Arcadis NV

Arcadis NV is listed on NASDAQ (ARCAF). Introduction We are an international company that delivers consulting, engineering and project management services in the areas of infrastructure, environment and facilities. ARCADIS N.V. is a public company organized on August 16, 1982 under the laws of The Kingdom of the Netherlands. Our initial predecessor was incorporated in the Netherlands in 1888 under the name Nederlandsche Heidemaatschappij. Most of our commercial activities are undertaken under the trade name ARCADIS. In some countries, we operate under different legal or commercial names for local competitive reasons. Our principal office is located at: Nieuwe Stationsstraat 10, 6811 KS Arnhem, the Netherlands and our telephone number at that address is 31-26-3778911.

Arch Capital Group Ltd.

Arch Capital Group Ltd. is listed on NASDAQ (ACGL). We refer you to the section below entitled Risk Factors for a discussion of risk factors relating to our business. OUR COMPANY General Arch Capital Group Ltd. (ACGL and, together with its subsidiaries, the Company, we, or us) is a Bermuda public limited liability company with over $2.5 billion in capital and, through operations in Bermuda, the United States and Europe, writes insurance and reinsurance on a worldwide basis. While we are positioned to provide a full range of property and casualty insurance and reinsurance lines, we focus on writing specialty lines of insurance and reinsurance. We launched an underwriting initiative in October 2001 to meet current and future demand in the global insurance and reinsurance markets.

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