEWS: PRE & POST BINDING • Underwriting Quality (Rating, Procedures and Records) • Claim Handling • Automated & Manual Administrative Systems • Cash Controls • Financial & Fiduciary Responsibilities • Personnel • General Administration • Statutory & Contractural Responsibilities • Security • Professional Standing GENERAL ADMINISTRATIVE ASSISTANCE • Reconstruction of Records • Verification of Known Claim Reserves • I.B.N.R. Computation Assistance • Collections • Commutation Negotiations • Technical Management Support to Rehabilitators, Liquidators & Managers of Discontinued Operations • Statistical Analysis & Prognosis • Analysis & Evaluation of Portfolio Run-Off Costs • Coverage of Temporary Staff Shortages These products benefit from Dennis A. Bentley's 46 years experience in the insurance and reinsurance professions in both the U.K. and U.S.A. Details of fee structure and/or specific quotations supplied upon request. CONTACT: Dennis A. Bentley, President 1600 Arch Street, # 1718 Philadelphia, PA 19103-2012 Tel: 215-563-1952 e-mail