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10/2006 brugge bruges brujas brügge 18-21 AISAM ACME © Patrick Monney PROGRAMME AND SPEAKER PROFILES CAPITALIZING ON MUTUALITY BRUGES, BELGIUM 18–21 OCTOBER 2006

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10/2006

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© Patrick Monney

Programme and sPeaker Profiles

CaPitalizing on mutuality

Bruges, Belgium 18–21 oCtoBer 2006

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Wednesday, 18 October 2006 10.00–20.00 Registration for the Congress at the Crowne Plaza hotel

9.00–17.00 AISAM Board and Committee meetings at the Crowne Plaza hotel

St. Donaas Room, lower ground floor

15.00–18.30 ACME Board meeting at the Crowne Plaza hotel

Arnulf Room, lower ground floor

Evening Welcome reception and dinner for Congress delegates and partners

19.15 Meet in lobby of the Crowne Plaza hotel

19.30 Departure to Concertgebouw for Welcome Dinner

(shuttles available)

22.30–23.30 Shuttle service to all hotels

Thursday, 19 October 2006 8.00 Registration for the Congress at the Crowne Plaza hotel

8.00–8.45 Breakfast meeting hosted by Banque Degroof at the Crowne Plaza hotel

Room Oostpoort, lower ground floor

9.00–10.00 AISAM General Meeting at the Crowne Plaza hotel

Burg Rooms I to V, ground floor

9.00–10.00 ACME Full Conference at the Crowne Plaza hotel

Arnulf Room, lower ground floor

10.00–10.30 Break

Lobby & Bar ground floor

10.30–12.40 Joint Congress at the Crowne Plaza hotel

Burg Rooms I to V, ground floor

Programme

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10.30-10.50 Opening of the Congress

Patrick Peugeot, PresidentofAISAMand

Rolf Soedjak, ChairmanofACME

10.50-11.10 Opening speech and introduction to the

Belgian mutual insurance market

Guy Burton, PresidentofUAAM/VVOV

Session 1: Understanding the regulatory challenges The regulatory insurance landscape is facing far-reaching changes.

Many of these are driven by European initiatives such as Solvency II and

forthcoming corporate governance rules. This first session highlights

these changes from the point of view of the European Commission, the

supervisors and the European Parliament. Special attention will be given

to what will be expected from the mutual insurance sector and how their

points of view are taken into account.

11.10-11.40 Commissioner McCreevy

MemberoftheEuropeanCommission

11.40-12.10 Paul Sharma

ChairofCEIOPSSolvencyIIPillarIexpertgroup

12.10-12.40 Pervenche Berès

ChairoftheCommitteeonEconomicandMonetaryAffairs

oftheEuropeanParliament

12.40-14.00 Lunch

St. Donaas & Arnulf Room, lower ground floor

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14.00-18.00 Session 2: Enhancing stakeholder relations Chair: Werner Görg, Gothaer,Germany

The absence of shareholders means that mutual insurers are able to

concentrate more fully on relations with their stakeholders, particularly

their members and policyholders but also their staff, suppliers and

the community in which they are active. During this session, mutual

insurers from various sectors and countries will share some innovative

practices which we hope will inspire all delegates, insurers or not.

Putting customers first:

14.00-14.15 Introduction

Philippe Lallemand, Ethias,Belgium

14.15-14.35 Civic action/solidarity

Laurence Chircen, MACIF,France

14.35-14.55 �Affinity�marketing�-�Products�for�the�Islamic�community

Stig Karels, Folksam,Sweden

14.55-15.15 Governance and member relations

Mike Rogers, LiverpoolVictoria,UK

15.15-15.30 Questionsfromtheaudience

15.30-16.00 Break

Lobby & Bar ground floor

Benefiting staff and suppliers:

16.00-16.10 Introduction

Mogens N. Skov, KøbstædernesForsikring,Denmark

16.10-16.30 Changing personnel management

Toon Bullens, Interpolis,Netherlands

16.30-16.50 Transparency improves relations

Luigi Lana, RealeMutua,Italy

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Applying mutual principles in the community:

16.50-17.00 Introduction

Enea Mazzoli, CesarFoundation,Italy

17.00-17.20 Providing health care in the community Bill McPate, BenendenHealthcareSociety,UK

17.20-17.40 Investing in the local community

Abed Yacoubi Soussane, MAMDAFoundation,Morocco

17.40-18.00 Questionsfromtheaudience

Evening Gala dinner for joint Congress delegates and partners

19.30-20.00 Pre-dinner drink at the Crowne Plaza Hotel

St Donaas Room, lower ground floor

20.10 Departure to Jezuïtenkerk for Gala Dinner (Shuttles available)

20.20 – 23.00 Gala Dinner

23.00 Shuttle service to all hotels

Programme

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Friday, 20 October 2006 8.00-8.45 Breakfast meeting hosted by Ernst & Young at the Crowne Plaza hotel

