member panel to adjudge disputes between insurance companies and their clients or other parties and also issue decisions on violations of control and supervision instructions of insurance companies. The term of the panel, formed of Dr. Bandar bin Raja Alshammari as chairman and each of Dr. Khalid bin Hasan Banasr and Dr. Waleed bin Mohammed Alshaibani as members, will be three renewable years. The Cabinet approved the draft memorandum of cultural and scientific cooperation between the Ministry of Higher Education of the Kingdom of Saudi Arabia and the Ministry of Higher Education and Scientific Research of the Hashemite Kingdom of Jordan, aiming at exchanging scientific materials and expertise in the field of technological and technical education and organizing cultural programs between the two parties. --More 2004 Local Time 1704 GMT