Invitation to Q3 Teleconference call

Invitation to Q3 Teleconference call If P&C Insurance is pleased to invite you to a conference call on Wednesday 5 November, 2003, at 16:30 (CET) to review the Q3 Report Announcement. 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 November 11, dial-in number +44 (0)20 8288 4459, access code: 488922. For further information about the result announcement, please visit the If website at Caroline Rosén Head of Investor Relations, + 46 8 788 38 53, +46 70 589 00 37 Elisabeth Wisén, Investor Relations + 46 8 788 24 28, +46 70 338 24 28 ------------------------------------------------------------ This information was brought to you by Waymaker The following files are available for download:

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