Generali, Your Loyal Insurance Partner Since 1831

Generali, Your Loyal Insurance Partner Since 1831 Generali Global Corporate & Commercial U.S.A generali.com

1 Assicurazioni Generali - Generali Global Corporate & Commercial U.S.A Generali. One of the leading insurers in the world 60+ Countries in the world 72 MLN Customers 70 BLN Euro in premiums (2014), over 67% from outside Italy Founded in Trieste in 1831, Generali is one of the most significant players in the global insurance and financial products market. The Group is present in over 60 countries and aims to be among the leading insurers in the markets where it operates. Generali offers an extensive line of products in the Life and Property & Casualty segments to meet all the clients needs. In the Life segment, Generali s offer ranges from savings and family protection policies to unit-linked policies and sophisticated programmes for multinationals. In the Non-Life segment, Generali s portfolio ranges from mass- market personal lines insurance to sophisticated commercial and industrial risk coverage. 480 BLN Euro of AUM Vision Our purpose is to actively protect and enhance people s lives 78,000 Employees 50 One of the world s 50 largest companies *Source: Fortune Global 500 Mission Our mission is to be the first choice by delivering relevant and accessible insurance solutions contact.gcc@generali.com www.generali.com Values Deliver on the promise, Value our people, Live the community, Be open

Generali Global Corporate & Commercial U.S.A - Assicurazioni Generali 2 Generali Group at a glance Insurance operations of Generali Group Branches: New York, United Kingdom, Hong Kong, Tokyo, Dubai, Panama Other countries in which Europ Assistance operates Through Generali Employee Benefits, the Group operates in more than 100 countries GENERALI RATINGS ASSIGNED BY THE PRIMARY AGENCIES GROUP S KEY FIGURES (MLN EUROS) RATING FINANCIAL STRENGTH OUTLOOK 2013 2014 Gross Written Premiums 66,055 70,430 AM BEST A STABLE Operating Result 4,207 4,508 MOODY S Baa1 STABLE Net Result of the Period 1,915 1,670 FITCH A+ STABLE Stakeholders Equity at Book Value 19,778 23,204

3 Assicurazioni Generali - Generali Global Corporate & Commercial U.S.A The Core Insurance Business Generali offers an extensive line of products in the Life and Property & Casualty segments to meet all the clients needs. In the Life segment, its offer ranges from savings and family pro-tection policies to unit-linked policies and complex plans for mul-tinationals. In the P&C segment, its wellbalanced and diversified portfolio ranges from mass-market coverage such as Car, Home, Accident & Health, to sophisticated commercial and industrial risk coverage. The Group is committed to achieving the optimal client segmentation and enhancing product innovation in order to deliver a targeted approach to clients. Generali aims to be best-in-class for client retention and satisfaction. PRODUCT INNOVATION Generali relies on innovation as a key driver for future growth. In-novation allows for more tailored solutions and quicker product development. Through innovation, Generali will achieve product excellence. In the Life segment, every new product is approved ex-ante by the Group s Head Office. Products are assessed periodically to ensure Group s standards are met. In the P&C segment, Generali is committed to enhancing the per-formance of the P&C offer, by improving the sophistication of its products and services for a better definition of clients profiles, and its claims management services. Generali is a leader in the retail segment and it is increasing the contribution of the Commercial business, in which it serves from small to large companies at international level leveraging the Group s global reach and its strong ties with international brokers.

