Significant Earnings and Capital Accumulation

($ in millions)

Note: The information presented above is preliminary. Final results for 2002 will be released on January 23, 2003.

(1) Excludes dividends to Citigroup in connection with March 2002 IPO

(2) Current projections based on various assumptions, including normal catastrophe losses, no net realized investment gains or losses and no asbestos incurral

(1)

(2)

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