TOWERS, PERRIN, FORSTER & CROSBY, INC.

ANYDAY VALUATION

employee benefit plan administration services;VALUATION;

BANKRISK

newsletters in the field of risk management;bank risk;

BANKRISK

newsletters in the field of financial institution risk management;BANK RISK;

BENEFITMANAGER

COMPUTER PROGRAMS IN THE FIELD OF EMPLOYEE PENSION, SAVINGS, PROFIT-SHARING, STOCK-PURCHASE AND BENEFIT PLANS;BENEFIT MANAGER;

BENEFITPLANNER

INTERACTIVE COMPUTER PROGRAMS USED TO PROVIDE INFORMATION ON EMPLOYEE PENSION PLANS;BENEFIT PLANNER;

BENVAL

Management Consulting and Advisory Services-Namely, Assessment and Planning Services Concerning Employee Benefit Plans and Practices and Compensation Programs;

BUILDING RELATIONSHIPS - PRODUCING RESULTS

Consulting services in the fields of banking, insurance and risk management; actuarial services; reinsurance brokerage services;BUILDING RELATION SHIPS PRODUCING RESULTS;Management consulting services for businesses, non-profit organizations and government agencies in the fields of employee compensation and benefits, employer-employee communications, personnel and human resource management, contingency planning, strategic planning, finance, operations, organizational structure and reorganization, and product development and marketing; custom preparation of employer-employee communications materials;

BUSINESSIGHT

BUSINESS SIGHTBUSINESS SITE;Business management consulting services, namely, providing programs and consulting services to improve employee performance, gauge employee attitudes, and foster employee understanding of contribution to, and involvement in, employer's business;

CALMS+PROPHIT

COMPUTER PROGRAMS FOR USE BY LIFE AND HEALTH INSURANCE COMPANIES;

CAP:LINK

Computer software used in stochastic modeling of the capital markets for financial planning and risk management;CAP LINK;

CAPTIVE INSURANCE COMPANY DIRECTORY

annually published reference book in the field of risk management and financing;DIRECTORY;

CAPTIVE INSURANCE COMPANY REPORTS

APPLICANT DISCLAIMS THE WORDS CAPTIVE INSURANCE COMPANY REPORTS APART FROM THE MARK AS SHOWN.;NEWSLETTER;

CMP

CONSULTING AND ADVISORY SERVICES IN THE FIELD OF FINANCE;CONSULTING AND ADVISORY SERVICES IN THE FIELDS OF STRATEGIC PLANNING, ORGANIZATION AND HUMAN RESOURCES, MARKETING, OPERATIONS, GENERAL MANAGEMENT, PRODUCT DEVELOPMENT AND MANAGEMENT, AND INFORMATION SYSTEMS MANAGEMENT;

COMPLIANCEMANAGER

COMPUTER PROGRAMS USED TO ANALYZE AND MODEL EMPLOYEE BENEFIT PLANS TO MEET TAX CODE NONDISCRIMINATION REQUIREMENTS;COMPLIANCE MANAGER;

COST OF RISK SURVEY

questionnaires and reports in the fields of corporate risk management and insurance;

CRESAP, MCCORMICK AND PAGET

CONSULTING AND ADVISORY SERVICES IN THE FIELD OF FINANCE;CONSULTING AND ADVISORY SERVICES IN THE FIELDS OF STRATEGIC PLANNING, ORGANIZATION AND HUMAN RESOURCES, MARKETING, OPERATIONS, FINANCE, GENERAL MANAGEMENT, PRODUCT DEVELOPMENT AND MANAGEMENT, AND INFORMATION SYSTEMS MANAGEMENT;

DCALLIANCE NEWS

newsletters on the subject of employee benefit plan administration and employee benefit plan administration computer programs;NEWS;

EMPLOYEE ENGAGEMENT INDEX

Publications, namely, survey questionnaires and reports for evaluating employee performance, attitudes, understanding of, contribution to, and involvement in business;EMPLOYEE;

EXPECT THE BEST

VIDEOTAPES CONCERNING MATERNITY CARE, CHILD CARE, DAY CARE AND RELATED EMPLOYEE BENEFITS;INFORMATIONAL WORKBOOKS CONCERNING MATERNITY CARE, CHILD CARE, DAY CARE AND RELATED EMPLOYEE BENEFITS;DEVELOPING CUSTOM INFORMATION PROGRAMS FOR EMPLOYEES CONCERNING MATERNITY CARE, CHILD CARE, DAY CARE AND RELATED EMPLOYEE BENEFITS;

