Clement S. Dwyer Jr.: Director. Mr. Dwyer currently serves as President of URSA Advisors, Inc. ("URSA"), a company formed in 1997 to provide insurance and reinsurance advisory services. Prior to forming URSA, Mr. Dwyer was President and CEO of Signet Star Holdings, Inc., a reinsurance subsidiary of W.R. Berkeley Corp. From 1970 to 1996, Mr. Dwyer was with Guy Carpenter & Company, Inc. ("Guy Carpenter"), most recently as an Executive Vice President and Director. He served as Head of Guy Carpenter's North American Brokering Operations and was responsible for Property, Casualty, Ocean Marine, Life Health, Facultative and London Market Wholesale brokering. Mr. Dwyer serves on the boards of Montpelier Re Holdings, Ltd., Old American Insurance Investors and Dowling & Partners and is an advisor to Corporate Partners LP and The Beekman Group. Mr. Dwyer is a Chartered Property & Casualty Underwriter and an ARIAS-US Certified Arbitrator. Mr. Dwyer has extensive experience in the insurance industry, particularly in the areas of underwriting, brokerage, modeling, aggregate management and loss adjustment.