The companies within the Aviva group consisting of Commercial Union, Provident Mutual, and Norwich Union, all have funds to distribute when the formula has been agreed with the Policy Advocate. However,only Norwich Union policyholders who effected policies after the year 2000 will be entitled to any re-attribution funds, as it would seem on demutualising in 2000 this feature was taken into account during the share issue,and float. We have not made this clear in the past and therefore take this opportunity of doing so.