CGU P.L.C.

St. Helen's, 1 Undershaft, London EC3P 2DQ, England; 44-171-283-2000; fax: 44-171-662-8182

www.cguplc.com

1997* 1996*

Int'l premiums** $10,309,572,000 $10,487,880,000

U.S. 41% 39%

Non-U.S. 59% 61%

Employees 24,800 24,800

U.S. 8,300 8,400

Non-U.S. 16,500 16,400

Combined ratio 104% 106%

* Figures are pro forma and reflect the merger of Commercial Union P.L.C. and General Accident P.L.C., which took place June 2, 1998. ** Converted at applicable exchange rates.

Intl. P/C operations began: 1870.

Specialties: Marine.

Services: Captive programs; loss control services.

Licensed or accepted insurer in: Australia, Belgium, Canada, Cyprus, France, Greece, Indonesia, Ireland, Italy, Malaysia, Netherlands, New Zealand, Poland, Portugal, South Africa, Spain, Switzerland, Thailand, Turkey, United Kingdom, United States, Vietnam, Zimbabwe.

Officers: Bob Scott, CEO; Tony Wyand, deputy CEO; Peter Foster, group finance director; Philip Twyman, Peter Ward, executive directors.

U.S. contact: Bob Gowdy, president/CEO-U.S. operations, 617-725-6000.

CNA

CNA Plaza, Chicago, Ill. 60685; 312-822-5815; fax: 312-755-5111

www.cnainternational.com

1997 1996

Int'l premiums $260,000,000 $240,000,000

Offices: Claims 7 2

Underwriting 8 5

Employees 262 116

U.S. 129 91

Non-U.S. 133 25

Underwriting in foreign countries 48 45

Owned offices in foreign countries 6 4

Intl. P/C operations began: 1964.

Parent: CNA Financial Corp.

Specialties: Property, liability, workers comp, marine, D&O/professional liabilty, fidelity, warranty.

Services: Captive programs; loss control services for property, liabiity, workers comp, marine; retrospectively rated programs; statistics in support of international programs.

Licensed or accepted insurer in: Argentina, Australia, Canada, Denmark, France, Guam, Hong Kong, United Kingdom, United States.

Affiliates/fronting arrangements: Argentina, Australia, Austria, Belgium, Brazil, Canada, Chile, China, Colombia, Czech Republic, Denmark, Ecuador, Egypt, Finland, France, Germany, Gibraltar, Greece, Guam, Hong Kong, Hungary, Indonesia, Ireland, Israel, Italy, Japan, Lebanon, Malaysia, Mexico, Netherlands, New Zealand, Norway, Panama, Peru, Philippines, Poland, Portugal, Puerto Rico, Russia, Saudi Arabia, Singapore, Slovakia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, Turkey, United Arab Emirates, United Kingdom, Venezuela.

Officers: Dennis Chookaszian, chairman/CEO; Philip Engel, president; Bernard Hengesbaugh, executive vp/COO; Robert T. Van Gieson, chairman/CEO-global operations; Michael J. Marchesani, president-CNA International.

U.S. contact: Luis Fierro, 312-822-5815.

Chubb & Son Inc.

15 Mountain View Road, Warren, N.J. 07059; 908-903-2000; fax: 908-903-3134

www.chubb.com

1997 1996

Int'l premiums* $844,108,000 $750,614,000

U.S. 15% 17%

Non-U.S. 85% 83%

Offices: Claims 40 40

Underwriting 61 60

Employees 2,139 1,937

U.S. 146 130

Non-U.S. 1,993 1,807

Underwriting in foreign countries 32 32

Owned offices in foreign countries 30 30

* Reflects net premiums.

Intl. P/C operations began: 1960.

Specialties: Property, general liability, D&O liability, inland and ocean marine, boiler and machinery, travel, accident.

Services: Captive programs; loss control services for property, general liability, inland and ocean marine and boiler and machinery; retrospectively rated programs.

Licensed or accepted insurer in: Argentina, Australia, Belgium, Bermuda, Brazil, Canada, Chile, Colombia, Denmark, France, Germany, Greece, Hong Kong, Ireland, Italy, Japan, Luxembourg, Mexico, Netherlands, Portugal, Puerto Rico, Singapore, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, United Kingdom, United States, Venezuela.

