Chicago Vacation Packages -

Chicago Vacation Packages - Caribbean in Illinois at Respond Vacations A business referral community with over 2.5 million members My Account | Advertise directory.respond.com | matching.respond.com | referrals.respond.com Did you really mean : Cruises Chicago Vacation Packages - Caribbean Secure Form Get Matched to Top Local Travel Agents in Chicago Complete these questions and get a customized, timely response from prescreened and member referred Travel Agents serving Chicago that are interested in working with you. You choose the Travel Agent that best meets your needs. No Cost. 1) Which part of the Caribbean would you like to visit? 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Austria travel guide Austria

austria guide, austria travel and business directory Work at home Finance Hotels Travel Telecom Webhosting Business Shopping Webmaster Keyword links Business Buy leads Contacts Companies Company profiles Find supplier Importers Link partners Made in EU Made in USA Portals Product news Tradefairs What's new Countries Africa Americas Asia Europe Other Computer Computer Downloads Flightsimulator Games Memory Monitors Motherboards Notebooks Pda Printers Processors Scanners Security Software Toner Finance Commodities Day trading Debt Ecommerce Insurance Loans Mortgage Offshore bank Venture capital Hotelguide Amsterdam Antwerp Athens Barcelona Berlin Bern Budapest Copenhagen Frankfurt Helsinki Istanbul London Los Angeles Madrid Miami Milan Monaco Nice Rome San Diego San Francisco More... Travel Airlines Airports Cruises Hotels Restaurants Scuba diving Travel dest. Asia Africa Caribbean Central America Europe Middle East North America South America Oceania Various Dating Diets Digital camera Divx movies Education Fishing Fonts Health Jobs Kids Movies Real estate Shopping Skiing Sports Supplements Telecom Translators Webmaster Domain names Ecommerce Free resources Shoppingcarts Webdesign Webhosting New sites Fonteine.com Pastfood RealEstate linker zzz More topics..... -- Home Links Keywords Importers Buyleads Membership Contact us Web B izeurope.com Austria Members only sections Importers / distributors Austria Other resources Austria hotel directory Austria city directory Austrian company profiles Austria - [Airline] Austrian Airlines The top priority for the companies of the Austrian Airlines Group is to fulfil passenger requirements to the very highest standards. Which is why Austrian, Lauda Air and Austrian arrows are constantly working to improve their services further still. The three first-class brands of the Austrian Airlines Group are valued around the world for their high levels of quality and friendliness. This is as true of Business Class as it is of Economy Class. Austria - [Airline] Styrian spirit "Styrian Spirit" the local Airline. Free from alliances, "Styrian Spirit" focuses on regional needs by developing destinations which are attractive for the local market. Austria - [Airline] Welcome Air Airport Austria - [Airport] Graz Austria - [Airport] Innsbruck airport Innsbruck Airport is a significant economic and position-defining factor for the Tyrol and has developed into a state-of-the-art service centre in recent years. An impressive entrance to the Tyrol for guests, it provides vital infrastructural impetus for the entire region, is one of the major employers in Innsbruck, the provincial capital, and makes a great contribution to securing competitiveness for domestic trade and industry. Austria - [Airport] Klagenfurt Today, Klagenfurt Airport has daily direct connections to Frankfurt, Cologne/Bonn, Hannover & Stuttgart (3 x weekly), London, Rome and Vienna and we are working on setting up daily services to Dusseldorf and Berlin. Austria - [Airport] Salzburg Airport With 4 million people living in its catchment area and 1.3 million passengers a year, Salzburg Airport is Austria's largest regional airport. It can proudly call itself today "The gateway to the Alps". Austria - [Airport] Vienna Airport B2b Austria - [B2B] Austria Export Austrian Trade is a world wide organisation within the Austrian Federal Economic Chamber to promote, support and create opportunities for Austrian exporters. Austria - [B2B] Bauverzeichnis (Construction portal) Banks Austria - [Banks] Bank fur Osterreich und Salzburg AG Oberbank AG was established in 1869. Tradition and progress - these are the twin factors which have characterized the Oberbank's growth to become