BERGESEN TWO LIMITED

CERTAIN OTHER PERSONS LLOYDS THE BENEFICIARIES THE BODIES

THE SOCIETY INCORPORATED BY LLOYD'S ACT 1871 BY THE NAME OF LLOYD'S

THE SOCIETY, THE BENEFICIARIES AND CERTAIN OTHER PERSONS OR BODIES (AS FURTHER DEFINED ON FORM MG01)

MEMBERSHIP AGREEMENT BETWEEN THE SOCIETY INCORPORATED BY LLOYD'S ACT 1871 BY THE NAME OF LLOYD'S (THE SOCIETY) AND THE COMPANY AS AMENDED BY A DEED OF VARIATION DATED 11TH JANUARY 2013 (THE AGREEMENT)

LLOYD'S, THE TRUSTEES, THE BENEFICIARIES AND THE OTHER PERSONS OR BODIES (AS FURTHER DEFINED ON FORM MG01)

DEPOSIT TRUST DEED (THIRD PARTY DEPOSIT) (GEN) (10)

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES (AS DEFINED ON THE FORM M395)

LLOYD'S AMERICAN TRUST DEED (THE " TRUST DEED")

LLOYD'S, AND CERTAIN OTHER PERSONS OR BODIES (AS FURTHER DEFINED ON FORM M395)

AMENDMENT AND RESTATEMENT LLOYD'S AMERICAN INSTRUMENT 1995 (GENERAL BUSINESS FOR CORPORATE MEMBERS) ("THE 1995 AMERICAN INSTRUMENT (CORPORATE MEMBERS") DATED 31 JULY 1995 & AMENDED ON 28 DECEMBER 2001, 1 APRIL 2001, 1 AUGUST 2001, 13 FEBRUARY 2002, 27 SEPTEMBER 2007 &

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 1ST JANUARY 2004 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2004

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 1ST JANUARY 2004 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2004

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 1ST JANUARY 2004 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2004

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 1ST JANUARY 2004 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2004

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 1ST JANUARY 2004 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2004

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 1ST JANUARY 2004 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2004

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 1ST JANUARY 2004 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2004

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 1ST JANUARY 2004 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2004

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 1ST JANUARY 2004 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2004

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 1ST JANUARY 2004 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2004

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 1ST JANUARY 2004 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2004

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 1ST JANUARY 2004 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2004

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 1ST JANUARY 2004 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2004

THE TRUSTEE (BEING, AS AT THE DATE HEREOF, CITIBANK N.A.), LLOYD'S, THE AGENT, ALL POLICYHOLDERS AND THIRD-PARTY CLAIMANTS AND CERTAIN OTHER PERSONS OR BODIES (AS FURTHER DEFINED ON FORM M395)

LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED ("THE TRUST DEED") DATED 2 JUNE 2003 (IN RESPECT OF SYNDICATE NO.2010 (INCLUDING ALL INCIDENTAL SYNDICATES OF SUCH SYNDICATE) (BUT EFFECTIVE FROM 2 JUNE 2003 AND THE FIRST DAY OF THE RELEVANT CALENDAR YEAR WITH RESPECT TO EACH TRUST WHICH RELATES TO ANY OTHER YEAR OF ACCOUNT OF THE SYNDICATE)

LLOYDS TSB BANK PLC

DEED OF CHARGE

THE SOCIETY (LLOYDS) AND THE MANAGING AGENTS OFFSHORE POLICIES TRUSTEES OF ANY MANAGING AGENT(AS FURTHER DESCRIBED ON FORM M395)

CHARGE IN THE TERMS OF THE LLOYD'S ASIA (SINGAPORE POLICIES) INSTRUMENT 2002(GENERAL BUSINESS OF ALL UNDERWRITING MEMBERS) (THE SINGAPORE POLICIES INSTRUMENT)

THE SOCIETY (LLOYDS) AND THE MANAGING AGENTS OFFSHORE POLICIES TRUSTEES OF ANY MANAGING AGENT(AS FURTHER DESCRIBED ON FORM M395)

CHARGE IN THE TERMS OF THE LLOYD'S ASIA (OFFSHORE POLICIES) INSTRUMENT 2002(GENERAL BUSINESS OF ALL UNDERWRITING MEMBERS) (THE OFFSHORE POLICIES INSTRUMENT)

THE SOCIETY INCORPORATED BY LLOYD'S ACT 1871 BY THE NAME OF LLOYD'S,THE TRUSTEES, THE BENEFICIARIES AND THE OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

DEPOSIT TRUST DEED (THIRD PARTY DEPOSIT) (THE "TRUST DEED")

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 3RD JANUARY 2002 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2002

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 3RD JANUARY 2002 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2002

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 3RD JANUARY 2002 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2002

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 3RD JANUARY 2002 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2002 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 13TH JANUARY 2000 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 3RD JANUARY 2002 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2002 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 3RD JANUARY 2002 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2002 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 3RD JANUARY 2002 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2002 ITSELF CONSTITUTED BY AN INSTRUMENT

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 3RD JANUARY 2002 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2002 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 11TH JANUARY 2000 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 3RD JANUARY 2002 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2002 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 3RD JANUARY 2002 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2002 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 3RD JANUARY 2002 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2002 ITSELF CONSTITUTED BY AN INSTRUMENT

LLOYDS TSB BANK PLC

DEED OF CHARGE

THE TRUSTEES, LLOYD'S AND CERTAIN OTHER PERSONS OR BODIES (AS FURTHERDEFINED ON FORM M395)

