1. 2006 Medical Professional Liability Symposium Chicago, Illinois ~ March 14 & 15, 2006 The Impact of Technology on Underwriting Hospital Professional Liability Crystal Brown, CNA HealthPro Drew Bartkiewicz, DarwinPro Rob Bartolone, Zurich North America Louise Bitting, Integro Ltd.

2. From the Headlines.... “Northwest Hospital Chain Loses Patient Data: Stolen Laptop Contains Unsecured Data on 365,000 Patients” Data contained names, addresses, social security numbers and medical diagnoses. Class action status sought for suit filed by one angry patient. -consumeraffairs.com, February 2, 2006

3. 2006 Medical Professional Liability Symposium Chicago, Illinois ~ March 14 & 15, 2006 The Impact of Technology on Underwriting Hospital Professional Liability Crystal Brown, CNA HealthPro Drew Bartkiewicz, DarwinPro Rob Bartolone, Zurich North America Louise Bitting, Integro Ltd.

4. From the Headlines.... “Fear Of Suits Has Hospitals Turning Camera-Shy” “Cameras can get in the way, violate staffers’ privacy and ‘increase risk of professional liability’” -Chicago Sun Times, February 6, 2006

5. 2006 Medical Professional Liability Symposium Chicago, Illinois ~ March 14 & 15, 2006 The Impact of Technology on Underwriting Hospital Professional Liability Crystal Brown, CNA HealthPro Drew Bartkiewicz, DarwinPro Rob Bartolone, Zurich North America Louise Bitting, Integro Ltd.

6. From the Headlines.... “In the Hospital: Cellphones Can Be Advantageous to Your Health” Researchers found that using cellphones instead of pagers was associated with a 22% reduction in the risk of medical error or injury resulting from communication delay. -The New York Times, February 7, 2006

7. 2006 Medical Professional Liability Symposium Chicago, Illinois ~ March 14 & 15, 2006 The Impact of Technology on Underwriting Hospital Professional Liability Crystal Brown, CNA HealthPro Drew Bartkiewicz, DarwinPro Rob Bartolone, Zurich North America Louise Bitting, Integro Ltd.

8. From the Headlines.... “The Federal Trade Commission announced that ChoicePoint would pay $15 million to settle charges it violated consumer privacy rights and federal laws” Identity thieves masquerading as legitimate corporations were given access to the Social Security numbers, credit reports and personal information of over 160,000 consumers -ABCnews.com, January 28, 2006

9. 2006 Medical Professional Liability Symposium Chicago, Illinois ~ March 14 & 15, 2006 The Impact of Technology on Underwriting Hospital Professional Liability Crystal Brown, CNA HealthPro Drew Bartkiewicz, DarwinPro Rob Bartolone, Zurich North America Louise Bitting, Integro Ltd.

10. From the Headlines.... DATA INSECURITY “Rash of Security Breaches Hit Hospitals, Insurers” Cover story – “Regardless of whether the security and privacy failures were the result of hapless human error or the mischief of thieves, the providers in each case were ultimately held accountable by the public.” -Modern Healthcare, February 20, 2006

11. 2006 Medical Professional Liability Symposium Chicago, Illinois ~ March 14 & 15, 2006 The Impact of Technology on Underwriting Hospital Professional Liability Crystal Brown, CNA HealthPro Drew Bartkiewicz, DarwinPro Rob Bartolone, Zurich North America Louise Bitting, Integro Ltd.

12. “Surge in Criminal-Driven Cyber Attacks Anticipated in 2006” “IBM believes that the environment has shifted – with increased security protection on most systems and stiffer penalties, we are seeing organized, committed and tenacious profiteers enter this space.” -Dow Jones News Services, January 23, 2006 From the Headlines....

13. 2006 Medical Professional Liability Symposium Chicago, Illinois ~ March 14 & 15, 2006 The Impact of Technology on Underwriting Hospital Professional Liability Crystal Brown, CNA HealthPro Drew Bartkiewicz, DarwinPro Rob Bartolone, Zurich North America Louise Bitting, Integro Ltd.

14. From the Headlines.... “FBI: 90% of Organizations Face Computer Attack; 64% Incur Financial Loss” Viruses (83.7%) and spyware (79.5%) led the list for type of attack. Viruses and worms cost the most, accounting for $12 million of the $32 million in losses reported in 2005 FBI Computer Crime Survey -Insurance Journal, January 18, 2006