MORE ABOUT RISK CONCEPTS, LTD.

RCL, headquartered in the United States, specializes in:

• Risk review services— including Internet penetration testing—to insurers,
• Due diligence and information gathering services—including research, analysis and on-site data gathering—to institutional and private investors,
• Enterprise risk management services—including operational risk management solutions—to companies in the financial, insurance and commercial sectors, and
• Business continuity planning—to businesses throughout the world.

In brief, our history, typical clients and staff skills are:

• RCL was established by key members of a major international risk management consulting firm in 1987.
• Our clients include banks, mortgage banks, insurance companies, stock brokerages and businesses of all sizes and types.
• RCL's Principals and Associates each average over 20 years of risk management experience.
• Each of our Principals and Associates has held responsible positions in their respective areas of specialty, worked with a major financial entity and/or with a certified public accounting firm.
• Most Principals and Associates hold professional credentials (e.g., CPA, Certified Fraud Auditor, Chartered Bank Auditor.