Document:

<PAGE>

                                                                     Exhibit 4.5

                                  AMENDMENT AND
                              ASSUMPTION AGREEMENT

                  AMENDMENT AND ASSUMPTION AGREEMENT, dated as of November 12,
1998 (this "AGREEMENT"), among TA I Limited, a company organized under the laws
of England and Wales ("HOLDINGS"), TA II Limited, a company organized under the
laws of England and Wales (the "COMPANY"), Profit Sharing (Overseas), Limited
Partnership, an Alberta limited partnership (the "KKR PARTNERSHIP"), Royal & Sun
Alliance Insurance Group plc, a company organized under the laws of England and
Wales ("PURCHASER 1"), Guardian Royal Exchange plc, a company organized under
the laws of England and Wales ("PURCHASER 2"), The Chubb Corporation, a New
Jersey corporation ("PURCHASER 3"), The Hartford Financial Services Group, Inc.,
a Delaware corporation ("PURCHASER 4"), and The Travelers Indemnity Company, a
Connecticut corporation ("PURCHASER 5" and, together with Purchaser 1, Purchaser
2, Purchaser 3 and Purchaser 4, the "EXISTING PURCHASERS"), and The Tokio Marine
and Fire Insurance Co., Ltd., a Tokyo corporation ("TOKIO MARINE" and, together
with the Existing Purchasers, the "PURCHASERS").

                                    RECITALS:

                  The Existing Purchasers or their nominees subscribed for
Ordinary Shares of Holdings and Preferred Shares of the Company pursuant to the
Share Subscription Agreement, dated as of July 22, 1998, among Holdings, the
Company and the Existing Purchasers. In connection with the Existing Purchasers'
subscription for such shares, (i) Holdings, the Company and the KKR Partnership
granted the Existing Purchasers certain rights, and the Existing Purchasers
agreed to certain restrictions, with respect to such shares pursuant to a
Shareholder Rights Agreement, dated as of July 22, 1998 (the "SHAREHOLDER RIGHTS
AGREEMENT"), among Holdings, the Company, the KKR Partnership and the Existing
Purchasers and (ii) Holdings and the Company granted the Existing Purchasers
certain registration rights with respect to their shares pursuant to the
Registration Rights Agreement, dated as of July 21, 1998 (the "REGISTRATION
RIGHTS AGREEMENT"), among Holdings, the Company and the Existing Purchasers.

                  Tokio Marine has agreed to subscribe for, and Holdings has
agreed to issue to Tokio Marine, 1,000,000 Ordinary Shares of Holdings, and
Tokio Marine has agreed to subscribe for, and the Company has agreed to issue to
Tokio Marine, 525,760 Preferred Shares of the Company, in each case, pursuant to
the Share Subscription Agreement, dated as of the date hereof, among Holdings,
the Company and Tokio Marine.

                  In connection with Tokio Marine's subscription for Ordinary
Shares of Holdings and Preferred Shares of the Company, Tokio Marine wishes to
become a party to, to have rights under and to be bound by, to the same extent
as the Existing Purchasers, the Shareholder Rights Agreement and the
Registration Rights Agreement. In connection with Tokio Marine's subscription
for Ordinary Shares of Holdings and Preferred Shares of the Company, Holdings,
the Company, the KKR Partnership and the Existing Purchasers consent to Tokio
Marine becoming a party to, to having rights under and to being bound by, to the
same extent as the Existing Purchasers, the Shareholder Rights Agreement and the
Registration Rights Agreement.

<PAGE>

                  NOW, THEREFORE, in consideration of the mutual covenants and
agreements herein contained, the parties hereto agree as follows:

ARTICLE I.

                              INTRODUCTORY MATTERS

                  1.1 DEFINED TERMS. Unless otherwise defined herein, terms
defined in the Shareholder Rights Agreement are used herein as defined therein.

ARTICLE II.

AMENDMENT OF THE SHAREHOLDER RIGHTS AGREEMENT

                  2.1 AMENDMENT OF SECTION 3.2 OF SHAREHOLDER RIGHTS AGREEMENT.
Section 3.2 of the Shareholder Rights Agreement is hereby amended by revising
the first part of clause (ii) thereof to read as follows: "(ii) at least a
majority of the aggregate amount of Preferred Shares originally issued to the
Purchasers pursuant to (x) the Subscription Agreement dated as of July 22, 1998
and (y) the Subscription Agreement dated as of November 19, 1998 are still held
by them at such time"; the remainder of such clause (ii) shall remain as is.

