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Investor Presentaiton

Market Performance Combined Ratio and Market Share Market average = 99.5% RBS Aviva R&SA Zurich 30 50 25 25 IAG Insurance Australia Group Market Share % 20 20 15 10 equity REDSTAR 5 Co-op AXA ♦ Allianz Fortis◆ Liv Vic NFU Highway Groupama HBOS MMA HSBC Provident Brit 130 120 110 100 90 2003-2005 Combined Ratio % (FSA / GAAP 18 Note: HBOS includes First Alternative from 2005 basis) 80 0 70 70
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