Current Employment

Company:	RC Franklin Enterprises LLC
Position(s) and Responsibilities:	CEO & President 2005- present Expert witness and consulting services provided independently to the business, legal and investment communities of the insurance and reinsurance industry. Engagements include coverage, underwriting and claims matters, business improvement consulting and identification of acquisition targets for private equity interests.

Offering Services as Expert Witness in:

Casualty Underwriting, Insurance Underwriting, Liability Underwriting, Workers Comp Underwriting, Regulatory / Compliance

Previous Employment

Company:	ACE American Insurance Company
Position(s) and Responsibilities:	Chief Underwriter Commercial Lines, Product Development and Regulatory Services. Responsibilities included all commercial lines primary and excess, admitted and non-admitted, insurance and reinsurance.

Company:	CIGNA Property and Casualty Insurance Companies
Position(s) and Responsibilities:	Chief Underwriter Commercial Lines, Product Development and Regulatory Services, Producer Management and Business Development and Operations

Company:	Insurance Company of North America
Position(s) and Responsibilities:	All lines management and underwriting commercial and personal lines with emphasis on commercial liability, workers compensation, automobile and multi-peril lines including primary and excess products

Credentials

Attorney:	No
Other Information:	Board of Directors ACE and CIGNA Insurance Companies, President CIGNA Insurance Companies, Board of Directors ACE Tempest Re USA, President ACE INA Excess and Surplus Lines Brokers

Work Experience

Insurance Company: 34 years

Underwriting Department: 34 years.

Insurance-related Firms: 5 years

Consultant: 5 years. CEO & President

Breakdown of Experience

Commercial Liability   15% Worker's Compensation   14% Contract Wording   10% Product Liability   10% Excess/Surplus Lines   7% Regulatory/Licensing   5% MGA/MGU   5%

Alternative/Self-Insurance/Risk Management   5% Asbestos   5% Catastrophes (Property)   4% Environmental/Pollution   4% Captives/Risk Retention Groups   3% Agricultural   2% Automotive Liability/Property   2%

Directors & Officers   2% Employment Practices Liability   2% Commercial Property   2% Personal Lines   2% Insolvencies   1%

By Market

U.S. Market: 95%

Bermuda/Off-shore Market: 5%

Insurance vs. Reinsurance: 85/15%
Treaty vs. Facultative Reinsurance: 80/20%
Former Insurance or Reinsurance Company Officer
Former Insurance or Reinsurance Company Director

ARIAS Experience

Workshops, as Trainee: 1; September 2004

Ethics Training, as Trainee: 1; August 2009

Arbitration Experience

Number of Arbitrations

As Corporate Representative: 3

Company Representative Experience

Number of Arbitrations

2	Appointed to act as Company Representative.
1	Company Representative in arbitration through evidentiary hearing of at least one full day and less than three full days regarding the substantive merits of the parties' dispute.

Biography

A property and casualty insurance and reinsurance professional with experience developing and managing U.S. personal and commercial lines business for insurers. Primary strengths include business analysis and strategy, underwriting, marketing and business development, operations and regulatory management.

? Consulting and expert witness services provided independently to the business, investment, and legal communities of the insurance industry. Engagements include coverage, underwriting, claims, business improvement and identification of acquisition targets.

? Chief Underwriting Officer for 10 years with an insurer having $2+ billion of commercial lines insurance. Major lines for both large and small risks include property, liability, automobile, workers compensation, excess and umbrella liability, D&O, and E&O. Expertise includes admitted and Excess and Surplus, primary and excess, self-insured retentions, large deductibles, individual and group captives, managing general agencies, programs and reinsurance. Combined ratios improved from the mid 130’s to the high 90’s and the business was sold for in excess of $3 billion.

? Business Development responsibilities for research, product development and marketing led to the development of new products and markets that are now large and profitable mainstays of the company’s business.

? Regulatory experience spans 25 years and includes personal and commercial lines product line and producer management, filing, compliance, and customer service. This includes legislative and regulatory response to issues at the Federal and state levels.

? Business Management experience includes branch and regional line management, Chief Operating Officer of farm insurance operations, Worker’s Compensation product line officer, general manager of professional risk insurance, and Senior Vice President commercial insurance services.

BOARD & OFFICER POSITIONS

Board of Directors ACE Insurance Companies 1999-2004 Board o