Room Oostpoort, lower ground floor

9.00 – 12.45 Joint Congress

Session 3: Growing mutuals Chair: Iossif Iordanopoulos, SyneteristikiInsuranceCoInc,Greece

Despite a difficult environment for insurance, mutual insurers prove

again and again that they are eminently capable of stepping in to

cover new risks and new markets. As public authorities withdraw from

certain fields, mutual insurers contribute to the public-private debate

with expertise in areas such as medical liability. The emergence of new,

specific risks, for example in the agricultural field, leads to new mutuals

being set up. Furthermore, the challenges of increasing competition lead

mutual insurers to seek better ways of joining forces. This session will

explore the dynamic nature of mutuality in the insurance sector today.

Contributing to the public-private debate:

9.00-9.10 Introduction

Alice Bethencourt, Sagres,Portugal

9.10-9.30 Medical Liability Michel Dupuydauby, MACSF,France

9.30-9.50 Workers’ Compensation Insurance

Jean-Claude�Debussche, Mensura,Belgium

9.50-10.10 Agricultural risks

Christoph Lamby, R+V,Germany

10.10-10.25 Questionsfromtheaudience

10.25-10.55 Break

Lobby & Bar ground floor

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Developing new mutuals:

10.55-11.10 Introduction

Antti Calonius, Tapiola,Finland

11.10-11.30 Dutch�agri-mutuals Annette�Houtekamer-van�Dam, EurekoRe,Netherlands

11.30-11.50 Services for new mutuals Paul Koronka, CharlesTaylorConsulting,UK

11.50-12.10 Entering�new�European�markets:�a�Franco-Polish�example

Philippe Saffray, MacifZycie, & Agnieszka Rozga, TUWTUW,Poland

Grouping mutuals:

12.10-12.30 The�French�experience:�the�SGAM

� Jean-Claude�Seys, Covéa/MMA,France

12.30-12.45 Questionsfromtheaudience

12.45-14.00 Lunch

St. Donaas & Arnulf Room, lower ground floor

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Programme

14.00-17.20 Session 4: Sustaining mutuality Chair: José Boada, UNESPAM,Spain

Mutual and cooperative insurers play a discreet but major role in the

economy by offering insurance services which meet the specific needs

of their policyholders. This session will present the solutions which they

have developed to promote the mutual model despite tendencies to the

contrary and the ways of ensuring their sustainable finance.

The true costs of demutualisation:

14.00-14.15 Introduction Lieve Lowet, SecretaryGeneral,AISAM

14.15-14.35 Responding to a hostile demutualisation threat Tony Craig, NFUMutual,UK

14.35-14.55 Inquiry into true cost of demutualisation in the UK Peter Hunt, Mutuo,UK

14.55-15.15 �The�North�American�experience

Kathy Bardswick,TheCooperators,Canada

15.15-15.30 Questionsfromtheaudience

15.30-16.00 Break

Lobby & Bar ground floor

Raising capital:

16.00-16.15 Introduction

Diane Iannucci, SecretaryGeneral,ACME

16.15-16.35 Subordinated debt Alain Gajan, LaMondiale,France

16.35-16.55 Financing growth for a small player Alberto Berges, MutuaAutomovilistaValenciana,Spain

16.55-17.20 Questionsfromtheaudience

Closing Session

17.20-17.30 Presentation of the next Congress venue

17.30-17.50 Closing remarks by the President of AISAM and Chairman of ACME

Evening free

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Kathy BardswickKathy began her career with The Co-operators in 1978. Prior to her appointment as President and Chief Executive Officer of The Co-operators Group on March 1, 2002, Kathy served as Chief Operating Officer of The Sovereign General and L’Union Canadienne. From 1998-2002, she was in charge of operations of these companies and their subsidiaries under the umbrella of The Co-operators Group Limited.

A graduate of McMaster University’s M.B.A. program, Kathy also holds a Bachelor of Science degree in Mathematics from the University of Manitoba.

An industry leader, Kathy serves as a board member of the Institute for Catastrophic Loss Reduction. Equally active in the co-operative sector, Kathy serves as Chair of the International Cooperative and Mutual Insurance Federation and as a member of the Credit Union Central of Canada’s CEO committee.

Kathy’s corporate board positions include seats with The Sovereign General, L’Union Canadienne, Co-operators Investment Counselling Ltd, HB COSECO, and Co-operators Development Corporation. She is also a member of the executive committee of The Conference Board of Canada, and the Board of Directors for the Burlington Economic Development Corporation. Kathy is a former member of the University of Guelph’s Board of Governors.

