Analyst Presentation Year -End 2002

Analyst Presentation Year-End 2002 Monday, 17 February 2003 Skandia will announce their year-end 2002 results on Wednesday, 12 February 2003 and would like to invite you to an analyst presentation in London on Monday, 17 February 2003. Lars-Eric Petersson, Chief Executive Officer, will be joined by representatives of the Skandia management to discuss their results and business development. The presentation will be held on: Monday 17th February 2003 at 11.00 am - 12.30 pm at The City Presentation Centre Chiswell Street London EC1 Save the date Skandia will be holding a Capital Markets Day for institutional investors and financial analysts on 17 March 2003. A detailed schedule will be provided as part of the invitation, which will be distributed nearer the date. The invitation will also be available on Skandia's homepage: www.skandia.com We hope you can attend and would be grateful if you could return the fax reply form below to Jacqueline Hillier on fax: +44 (0)20 7256 7563, or alternatively send your response by email to: jacqueline.hillier@citigatedr.co.uk. Kind regards Harry Vos Head of Investor Relations PLEASE RETURN THIS FORM BY EMAIL OR FAX TO: Jacqueline Hillier at Citigate Dewe Rogerson Email: jacqueline.hillier@citigatedr.co.uk Fax Number: + 44 (0)20 7256 7563 NAME: JOB TITLE: COMPANY: EMAIL: TEL: FAX: I will attend the I will not attend the presentation on the presentation on the 17 February 17 February I will be replaced by: NAME: (TITLE) ------------------------------------------------------------ This information was brought to you by Waymaker http://www.waymaker.net The following files are available for download: http://www.waymaker.net/bitonline/2003/02/06/20030206BIT00260/wkr0001.doc http://www.waymaker.net/bitonline/2003/02/06/20030206BIT00260/wkr0002.pdf