We have low levels of arrears, strong credit risk management and a low risk balance sheet.

We have started 2006 strongly, with lending performance and pipeline ahead of the good numbers of the comparable period last year.

It was our way of repaying the area that allowed us to grow.

September 11 did not create the threat Saddam posed. But it altered crucially the balance of risk as to whether to deal with it or simply carry on, however imperfectly, trying to contain it,

The goal is to come up with aggressive and comprehensive risk management strategies.

As a global leader in risk management services, combining our North American divisions and integrating our products across all lines of business further enhances our ability to provide even greater quality service and drive growth. Our customers will notice that the options and services available to them have been enhanced and that the new structure will provide access to all services from a single entry point.