• Very strong FY2008 operating result
  
       • normalised net underwriting profit up 39.2% to $33.0 million
          (FY2007 - $23.7 million)
  
       • normalised net underwriting margin of 4.4% (FY2007 – 3.6%)
  
       • normalised FY2008 net profit after tax of $26.7 million
  
       • small FY2008 statutory accounting profit of $0.4 million due to
          one-off costs associated with demutualisation and listing
  
• Net policyholder growth of 36,605 (11.1%) vs industry growth of 4.2%
  
• On-market buy-back of up to 10% of issued shares
  
• Final dividend of 2.1cps fully franked (40.7% payout ratio)

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