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%% In millions except for per-share data. %%

%% 4th Qtr. Dec. 31 1999 1998

Net income (loss) a(308.0) b(147.0)

Per share (diluted) (1.68) (.81)

Year 1999 1998

One-time loss c231.0 d169.0

Net income (loss) e(130.0) f282.0

Per share (diluted) (.77) 1.49

%%

a–Includes after-tax catastrophe losses of $80 million and a net investment loss of $8 million.

b–Includes net investment gain of $116 million.

c–Includes after-tax restructuring-related charges of $54 million and after-tax item from accounting change of $177 million.

d–After-tax restructuring and other related charges.

e–Includes net investment gain of $192 million and after-tax catastrophe losses of $80 million, after-tax loss of $363 million on expense reserve strengthening for prior periods and workers compensation reinsurance, and an after-tax charge of $54 million for restructuring.

f–Includes net investment gain of $434 million.