The shareholders and principal executives of Cumberland Insurance & Reinsurance Company s.a.l. have spent the majority of their working lives in the insurance industry in the Middle East.

Capitalizing on contacts and friendships made in the region, the shareholders and principal executives of Cumberland have been successful in establishing the following joint ventures in the Kingdom of Saudi Arabia and in Egypt during recent years.

Cumberland Insurance & Reinsurance Company E.C. Ltd (Bahrain)

This Company was incorporated in June 1998 as a joint stock limited liability company in the State of Bahrain under the country's Offshore Insurance Law. The paid-up capital of this Company is currently Saudi Riyals 7,000,000. The Company operates a branch network with offices in:

KINGDOM OF SAUDI ARABIA			Al-Khobar - Head Office
			Galleria Center, King Khalid Street , Al-Khobar 31952, P.O. Box 3589, Al-Khobar 31952, Saudi Arabia Tel: +966-3-896 0017 Fax: +966-3-898 68 52
			Jeddah Branch
			Suite 61, Gulf Centre, Al-Madinah Road, Jeddah, Saudi Arabia Tel: +966-2-668 2325 Fax: +966-2-664 8483
			Riyadh Branch
			5th Floor, Naher Commercial Centre, Oalya Street, Riyadh, Saudi Arabia Tel: +966 1 217 0186 Fax: +966 1 217 0186

MedicareCumberland S.A.E (Egypt)

This Company was incorporated during December 1998 as a joint stock limited liability company in Cairo - Egypt. The company is registered as a service company that provides HMO services in Egypt. The capital of this Company is currently L.E. 4,000,000

EGYPT			Cairo - Head Office
			Nile Badrawi Hospital, 11th Floor, Corniche El-Nile El-Maadi Cairo. Tel: +20-2-524 0517 Fax: +20-2-524 0072

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