Pervenche BerèsBorn in 1957, Pervenche Berès has been a Member of the European Parliament since 1994. In the new Parliament elected in 2004, she is the Chairwoman of the Economic and Monetary affairs Committee and a substitute member in the Constitutional affairs Committee.

Previously, she was head of the French socialist delegation and vice-President of the Socialist group in the European Parliament (June 1997-June 2004). From December 1999 to October 2000, she was the Vice-president of the European Parliament delegation to the Convention in charge of elaborating a European Union Charter of fundamental rights. She was also a member of the European Convention in charge of drafting a Constitution for Europe from February 2002 to July 2003.

After graduating from the “Institut d’Etudes Politiques” in Paris, she worked from 1981 to 1994 as an administrator in the French National Assembly, except from 1988 to 1992, when she was an advisor for International and European affairs to Laurent Fabius, Speaker of the National Assembly.

Pervenche Berès is also a member of the City council of Sèvres (Département des Hauts-de-Seine).

Photograph:©EuropeanParliament

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Alberto BergesAlberto studied law at the Universidad Complutense de Madrid obtaining his degree in 1996. From 1999 to 2001, he took an MBA at “The George Washington University” in Washington D.C, completing his education through the YPP (Young Professionals Programme at the London Business School in 2003.

He began his career at the World Bank Group on an Internship during his MBA working on Private Investments for the South America Region for the International Finance Corporation, Washington D.C from 1999 to 2000. He then worked at Merrill Lynch (US Private Client Group, Washington D.C) from 2000 to 2002 as an Investment Trainee (Fixed Income Investments & Stock Options Plans) and Financial Advisor.

He has worked at MVA Seguros since May 2002, successively holding the positions of Investment Manager, Sales Manager and now Chief Operations Officer.

Alice Bethencourt ReisSince 2002, Alice Bethencourt has been CEO of Sagres, Companhia de Seguros. Additionally she is chair of the Automotive Technical Committee of the Portuguese Insurers’ Association (since 1997) and is a Board Member of CIMASA (Automotive Insurance Information, Mediation and Arbitration Centre), representing the Portuguese Insurers’ Association (since 2002).

Her professional experience includes positions in the Litigation Department, the office of the Under-Secretary of State for Insurance, the direction of the Insurance Control Authority, etc.

She holds a degree in Law from the Universidade Clássica Faculty of Law, Lisbon.

José Boada BravoJosé Boada Bravo is an actuary and economist by training (Madrid Complutense University). He began his career as administrative director of Eco-Precio, S.A. (a chemist and food distribution company).

From 1981 to 1988 he was Head Actuary for Pelayo mutua de seguros then Director General from 1989 to 2002. From 1996 until 2002 he was Vice-President of Pelayo mutua de seguros, Munat seguros y reaseguros, S.A., Agencia central de seguros, Pelayo asistencia, S.A, Desarrollo y Tecnología del Automovil and Mupelsa, promociones e inversiones, S.A.

He is currently President of Pelayo mutua de seguros, Munat seguros y reaseguros, Agencia central de seguros, Pelayo asistencia, S.A., Sercalauto, S.A., Pelayo mondiale vida and Promociones inmobiliarias, S.A.

He was born in 1956 and is married.

He is also President of the association of mutuals and social bodies of UNESPA, Consultative member of the Consortium of Insurance compensation, Accounts

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auditor, Actuary of pension plans and funds, Professor at the CEURA (Centre for university studies of the Corte Inglès, Professor at the University of Alcala de Henares (business and financial economics), member of the editorial committee of the “Actuarios” review; Member of the Board of the International Foundation for Justice in the world ; Director of the Jury for the Prize of the same Foundation; Member of the Jury of the International Julio Castello Prize awarded by Mapfre ; Member of the editorial committee of the Liability, Circulation and Insurance Review; Member of the Jury of the Pelayo prize for recognised lawyers of prestige; President of UNESPA’s technical motor insurance commission (1996-2000); Secretary General of the Spanish Institute of Actuaries (until April 1993).

Toon BullensAntonius (Toon) Bullens has a longstanding experience in the cooperative financial sector: with the Rabobank Group from 1972 until 1990 when he switched to Interpolis, where he was managing director of Interpolis Reinsurance Company until 2004. Since then he has been responsible for Cooperative Insurance and Innovation. He has been a Board member of Secura Belgian Re, IRS and ICMS Ltd. in Dublin and is currently President of the Dutch Association of Mutual Insurers (FOV), treasurer of AISAM and director of the Mutual Forest Insurance Company (OBV).

