Document:

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                                                                     Exhibit 4.3

                                    AMENDMENT
                                     TO THE
                          REGISTRATION RIGHTS AGREEMENT

         This amendment, dated as of May 8, 2001 (this "AMENDMENT"), to the
Registration Rights Agreement (as defined below) is made by and among TA I
Limited, a limited liability company organized under the laws of England and
Wales ("TA I"), Profit Sharing (Overseas), Limited Partnership, an Alberta,
Canada Limited Partnership ("PROFIT SHARING") and Willis Group Holdings Limited,
a company with limited liability organized under the laws of Bermuda ("WILLIS
HOLDINGS").

                               W I T N E S S E T H

         WHEREAS, Profit Sharing, which is controlled by KKR 1996 Fund
(Overseas), Limited Partnership, and the non-management shareholders of TA I
have determined to exchange, directly or indirectly, their interests in TA I for
equivalent interests in Willis Holdings in order to facilitate certain potential
transactions, including a potential initial public offering of shares in Willis
Holdings in the United States; and

         WHEREAS, in connection with Willis Holdings' exchange offer, it is
necessary to amend, and the parties hereto desire to amend, certain provisions
of the Registration Rights Agreement to reflect the substitution of Willis
Holdings for TA I as the entity in which equity interests are held.

         NOW, THEREFORE, the parties hereto agree as follows:

                                   ARTICLE I
                                   DEFINITIONS

         SECTION 1.1. DEFINITIONS.

         (a) "REGISTRATION RIGHTS AGREEMENT" means the Registration Rights
Agreement, dated as of December 18, 1998, by and between TA I and Profit
Sharing.

         (b) Unless otherwise expressly defined herein, all defined terms shall
have the meanings ascribed thereto in the Registration Rights Agreement.

                                   ARTICLE II
                                   AMENDMENTS

         SECTION 2.1. REFERENCES TO THE "COMPANY".

         (a) Except as expressly set forth herein, the Registration Rights
Agreement is hereby amended by deleting the definition of the "Company"
contained therein and substituting therefor the following:

         "Willis Group Holdings Limited, a company with limited liability
         organized under the laws of Bermuda (the "Company")".

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         (b) Each party hereto hereby agrees that, except as expressly set forth
herein and except with respect to references of historical fact (such as what
agreements the "Company" or "TA I Limited" may have entered into prior to the
date hereof), (i) each and every reference to the "Company" in the Registration
Rights Agreement is to be read as a reference to Willis Holdings, (ii) each and
every reference to "TA I Limited" in the Registration Rights Agreement is to be
read as a reference to Willis Holdings, (iii) Willis Holdings shall be entitled
to all rights and privileges enjoyed by the "Company" thereunder, and shall be
subject to all liabilities and duties of the "Company" thereunder, and (iv) TA I
shall not have any rights or privileges and shall be released from and have no
liabilities or duties thereunder.

         SECTION 2.2. REFERENCES TO ORDINARY SHARES. The definition of "Ordinary
Shares" contained in Section 1 of the Registration Rights Agreement is hereby
amended by deleting such definition in its entirety and substituting therefor
the following:

         "ORDINARY SHARES". The common shares, par value $0.000115 per share, of
the Company and its successors."

         SECTION 2.3. AMENDMENT TO SECTION 7. Section 7 of the Registration
Rights Agreement is hereby amended by (i) replacing the clause that appears
immediately prior to the proviso contained therein that reads "one U.K. counsel"
with "one U.K. counsel or Bermuda counsel", and (ii) replacing the clause in the
proviso that reads "additional U.S. or U.K. counsel" with "additional U.S., U.K.
or Bermuda counsel".

         SECTION 2.4. AMENDMENT TO SECTION 8(E). Clause (i)(A) of Section 8(e)
of the Registration Rights Agreement is hereby amended by deleting such clause
in its entirety and substituting therefor the following:

         "(i)     (A) if to the Company, to it at:

                  Willis Group Holdings Limited
                  c/o The Company Secretary
                  Willis Group Limited
                  Ten Trinity Square
                  London  EC3P 3AX

                  with a copy to

                  Kohlberg Kravis Roberts & Co.
                  Stirling Square
                  7 Carlton Gardens
                  London  SW1Y 5AD
                  ATTENTION: Todd Fisher".

                                  ARTICLE III
                                  MISCELLANEOUS

         SECTION 3.1. EFFECTIVE TIME. This Amendment shall become effective as
of the date and year first written above.

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         SECTION 3.2. COUNTERPARTS. This Amendment may be executed
simultaneously or in any number of counterparts, each of which shall be deemed
to be an original, and all of which shall constitute one and the same
instrument.

         SECTION 3.3. CONSTRUCTION AND GOVERNING LAW. This Amendment shall be
construed together with, and as part of, the Registration Agreement and shall be
governed in all respects by the laws of New York, as such laws are applied to
agreements to be performed entirely in such jurisdictions.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK.]

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         IN WITNESS WHEREOF, the undersigned have executed this Amendment as of
the date first written above.

                            TA I LIMITED

                            By:  /s/ Joseph J. Plumeri
                                ----------------------------------------------
                                     Name:  Joseph J. Plumeri
                                     Title: Executive Chairman

                            PROFIT SHARING (OVERSEAS), LIMITED PARTNERSHIP

                            By:  /s/ T.A. Fisher
                                ----------------------------------------------
                                     Name:  T.A. Fisher
                                     Title: Director

                            WILLIS GROUP HOLDINGS LIMITED

                            By:  /s/ Joseph J. Plumeri
                                ----------------------------------------------
                                     Name:  Joseph J. Plumeri
                                     Title: Executive Chairman<PAGE>
                                                                     Exhibit 4.4

                          REGISTRATION RIGHTS AGREEMENT

                  REGISTRATION RIGHTS AGREEMENT dated as of July 21, 1998 among
TA I Limited, a limited liability company organized under the laws of England
and Wales ("NEWCO 1"), TA II Limited, a limited liability company organized
under the laws of England and Wales ("NEWCO 2" and, together with Newco 1, the
"ISSUERS"), and each of the holders of Registrable Securities (as defined below)
whose names appear on the signature pages hereof (the "PURCHASERS").

