Investor Presentaiton

Business Model - Hastings Direct Hastings DIRECT IAG Insurance Australia Group 20 20 Intermediary Distribution Internet 213k Policies 304k Policies Telephone Direct Distribution 548k Policies Hastings Direct Panel 2006 Hannover Advantage 26% 24% Panel 50% Note: Hannover ceased in 2007, we expect Advantage to write the majority of this business Advantage

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