CLM D LIMITED

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 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")

THE SOCIETY INCORPORATED BY LLOYD'S ACT 1871 BY THE NAME OF LLOYD'S, THE TRUSTEES (AS FURTHERDEFINED ON FORM M395)

LLOYDS SECURITY AND TRUST DEED (REVERSE INTERAVAILABLE-SHORT FORM) (THIRD PARTY COVENANT) (THE TRUST DEED)

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 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")

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

CHARGE DATED 4TH MAY 2001 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE 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

MELLON TRUST COMPANY OF ILLINOIS AS TRUSTEE (SEE FORM 395 FOR FULL DETAILS)

CHARGE IN THE TERMS OF THE LLOYD'S ILLINOIS LICENSED AND 1104 MULTIPLE TRUST DEED (THE "TRUST DEED"), ITSELF CONSTITUTED BY AN INSTRUMENT OF THE SAME DATE AND

LLOYDS TSB BANK PLC

DEED OF CHARGE IN RELATION TO THE SYNDICATE 536 1998 DOLLAR BORROWING GROUP

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 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 )

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

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

LLOYD'S

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

LLOYD'S (AS TRUSTEES OF THE TRUSTS)

LLOYD'S SECURITY AND TRUST DEED (INTERAVAILABLE - SHORT FORM) (PARENT COMPANY COVENANT) (THE "TRUST DEED") MADE BETWEEN SVB UNDERWRITING LIMITED (THE "CONTINUING MEMBER"), CLM INSURANCE FUND PLC, THE COMPANY AND THE SOCIETY INCORPORATED BY LLOYD'S ACT 1871 BY THE NAME OF LLOYD'S (THE "SOCIETY")

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)

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

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

LLOYD'S PREMIUMS TRUST DEED (GENERAL BUSINESS) AS VARIED AND AMENDED BY A DEED OF VARIATION MADE 3RD FEBRUARY 1999 BY THE COUNCIL OF LLOYD'S.

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

A CHARGE DATED 29TH JANUARY 1999 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)

A CHARGE DATED 29TH JANUARY 1999 IN THE TERMS OF THE LLOYD'S SOUTH AFRICAN TRANSITIONAL TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT

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

LLOYD'S PREMIUM TRUST DEED (GENERAL BUSINESS)

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

A CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) 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 7 SEPTEMBER 1995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE (IN THE TERMS OF THE LLOYD'S AMERICAN TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 1 JANUARY 1999 AMENDING AND RESTATING THE LLOYD'S AMERICAN TRUST DEED ORIGINALLY ADOPTED ON 26 AUGUST 1939)

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 AND AS FURTHER AMENDED ON 1 JANUARY 1999)

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

A CHARGE DATED 18TH JANUARY 1999 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS EXCESS OR SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1999 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23/09/97 (AS AMENDED AND AS 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 18TH JANUARY 1999 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1999 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 300997 (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 18TH JANUARY 1999 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1999 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 230296 (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 18TH JANUARY 1999 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1999 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 17/1/97 (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 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 070995 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 07/09/95 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 07/09/95 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 07/09/99 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 07/09/99 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 07/09/95 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 07/09/95 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 07/09/95 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 07/09/95 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 07/09/95 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 07/09/95 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 07/09/95 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 07/09/95 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 07/09/95 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED S07/09/95 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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

CHARGE DATED 17 NOVEMBER 1998 (BUT EFFECTIVE FROM 1 JANUARY 1999) IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 07/09/95 (AS AMENDED AND AS SUPPLEMENTED FROM TIME TO TIME) AND AS FURTHER AMENDED BY A DEED OF AMENDMENT

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 AND AS FURTHER AMENDED ON 7 JANUARY 1998)

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 TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 JANUARY 1998 AMENDING AND RESTATING THE LLOYD'S AMERICAN TRUST DEED ORIGINALLY ADOPTED ON 26 AUGUST 1939)

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

CHARGE DATED 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 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

CHARGE DATED 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 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 10TH JANUARY 1997 IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") BUT EFFECTIVE FROM 1ST JANUARY 1997 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 TRUSTEES, LLOYD'S, AND CERTAIN OTHER PERSONS OR BODIES (AS FURTHER DEFINED ON FORM M395)

