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Mr. Smith was appointed as the Chairman of our board in May 2004 as our President and a director in April 2003 and as our Chief Executive Officer in December 2003. Mr. Smith has 32 years of experience in the property and casualty insurance industry. From April 1999 to April 2002 Mr. Smith was Chief Executive Officer and President of TIG Specialty Insurance or TIG a leading specialty insurance underwriter. While at TIG Mr. Smith was instrumental in restructuring the company and changed TIG from an outsourced company to a controlled program specialty company. From November 1992 to March 1999 Mr. Smith was Chairman Chief Executive Officer and President of Coregis Group Inc. an insurer specializing in program business consolidated from the various Crum & Forster companies. Prior thereto he served in various executive positions at Industrial Indemnity AIG and Hartford Insurance Group. Mr. Smith is a member of the Society of Chartered Property and Casualty Underwriters served on the advisory board of Illinois State University�s Katie Insurance School was a member of the board of directors of the Alliance of American Insurers and was a trustee of American Institute of CPCU/ Insurance Institute of America. | 