If P&C Insurance is pleased to invite you to a conference call

If P&C Insurance is pleased to invite you to a conference call on Wednesday February 11, 2004, at 16:30 (CET) to review the annual result Torbjörn Magnusson, CEO, Ricard Wennerklint, CFO, and Nils Henriksson, CIO, will represent If. Prepared remarks will take approximately 20 minutes and will be followed by a question-and-answer session. To register to the conference, be allocated the conference call number, a participant user pin and instructions on how to join the conference call, please use the link below If you have not obtained a pin code through web registration procedures please call + 44 (0) 207 162 0125 and ask to be connected to the If teleconference. A replay version will be available until February 18, dial-in number +44 (0)20 8288 4459, access code: 264232. For further information about the result announcement, please visit the If website at www.if-insurance.com ------------------------------------------------------------ This information was brought to you by Waymaker http://www.waymaker.net The following files are available for download: http://www.waymaker.net/bitonline/2004/02/05/20040205BIT00710/wkr0001.doc http://www.waymaker.net/bitonline/2004/02/05/20040205BIT00710/wkr0002.pdf

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If P&C Insurance is the leading property and casualty insurance company in the Nordic area