ANNUAL GENERAL MEETINGS

No. The Privacy Act precludes access by IAGL to these customer data bases without the consent of the individual customers. The NRMA privacy statement does not cover the disclosure and use of its customer’s personal information by IAGL for any purpose.

Under the terms of the demutualization scheme, the NRMA and NRMA Insurance (now Insurance Australia Limited) agreed to permit access to their respective customer data bases for a period of 12 months post demutualization for the specific purpose of the resolution of disputes regarding the allocation of shares in the company which is now IAGL. This specific purpose expired on or about August 2001. The relevant Privacy Act provisions became operative in December 2001 and now govern the collection, use and disclosure of all customer personal information.

No. The Privacy Act precludes access by IAGL to these customer data bases without the consent of the individual customers. None of the group insurance companies’ privacy statements currently cover the disclosure and use of its customer’s personal information by IAGL for any purpose.

Yes. IAGL continues to conduct mail campaigns on a 6 monthly basis using the database of mail redirection notices maintained by Australia Post to reduce the level of "lost shareholders".