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MARYLAND INSURANCE ADMINISTRATION - page 43 / 43

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Information Act found in Md. Code Ann., State Government, §§ 10-601, et

seq. (1999 Repl. Vol.).

It is so ORDERED, this 18th day of June, 2004.

Alfred W. Redmer, Jr. Insurance Commissioner

Signature on file with original

by:

P. Todd Cioni Associate Commissioner Compliance and Enforcement Unit

RESPONDENT'S CONSENT

Respondent hereby consents to the above CONSENT ORDER.

Lawrence A. Vranka _________________________ Name

Vice-President

Title

Signature on file with original

6/15/04

Signature

Date

4

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