Remaining Operations Continued Success in a Dynamic  Global Business Environment Cigna’s Critical Differentiators Our remaining operations – including operations in run  off – reported a combined adjusted loss from operations*  of $175 million in 2012. Our early-2013 agreement  with Berkshire Hathaway to effectively exit our run  off reinsurance businesses creates improved financial  flexibility, eliminates volatility and enables us to better  focus on our ongoing health and related businesses.  Our success also comes from the ability to apply the  breadth of our expertise across a diverse global portfolio  of businesses. By orienting ourselves around customer  segments and solutions, rather than geographies, we can  take advantage of our distribution and service delivery  capabilities, more effectively execute our strategy, and  capitalize on market opportunities for the benefit of our  customers and clients. For example, we can now better  serve our global employers and better serve our individual  customers both internationally and in the growing seniors  segment in the United States. In one specific example,  we learned from our U.S. dental operation how to create a  dental product that has become one of the fastest-growing  products in South Korea, to the direct benefit of our  customers in that country.  As we look forward, and assess the transforming economic  and regulatory environment, we see good opportunities for  continued innovation and growth. Demographic shifts and  economic pressures are creating a search for solutions – especially in the health care sector, where the need to  improve health quality and provide affordable care is  prompting a number of legislative and regulatory activities –  including in the U.S., where health care reform is well  underway. We are well prepared to continue our success  by going deep in our existing markets and selectively  expanding our operations.  As we’ve already seen, the organizations that excel will  be those best equipped to act strategically, nimbly and  with laser focus. Our agility in this environment, in large  part, comes from the degree to which we have successfully  distinguished ourselves as a global health service company,  set apart from traditional health insurance companies.  This transformation began several years ago as we  pioneered the health service model and determined that  our relationships with customers must go deeper than  paying claims. Our thousands of nurses, health coaches,  case managers, health educators and other allied health  professionals form the backbone of a health service  approach that promotes prevention, helps customers  stay well, and understands how to help each customer  on a one-to-one basis – a capability we’ve bolstered  significantly through our acquisition of HealthSpring,  which provides us with a best-in-class physician  engagement model that complements our path to build  collaborative provider relationships.  Cigna has the scale, experience and talent to continue  being successful in developed, developing and emerging  markets as we leverage three critical differentiators.  The first is  putting our customers at the center of  everything we do , aided by deep analytical insights that allow us to better understand their needs. Customer-supporting technologies are a major part  of the integrated, tailored programs we bring to our  customers to empower them to make more informed  health care decisions. More than “apps for the sake of apps” or technology for the sake of technology, these programs are at the forefront of the support we  bring, and are serious investments to keep our customers  healthy, which ultimately saves on medical costs. For example, in 2012, we enhanced  myCigna.com  to  provide pricing and quality information on doctors  and hospitals for more than 200 medical procedures –  representing 80 percent of customer claims – based on the customer’s health plan and available health account  funds. We also recently introduced four healthy living  mobile phone applications designed to help our  customers eat right, exercise, get enough sleep and  manage stress.  6