Annual Results 2004

Fortis has pleasure in inviting you to the presentation of the Annual Results 2004.

The results will be commented upon by

Jean-Paul Votron, CEO,

Herman Verwilst, Deputy CEO

and Gilbert Mittler, CFO.

The press conference will take place on:

Thursday 10 March 2005 at 10.30 a.m. (CET)

in the Fortis Auditorium in Belgium,

Rue de la Chancellerie 1, 1000 Brussels

(see route description enclosed).

Parking facility "Albertine" is located nearby the Fortis Headquarters in Brussels; exit tickets will be provided

to you by Fortis.

A lunch will be offered after the press conference.

The press conference can be followed live by webcast on www.fortis.com or by telephone:

+ 44 (0)207 784 1020 (United Kingdom),

+31 (0)20 713 2790 (The Netherlands), or

+32 (0)2 400 6864 (Belgium).

Please dial in 5 minutes in advance.

A replay line of the pressconference is available

until 31 March 2005:

+44 207 984 7578, password: 3042529#

Please return the enclosed reply form before 4 March 2005.