Generali Global Corporate & Commercial U.S.A - Assicurazioni Generali 4 Global Business Lines Backed by the solidity of the Generali Group, Global Business Lines combines the strength of three leading strategic units - Generali Employee Benefits, Global Corporate & Commercial and Europ Assistance - to offer corporate clients a full range of global insurance solutions. As a single platform, our over 2,000 internationally minded specialists assist multinational companies implement global employee benefits, property, casualty and specialty insurance solutions as well as assistance services, handling 5 billion Euro premiums of corporate business.their employees and final customers. Generali Global Business Lines brings clients the skills, interna-tional market experience and knowledge of local specificities to help them secure risks and increase the loyalty of their employees and final customers. Generali Employee Benefits GEB is the strategic business unit of the Generali Group dealing exclusively with Employee Benefits, offering sophisticat-ed solutions to multinational compa-nies that wish to provide Life, Accident, Disability, Health and Pension cover to their employees. GEB is the global mar-ket leader in its business segment with more than 1,500 multinational clients. The GEB network is present in more than 100 countries. Global Corporate & Commercial GC&C is the new Generali Group unit that develops the P&C business and insurance services for medium and large companies. The unit acts on a global scale and deploys an integrated approach at Group level with a central management team and specialised teams active in individual countries. Through the new unit, Generali aims to become a key world player in this segment. multinational clients. The GEB network is present in more than 100 countries. Europ Assistance Europ Assistance offers Care services with a focus on innovation. Europ Assistance serves more than 300 million people around the world through 8,000 staff and 44 companies and branches in 33 countries. It is the leading global brand for care services. Group Life Group Accident Group Disability Group Medical Expatriates Retirement Property & Casualty Engineering Marine & Transport Aviation Financial Lines Insurance Corporate Services Business & Leisure Travel Assistance and Insurance Remote Medical & Security Services Claims Management & Cost Containment Services Mobility & Fleet Assistance Property Assistance & Lifestyle Assistance

5 Assicurazioni Generali - Generali Global Corporate & Commercial U.S.A Generali Global Corporate & Commercial Global Corporate & Commercial Generali Global Corporate & Commercial (GC&C) is a business unit that harnesses the skills and competences of the Generali Group to provide a full range of property, casualty and specialty lines protection to Corporate and Commercial clients and their brokers worldwide. GC&C aims to provide Corporate and Commercial clients with best-in-class risk management solutions and services, leveraging its knowledge and expertise in local markets, through unrivalled leadership in Western and Central & Eastern Europe as well as an established presence in emerging Latin American and Legacy Solidity Asian countries. GC&C s sales professionals work alongside clients and their intermediaries to help them understand, manage and transfer risks. Fully dedicated underwriters, claims experts and risk control engineers work together to provide insurance programmes and service tailored to client needs. GC&C supports the Corporate & Commercial community worldwide through continuous development, long-term customer engagement and service excellence in an ever-changing marketplace. Expertise Customer Centric Flexibility

Generali Global Corporate & Commercial U.S.A - Assicurazioni Generali 6 GC&C draws on a worldwide network of over 1,000 professionals to offer a seamless approach towards global risks and deliver what matters to clients. With a client-centric approach, GC&C provides a comprehensive array of insurance solutions bespoke to medium and large corporate risks including: Multinational Programmes: GC&C aims to play a leading role in the multinational business arena by providing first class service to medium and large clients and by leveraging Generali s global reach. GC&C delivers comprehensive and seamless insurance offers through an unrivalled network comprising more than 100 countries. The focus on compliance, service and efficiency puts customer needs at the center of the insurance offer. GC&C s ser-vices can meet any risk management need and include captive management, loss prevention, claims management services and capital optimization. GC&C has reinforced its loyalty by building long-term relationships with clients and by helping them grow into strong multinational players. Loss Prevention: GC&C is able to provide technical consultancy on any potential risks that arise from specific activities of clients, avoiding or minimizing the negative economic consequences on their business. More than 100 experienced risk engineers operat-ing all over the world and managed by a Central Team conduct ef-fective technical evaluations and design the best solutions tailored to clients needs. GC&C s loss prevention experts visit and assess more than 5,000 plants on a yearly basis, identifying and reporting risk mitigation recommendations to our corporate partners. These services conform to the highest international standards and rely on advanced inhouse management tools for corporate risk analysis. Claim Management Services: With GC&C, clients enjoy an es-tablished worldwide network of local teams providing claims man-agement services. Dedicated teams of claims experts work with professionals across diverse functions to deliver on the promise and to meet client and intermediary s expectations. The claims teams are actively involved in the underwriting process and client-broker relations, as well as in loss prevention activities. Flexibility, proactivity and transparency prove GC&C s loyalty to its partners and ensure the longterm engagement of customers and brokers.

