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           INTERVENANT
























                                                Robert Neill is the Vice President, Head of International, and Counsel for the American Property and
                                                Casualty Insurance Association (APCIA). Prior to joining APCIA, Robert spent 10 years at the American
                                                Council  of  Life  Insurers  and  also  worked  in  the  newly  formed  Federal  Insurance  Office  in  the  U.S.
                                                Treasury Department.

                                                Robert also worked in the Office of Legislative Legal Services in the Colorado General Assembly.  He
                                                has a Juris Doctorate, from Cumberland Law School at Samford University and is a graduate of Auburn
                                                University with a Bachelor of Science degree in business finance.



         M. Robert NEILL



         Vice President, Head of
         International, and Counsel
         American Property and
         Casualty Insurance
         Association (APCIA)
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