Applied Systems Canada, Inc. and Royal & SunAlliance are Pleased to Announce Canadas Second Real-Time Insurance Transaction Powered by WARP

November 16, 2004 — Applied Systems Canada and Royal & SunAlliance announce direct, single-click access to WebBusiness and to Bravo, Royal & SunAlliance�s broker portal, from within Applied Systems� agency management system, The Agency Manager® (TAM).

The new enhancement, called WARPBridge, allows brokers who use TAM version 7.1.1 to take advantage of an automatic connection to WebBusiness, client inquiry tools and other information housed on the Royal & SunAlliance portal.

�This enhancement makes it easier and faster for brokers to transact business in real time for their Royal & SunAlliance, Western Assurance and Ascentus policyholders,� said Shawn DeSantis, Vice President, Personal Insurance, Royal & SunAlliance. WARPBridge is the latest in a series of online initiatives that Royal & SunAlliance is offering brokers to make it easier for them to transact business including client, policy and billing inquiry on the Bravo portal and the real-time business processing tool WebBusiness. Royal & SunAlliance is also actively participating in the development of the CSIO portal.

“We are extremely pleased to have Royal & SunAlliance up and running with WARPBridge in Canada,” states Greg Purdy, CEO of Applied Systems Canada. “The enhanced single click access to WebBusiness and Bravo from within TAM is a testament of Royal & SunAlliance�s and Applied’s combined commitment to providing a more streamlined workflow for the Canadian insurance industry.”

WARPBridge not only provides direct access to Royal & SunAlliance without additional passwords or steps, it also integrates directly into the broker�s workflow and the existing activity tracking and logging systems. This functionality is available to brokers using TAM version 7.1.1.

About Applied Systems Canada:

Applied Systems is the leading provider of automation solutions for the property and casualty insurance industry. Since 1983, the company has developed software for independent insurance agents, brokers, managing general agents, and insurance companies, as well as banks and other financial institutions with insurance operations. Applied Systems has helped more than 10,000 insurance organizations achieve new levels of success using its leading management systems, The Agency Manager® and The Agency Manager® Vision Series™.

Developments in electronic data interchange also contribute to Applied Systems’ position as the industry’s technology frontrunner. Incorporating consulting services and third-party integration, Applied Systems automates insurance transactions at every distribution level, from consumer through carrier. For information, visit www.appliedsystems.com.

About Royal & SunAlliance:

The Royal & SunAlliance Canada Group includes Roins Financial Services Limited, Royal & Sun Alliance Insurance Company of Canada, Quebec Assurance Company, Western Assurance Company, Ascentus Insurance Ltd., Agilon Financial and is part of Royal & Sun Alliance Insurance Group plc. The Royal & SunAlliance Canada Group employs over 2,000 people and is represented by a large network of independent brokers nationwide. In 2003, the Canadian Group wrote $1.5bn in direct premiums with assets exceeding $4bn. Internationally, Royal & Sun Alliance Insurance Group plc employs around 38,000 people and transacts business in more than 130 countries with assets of approximately $127bn CAD.