Toon Bullens is Secretary General of MIAN, member of the Dutch Platform for Microfinance, member of the Steering Committee and visiting faculty at the Asian Knowledge Centre for Mutual Insurance in Madurai, India and has a vast experience in professional education. He is project-partner in the European Union Income Stabilisation for Farming project and member of the board and treasurer of the National Innovation and Knowledge building Project”: ‘Climate and Spatial Planning’.

Guy BurtonGuy Burton is a Board member, General Manager and Chairman of the steering committee at Ethias Assurance.

His Belgian activities include his post as President of UAAM and Director-Treasurer of the Belgian CIRIEC (International Center of Research and Information on the Public, Social and Cooperative Economy).

At international level, he is a member AISAM’s Committee and of GEMA’s governing body, the Executive Committee. He is also a Board member of AZUR-GMF and Treasurer of CIRIEC International.

Guy Burton has spent his entire professional career at Ethias (formerly SMAP/OMOB). Ethias is a Belgian grouping of four mutual insurers. It is the second biggest insurer in Belgium with 15% market share in 2006 and more than 1.2 million insured parties, generating 4.9 million euros in premiums.

He holds a law degree from Liege University. He was born in 1948, is married and has one daughter.

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Antti Calonius Antti Calonius is Director of Major Clients, International Operations and Brokers of the Tapiola Group and Deputy Managing Director of Tapiola General Mutual Insurance Company. In 1980 he joined the Aura Group, one of the predecessors of the Tapiola Group, which is today the third largest insurance group in Finland.

Antti Calonius was appointed a Director of the Tapiola Group on 3 November 1993 and Deputy Managing Director of Tapiola General on 1 November 2003.

He has been deputy member of the boards of Tapiola General and Tapiola Life since 1993 and Tapiola Corporate Life since 1994, a member of the board of Tapiola Asset Management Ltd since 2000, and chairman of the board of Alma Insurance since 1995. He is also a member of the board of Nordic Nuclear Insurance Pool and its predecessor since 1989.

In 1980, Antti Calonius graduated from Helsinki University as Master of Political Sciences. He was born on 20 July 1950 and is married with two children.

Laurence ChircenHer professional experience started in 1988 where she was an assistant to a Member of the European Parliament. In 1991, she joined MACIF as a member of the managerial staff.

Since 1993, she is advisor to the Direction of the International Relations Department, mainly involved in technical cooperation with MACIF’s international partners and for international aid projects. She also coordinates relations between ICMIF and MACIF.

Laurence holds the a degree of Higher European Studies (DESE), a degree of Advanced European Law at the European University of Nancy; and a Masters in Law.

Tony CraigTony Craig entered the financial services industry in 1982, and in his current position of General Manager (Strategy) of NFU Mutual Insurance Society he is responsible for devising and recommending medium- to long-term strategy for the NFU Mutual group, and for leading certain change programmes within the group. Tony has a BSc in Physics and is also an Associate of the Royal College of Science.

Jean-Claude�DebusscheJean-Claude Debussche has been Chairman of Mensura’s Executive Committee since 2002.

Following his training as an actuary, he joined the Assubel group (now Mensura following merger with APRA) in 1982 to manage studies in the field of group insurance and pension funds.

He became responsible for the technical affairs of Assubel Accidents du Travail (Assubel Worker’s compensation) in 1989. In 2005, “La Caisse Commune Assubel” (A caisse

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commune is a mutual insurance organisation) decided to merge with APRA, another Caisse Commune specialised in worker’s compensation.

Both companies have always played an active role within AISAM.

Jean-Claude Debussche was born in 1956, is married and has two children.

Michel DupuydaubyMichel Dupuydauby has been Director General of the MACSF Group since 2001 having been Operational Director from 1992 to 2000. Before joining MACSF, he was regional Director General for AXA in 1991 and Operational Director in various parts of the AXA group from 1977 to 1990.

In 2005, he was elected as President of ROAM, one of the French mutual insurance associations, and to the Board of the FFSA (the French federation of insurance companies). He was President of the ARGOS association from 1991 to 1999.

After training as an engineer, he began his career in the construction industry.

Alain GajanFollowing his graduate studies in Economics and a postgraduate MBA from Boston University, Alain Gajan worked for a period of 20 years for the Paribas group during which he held positions as Managing Director of the group’s financial analysis business (SAFE) and Director of Crédit du Nord’s asset management activities. Alain joined the La Mondiale group in 1992 as deputy Managing Director responsible for financial activities and since 2005 is the group’s Managing Director.