                                    RECITALS

                  Pursuant to a Share Subscription Agreement dated as of the
date hereof among Newco 1, Newco 2 and the Purchasers (the "SUBSCRIPTION
AGREEMENT"), the Purchasers have agreed to subscribe for, in the aggregate,
9,666,667 ordinary shares, par value L0.10 per share, of Newco 1 (the "ORDINARY
SHARES") and 10,164,693 preferred shares, redemption value $25.00 per share, of
Newco 2 (the "PREFERRED SHARES").

                  Each Issuer desires to provide to the Purchasers and each
other Holder rights to registration under the Securities Act (as defined below)
of Registrable Securities, on the terms and subject to the conditions set forth
herein.

                                    AGREEMENT

                  The rights and obligations of the parties to this Agreement
shall be conditioned upon the closing of the subscription and issuance of the
Ordinary Shares and Preferred Shares pursuant to the Subscription Agreement.

                  1. DEFINITIONS. As used in this Agreement, the following
capitalized terms shall have the following respective meanings:

                  "ADSs": American Depositary Shares, each representing one or
         more Ordinary Shares or Preferred Shares and represented by American
         Depositary Receipts of the relevant Issuer.

                  "CLASS": the Ordinary Shares or the Preferred Shares,
         respectively, together with any ADSs representing Ordinary Shares or
         Preferred Shares, as the case may be.

                  "DEMAND PARTY": (a) each of the Purchasers and (b) any other
         Holder or Holders, including, without limitation, any Person that may
         become an assignee of the rights of any of the Purchasers hereunder;
         PROVIDED that to be a Demand Party under this clause (b), a Holder or
         Holders must either individually or in aggregate with all other Holders
         with whom it is acting together to demand registration own at least
         20%, in the case of the first three demands, and 10%, in the case of
         the final demand, of the total number of Registrable Securities of the
         Class sought to be registered.

                  "EXCHANGE ACT": the U.S. Securities Exchange Act of 1934, as
         amended, or any similar federal statute then in effect, and a reference
         to a particular section thereof shall

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         be deemed to include a reference to the comparable section, if any, of
         any such similar federal statute.

                  "HOLDER": the Purchasers and any other holder of Registrable
         Securities (including any direct or indirect transferee of any of the
         Purchasers who agrees in writing to be bound by the provisions of this
         Agreement).

                  "MAJORITY INTEREST": with respect to any registration of
         shares of a Class, the Holders of a majority of the Registrable
         Securities of such Class that have been requested to be included and
         are included in a registration under this Agreement.

                  "OTHER HOLDERS": any Person that holds securities of the same
         Class as the Registrable Securities and has rights to have such
         securities registered under the Securities Act.

                  "PERSON": any individual, partnership, joint venture,
         corporation, limited liability company, trust, unincorporated
         organization or government or any department or agency thereof.

                  "REGISTRABLE SECURITIES": any Ordinary Shares or Preferred
         Shares acquired by the Purchasers from the Issuer thereof or any
         affiliate of the Issuers, or ADSs representing any such securities, and
         any Ordinary Shares, Preferred Shares or ADSs which may be issued or
         distributed in respect thereof by way of stock dividend or stock split
         or other distribution, recapitalization or reclassification. Any
         particular Registrable Securities that are issued shall cease to be
         Registrable Securities when (i) a registration statement with respect
         to the sale by the Holder of such securities shall have become
         effective under the Securities Act and such securities shall have been
         disposed of in accordance with such registration statement, (ii) such
         securities shall have been distributed to the public pursuant to Rule
         144 (or any successor provision) under the Securities Act, (iii) such
         securities shall have been otherwise transferred, new certificates for
         such securities not bearing a legend restricting further transfer shall
         have been delivered by the relevant Issuer and subsequent disposition
         of such securities shall not require registration or qualification of
         such securities under the Securities Act or any state securities or
         blue sky law then in force, or (iv) such securities shall have ceased
         to be outstanding.

                  "REGISTRATION EXPENSES": any and all expenses incident to
         performance of or compliance with this Agreement, including, without
         limitation, (i) all SEC and stock exchange or National Association of
         Securities Dealers, Inc. (the "NASD") registration and filing fees
         (including, if applicable, the fees and expenses of any "qualified
         independent underwriter," as such term is defined in Schedule E to the
         By-laws of the NASD, and of its counsel), (ii) all fees and expenses of
         complying with securities or blue sky laws (including fees and
         disbursements of counsel for the underwriters in connection with blue
         sky qualifications of the Registrable Securities), (iii) all printing,
         messenger and delivery expenses, (iv) all fees and expenses incurred in
         connection with the listing of the Registrable Securities on any
         securities exchange pursuant to clause (viii) of Section 4 and, in the
         case of Preferred Shares or ADSs representing Preferred Shares, all

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         rating agency fees incurred in connection with obtaining a rating
         thereof, (v) the fees and disbursements of counsel for the Issuer and
         of its independent public accountants, including the expenses of any
         special audits and/or "cold comfort" letters required by or incident to
         such performance and compliance, (vi) the reasonable fees and
         disbursements of counsel selected pursuant to Section 6 in connection
         with each such registration, (vii) all fees and disbursements of
         underwriters customarily paid by the issuers or sellers of securities,
         including liability insurance if the relevant Issuer so desires or if
         the underwriters so require, and the reasonable fees and expenses of
         any special experts retained in connection with the requested
         registration, but excluding underwriting discounts and commissions and
         transfer taxes, if any, (viii) all fees and expenses incurred in
         connection with the creation of ADSs, including the reasonable fees and
         disbursements of the depositary for such ADSs that the relevant Issuer,
         and not the depositary, is required to pay, and (ix) other reasonable
         out-of-pocket expenses of the Holders (PROVIDED that such expenses
         shall not include expenses of counsel other than those provided for in
         clause (vi) above).

                  "SECURITIES ACT": the U.S. Securities Act of 1933, as amended,
         or any similar federal statute then in effect, and a reference to a
         particular section thereof shall be deemed to include a reference to
         the comparable section, if any, of any such similar federal statute.

                  "SEC": the U.S. Securities and Exchange Commission or any
         other federal agency at the time administering the Securities Act or
         the Exchange Act.

