ACE GPS. Navigating the World With You

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1 ACE GPS SM Navigating the World With You

2 ACE Group delivers client-focused solutions to multinational companies through our ACE GPS SM global platform.

3 Introducing ACE Global Program Solutions (ACE GPS SM ) ACE GPS SM represents a dynamic, client-focused approach to managing multinational risk. With a dedicated global team and a consultative way of working, we provide custom solutions for your needs around the world. We back our commitment with the many strengths of ACE: a strong international network, indigenous expertise, financial security and our industryleading technology. Navigating Through a Complex New World Multinational companies today operate in a constantly changing world. They face increased property and casualty risks, directors and officers liability, business travel accidents, reputation risk, environmental risk, terrorist incidents and more. At the same time, numerous country-specific regulations and their stepped-up enforcement make compliance and related issues increasingly complicated. Navigating through this uncertain environment is more challenging than ever before. regulations governing foreign subsidiaries, to the use of non-admitted insurers, to excess liability, or to localized directors and officers coverage, we deliver solutions that are truly global. ACE GPS SM : Better Protection Around the World ACE GPS SM is a dynamic platform tailored for your international insurance needs. And with our new ACE Worldview SM web-based portal, we help you manage and monitor your entire program in real time, right from your desktop. That s why a growing number of multinationals and their brokers are turning to ACE. Our GPS SM platform brings together all the assets of ACE our dedicated professionals, international network, technological leadership and broad product array and weaves those strengths into innovative insurance solutions to meet customer needs around the world. Whether you re a manufacturer with factories overseas, a conglomerate with your own captive insurer, or a pharmaceutical firm conducting international clinical trials, we understand the issues that can affect your business. ACE professionals structure insurance solutions that address your specific requirements. From ACE delivers solutions backed by our indigenous experience and expertise in insurance markets across the globe. We look at the totality of your situation to help you manage risk comprehensively, confidently, and cost-effectively. Broad Capabilities, Deep Expertise With ACE Group resources worldwide, we re an ideal partner for multinational companies. We have ACE-owned offices in all major markets 53 countries to date and a network of long-term partners committed to our high standards. As a result, we provide indigenous expertise and world-class service in more than 170 countries. The breadth of our product line and the skill of

4 our underwriting teams allow clients to consolidate their business with us, making for more efficient administration. With our worldwide network, we can respond to your needs quickly moving premiums, issuing policies, resolving claims, and assisting you, post loss, in getting your business up and running again. dedicated to superior service. We have the institutional understanding to respect the complexity of today s issues as well as the skill to address them successfully. ACE Worldview SM : Bringing It All Together The ACE GPS SM platform has advantages for CFOs, treasurers, risk managers, brokers and others in the decision-making process. Risk managers and CFOs benefit from the contract certainty, accountability and value we offer. Brokers, too, appreciate our transparent structure and our ability to facilitate communications among parties. Most important, we believe we do business the right way. We re straightforward and responsive, Developed specifically for multinational risk managers, ACE Worldview SM is a remarkable web-based desktop portal that gives you access to our systems and expertise in one easy-to-use application. It s unique in the industry and it s exclusive to ACE. Seeing the big picture ACE Worldview SM allows you to monitor the status of your entire global program in real time At Home Around the World Whether we re fronting for a multinational s captive insurer, protecting factories in Brazil or India through our locally owned offices and our network partners, or helping a UK firm address D&O needs on behalf of a Chinese subsidiary, we know the issues and the local environment. We ll deliver the products, service and thought leadership you expect.

5 from an intuitive, easy-to-navigate home screen. You can see program status updates on a daily basis; get copies of local policies and certificates; and access the ACE Insurance Directory Ș M the proprietary research tool our underwriters, account managers and legal staff use every day. There are numerous other features as well, including program contacts, multinational standards, policy issuance and claims alerts, and more. You also may benefit from access to Global RiskAdvantage Ș M our state-of-the-art multinational loss-reporting tool. Country-by-Country Compliance Our experienced professionals around the globe start by understanding your specific business and the issues you face. We partner with you and your broker to structure the most appropriate insurance program for your situation. In today s ever-changing regulatory climate, it s important to work with an insurer who understands local rules and customs. With our indigenous expertise, for example, we can analyze and confirm risk premium allocations or structure effective DIC/DIL coverage that respects local rules and regulations elements that are of critical importance for any global, multinational program. Because we understand your specific business issues, the ACE team can provide solutions in countries where non-admitted policies are prohibited. Our owned companies and network partners allow us to offer policies that meet the requirements of your subsidiaries and interests around the world, while keeping abreast of the evolving regulatory environment. From the feature-rich ACE Worldview SM home screen, you can easily access the functions you need to manage your program. You can create reports, conduct research, view your policies, see claim status and more. And you can do it all without leaving your desk. ACE Worldview ȘM our new web-based. portal, lets you monitor and manage your. entire program right from your desktop.