Alain Gajan has also held various positions within the French Association of Financial Analysts (SFAF), notably as Director of its Analyse Financière professional magazine (1978 to 1986) and Deputy General Secretary and Treasurer of the Association Européenne (1986 to 1994).

He was born on 08.08.1945. He is married and has two daughters.

Werner Görg On completion of his law degree and articles Werner Görg entered the services of the Rheinland-Pfalz financial administration in 1983. He progressed to become a consultant in the Finance Ministry for Rheinland-Pfalz. He then moved to the tax department of Gothaer insurance where he qualified in 1988 as a tax consultant. After several moves within the Gothaer business, Werner Görg is today Chairman of the Board and responsible for the areas of company strategy, accounting and auditing, strategic shares, legal and fiscal issues and managers development.

He was born on 20.02.1957. He is married and has a son.

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Annette Houtekamer – van DamAnnette Houtekamer, née van Dam is currently employed by Eureko Re, the reinsurance company of Eureko, where she is manager business development for structured reinsurance.

In the operational sense, she provides support to large international companies as well as to some agricultural government bodies outside the Netherlands in the form of risk analyses and risk finance solutions based on the results of these analyses. The devising, implementation, and monitoring of solutions for risk management at such undertakings, the development of products in the field of risk financing, and accountability for realising commercial objectives are also part of her professional duties.

Annette is President of the NRV (Dutch Reinsurance Association), member of AISAM’s “Mutual Basics” Taskforce and a Board member of MIAN (Micro Insurance Association Netherlands).

The education enjoyed by Annette has been broadly-based: on the one hand she has a Bachelors degree in Social Science and on the other she has a Bachelors degree in economics and business management. This was then supplemented by an Executive MBA study at the Rotterdam School of Management, which is part of the Erasmus University.

In addition, she has had many years of training and practical experience in the insurance branch. In the course of her career, Annette has been able to put her executive qualities to good use in management positions at various departments within the Rabobank and Interpolis organisations.

Peter HuntPeter Hunt has been Chief Executive of Mutuo since 2000, and continues to work as political and policy advisor to the Co-operative Movement.

Peter is particularly interested in mutuality and has sought to engage the UK Co-operative movement in work to raise the profile of the co-operative and mutual sector. In 1998, he instituted the ‘New Mutualism’ series of eight policy pamphlets, which inspired a serious debate on the role of mutuals in UK society.

In 1999, he was a co-founder and secretary of Supporters Direct, the football supporters’ initiative, which has gone on to establish over 100 mutual supporters’ trusts at professional football clubs.

In 2001, he established Mutuo (Communicate Mutuality Ltd) as the first cross mutual sector project to promote mutuality to opinion formers and decision makers.

In 2002 and 2003, he led the Parliamentary team which piloted three Private Members Bills through Parliament, updating Industrial & Provident Society law and encouraging democratic employee ownership. Mutuo also acts as secretary and advisor to the All Party Parliamentary Group for Building Societies and Financial Mutuals.

Since 2004, he has advised more than 20 NHS foundation trusts on the adoption of new

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mutual membership structures and has developed new mutual structures for out-of-hours GP care. He was also an advisor to the 2005 Healthcare Commission review of first wave NHS Foundation Trusts.

Diane IannucciDiane started her career in finance some 25 years ago, as manager in an international investment company in Brussels. She then turned her selling skills towards the political arenas of the European institutions. As a lobbyist for the European Banking Federation, she specialised in retail and wholesale payment services, consumer protection policy and social affairs. In 1998, she was promoted Director of Weber Shandwick, a large EU public affairs consultancy, where she built the finance and corporate portfolio. She joined ACME as Secretary General in May 2005. Diane is also Project Coordinator for Euronext and Administrator of the European Association of Banking and Financial Law, with whom she conducted key projects in the 10 new EU Member States.

Iossif IordanopoulosIossif was born in Athens and studied Computer Science at Manchester Polytechnic.

He has worked for several years on various EDP companies locally and abroad. Iossif joined Syneteristiki Ins. Co. in 1985 as the EDP Manager. He currently holds the position of the Organisational Manager and is responsible for personnel, foreign relations and the supporting services of the company.

He is married and has three children.

Stig KarelsStig has been employed with Folksam since 1971. Currently he holds the position of Key Account Manager in the Marketing Division. His work consists in particular of business relations with white- and blue-collar trade unions, i.e. services related to their member insurance schemes. He also teaches on their different education programmes. Furthermore he is responsible for Folksam’s relations with different religious associations such as the Swedish Church, Swedish Muslim Council, etc.

He is married and has two teenage boys.

