Investor Presentaiton

28 HBOS FACTS Owns St Andrews, ESure, Sheila's Wheels and First Alternative £1.977bn GWP in 2005 St Andrews is the largest underwriter in the Group £327m GWP from motor insurance in 2005 £507m GWP from household insurance in 2005 ESure's motor insurance book was £237m GWP in 2005 and household insurance was £36.9m Distributes through some major corporate partners (Sainsbury's) Other Split of book 2005 Gross written premium, 2005 ₤m A FIRST ALTERNATIVE Source: Datamonitor 2006 Motor Repayment (Third party) Household Repayment (Group business) HBOSple IAG Insurance Australia Group Shetlas Wheels 0 100 200 300 400 500 600 esure HALIFAX

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