1. AHT Insurance - Overview Presented By: David Turkaleski Director of International Programs October 15, 2015 WBN Conference – Budapest, Hungary

2. AHT History Armfield, Harrison, and Thomas Insurance (AHT) Founded in 1921 Full Service Consulting Firm Independent Agency ESOP (Employee Stock Ownership Plan) Locations Chicago Seattle San Francisco New York Washington, DC

3. Board of Directors Alexander Green, Chairman of the Board David Schaefer, President & CEO Katherine Armfield, COO George Forrester, Head of Manufacturing Practice Mark Ganley, Head of Technology Practice Ned Sander, Head of Global Practice Steve Uno, Head of Employee Benefits Practice Average tenure is 21 years with AHT.

4. Industry Recognition US Nationally recognized brokerage in the insurance industry: Business Insurance — Recognized as one of the “100 Largest Brokers of U.S. Business” Business Insurance — Recognized as a “Best Place to Work in Insurance” Independent Insurance Agents & Brokers of America (Big “I”) — Recognized as a “Best Practices Agency” Insurance Journal — Recognized as one of the “Top 100 Independent Property and Casualty Agencies” National Underwriter — Named the “Champion” of the 2009 Agency Technology Achievement Awards U.S. Congress — Asked to testify on behalf of government contractors and technology industry interests before the U.S. House, Senate and Office of Management and Budget

5. What We Provide Key Niches Technology Life Science Manufacturing Nonprofits US Government Contractors Financial Institutions International companies with no Risk Manager

6. Our Approach to Risk Phase 1: Operational Establish time lines, discuss unique client needs, review client contracts, source local brokers Phase 2: Investigate Discuss risk management approach, interview key stakeholders, obtain underwriting information, review the organizations legal structure and review safety & security plans Phase 3: Program Design & Marketing Identify compulsory coverage, specific local exposures, determine coverage needs, ensure program is compliant and send to markets. Phase 4: Implementation Bind the coverage, notify local partner of what to expect from the local carrier, review service level expectations, follow up w/ local partner to ensure coverage has been issued. Phase 5: Service Set up service schedule, check in thought the policy term and start renewal 120 days out.

7. Global Risk What we do: Customized property and casualty & employee benefit solutions around the world Clients on 6 continents with operations in over 164 counties Global risk management services centered around global safety & security management with a focus on duty of care The Team: Ned Sander, ARM, Principal, Senior Vice President –Global Practice Leader Jenni Bickerstaff, Principal, Senior Vice President –Global Benefits Practice Leader David Turkaleski, Director of International Programs Joe Gleason, Director, Risk Management A staff of licensed and trained global insurance professionals Market Access: Access to all major global insurance carriers Lloyds of London market access via appointed Lloyds Brokers

8. Manufacturing What we do: Customized risk assessment and design safety programs Comprehensive services including: –product safety –loss control –risk management and automation tools –prompt and complete administrative services –periodic written program reviews The Team: George Forrester, CIC, Principal, Senior Vice President –Manufacturing Practice Leader Jamie Madonna, Principal, Senior Vice President Donna Blanco, CIC, Vice President of Client Services Brandon Boynton, GBDS, Senior Vice President, Employee Benefits Jon Arnold, Managing Director, AHT Midwest

9. Technology What we do: Guidance on which risks to insure and how to reduce exposures to loss Founding member of TechAssure, an organization of independent technology risk and insurance advisors worldwide ( http://www.techassure.com )http://www.techassure.com The Team: Mark Ganley, RPLU, CRM, Principal, Senior Vice President –Technology Practice Leader –Past Chairman of TechAssure David Schaefer, RPLU, CPCU, President and CEO –East Coast Technology Practice Leader –Past Chairman of TechAssure Brent D’agostino, Principal, Senior Vice President, Employee Benefits

10. Nonprofits What we do: Risk management programs to minimize claims and control risk exposures Experienced specialists working with more than 1,500 nonprofit organizations as Clients. Hosted seminars and educational resources provided to clients Target Clients: –International NGOs –museums –private schools –professional societies –research organizations –social service organizations –trade associations The Team: Derek Symer, CPCU, Principal, Senior Vice President –Nonprofit Practice Leader Patti Loftis, CIC, Vice President of Client services

11. Questions & Discussion Thank you for the opportunity to join the WBN and contribute to mutual success