Captive & Insurance Management

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Aon Risk Solutions Global Risk Consulting Captive & Insurance Management Location of captive parent company 500+ captives 250-500 captives 51-249 captives 10-50 captives <10 captives

Introducing Aon About Aon Aon is the leading global provider of risk management, insurance and reinsurance brokerage, and human resources solutions and outsourcing services. Our focus and dedication have made us the global leader within our industry as recognised by publications, industry observers and, most importantly, our clients throughout the world. The integrated solutions we provide are drawn from every aspect of our global organisation: Aon plc Aon Risk Solutions Aon Benfield Aon Hewitt Retail Brokerage Treaty Reinsurance Brokerage Rewards and Compensation Risk Assessment and Advisory Facultative Reinsurance Brokerage Engagement and Leadership Captive Management Affinity Programmes Premium Finance Claims Advocacy and Administration Select Personal Lines Actuarial and Analytics Technology Solutions Capital Markets and Financial Advisory Analytics and Technical Services Claims Management Strategy, Claims and Operations Consulting Workforce Planning and Administration Defined Contribution and Defined Benefit Investments and Financial Planning Health and Benefits Population Health and Absence Health Care Exchanges About Aon Captive & Insurance Management Aon s Captive & Insurance Management team manages approximately 1,450 insurance entities worldwide including captives, protected and incorporated cell facilities, special purpose vehicles and specialist insurance and reinsurance companies. As a business unit within Aon s Global Risk Consulting group, we leverage the diverse risk consulting expertise required for a successful risk management programme. Our consulting and management teams work closely together to create and implement innovative solutions. Aon Global Risk Consulting Risk Control Claims & Engineering Captive & Insurance Management Risk Consulting Claims Advisory Services Consultation Actuarial & Analytics Energy Risk Engineering Financial & Management Reporting Business Continuity Management Fire Protection Services Formation Crisis Management Consulting Risk Control & Mitigation Insurance & Claims Management Enterprise Risk Management Valuations Regulatory Reporting & Compliance Risk Financing Treasury Risk Management Outsourcing Aon Risk Solutions Global Risk Consulting Captive & Insurance Management

Aon s World of Captives More than 20% of all captive owners entrust the management of their captives to Aon. The excellence of our service is evidenced by a 98% client retention ratio. The captives that we manage have combined assets of over $150bn and write annual premiums in excess of $25bn. Covers written include all property and casualty lines, employee benefits, customer programs and bespoke policies to respond to emerging risks. We manage captives for parents of all sizes, from small privately held entities to multinational conglomerates. 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% Parent size Revenue $100bn+ $50bn to $100bn $25bn to $50bn $10bn to $25bn $5bn to $10bn $1bn to $5bn Less than S1bn We manage insurance companies for all industry groups across the globe. 2.33% 2.13% 1.45% 2.23% 0.68% 4.84% 5.33% 2.91% 2.23% 3.29% 3.88% 3.20% 5.23% 8.43% 2.91% Captives by industry 12.69% 4.75% 4.55% 6.78% 18.22% 1.94% Aviation Business & Professional Services Construction Services Energy Entertainment & Leisure Financial Institutions Food System, Agribusiness & Beverages Healthcare Services Holding Company Manufacturing Marine Natural Resources Non Classifiable Pharmaceuticals & Chemicals Power Professional Services Public Sector Real Estate Retail & Wholesale Trade Technology & Communications Transportation & Logistics 55% 1% 1% 4% 4% Captives by owner location 2% 33% Africa Asia Pacific Caribbean Europe Middle East North America South America Global Footprint + + + = Industry Expertise Financial Strength Technical Knowledge Excellent Results