         2. INCIDENTAL REGISTRATIONS. (a) RIGHT TO INCLUDE REGISTRABLE
SECURITIES. If either Issuer at any time after the date hereof proposes to
register shares of a Class (or any security which is convertible into or
exercisable or exchangeable for shares of such Class) under the Securities Act
(other than a registration on Form S-4, F-4 or S-8, or any successor or other
forms promulgated for similar purposes), whether or not for sale for its own
account, in a manner which would permit registration of Registrable Securities
of such Class for sale to the public under the Securities Act, such issuer will,
at each such time, give prompt written notice to all Holders of its Registrable
Securities of such Class of its intention to do so and of such Holders' rights
under this Section 2. Upon the written request of any such Holder made within 15
days after the receipt of any such notice (which request shall specify the
Registrable Securities of such Class intended to be disposed of by such Holder),
the relevant Issuer will use its reasonable efforts to effect the registration
under the Securities Act of all Registrable Securities of such Class which it
has been so requested to register by the Holders thereof, to the extent
requisite to permit the disposition of such Registrable Securities so to be
registered; PROVIDED that:

                  (i) if, at any time after giving written notice of its
         intention to register any securities and prior to the effective date of
         the registration statement filed in connection with such registration,
         the relevant Issuer shall determine for any reason not to proceed with
         the proposed registration of the securities, if any, to be sold by it,
         such Issuer may, at its election, give written notice of such
         determination to each Holder of Registrable Securities of such Class
         and, thereupon, shall be relieved of its obligation to register any
         Registrable Securities of such Class in connection with such
         registration (but not from its obligation to pay the Registration
         Expenses in connection therewith), and

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                  (ii) if such registration involves an underwritten offering by
         the relevant Issuer, all Holders requesting to be included in such
         registration as provided herein must sell their Registrable Securities
         to the underwriters selected by the relevant Issuer on the same terms
         and conditions as apply to such Issuer, with such differences,
         including any with respect to indemnification and liability insurance,
         as may be customary or appropriate in combined primary and secondary
         offerings.

If a registration requested pursuant to this Section 2(a) involves an
underwritten public offering, any Holder requesting to be included in such
registration may elect, in writing prior to the effective date of the
registration statement filed in connection with such registration, not to
register such securities in connection with such registration.

         (b) EXPENSES. The relevant Issuer will pay all Registration Expenses in
connection with each registration of Registrable Securities requested pursuant
to this Section 2.

         (c) PRIORITY IN INCIDENTAL REGISTRATIONS. If a registration pursuant to
this Section 2 involves an underwritten offering and the managing underwriter
advises the relevant Issuer in writing that, in its opinion, the number of
securities to be included in such registration exceeds the number which can be
sold in such offering so as to be reasonably likely to have an adverse effect on
the price, timing or distribution of the securities offered in such offering,
then the relevant Issuer will include in such registration (i) first, 100% of
the securities, if any, such Issuer proposes to sell and (ii) second, the number
of Registrable Securities and securities of the same Class as the Registrable
Securities which the Holders and Other Holders, as the case may be, have
requested to be included in such registration which, in the opinion of such
managing underwriter, can be sold without having the adverse effect referred to
above, such amount to be allocated pro rata among all requesting Holders and
Other Holders on the basis of the relative number of Registrable Securities of
the Class being registered and securities of such Class then held by each such
Holder and Other Holder (provided that any shares thereby allocated to any such
Holder or Other Holder that exceed such Holder's or Other Holder's request will
be reallocated among the remaining requesting Holders and Other Holders in like
manner).

         3. REGISTRATION ON REQUEST. (a) REQUEST BY A DEMAND PARTY. Upon the
written request of any Demand Party at any time beginning 180 days after an
initial public offering in the United States of Ordinary Shares pursuant to a
registration statement that has been declared effective under the Securities Act
(the Demand Party making such written request, the "INITIATING DEMAND PARTY")
requesting that the relevant Issuer effect the registration under the Securities
Act of all or part of such Initiating Demand Party's Registrable Securities and
specifying the Class of Registrable Securities and the amount and intended
method of disposition thereof, the relevant Issuer of such Registrable
Securities will promptly give written notice of such requested registration to
all other Holders of Registrable Securities of such Class and to all Other
Holders of securities of such Class, and thereupon will, as expeditiously as
possible, use its reasonable efforts to effect the registration under the
Securities Act of:

                  (i) such Registrable Securities which such Issuer has been so
         requested to register by the Initiating Demand Party (and, if such
         request includes ADSs,

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         the Ordinary Shares or Preferred Shares, as the case may be,
         represented by such ADSs); and

                  (ii) all other Registrable Securities of the same Class and
         securities of such Class as those that are to be registered at the
         request of the Initiating Demand Party and which such Issuer has been
         requested to register by any other Holder and any Other Holder by
         written request given to such Issuer within 15 days after the giving of
         such written notice by such Issuer (which request shall specify the
         amount and intended method of disposition of such Registrable
         Securities and securities of such Class),

all to the extent necessary to permit the disposition (in accordance with the
intended method thereof as aforesaid) of the Registrable Securities and
securities of such Class to be so registered; PROVIDED that:

                  (A) neither Issuer shall be obligated to effect any
         registration of Registrable Securities under this Section 3(a) unless
         the Demand Party requests that such Issuer register at least 20% in the
         case of the first three demands, and 10% in the case of the final
         demand, of the total number of Registrable Securities of the applicable
         Class; and

                  (B) neither Issuer shall be obligated to effect any
         registration of Registrable Securities under this Section 3(a) at the
         request of a Demand Party after a total of four registrations of
         Registrable Securities shall have been effected by the Issuers at the
         request of Demand Parties;

and, PROVIDED, FURTHER, that the Issuer of such Class shall not be obligated to
file a registration statement relating to any registration request under this
Section 3(a):

                  (x) within a period of six months after the effective date of
         any other registration statement relating to any registration request
         under this Section 3(a) which was not effected on Form S-3 or Form F-3
         (or any successor or similar short-form registration statement) or
         relating to any registration effected under Section 2;

                  (y) if with respect thereto the managing underwriter, the SEC,
         the Securities Act or the rules and regulations thereunder, or the form
         on which the registration statement is to be filed, would require the
         conduct of an audit other than the regular audit conducted by the
         Issuer at the end of its fiscal year, in which case the filing may be
         delayed until the completion of such regular audit; or

                  (z) if such Issuer is in possession of material non-public
         information and the Board of Directors of such Issuer determines in
         good faith that disclosure of such information would not be in the best
         interests of such Issuer and its shareholders, in which case the filing
         of the registration statement may be delayed until the earlier of the
         second business day after such conditions shall have ceased to exist
         and the 90th day after receipt by such Issuer of the written request
         from a Demand Holder to register Registrable Securities under this
         Section 3(a).

