February 18, 2000 Formation of New Comprehensive Insurance & Financial Services Group Integration Schedule 1. Step 1: Pre-merger alliances (1) To the extent possible, complete the integration in a short period by sharing infrastructure resources and exchange personnel and business data. (2) To the extent possible, integrate and restructure subsidiaries and other affiliated companies before the merger. (3) Jointly undertake new businesses and product development. 2. Step 2: Merge on the possible earliest date which should be before April 1, 2002.