CHARGE (IN THE TERMS OF THE LLOYD'S AMERICAN TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 3 SEPTEMBER 1996 AMENDING AND RESTATING THE LLOYD'S AMERICAN TRUST DEED ORIGINALLY ADOPTED ON 26 AUGUST 1939)

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

CHARGE (IN THE TERMS OF THE AMENDMENT AND RESTATEMENT LLOYD'S AMERICAN INSTRUMENT 1995 (GENERAL BUSINESS OF CORPORATE MEMBERS) (THE AMERICAN INSTRUMENT) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 31 JULY 1995 AMENDED 21 DEC 1995, 25 APR 1996 AND FURTHER AMENDED ON 3 SEPT 1996)

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

CHARGE (IN THE TERMS OF THE AMENDMENT AND RESTATEMENT LLOYD'S AMERICAN INSTRUMENT 1995 (GENERAL BUSINESS OF CORPORATE MEMBERS) (THE AMERICAN INSTRUMENT) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 31 JULY 1995 AMENDED ON 21 DECEMBER 1995 AND FURTHER AMENDED ON 25 APRIL 1996)

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

LLOYD'S PREMIUMS TRUST DEED AS AMENDED AND VARIED BY A DEED OF VARIATION

POOL REINSURANCE COMPANY LIMITED

MEMORANDUM OF DEPOSIT AND CHARGE AND ESCROW AGREEMENTS

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

CHARGE IN THE TERMS OF THE LLOYD'S AMERICAN TRUST DEED (THE "TRUST DEED") ITSELF CONSTITUTED BY AN INSTRUMENT DATED 21ST DECEMBER 1995

THE TRUSTEE, LLOYD'S, THE KENTUCKY ATTORNEY-IN-FACT FOR UNDERWRITERS, ALL POLICYHOLDERS ANDCERTAIN OTHER PERSONS OR BODIES (AS FURTHER DEFINED ON FORM M395)

CHARGE IN THE TERMS OF LLOYD'S KENTUCKY JOINT ASSET TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 AS SUPPLEMENTED BY A DEED OF ACCESSION DATED 29TH FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 AS SUPPLEMENTED BY A DEED OF ACCESSION DATED 29TH FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 AS SUPPLEMENTED BY A DEED OF ACCESSION DATED 29TH FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7TH SEPTEMBER 1995 AS SUPPLEMENTED BY A DEED OF ACCESSION DATED 29TH FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995 AS SUPPLEMENTED BY A DEED OF ACCESSION DATED 29TH FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995 AS SUPPLEMENTED BY A DEED OF ACCESSION DATED 29TH FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995 AS SUPPLEMENTED BY A DEED OF ACCESSION DATED 29TH FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995 AS SUPPLEMENTED BY A DEED OF ACCESSION DATED 29TH FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995 AS SUPPLEMENTED BY A DEED OF ACCESSION DATED 29TH FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995 AS SUPPLEMENTED BY A DEED OF ACCESSION DATED 29TH FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996

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

CHARGE IN THE TERMS OF THE LLOYD'S KENTUCKY TRUST DEED (THE "TRUST DEED") EFFECTIVE FROM 1ST JANUARY 1996 ITSELF CONSTITUTED BY AN INSTRUMENT DATED 23RD FEBRUARY 1996

LLOYD'S(AS TRUSTEE FOR THE BENEFICIARIES)

LLOYD'S SECURITY AND TRUST DEED

ROYAL TRUST CORPORATION OF CANADA, LLOYD'S AND THE OTHER PARTIES AS DEFINED

A CHARGE IN THE TERMS OF THE LLOYD'S CANADIAN TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 26 SEPTEMBER 1995

THE TRUSTEE LLOYDS ALL POLICYHOLDERS ALL THIRD PARTY CLAIMANTS AND ALL OTHER PARTIES AS DEFINED

A CHARGE IN THE TERMS OF THE AMENDMENT AND RESTATEMENT LLOYD'S SURPLUS OR EXCESS LINES INSURANCE JOINT ASSET TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995