Austria's principal regional bank outside Vienna. Besides our long-standing commitment to our private customers, the Oberbank has always been an effective and dynamic partner of local business - both of large-scale industrial concerns and of small and medium-sized enterprises in one of the most important economic areas. Moreover, our 2300 correspondent banks all around the world make us an important partner for international business. We are where our customers need us - 100 branches spread over Upper Austria, Salzburg Provinces, Vienna, Lower Austria, Burgenland, Styria and Germany are the proof. Austria - [Banks] Bankhaus Spaengler One of the major activities of Bankhaus Carl Spngler & Co. is the development of a worldwide network of correspondent banks. Currently we keep close contacts to some 600 different banks all over the world. Austria - [Banks] Creditanstalt-Bankverein Bank Austria Creditanstalt (BA-CA) is the clear number one in the Austrian banking sector and operates the leading international banking network in the growth region of Central and Eastern Europe (CEE). With total assets of approx. EUR 137 billion and a market share of 25 per cent, BA-CA is by far the biggest bank in Austria. Four out of five large Austrian companies use Bank Austria Creditanstalt’s services. In the retail banking sector, the bank serves 1.8 million customers. BA-CA is represented throughout Austria with a network of about 400 offices. In CEE, BA-CA is among the leading banks with about 900 offices in 11 countries. In this growth region, 17,000 employees serve 4 million customers. Austria - [Banks] Erste Bank Based in Austria, we are Central Europe's foremost financial services group. We provide banking, investment, loans and insurance services, and focus on consumers and small to medium-sized companies. Austria - [Banks] OeKB - Osterreichische Kontrollbank Oesterreichische Kontrollbank Aktiengesellschaft (OeKB) is Austria's main financial and information service provider for the export industry and the capital market. OeKB was founded in 1946 as a specialised banking institution, whose shareholders are domestic commercial banks. Austria - [Banks] Oesterreichische Nationalbank Austria - [Banks] Raiffeisen-Bankengruppe Osterreich With its constantly expanding network in Central and Eastern Europe (CEE) the RZB Group has consolidated its position as one of the region's leading banking groups. More than 800 banking outlets and two representative offices in 16 markets offer a comprehensive range of excellent products to its commercial, investment banking and retail customers. Austria - [Banks] Sparkasse in Weiz Austria - [Banks] Sparkasse Muehlviertel West Bank AG Austria - [Banks] Steiermrkische Bank und Sparkassen AG The bank is a part of the Styrian economy and the leading financial instituion in southern Austria. As befits a bank of this size, it also plays an instrumental role in the fascinating challenge of orienting the region within a changing European context. Austria - [Banks] Volksbanken-Gruppe sterreich Directories Austria - [Directory] Austrian MusicSearch Austria - [Directory] Austrian wine suppliers Winemakers in all of Austria and their excellent wines are listed according to region. Austria - [Directory] Austrian worldport Austria - [Directory] B2b Online Austria - [Directory] Bestof Austria Austria - [Directory] biZZZ.net Austria - [Directory] CompNet Austria - [Directory] Cyber world Austria Austria - [Directory] Goldene Seiten Online! Yellow pages of Austria Austria - [Directory] Herold Gelbe Seiten Firmensuche Austria - [Directory] Industrieportal.at Austria - [Directory] Jobpilot Austria - [Directory] Netvillage Austria - [Directory] Trade agents directory The monthly magazine "Handelsagent" - the official magazine of the Federal Association of independent commercial agents - is the only magazine, which each Austrian commercial agent gets automatically. 