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<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" width=22.5% BGCOLOR="#006633" TEXT="#F7F7FF" background="136d6c20ddvuru.jpg"> <div> <IMG SRC="168b7050.jpg" border=0 width="183" height="261" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <bR> <DIV ALIGN="LEFT"></DIV> <div> Leigh House  Broadway West  Leigh on Sea  Essex SS9 2DD</div> <bR> <div> Telephone   01702  482284</div> <bR> <div> Fax            01702 471714</div> <bR> </td> <td valign="top" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <B> </B><FONT SIZE="1" COLOR="#003366" FACE="Arial" >  </FONT></div> <div>  <A HREF="index.htm" TARGET="_top" TITLE=" "><U>home</U></A> <FONT SIZE="2" COLOR="#000000" FACE="Tahoma" > l </FONT>   <A HREF="id32.htm" TARGET="_top" TITLE="Company Background"><U>Company Background</U></A>   |   <A HREF="graham_berg_acii.htm" TARGET="_top" TITLE="Treating Customers Fairly"><U>Treating Customers Fairly</U></A>   |   <A HREF="id3.htm" TARGET="_top" TITLE="Commercial and Industrial Insurance "><U>Commercial and Industrial Insurance </U></A>   |   <A HREF="id4.htm" TARGET="_top" TITLE="Financial Services Division"><U>Financial Services Division</U></A>   |   <A HREF="id33.htm" TARGET="_top" TITLE="ATE Access to Barristers scheme"><U>ATE Access to Barristers scheme</U></A>   |   <A HREF="id15.htm" TARGET="_top" TITLE="Insurance Schemes"><U>Insurance Schemes</U></A>   |   <A HREF="id31.htm" TARGET="_top" TITLE="Crisis Control Scheme free added value "><U>"Crisis Control" Scheme - free added value for Commercial Customers after a disaster</U></A>   |   <B>Contact Us</B></div> <div> Contact Us</div> <DIV ALIGN="LEFT"></DIV> <div> <IMG SRC="21865290.jpg" border=0 width="101" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <div> efm<FONT SIZE="5" COLOR="#003366" FACE="Arial" >insurance</FONT>&<FONT SIZE="5" COLOR="#003366" FACE="Arial" >financial</FONT>group</div> <bR> <bR> <div> Leigh House  Broadway West  Leigh on Sea  Essex SS9 2DD</div> <div> <FONT SIZE="2" COLOR="#000000" FACE="Arial" >Tel: 01702 482284      Fax: 01702 471714   </FONT>  <A HREF="mailto:mark@efmgroup.co.uk" TARGET="_top" TITLE="mailto:mark@efmgroup.co.uk"><U>enquiries@efmgroup.co.uk </U></A></div> <bR> <bR> <div> <B>Financial Services Division</B></div> <bR> <div> <FONT SIZE="2" COLOR="#000000" FACE="Arial" >Graham Berg ACII, Group Director  </FONT><U> </U><A HREF="mailto:graham@efmgroup.co.uk" TARGET="_top" TITLE="mailto:graham@efmgroup.co.uk"><U><U>graham@efmgroup.co.uk</U></U></A></div> <div>    </div> <bR> <div> Robert Rix   <FONT SIZE="2" COLOR="#0000FF" FACE="Arial" ><A HREF="mailto:robert@efmgroup.co.uk" TARGET="_top" TITLE="mailto:robert@efmgroup.co.uk"><U><U>robert@efmgroup.co.uk</U></U></A></FONT></div> <bR> <bR> <div> <B>General Insurance Division</B></div> <bR> <div> <FONT SIZE="2" COLOR="#000000" FACE="Arial" >Mark Felman ACII, Director    </FONT><A HREF="mailto:mark@efmgroup.co.uk" TARGET="_top" TITLE="mailto:mark@efmgroup.co.uk"><U><U>mark@ef</U></U></A><A HREF="mailto:mark@efmgroup.co.uk" TARGET="_top" TITLE="mailto:mark@efmgroup.co.uk"><U><U>mgroup.co.uk</U></U></A>    <FONT SIZE="2" COLOR="#000000" FACE="Arial" >       </FONT></div> <bR> <div> Laura Collins  <FONT SIZE="2" COLOR="#3366FF" FACE="Arial" > </FONT><FONT SIZE="2" COLOR="#0000FF" FACE="Arial" ><A HREF="mailto:laura@efmgroup.co.uk" TARGET="_top" TITLE="mailto:laura@efmgroup.co.uk"><U><U>laura@efmgroup.co.uk</U></U></A></FONT></div> <bR> <bR> <div> <B>Administration and support</B></div> <bR> <bR> <div> <FONT SIZE="2" COLOR="#000000" FACE="Arial" >Marion Yansifski     </FONT><A HREF="mailto:admin@efmgroup.co.uk" TARGET="_top" TITLE="mailto:admin@efmgroup.co.uk"><U><U>admin</U></U></A><A HREF="mailto:admin@efmgroup.co.uk" TARGET="_top" TITLE="mailto:admin@efmgroup.co.uk"><U><U>@efmgroup.co.uk</U></U></A></div> <bR> <div> <FONT SIZE="2" COLOR="#000000" FACE="Arial" >Maureen Storelli    </FONT> <A HREF="mailto:admin@efmgroup.co.uk" TARGET="_top" TITLE="mailto:admin@efmgroup.co.uk"><U><U>admin</U></U></A><A HREF="mailto:admin@efmgroup.co.uk" TARGET="_top" TITLE="mailto:admin@efmgroup.co.uk"><U><U>@efmgroup.co.uk</U></U></A></div> <bR> <bR> <bR> <div> <B>Schemes Insurance Division    </B><FONT SIZE="2" COLOR="#0000FF" FACE="Arial" ><A HREF="mailto:mark@efmgroup.co.uk" TARGET="_top" TITLE="mailto:mark@efmgroup.co.uk"><U><U>schemes@efmgroup.co.uk</U></U></A></FONT></div> <bR> <bR> <div> <B>ATE (Access to Barristers - Legal Expenses) Scheme   </B><FONT SIZE="2" COLOR="#0000FF" FACE="Arial" ><A HREF="mailto:mark@efmgroup.co.uk" TARGET="_top" TITLE="mailto:mark@efmgroup.co.uk"><U><U>ate@efmgroup.co.uk</U></U></A></FONT></div> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> </td> </tr></table></body>