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MAY 02 2005 11 : 05 FR SIVER INS CONSULTANTS 7275799692 TO 1772770509$ 13506 Pe03 SIVER INSURANCE CONSULTANIS Ms , Beth Jordan May 2 , 2005 Page 2 SIVER EXPERIENCE If we are engaged, Jitn Marshall, George Erickson and Kathy Gordon would provide most of the consulting services. Copies of CVs are attached . We offer the following as a synopsis of our credentials . Formal education. Jim Marshall is a graduate of the University of Florida (BA - Political Science, with honors) and Stetson University College of Law (JD, high honors and valedictorian) . George Erickson is a graduate of the University of South Florida (BA - Finance, with honors) and Duke University School of Law (JD and LLM) . Kathy Gordon is a graduate of St. Lawrence University (BA Philosophy, Magna Cum Laude with honors) . Formal designations . In addition to their formal educations, Jim Marshall, George Erickson and Kathy Gordon hold insuratace and risk management designations which are earned on the basis of a series of national examinations. Jim Marshall holds the Chartered Property and Casualty Underwriter (CPCU) and Associate in Risk Management (ARM) designations. George Erickson holds the Chartered Property and Casualty Underwriter (CPCU) designation. Kathy Gordon holds the Associate in Risk Management (ARM) designation and the Accredited Advisor in Insurance (AA1) designation. Assistance with insurance claims . Although not in the capacity as either an adjuster or a forensic accountant, Jim Marshall, George Erickson and Kathy Gordon have experience in assisting clients with insurance claims, including major property insurance claims, and including actively participating in settlement negotiations. The assistance has been provided both directly to our consulting clients and to their legal counsel . As an example , Jim Marshall has provided claims assistance for such claims as the collapse of a gantry crane; fires in warehouses, a hunting ranch, and a printing plant; a major windstorm loss ($95 miIlion) ; theft of Freon ($28 million) ; collapse of a refrigerated warehouse ; and several major turbine claims for electric utilities. As a result of the hurricanes in 2004, we have assisted a few of our clients , including the Greater Orlando Aviation Authority, the City of Fort Pierce and others with various insurance issues relating to their damage claims. Florida governwent experience. Over his consulting career with Siver, Jim Marshall has provided consulting services for approximately 100 Florida governments .