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Paul KoronkaBased in London, Paul has a well-deserved reputation for innovation and invention in the risk management and new business fields. He studied law at Brasenose College, Oxford and began his career with the General Council of British Shipping followed by a long period working in the P&I Club industry. He then worked as a Partner for the firm of W K Webster before going on to manage Tradewise, an early initiative using information technology in new ways to manage risk. He founded his own company Oakhampton to set up new captive and mutual insurance projects which was acquired by Charles Taylor in 1997. Since then he has headed CTC’s Mutual Development Unit which has established new mutuals on behalf of the Livery Companies, the UK National Federation of Retail Newsagents, Capricorn Mutual on behalf of the Capricorn Society--a cooperative of Australian motor traders and Unimutual in Australia serving Australian Universities. His team has several new Mutuals about to come on stream in both the UK and Australia.

Philippe Lallemand Philippe Lallemand is Special Advisor to the Management Committee, Director of Financial Participations and Director of Human Resources for Ethias.

Philippe joined Ethias in 2000, following time spent within various ministries. Ethias is a Belgian mutual insurance group made up of 4 mutual companies which together form the second largest insurer on the Belgian market (with a 16% market share in 2005, more than 1.2 million insured, premium income of 4.9 billion Euros).

Philippe Lallemand is also a Board member of subsidiaries of the Ethias Group (Ethias Banque, Nateus, Belré, etc.) as well as some other institutions (Fondation Roi Baudouin, etc.). Philippe holds a law degree from the University of Liège, was born in 1962, and is married with 3 children.

Dr Christoph LambySince January 2004, Christoph Lamby has been a member of the Board of Management of R+V Versicherung AG/Reinsurance, Wiesbaden. He is responsible for inward reinsurance business. From 2002 to 2003 he held the position of Executive Vice President.

Before joining R+V Versicherung he was Director of Gerling-Konzern Reinsurance, Cologne.

He holds a doctorate from the University of Cologne, School of Business Administration, a Masters degree in Business Administration and a degree in International Management from the Haute Ecole de Commerce, Paris.

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Luigi Lana Luigi Lana has a degree in mechanical engineering from Milan University. He entered the insurance sector in 1978 after a short experience in the industrial world and after having obtained a degree in insurance engineering at Milan University. After a first spell at Abeille Assicurazioni, he moved to Fenice RI insurance as co-director in 1985.

In 1992 he joined Axa Assicurazioni where he was Director of the Milan Department under direct responsibility of the Managing Director.

In October 2003, he joined Reale Mutua di Assicurazioni as Deputy Director General with particular responsibility for the technical, commercial, claims, life and reinsurance departments. He became Director General on 1 October 2006.

He was an advisor in many companies owned by the insurers where he was a manager as well as consultant to various multinational and important Italian companies specialised in systems evaluation.

He has also held various positions at ANIA, the National Association of Insurance Companies. He is the author of a number of technical publications.

Luigi Lana was born in Milan in 1951. He is married and has two children.

Lieve LowetLieve joined AISAM as Deputy Secretary General on 1 June 2003 becoming Secretary General in October 2004. Prior to this, she worked at McKinsey as European insurance expert, specializing in European regulations and bancassurance; she was also a Board member of the European Financial Institutions Centre (EFIC), McKinsey’s business unit specialized in research and analysis of financial institutions which she helped found.

She started her career as a banker at BBL (now ING) Belgium.

Lieve holds a law degree from KUL (Katholieke Universiteit Leuven), Belgium, a BA in philosophy and a Masters degree in International Affairs from SAIS (School of Advanced International Studies), Johns Hopkins University, Washington-Bologna-Nanjing.

She is married with 3 children and lives in Brussels.

Enea MazzoliBorn in Argelato, near Bologna, on 1 August 1927, Enea Mazzoli earned an economics degree from the Bologna University in 1951 and has since been active in the Italian cooperative movement.

From 1958 to 1979, Mr Mazzoli worked for consumers’ co-ops and in 1975 was appointed president and CEO of Coop Italia. From 1979 to 1996, he was president and CEO of Unipol Assicurazioni, which, under his leadership became one of the biggest Italian insurance groups. In July 1996, he was appointed honorary president of the company.

From 1991 to 1995 Mr Mazzoli was president of the LEGACOOP national assembly of cooperatives. At the end of the 1980s, as vice-president of ICMIF, Mr Mazzoli strove

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to develop UNIPOL’s international network. In that connection, along with MACIF and MAIF (the French mutuals), the Belgian group P&V and Folksam, he contributed to the creation of EURES, of which he was president from 1998 to 2002. This network of social economy insurance companies contributed to the creation of common operational projects and has played a big role in the development of partner companies.