                  2.2 AMENDMENT OF SECTION 10.7 OF THE SHAREHOLDER RIGHTS
AGREEMENT. Section 10.7 of the Shareholder Rights Agreement is hereby amended by
adding the following after the address for The Travelers Indemnity Company:

                  "- and -

                           The Tokio Marine and Fire Insurance Co., Ltd.
                           West 17th Floor, Otemachi First Square
                           5-1 Otemachi 1-Chome
                           Chiyoda-ku, Tokyo
                           100-0004 Japan
                           Attention:  Eisuke Shigemura
                           Telecopy:  813-5223-3542

                  2.3 AMENDMENT OF SECTION 10.11 OF THE SHAREHOLDER RIGHTS
AGREEMENT. Section 10.11 of the Shareholder Rights Agreement, which addressed
the possible investment of additional amounts in Holdings or the Company prior
to the Offer to Purchase becoming or being declared unconditional, is hereby
amended by deleting such Section in its entirety.

                  2.4 AMENDMENT OF SECTION 10.15(b) OF THE SHAREHOLDER RIGHTS
AGREEMENT. Section 10.15(b) of the Shareholder Rights Agreement is hereby
amended by deleting the clause "Each of Holdings, the Company, Purchaser 1 and
Purchaser 2 (each a "FOREIGN PERSON")" and substituting in lieu thereof the
clause "Each of Holdings, the Company, Purchaser 1, Purchaser 2 and Tokio Marine
(each a "FOREIGN PERSON")".

                                       2

<PAGE>

ARTICLE III.

AMENDMENT OF REGISTRATION RIGHTS AGREEMENT

                  3.1 AMENDMENT OF SECTION 8(i) OF THE REGISTRATION RIGHTS
AGREEMENT. Section 8(i) of the Registration Rights Agreement is hereby amended
by deleting the clause "Each of Guardian Royal Exchange plc and Royal and Sun
Alliance plc" and substituting in lieu thereof the clause "Each of Guardian
Royal Exchange plc, Royal & Sun Alliance Insurance Group plc and Tokio Marine
and Fire Insurance Co., Limited".

ARTICLE IV.

ASSUMPTION OF SHAREHOLDER RIGHTS
AGREEMENT AND REGISTRATION RIGHTS AGREEMENT

                  4.1 ASSUMPTION. Tokio Marine hereby agrees to become a party
to, to have rights under and be bound by, to the same extent as the Existing
Purchasers, the Shareholder Rights Agreement and the Registration Rights
Agreement (the "ASSUMPTION"), and Holdings, the Company, the KKR Partnership and
the Existing Purchasers hereby agree that Tokio Marine may become a party to,
have rights under and be bound by, to the same extent as the Existing
Purchasers, the Shareholder Rights Agreement and Registration Rights Agreement,
and each such party consents to the Assumption.

ARTICLE V.

MISCELLANEOUS

                  5.1 LIMITED EFFECT. Except as expressly amended or waived
hereby, each of the Shareholders Rights Agreement and the Registration Rights
Agreement is, and shall remain, in full force and effect in accordance with its
terms.

                  5.2 COUNTERPARTS. This Agreement may be executed by one or
more of the parties hereto on any number of separate counterparts, and all of
said counterparts taken together shall be deemed to constitute one and the same
instrument.

                  5.3 GOVERNING LAW. 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.

                                       3

<PAGE>

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

                                       TA I LIMITED

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

                                       TA II LIMITED

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

                                       PROFIT SHARING (OVERSEAS), LIMITED
                                       PARTNERSHIP

                                       By: KKR 1996 Fund (Overseas), Limited
                                           Partnership, as its general partner

                                       By: KKR Associates II (1996), Limited
                                           Partnership, its general partner

                                       By: KKR 1996 Overseas Limited, its
                                           general partner

                                       By: /s/ Perry Gollan
                                          -----------------
                                           Authorized Signatory

                                       ROYAL & SUN ALLIANCE INSURANCE GROUP PLC

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

                                       GUARDIAN ROYAL EXCHANGE PLC

                                       By: /s/ Caroline Burton
                                          --------------------
                                           Title: Executive Director-Investments

                                       4

<PAGE>

                                       THE CHUBB CORPORATION

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

                                       THE HARTFORD FINANCIAL SERVICES
                                       GROUP, INC.