         (b) REGISTRATION STATEMENT FORM. If any registration requested pursuant
to this Section 3 which is proposed by the relevant Issuer to be effected by the
filing of a registration

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statement on Form S-3 or Form F-3 (or any successor or similar short-form
registration statement) shall be in connection with an underwritten public
offering, and if the managing underwriter shall advise such Issuer in writing
that, in its opinion, the use of another form of registration statement is of
material importance to the success of such proposed offering, then such
registration shall be effected on such other form.

         (c) EXPENSES. The relevant Issuer will pay all Registration Expenses in
connection with a total of up to four registrations of Registrable Securities
under this Section 3 upon the request of a Demand Party. All expenses for any
subsequent registrations of Registrable Securities pursuant to this Section 3
shall be paid pro rata by the relevant Issuer and all other Persons (including
the Holders) participating in such registration on the basis of the relative
number of shares of the applicable Class of each such Person whose securities
are included in such registration.

         (d) EFFECTIVE REGISTRATION STATEMENT. A registration requested pursuant
to this Section 3 will not be deemed to have been effected unless it has become
effective; PROVIDED that if, within 180 days after it has become effective, the
offering of Registrable Securities pursuant to such registration is interfered
with by any stop order, injunction or other order or requirement of the SEC or
other governmental agency or court, such registration will be deemed not to have
been effected.

         (e) SELECTION OF UNDERWRITERS. If a requested registration pursuant to
this Section 3 involves an underwritten offering, the relevant Issuer shall have
the right to select the investment banker or bankers and managers to administer
the offering; PROVIDED, HOWEVER, that such investment banker or bankers and
managers shall be reasonably satisfactory to a Majority Interest of the
applicable Class.

         (f) PRIORITY IN REQUESTED REGISTRATIONS. If a requested registration
pursuant to this Section 3 involves an underwritten offering and the managing
underwriter advises the relevant Issuer in writing that, in its opinion, the
number of securities requested to be included in such registration (including
securities of such Issuer which are not Registrable Securities) exceeds the
number which can be sold in such offering without a reasonable likelihood of an
adverse effect on the price, timing or distribution of the securities offered in
such offering, then such Issuer will include in such registration only the
Registrable Securities requested to be included in such registration. If the
number of Registrable Securities requested to be included in such registration
and securities of Other Holders requested to be included in such registration
exceeds the number which, in the opinion of such managing underwriter, can be
sold in such offering without a reasonable likelihood of an adverse effect on
the price, timing or distribution of the securities offered in such offering,
then the number of such Registrable Securities and securities of Other Holders
to be included in such registration shall be allocated first, to the requesting
Holders and, second, to the Other Holders on the basis of the relative number of
Registrable Securities and securities of Other Holders, as the case may be,
requested to be included in such registration of the applicable Class then held
by each such Holder and Other Holder (PROVIDED that any shares thereby allocated
to any such Holder or Other Holder that exceed such Holder's request shall be
reallocated among the remaining requesting Holders and Other Holders in like
manner). If the number of Registrable Securities requested to be included in
such registration and securities of Other Holders requested to be included in
such registration

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is less than the number which, in the opinion of the managing underwriter, can
be sold without the adverse effect referred to above, the relevant Issuer may
include in such registration securities of the same Class up to the number of
such securities that, in the opinion of the underwriter, can be sold without
having such adverse effect.

         4. REGISTRATION PROCEDURES. If and whenever an Issuer is required to
use its reasonable efforts to effect or cause the registration of any
Registrable Securities under the Securities Act as provided in this Agreement,
such Issuer shall, as expeditiously as possible:

                  (i) prepare and, in any event within 90 days, file and, in the
         case of ADSs, cause to be filed with the SEC a registration statement
         or statements, if necessary, covering such Registrable Securities and
         use its best efforts to cause such registration statement or statements
         to become effective; PROVIDED that such Issuer may discontinue any
         registration of its securities which is being effected pursuant to
         Section 2 at any time prior to the effective date of the registration
         statement relating thereto;

                  (ii) prepare and file with the SEC such amendments and
         supplements to such registration statement or statements and the
         prospectus used in connection therewith as may be necessary to keep
         such registration statement or statements effective for a period not in
         excess of 270 days and to comply with the provisions of the Securities
         Act, the Exchange Act and the rules and regulations of the SEC
         thereunder with respect to the disposition of all securities covered by
         such registration statement or statements during such period in
         accordance with the intended methods of disposition by the seller or
         sellers thereof set forth in such registration statement or statements;
         PROVIDED that before filing a registration statement or prospectus, or
         any amendments or supplements thereto, such Issuer will furnish to
         counsel selected pursuant to Section (6) hereof by the Holders of the
         Registrable Securities covered by such registration statement to
         represent such Holders, copies of all documents proposed to be filed,
         which documents will be subject to the review of such counsel;

                  (iii) furnish to each seller of such Registrable Securities
         such number of copies of such registration statement or statements and
         of each amendment and supplement thereto (in each case including all
         exhibits filed therewith, including any documents incorporated by
         reference), such number of copies of the prospectus included in such
         registration statement or statements (including each preliminary
         prospectus and summary prospectus), in conformity with the requirements
         of the Securities Act, and such other documents as such seller may
         reasonably request in order to facilitate the disposition of the
         Registrable Securities by such seller;

                  (iv) use its reasonable efforts to register or qualify such
         Registrable Securities covered by such registration in such
         jurisdictions as each seller shall reasonably request, and do any and
         all other acts and things which may be reasonably necessary or
         advisable to enable such seller to consummate the disposition in such
         jurisdictions of the Registrable Securities owned by such seller,
         except that such Issuer shall not for any such purpose be required to
         qualify generally to do business as a foreign corporation in any
         jurisdiction where, but for the requirements of this clause (iv), it
         would

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         not be obligated to be so qualified, to subject itself to taxation in
         any such jurisdiction or to consent to general service of process in
         any such jurisdiction;

                  (v) use its reasonable efforts to cause such Registrable
         Securities covered by such registration statement or statements to be
         registered with or approved by such other governmental agencies or
         authorities as may be necessary to enable the seller or sellers thereof
         to consummate the disposition of such Registrable Securities;

