All times are Bermuda time unless indicated.

Bermuda Customs - Modernisation of Processes: Assistant Collector of Customs Larry Conn will address the Purchasing Management Association of Bermuda's dinner meeting on the subject at 6.30 p.m. on February 19 at the Royal Hamilton Amateur Dinghy Club. Cal 296-3408 ext. 1302 for information.

Wealth, Health and Happiness - Having It All! - A two-day conference aimed at encouraging women to take more responsibility for their lives at Elbow Beach Hotel February 28 and March 1.

Best Practices in Human Resource Management Conference & Exposition: Fairmont Southampton Princess on March 6, 2003. Keynote address by David A. Thomas of Harvard Business School. People registering early (by February 20) will get the Early Bird price of $375 for the full day conference or $250 for a half day session. More information: www.hr-associates.com or phone 296-9696

Insurance Fraud Management Conference: March 30-April 2. Sponsored by the Insurance Services Office and the National Insurance Crime Bureau. Renaissance HarborPlace Hotel, Baltimore. To register, visit www.iso.com

Global Life Insurance Forum: Fairmont Southampton Princess Hotel, June 25-27. Phone IBC USA at 603-472-7494 or go to www.ibcusa.com/wealth for more information.

Fourth quarter earnings:

ACE Ltd.: Earnings release: February 5 (after market close). Webcast: February 6, 9.30 a.m.

Scottish Annuity & Life: Earnings release: February 12. Conference Call: February 12, 12 p.m.

Max Re Capital Ltd Conference call - February 3, 2003 at 11 a.m. dial 888 482 0024 Access Code 67414 or via company website www.maxre.bm

RenaissanceRe: Earnings release: February 4 (after market close) Conference call, February 5 at 10 a.m. Live webcast: www.renre.com

Everest Re Group: Conference call - February 11, 2003 9.30 a.m. www.everestre.com or www.streetevents.com.

PartnerRe: Conference call and simultaneous webcast - February 11 2003 at 11 a.m. Investor Information section of PartnerRe's Web site www.partnerre.com and should log on at least five minutes prior to the start.

XL Capital: Earnings release: February 11 (after market close). Conference call 10 a.m., February 12. A live online webcast of this call will be available at www.xlcapital.com and will be archived on XL's website from approximately 2 p.m. February 12.

PXRE Group Earnings release February 12 (after market close) Conference call/webcast 11 a.m. February 13. Links available at www.pxregroup.com

Platinum Underwriters Holdings, Ltd.: Earnings release February 13 (after market close). Conference call: February 14 at 9.30 a.m. The call can be accessed by dialing 800-474-8920 (US callers) or 719-457-2727 (international callers), or in a listen-only mode via the Investor Relations section of Platinum's website at www.platinumre.com. Those who intend to participate should register at least ten minutes in advance to ensure access to the call.

If you would like to have an event listed in the business calendar, please call Becky Ausenda on (278 0147) or e-mail businessroyalgazette.bm