HOWARD SMITH BIO:

Mr. Smith is Vice Chairman-Finance of C.V. Starr & Co., Inc. and a Director of Starr International Company, Inc.

Previously, Mr. Smith was Vice Chairman and Chief Financial Officer and Chief Administrative Officer of American International Group, Inc. where he was responsible for AIG's Treasury, Investor Relations, Credit & Market Rick Management functions, in addition to the Comptroller's Department.

Prior to joining AIG, he spent 19 years with Coopers & Lybrand and was the Partner in charge of the Firm's New York Office insurance practice.

Mr. Smith earned his B.B.A. degree in accounting from the City College of New York in 1965 and was one of the North American representatives on the Insurance Working Group of the International Accounting Standards Board.

Mr. Smith is the Chairman of the Advisory Council of the Weissman Center for International Business of Baruch College and previously was a Trustee at Hofstra University.