                  (vi) promptly notify each seller of such Registrable
         Securities covered by such registration statement or statements at any
         time when a prospectus relating thereto is required to be delivered
         under the Securities Act within the appropriate period mentioned in
         clause (ii) of this Section 4, of such Issuer's becoming aware that the
         prospectus included in any such registration statement, as then in
         effect, includes an untrue statement of a material fact or omits to
         state a material fact required to be stated therein or necessary to
         make the statements therein not misleading in the light of the
         circumstances then existing, and at the request of any such seller,
         promptly prepare and furnish to such seller a reasonable number of
         copies of an amended or supplemental prospectus as may be necessary so
         that, as thereafter delivered to the purchasers of such Registrable
         Securities, such prospectus shall not include an untrue statement of a
         material fact or omit to state a material fact required to be stated
         therein or necessary to make the statements therein not misleading in
         the light of the circumstances then existing;

                  (vii) otherwise use its reasonable efforts to comply with all
         applicable rules and regulations of the SEC, and make available to its
         security holders, as soon as reasonably practicable (but not more than
         eighteen months) after the earliest effective date of the registration
         statement or statements, an earnings statement which shall satisfy the
         provisions of Section 11(a) of the Securities Act and the rules and
         regulations promulgated thereunder;

                  (viii) (A) use its reasonable efforts to list such Registrable
         Securities on any securities exchange on which the Ordinary Shares or
         ADSs representing Ordinary Shares are then listed if such Registrable
         Securities are not already so listed and if such listing is then
         permitted under the rules of such exchange and (B) use its reasonable
         efforts to provide a transfer agent and registrar for such Registrable
         Securities covered by such registration statement not later than the
         effective date of such registration statement;

                  (ix) enter into such customary agreements (including an
         underwriting agreement in customary form), which may include
         indemnification provisions in favor of underwriters and other persons
         in addition to, or in substitution for the provisions of Section 5
         hereof, and take such other actions as the seller or sellers of a
         Majority Interest of such Registrable Securities or the underwriters,
         if any, reasonably request in order to expedite or facilitate the
         disposition of such Registrable Securities;

                  (x) if requested by a Majority Interest of such Registrable
         Securities, enter into a deposit agreement in customary form for the
         creation of ADSs representing Ordinary Shares or Preferred Shares, as
         the case may be, and take all other actions as a Majority Interest of
         such Registrable Securities reasonably requests in order to facilitate

                                       8

<PAGE>

         the creation and issuance of such ADSs; PROVIDED that after ADSs
         representing Ordinary Shares or Preferred Shares, as the case may be,
         have been created, such Issuer shall only be required pursuant to this
         clause (x) to create additional ADSs representing the same number of
         Ordinary Shares or Preferred Shares, as the case may be, per ADS as the
         ADSs that previously were created and issued;

                  (xi) obtain a "cold comfort" letter or letters from its
         independent public accounts in customary form and covering matters of
         the type customarily covered by "cold comfort" letters as the seller or
         sellers of a Majority Interest of such Registrable Securities shall
         reasonably request;

                  (xii) make available for inspection by any seller of such
         Registrable Securities covered by such registration statement or
         statements, by any underwriter participating in any disposition to be
         effected pursuant to such registration statement or statements, by any
         depositary with respect to Registrable Securities covered by such
         registration statement or statements and by any attorney, accountant or
         other agent retained by any such seller or any such underwriter or
         depositary, all pertinent financial and other records, pertinent
         corporate documents and properties of such Issuer, and cause all of
         such Issuer's officers, directors and employees to supply all
         information reasonably requested by any such seller, underwriter,
         attorney, accountant or agent in connection with such registration
         statement or statements;

                  (xiii) notify counsel (selected pursuant to Section 6 hereof)
         for the Holders of Registrable Securities included in such registration
         statement or statements and the managing underwriter or agent,
         immediately, and confirm the notice in writing (A) when such
         registration statement or statements, or any post-effective amendment
         thereto, shall have become effective, or any supplement to any
         prospectus or any amendment to any prospectus shall have been filed,
         (B) of the receipt of any comments from the SEC, (C) of any request of
         the SEC to amend such registration statement or statements or amend or
         supplement any prospectus or for additional information, and (D) of the
         issuance by the SEC of any stop order suspending the effectiveness of
         such registration statement or statements or of any order preventing or
         suspending the use of any preliminary prospectus, or of the suspension
         of the qualification of such registration statement or statements for
         offering or sale in any jurisdiction, or of the institution or
         threatening of any proceedings for any of such purposes;

                  (xiv) make every reasonable effort to prevent the issuance of
         any stop order suspending the effectiveness of such registration
         statement or statements or of any order preventing or suspending the
         use of any preliminary prospectus and, if any such order is issued, to
         obtain the withdrawal of any such order at the earliest possible
         moment;

                  (xv) if requested by the managing underwriter or agent or any
         Holder of Registrable Securities covered by such registration statement
         or statements, promptly incorporate and, in the case of ADSs, cause to
         be incorporated in a prospectus supplement or post-effective amendment
         such information as the managing underwriter or agent or such Holder
         reasonably requests to be included therein, including, without

                                       9

<PAGE>

         limitation, with respect to the number of Registrable Securities being
         sold by such Holder to such underwriter or agent, the purchase price
         being paid therefor by such underwriter or agent and with respect to
         any other terms of the underwritten offering of the Registrable
         Securities to be sold in such offering; and make and, in the case of
         ADSs, cause to be made all required filings of such prospectus
         supplement or post-effective amendment as soon as practicable after
         being notified of the matters incorporated in such prospectus
         supplement or post-effective amendment;

                  (xvi) cooperate with the Holders of Registrable Securities
         covered by such registration statement or statements and the managing
         underwriter or agent or depositary, if any, to facilitate the timely
         preparation and delivery of certificates (not bearing any restrictive
         legends) representing the securities to be sold under such registration
         statement or statements, and enable such securities to be in such
         denominations and registered in such names as the managing underwriter
         or agent or depositary, if any, or such Holders may request;

                  (xvii) obtain for delivery to the Holders of Registrable
         Securities being registered and to the underwriter or agent or
         depositary, if any, an opinion or opinions from counsel for such Issuer
         in customary form and in form, substance and scope reasonably
         satisfactory to such Holders, underwriters or agents or depositary and
         their counsel; and

                  (xviii) cooperate with each seller of Registrable Securities
         and each underwriter or agent participating in the disposition of such
         Registrable Securities and their respective counsel in connection with
         any filings required to be made with the NASD.

         Each Issuer may require each seller of Registrable Securities as to
which any registration is being effected to furnish such Issuer with such
information regarding such seller and pertinent to the disclosure requirements
relating to the registration and the distribution of such securities as such
Issuer may from time to time reasonably request in writing.

