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					       David C. Marlett
David C. Marlett is Chair of the Department of Finance, Banking and
Insurance at Appalachian State University. He is also the co-director
of the Brantley Risk and Insurance Center. David formerly taught
risk management and insurance courses at Illinois Wesleyan
University, Old Dominion University and Florida State University.

David was raised in Crystal River, located on the Gulf Coast of
Central Florida. After working as a commercial lines underwriter for
US Fidelity and Guaranty in Tampa, he entered the doctoral program
at Florida State University in 1993. His major area of study was risk
management and insurance, with a support area in finance. David
completed his doctoral dissertation on residual markets and
catastrophe financing programs in 1997.

David is currently the editor for the CPCU eJournal. He has
published over twenty articles in peer-reviewed journals. David is
an active consultant and has completed research for the Insurance
Federation of North Carolina, the Florida Department of Insurance,
the Hawaiian Hurricane Relief Fund, and the Federal Emergency
Management Agency (FEMA).
      Randy K. Edwards
Randal K. "Randy" Edwards became the sixth dean of Appalachian
State University's Walker College of Business on January 1, 2006 after
serving as interim dean since July 1, 2005.

Edwards chaired the college's Department of Accounting for 13 years
from 1992-2005. He is a graduate of Appalachian, receiving a bachelor
of science degree in 1977 and a master of science degree in 1978.

He was a senior auditor with Ernst and Whinney from 1978-81and an
instructor at Appalachian from 1981-83. After earning a Ph.D. in
accounting from the University of Tennessee-Knoxville, Edwards
returned to the faculty at Appalachian in 1986.

He has authored or co-authored several journal articles in Internal
Auditing and The CPA Journal.
         Steven N. Weisbart
Steven N. Weisbart is vice president and chief economist for the Insurance
Information Institute. Before joining the I.I.I., Weisbart served as vice president at
Teachers Insurance and Annuity Association-College Retirement Equities Fund
(TIAA-CREF) in New York. Prior to joining TIAA-CREF he was associate professor
of Insurance in the Department of Risk Management and Insurance in the Robinson
College of Business at Georgia State University. Weisbart is a member of the
American Risk and Insurance Association and the Society of Financial Service

Weisbart received his Ph.D. and Master of Arts degrees in economics from the
University of Pennsylvania, where he was an S.S. Huebner Foundation Fellow. He
received a Bachelor of Arts degree in English from Cornell University. Weisbart also
holds the Chartered Life Underwriter (CLU) credential.

Weisbart has authored and co-authored four books as well as papers that have
appeared in numerous publications, including the Journal of Risk and Insurance, the
Journal of Financial Service Professionals (where he was previously an Associate
Editor), the CPCU Journal and Best’s Review. Currently he serves on the editorial
board of the Risk Management and Insurance Review. He has been quoted in
leading publications such as The Wall Street Journal and Newsweek.
      Eleanor Kitzman
Eleanor Kitzman is Vice President for Government Relations for
Goldman Sachs Reinsurance Group, which owns and operates
several insurance businesses, primarily in the areas of life and
annuity, property catastrophe and life settlement.

She was the Director of Insurance in South Carolina from February
2005 to February 2007. As a result of South Carolina’s historic
deregulation of automobile insurance, Eleanor formed Driver’s
Choice Insurance Services, an automobile insurance business.

Ms. Kitzman previously held management positions with several
insurers and reinsurers, including Integon (now GMAC), GEICO and
E. W. Blanch (now Benfield) and practiced law with the Austin office
of Akin, Gump, Strauss, Hauer & Feld. A native Texan, Ms. Kitzman
received her B.A. from the University of Houston in 1984 and her
J.D., cum laude, from South Texas College of Law in 1986.
         J. Smith Harrison, Jr.
Smitty Harrison is the Executive Director of the South Carolina Wind & Hail
Underwriting Association. He holds an undergraduate degree in insurance from the
University of South Carolina and a graduate degree in insurance from Georgia State
University. He also holds several professional designations in insurance including
the Chartered Property and Casualty Underwriter designation. Smitty served two
terms as president of the South Carolina Chapter of CPCU.

In 1992, he was recognized as the distinguished graduate of the Associate in
Reinsurance program. For sixteen years, he served as an adjunct professor of
insurance at USC. He served two terms as National Chairman of the Property
Insurance Plan Service Office, a statistical and advisory group for all of the property
plans in the United States.

During Hurricane Hugo, he served as Claims Chairman for the South Carolina Wind
and Hail Underwriting Association.He also serves as the Executive Director of the
South Carolina Property and Casualty Insurance Guaranty Association. He was
recently re-elected to the Board of Directors of the National Conference of
Insurance Guaranty Associations. He also serves on the NCIGF Executive
Committee and as the Special Deputy Receiver for two insolvent domestic
George W. deMenocal
George deMenocal is an executive with Aon Re Global, the
worlds largest reinsurance broker. With over 27 years of
experience in the global broker treaty reinsurance market, he is a
specialist in the design and placement of a wide variety of
property and casualty treaties. He has developed an expertise in
risk management and product design for property residual
markets and coastal insurance writers.

