Gerling Pooling Instrument

Probsteigasse 12-18, Cologne 50937, Germany; 49-221-144-5183; fax: 49-221-144-5256

www.gerling.de

1997 1996

Int'l premiums $14,000,000 $12,900,000

U.S. 11% 11.6%

Non-U.S. 89% 88.4%

Employees 22 22

U.S. 5 5

Non-U.S. 17 17

Lives covered 30,000 20,800

Master contracts 28 27

Foreign countries 43 42

Formed: 1982.

Member companies: Gerling pooling instrument is used to set up individual pools for multinational organizations.

Minimum requirements: 250 lives and two countries.

Business: 7% medical, 25% life, 19% accidental death, 6% short-termdisability, 18% long-term disability, 25% other.

International dividends: Stop-loss system, loss carry-forward system, loss carry-forward system with contingency fund.

Officers: Paulgerd Kolvenbach, managing director; Michael Ehlers, deputy managing director; Heiner Salmen, director; Christiane Liptau-Nohl, senior consultant; Bianca Meissner, consultant.

U.S. contact: Wolfgang Schlaeger, 212-756-5600.

Group Assurance International Network (GAIN)

350 Sansome St., Suite 750, San Francisco, Calif. 94104; 415-394-8677; fax: 415-394-8680

www.gainworldwide.com

1997 1996

Employees 8 8

U.S. 5 5

Non-U.S. 3 3

Foreign countries 31 30

Offices 3 3

Formed: 1976.

Member companies: AB AEGON Altalanos Biztosito R.T., Hungary; AEGON Verzekeringen, Netherlands; AFP Proteccion, Chile; AGF-Assubel Vie S.A., Belgium; AGF Brasil Seguros, Brazil; AGF Garanti Sigorta A.S., Turkey; AGF Kosmos Vie S.A., Greece; AGF Ubezpieczenia Zycie, Poland; AGF Union Fenix, Spain; Aachener & Munchener Lebensversicherung AG, Germany; AGF-Assubel Vie S.A., Luxembourg; Assurances Generales de France, France; Chinfon Life Insurance Co. Ltd., Taiwan; Fidelity Life Assurance of Zimbabwe (Private) Ltd., Zimbabwe; France Life Insurance Co. Ltd., Korea; Galicia Vida Compania de Seguros S.A., Argentina; HSBC Life (International) Ltd., Hong Kong; The Hartford, United States; Irish Life Assurance P.L.C., Ireland; ITT Hartford Sudamericana Holding S.A., Argentina; Keppel Insurance Pte. Ltd., Singapore; London & Manchester (Pensions) Ltd., United Kingdom; MBA Life Assurance Sdn. Bhd., Malaysia; Momentum Life, South Africa; Mutual Life of Canada, Canada; PT Asuransi Jiwa Principal Egalita Indonesia, Indonesia; Seguros Banamex AEGON, Mexico; Siam Commercial Life Assurance Co. Ltd., Thailand; Sociedade Portuguesa de Seguros, Portugal; Societa Cattolica di Assicurazione, Italy; Toho Mutual Life Insurance Co., Japan; Tower Life Australia Ltd., Australia; Tower Retirement Investment Ltd., New Zealand; Tryg-Baltica Forsikring A.S., Denmark; United Coconut Planters Life Assurance Corp., Philippines; Vaudoise Vie Compagnie d'Assurances, Switzerland; Vesta Life, Norway. Coverage available in additional companies through members listed above.

Minimum requirements: 25 employees and two countries.

International dividends: Stop-loss system, loss carry-forward system, loss carry-forward system with contingency fund.

Officers: C. Pietralunga, chairman; E.M. Janssen, managing director.

U.S. contact: Eric M. Janssen.