Jack Heller, CPCU 1500 Woodland Lake Drive, Snellville, GA 30078 770-736-0617 (home) 678-464-9879 (cell) jh118bbfa@westpost.

net Experience * Product and Business plan development for the P&C Industry; various organizati ons 2008-present) * Ideation of product concepts and Business plans for several start up ventures: Additionally I have been a graduate student during this time at the Robinson Co llege of Business, Georgia State University in Enterprise Risk Management Course work has included, Corporate Risk Management; Security and Privacy(IT/Accountin g);Global Economics and Finance. * VP of Personal Lines, OneBeacon Insurance (2001-2007) * Turn Around of Results, Large Scale Operations, and Insurer Creation: * Boston: Direct PL auto operations. Results of the personal auto book ($580 Mil lion) were the main focus in 2001-2002. The loss ratio improved in 2002 by 7.3 p oints to 65.9% and set the stage for even more improvement in 2003 to 57.2% for countrywide auto. I was Part of Team that created AutoOne. * Buffalo: Head NYPL operations (Auto & Home/Pkg.) and developed Adirondack Insu rance Exchange. In 2003 improved NYPL LR to 61.5 % and a combined of 99.8 % (a 1 2 point improvement).In 2004 achieved a CAY combined of 93.1 % and 88.1 % in 200 5. Significant improvement of the PL results was generated by major reunderwriti ng efforts on auto and homeowners including windstorm exposure reductions in Suf folk Co. NY. My role was that of principal driver in creation of Adirondack Insu rance Exchange and initial President of its Management Co. * Austin: Texas Regional Manager for OneBeacon's PL Expansion operations and led a team that appointed 60 agents with over 300 locations in the first year. * Web Entrepreneur/Agent eCommerce (1999-2001) * I was Co-creator of Insurance Browser Inc. and www.insurancebrowser.com. Devel oped the web content and its direct mail interaction; targeting Northeast Metro Atlanta. Developed industry contacts and support, and began writing Personal Lin es Business. * President and CEO, Southern Heritage Insurance Company (1996-1999) * Total Results Responsibility, Turn Around of Results: * CEO of a 12-year-old B++ rated small Property and Casualty Company. Major impr ovements were made to catastrophe exposure (wind/quake), as well as the overly e xposed profile to high auto liability limits. Major changes in the strategic dir ection of the company were accomplished including pricing improvements. The book of business was particularly improved on the property lines by company actions initiated in FL and LA. We achieved a modest profit, the first in several years. Introduced company to its 12th state (SC); completed system conversion for 2000 compliance; and maintained stable premium volume during a 12 month due diligenc e by the purchasers which resulted in a successful sale in 1998. In the CEO role I made all cat treaty and quota share reinsurance purchases. * Senior Vice President and Chief Operating Officer, CNA PL Merge Business Units (1995-1996) * This position was responsible for profit or loss on $ 187 million book of busi ness written in five Midwest states and Merged CIC and CNA PL products. Direct r eports of 117 people performing claims, sales, marketing and support functions s evering over 700 agents * Commercial Lines Branch Manager Continental Insurance CL Management (1993-1994 ) * As Commercial Lines Branch Manager, I directed new business acquisition from 4

0 Agency and Broker entities in North Carolina. Special recognition was received for assistance to the Healthcare Division in the writing of Charlotte Mecklenbu rg Hospital Authority Professional Liability coverage. I also developed program for plastic roll cart manufacturers. * Personal Lines Officer SE USA, Continental Insurance Heavy Coastal Exposure (1 989-1993) * This was position of Profit or Loss on $115 M in PL premium. ROR for 1991 was 22% or after tax income of $7.9 M. The after tax income for policy years 1992 a nd 1993 was $3.8 M and $5.0 M respectively. Our business was written through 350 Independent Agents and Brokers. In a matrix management configuration this posit ion was responsible for setting underwriting policy and strategic direction for a staff in Carmel, IN, a group of 70 professional and clerical positions. This r ole involved all major exceptions of residential value or limits to be underwrit ten by me personally. In this position I also developed the underwriting require ments for the Link + package policy to be approved by the NC Rate Bureau's Prope rty Committee and the State of NC. This position was expanded in 1992 to include $40 million in small commercial accounts, primarily BOP type accounts with the heaviest volume in FL. * Education o Bachelor of Arts -Double Major: Government and Geography, Texas Christian Uni versity, 1974 o Marketing and Accounting Courses: El Centro College, Dallas, Texas. 1976. o Associate in Management: Insurance Institute 1982. o Associate in Marine Insurance Management, (Ocean & Inland): Insurance Institut e 1991. o Chartered Property and Casualty Underwriter, CPCU: Insurance Institute 1991. * Enterprise Risk Management Graduate Program: Georgia State University's Robins on College of Business. (Currently enrolled in evening classes) * Awards and Recognition * Advanced Officer Training, TCU Battalion, Texas Christian University, 1972. * Academic Scholarship Award, Texas Christian University, Fort Worth, TX, 1973. * Elected Vice Chairman of the NCRB Property Committee, 1990-1994. * The Chairman's Award, Continental Insurance, 1990. * Commercial Lines Regional Sales Award, Continental Insurance 1994. * Elected to the Vestry St. Bedes Episcopal Church, Atlanta and named Senior War den 1997-1999. * White Mountains Annual reports in 2003 and 2004 note my performance at improvi ng our PL results. * Member Board of Managers New Jersey Skylands Management Company, 2005-2007 * Director Houston General Insurance Company, 2006-2007.