He has been an active member of the Coastal Issues Task Force
of a major coastal State. He is a published member of the ARe
Advisory Committee and Managing Director of Aon Re Global’s
Stamford, CT office.

George deMenocal is a graduate of Hartwick College and holds a
major in Economics. He also holds CPCU and ARe professional
       Richard Attanasio
Rich is a Vice President in the Property/Casualty Ratings division of the
A.M. Best Company, a credit rating organization dedicated to serving the
financial services industries, including the insurance and banking sectors.

Rich directs several teams of analysts that are responsible for monitoring
and evaluating the ratings of more than 400 personal lines predominant
companies. He has also contributed to numerous special reports on
issues that impact the personal lines industry and participates on internal
rating committees. Rich joined the A.M. Best Company in 1999 and was
previously the primary analyst on several national and regional carriers.

Prior to joining A.M. Best, Rich was in the strategic planning area of
Prudential International Investments, where he conducted market and
competitive analysis for international mutual fund products. Previously,
Rich held positions in the pricing and claims departments of Prudential
Property & Casualty with focus on both the automobile and homeowner’s
lines of business. Rich holds a Bachelor of Arts from Rider University and
a MBA in Finance from Fairleigh Dickinson University.
           Michael Young
Mr. Young is currently the Senior Director of Mitigation and Regulatory
Affairs Group at RMS and leads a team of actuaries and analysts to
provide support for getting RMS models accepted by state insurance
regulators. Michael has been with RMS for 5 years and has worked as
the lead wind vulnerability engineer at RMS, and was responsible for
development of vulnerability functions for wind perils such as hurricane
and tornados.

He has worked in commercial wind tunnel laboratories doing studies on
wind loads for a variety of buildings. Before joining RMS, he worked as a
modeler for 6 years at Applied Research Associates on hurricane
vulnerability risk models, and was involved in the development of the
HAZUS-MH software for hurricane risk assessment as well as studies on
mitigation cost effectiveness for building codes such as the 2001 Florida
Building Code and the North Carolina Building Code.

Mr. Young holds a Bachelors degree in Civil Engineering and a Masters
degree from the University of Western Ontario in Canada in Wind
                George Dale
George Dale is a Senior Governmental Affairs Advisor (non-lawyer) and a
member of the Governmental Relations Practice Team for Adams and
Reese in their Jackson office.

Prior to joining Adams and Reese, he served eight consecutive terms as
Insurance Commissioner of Mississippi. When elected to this position in
1975, Commissioner Dale made Mississippi history as the youngest
Insurance Commissioner to take office. Upon completing his eighth term,
Commissioner Dale was the longest-serving insurance commissioner in the
US. As Commissioner of Insurance he achieved full accreditation of the
Mississippi Insurance Department by the National Association of Insurance
Commissioners (NAIC) that recognized the department as one of the
leading insurance departments in the United States; and shepherded
Mississippi through eight hurricanes resulting in billions of dollars paid.

Prior to entering state government, Commissioner Dale was a teacher,
coach, and school administrator in the Moss Point public school system. In
1962, he earned his Bachelor of Science degree in Education from
Mississippi College, and earned his Master of Science degree in Education
in 1965 from Mississippi College.
           David D. Wood
Dr. David D. Wood, CPCU. is the Joseph F. Freeman Distinguished
Professor of Insurance in the Walker College of Business at Appalachian
State University. He joined the Appalachian faculty in 1985 and served as
Director of the Brantley Risk and Insurance Center for eleven years prior to
his appointment as Freeman Professor.

Dave has received several awards from the university, including the business
college's Outstanding Service Award, and outstanding teaching awards from
Appalachian's Alumni Association and the UNC Board of Governors. He has
also received education awards from the N.C. Surplus Lines Association, the
Independent Insurance Agents' Association of N. C., and an outstanding
service award from the N.C. Commissioner of Insurance.

Dave worked as an independent agent prior to his career in education. He
previously served as education consultant for the CIC program in N. C. His
research has been published in the CPCU Journal, Journal of Management,
Journal of Insurance Issues and Practices, Journal of Reinsurance, and the
Journal of Economics and Finance. He has also written numerous articles
for trade publications. Dave has served as a consultant to the industry, an
expert witness in cases involving insurance contract interpretation and
agents' standard of care, and conducts insurance agency valuations.
                    Jim Long
A native of Burlington, North Carolina, Jim Long was first elected to the
statewide post of Insurance Commissioner in 1984, and re-elected in
1988, 1992, 1996, 2000 and 2004.