6 We work consultatively, helping to develop solutions that best fit your needs. A Strong Portfolio of Products For more than 25 years, ACE has been helping multinational companies manage risk around the world. Our breadth of products, depth of expertise and appetite for risk make us a valued partner for global companies. Property and Casualty As a global provider of commercial property and casualty insurance, the ACE Group team puts an international network of underwriting, claims and risk control professionals to work, helping businesses reduce risk and mitigate loss. We also advise on protection and hazard topics and provide tailored engineering services, all backed by the ACE GPS SM platform. Specialty With our global footprint and our understanding of local market requirements, we provide tailored solutions that other insurers cannot. Practice areas include professional risk, financial lines, medical risk, environmental impairment, aviation, energy and many others. Accident and Health Unlike most insurers, ACE views accident and health as a core business, and we underwrite it everywhere we operate. We cover the risks attendant to the employer-employee relationship with unique insight, knowledge of local market practices and expectations, and the global network to deliver our expertise in a cost-effective and compliant way. Through ACE GPS Ș M large multinational organizations can secure personal accident and business travel coverage for their employees worldwide. The Right Team, the Right Time We ve invested significant time and resources to become the premier client-oriented insurer for multinational companies. We back our ACE GPS SM platform with our top rated balance sheet A+ from Best and Standard & Poor s and with our geographic reach, wide product array, underwriting expertise and claims resolution ability. ACE GPS SM cuts across products and geography. Our dedicated ACE Global Services Team works around the world to implement your global program, manage the infrastructure, coordinate among offices and make sure that developments in technology keep pace with those in the business world. We can provide an ACE Global Client Executive, depending on the size and scale of your ACE relationship. This ombudsman brings decades of experience and deep industry knowledge to the issues you face, and serves as your single point of contact throughout ACE. As your international business expands, risk and complexity increase; the logic of accessing the ACE GPS SM platform, therefore, becomes more compelling each day. If you manage risk, people, or both at a large multinational organization, you should talk to us about ACE GPS. SM Call your broker or your local ACE office and let us demonstrate how we can help.

7 We Cover the World Through our ACE GPS SM platform, we provide a full range of multinational risk management products and a broad global network to help meet your needs anywhere in the world. From property and casualty insurance through accident and health, marine, aviation, environmental liability, professional risk, financial lines and many other specialized disciplines, the ACE GPS SM team can tailor solutions to fit your individual requirements. We really do cover the world with excellent service, multinational expertise, skilled underwriters, and responsive claims professionals.

8 Kenneth Riegler President Multinational Client Group ACE North America Michael G. Furgueson President Multinational Client Group ACE International ACE USA 436 Walnut Street Philadelphia, PA United States ACE BERMUDA 17 Woodbourne Avenue Hamilton HM 08 Bermuda ACE CANADA Telus Tower 25 York Street, Suite 1400 Toronto, Ontario M5J 2V5 Canada ACE ASIA PACIFIC 600 North Bridge Road Parkview Square Singapore ACE CONTINENTAL EUROPE Le Colisée 8, Avenue de l Arche Courbevoie Cedex France ACE UK & IRELAND The ACE Building 100 Leadenhall Street London EC3A 3BP United Kingdom ACE JAPAN ARCO Tower, 13 Floor Shimomeguro Meguro-ku Tokyo Japan ACE LATIN AMERICA Miraflores, 222 Santiago Chile ACE MIDDLE EAST/ NORTH AFRICA Manama Centre PO Box 2725 Manama Kingdom of Bahrain For more information, please The ACE Group of Insurance and Reinsurance Companies.This is a product and service summary. Products are underwritten by insurance company subsidiaries of ACE Limited. Coverage may not be available in all jurisdictions and is subject to actual policy language. Non insurance products and services may be provided by independent third parties /2010

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