Over 1,800 independent agents quoting and issuing personal lines business through Travelers' Web-based automation system

HARTFORD, Conn. - August 13, 2001 - In just a few months since its inception, over 1,800 agents-and counting-are using ATLAS³, Travelers' Internet-based automation system. These agents have discovered an improved way to quote and issue insurance policies.

About 165 agents were piloting the system when ATLAS³ was introduced in February 2001.

"Travelers continues to strongly support our independent agents in their efforts to grow their business," said Clyde Fitch, president, Personal Lines. "ATLAS³ is another example of the tools we offer to our agents to help improve their profitability."

The system allows agents to quote and issue policies using Internet technology, enabling user-friendly navigation and imputing with just a point and a click. This saves agents time and improves their profitability-some of the many reasons why agencies are choosing the system.

"Our agency has always been focused on being as efficient as we can with our internal process so that we can spend more time on what's important - selling to and servicing our customers," said John Bailey, executive vice president of the agency and the 1000th agent to implement ATLAS³. "Travelers continues to lead the way with technology that makes it easy for us to do business."

Just as important for many agents is the system's ease of use. "It's easy," said Natalia Burleson, an account executive at the agency. "It was easy to install, easy to learn and it is very fast."

Because of its Internet browser-based technology, ATLAS³ is less time consuming to use and training costs are reduced. Underwriting and pricing are done automatically, eliminating the need to look up underwriting rules. With pull down menus, the possibility of errors is reduced. ATLAS³ also links to agency comparative raters reducing duplicate keystrokes. Travelers is currently in production with AMS East and is in pilot with additional rating companies.

Other technological advances are on the horizon as well. The industry-leading technology developed for ATLAS³ provides the foundation for the next step in real-time SEMCI, an environment in which agents will be able to quote and issue directly through their agency management system.

ATLAS³ is based on the same technology Travelers successfully introduced to small business insurance agents last year with its Issue Express Net automation system.

ATLAS³ also supports Citigroup's objective of using Web technology to improve productivity and reduce operating expenses.

For more information on ATLAS³ and other technology initiatives at Travelers, agents can contact their Travelers representative or call 860-954-6703.

"ATLAS³ underscores Travelers' commitment to providing independent agents with the best tools and products available," said Fitch.

Background on Travelers Insurance agency automation for personal lines

ATLAS³ is one of the several technologies Travelers has available for agents to choose from based on their agencies' needs. Other technologies available include:

• Single-entry, multiple-company interface (SEMCI) - Travelers has won the Upload Company of the Year and Upload Company of the Year/Implementations from ACORD for its existing batch SEMCI capability.
• Atlas II - Travelers will continue to support the highly successful Atlas II, the prior version of ATLAS³.
• Personal Lines Download - automatically updates an agent's agency management system with new policy data the next business day. Download capabilities include new business, renewals, endorsements, cancellations and reinstatements. Travelers has been named Download Company of the Year by Applied Systems Client Network two of the last three years.

About Travelers
Travelers, a member of Citigroup (NYSE: C), is a leading provider of a full range of insurance products. Travelers is a principal source of homeowners and auto insurance for consumers, while also providing a broad range of insurance for commercial markets, including workers' compensation integrated disability, property, liability, specialty lines, surety bonds, inland/ocean marine, and boiler and machinery. Travelers also offers financial products focusing on solving consumers' asset-accumulation and income-protection needs through such vehicles as annuities, group annuities and life insurance. For more information on Travelers insurance products, see www.travelers.com.