Empowering Results Profitability Managing the company s affairs to control cost, improve cash flow and drive operational efficiencies within a total cost of risk framework. Advocacy Growth Maximizing captive utilisation within the client s risk appetite to deliver long-term profitable growth. Technology & Tools Facilities Innovation Team & Service Maximise Performance Stability Advisory & Consulting Prudent financial management and advice that protects the balance sheet and empowers good governance throughout the client organisation. Our objective is to maximise captive performance Our Captive & Insurance Management team works closely with actuaries and analysts to bring clarity to your risk exposures. Our management services are delivered by qualified professionals to ensure accurate, compliant and timely reporting. Our unique client benchmarking programme analyses more than 20% of the world s captives. It enables comparison with peer groups by size, geography or industry. Aon s captive management best practices identify ways to maximise program efficiency. Our breadth of experience generates ideas and innovation to keep captives current and relevant to the needs of their owners and insureds. Assessment Development Analytics Actuarial Budget Evaluation Review Expand Innovate Financial Underwriting Compliance Co-ordination Reporting Management Best Practices Benchmarking Key Performance Indicators Measurement Aon Risk Solutions Global Risk Consulting Captive & Insurance Management

How We Deliver Value to Our Clients Innov Team & Service Service delivered by a team of 500 professionals with a deep understanding of client issues at every stage in the captive life cycle from feasibility, to set-up, utilisation and exit. Advocacy Constantly advocate with regulators and legislators to achieve client goals and monitor tax, legal, audit, regulatory and solvency issues impacting clients. Growth Ou Clie Technology & Tools Leading-edge technology solutions to deliver streamlined processes, benchmarking, data processing and storage, and client connectivity. Profita Clie nt v Supporting the Captive Life Cycle Feasibility Formation Manag

ation Facilities Protected and incorporated cell facilities in multiple domiciles, coupled with access to cost-effective collateral instruments and exclusive reinsurance capacity focused on delivering unique solutions to clients. Stability r nt Innovation Dedicated innovation funding with regional innovation teams helps improve processes, stay ahead of new regulation and deliver new solutions to clients. bility Advisory & Consulting Our consulting teams provide actuarial, claims management, risk finance, risk control and employee benefits consulting that drive optimal captive performance. isibility ement Programme Evolution Closure

Captive Advice & Consulting A healthy captive is integral to the performance of your organisation s holistic risk strategy. Your Aon team will work with you to develop innovative and strategic solutions that support and drive value within your captive. The most successful captives are those that are integrated within the risk management culture of an organisation. We understand the issues that captive owners face, and continually challenge the status quo to help drive innovative solutions and strategies. Through provision of exposure valuations, robust analytics, implementation of risk control measures and proactive management, we have the expertise to help ensure your captive supports your business goals. Claims Management Risk Control Captive Management Valuations Captive Solutions Captive Consulting Actuarial & Analysis CaptiveConsole Powerful captive underwriting performance data available remotely at your fingertips. For captive owners availability of timely and accurate underwriting and claims information is essential. CaptiveConsole Aon s underwriting and claims management system for captives allows for leading-edge management information reporting to be available remotely via a secure, web-based platform. The system provides full insurance programme oversight enabling captive owners to make informed decisions around programme design. Examples of CaptiveConsole dashboards Paid, Outstanding and Claim Count Cause of Loss 100,000,000 Severity 10,000,000 1,000,000 100,000 1999 2001 2003 2005 2007 2009 2000 2002 2004 2006 2008 2010 Accident year 10,000 1,000 100 10 Frequency Burn/Temp Caught In/Between Completed Operation Corporate Liability Cumulative Trauma Cut/Puncture/Scrape Delay Fuel Pipe Malfunction Human Acts Miscellaneous Motor Vehicle Natural Hazard Perils of Sea Product Liability Aon Risk Solutions Global Risk Consulting Captive & Insurance Management

Contact information John English Regional Managing Director, EMEA john.english@aon.co.uk +44 (0) 20 7086 3040 Nancy Gray Regional Managing Director, Americas nancy.gray@aon.com +1 802 652 1570 Aon plc (NYSE:AON) is the leading global provider of risk management, insurance and reinsurance brokerage, and human resources solutions and outsourcing services. Through its more than 65,000 colleagues worldwide, Aon unites to empower results for clients in over 120 countries via innovative and effective risk and people solutions and through industry-leading global resources and technical expertise. Aon has been named repeatedly as the world s best broker, best insurance intermediary, reinsurance intermediary, captives manager and best employee benefits consulting firm by multiple industry sources. Visit aon.com for more information about Aon. Aon UK Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: 8 Devonshire Square, London, EC2M 4PL Registered in London No.210725 VAT Registration No.480 48 Copyright 2013 by Aon UK Limited. All rights reserved.