March 27, 2000 Full-scale Alliance and Scheduled Merger of The Sumitomo M&F and Mitsui M&F Direct Net Premiums Income (by class of business) (FY1998, excluding deposit premiums by policyholders) (Unit: Yen in millions, %) Source: The Statistics of Japanese Non-Life Insurance Business, 1998 Edited by Hoken Kenkyujo