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

                                       THE TRAVELERS INDEMNITY COMPANY

                                       By: /s/ Jordan Spitzer
                                          -------------------
                                           Title: Vice President

                                       THE TOKIO MARINE AND FIRE INSURANCE
                                       CO., LTD.

                                       By: /s/ Kouki Higuchi
                                          ------------------
                                           Title: President

                                       5<PAGE>

                                                                     Exhibit 4.6

                                    AMENDMENT
                                     TO THE
                               CARRIER AGREEMENTS

         This amendment, dated as of May 8, 2001 (this "AMENDMENT"), to the
Carrier Agreements (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"), TA II Limited, a limited liability company organized under the laws of
England and Wales ("TA II"), Profit Sharing (Overseas), Limited Partnership, an
Alberta, Canada limited partnership ("PROFIT SHARING"), Royal & Sun Alliance
Insurance Group plc, a company organized under the laws of England and Wales
("ROYAL & SUN"), Axa Insurance plc, a company organized under the laws of
England and Wales (formerly Guardian Royal Exchange Assurance plc) ("AXA"), The
Chubb Corporation, a New Jersey corporation ("CHUBB"), Nutmeg Insurance Company,
an affiliate of The Hartford Financial Services Group, Inc., a Delaware
corporation ("NUTMEG"), Travelers Casualty and Surety Company, an affiliate of
The Travelers Indemnity Company, a Connecticut corporation ("TRAVELERS"), The
Tokio Marine and Fire Insurance Co., Ltd., a Tokyo corporation ("TOKIO MARINE"
and, together with Royal & Sun, Axa, Chubb, Nutmeg and Travelers, the
"Purchasers"), and Willis Group Holdings Limited, a limited liability company
organized under the laws of Bermuda ("WILLIS HOLDINGS"), and is being entered
into as part of the restructuring of the Willis group of companies.

                               W I T N E S S E T H

         WHEREAS, TA I, TA II, Profit Sharing and each Purchaser are parties to
a Shareholder Rights Agreement, dated as of July 22, 1998, (the "ORIGINAL
SHAREHOLDER RIGHTS AGREEMENT"), as amended by the Amendment and Assumption
Agreement, dated as of November 12, 1998 (the "ASSUMPTION AGREEMENT") and as
further amended hereby (the "SHAREHOLDER RIGHTS AGREEMENT");

         WHEREAS, TA I, TA II and each Purchaser are parties to a Registration
Rights Agreement, dated as of July 21, 1998, as amended by the Assumption
Agreement (the "REGISTRATION RIGHTS AGREEMENT" and, together with the
Shareholder Rights Agreement, the "CARRIER AGREEMENTS");

         WHEREAS, Profit Sharing, which is controlled by KKR 1996 Fund
(Overseas), Limited Partnership, and the Purchasers now desire to exchange their
interest in TA I for interests in Willis Holdings (the "RESTRUCTURING") in order
to facilitate certain potential transactions, including a potential initial
public offering of shares in Willis Holdings (the "IPO");

         WHEREAS, Travelers has succeeded in all respects to the rights of The
Travelers Indemnity Company in respect of the Carrier Agreements, and, in the
event that an assumption agreement was not executed in connection with that
succession, the execution by Travelers of this document shall constitute the
making of the representations and warranties required by the Carrier Agreements
and the assumption of the rights and obligations provided thereunder, and the
execution by the other parties hereto of this document shall constitute their
agreement to and acceptance of such assumption;

<PAGE>

         WHEREAS, in connection with the Restructuring, it will be necessary to
amend, and the parties hereto desire to amend, certain provisions of each of the
Carrier Agreements 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
                           SPECIFIC AMENDMENTS TO THE
                          SHAREHOLDER RIGHTS AGREEMENT

         SECTION 1.1. AMENDMENT TO "HOLDINGS" REFERENCE.

