Investor Presentaiton

Business Model Customers Distribution channel Manufacturing 13 Note: Percentages reflect 2006 Telephone and Internet insure OVER 257 first direct Ninsure JARDINE LLOYD THOMPSON Inner Seniors 08:00 169 0177 RENAULT insurance Alexander Forbes Direct Marketing Affinity ERS 86% Panel 14% Transfers ERS 52% IAG Insurance Face-to-face equity Motor & Home Insurance Branches Panel 48%

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