Affiliates/fronting arrangements: Antigua (Caribbean Alliance Insurance), Bahamas (J.S. Johnson), Bahrain (Bahrain Kuwait Insurance Co.), Barbados (Phoenix Assurance Co. Ltd.), Bermuda (Freisenbruch-Meyer Insurance Services), Bolivia (Bolivar S.A. de Seguros Edificio Boliviar), Botswana (Botswana Insurance Co. Pty. Ltd.) Bulgaria (Bulgarian Foreign Insurance & Reinsurance), China (People's Insurance Co. of China), Congo (Societe Nationale Assurance ET), Croatia (Slavija Lloyd Reinsurance Co. Ltd.), Czech Republic (Ceska Pojistovna A.S.; Kooperativa Czecholovenska Druzstevni Pojistovna), Dominican Republic (Seguros America C. por A.), Ecuador (Compania de Seguros El Condor S.A.), Egypt (Al Chark Insurance Co. SAE), El Salvador (La Centro Americana Cia. de Seguros), Estonia (Insurance Co. "Inges") Finland (Pohjola Insurance Co. Ltd.), Greece (Horizon Insurance Co.), Guam (Cassidy Associated Insurers Inc.), Guatemala (Seguros Alianza), Guyana (The Guyana & Trinidad Mutual Fire Insurance Co. Ltd.), Honduras (Aseguadora Hondurena S.A.), Hungary (Hungaria Biztosito), Iceland (Sjova-Almennar Tryggingar H/F), India (Peraj Pvt. Ltd), Indonesia (PT Asuransi Central Asia), Israel (Sahar Israel Insurance Co. Ltd.), Jamaica (British Caribbean Insurance Co. Ltd.), Kenya (Phoenix of East Africa), Kuwait (Bahrain Kuwait Insurance Co.), Latvia (Balva Insurance Co.), Lithuania (Lindra Draudimo Kompanjia), Malaysia (Overseas Assurance Corp.), Mauritius (Swan Insurance Co. Ltd.), Mongolia (Mongolian National Insurance & Reinsurance Co.), Nepal (The Orienal Insurance Co.), New Zealand (GIO Insurance Ltd.), Norway (Uni Storebrand Skadeforsikring AS), Pakistan (Royal Insurance Co.), Panama (ASSA Compania de Seguros S.A.), Papua New Guinea (General Accident Fire & Life Assurance), Paraguay (Grupo General De Seguros), Peru (Compania de Seguros La Fenix Peruana), Philippines (The Netherlands Insurance Co.), Poland (Warta Towarzystwo Ubezpieczen), Portugal (Munidal-Confianca Insurance Co.), Qatar (Al-Khaleej Insurance Co.), Romania (Astra Insurance), Russia (Ingosstrakh), Saudi Arabia (National Co. for Cooperative Insurance), Senegal (Assurances Generales Senegalaises), Slovakia (Kooperativa), Slovenia (Triglav Insurance Co. Ltd.), South Africa (The Hollard Insurance Co. Ltd.), Trinidad and Tobago (Colonial Fire & General Insurance Co. Ltd.) Turkey (Isviere Sigorta A.S.), United Arab Emirates (Abu Dhabi National Insurance Co.), Uruguay (Guardian Insurance Co. S.A.), Vietnam (Vietnam Insurance Co.), Virgin Islands (Marshall & Sterling Inc.).

Officers: Dean R. O'Hare, chairman; John J. Degnan, president; Thomas F. Motamed, executive vp/COO; David B. Kelso, executive vp/CFO; Charles M. Luchs, vp/chief underwriting officer.

U.S. contact: Donna J. Lovre, public relations manager.

CIGNA International

1601 Chestnut St., Philadelphia, Pa. 19192; 215-761-4746; fax: 215-761-5468

www.cigna.com

1997 1996

Int'l premiums $1,915,000,000 $1,989,200,000

U.S. 9.3% 9.4%

Non-U.S. 90.7% 90.6%

Offices: Claims 243 220

Underwriting 243 220

Employees 3,783 3,820

U.S. 407 420

Non-U.S. 3,376 3,400

Underwriting in foreign countries 43 43

Owned offices in foreign countries 43 43

Combined ratio 95% 94.2%

Intl. P/C operations began: 1792.

Parent: CIGNA Corp.

Specialties: Commercial property/casualty, including energy, marine and technical lines; surety; crime and terrorism and global insurance programs.

Services: Captive programs; loss control services for energy and technical, fire, marine, casualty; retrospectively rated programs; statistics in support of international programs for energy and technical, marine, casualty, fire, multinational and cross-border programs.

Licensed or accepted insurer in*: Argentina, Australia, Austria, Belgium, Bermuda, Brazil, Canada, Chile, China, Colombia, Denmark, Equador, Finland, France, Germany, Greece, Guam, Guatemala, Hong Kong, India, Indonesia, Ireland, Israel, Italy, Japan, Macau, Malaysia, Malta, Mexico, Netherlands, New Zealand, Norway, Pakistan, Panama, Philippines, Poland, Portugal, Puerto Rico, Saudi Arabia, Singapore, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, Turkey, United Kingdom, United States, Venezuela, Vietnam.

Officers: Kingsley Schubert, president; Robert Pulka, senior vp-property/casualty; Terry Kendall, senior vp-life/accident/health; Chris James, senior vp-gobal health care; Samuel B. Cupp, senior vp-multinational risk management programs; Gary Schmalzriedt, president-CIGNA Insurance Co. of Europe; Paul Hartley, senior vp-Asia/Pacific operations; Basilio Pugatchenko, senior vp-Latin American Operations; Samuel B. Cupp, North American operations.

U.S. contact: Paul Gallanda, director-international public affairs.

* Includes countries in which CIGNA International has affiliates or fronting arrangements.