11.000 copies contain information for the Austrian commercial agents. Austria - [Directory] Yellowmap One of the leading electronic directories in Germany, Austria and Switzerland with integrated mapping and routing technology. Austria - [Fairs] Burgeland Messe Austria - [Fairs] Dornbirner Messe Austria - [Fairs] Innsbrucker Messe Austria - [Fairs] Kartner Messe Today we are the principal organiser of trade fairs, exhibitions, congresses and specialist conferences in Carinthia, which lies at the heart of the Alps-Adriatic region. Our trade fairs "Internationale Holzmesse" and "Gast" are significant international sector events and are spoken of far beyond the borders of Austria. Carinthia has excellent relations, developed over centuries of shared history, with its immediate neighbours Slovenia, Northern Italy (the Friuli-Venetia-Giulia and Veneto regions) and Croatia. Within Austria, there also exist very close contacts with the neighbouring federal provinces, particularly Styria, Eastern Tyrol and Salzburg. We regard this economic area as the central region of Europe and the core area for our activities. Austria - [Fairs] Messecenter Graz Austria - [Fairs] Messe Wieselburg Austria - [Fairs] Reed exhibitions Messe Wien Organiser of trade fairs, conferences, exhibitions, seminars and other events. Austria - [Fairs] Rieder Messe Austria - [Fairs] Welser Messe Austria - [Gov] AMS - Austrian Labor Market Service (German) Austria - [Gov] Austria's Bureaucracy Guide (German) Austria - [Gov] Austrian Parliament Austria - [Gov] Austrian State Archives Austria - [Gov] Austrian State Printing Office Austria - [Gov] Federal Chancellery of the Republic of Austria This site introduces the Austrian Federal Chancellor and his Government. It also provides links to the sites maintained by each oft the Austrian Ministries and general background information on Austria (population, history, etc.), with special emphasis on its political system, as well as a special section on Europe. Lastly, the site provides a news service, recounting the latest developments of Austrian political and cultural life. Austria - [Gov] Federal Enviroment Agency Austria - [Gov] Federal Financing Agency Austria - [Gov] Federal Fire Brigade Federation Austria - [Gov] Federal Forest Research Centre Austria - [Gov] Federal Law Bulletin (German) Austria - [Gov] Federal Ministry for Economic Affairs and Labour (German) Austria - [Gov] Federal Ministry for Foreign Affairs Austria - [Gov] Federal Ministry for National Defense Austria - [Gov] Federal Ministry for Public Services and Sports (German) Austria - [Gov] Federal Ministry for Social Security and Generations (German) Austria - [Gov] Federal Ministry of Agriculture and Forestry, Enviroment Austria - [Gov] Federal Ministry of Education, Science and Culture Austria - [Gov] Federal Ministry of Finance Austria - [Gov] Federal Ministry of Justice (German) Austria - [Gov] Federal Ministry of the Interior (German) Austria - [Gov] Federal Ministry of Transport, Innovation and Technology Austria - [Gov] Freedom Party of Austria (FP) Austria - [Gov] Geological Survey of Austria Austria - [Gov] Liberal Forum Austria - [Gov] People's Party of Austria (VP) Austria - [Gov] Social Democratic Party of Austria (SP) Austria - [Gov] The Greens (Die Grnen) Austria - [Hotels] Austria Hotels Austria - [Info] Austria country study Austria - [Info] Austrian Postal Service Austria - [Info] Austrian Press & Information Service Official Austrian Website in the U.S. Austria - [Info] Austria Railcargo RailCargo Austria, the cargo division of BB, is one of the top leaders among the European railways. Austria - [Info] Austrian trade chambers worldwide Austria - [Info] Autrian trade delegation Austria - [Info] CanadaEurope resource page Austria - [Info] Chamber of commerce / Wirtschaftkammern Austria - [Info] Country Commercial Guide (FY1997) Austria - [Info] Countrywatch resource page Austria - [Info] Electronic Photo book Austria - [Info] Headline sport resource page Austria - [Info] Investing in Austria Austria - [Info] World fact book Austria - [Legal] Austrian Law Austria - [Media] Abyznews media links Austria - [Media] Der Kurier Austria - [Media] Der Standard Austria - [Media] Die Presse Austria - [Media] Kleine Zeitung Austria - [Media] Neve Vorarlberger Tages Zeitung Austria - [Media] Noet Team Austria - [Media] Oberosterreich Austria - [Media] Rundblick-Verlag Austria - [Media] Salzburger Nachrichten Austria - [Media] Tiroler Tageszeitung Austria - [Media] Vorarlberger Nachrichten Austria - [Media] Wiener Zeitung Austria - [Org] Antiquarian booksellers association Austria - [Org] Austrian Association of Commercial Agents Austria - [Org] Austrian Automotive Supply Industry Austria - [Org] Electrical and Electronics Industry Association Austria - [Org] Austrian Textile Industry Austria - [Org] Association of the Austrian Chemical Industry Austria - [Org] VOeBB (Austrian banks) Austria - [Org] Wine from Austria association Austria - [Resource] Austria