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Roy Katzenberg - Chief Financial Officer Chris Hare - Chief Risk Officer and Compliance Officer Don McCrickard - Non Executive Director Anthony Hines - Non Executive Chairman Paul Donovan - Director of IT Shirley Rogers - Director of Human Resources Dinah Gately - Chief Executive Officer and Director of Claims Steven E. Fass - Non Executive Director Alex Fridlyand - Non-Executive Director Mark Gates - Chief Operations Officer Paul Box - Company Secretary Nick Krenteras - Non Executive Director (Pine Brook Capital Partners)

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