         Each Holder of Registrable Securities agrees that, upon receipt of any
notice from an Issuer of the happening of any event of the kind described in
clause (vi) of this Section 4, such Holder will forthwith discontinue
disposition of Registrable Securities pursuant to the registration statement or
statements covering such Registrable Securities until such Holder's receipt of
the copies of the supplemented or amended prospectus contemplated by clause (vi)
of this Section 4, and, if so directed by such Issuer, such Holder will deliver
to such Issuer (at such Issuer's expense) all copies, other than permanent file
copies then in such Holder's possession, of any prospectus covering such
Registrable Securities current at the time of receipt of such notice. In the
event such Issuer shall give any such notice, the period mentioned in clause
(ii) of this Section 4 shall be extended by the number of days during the period
from and including the date of the giving of such notice pursuant to clause (vi)
of this Section 4 and including the date when each seller of Registrable
Securities covered by such registration statement or statements shall have
received the copies of the supplemented or amended prospectus contemplated by
clause (vi) of this Section 4.

                                       10

<PAGE>

         5. INDEMNIFICATION. (a) INDEMNIFICATION BY AN ISSUER. In the event of
any registration of any securities of an Issuer under the Securities Act
pursuant to Section 2 or 3, such Issuer will, and it hereby does, indemnify and
hold harmless, to the extent permitted by law, the seller of any Registrable
Securities covered by any such registration statement, each affiliate of such
seller and their respective directors and officers, each other Person who
participates as an underwriter in the offering or sale of such securities and
each other Person, if any, who controls such seller or any such underwriter
within the meaning of the Securities Act (collectively, the "INDEMNIFIED
PARTIES"), against any and all losses, claims, damages or liabilities, joint or
several, and expenses (including reasonable attorney's fees and reasonable
expenses of investigation) to which such Indemnified Party may become subject
under the Securities Act, at common law or otherwise, insofar as such losses,
claims, damages or liabilities (or actions or proceedings in respect thereof,
whether or not such Indemnified Party is a party thereto) arise out of or are
based upon (a) any untrue statement or alleged untrue statement of any material
fact contained in any registration statement under which such securities were
registered under the Securities Act, any preliminary, final or summary
prospectus contained therein, or any amendment or supplement thereto, or (b) any
omission or alleged omission to state therein a material fact required to be
stated therein or necessary to make the statements therein (in the case of a
prospectus, in light of the circumstances under which they were made) not
misleading, and such Issuer will reimburse such Indemnified Party for any legal
or any other expenses reasonably incurred by it in connection with investigating
or defending against any such loss, claim, liability, action or proceeding;
PROVIDED that such Issuer shall not be liable to any Indemnified Party in any
such case to the extent that any such loss, claim, damage, liability (or action
or proceeding in respect thereof) or expense arises out of or is based upon any
untrue statement or alleged untrue statement or omission or alleged omission
made in any such registration statement or amendment or supplement thereto or in
any such preliminary, final or summary prospectus in reliance upon and in
conformity with written information relating to such seller furnished to such
Issuer through an instrument duly executed by such seller specifically stating
that it is for use in the preparation thereof; and PROVIDED, FURTHER, that such
Issuer will not be liable to any Person who participates as an underwriter in
the offering or sale of Registrable Securities or any other Person, if any, who
controls such underwriter within the meaning of the Securities Act, under the
indemnity agreement in this Section 5(a) with respect to any preliminary
prospectus or the final prospectus or the final prospectus as amended or
supplemented, as the case may be, to the extent that any such loss, claim,
damage or liability of such underwriter or controlling Person results from the
fact that such underwriter sold Registrable Securities to a person to whom there
was not sent or given, at or prior to the written confirmation of such sale, a
copy of the final prospectus or of the final prospectus as then amended or
supplemented, whichever is most recent, if such Issuer has previously furnished
copies thereof to such underwriter. For purposes of the last proviso to the
immediately preceding sentence, the term "prospectus" shall not be deemed to
include the documents incorporated therein by reference, and no Person who
participates as an underwriter in the offering or sale of Registrable Securities
or any other Person, if any, who controls such underwriter within the meaning of
the Securities Act, shall be obligated to send or give any supplement or
amendment to any document incorporated by reference in any preliminary
prospectus or the final prospectus to any person other than a person to whom
such underwriter had delivered such incorporated document or documents in
response to a written request therefor. Such indemnity shall remain in full
force and effect regardless of any investigation made by or on behalf of such
seller or any Indemnified Party and shall survive the transfer of such
securities by such seller.

                                       11

<PAGE>

         (a) INDEMNIFICATION BY THE SELLER. An Issuer may require, as a
condition to including any Registrable Securities in any registration statement
filed in accordance with Section 4 hereof, that such Issuer shall have received
an undertaking reasonably satisfactory to it from the prospective seller of such
Registrable Securities or any underwriter to indemnify and hold harmless (in the
same manner and to the same extent as set forth in Section 5(a)) such Issuer or
any of its affiliates, directors, officers or controlling Persons and all other
prospective sellers with respect to any untrue statement or alleged untrue
statement in or omission or alleged omission from such registration statement,
any preliminary, final or summary prospectus contained therein, or any amendment
or supplement, if such untrue statement or alleged untrue statement or omission
or alleged omission was made in reliance upon and in conformity with written
information relating to such seller or underwriter furnished to such Issuer
through an instrument duly executed by such seller or underwriter specifically
stating that it is for use in the preparation of such registration statement,
preliminary, final or summary prospectus or amendment or supplement, or a
document incorporated by reference into any of the foregoing. Such indemnity
shall remain in full force and effect regardless of any investigation made by or
on behalf of the Issuer or any of the prospective sellers, or any of their
respective affiliates, directors, officers or controlling Persons and shall
survive the transfer of such securities by such seller. In no event shall the
liability of any selling Holder of Registrable Securities hereunder be greater
in amount than the dollar amount of the proceeds received by such Holder upon
the sale of the Registrable Securities giving rise to such indemnification
obligation.