start4all page Austria - [Resource] Austrian Phone and eMail Directories Austria - [Resource] Austrian Trade Info Austria - [Resource] InOutOf Austria Austria - [Resource] Mediaweb Austria - [Resource] Oekoweb (environment portal) Austria - [Resource] Search Europe Austria pages Austria - [Search] A-site.at Austria - [Search] Abacho.at Austria - [Search] Abadoor.at Austria - [Search] Aberja.com Austria - [Search] AIO24 Austria - [Search] AllesKlar Austria - [Search] AlpSeek Austria - [Search] Altavista Austria Austria - [Search] AON Search Austria - [Search] Austria-Seek Austria - [Search] Austria-www Austria - [Search] Austrian Web-Index Austria - [Search] Austrian WebWizard Austria - [Search] Austronaut.at Austria - [Search] Austrosearch.com Austria - [Search] Complete planet directory Austria - [Search] FastRun.at Austria - [Search] Google Austria Austria - [Search] Henkel webindex Austria Austria - [Search] Infopoint Austria - [Search] Klammeraffe Austria - [Search] Mair.net - sterreich Austria - [Search] Netguide.at Austria - [Search] One 2 Search Austria - [Search] Open Directory Project sterreich Austria - [Search] Open Directory Resource Page Austria - [Search] PrimeSpider Austria - [Search] Schnellsuche.com Austria - [Search] Search.msn Austria - [Search] Sharelook sterreich Austria - [Search] Speedix Austria - [Search] Suchknecht Austria - [Search] WebWizard Austria - [Search] Yahoo Resource Page Austria - [Stock] Vienna stock exchange An important milestone in the history of the exchange was without doubt the introduction of the German trading system, Xetra, in 1999. The use of Xetra has made access to the Viennese stock market easier and more attractive to foreign investors and traders. In the autumn of 2000, the largest stock market transaction in the history of Austria was concluded. Apart from being active in the core business of providing an exchange for the capital market, Wiener Brse AG was also successful as a consultant and information provider for the financial sector. Today, Wiener Brse is a modern and technologically highly advanced exchange. Austria - [Trade] Agro-Webknecht (Agric. machines) Austria - [Trade] Austrian economic chamber The Austrian Federal Economic Chamber is the legal representative of the entire Austrian business community. Membership is compulsory and comprises of all Austrian companies. Some 300.000 businesses drawn from the areas of crafts and trade, commerce, industry, banking and insurance, information and consulting, tourism and leisure industries, transport and communication. Austria - [Travel] Aardvark travel resources Austria - [Travel] About Austria travel guide Austria - [Travel] Austria for Visitors Tourist Information Austria - [Travel] Austria hotels Austria - [Travel] Austria train service BB is Austria's No.1 mobility provider of short and long-distance services. Annually, the railway carries about 182 million passengers. Total sales in the passenger business amount to about EURO 1bn. Austria - [Travel] Austria travel and tourism Austria - [Travel] Austria Vienna Hotel directory Austria - [Travel] Austria-Tourism Austria - [Travel] Austrian Hotel Index Austria - [Travel] Austrian Net hotels Austria - [Travel] Campingfuehrer Camping guide Austria - [Travel] Castles hotel directory Austria - [Travel] Cities.com resource page Austria - [Travel] ClickAustria - online Hotel Reservation Service Austria - [Travel] ClickAustria online Hotel Reservation Service Austria - [Travel] Discover Austria Austria - [Travel] Ferien.at - Travel searchengine Austria - [Travel] Hirners Hotel Guide Austria Austria - [Travel] Lonely Planet travel resource page Austria - [Travel] Salzburg restaurant directory Austria - [Travel] Tourist Link Austria Austria - [Travel] Tourist Net Austria Austria - [Travel] Travelcountry Austria Austria - [Travel] Traveldocs Resource Page Austria - [Travel] Travelsthrougheurope Austria Austria - [Travel] Vienna Hotels Austria - [Travel] Virtual Tourist resource page Austria - [Travel] World Executive Hotel Directory Austria - [Travel] sterreich Tiscover Austria - [Warehouse] A.G.Z Adlwanger Gewerbe Zentrum Companies Austria - I.Q. Trade [Ice-t drinks] I.Q. Trade company produces and represents Ice-T drinks in three flavors: Ice-t Peach, Ice-T Cherry and Ice-T Lime. In all phases of the creation tendencies towards the exclusivity and quality are accomplished. It contains the finest quality ingredients. The 0.25 liter dozes are designed in unique and exclusive way. Web B izeurope.com Site navigation Add url to Bizeurope Upgrade to professional member Country database Return to Bizeurope keywords Bizeurope company directory Sitemap Other country pages Afghanistan Africa general Alaska Albania Algeria Andorra Angola Arab general Argentina Armenia Asia general Australia Austria Bahrain Bangladesh Belgium Belize Benin Bhutan Bolivia Bosnia Botswana Brazil Brunei Bulgaria Cambodia Cameroon Canada Cayman Islands Chile China Colombia Costa Rica Croatia Cyprus Czech Rep. 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Orlando Vacation Packages Orlando