CHARGE (IN THE TERMS OF THE LLOYD'S CANADIAN TRUST DEED "THE TRUST DEED" DATED 26 SEPTEMBER 1995. THE INSTRUMENT AMENDS AND RESTATES THE INSTRUMENT DATED 9 NOVEMBER 1977, AS FURTHER AMENDED BY DEEDS DATED 8 MARCH 1978, 11 JUNE 1989 AND 28 DECEMBER 2000)

ROYAL TRUST CORPORATION OF CANADA (THE TRUSTEE)

A CHARGE DATED 25 MAY 2001 IN THE TERMS OF THE LLOYD'S CANADIAN MARGIN FUND TRUST DEED ("THE TRUST DEED")

LLOYDS TSB BANK PLC

DEED OF CHARGE

LLOYDS TSB BANK PLC

DEED OF CHARGE

BARCLAYS BANK PLC

DEED OF CHARGE MADE BETWEEN THE MEMBERS AND THE DOLLAR TRUSTEES (EACH AS DEFINED THEREIN) AS CHARGORS, HISCOX SYNDICATES LIMITED AND BARCLAYS BANK PLC (THE BANK) AS CHARGEE

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 11TH JANUARY 2001 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 11TH JANUARY 2001 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2001 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 11TH JANUARY 2001 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEES, LLOYD'S, AND CERTAIN OTHER PERSONS OR BODIES (AS FURTHER DEFINED ON FORM M395)

CHARGE (IN THE TERMS OF THE LLOYD'S AMERICAN INSTRUMENT 1995 (GENERAL BUSINESS OF CORPORATE MEMBERS) ("THE AMERICAN INSTRUMENT") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 31 JULY 1995 AS AMENDED ON 21 DECEMBER 1995, 25 APRIL 1996, 3 SEPTEMBER 1996 , 7 JANUARY 1998 AND AS FURTHER AMENDED ON 28 DECEMBER 2000 )

THE TRUSTEES, LLOYD'S AND CERTAIN OTHER PERSONS OR BODIES (AS FURTHER DEFINED ON FORM M395)

CHARGE (IN THE TERMS OF THE LLOYD'S CANADIAN TRUST DEED "THE TRUST DEED" DATED 26 SEPTEMBER 1995. THE INSTRUMENT AMENDS AND RESTATES THE INSTRUMENT DATED 9 NOVEMBER 1977, AS FURTHER AMENDED BY DEEDS DATED 8 MARCH 1978 AND 11 JUNE 1989)

THE SOCIETY INCORPORATED BY LLOYD'S ACT 1871 BY THE NAME OF LLOYD'S, THE TRUSTEES, THEBENEFICIARIES AND THE OTHER PERSONS OR BODIES (AS FURTHER DEFINED ON FORM M395)

SECURITY AND TRUST DEED (LETTER OF CREDIT AND BANK GUARANTEE) (THE "TRUST DEED")

BARCLAYS BANK PLC

DEED OF CHARGE MADE BETWEEN THE NAMES AND THE DOLLAR TRUSTEES (EACH AS DEFINED THEREIN) CONSTITUTING THE SYNDICATE 33 2000 DOLLAR OBLIGOR GROUP AS CHARGORS, HISCOX SYNDICATES LIMITED AND BARCLAYS BANK PLC (THE BANK) AS CHARGEE

LLOYD'S THE TRUSTEE

CHARGE DATED 6 JUNE 2000 IN THE TERMS OF THE LLOYD'S AUSTRALIAN JOINT ASSET TRUST DEED (NO.2) ("THE TRUST DEED")

LLOYD'S THE TRUSTEE

CHARGE DATED 6 JUNE 2000 IN THE TERMS OF THE LLOYD'S AUSTRALIAN JOINT ASSET TRUST DEED (NO.1) ("THE TRUST DEED")

LLOYD'S

CHARGE DATED 6 JUNE 2000 IN THE TERMS OF THE LLOYD'S AUSTRALIAN TRUST DEED ("THE TRUST DEED")

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 5 MAY 2000 IN THE TERMS OF THE AMENDMENT AND RESTATEMENT LLOYD'S AMERICAN CREDIT FOR REINSURANCE JOINT ASSET TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 5TH MAY 2000 IN THE TERMS OF THE AMENDMENT AND RESTATEMENT LLOYD'S AMERICAN SURPLUS OR EXCESS LINES INSURANCE JOINT ASSET TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE ROYAL BANK OF SCOTLAND PLC

NEW SECURITY DEED

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

A CHARGE DATED 24TH FEBRUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY JOINT ASSET TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED IN FORM 395)

A CHARGE DATED 4TH FEBRUARY 2000 IN THE TERMS OF THE LLOYD'S SOUTH AFRICAN TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 18TH JANUARY 1999 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 18TH JANUARY 1999 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 29TH FEBRUARY 1996 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 18TH JANUARY 1999 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 18TH JANUARY 1999 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 18TH JANUARY 1999 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE AMERICAN TRUSTEE, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 18TH JANUARY 1999 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 18TH JANUARY 1999 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 29TH FEBRUARY 1996 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION

THE TRUSTEE, LLOYD'S, THE AGENT, ALL POLICY HOLDERS AND CERTAIN OTHER PERSONS OR BODIES(AS FURTHER DEFINED ON FORM M395)

CHARGE DATED 13TH JANUARY 2000 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 2000 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 (AS AMENDED AND SUPPLEMENTED FROM TIME TO TIME) AND AS SUPPLEMENTED BY A DEED OF ACCESSION