Terms and Conditions before downloading the Independent Expert's report

Before downloading the Independent Expert's report, please read and accept the following terms and conditions, which are a copy of the limitations on use set out within the report:

The report must be read in its entirety. Individual sections of the report could be misleading if considered in isolation from each other.

A copy of the report has been sent to the FSA and with the transfer application to the Court. It will also be available to policyholders and other members of the public as required by the relevant applicable legislation.

The report has been prepared for and addressed to the directors of Great Lakes Reinsurance (UK) PLC, Great Lakes Services Limited and Munich Reinsurance America, Inc. as a body for the purpose of producing the Independent Expert’s Scheme Report in accordance with PwC's engagement letter with Great Lakes Reinsurance (UK) PLC, Great Lakes Services Limited and Munich Reinsurance America, Inc. dated 15 January 2008 (an extract of which is attached at Appendix D to the report) and is not for the use or benefit of any other party or for any other purpose other than for the use of the court under the Financial Services and Markets Act 2000.

Neither PricewaterhouseCoopers LLP nor Mr Fred Duncan (the Independent Expert) accept or assume any responsibility, liability or duty of care for any use of or reliance on the report by any other person or for any other purpose, including but not limited to the consequences of any other person acting or refraining to act in reliance on the report or for any decisions made or not made which are based upon such report.

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