He is now the senior member of the Council of State, made up of the
10 statewide elected officials. As Insurance Commissioner, Long
serves as State Fire Marshal. He chairs the NC Manufactured Housing
Board, the Arson Awareness Council and serves as a member of
numerous commissions and boards. Long is the past president and
vice president of the National Association of Insurance Commissioners.

Soon after being elected to his first term as Insurance Commissioner,
Long created the Seniors’ Health Insurance Information Program. In
1996, Long took the lead in organizing and chairing the North Carolina
SAFE KIDS Coalition. Long was also one of the founders of Special
Olympics North Carolina, which provides athletic competition to
mentally disabled North Carolina athletes.

As Insurance Commissioner, Long has emphasized consumer
advocacy through fair rate making, injury prevention efforts and close
regulation of insurance company solvency and industry practices.
               Belinda Miller
Belinda H. Miller is the Deputy Insurance Commissioner for P&C companies in
the State of Florida. She has worked for the Florida Office of Insurance
Regulation for many years. She started in 1985 in the receivership division.

Over the years, Belinda has been the Director of three different divisions,
including receivership, regulatory, and legal. Now she focuses on solvency
and rate and form regulation for Property and Casualty insurers.

Recently, Belinda was involved in the implementation of legislation in Florida
designed to reduce homeowners’ insurance rates. She has been active in
most of the troubled company issues in Florida for many years.

 Belinda served as an advisor and trainer for the Mediation Program done by
the Florida Department of Financial Services after the 2004-2005 hurricanes in
which the Department sponsored mediation sessions all over the state for
consumers to sit with the insurance company adjuster in a mediation to try to
resolve hurricane claims.

Belinda has a law degree from Florida State University and a bachelors’
degree from Emory University in International Studies.
    Scott H. Richardson
Scott H. Richardson was appointed as the Director of the South Carolina
Department of Insurance by Governor Mark Sanford on February 15, 2007.
Having served in the SC House of Representatives from 1992 - 1996 and
the SC Senate from January, 2000 until his appointment, Director
Richardson brings an unparalleled level of experience to the Department.

During his tenure in the Legislature, he served as Chairman of the House
Property and Casualty Subcommittee and served on the House Labor,
Commerce and Industry Committee and Senate Finance and Banking and
Insurance Committees. Director Richardson did extensive work on the SC
Reinsurance Facility, as well as the SC Automobile Insurance and Captive
Insurance laws.

In addition to his public service, he has firsthand knowledge of the insurance
business serving 21 years as an insurance agent. He is truly committed to
his community, serving on various boards and commissions.

Director Richardson graduated with a B.A. in Psychology, with honors, from
the University of Tennessee in 1974.
                   John Miletti
John Miletti currently serves as Vice President and Government Relations
Counsel for Travelers, a leading insurer of automobiles, homes and businesses
throughout the United States. He has primary responsibility for managing the
company’s Personal Insurance legislative and regulatory affairs countrywide.

Prior to joining Travelers in 1994, Miletti served as Counsel to the Insurance
Association of Connecticut where he represented the interests of Connecticut
insurers before the Connecticut Legislature and various state agencies. Prior
to that, Miletti held positions as a litigator in the Staff Counsel operations of The
Hartford Insurance Group and as an Associate in a Hartford-based law firm
specializing in insurance related litigation.

Miletti currently serves on the Governing Boards of the Texas Windstorm
Insurance Association, the Texas FAIR Plan, and the SC Wind and Hail
Underwriting Association. He has also served on the Governing Board of
Louisiana Citizens Property Insurance Corporation.

Miletti graduated with honors from the William Paterson University of New
Jersey and the Western New England College School of Law, where he served
on the Editorial Board of the school’s Law Review.
Leslie Chapman-Henderson
Leslie Chapman-Henderson is President/CEO of the Federal Alliance for Safe
Homes, Inc. - FLASH®, a national, non-profit corporation dedicated to
strengthening homes and safeguarding families from disaster.

Ms. Chapman-Henderson currently serves as a representative on the legislatively-
created My Safe Florida Home Advisory Council. Her past service includes
consumer representative and chair for the Florida Hurricane Catastrophe Fund
Advisory Council under Governor Charlie Crist and former Governor Jeb Bush,
guest lecturer at the University of Florida - School of Construction and one of the
Florida representatives to the Federal Communications Commission WARN
Committee. She was recently elected as a board trustee of the Florida
International University - International Hurricane Research Center.

Other past service includes trustee for the Florida Fire and Emergency Services
Foundation; consumer representative to the Louisiana Uniform Building Code Task
Force; consumer representative and vice chair on the 2005 Florida Legislative Task
Force on Long Term Solutions for Florida’s Hurricane Insurance Market; and
insurance consumer representative to the 2006 Property and Casualty Insurance
Reform Committee chaired by former Lt. Governor Toni Jennings.

She has a bachelor’s degree in political science from the University of Florida.