         (b) NOTICES OF CLAIMS, ETC. Promptly after receipt by an Indemnified
Party hereunder of written notice of the commencement of any action or
proceeding with respect to which a claim for indemnification may be made
pursuant to this Section 5, such Indemnified Party will, if a claim in respect
thereof is to be made against an indemnifying party, give written notice to the
latter of the commencement of such action; PROVIDED that the failure of the
Indemnified Party to give notice as provided herein shall not relieve the
indemnifying party of its obligations under the foregoing provisions of this
Section 5, except to the extent that the indemnifying party is actually
prejudiced by such failure to give notice. In case any such action is brought
against an Indemnified Party, unless in such Indemnified Party's reasonable
judgment a conflict of interest between such Indemnified Party and indemnifying
parties may exist in respect of such claim, the indemnifying party will be
entitled to participate in and to assume the defense thereof, jointly with any
other indemnifying party similarly notified to the extent that it may wish, with
counsel reasonably satisfactory to such Indemnified Party, and after notice from
the indemnifying party to such Indemnified Party of its election so to assume
the defense thereof, the indemnifying party will not be liable to such
Indemnified Party for any legal or other expenses subsequently incurred by the
latter in connection with the defense thereof other than reasonable costs of
investigation. No indemnifying party will consent to entry of any judgment or
enter into any settlement which does not include as an unconditional term
thereof, the giving by the claimant or plaintiff to such Indemnified Party of a
release from all liability in respect to such claim or litigation.

         (c) CONTRIBUTION. If the indemnification provided for in this Section 5
from the indemnifying party is unavailable to an Indemnified Party hereunder in
respect of any losses, claims, damages, liabilities or expenses referred to
herein, then the indemnifying party, in lieu of indemnifying such Indemnified
Party, shall contribute to the amount paid or payable by such

                                       12

<PAGE>

Indemnified Party as a result of such losses, claims, damages, liabilities or
expenses in such proportion as is appropriate to reflect the relative fault of
the indemnifying party and Indemnified Parties in connection with the actions
which resulted in such losses, claims, damages, liabilities or expenses, as well
as any other relevant equitable considerations. The relative fault of such
indemnifying party and Indemnified Parties shall be determined by reference to,
among other things, whether any action in question, including any untrue or
alleged untrue statement of a material fact or omission or alleged omission to
state a material fact, has been made by, or relates to information supplied by,
such indemnifying party or Indemnified Parties, and the parties' relative
intent, knowledge, access to information and opportunity to correct or prevent
such action. The amount paid or payable by a party under this Section 5(d) as a
result of the losses, claims, damages, liabilities and expenses referred to
above shall be deemed to include any legal or other fees or expenses reasonably
incurred by such party in connection with any investigation or proceeding.

         The parties hereto agree that it would not be just and equitable if
contribution pursuant to this Section 5(d) were determined by pro rata
allocation or by any other method of allocation which does not take account of
the equitable considerations referred to in the immediately preceding paragraph.
No Person guilty of fraudulent misrepresentation (within the meaning of Section
11(f) of the Securities Act) shall be entitled to contribution from any Person
who was not guilty of such fraudulent misrepresentation.

         (d) OTHER INDEMNIFICATION. Indemnification similar to that specified in
the preceding subdivisions of this Section 5 (with appropriate modifications)
shall be given by the Issuer of the applicable Class and each seller of
Registrable Securities with respect to any required registration or other
qualification of securities under any federal or state law or regulation or
governmental authority other than the Securities Act.

         (e) NON-EXCLUSIVITY. The obligations of the parties under this
Section 5 shall be in addition to any liability which any party may otherwise
have to any other party.

         6. SELECTION OF COUNSEL. In connection with any registration of
Registrable Securities pursuant to Sections 2 and 3 hereof, the Holders of a
Majority Interest of the Registrable Securities covered by any such registration
may select one U.S. counsel to represent all Holders of Registrable Securities
covered by such registration, and to the extent necessary, one U.K. counsel.

         7. RULE 144. The Issuers hereby covenant with the Holders of
Registrable Securities that if and to the extent it shall be required to do so
under the Securities Exchange Act of 1934, as amended, and the rules and
regulations thereunder, as the same may be amended and in effect at the time
(the "Exchange Act"), the Issuers shall timely file the reports required to be
filed by it under the Exchange Act or the Securities Act (including, but not
limited to, the reports under Section 13 and 15(d) of the Exchange Act referred
to in subparagraph (c)(1) of Rule 144 adopted by the SEC under the Securities
Act) and shall take such further action as any Holder of Registrable Securities
may reasonably request all to the extent required from time to time to enable
such Holder to sell Registrable Securities without registration under the
Securities Act within the limitations of the exemption provided by Rule 144
under the Securities Act, as such Rule may be amended from time to time, or any
similar rule or regulation hereafter adopted by

                                       13

<PAGE>

the SEC. Upon the request of any Holder of Registrable Securities, the Issuers
shall deliver to such Holder a written statement as to whether it has complied
with such requirements.

         8. HOLDBACK AGREEMENT. (a) If any registration of Registrable
Securities shall be in connection with an underwritten public offering, each
Holder of Registrable Securities of the applicable Class agrees not to effect
any public sale or distribution, including any sale pursuant to Rule 144 under
the Securities Act, of any equity securities of the applicable Issuer, or of any
security convertible into or exchangeable or exercisable for any equity security
of the applicable Issuer (in each case, other than as part of such underwritten
public offering), within 7 days before or such period not to exceed 135 days as
the underwriting agreement may require (or such lesser period as the managing
underwriters may permit) after the effective date of such registration (except
as part of such registration), and each Issuer hereby also so agrees and agrees
to cause each other holder of any equity security, or of any security
convertible into or exchangeable or exercisable for any equity security, of such
Issuer purchased from such Issuer or any of its affiliates (at any time other
than in a public offering) to so agree.

         (a) AMENDMENTS AND WAIVERS. This Agreement may be amended and each
Issuer may take any action herein prohibited, or omit to perform any act herein
required to be performed by it, only if such Issuer shall have obtained the
written consent to such amendment, action or omission to act, of a Majority
Interest of Registrable Securities of each Class. Each Holder of any Registrable
Securities at the time or thereafter outstanding shall be bound by any consent
authorized by this Section 7(c), whether or not such Registrable Securities
shall have been marked to indicate such consent.

         (b) SUCCESSORS, ASSIGNS AND TRANSFEREES. This Agreement shall be
binding upon and shall inure to the benefit of the parties hereto and their
respective successors and permitted assigns. In addition, and whether or not any
express assignment shall have been made, the provisions of this Agreement which
are for the benefit of the parties hereto other than the Issuers shall also be
for the benefit of and enforceable by any subsequent Holder of any Registrable
Securities, subject to the provisions contained herein.

