<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" width=181 BGCOLOR="#003333" TEXT="#F7F7FF" background="137d8c02dduajq.jpg"> <div> <IMG SRC="1dd84d80.jpg" border=0 width="132" height="216" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <div> <B><U><IMG SRC="221885b0.gif" border=0 width="136" height="91" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></B></div> <bR> <bR> <bR> </td> <td valign="top" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <B> </B></div> <div> <B>Welcome to the EFM Website</B></div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <I> <TABLE BORDER="0" CELLPADDING="2" CELLSPACING="1" WIDTH="661" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="LEFT" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#FFFFFF HEIGHT= 448 WIDTH="655"><bR> <div> <I><IMG SRC="21865290.jpg" border=0 width="101" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></I></div> <div> efm<FONT SIZE="5" COLOR="#000080" FACE="Tahoma" >insurance</FONT>&<FONT SIZE="5" COLOR="#000080" FACE="Tahoma" >financial</FONT>group</div> <div> Leigh House Broadway West Leigh on Sea Essex SS9 2DD<FONT SIZE="3" COLOR="#000000" FACE="Tahoma" > </FONT></div> <div> Tel: 01702 482284 Fax: 01702 471714 <FONT SIZE="2" COLOR="#0000FF" FACE="Tahoma" >enquiries@efmgroup.co.uk </FONT></div> <bR> <bR> <div> <A HREF="id32.htm" TARGET="_top" TITLE="Company Background"><U><B><IMG BORDER="0" SRC="Symb075c00b700c866330000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Company Background</B></U></A></div> <div> <A HREF="graham_berg_acii.htm" TARGET="_top" TITLE="Treating Customers Fairly"><U><B><IMG BORDER="0" SRC="Symb075c00b700c866330000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Treating Customers Fairly</B></U></A></div> <div> <A HREF="id3.htm" TARGET="_top" TITLE="Commercial and Industrial Insurance "><U><B><IMG BORDER="0" SRC="Symb075c00b700c866330000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Commercial and Industrial Insurance </B></U></A></div> <div> <A HREF="id4.htm" TARGET="_top" TITLE="Financial Services Division"><U><B><IMG BORDER="0" SRC="Symb075c00b700c866330000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Financial Services Division</B></U></A></div> <div> <A HREF="id33.htm" TARGET="_top" TITLE="ATE Access to Barristers scheme"><U><B><IMG BORDER="0" SRC="Symb075c00b700c866330000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">ATE Access to Barristers scheme</B></U></A></div> <div> <A HREF="id15.htm" TARGET="_top" TITLE="Insurance Schemes"><U><B><IMG BORDER="0" SRC="Symb075c00b700c866330000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Insurance Schemes</B></U></A></div> <div> <A HREF="id31.htm" TARGET="_top" TITLE="Crisis Control Scheme free added value "><U><B><IMG BORDER="0" SRC="Symb075c00b700c866330000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">"Crisis Control" Scheme - free added value for Commercial Customers after a disaster</B></U></A></div> <div> <A HREF="id6.htm" TARGET="_top" TITLE="Contact Us"><U><B><IMG BORDER="0" SRC="Symb075c00b700c866330000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Contact Us</B></U></A></div> <div> <A HREF="id33.htm" TARGET="_top" TITLE="ATE Access to Barristers scheme"><U><B><IMG BORDER="0" SRC="Symb075c00b700c866330000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">After The Event - (Legal Expenses) Access to Barristers scheme</B></U></A></div> <bR> <div> <A HREF="http://www.biba.org.uk" TARGET="_top" TITLE="http://www.biba.org.uk"><U><I><B><IMG SRC="1c242720.gif" border=0 width="66" height="114" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></U></A><I><B>                                                       </B></I><A HREF="http://www.fsa.gov.uk" TARGET="_top" TITLE="http://www.fsa.gov.uk"><U><I><B><IMG SRC="177695f0.gif" border=0 width="105" height="95" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP BGCOLOR=#FFFFFF HEIGHT= 397 ><NOBR><bR> <div> EFM Insurance and Financial Group is a trading style of Essex Financial Management Limited </div> <div> Essex Financial Management Limited are authorised and regulated by the Financial Services Authority (Ref 149177)</div> <div> Company Registration Number 2570025</div> <bR> <bR> <div> <B>INSURANCE SCHEMES</B></div> <bR> <bR> <div> <A HREF="http://www.vetprotect.com" TARGET="_top" TITLE="http://www.vetprotect.com"><U><I><B><IMG SRC="21b7c160.gif" border=0 width="124" height="22" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></U></A><I><B>          </B></I><FONT SIZE="3" COLOR="#000000" FACE="Tahoma" ><A HREF="http://www.ticketplangroup.com" TARGET="_top" TITLE="http://www.ticketplangroup.com"><U><I><IMG SRC="21a6a380.png" border=0 width="106" height="56" ALT="Lotus Word Pro 9 Document" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></I></U></A><I>             </I></FONT><FONT SIZE="2" COLOR="#000000" FACE="Tahoma" ><A HREF="id19.htm" TARGET="_top" TITLE="Scheme Solutions"><U><I><B><IMG SRC="21c7d310.png" border=0 width="125" height="49" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></U></A></FONT></div> <bR> <div> <A HREF="id33.htm" TARGET="_top" TITLE="ATE Access to Barristers scheme"><U><I><IMG SRC="21865290.jpg" border=0 width="101" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></I></U></A></div> <div> <A HREF="id33.htm" TARGET="_top" TITLE="ATE Access to Barristers scheme"><U><B>SPECIALIST RISKS</B></U></A></div> </NOBR></tD> </tR> </TABLE></I></div> <bR> <bR> <bR> <div> <I>                                 </I><I>                                          </I></div> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <div> <A HREF="http://www.unbiased.co.uk" TARGET="_top" TITLE="http://www.unbiased.co.uk"><U><I><B></B></I></U></A></div> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> </td> </tr></table></body>