Delta Vacations - Orlando vacation package Orlando travel packages Membership log in E-mail address: Password: Remember me. Not A Member? Forgot Your Password? My Profile Related Links delta.com Vacation Protection Plan Special Group Rates SkyMiles Membership Last Minute Deals Home Orlando Vacation Packages Orlando Vacation Packages Your complete Orlando vacation package is just a few clicks away! Couched in a setting of comfortable tropical temperatures, warm breezes, and beautiful sunsets, this premier family vacation destination offers top attractions, exciting theme parks, world-class golfing, vibrant nightlife, and incredible shopping. Enjoy the fantasy and grandeur of the Walt Disney World ® Theme Parks. Feel as if you're actually a part of the movies at Universal Studios ® and experience legendary and mythical classics at Universal's Islands of Adventure SM . And don't forget to visit Shamu at SeaWorld Adventure Park ! Orlando offers an abundance of family fun! Create your perfect Orlando vacation package with Delta Vacations. Delta Vacations makes it easy to create your own customized Orlando vacation package in just a few clicks! See for yourself why purchasing a Delta Vacations package is right for you. Start planning your Orlando Vacation Package right now! More fun-filled vacations from Delta Vacations: All-Inclusive Vacation Packages Aruba Vacation Packages Bahamas Vacation Packages Cancun Vacation Packages Caribbean Vacation Packages Colorado Ski Vacation Packages Disney Vacation Packages Europe Vacation Packages Family Beach Vacation Packages Family Vacation Packages Florida Beach Vacation Packages Florida Vacation Packages Hawaii Vacation Packages Jamaica Vacation Packages Las Vegas Vacation Packages Maui Vacation Packages Mexico Vacation Packages Orlando Vacation Packages Ski Vacation Packages South Beach Vacation Packages Waikiki Vacation Packages Walt Disney World® Vacation Packages -- Wednesday, December 28, 2005 Save $300 on a Golf and Spa Getaway Earn 10,000 Bonus Miles to London 3 Night Packages to Turks & Caicos from $790 Search all Last Minute Deals -- Announcing Daily Flight Service Salt Lake to Cancun begins 6/1/05 Atlanta to Moscow begins 6/1/05 -- Member Registration ® 2005 Delta Vacations. All rights reserved. delta.com | Site Map | About Us | Privacy Policy | Legal Notices | Customer Care | Web Compatibility | Travel Agents ### ISHQWEBCVGNET01 ### ### --

Travel Guard | AgentLink:

Travel Insurance: Travel Guard - Trip, Medical/Health & Accident Coverage Travel Guard: Why Buy Travel Insurance? Non-US Residents | Sign up to sell Travel Guard | AgentLink: TRAVEL INSURANCE WHY BUY? CUSTOMER SERVICE ABOUT US Cruise International Single Trip Flight Student Travel Medical Annual All Products Contact Us Alerts Strike List View Policy Modify Policy Claims Newsroom Testimonials About Us Let us find the insurance protection that is right for you: Cruise Single Trip Vacation Family Travel Honeymoon Flight Travel Medical Annual Study Abroad Last Minute Car Rental Sports Travel Travel Accident *JavaScript required. WHY TRAVEL GUARD? SPOTLIGHT WHY BUY TRAVEL INSURANCE? Travel Guard International is the industry's leading travel insurance provider - covering more than 6 million travelers worldwide each year. Our travel insurance plans offer coverage for vacation and trip cancellation, travel interruptions and delays, emergency medical and health expenses, lost baggage and more. Plus, every Travel Guard insurance plan includes our 24-hour "911" travel emergency service for emergency medical assistance, last-minute or emergency travel and flight changes, lost luggage tracking, pre-trip travel advice and more. Explore our options online to choose the coverage that best meets your travel needs. Worldwide Health: Medical coverage up to $1 million for travelers leaving their