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Aviva Life Australia Ltd* is formally known as Norwich Union. Aviva has operated in Australia for over 100 years. Globally, Aviva Australia is part of Aviva plc, the world's sixth largest insurance group, the largest insurer in the UK and one of the top five life companies in Europe. Its main activities are long-term savings, fund management and general insurance. It has premium income and investment sales of $77.6 billion, and around $683.9 billion of assets under management. The group has 59,000 employees serving 30 million customers worldwide.

CommInsure is a leader in the Australian insurance industry and part of the Commonwealth Bank Group. The CommInsure name was first introduced in 1999. CommInsure's roots within the Australian insurance industry go back well over one hundred years.

Australian Casualty and Life (AC&L) is a subsidiary of the AXA Group. AC&L no longer offers new policies on a stand alone basis, their offers have been integrated into the AXA offer. Therefore for all information on this group please look at AXA.

American International Group (AIG) has been operating in Australia for over 30 years. AIG has operations in approximately 130 countries and jurisdictions. The strength of the AIG brand is evidenced by it's global assets which exceed $A900 billion and employees over 80,000 people. AIG Life in Australia is a high quality specialist provider of financial products designed to offer comprehensive, affordable solutions.

AMP Life, established in 1849 as a mutual company, AMP listed on the Australian and New Zealand Stock Exchanges in mid-1998. AMP has transformed from a mutual society centred on life insurance into a leading wealth management company operating regionally. In December 2003, AMP split into two separate regionally-focused listed companies - AMP in Australia and HHG in the UK.

Asteron Life was formally known as Royal and Sun Alliance. Asteron draws on more then 170 years of financial services experience. With 1200 employees and more than one million customers in Australia and New Zealand, Asteron handles 286,000 life policies. The Promina brand, comprising 6000 staff across 210 offices, also includes such household business names as AAMI, Shannons, Vero, Tyndall, as well as Asteron.

Asgard is the investment administration platform of Asgard Wealth Solutions. The investment administration platform - offers retirement, investment, cash, insurance and margin loan accounts.

AXA Australia is one of the largest financial services groups on the world operating in over 60 countries and with total group assets of over 755 billion Euros ($A1200 billion) . AXA was formed in Australia with the takeover of National Mutual Life Association in 1999. AXA also owns Australian Casualty and Life (AC&L) and is currently in the process of moving all business to the AXA brand.

Citicorp Citigroup Inc. is a financial services company, with some 200 million customer accounts in more than 100 countries. Its history dates back to the founding of Citibank in 1812, Bank Handlowy in 1870, Smith Barney in 1873, Banamex in 1884, and Salomon Brothers in 1910. Other major brand names under Citigroup's trademark red umbrella include CitiCards, CitiFinancial, CitiMortgage, CitiInsurance, Primerica, Diners Club, The Citigroup Private Bank, and CitiCapital.

ING Life is one of Australia's leading life insurers and fund managers and with over $40 billion in assets under management. ING is an international company based in Amsterdam. The insurance arm of ING was previously known as Mercantile Mutual

MLC Life helps Australians to maintain their financial security, with a range of quality services to deal with life's unforeseen events. MLC was established in 1886, when the Citizen's Life Assurance Company Ltd was incorporated in Sydney. MLC is owned by NAB.

Tower Life is a leading provider of financial services in Australasia. The parent company, Tower Limited, is listed on the stock exchanges of both Australia and New Zealand. Founded over 130 years ago in New Zealand, Tower established itself in Australia in 1990 with the purchase of Adriatic Life Limited. Tower has since continued to grow strongly in Australia through both natural growth and the acquisition of other businesses.

Zurich Life is an insurance-based financial services provider. The Group holds especially strong positions in three key markets - the United States, United Kingdom and Switzerland - and listings on the Zurich and London stock exchanges. Founded in 1872, Zurich is headquartered in Zurich, Switzerland. We have offices in approximately 50 countries and employ about 62,000 people worldwide.

* Certain directors of Meritum Pty Limited are salaried employees of the Aviva Group. Although employees must obey the lawful directions of their employer, Aviva has not to date, and has no current intention of, providing directions to these directors.