Witness Panel 1

1. Mr. Joseph J. Beneducci
   President and COO
   Fireman's Fund, on behalf of the American Insurance Association
   •   Beneducci - July 11, 2006
2. Honorable Alessandro Iuppa
   Superintendent of Insurance
   State of Maine, on behalf of the National Association of Insurance Commissioners
   •   Iuppa - July 11, 2006
3. Mr. John D. Johns
   President and CEO
   Protective Life Corporation, on behalf of the American Council of Life Insurers
   •   Johns - July 11, 2006
4. Mr. Thomas Minkler
   President
   Clark-Mortenson Agency, Inc., on behalf of the Independent Insurance Agents & Brokers of America
   •   Minkler - July 11, 2006
5. Mr. Jaxon A. White
   President and CEO
   Medmarc Insurance Group, on behalf of the Property Casualty Insurers Association of America
   •   White - July 11, 2006

Witness Panel 2

1. Mr. Robert M. Hardy, Jr.
   Vice President and General Counsel
   Investors Heritage Life Insurance Company, on behalf of the National Alliance of Life Companies
   •   Hardy - July 11, 2006
2. Mr. Alan F. Liebowitz
   President
   Old Mutual (Bermuda) Ltd., on behalf of the American Bankers Insurance Association
   •   Liebowitz - July 11, 2006
3. Mr. Travis B. Plunkett
   Senior Director, Family Economic Stability
   The Pew Charitable Trusts
   •   Plunkett - July 11, 2006
4. Mr. Scott Sinder
   The Scott Group, on behalf of the Council of Insurance Agents & Brokers
   •   Sinder - July 11, 2006
5. Mr. Robert A. Wadsworth
   President and CEO
   Preferred Mutual Insurance Company, on behalf of the National Association of Mutual Insurance Companies
   •   Wadsworth - July 11, 2006