Registration for this term's BERMUDA INSURANCE DIPLOMA COURSES takes place January 17-21. The course offerings, which start up mid-February, include PROPERTY AND LIABILITY INSURANCE PRINCIPLES which includes the basic principles of insurance, an overview of the nature and operation of the insurance business and an introduction to insurance contracts. PERSONAL INSURANCE explores personal insurance including property, liability, auto; homeowners, personal loss exposures, life, health, disability and financial planning. COMMERCIAL INSURANCE explores commercial coverage including property, business income, inland and ocean marine, crime, boiler and machinery, general liability, auto, workers compensation, farm and business owners, as well as miscellaneous liability coverages, surety, and excess and surplus lines. THE BERMUDA INSURANCE MARKET course covers the development of the Bermuda Insurance Market; Bermuda's Legal System and Legislation; Captives; Reinsurance and Alternate Risk/Finance Transfer. IIA COURSES include LIABILITY CLAIMS PRACTICES dealing with investigation, evaluation of damages, litigation management, auto/home/commercial liability and coverages issues, settlement and ADR strategies and case studies. REINSURANCE PRINCIPLES AND PRACTICES covers introduction to reinsurance, types of reinsurance and reinsurance program design, the reinsurance placement process, common reinsurance treaty clauses, quota share treaties, surplus share treaties, property per risk excess of loss treaties, casualty excess of loss treaties, catastrophe reinsurance, aggregate excess of loss treaties, reinsurance audits, reinsurance regulation, reinsurance aspects of the NAIC Annual Statement and reserves. RISK FINANCING ARM covers insurance as a risk financing technique; reinsurance and self insurance, retrospective rating plans and captive insurance companies, finite and integrated risk insurance plans, capital market products, forecasting accidental losses, accounting and income tax aspects, claim administration and allocating risk management costs.

CPCU COURSES include RISK MANAGEMENT, INSURANCE AND PROFESSIONALISM, which covers the foundations of risk management & insurance as well as ethical practices. THE LEGAL ENVIRONMENT OF RISK MANAGEMENT AND INSURANCE course covers the legal system; criminal law, international torts, negligence, product and professional liability, contracts, real property, credit and bankruptcy, principal and agent, employment law, business entities, corporate management and shareholder rights, consumer protection and insurance law. BUSINESS AND FINANCIAL ANALYSIS FOR RISK MANAGEMENT AND INSURANCE PROFESSIONALS covers corporate finance, financial statements and taxes, time value of money, discounted cash flow valuation, interest rates, bond valuation, stock valuation, net present value, other investment criteria, capital investment decisions, project analysis and evaluation, capital market history, risk metrics, cost of capital, financial leverage, capital structure policy, cash and liquidity management, financial engineering and mergers and acquisitions. COMMERCIAL LIABILITY RISK MANAGEMENT AND INSURANCE covers liability loss exposures, risk control, CGL, business auto, garage and motor carrier, workers' compensation and employers' liability, professional liability, environmental insurance, aviation, marine, excess and umbrella liability and advanced risk management techniques.

All IIA Courses cost $375.00, CPCU courses are $425.00 while Bermuda Insurance Market Courses are $500. There is a $75 discount for employees of Patron Members and a $50 discount for employees of Member companies. For more information and precise starting dates, contact the BII at 295-1596.

Bermuda Employers' Council seminar FOCUS: Achieving Your Highest Priorities is Franklin Covey's productivity workshop for today's demanding work environment where success is no longer measured by simply getting things done. It's the people who know how to focus on the most important goals that move their organisations forward-and enjoy a greater sense of job satisfaction. Angela Brangman and Martha Kirkland will present the one day seminar on January 20 between 8:45-5:00pm. The cost is $375 for members and $425 for non-members. To register call 295-5070 or e-mail psemosbec.bm

Bermuda Employers' Council seminar The Four Disciplines of Execution will take place on January 25 between 8.45 -5 p.m. Richard James and Martha Kirkland will lead the one-day seminar that is designed to help managers lead teams to successfully execute top priorities and goals that must be accomplished with total excellence. The cost is $375 for members and $425 for non-members. To register call 295-5070 or e-mail psemosbec.bm

Corporate Philanthropy Mentoring Package will be led by Michelle St. Jane on February 1 from 8:45am-5pm. The cost is $330 for Bermuda Employers' Council members and $385 for non-members. For registration call 295-5070 or e-mail psemosbec.bm.

Professional Liability Underwriting Society's (PLUS) D&O Liability and Insurance Issues Symposium will take place February 2 & 3 at the Marriott Marquis in New York City. The Symposium is an intermediate to advanced program addressing significant D&O liability issues affecting the legal and insurance marketplace. Insurance professionals and attorneys will gain valuable insight into the most recent developments in Directors' and Officers' liability. For more information call 952-746-2580 or register online at www.plusweb.org under the D&O Symposium.

ACE Limited will hold its year-end, fourth quarter earnings conference call on Thursday, February 3, 2005, beginning at 8:30 a.m. Eastern Standard Time.

ACE intends to release its fourth quarter and full year 2004 financial results after 6:00 p.m. Bermuda time on February 2. A copy of these documents will be available promptly following such issuance at www.acelimited.com. The earnings conference call will be available via live and archived webcast or by dialling 973-582-2734. A replay of the call will be available February 3-March 3, 2005. To listen to the replay dial 973-341-3080, passcode 5527078.

Franklin Covey's Project Management programme is scheduled for February 4 from 8.45-5pm. The program, to be led by Angela Brangman, is designed for people whose assignments are project orientated but have no previous project management training. Registration is $375 for BEC members and $425 for non-members. For registration call 295-5070 or e-mail psemosbec.bm.

PartnerRe intends to release its 2004 fourth quarter and full year results after the market close on February 7. Senior management will conduct a dial-in conference call, which will include a question and answer period, on February 8 at 11 a.m. Bermuda time. Investors and analysts are encouraged to call in 15 minutes prior to the commencement of the call. The conference call can be accessed by dialling 913-981-4900 or at www.partnerre.com. To listen to the webcast, please log on at least five minutes prior to the start.

Max Re Capital Ltd. intends to hold a conference call to discuss fourth quarter financial results with interested investors and shareholders on February 7 at 11:00 am Bermuda time. Robert J. Cooney, Chief Executive Officer, and Keith S. Hynes, Chief Financial Officer will host the call which may be accessed by dialling: 1-617-614-3672 ten minutes prior to the start of the call. The access code is 78584917. A replay of the call will be available until March 7 and may be accessed by dialling 1-617-801-6888 and using the access Code: 20063010.