CGU rolls out solution from DWL to e-nable transactions with brokerages across Canada

Real-Time Point Of Service Over The Web Expected To Optimize Revenue, Drive Business
Processes And Grow Company’s Most Profitable Channel

NEW YORK, NY – November 6, 2001 – DWL Incorporated, a
leading provider of enterprise customer management applications, today announced Canada’s
leading property and casualty insurance group, CGU Group Canada Ltd., has gone live with
the first phase of their implementation of DWL Insurance™ for Property and Casualty.
The enterprise solution provides CGU with a composite, real-time business application
designed to allow the majority of CGU’S 2,300 brokers to have access to sales and customer
information from CGU’s core back-end business systems over the web.

“With DWL Insurance, we are able to deliver a
significant portion of our e-business strategy, which is designed to enhance our channel
relationship management needs, and get it to market quickly,” said Doug Hewitt, Head
of E-Commerce, CGU Canada. “DWL offers an audience, industry-focused solution that
leverages and consolidates critical information stored in our back office systems. We feel
that the real-time enterprise is the next approach successful financial services organizations are
going to take to enable dynamic business webs that help them stay competitive.”

In less than 5 months, CGU has gone live with DWL
Insurance™ for P&C Agent/Broker Application, running on DWL Unifi™, the
framework for delivering application services that allow companies to rapidly deploy
transactional applications. At this point, more than 150 brokers and over 1,500 users are
sanctioned on the application in both English and French. “The numbers are rapidly
rising,” remarked Hewitt. These composite applications make CGU’s enterprise systems
appear as a single application tailored to each business audience, enabling new end-to-end
business processes with brokers over the web.

The application integrates with CGU’s back-end system to
allow the broker channel to conduct policy changes and updates over the web. By
consolidating data from CGU’s back-end system, brokers get a highly personalized view of
customer information in real-time.

“CGU is achieving remarkable transaction time with
this application. Surfacing back-end legacy systems in real-time and presenting the data
to the broker community through an easy-to-use interface is a dramatic departure from the
complicated green screen technology of yesterday. Our broker community is very
excited about this initiative.”

Based on XML and Enterprise Java Bean™ technology and
created expressly for the property and casualty insurance industry, the DWL Unifi
Insurance for P&C Agent Broker Application gives agents and brokers real-time
point-of-service capability. This makes it easy for users to complete policy change, new
business, customer portfolio, and billing transactions directly with the back-office systems.

“CGU is very focused on improving customer
satisfaction levels and understands the added value brokers offer in enhancing these
relationships. By providing a web-based solution that provides an easy to use self-service
medium for distributors, CGU is an industry-leading example of how e-based customer
relationship management strategies can effectively affect the bottom line,” said
Justin LaFayette, chairman and co-founder, DWL.

About CGU Canada

CGU Group Canada Ltd. (CGU) is the largest property and casualty insurance group in Canada
with annual premiums in excess of $1.7 billion.

The company is a wholly owned subsidiary of London,
England-based CGNU plc, the world’s sixth largest insurance group. CGU Group Canada Ltd.
was formed in the late 1990s by the mergers of The General Accident Assurance Company of
Canada, Commercial Union and Canadian General Insurance Company.

CGU Group Canada Ltd. has been created to incorporate the
combined strengths of its many diverse parts. It builds on a heritage of financial
strength and stability to offer a wide variety of insurance products that Canadians have
come to trust. To fulfill its commitment to providing excellent products and services, it
has four companies operating under its umbrella.

CGU Insurance Company of Canada provides traditional home
and automobile insurance as well as commercial insurance. It is also a leading provider of
specialty commercial products and construction surety bonding. Elite Insurance Company is
Canada’s largest insurer of recreational vehicles and mobile homes, and specializes in
niche personal insurance products including Pleasurecraft, Antique Vehicles, Equestrian,
Travel and Warranty. Scottish &York Insurance Co. Limited provides traditional home
and auto coverage, focusing on providing competitively-priced products through a
specialized Broker Distribution network and is backed by state-of-the-art Call Centres.
Traders General Insurance Company focuses on providing home and auto insurance to large
and mid-sized groups nation-wide. With a net written premium of $305 million in 2000, they
are one of Canada’s leading group insurers.

About DWL Incorporated

DWL enterprise customer management applications consolidate fragmented CRM, back-office
and e-business systems into unified industry solutions.

DWL’s enterprise applications deliver a real-time business
process platform and customer integration software to create new customer-centric business
processes. This business process innovation improves operational efficiencies and
strengthens relationships with consumers, partners and employees.

Founded in 1996, DWL is headquartered in Toronto with
offices in New York, London, Paris and Sao Paulo. DWL clients include AXA, Manulife
Financial, MetLife, Erie Insurance, Royal & SunAlliance, The Body Shop and Cara Foods.
DWL has system integrator and platform relationships with IBM, Accenture, Sun
Microsystems, BEA Systems and Palm Computing. DWL Incorporated is a leader in
transactional e-business solutions for major insurance, financial services, consumer
products and retail companies throughout North America and Europe. The company’s client
list includes, AXA Canada, Dominion of Canada General Insurance Company, Manulife
Financial, National Life Group, Cara Operations Ltd., The Body Shop International, Royal
& SunAlliance Financial and Erie Insurance, amongst others.

DWL has also aligned with leading technology and consulting
partners to increase its services and vertical scope. Founded in 1996, DWL Incorporated is
a privately owned, venture capital and institutionally funded corporation headquartered in
Toronto. The company has offices in New York, London, Paris and Sao Paulo. For more
information about DWL and its products and services, please visit