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EXHIBIT B <br /> ADVANTAGE/DISADVANTAGE COMPARISON <br /> CHARTER HOUSE FRED S. JAMES <br /> ADVANTAGE DISADVANTAGE ADVANTAGE DISADVANTAGE <br /> Pool is 100% reinsurance. Stability of reinsurers Defense costs included <br /> First $ coverage by insurance = in limit. <br /> company. Good situation if No annual audit and subsequent = <br /> reinsurance market remains back biting. <br /> stable. However, if = <br /> reinsurance is insolvent Acquisitions during the year are <br /> liability would revert automatically covered. <br /> back to the pool for <br /> satisfaction of the loss. The following separately held <br /> = policies could be cancelled: <br /> Vehicle deductions are lower. Liability deduction is RT.ICY NAME B D®AMT. Maintenance deductible <br /> $5000. Blanket Bond $4,000 <br /> _ = Telephone/ 4,000 $2500 each and every loss <br /> Defense costs separate from Computer Equip. <br /> limit. communications/ 4,000 <br /> Equipment <br /> (Radios, Towers) <br /> EMS Malpractice 6,500 <br /> Total 18,500 <br /> Quote less than <br /> renewal quote 6,733 <br /> Total estimated <br /> savings 25,233 <br /> claims office set up in Raleigh to <br /> handle only claims for the NaCo <br /> policy holders. <br /> Policy would be pro-rated <br /> to expire annually on June 30. <br /> This would mean estimates for <br /> S budget would be more accurate <br /> Since they would be given during <br /> the same quarter as the renewal <br /> was due. <br /> Broader coverage under General <br /> Liability would include medical <br /> payment for accident or auto <br /> accident. <br /> No withdrawal penalty if terminated <br /> at anniversary date. <br />