THE TRUSTEE LLOYD'S ALL CEDING INSURERS AND ALL OTHER PARTIES AS DEFINED

A CHARGE 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 7 SEPTEMBER 1995

THE TRUSTEE, LLOYD'S, THE AGENT AND ALL POLICYHOLDERS AS DEFINED

A CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995

THE TRUSTEE, LLOYD'S, THE AGENT AND ALL POLICYHOLDERS AS DEFINED

A CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995

THE TRUSTEE, LLOYD'S, THE AGENT AND ALL POLICYHOLDERS AS DEFINED

A CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995

THE TRUSTEE, LLOYD'S, THE AGENT AND ALL POLICYHOLDERS AS DEFINED

A CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995

THE TRUSTEE, LLOYD'S, THE AGENT AND ALL POLICYHOLDERS AS DEFINED

A CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995

THE TRUSTEE, LLOYD'S, THE AGENT AND ALL POLICYHOLDERS AS DEFINED

A CHARGE IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS SURPLUS LINES TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995

THE TRUSTEE, LLOYD'S, THE AGENT AND ALL POLICYHOLDERS AS DEFINED

A CHARGE (IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995) EFFECTIVE FROM 1 AUGUST 1995 AND

THE TRUSTEE, LLOYD'S, THE AGENT AND ALL POLICYHOLDERS AS DEFINED

A CHARGE (IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995) EFFECTIVE FROM 1 AUGUST 1995 AND

THE TRUSTEE, LLOYD'S, THE AGENT AND ALL POLICYHOLDERS AS DEFINED

A CHARGE (IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995) EFFECTIVE FROM 1 AUGUST 1995 AND

THE TRUSTEE, LLOYD'S, THE AGENT AND ALL POLICYHOLDERS AS DEFINED

A CHARGE (IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995) EFFECTIVE FROM 1 AUGUST 1995 AND

THE TRUSTEE, LLOYD'S, THE AGENT AND ALL POLICYHOLDERS AS DEFINED

A CHARGE (IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995) EFFECTIVE FROM 1 AUGUST 1995 AND

THE TRUSTEES, LLOYD'S, THE AGENT AND ALL POLICYHOLDERS AS DEFINED

A CHARGE (IN THE TERMS OF THE LLOYD'S UNITED STATES SITUS CREDIT FOR REINSURANCE TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 7 SEPTEMBER 1995) EFFECTIVE FROM 1 AUGUST 1995 AND

THE AMERICAN TRUSTEE, ALL POLICYHOLDERS (AS DEFINED), LLOYD'S, THE PREMIUM TRUSTEES AND THEOTHER PARTIES AS DEFINED

A CHARGE IN THE TERMS OF THE LLOYD'S AMERICAN TRUST DEED (THE TRUST DEED) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 31 JULY 1995

THE MANAGING AGENT'S DOLLAR TRUSTEES, ANY OTHER TRUSTEE OF THE DOLLAR TRUST DUND,THE TRUSTEE OF THE EXISTING AMERICAN INSTRUMENT, LLOYD'S AND THE OTHER PARTIES AS DEFINED

A CHARGE IN THE TERMS OF THE LLOYD'S AMERICAN INSTRUMENT 1995 (GENERAL BUSINESS FOR CORPORATE MEMBERS) (THE AMERICAN INSTRUMENT) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 31 JULY 1995

THE AMERICAN TRUSTEE

CHARGE (IN THE TERMS OF THE LLOYD'S AMERICAN TRUST DEED (LONG TERM BUSINESS) ITSELF CONSTITUTED BY AN INSTRUMENT DATED 17TH DECEMBER 1993)

THE AMERICAN TRUSTEE

CHARGE (IN THE TERMS OF THE LLOYD'S AMERICAN TRUST DEED ITSELF CONSTITUTED BY AN INSTRUMENT DATED 17TH DECEMBER 1993)

THE ROYAL TRUST CORPORATION OF CANADA

CHARGE (IN THE TERMS OF THE LLOYD'S CANADIAN TRUST DEED ITSELF CONSTITUTED BY AN INSTRUMENT DATED 14TH JUNE 1989)

LLOYD'S

LLOYDS PREMIUMS TRUST DEED

THE "SOCIETY",THE TRUSTEES AND THE BENEFICIARIES

SECURITY AND TRUST DEED