70% of the world is covered by water,

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1 70% of the world is covered by water, the rest is covered by clements. Global broker NetworK ProsPectUS

2 Global Broker Network About the Network: Clements Worldwide, the leading provider of insurance solutions for expatriates and international organizations, offers agents and brokers access to its complete range of commercial and personal insurance products. Serving the expatriate and multinational community for over 65 years, Clements seeks partners to expand its innovative products and exceptional service into new markets. The Global Broker Network was established to provide a partnership opportunity for licensed insurance agents and brokers worldwide looking to gain a competitive edge with international insurance. A dedicated service team at the company s headquarters in Washington, DC and London oversees the network and provides assistance to members to help streamline client management. Broker Benefits: Competitive commission structure Access to international markets Worldwide coverage Quick, hassle-free claims service Insurance solutions for a one-time risk or ongoing basis Online Resources Online fulfillment capabilities for quoting and payment Automated policy issuance on major product lines Secure online broker portal for quoting and pipeline management Relationship Management Dedicated team to support sales efforts, client servicing, and product training Account rounding and cross selling support Monthly reporting and lead tracking Who Should Join: Licensed insurance agents and brokers with regional access to expatriates or seeking to enter this growing market segment Insurance associations located outside the United States Insurance aggregators Service providers

Serving the expatriate and multinational community for over 65 years, Clements seeks partners to expand its innovative products and exceptional service into new markets.

3 International Products: Individuals Auto Physical Damage & Liability Personal Property Worldwide Health Travel Medical Personal Umbrella Personal Accident Kidnap & Ransom Term Life Organizations Fleet Personal Accident Kidnap & Ransom Foreign Property & General Liability Workers Compensation Directors & Officers Liability Emergency Evacuation Transit and Cargo Group Health Group Life DBA Political Violence Eligibility: Brokers Receiving Commission: A valid insurance license (Property & Casualty) and/or (Life & Health) is required. If your affiliated firm receives the commissions, you and the firm must meet the license requirements of the account. Affiliates Receiving Lead Generation Compensation: No license is required. To Apply: Contact us by visiting or at

Political Violence Eligibility: Brokers Receiving Commission: A valid insurance license (Property & Casualty) and/or (Life & Health) is required.

4 Company Fact Sheet About the Company: Vision: Mission: Founded: Locations: Leadership: Recognitions & Distinctions: Clements Worldwide is the leading provider of insurance solutions for expatriates and international organizations. Founded in 1947, Clements offers worldwide auto, property, health, life and commercial insurance with superior customer service and claims response to customers in more than 170 countries. To be the premier provider of global insurance solutions. Through the energy and creativity of empowered employees, we provide innovative global insurance solutions, offering financial protection to individuals and organizations by Robert Clements and M. Juanita Guess-Clements. In 2011, Clements & Company began doing business as Clements Worldwide. Washington D.C. (Headquarters) London, UK Dubai, UAE Jon Clements, Chairman & CEO Chris Beck, President 2008, 2009, 2010 Best Practices Award 2011, 2012, 2013 Independent Insurance Agents & Brokers of America 2009 Growth: 15% (GPW) 2010 Growth: 18% (GPW) 2011 Growth: 18% (GPW) 2012 Growth: 8% (GPW) Financial Highlights: Net Sales by Division: Individual: 33% Commercial: 67% Website: Contact Information: U.S. Headquarters ONE Thomas Circle NW 8th Floor Washington, DC / London, UK 40 Lime Street 4th Floor London EC3M 7AW Dubai, UAE The Gate Precinct Building 3 - DIFC Level 5, Office 509 PO Box P:+971 (0)

Founded in 1947, Clements offers worldwide auto, property, health, life and commercial insurance with superior customer service and claims response to customers in more than 170 countries.

5 Product Portfolio Expat Insurance Solutions Automobile Comprehensive, Collision, Theft and Liability coverage for your automobile to keep you on the road. Personal Property Coverage for personal items damaged during the relocation process, while in your foreign residence or when traveling. Global Individual Health Worldwide medical plans ensure that you and your family continue to receive quality care throughout the world. Kidnap & Ransom Unique coverage that assists you and your family toward a positive resolution should a crisis event occur. Travel Medical A short-term healthcare policy designed for the international traveler. Term Life Financial support for your beneficiary if a life-ending event occurs within a specified period of time. Insurance Solutions for International Organizations WorldAuto - Commercial Auto Comprehensive, Collision, Theft and Liability policy to keep your commercial vehicles on the road. Foreign Property & Liability A customized package policy including property and liability coverage designed to protect an organization s investment abroad. Directors & Officers Liability Liability protection for decisions made by the leaders and board members of an organization. Group Medical Insurance Worldwide medical plans ensure that your employees and their families continue to receive quality care throughout the world.