         (a) The Shareholder Rights Agreement is hereby amended by deleting the
definition of "HOLDINGS" contained therein and substituting therefor the
following:

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

         (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 "Holdings" or "TA I Limited" may have entered into prior to the date
hereof), (i) each and every reference to "Holdings" in the Shareholder Rights
Agreement is to be read as a reference to Willis Holdings, (ii) Willis Holdings
shall be entitled to all rights and privileges enjoyed by "Holdings" under the
Shareholder Rights Agreement, and shall be subject to all liabilities and duties
of "Holdings" thereunder, and (iii) TA I shall not have any rights or privileges
and shall be released from and have no liabilities or duties thereunder.

         (c) Notwithstanding the foregoing, and for the avoidance of doubt, it
is agreed that (i) for purposes of calculating IRR (as defined in the
Shareholder Rights Agreement), (a) the cash equity investment amounts and dates
of equity investments utilized in such calculations shall be those relating to
the original investment of each respective party in TA I and TA II, as the case
may be, and (b) references to dividends, fees, distributions and payments in
respect of, or to the sale or other disposition of any portion of, a party's
equity investment in Holdings and/or its direct and indirect subsidiaries shall
include such transactions with respect to both TA I (prior to, but not as part
of, the Restructuring) and Willis Holdings (subsequent to the Restructuring)
and/or their respective direct and indirect subsidiaries and (ii) for purposes
of the definition of Independent Director in the Shareholder Rights Agreement,
references to a former officer of Holdings or any of its subsidiaries shall
include former officers of either of TA I or Willis Holdings or any of their
respective subsidiaries.

         SECTION 1.2. REFERENCE TO "ORDINARY SHARES".

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

         "voting common shares, par value $0.000115 per share, of Holdings (the
         "ORDINARY SHARES")".

<PAGE>

         (b) Each party hereto hereby agrees that, except as expressly set forth
herein and except with respect to references of historical fact (such as how the
shares were acquired), each and every reference to "Ordinary Shares" in the
Shareholders Rights Agreements is to be read as a reference to voting common
shares, par value $0.000115 per share, of Willis Holdings.

         (c) Notwithstanding the foregoing, and for the avoidance of doubt, it
is agreed that references to Original Ordinary Shares (as defined in the
Shareholder Rights Agreement) are to be read, at times prior to the
Restructuring, as references to Original Ordinary Shares with respect to TA I
and, at times subsequent to the Restructuring, as references to those Ordinary
Shares of Willis Holdings, equivalent in number to the Original Ordinary Shares
of TA I remaining at the time of Restructuring, issued to Profit Sharing or any
of its Affiliates (as defined in the Shareholder Rights Agreement) as part of
the Restructuring. References to Transfers (as defined in the Shareholder Rights
Agreement) of Original Ordinary Shares shall include such transfers both before
and after (but not as part of) the Restructuring.

         SECTION 1.3. AMENDMENT TO SECTION 2.1(C).

         Section 2.1(c) is hereby amended by (i) adding the clause ", AS
AMENDED," after the clause in the first legend that reads "SHAREHOLDER RIGHTS
AGREEMENT", (ii) replacing the clause in the legend set forth therein which
reads "TA I LIMITED" with "WILLIS GROUP HOLDINGS LIMITED".

         SECTION 1.4. AMENDMENT TO SECTION 10.7 - NOTICE PROVISIONS.

         Section 10.7 is hereby amended by deleting the clause that reads:

         "c/o KKR & Co.
         9 West 57th Street, Suite 4200
         New York, NY 10019
         Attention: Perry Golkin
         Telecopy: (212) 750-0003

         with copies to:

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

         immediately after the clause that reads "if to Holdings or the
Company:" and substituting therefor the following:

<PAGE>

         "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

         and with a copy to:

         Simpson Thacher & Bartlett
         CityPoint
         One Ropemaker Street
         London  EC2Y 9HU
         Attention: Gregory W. Conway, Esq.
         Facsimile: +44-20-7275-6502"

                                   ARTICLE II
                           SPECIFIC AMENDMENTS TO THE
                          REGISTRATION RIGHTS AGREEMENT

         SECTION 2.1. AMENDMENT TO "NEWCO1" REFERENCE.

         (a) The Registration Rights Agreement is hereby amended by deleting the
definition of "NEWCO 1" contained therein and substituting therefor the
following:

         "Willis Group Holdings Limited, a company with limited liability
         organized under the laws of Bermuda ("NEWCO 1")".

