Rider 1
1. Mr. Greenberg is a trustee of the C.V. Starr & Co., Inc. Trust (the "Starr
Trust"). Mr. Greenberg may be deemed to be the beneficial owner of, and to have
a pecuniary interest in, shares of AIG common stock held by the Starr Trust. Mr.
Greenberg disclaims the beneficial ownership of, and any pecuniary interest in,
the shares of AIG common stock held by the Starr Trust.

2. Mr. Greenberg owns 17.204% of the outstanding common stock of C.V. Starr &
Co., Inc. ("Starr"). Mr. Greenberg may be deemed to be the beneficial owner
of, and to have a pecuniary interest in, the shares of AIG common stock owned
by Starr. Mr. Greenberg believes that any pecuniary interest he may have in
the shares of AIG common stock held by Starr does not exceed the percentage
of his common stock ownership of Starr. Accordingly, Mr. Greenberg has
reported only his proportionate interest (i.e., 17.204%) of the transactions
by Starr in AIG common stock. Mr. Greenberg disclaims the beneficial ownership
of, and any pecuniary interest in,the shares of AIG common stock owned by Starr.

3. Starr has 1984, 1989 and 1994 Employee Stock Option Plans (the "Starr SOPs"),
under which certain key employees of Starr are granted options with respect to
shares of AIG common stock. As discussed in footnote 2 above, Mr. Greenberg may
be deemed the beneficial owner of, and to have a pecuniary interest in, the
shares of AIG common stock held by Starr, including those held by Starr which
are used to satisfy exercises under the Starr SOPs.

As discussed in footnote 2 above, Mr. Greenberg believes that his pecuniary
interest in the shares of AIG common stock held by the Starr SOPs is limited to
17.204%, and Mr. Greenberg disclaims beneficial ownership of, and any pecuniary
interest in, the shares of AIG common stock held by Starr which are used to
satisfy exercises under the Starr SOPs. On December 11, 2003, an individual
exercised options for 2,857 shares of AIG common stock.

4. Starr maintains a 1972 Employee Stock Purchase Plan (the "Starr Purchase
Plan"), under which employees of Starr are given the right to subscribe for
shares of AIG common stock. As discussed in footnote 2 above, Mr. Greenberg may
be deemed to be the beneficial owner of, and to have a pecuniary interest in,
the shares of AIG common stock held by Starr, including the shares held by Starr
which are used to satisfy rights under the Starr Purchase Plan.
As discussed in footnote 2 above, Mr. Greenberg believes that his pecuniary
interest in the shares of AIG common stock held by the Starr Purchase Plan is
limited to 17.204%, and Mr. Greenberg disclaims beneficial ownership of, and any
pecuniary interest in, the shares of AIG common stock held by Starr which are
used to satisfy rights under the Starr Purchase Plan.

5. Mr. Greenberg is a trustee of certain trusts for the benefit of his children
and grandchildren. In addition, ownership of shares of common stock held by Mr.
Greenberg's wife may be attributed to Mr. Greenberg. This transaction
represents a gift of 190 shares to the trust for the benefit of Aletta B.
Greenberg.  Mr. Greenberg disclaims the beneficial ownership of, and any
pecuniary interest in, the shares of AIG common stock held by these trusts
and by his wife.

6. Mr. Greenberg is a partner of various limited and general partnerships.
Beneficial ownership of, and any pecuniary interest in, the shares of AIG common
stock held by these partnerships is disclaimed.