home country. Coverage includes: Medical expenses Emergency medical evacuation Trip interruption Lost checked luggage 24-hour assistance services Learn more today! Exclusive New Coverage! Travel Guard's Golf Travel Plan is a premium travel insurance program featuring coverage and services designed specifically for golf travelers. More Info At Travel Guard we understand that your vacation can take a year to save for, but only a second to ruin. While you can't do anything to prevent an unexpected storm from closing the airport, you can do something to help cover your travel investment-buy travel insurance. Travel insurance can provide you coverage for medical expenses, trip cancellation/interruption, baggage damage, and much more. Plus, with every Travel Guard insurance plan you will also receive 24-hour travel assistance. 1.800.826.4919 ©Travel Guard International, 2005 ¿Habla Español? Privacy Policy Affiliate Program Site Map Contact Us Travel Guard coverage includes travel insurance & assistance that travels with you. Coverages may include: Trip cancellation due to terrorism and other named unforeseen events, trip delay, lost baggage, medical emergency, and others. Purchase online for immediate coverage. Certain coverages are subject to purchase requirements. See each coverage for details.

Travel Insurance

QBE Insurance Group - Home Page If you can read this your browser does not support javascript or this feature is currently switched off. Please update your browser using one of the following links or enable javascripting via your browser settings. Click here to download Internet Explorer 6 Click here to download Mozilla QBE Insurance Group "QBE Insurance is Australia's leading International General Insurance and Reinsurance groups and one of the to 25 world wide." Core underwriting entities Standard & Poor's Rating = A+ Our Vision internationally recognised as a highly successful general insurance and reinsurance group; a builder of shareholders' wealth; a developer of "can do" people; and an organisation that excels in the continuous delivery of new and proven quality products and services. Our Values increasing the long-term wealth of shareholders; customer satisfaction and retention; employee satisfaction; and integrity. Divisions Group Annual Report Press Releases Shareholder Centre Financial Centre Webcasts Australia "QBE Insurance Australia, protecting people in all walks of life - from the home to the office and beyond" From our humble beginnings as the North Queensland Insurance company we have grown into a sophisticated provider of general insurance products. Our strength is our diversity. We provide over nine broad categories of general insurance. We provide comprehensive protection for peoples' homes, their lifestyles, their work environments. As a group, QBE works together to improve our customer service, our technology and our products. QBE Insurance - Aviation QBE Insurance - Commercial - QBE Mercantile Mutual QBE Insurance - Compulsory Third Party - CTP QBE Insurance - Corporate QBE Insurance - Personal - WQBE - Western QBE QBE Insurance - Professional Liability QBE Insurance - Surety QBE Insurance - Trade Credit QBE Insurance - Travel QBE Insurance - Workers Compensation Application for Credit Limit Endorsement QBE Insurance - Europe QBE Insurance - Asia Pacific QBE Asia Pacific: Our Vision Increasing Accountability Local Knowledge - Specialist Expertise Thriving on Complexity Our Vision - QBE Asia Pacific We aim to be recognised within the Asia Pacific markets as: a highly successful provider of specialist insurance solutions a team of results-oriented entrepreneurs with high levels of expertise and integrity a strong and ethical business partner an organisation that thrives on innovation and excels in the delivery of quality products and services a builder of customer value and shareholder wealth Increasing Accountability & Litigation For Asia Pacific companies to thrive in today's challenging business environment, they must be smarter, quicker and more entrepreneurial. They constantly face new business exposures and challenges arising from government regulation and common law. The margin for error has been squeezed in business today, and managers are confronted by the global trend of increasing accountability and litigation. They need specialist insurance solutions, backed by technical expertise. Equally as important, they need risk management experts with specialist knowledge