         (c) NOTICES. All notices, requests, claims, demands and other
communications hereunder shall be in writing and shall be given or made (and
shall be deemed to have been duly given or made upon receipt) by delivery in
person, by courier service, by cable, by telecopy, by telegram, by telex or
registered or certified mail (postage prepaid, return receipt requested) as
follows (or at such other address for a party as shall be specified in a notice
given in accordance with this section):

                  if to either Issuer, to:

                           Kohlberg Kravis Roberts & Co.
                           9 West 57 Street
                           New York, New York 10019
                           Attention: Perry Golkin
                           Telecopy:  212-750-0003

                  with a copy to:

                                       14

<PAGE>

                           Simpson Thacher & Bartlett
                           99 Bishopsgate
                           21st Floor
                           London  EC2M 3YH
                           Attention: Gregory W. Conway, Esq.
                           Telecopy: 44-171-422-4022

         if to any Holder, to the address of such other Holder as shown in the
         stock record book of the applicable Issuer,

or to such other address as any of the above shall have designated in writing to
all of the other above.

         (d) DESCRIPTIVE HEADINGS. The headings in this Agreement are for
convenience of reference only and shall not limit or otherwise affect the
meaning of terms contained herein.

         (e) SEVERABILITY. If one or more provisions of this Agreement are held
to be unenforceable under applicable law, such provision shall be deemed to be
excluded from this Agreement and the balance of this Agreement shall be
interpreted as if such provisions were so excluded and shall be enforced in
accordance with its terms to the maximum extent permitted by law.

         (f) COUNTERPARTS. This Agreement may be signed in any number of
counterparts, each of which shall be an original, with the same effect as if
the signatures thereto and hereto were upon the same instrument. This
Agreement shall become effective when each party hereto shall have received a
counterpart hereof signed by the other party hereto.

         (g) GOVERNING LAW; SUBMISSION TO JURISDICTION. This Agreement will be
governed by, and construed in accordance with, the laws of the State of New
York, without giving effect to the principles of conflict of laws thereof. The
parties to this Agreement hereby agree to submit to the jurisdiction of the
courts of the State of New York, the courts of the United States of America for
the Southern District of New York, and appellate courts from any thereof in any
action or proceeding arising out of or relating to this Agreement. The parties
hereto irrevocably and unconditionally waive trial by jury in any legal action
or proceeding in relation to this Agreement and for any counterclaim therein.

         (h) APPOINTMENT OF AGENT FOR SERVICE; WAIVER. Each of Guardian Royal
Exchange plc and Royal and Sun Alliance plc, to the fullest extent permitted by
applicable law, irrevocably and fully waives the defense of an inconvenient
forum to the maintenance of such legal action or proceeding and will hereby
irrevocably designate and appoint within ten Business Days of the date hereof CT
Corporation (the "AUTHORIZED AGENT"), as its authorized agent upon whom process
may be served in any such suit or proceeding. Each such Purchaser represents
that it has notified the Authorized Agent of such designation and appointment
and that the Authorized Agent has accepted the same in writing. Each such
Purchaser hereby irrevocably authorizes and directs its Authorized Agent to
accept such service. Each such Purchaser further agrees that service of process
upon its Authorized Agent and written notice of said service to such Purchaser
mailed by first class mail or delivered to its Authorized Agent shall be deemed
in

                                       15

<PAGE>

every respect effective service of process upon such Purchaser in any such suit
or proceeding. Nothing herein shall affect the right of any person to serve
process in any other manner permitted by law. Each such Purchaser agrees that a
final action in any such suit or proceeding shall be conclusive and may be
enforced in other jurisdictions by suit on the judgment or in any other lawful
manner. Notwithstanding the foregoing, any action against any such Purchaser
arising out of or based on this Agreement or the transactions contemplated
hereby may also be instituted in any competent court in the United Kingdom, and
each such Purchaser expressly accepts the jurisdiction of any such court in any
such action. Each such Purchaser hereby irrevocably waives, to the extent
permitted by law, any immunity to jurisdiction to which it may otherwise be
entitled (including, without limitation, immunity to pre-judgment attachment,
post-judgment attachment and execution) in any legal suit, action or proceeding
against it arising out of or based on this Agreement or the transactions
contemplated thereby.

         (i) SPECIFIC PERFORMANCE. The parties hereto acknowledge and agree that
irreparable damage would occur in the event that any of the provisions of this
Agreement were not performed in accordance with their specific terms or were
otherwise breached. Accordingly, it is agreed that they shall be entitled to an
injunction or injunctions to prevent breaches of the provisions of this
Agreement and to enforce specifically the terms and provisions hereof in any
court of competent jurisdiction in the United States or any state thereof, in
addition to any other remedy to which they may be entitled at law or in equity.

                                       16

<PAGE>

                  IN WITNESS WHEREOF, each of the undersigned has executed this
Agreement or caused this Agreement to be duly executed on its behalf as of the
date first written above.

                                    ISSUERS:

                                    TA I LIMITED

                                    By /s/ Scott Nuttall
                                      ------------------
                                      Name:  Scott Nuttall
                                      Title:

                                    TA II LIMITED

                                    By /s/ Scott Nuttall
                                      ------------------
                                      Name:  Scott Nuttall
                                      Title:

                                       17

<PAGE>

                                   PURCHASERS:

                                   ROYAL & SUN ALLIANCE INSURANCE GROUP PLC

                                    By /s/ Paul Spencer
                                      ------------------
                                     Name:  Paul Spencer
                                     Title:

                                   GUARDIAN ROYAL EXCHANGE PLC

                                    By /s/ Cardine Burton
                                      --------------------
                                     Name:  Cardine Burton
                                     Title: Executive Director-Investments

                                  THE CHUBB CORPORATION

                                    By /s/ Andrew A. McElwee, Jr.
                                      ----------------------------
                                     Name:  Andrew A. McElwee, Jr.
                                     Title: Senior Vice President

                                   THE HARTFORD FINANCIAL SERVICES GROUP, INC.

                                    By /s/ Brenda J. Furlong
                                      -----------------------
                                     Name:  Brenda J. Furlong
                                     Title: Senior Vice President

                                   THE TRAVELERS INDEMNITY COMPANY

                                    By /s/ Craig H. Fornsworth
                                      -------------------------
                                     Name:  Craig H. Fornsworth
                                     Title: Second Vice President

                                       18

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