Corporate History

Ervin B. Davis & Company, Inc., a specialty company, was borne in 1989 and specializes in the marketing of claims service to the insurance industry and self-insured employers with emphasis in the administrative service, investigation, claims adjusting, and defense of workers' compensation claims. . . the pre-trial investigation and defense of state and federal black lung (pneumoconiosis) claims. . . and the administration of private medical and disability insurance plans covering employee benefits. Our staff possesses over 200 years of collective experience in the management and cost containment of workers' compensation claims and has adjusted claims for as many as 1,000 commercial risks and 550 coal mining companies simultaneously.

Additionally, wholly owned corporate affiliates provide services including medical case management and vocational rehabilitation, multiple-line insurance adjusting, and fraudulent claim investigations to serve the needs of our clients. All claims services are available in a multi-state region from our offices located in Richlands and Richmond, Virginia. Our unparalleled experience offers our clients the opportunity to reduce and control claim costs in the highly competitive claims industry.

Rehabilitation & Job Placement Services was founded in 1992 for the purpose of providing support services for our clients in the form of medical case management and vocational rehabilitation services, promoting a teamwork approach with the injured worker, employer and physician to achieve cost containment results.

With the advent of Global Risk & Adjusting Services, in 1995 our services were expanded to the multiple line insurance adjusting markets to serve a defined need in the industry for high quality, efficient multiple line adjusting of property, casualty, liability, and environmental loss claims.

Investigative services for the detection of fraudulent claim activity are also available from our affiliate, Investigative Technology, in the form of surveillance, activity and dependency checks, on-line skip tracing/identification/checking, and many other investigative activities tailored to client specifications.

Our clients can expect prompt, cost-effective service from our entire family of claims servicing professionals with the highest standards of quality and value.

Ervin B. Davis & Company, Inc. . . . a company that can and will deliver the claim service promised.

Dear Prospective Client:

As a third party administrator, Ervin B. Davis & Company, Inc., has investigated and adjusted millions of dollars in workers' compensation claims providing a Master Claim ServiceÔ to our clients. Our highly specialized management staff offers more than 200 years collective experience in providing unparalleled support services to our clients.

Our Workers' Compensation Claim Management System©, Preferred Provider Organization Management System, Customary and Reasonable (UCR) Fee Review Screens, Pharmacy Review Program, and Computerized Reporting Technology afford us the most advanced technology to provide services in the disability management, medical care, and cost control fields.

Biography

Rehabilitation & Job Placement Services provides medical case management and a broad range of vocational rehabilitation services focusing on restoring injured individuals to a productive lifestyle.

Global Risk & Adjusting Services offers multiple line claims service with special expertise in adjusting property, casualty, liability, and environmental losses.

Investigative Technology provides fraud detection services which include surveillance, activity and dependency checks, and on-line investigations. Field operations are handled by professional investigators with a goal of advancing the best interests of our clients at highly competitive rates.

We invite you to browse our web site and consider the value our services could be to your company. Any questions may be addressed by contacting us at ebdc@adelphia.net, telephone (540) 964-4088, or regular mail at P. O. Box 1029, Richlands, Virginia 24641-1029.

Sincerely,

Ervin B. Davis

President & CEO

THOMAS R. SCOTT, JR., ESQ. - Education: Hampden-Sydney College (B.A., 1974); T. C. Williams School of Law at University of Richmond (J.D., 1976). Substitute Judge, Twenty Ninth Judicial District (1983-1993). Fellow; The American College of Trial Lawyers; Advocate: American Board of Trial Advocacy; Tenth District Ethics Committee (1990-1993), Secretary (1991-1992), Chairman (1993); Faculty Member, Virginia Bar Course on Professionalism; Past member, Governor's Advisory Committee on Workers' Compensation. Member: Buchanan County (past President) Virginia and American Bar Associations; Virginia State Bar; Virginia Trial Lawyers Association (Past member Board of Governors); The Association of Trial Lawyers of America; National Association of Criminal Defense Lawyers.

Mr. Scott is senior partner of the "AV" rated law firm Street, Street, Street, Scott & Bowman and serves as "in-house" and corporate legal counsel for Ervin B. Davis & Company, Inc. Mr. Scott possesses extensive experience in the practice of workers' compensation litigation issues before the Virginia Workers' Compensation Commission, Court of Appeals, and Supreme Court of Virginia. Mr. Scott also makes appearances before the General Assembly representing the interests of the insurance industry and self-insured employers.

Corporate Boardroom

JOSEPH W. BOWMAN, ESQ. - Education: Wake Forest University (B.A., 1975); West Virginia University (J.D., 1978). A senior partner of the law firm Street, Street, Street, Scott & Bowman of Grundy, Virginia, Mr. Bowman also provides "in-house" legal counsel and recommendations with regard to compensation and rehabilitation issues. He is a member of both the Virginia and West Virginia bars and the American Bar Association. Mr. Bowman has specialized in the defense of federal black lung claims and in the administrative practice of law with approximately 18 years of practice before the United States Department of Labor. In addition, he has considerable experience in the defense handling of workers' compensation claims before the Virginia Workers' Compensation Commission.