Global Individual Health Worldwide medical plans ensure that you and your family continue to receive quality care throughout the world.

6 Insurance Solutions for International Organizations (continued) Foreign Workers Compensation Liability insurance to aid organizations when it is necessary to pay benefits and furnish medical care to employees who injure themselves while on the job. Long Term Disability Income replacement plan to provide assistance when a disability or illness prohibits your employees from working. Group Life Insurance Our flexible approach to group life insurance allows us to meet the specific needs of any size or type of organization. Transit & Cargo Including War Risk Global protection is available to protect your organization s goods and property in transit. Personal Accident Provides financial security to your organization in the event of an injury or permanent disability. Political Evacuation Coverage against possible losses resulting from sudden political disturbance in a host country. Kidnap & Ransom Unique coverage that assists your organization and employees toward a positive resolution should an unfortunate event occur. War & Terrorism A coverage extension is available for a loss or business interruption that occurs as a result of an act of war or terrorism on certain policies.

Group Life Insurance Our flexible approach to group life insurance allows us to meet the specific needs of any size or type of organization.

7 Defining the Expatriate Market About the Market: Size: Any individual living outside of his or her home country (country of citizenship or passport). Expatriates tend to be more highly educated, have a higher than average income and face some very specific challenges when moving abroad, like learning the local language. They generally develop a strong expat community in specific regions to share information and for social interaction million Americans alone (excluding military) live in 160+ countries. Estimated figures by region: Africa: 171,000 East Asia and Pacific: 864,000 Europe: 1,612,000 Middle East: 870,000 South Central Asia: 212,000 Western Hemisphere: 2,591,000 Top Locations for Expatriate Assignments: China (19%) United States (17%) United Kingdom (12%) Top Emerging Locations: China (13%) India (9%) Russia (7%) Singapore (4%) Singapore (3%) Switzerland (4%) UAE (2%) Germany (4%) Australia (2%) Japan (3%) Brazil (2%) Belgium (3%) Poland (2%) Australia (3%) United Kingdom (2%) Russia (2%) Canada (2%) Consumer Profile: 14% 2% 9% Age of Expatriates 61% Assignment Type for Expatriates 38% 20 to to to to Percentage 22% 12% 5% 37% Long-Term Short-Term One Way International Transfers Other

They generally develop a strong expat community in specific regions to share information and for social interaction. 6.32 million Americans alone (excluding military) live in 160+ countries.

8 Expatriates & Their Families What Types of Insurance Do Expats Need? Married 66% International Auto International Property/Home Contents & Liability International Health Accompanied by Spouse/Partner on Assignment 85% International Life Personal Accident With Children on Assignment 57% Kidnap & Ransom 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% Market Characteristics: Asia is home to the majority of the highest paid expats in the world: Expats earning more than US $250,000 are in Hong Kong (27%), Japan (26%) and India (25%). The lowest paid expats earning under US $100,000 live in Australia and Belgium. Over two-thirds (68%) of expats says they are saving and investing more since they moved away from their home country. Individuals who are concerned with their financial affairs are more likely to invest in insurance to protect their assets, especially while abroad in high risk locations. Over half of expats (58%) surveyed in 2009 have lived abroad for more than five years. However, most expats only stay in their respective country of residence for between seven months and two years. Accessing the Expatriate Market: There are numerous organizations that serve expatriates around the world. These entities function as important gateways to the market and provide a wealth of information about expatriates in a particular region. Communications and involvement in these organizations increase your potential for success in the expatriate market. Chambers of Commerce American Organizations Expat Associations - Federation of American Womens Clubs Overseas - Families in Global Transition - International Newcomers Clubs United Nations Embassies Expat Websites - Expatexchange.com - Expatwomen.com - Expatica.com Sources: HSBC Bank International s Expat Explorer Survey 2009 Global Relocation Trends 2009 Survey Report The Association of Americans Resident Overseas (

on Assignment 57% Kidnap & Ransom 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% Market Characteristics: Asia is home to the majority of the highest paid expats in the world: Expats earning more than US

Car Property & Liability Life & Health Specialty & High Risk Insurance. international Personal insurance

Car Property & Liability Life & Health Specialty & High Risk Insurance international Personal insurance take clements with you. As an expatriate, your life takes you beyond borders to new and unfamiliar