Ppic Trust

To hold all of the issued and outstanding shares of planned protection insurance co., ltd. ("ppic"), a bermuda corporation, which was formed to act as a "captive" self-insurance funding facility with respect to professional liability and similar exposures arising from the charitable services of the trust's tax-exempt beneficiaries. The trust's primary responsibilities are (1) to elect the board of ppic and otherwise exercise voting rights as ppic's sole stockholder, (2) to distribute amounts received upon the issuance of a dividend or upon the liquidation and dissolution of ppic, and (3) to report annually to the trust's beneficiaries about the foregoing.