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Standard & Poor’s Ratings Services announced that it will hold a telephone conference call on Monday, Nov. 1, 2004, at 1 p.m. U.S. Eastern Time.

The bulletin said Donovan Fraser, John Iten, Mark Puccia, Tom Upton, and other S&P credit analysts “will provide an update on Standard & Poor’s ongoing review of the Insurance Brokerage and U.S. Property/Casualty sectors. The rationale behind the negative outlooks placed on American International Group Inc. and ACE, Ltd. will be discussed during this call.”

S&P noted that it has “issued a number of articles relating to the above. To access these reports, please go to , click on Credit Ratings from left hand navigation bar, then select Insurance under Browse by Sector, and the article will be posted within the Commentary & News section of the resultant web page.”

The teleconference broadcast is offered by S&P on a complimentary basis. It will begin promptly at the time indicated. Please call at least 15 minutes before the scheduled start of the call to complete the pre-call registration process.

Live Dial-in Numbers:
US/All Others: 1-484-630-6046
UK: 44-20-7943-5370
Conference ID# 8970195
Passcode: SANDP

Replays: Recorded replays of the call are made available about an hour after the call concludes and are available until Monday, Nov. 8, 2004. Replay number: 1-203-369-0295.

RealAudio(tm): The call will also be available live in “listen-only” mode at (http://www.events.standardandpoors.com/) for listeners with the Real Player(tm) software, sound card, and speakers. The RealAudio(tm) playback is available until Monday, November 29, 2004.

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