Charlie McCreevyCharlie McCreevy, born in 1949, worked as a chartered accountant before 1977 when he was first elected to Dáil Eireann (Irish Parliament) for the constituency where he was born - County Kildare, Ireland. He has resigned his seat to become a Member of the European Commission. Since 1992 he has held various cabinet posts in Fianna Fail-led governments including: Minister for Social welfare, Minister for Tourism and Trade and latterly (1997) Minister for Finance.

Bill McPateBill McPate’s early career was in management consultancy and he is a fellow of the Institute of Management Services. He worked for the UK National Health Service (NHS) for 13 years before joining the Benenden Healthcare Society as its General Manager in 1988.

Benenden is a Friendly Society and it was formed in 1905 to provide sanatorium care for postal workers suffering from tuberculosis. It has adapted its role over time and currently provides its 1 million members a range of healthcare services that supplement the care available through the NHS.

Bill took early retirement in 2004 and now advises Benenden on strategic healthcare and mutuality matters. He is a member of AIM’s Expert Panel and has produced papers and made presentations calling for better promotion of mutual values as the basis for securing competitive advantage over the commercial business model.

Bill lives in Yorkshire where he plays golf and tennis - to keep fit rather than to beat his opponents. Last year he wrote and published a book about Benenden’s 100 year history of service to members.

Patrick PeugeotPatrick Peugeot is currently President of AISAM, Chairman of La Mondiale Partenaire (La Mondiale Group), Chairman of the Development Council of Lille Metropolitan Area and Chairman of CIMADE. Born on 3 August 1937, he graduated from the Ecole Polytechnique and Ecole Nationale d’Administration.

After ten years as civil servant at the Planning Authority, Patrick Peugeot became General Secretary of Assurances Générales de France Vie (AGF Vie) in 1974 and Managing Director of AGF Réassurances in 1978. In June 1983, he was appointed Chairman and Managing Director of the Caisse Centrale de Réassurance, and in November 1983, Chairman and Managing Director of the Société Commerciale de Réassurance (SCOR), the leading French reinsurance company.

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In September 1994, he joined La Mondiale, the leading French mutual insurance company specialised in life insurance as Chairman and Managing Director. On 30 September 2005, he became Honorary Chairman of La Mondiale and Chairman of La Mondiale Partenaire, a subsidiary of La Mondiale Group. He is also Chairman of Fondation La Mondiale, a non profit organization sponsored by La Mondiale Group.

He was a member of the Board of the French Federation of Insurance Companies (FFSA) from January 1996 to December 2004. From June 1997 to January 1999, he was Chairman of the Groupement des Assurances de Personnes (GAP), an association federating all the life insurance companies working in France. Then, from January 1999 to January 2005, he was Chairman of the Réunion des Organismes d’Assurance Mutuelle (ROAM), an association incorporating the largest number of French mutual insurance companies (40 companies). In October 2004, he was elected Chairman of AISAM; having held the position of 1st Vice-President and Treasurer of since March 1999.

He has been Chairman of the Development Council of Lille Metropolitan Area since March 2002 and Chairman of CIMADE since April 2006 (ecumenical mutual aid service).

Mike RogersMike joined Liverpool Victoria as Group Chief Executive in May 2006. Prior to this, he was Managing Director of Barclays UK Retail Banking where he was responsible for the branches, Internet banking, call centres, products and marketing.

After graduating from Cambridge University, in History, in 1986, Mike joined Barclays where he undertook a wide variety of roles within Business Banking, Wealth Management and Retail Banking. He also has a post-graduate diploma in leadership from Exeter University.

Mike is 41, married with three children. He lives in Woking at weekends and Poole during the week.

Agnieszka RozgaAgnieszka Rozga started working in insurance in 1992, when she joined the TUW mutual insurance company. Since then, she has worked as an inspector, department head and director of the TUW TUW reinsurance bureau. In July 2005, she joined the TUW TUW executive board.

She holds a diploma in finances and the banking industry from the Warsaw school of advanced studies of insurance and the banking industry. She also earned a Master of Arts in financial services from Bournemouth University in the UK.

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Philippe Saffray Philippe Saffray, who studied at the School for Advanced Studies in the Social Sciences (EHESS), worked in real estate and then in communications before joining the MACIF Group in 1995. In 2004, after a stint as technical manager and then a sectoral supervisor, he joined the Group’s International Relations Management for the Social Economy.

In September 2004, he was appointed director of operations at MACIF Zycie TUW, a Polish life insurance subsidiary of the MACIF Group, with the task of developing the subsidiary from the ground up.

On 30 August 2006, Philippe Saffray was appointed chairman of the executive board of MACIF Zycie TUW.

