Visit www.rsagroup.com for more information. This website (www.rsagroup.com/rsaar2009) incorporates the RSA Annual Report and Accounts for the year ended 31 December 2009 (the "Annual Report and Accounts"). This Annual Report and Accounts contains ‘forward-looking statements’ with respect to certain of the Group’s plans and its current goals and expectations relating to its future financial condition, performance, results, strategic initiatives and objectives. For further details, reference should be made to the 'Important disclaimer'. The introduction and business review sections constitute the business review of RSA and are incorporated by reference into the directors' report. The directors' report has been drawn up and presented in accordance with and in reliance upon applicable English company law and the liabilities of the directors in connection with that report shall be subject to the limitations and restrictions provided by such law.