FLEX ROUNDTABLES

Flexible Round Table;arranging and conducting conferences in the field of employee benefits;ROUNDTABLES;

FLEXALLIANCE NEWS

newsletters on the subject of employee benefit plan administration and employee benefit plan administration computer programs;FLEX ALLIANCE NEWS;NEWS;

FLEXCONNECT

computer programs in the field of employee benefit plans;FLEX CONNECT;

FLEXELECT

flexible selection;providing employee benefit consulting services by means of a computerized data base of employee selection patterns under flexible benefit plans;

FLEXPLANNER

INTERACTIVE COMPUTER PROGRAMS FOR USE BY EMPLOYEE BENEFIT, HUMAN RESOURCE, EMPLOYEE COMMUNICATIONS AND PERSONNEL ADMINISTRATORS TO PROVIDE INFORMATION TO EMPLOYEES ON EMPLOYEE BENEFIT PLANS;FLEX PLANNER;

FLEXPRICE

Flexible Price;consulting services in the field of group health benefit plans;

FLEXPULSE

printed reports summarizing and analyzing the results of surveys in the field of employee benefit plans;flexible Pulse;

FLEXSELECT

INTERACTIVE COMPUTER PROGRAMS USED TO PROVIDE INFORMATION ON EMPLOYEE BENEFIT PLANS;FLEXIBLE SELECT;

FLEXTRACK

flexible track;providing employee benefit consulting services by means of a computerized database of information on flexible benefits;

FULL CIRCLE FEEDBACK

[ computer software in the field of human resources ];printed publications, namely, reports, [ brochures, guides and manuals ] in the field of human resources;FULL CIRCLE FEED BACK;[ consulting services in the field of human resources ];FEEDBACK;

GROUPMANAGER

computer programs in the field of employee benefit plans;GROUP MANAGER;

HP3

consulting services, namely compiling a database of information concerning organized health care systems, and using this database to assist employers in selecting health care plans, monitoring and evaluating the performance of health care systems, and managing employee health care plans;

ISSUES AND OUTLOOK

Newsletter Published at Intervals for Distribution to Corporate Executives Relating to General Management Topics and Other Topics of Interest to Such Executives;

LIFE CYCLE

employee benefit plan administration, and consulting services in the field of employee benefit plans;

MANAGED FLEX

Managed Flexible;consulting services in the field of employee benefits;

MED PLANNER

interactive computer programs in the field of employee benefit plans;PLANNER;

MY RETIREMENT ADVISOR

COMPUTER SOFTWARE IN THE FIELD OF RETIREMENT PLANNING BENEFITS AND INVESTMENT PORTFOLIOS FOR USE BY EMPLOYERS AND INDIVIDUALS;PROVIDING AN ON-LINE ELECTRONIC INTERACTIVE DATABASE ON A GLOBAL COMPUTER NETWORK CONTAINING INFORMATION AND MODELING TOOLS IN THE FIELD OF RETIREMENT PLANNING, BENEFITS AND INVESTMENT PORTFOLIOS;RETIREMENT ADVISOR;

MYPAY-MYWAY.COM

BUSINESS CONSULTING SERVICES IN THE FIELD OF EMPLOYEE COMPENSATION, BENEFITS, AND PENSIONS;

OPT:LINK

Computer modeling software for financial professionals at pension plans and insurance companies for use in financial planning, asset allocation, and analysis of risk/reward tradeoffs in capital markets;OPT LINK;

OUTLOOK

computer programs for use in retirement planning;

OUTLOOK

computer programs for use in retirement planning;

PEGASUS ADVISORS

Consulting and brokerage services in the field of reinsurance and risk management;ADVISORS;

PENCALC

Management Consulting and Advisory Services Using Computer-Based Systems in the Field of Pension Benefits and Options;

PENCALC

COMPUTER PROGRAMS IN THE FIELD OF PENSION BENEFITS;PENSION CALCULATION;

PENSIONPLANNER

INTERACTIVE COMPUTER PROGRAMS USED TO PROVIDE INFORMATION ON EMPLOYEE PENSION PLANS;PENSION PLANNER;

PEOPLE EFFECTIVENESS

consulting services in the field of business management and human resources;

PEOPLE STRATEGISTS

consulting services for businesses, non-profit organizations and government agencies in the fields of employee compensation and benefits, employer-employee communications, personnel and human resource management, strategic planning, operations, organizational structure and reorganization, and marketing;