         (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 "Newco 1" or "TA I Limited" may have entered into prior to the date
hereof), (i) each and every reference in the Registration Rights Agreement to
"Newco 1" is to be read as a reference to Willis Holdings, (ii) Willis Holdings
shall be entitled to all rights and privileges enjoyed by "Newco 1" thereunder,
and shall be subject to all liabilities and duties of "Newco 1" thereunder, and
(iii) TA I shall not have any rights or privileges and shall be released from
and have no liabilities or duties thereunder.

         SECTION 2.2. REFERENCE TO "ORDINARY SHARES".

         (a) Except as expressly set forth herein, the Registration Rights
Agreement is hereby amended by deleting the words "ordinary shares, par value
(pound)0.10 per share, of Newco 1 (the "ORDINARY SHARES")" in the first recital
and substituting therefore "voting common shares, par value $0.000115 per share,
of Newco 1 (the "ORDINARY SHARES")".

<PAGE>

         (b) Each party hereto hereby agrees that, except as expressly set forth
herein and except with respect to references of historical fact (such as how the
shares were acquired), each and every reference to "Ordinary Shares" in the
Registration Rights Agreements is to be read as a reference to voting common
shares, par value $0.000115 per share, of Willis Holdings.

         SECTION 2.3. NOTICE PROVISIONS.

         Section 8(d) of the Registration Rights Agreement is hereby amended by
deleting the clause that reads:

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

         with a copy to:

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

         immediately after the clause that reads "if to either Issuer, to:" and
substituting therefor the following:

         "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

         and with a copy to:
         Simpson Thacher & Bartlett
         CityPoint
         One Ropemaker Street
         London  EC2Y 9HU
         Attention: Gregory W. Conway, Esq.
         Facsimile: +44-20-7275-6502"

<PAGE>

                                  ARTICLE III
                          WAIVER OF REGISTRATION RIGHTS

         SECTION 3.1. WAIVER OF REGISTRATION RIGHTS. Each party hereto that has
incidental registration rights, however arising, pursuant to either the
Registration Rights Agreement or the Registration Rights Agreement, dated as of
December 18, 1998, as amended, between TA I and Profit Sharing, hereby waives
any and all such rights in connection with the IPO.

                                   ARTICLE IV
                                  MISCELLANEOUS

         SECTION 4.1. EFFECTIVE TIME. This Amendment shall become effective as
of the Completion (as defined in the Exchange Agreement) of the Share for Share
Exchange Agreement Relating to Shares in TA I Limited, dated as of the date
hereof, by and among Willis Holdings, Profit Sharing, the Purchasers and Fisher
Capital Corp, L.L.C. (the "EXCHANGE AGREEMENT").

         SECTION 4.2. 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 4.3. CONSTRUCTION AND GOVERNING LAW.

         This Amendment shall be construed together with, and as part of, each
of the (i) Shareholder Rights Agreement and (ii) Registration Rights Agreement,
and shall be governed in all respects by the laws of New York.

         Provisions of either of the Carrier Agreements not specifically amended
are hereby ratified in all respects.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK.]

<PAGE>

         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

                                 TA II LIMITED

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

                                 PROFIT SHARING (OVERSEAS), LIMITED PARTNERSHIP

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

                                 ROYAL & SUN ALLIANCE INSURANCE GROUP PLC

                                 By: /s/ J. V. Miller
                                    -------------------------------------------
                                      Name:  J. V. Miller
                                      Title: Group Company Secretary

                                 AXA INSURANCE PLC

                                 By: /s/ I. D. Richardson
                                    -------------------------------------------
                                      Name:  I. D. Richardson
                                      Title: Company Secretary

<PAGE>

                                 THE CHUBB CORPORATION

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

                                 NUTMEG INSURANCE COMPANY

                                 By: /s/ Donald E. Waggaman, Jr.
                                    -------------------------------------------
                                      Name:  Donald E. Waggaman, Jr.
                                      Title: Senior Vice President

                                 THE TRAVELERS CASUALTY AND SURETY COMPANY

                                 By: /s/ Jordan M. Stitzer
                                    -------------------------------------------
                                      Name:  Jordan M. Stitzer
                                      Title: Vice President

                                 THE TOKIO MARINE AND FIRE INSURANCE

                                 By: /s/ Takehisa Kikuchi
                                    -------------------------------------------
                                      Name:  Takehisa Kikuchi
                                      Title: Senior Managing Director

                                 WILLIS GROUP HOLDINGS LIMITED

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

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