7 Assicurazioni Generali - Generali Global Corporate & Commercial U.S.A The Core Insurance Business DELIVERING GENERALI S GLOBAL REACH, STRENGTH AND EXPERTISE TO THE US MARKET Leveraging its knowledge and sound expertise in the global markets, GC&C provides its clients with local delivery of the best in class risk management solutions and services that clients expect of a global insurance leader. In 2015 GC&C expanded its geographical footprint into the North American market by opening a new unit headquartered in New York. GC&C USA provides North American customers with high value service proposition aligned with local access to the full range of Generali s global expertise, capabilities and network resources. Providing customers with long-lasting flexible insurance and assistance solutions lies at the very heart of our business. After more than 180 years, we are still thriving and committed to support Corporate clients worldwide through continuous development, long-term customers engagement and delivery of excellence in an ever-changing marketplace. A team of high caliber underwriting talent with recognized market experience and sound expertise will provide: Disciplined and flexible underwriting approach Specialized products for targeted market and customer segments High quality pre & post bind service levels An initial focus on Generali s competencies in: Multinational Property Insurance Construction and Builders Risk International Casualty and Casualty Package Solutions Property: Substantial global capacity available on an All risk basis Flexibility in attachment point and policy wordings Broad appetite for range of property occupancies including real estate, manufacturing, consumer goods, financial institutions Experienced, disciplined yet collaborative underwriting approach Over 100 risk engineers around the world Casualty: Highly experienced underwriters are able to offer tailored program solutions when and where it matters Assured responsiveness. Our customers expectations are consistently met or exceeded Peace of Mind doing business outside of the U.S.A.. We allow our customers to focus on their business providing market leading package and mono line casualty product capabilities offering comprehensive coverage and service features Significant global footprint supported by an extensive owned network to support multinational customers in the local jurisdictions of their overseas operations Construction: Leveraging the skills and scale of the group Global Construction Practice Bringing an experienced, disciplined yet collaborative underwriting approach to meet the needs of our customers Substantial capacity available Able to offer the flixibility of Admitted and Non-Admitted solutions Broad appetite but focused on infrastructure, civil projects, Public/Private initiatives Deep experience of large projects in the USA and internationally

Generali Global Corporate & Commercial U.S.A - Assicurazioni Generali 8 Corporate Social Responsibility 38% 14,7 MLN euros Donations As one of the leading international insurance and financial groups, Generali is at the centre of interests and expectations of a multitude of stakeholders: shareholders and investors, customers, workforce, sales force, contractual partners, organizations, institutions and local communities. 2009 introduction of a Group Environmental Management System that meets ISO 14001 standards RESOURCES ALLOCATED TO THE COMMUNITY 2010 adoption of the Group Ethical Guidelines for Investments 2011 issue of the Group Ethical Code for suppliers 2012 adoption of the new Group Code of Conduct 2013 approval of the Group Charter of Sustainability Commitments by the Board of Directors In 2013, the group allocated 38 million to the community. 62% 22,8 MLN euros Commercial Initiatives GENERALI IS INCLUDED IN THE FOLLOWING ETHICAL INDEXES: NYSE Euronext Vigeo World 120 ECPI Ethical Global & Euro Equity FTSE 4Good FTSE ECPI Italia SRI MSCI Global Sustainability Indexes MSCI Global SRI Indexes STOXX Global ESG Leaders STOXX Europe Sustainability ESI Excellence Global Ethibel EXCELLENCE Register CDP Global 500 CPL AND RECEIVED THE FOLLOWING ESG RATING: Prime C+ (Oekom Research)

Chris Carnicelli Chairman US Branch Tel. +1 212 602 7642 chris_carnicelli@generaliusa.com Jose Menendez COO & Head of Distribution Management Tel. +1 212 602 7638 jose_menendez@generaliusa.com Bill Skapof Chief Underwriting Officer Tel. +1 212 602 7679 bill_skapof@generaliusa.com Warren Berey Senior Vice President Foreign Casualty Tel. +1 212 602 7709 warren_berey@generaliusa.com Andrew Sims Senior Vice President Property & Construction Tel. +1 212 602 7627 andrew_sims@generaliusa.com Katherine Longsworth Vice President Property Tel. +1 212 602 7655 katherine_longsworth@generaliusa.com