PEOPLE STRATEGY

consulting services for businesses, non-profit organizations and government agencies in the fields of employee compensation and benefits, employer-employee communications, personnel and human resource management, strategic planning, operations, organizational structure and reorganization, and marketing;

PLAN.IT

Retirement and financial planning software;PLAN IT;

RETIREECHOICES

Providing information and comparative analysis of retiree medical benefit plans via the Internet; consulting and administration services in the field of employee benefit plans, namely assisting employers in evaluating retiree medical benefit plans and negotiating plan design and premium rates for retiree medical benefit plans;

RETIREMENT RISK SOLUTIONS

Consulting services in the fields of pension and retiree benefit plans;RETIREMENT;

RISKVALUEINSIGHTS

providing insurance companies with enterprise-wide risk assessment, measurement, analysis, modeling, and management services, and with advice regarding capital management, asset/liability management, risk financing, reinsurance, and hedging;RISK VALUE INSIGHTS;

ROSTERMANAGER

ROSTER MANAGER;consulting and administration services in the field of employee benefit plans;

SALARY MANAGER PLUS

COMPUTER PROGRAMS IN THE FIELD OF EMPLOYEE COMPENSATION ADMINISTRATION;FIRST USED IN COMMERCE IN ANOTHER FORM IN JANUARY, 1986;FIRST USED IN ANOTHER FORM IN JANUARY, 1986;SALARY;

SAVINGSPLANNER

INTERACTIVE COMPUTER PROGRAMS USED TO PROVIDE INFORMATION ON EMPLOYEE PENSION PLANS;SAVINGS PLANNER;

SSCALC

PRE-RECORDED COMPUTER PROGRAMS;IN THE STATEMENT, COLUMN 1, LINE 11, COMUTER SHOULD BE DELETED AND COMPUTER SHOULD BE INSERTED.;OPERATING AND TRAINING MANUALS RELATING TO [ COMUTER ] * COMPUTER * PROGRAMS;MANAGEMENT CONSULTING AND ADVISORY SERVICES ON SOCIAL SECURITY BENEFIT DETERMINATIONS;

TAS

computer programs for use by life and health insurance companies;

TAS TILLINGHAST ACTUARIAL SOFTWARE

computer programs for use by insurance actuaries;TAS;ACTUARIAL SOFTWARE;

TELESIS

consulting services, namely, assisting businesses in formulating and implementing business strategies and assisting governments, government agencies and industrial associations in formulating and implementing industrial and economic policy;

THE PEOPLE STRATEGY COMPANY

consulting services for businesses, non-profit organizations and government agencies in the fields of employee compensation and benefits, employer-employee communications, personnel and human resource management, strategic planning, operations, organizational structure and reorganization, and marketing;COMPANY;

TILLINGHAST

COMPUTER PROGRAMS IN THE FIELDS OF INSURANCE, RISK MANAGEMENT AND HEALTH CARE;FIRST USED IN COMMERCE IN ANOTHER FORM IN 1982;FIRST USED IN COMMERCE IN ANOTHER FORM IN 1977;PERIODICALS, NEWSLETTERS, REPORTS AND DIRECTORIES IN THE FIELDS OF INSURANCE AND RISK MANAGEMENT;FIRST USED IN COMMERCE IN ANOTHER FORM IN 1977;TILLING GHAST;ACTUARIAL SERVICES; CONSULTING SERVICES IN THE FIELDS OF INSURANCE AND RISK MANAGEMENT;CONSULTING SERVICES IN THE FIELDS OF BUSINESS CONTINGENCY PLANNING AND INFORMATION SYSTEMS SECURITY;FIRST USED IN ANOTHER FORM IN 1962;

TILLINGHAST'S WISDOM

database of information stored on computer diskettes concerning insurance company financial and sales results and industry ratings, life insurance product features and premium rates, and other comparative, competitive, and product performance information; computer software for retrieving and manipulating such database information;TILLINGHAST is not intended to identify a living individual.;The lining in the drawing is a feature of the mark and is not meant to indicate color.;

TOPCAT

computer software for use in insurance risk evaluation and catastrophe modeling;TOP CAT;

TOPCAT NEWS

Publications, namely, newsletters in the field of insurance risk evaluation and catastrophe modeling;TOP CAT NEWS;NEWS;