who can translate the global into practical solutions at the local level - and then provide the on-the-ground resources when they are needed most. QBE Asia Pacific Operations has developed considerable strengths to best serve clients. Our history of commitment to the Asia Pacific markets means that we've developed a wealth of knowledge and experience. Local Knowledge - Specialist Expertise Five of our operations were established in the late 1880s, and four more were established in the early 1890s. Building on this strong foundation, we entered four additional markets in the 1970s and 80s, and five more in the 1990s. We now have over 18 QBE operations in various markets throughout the Asia Pacific region. Each market features different characteristics and dynamics, and local market knowledge can make all the difference for clients. For example, QBE operates in: Mature markets such as Singapore, New Zealand and Japan Emerging markets such as Indonesia and the Philippines Developing markets such as Thailand and Malaysia Small markets characterised by tightly knit communities, such as Vanuatu and Micronesia Markets that are rapidly moving toward more open economies, such as Vietnam and China Markets that have seen new opportunities emerge from the return to their motherland, such as Macau and Hong Kong Markets that operate under French customs and law, such as New Caledonia and French Polynesia Markets that have experienced political and social upheavals, such as Fiji, Papua New Guinea and the Solomon Islands In each of these markets, local knowledge is invaluable. And with the internationalisation of trade and business practice, businesses also need an underwriter with specialist insurance expertise, vast global experience and solid financial strength. Thriving on Complexity Ours is a complex business, and we thrive on that challenge. It is also a dynamic one, with growth driven by an acquisition strategy and a commitment to the professional development of our local teams. We are a grass roots company that is international in every sense of the word. The combination of local knowledge and specialist expertise provides important benefits to clients and intermediaries. In Asia Pacific, it's the QBE difference! QBE Insurance - QBE Asia Pacific - Specialist Risks Unit QBE Insurance - QBE Asia Pacific - Marine Risks Network QBE Insurance - QBE Asia Pacific - Hong Kong QBE Insurance - QBE Asia Pacific - Indonesia QBE Insurance - QBE Asia Pacific - Macau QBE Insurance - QBE Asia Pacific - Mainland China QBE Insurance - QBE Asia Pacific - Malaysia QBE Insurance - QBE Asia Pacific - Philippines QBE Insurance - QBE Asia Pacific - Singapore QBE Insurance - QBE Asia Pacific - Thailand QBE Insurance - QBE Asia Pacific - Vietnam QBE Insurance - QBE Asia Pacific - Fiji QBE Insurance - QBE Asia Pacific - French Polynesia QBE Insurance - QBE Asia Pacific - Japan QBE Insurance - QBE Asia Pacific - Micronesia QBE Insurance - QBE Asia Pacific - New Caledonia QBE Insurance - QBE Asia Pacific - New Zealand QBE Insurance - QBE Asia Pacific - Papua New Guinea QBE Insurance - QBE Asia Pacific - Solomon Islands QBE Insurance - QBE Asia Pacific - Vanuatu QBE Insurance - the Americas QBE Insurance Group Limited, is an insurance and reinsurance company publicly traded on the Australian Stock Exchange. Its history dates back over 116 years when the Company was founded in Australia. Since then the Company has grown to have operations in 47 countries with over $2 billion dollars of capital writing in excess of $3 billion dollars in premium. QBE the Americas operations commenced in 1986 when the QBE Insurance Group established a presence in the U.S. QBE the Americas now conducts business through its five companies, QBE Reinsurance Corporation, QBE Insurance Corporation, QBE Aseguradora de Riesgos del Trabajo S.A.,Argentina, QBE Del Istmo, Panama and QBE Brasil Seguros S.A. Lloyd's The Lloyd's division comprises QBE's share of the Lloyd's syndicates managed by Limit. The 2001 results are the first to contain a full year of activity from the acquisition of Limit in August 2000. Gross written premium for the Lloyd's division was $2,182 million, compared with $547 million last year. Net earned premium was up 273% to $1,365 million. Significant progress was made during 2001 towards achieving the objectives set out in last year's annual report. The rationalisation of the structure of the Lloyd's division continued with the merger of