-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, WzCCxo51dZV5HUhuz+QnLkju/ci945im1UIFP9toLt9dZjIT2xmd62DUlqaeagdZ DU6DDEodnPITtvlDr4bc4g== 0000086312-99-000019.txt : 19990708 0000086312-99-000019.hdr.sgml : 19990708 ACCESSION NUMBER: 0000086312-99-000019 CONFORMED SUBMISSION TYPE: 11-K PUBLIC DOCUMENT COUNT: 3 CONFORMED PERIOD OF REPORT: 19981231 FILED AS OF DATE: 19990707 FILER: COMPANY DATA: COMPANY CONFORMED NAME: ST PAUL COMPANIES INC /MN/ CENTRAL INDEX KEY: 0000086312 STANDARD INDUSTRIAL CLASSIFICATION: FIRE, MARINE & CASUALTY INSURANCE [6331] IRS NUMBER: 410518860 STATE OF INCORPORATION: MN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 11-K SEC ACT: SEC FILE NUMBER: 001-10898 FILM NUMBER: 99659817 BUSINESS ADDRESS: STREET 1: 385 WASHINGTON ST CITY: SAINT PAUL STATE: MN ZIP: 55102 BUSINESS PHONE: 6123107911 FORMER COMPANY: FORMER CONFORMED NAME: ST PAUL COMPANIES INC /MN/ DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: SAINT PAUL COMPANIES INC DATE OF NAME CHANGE: 19900730 11-K 1 FORM 11-K FOR VICTORIA FINANCIAL CORPORATION SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ------------------------- FORM 11-K ANNUAL REPORT PURSUANT OT SECTION 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 X Annual Report Pursuant to Section 15(d) of the --- Securities Exchange Act of 1934 or Transition Report Pursuant to Section 15(d) of --- the Securities Exchange Act of 1934 for the transition period from to . --------- ---------- For the fiscal year ended December 31, 1998 Commission file number 0-3021 ------------------------------ A. Full title of the plan and the address of the plan, if different from that of the issuer named below: Victoria Financial Corporation 401(k) Plan B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: THE ST. PAUL COMPANIES, INC. 385 WASHINGTON STREET ST. PAUL MINNESOTA 55102 REQUIRED INFORMATION -------------------- The Victoria Financial Corporation 401(k) Plan (the "Plan") is subject to the financial reporting requirements of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"). In accordance with Instruction E to Form 11-K, the Plan financial statements and schedules prepared in accordance with the financial reporting requirements of ERISA are filed in paper under cover of Form SE. EXHIBIT INDEX Exhibit Number Description ------ -------------------- 23.1 Independent Auditors' Consent 23.2 Consent of Independent Auditors SIGNATURES The Plan. Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees have duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized. Victoria Financial Corporation 401(k) Plan ------------------------------------------ (Name of Plan) Date: July 7, 1999 /s/ Terry Nolan ---------------------------- Name: Terry Nolan Title: Vice President, Human Resources Victoria Financial Corporation and Plan Administrator EX-23 2 EXHIBIT 23.1 Independent Auditors' Consent The Plan Administrator Victoria Financial Corporation 401(K) Plan: We consent to the incorporation by reference in the Registration Statement No. 333-50935 on Form S-8 of the Victoria Financial Corporation 401(k) Plan of our report dated June 11, 1999, relating to the statement of net assets available for benefits, with fund information, as of December 31, 1998 of the Victoria Financial Corporation 401(k) Plan, and the related statement of changes in net assets available for benefits, with fund information, for the year then ended, which report appears in the Form 11-K for the Victoria Financial Corporation. /s/ KPMG LLP -------- KPMG LLP Columbus, Ohio July 6, 1999 EX-23 3 EXHIBIT 23.2 CONSENT OF INDEPENDENT AUDITORS We consent to the incorporation by reference in the Registration Statement (Form S-8 No. 33-59535) pertaining to the Victoria Financial Corporation 401(k) Plan of our report dated July 7, 1998, with respect to the financial statements and schedules of the Victoria Financial Corporation 401(k) Plan included in this Annual Report (Form 11-K) for the year ended December 31, 1997. /s/ ERNST & YOUNG LLP --------------------- ERNST & YOUNG LLP Cleveland, Ohio June 29, 1999 -----END PRIVACY-ENHANCED MESSAGE-----