TOWERS PERRIN TRENDLINE

newsletter concerning management issues directed to executives of banks, savings and loans, investment banks, and other financial institutions;

TPCONNECT

CONSULTING SERVICES TO BUSINESSES, GOVERNMENTS, AND NON-PROFIT ORGANIZATIONS, NAMELY, CONSULTING SERVICES IN THE FIELD OF HUMAN RESOURCES;COMPUTER SERVICES IN THE NATURE OF DESIGNING COMPUTER SOFTWARE AND DESIGNING AND IMPLEMENTING INTERNETS AND INTRANETS FOR USE BY BUSINESSES, GOVERNMENTS, AND NON-PROFIT ORGANIZATIONS IN THE FIELD OF HUMAN RESOURCES AND EMPLOYEE BENEFITS MANAGEMENT; INTEGRATION OF COMPUTER SYSTEMS FOR BUSINESSES, GOVERNMENTS, AND NON-PROFIT ORGANIZATIONS IN THE FIELD OF HUMAN RESOURCES AND EMPLOYEE BENEFITS MANAGEMENT;

TPF&C

CUSTOM PREPARATION OF FILMED EMPLOYEE COMMUNICATIONS FOR A VARIETY OF ORGANIZATIONS;GENERAL AGENCY INSURANCE SERVICES AND INSURANCE BROKERAGE SERVICES IN CONNECTION WITH ALL KINDS OF INSURANCE, INDEMNITY AND SURETY BONDS;MANAGEMENT CONSULTING AND ADVISORY SERVICES IN THE AREAS OF COMPENSATION, EMPLOYEE BENEFITS, ACTUARIAL AND RELATED MATHEMATICAL STUDIES, INCLUDING THE PREPARATION THEREOF, ORGANIZATION AND CORPORATE PLANNING, HUMAN RESOURCES PLANNING AND DEVELOPMENT, BEHAVIORAL SYSTEMS, HUMAN RESOURCE INFORMATION SYSTEMS, INSURANCE MARKETING AND INSURANCE RISK MANAGEMENT AND FOR THE CUSTOM PREPARATION OF PRINTED EMPLOYEE COMMUNICATIONS FOR A VARIETY OF ORGANIZATIONS;

TPF&C

CUSTOM PREPARATION OF FILMED EMPLOYEE COMMUNICATIONS FOR A VARIETY OF ORGANIZATIONS;GENERAL AGENCY INSURANCE SERVICES AND INSURANCE BROKERAGE SERVICES IN CONNECTION WITH ALL KINDS OF INSURANCE, INDEMNITY AND SURETY BONDS;MANAGEMENT CONSULTING AND ADVISORY SERVICES IN THE AREAS OF COMPENSATION, EMPLOYEE BENEFITS, ACTUARIAL AND RELATED MATHEMATICAL STUDIES, INCLUDING THE PREPARATION THEREOF, ORGANIZATION AND CORPORATE PLANNING, HUMAN RESOURCES PLANNING AND DEVELOPMENT, BEHAVIORAL SYSTEMS, HUMAN RESOURCE INFORMATION SYSTEMS, INSURANCE MARKETING AND INSURANCE RISK MANAGEMENT AND FOR THE CUSTOM PREPARATION OF PRINTED EMPLOYEE COMMUNICATIONS FOR A VARIETY OF ORGANIZATIONS;

TPF&C

COMPUTER PROGRAMS IN THE FIELD OF EMPLOYEE COMPENSATION, BENEFIT PLANS AND JOB EVALUATION;TPFC;

TPF&C

COMPUTER PROGRAMS IN THE FIELD OF EMPLOYEE COMPENSATION, BENEFIT PLANS AND JOB EVALUATION;TPFC;ACTUARIAL SERVICES; REINSURANCE BROKERAGE SERVICES;MANAGEMENT CONSULTING SERVICES IN THE FIELDS OF EMPLOYEE COMPENSATION AND BENEFITS, EMPLOYEE COMMUNICATIONS, AND HUMAN RESOURCES; CUSTOM PREPARATION OF EMPLOYEE COMMUNICATIONS MATERIALS;

TPF&C COMPENSATION DATA BANK

The mark consists of the words TPF&C Compensation Data Bank and a design including a stylized dollar sign.;No claim is made to the exclusive right to use the words Compensation Data Bank, apart from the mark as shown.;Providing Consulting Services Utilizing Computerized Surveys to Provide Competitive Information on Executive Compensation;