syndicates 79 and 2999, the closure of the under-performing syndicate 456 and the disposal of the property and aviation syndicate 318. This resulted in a significant reallocation of QBE's capital towards its best performing Lloyd's syndicates. Our exposure to poor performing US liability business was significantly reduced. QBE is now the sole capital provider to each of Limit's syndicates, other than syndicate 386 where our share has increased to over 40%. For the 2002 underwriting year, QBE provides 78% of Limit's aggregate capacity compared with 72% in 2001. The tragic events of 11 September overshadowed the year and the World Trade Center (WTC) loss had a significant impact on performance. In addition, upgrades were made to prior year outstanding claims provisions, principally to reflect adverse development on US liability business seen across the market. These upgrades have been substantially mitigated by reinsurance protections and provisions established on acquisition to allow for deterioration. Consequently, the result for the year largely reflects the performance of the 2001 underwriting year. The claims ratio was 72.9%, compared with 59.4% for last year. The combined operating ratio was 108.6%, compared with 101.1% last year. Excluding the WTC loss, the combined operating ratio would have been 101.0%. The movement in the commission ratio from 27.3% to 24.6% reflects the change in the mix of business during 2001. The decrease in the expense ratio from 14.4% to 11.1% reflects the synergies and savings delivered by the integration of QBE's former Lloyd's operations with Limit, partly offset by residual post acquisition integration costs during the year. 2001 was a transitional year in the market cycle with the rate increases anticipated at the start of the year not materialising until at least the middle of the year and, in some cases, not until after the impact of 11 September. We are now seeing substantial increases in premium rates across all classes of business underwritten within the Lloyd's division. These rate increases, together with a high level of business retention, new business opportunities and the reallocation of QBE's capital, should ensure profitability for the 2002 underwriting year. Our objectives for 2002 are to: take advantage of the dramatically improved rating environment and return all areas of underwriting to strong profitability; seek further rationalisation of the underwriting and operating structure in order to improve capital efficiency and our expense ratio; acquire further capacity on syndicate 386 as it becomes available; and be actively involved in the reforms proposed for the Lloyd's market. Our business at Lloyd's remains highly dependent upon the quality and commitment of our underwriters and their business franchise. I thank them for their efforts and achievements, which have ensured that QBE's Lloyd's division is now ideally positioned to take advantage of the hard market conditions now prevailing at Lloyd's. Steven Burns, Managing director, Lloyd's division Global Trade Credit "QBE Trade Credit, World-Wide credit solutions in an increasingly volatile business environment" QBE's Trade Credit underwrites $30bn of domestic and export trade credit from units in Australia, New Zealand, Asia and Europe having extensive experience in assessing risks in over 150 markets. We are a Standard and Poors A+ rated company. Supported by a product range of tailored solutions to your credit needs, QBE is uniquely placed to offer our clients the opportunity to conduct business in a secure environment. Established in 1962, we have in the last four decades risen to become the largest Australian Insurer offering both Domestic and Export trade credit insurance and have expanded offshore to service our clients locally around the world. QBE Re QBE Re is a leading global reinsurer providing treaty and facultative reinsurance, direct insurance, and other financial products to its varied clients. QBE Re conducts business through three Divisions: Australia, Europe, and the Americas. As a global reinsurer, QBE Re underwrites traditional and financial products covering all major lines and classes of business. Through its divisional network of companies, QBE Re excels in providing regional expertise and service tailored to local-market needs. For additional solutions from QBE Re, please visit our local teams: QBE Insurance - Australia QBE Insurance - Europe QBE Insurance - the Americas