| 1. | Earlier figures are restated to reflect changes in accounting standard for insurers.
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| 2. | The new accounting standards have certainly raised the awareness of those issues.
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| 3. | The figures are restated to reflect changes in accounting standard for insurers.
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| 4. | International Accounting Standards Board : www . iasc . org . uk
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| 5. | We think the Financial Accounting Standards Board will eliminate pooling of interests.
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| 6. | The company noted the figures were calculated according to International Accounting Standards.
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| 7. | Organizations in individual countries may issue accounting standards unique to the countries.
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| 8. | The accounting standards used by Spain generally reflect actual spending and revenue.
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| 9. | This profit according to Czech accounting standards is not our main target,
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| 10. | The results are unaudited and are calculated according to Russian accounting standards.
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