Presentation for Willis HRH Risk Mitigation, Inc.

Benefits for Willis HRH Risk Mitigation, Inc. Access to new information and statistics about the markets in Russia and CIS; Organization of meetings with Russian counterparts: government officials, business executives from any industry; Building relationships with the Chamber’s members. 2

3 Geography Area: 17 million sq. km. (6.5 million sq. mi.); about 1.8 times the size of the United States. Cities: Capital--Moscow (pop. 8.3 million). Other cities--St. Petersburg (4.6 million), Novosibirsk (1.4 million), Nizhniy Novgorod (1.3 million). People Population (2007 est.): million. Annual growth rate (2007 est.): % (population declining) Education (total pop.): Literacy--99.4% Health: Life expectancy (2007 est.) yrs. men, yrs. women RUSSIA

4 GDP (official exchange rate): $1.286 trillion (2007 est.) GDP - real growth rate: 8.1% (2007 est.) GDP - composition by sector: agriculture: 4.6% ; industry: 39.1% ; services: 56.3% (2007 est.) Labor force: 75.1 million (Nov est.) Investment (gross fixed): 19.4% of GDP (Jan.– Sept est.) Stock of direct foreign investment - at home: $271.6 billion (2006) Stock of direct foreign investment - abroad: $209.6 billion (2006) Russia possesses one-fifth of the world's timber reserves 3 % of foreign investments goes to the timber industry I.RUSSIAN ECONOMY

5 The Chamber: Serves as an umbrella organization for promoting trade and commerce between the USA and the Russian Federation and the CIS countries; Serves as an advocacy group for the American and Russian businesses; Over 200 corporate members in the USA, Russia, CIS and Baltic States.

6 RACC Services Advisory Services Investment consultancy, market research, implementing an effective action plan, data and information research; Representation to federal and regional administrations and representation of American investors to corporate boards of Russian counterparts; Proprietary computerized databanks of American, Russian, and CIS countries companies and individuals.

7 RACC Services (Cont.) Transactional Support Evaluate and assist in the implementation of business deals; Investment and business partner search; Assist in in gaining access to the Russian regional markets; Visa and passport services, incorporation, registration, accreditation, representation, negotiations, confidentiality, translations.

8 RACC Services (Cont.) Corporate Intelligence Background check; Corporation and corporate executives intelligence reports; Trade Show and Business Meeting Services Educational Services Language courses and cross-cultural trainings.

Current Sponsors and Clients Total number of corporate members: over 200 The Coca-Cola Company Delta Air Lines, Inc American Airlines Smith, Gambrell & Russell, LLP Delloite Gazprombank Arnall Golden Gregory LLP InterContinental Hotels Group, Rosneft The Related Group The Trump Organization etc. 9

Chamber’s Key Events International conference "Russia & WTO“; Sochi-2014 winter Olympic Games Russian Government roundtable, Ambassador reception; Delegation of Real Estate Developers & Constructors from St. Petersburg, Russia to Chicago, IL; Official visit of Belgorod government officials and corporate executives to Atlanta, GA; US-Russia Energy Conference in Houston, TX, in March of 2010; 10

Business Opportunities in Russia The market is becoming more attractive in that the authorities are planning on reducing restrictions on foreign ownership of insurance businesses. Insurance is one of the most dynamic sectors of the Russian economy today with enormous growth potential and attractive opportunities for foreign participation. Business connections with insurance companies in Russian and CIS. 11

Major Challenges Governmental restrictions The concentration of economic activity in Moscow and St Petersburg reinforces. Several of the large local players have very strong positions in the non-life segment. This is either because they have established brand names and enormous distribution networks (like the formerly state-owned giants Rosgosstrakh and Ingosstrakh) or because they can exploit corporate/share holder links.

Investment Climate in Russia According to the Economist Intelligence Unit, Russia is one of the most attractive nations for foreign investment among transitional economies. In particular, Russia is expected to become a leader in raising direct foreign investment in 2006–2010 among ex-USSR states and Eastern European countries. By the end of September 2006, cumulative foreign investments in the Russian economy came to approximately USD130 billion. 13

14 RussianAmericanChamber.com