Underwriting Discipline: Price Initiatives

First Quarter 2001

Rate

Increase

Specialty D&O 24% 76% 0% 80% E&O 1% 87% (1%) 81% Medical Malpractice* 29% 53% 17% 63%

Continued Progress on Exposure-Based Pricing

2001 Analyst Conference

(

Total Year 2000

Retention

Retention

Rate

Increase

*Institutions and Large Physician Accounts

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