THE HALLMARK INSURANCE COMPANY LIMITED STAFF PENSION AND WIDOWS FUND (UK) SCHEME (the “Scheme”)

Notice is hereby given that any persons having a claim or interest in The Hallmark Insurance Company Limited Staff Pension and Widows Fund (UK) Scheme (previously known as The Hibernian Insurance Company Limited Staff Pension and Widows Fund (UK) Scheme) (“the Scheme”) are required to send particulars of such claim or interest in writing by registered post to the Trustees of The Hallmark Insurance Company Limited Staff Pension and Widows Fund (UK) Scheme, c/o Paul Cassidy, Crown House, 145 City Road, London EC1V 1LP, within 2 months of the date below. The Trustees of the Scheme will distribute the remaining Scheme assets in accordance with the provisions of the Trust Deed and Rules of the Scheme among the Members and any other persons entitled to benefit having regard only to claims and interests of which they have had notice and will not in respect of the property so distributed by liable to any person of whose claims they shall not have had notice. Any person who has already been notified of having an entitlement under the Scheme or who has made a claim and received a response need not re-apply to the Trustees. 26 July 2001.