Jean-Claude�SeysA graduate of HEC and INSEAD, Jean-Claude Seys was born on 13 November 1938. He began his career as a representative of the trade advisor at the French embassy in Algiers and then in New York.

After two years at the BNP, he held various posts at Crédit Agricole from 1969 to 1986.

In 1987, he was appointed President of the Executive Board of the Banque Louis Dreyfus, member of the CNPF finance commission and joined the financial commission of the Association Française des Banques.

In 1990, Jean-Claude Seys was appointed Managing Director of MAAF Assurances, and then CEO in 1992. Jean-Claude Seys is currently a Board member of MAAF. In 1998, Jean-Claude Seys held concurrently the post of CEO of the MMA mutual group.

From 1990 to June 2005, he held concurrently the posts of CEO of two mutual insurers, MAAF and MMA. Jean-Claude Seys underscores the usefulness of reaching out to partners who are open to social economy enterprises, even if each entity must remain independent and distinct.

In that connection, he created the SGAM* Covéa on 18 June 2003, bringing together under the same umbrella the MAAF and MMA groups in order to develop jointly common tools open to other mutuals, with the idea of achieving economies of scale or to reach a critical size. He is currently CEO of SGAM Covéa. On 15 December 2005, the AZUR and GMF mutuals joined Covéa, which is now the biggest non-life insurance group in France.

Distinctions: Jean-Claude Seys has been awarded the National Order of Merit and the Legion of Honour.

(*)Mutualinsurancecompanygroup

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Paul SharmaPaul heads the UK’s FSA department responsible for formulating and implementing regulatory policy across the three regulatory sectors of banking, insurance and securities. The department is responsible for policy on prudential risks (market risk, credit risk, liquidity risk, operational risk and insurance risk).

Paul joined the UK insurance regulatory (then the DTI) in 1993 where he held a succession of posts including line responsibility for the large UK composite insurance groups, the credit insurance sector and the run-off and insolvent insurance companies. In 1998, when insurance regulation was transferred to the FSA, Paul was promoted to head the policy area for insurance and later promoted again to his present cross-sectoral responsibilities.

Prior to becoming a regulatory Paul worked for Ernst and Young as a specialist financial services auditor.

Paul is a chartered accountant and a mathematics graduate from Cambridge University, and is currently in charge within CEIOPS of Pillar I working group.

Mogens N. SkovMogens N. Skov is President & Chief Executive Officer of Købstædernes Forsikring in Denmark and has worked in Danish and international insurance and reinsurance since 1976.

On 1 September 1997 he accepted a position as President & Chief Executive Officer at Købstædernes Forsikring which is the oldest existing insurance company in Denmark as it was established in 1761. The company has always played a very active role in AISAM and Mogens Skov has thus participated in Working Groups within AISAM since 1998.

Mogens Skov is a member of the board of the association of Danish mutual insurance companies and serves as a board member of various Danish insurance associations.

He holds a degree in Insurance & Managerial Accounting from the Copenhagen High School of Economics.

He was born on 18 May 1955 and is married with 3 children.

Rolf Soedjak Rolf Soedjak started his international career in the 1970s at ABN AMRO Bank. In 1996, he became Director Corporate and Credit of SNS Bank Nederland. After the take-over of the Dutch activities of Banque de Suez and the merger with the Dutch insurance group Reaal, the company changed its name to SNS REAAL Group, ranking 5 of the Dutch financial institutions and active as an all-finance, multi-channel, multi-brand organisation.

In 1999 he was nominated as Director for International Affairs, covering, among other things, international strategy and relations for the Group. Although focused on the Dutch market, the Group maintains many international ties, both in Europe and beyond.

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He is also an active Member of the International Cooperative and Mutual Insurers’ Federation (ICMIF), the International Insurance Society, the European Savings Banks Group and World Savings Banks Institute.

Abed Yacoubi SoussaneAbed Yacoubi Soussane graduated as an agricultural engineer from the Institut Agronomique de Paris in 1966. At that time he was President of UNEM- France (National Union of Students from Morocco).

On his return to Morocco, Abed Yacoubi joined the agricultural ministry where he was in charge of the recuperation of the colonial agricultural land. At SOGETA, he managed 600,000 Ha of land.

In 1972, Abed Yacoubi joined MAMDA as Director General. In 1999, the Board named him President Director General of the MAMDA MCMA Group.

Abed Yacoubi serves on the Board of several companies including ONA, la BCM, SNI, MCR…etc.

Abed Yacoubi is President of the Association of Agronomists of Morocco.

At the end of September 2006, Abed Yacoubi received from His Majesty King Mohammed VI a plaque to commemorate his contribution to the financing of projects of a social nature, in the framework of actions carried out by MAMDA-MCMA group’s Foundation.

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