1. Regional Watch FOR MANAGING AGENTS AND BROKERS International Markets Market Intelligence June 2010 What info is Available to you 1 How to use Regional Watch 2

2. 1 What information is Available to you Summary of what we currently cover in Regional Watch > Asia Pacific > Latin America > North America > Europe > IMEA > Level of information How to use Regional Watch 2 Content This document explains what information is available to you and how to use Regional Watch. > Download:www.lloyds.com/regionalwatchwww.lloyds.com/regionalwatch > Questions: marketintelligence@lloyds.commarketintelligence@lloyds.com Where and how to access Regional Watch > ACCESS How to navigate Regional Watch > Navigation Click Box to navigate Each region has a number of available Regional Watches > Japan > China

3. CLASS OF BUSINESS Intelligence of business classes in a territory which can range from high-level and detailed overview of premiums, loss ratios and growth drivers to basic news stories regarding a particular business class. DISTRIBUTION Intelligence of distribution in a territory which can range from high-level and detailed overview of core strengths and weaknesses of brokers to basic news stories regarding a broker. COMPETITION Intelligence of competitors in a territory which can range from detailed overview of core strengths and weaknesses to low level info such as basic news stories regarding a competitor. Regional Watch has different LEVELS OF INFORMATION, which are exemplified by the matrix below. About Regional Watch This is a tool for managing agents and brokers detailing market intelligence on Lloyd's key market development territories. The dashboards contain up-to-date soft and hard intelligence on the insurance environment at different levels of detail. > Download:www.lloyds.com/regionalwatchwww.lloyds.com/regionalwatch > Questions: marketintelligence@lloyds.commarketintelligence@lloyds.com MICRO LEVEL MESO LEVEL MACRO LEVEL DETAILS SUMMARY OVERVIEW Back To > Content IN MARKET RESEARCH DESK-BASED RESEARCH AD HOC RESEARCH

4. COMPETITIONBUSINESS CLASSDISTRIBUTION Level of information Detail IN MARKET RESEARCH SUMMARY DESK BASED RESEARCH Overview AD HOC RESEARCH Europe (1 of 3) Download at: www.lloyds.com/regionalwatch > Europewww.lloyds.com/regionalwatch Market Intelligence Account Manager: Filip Wuebbeler > filip.wuebbeler@lloyds.comfilip.wuebbeler@lloyds.com MONTHLY UPDATES All top-50 economies with type 3 or 4 office, or significant market development priority for Lloyd’s QUARTERLY UPDATES Other top-50 economies or where Lloyd’s has some business interests ANNUAL UPDATES Annual update, unless significant event in territory. MONTHLY UPDATES BROKER VERSION Netherlands > Large Markets NO Germany > Germany NO France > France NO Poland > Poland Sweden > Nordic Markets NO Finland > Nordic Markets NO Austria > Eastern Markets NO Denmark > Large Markets NO MARKET PRESENTATION Norway > Nordic Markets NO YES Back To > Content

5. COMPETITIONBUSINESS CLASSDISTRIBUTION Level of information Detail IN MARKET RESEARCH SUMMARY DESK BASED RESEARCH Overview AD HOC RESEARCH MONTHLY UPDATES All top-50 economies with type 3 or 4 office, or significant market development priority for Lloyd’s QUARTERLY UPDATES Other top-50 economies or where Lloyd’s has some business interests ANNUAL UPDATES Annual update, unless significant event in territory. MONTHLY UPDATES BROKER VERSION Switzerland > Large Markets NO Russia > Russia YESNO MARKET PRESENTATION COMPETITIONBUSINESS CLASSDISTRIBUTION QUARTERLY UPDATES Turkey > Small Markets NO Belgium > Small Markets NO Greece > Small Markets NO Israel > Small Markets NO BROKER VERSION MARKET PRESENTATION Europe (2 of 3) Download at: www.lloyds.com/regionalwatch > Europewww.lloyds.com/regionalwatch Market Intelligence Account Manager: Alex Milne > alex.milne@lloyds.comalex.milne@lloyds.com Back To > Content

6. COMPETITIONBUSINESS CLASSDISTRIBUTION Level of information Detail IN MARKET RESEARCH SUMMARY DESK BASED RESEARCH Overview AD HOC RESEARCH MONTHLY UPDATES All top-50 economies with type 3 or 4 office, or significant market development priority for Lloyd’s QUARTERLY UPDATES Other top-50 economies or where Lloyd’s has some business interests ANNUAL UPDATES Annual update, unless significant event in territory. MONTHLY UPDATES BROKER VERSION Italy > Large Markets NO Spain > Large Markets NOYES MARKET PRESENTATION COMPETITIONBUSINESS CLASSDISTRIBUTION QUARTERLY UPDATES Portugal > Small Markets NO BROKER VERSION MARKET PRESENTATION Europe (3 of 3) Download at: www.lloyds.com/regionalwatch > Europewww.lloyds.com/regionalwatch Market Intelligence Account Manager: Bruno Davila > bruno.davila@lloyds.combruno.davila@lloyds.com COMPETITIONBUSINESS CLASSDISTRIBUTION MONTHLY UPDATES BROKER VERSION MARKET PRESENTATION Download at: www.lloyds.com/regionalwatch > Europewww.lloyds.com/regionalwatch Market Intelligence Account Manager: Govind Ratnam > govind.ratnam@lloyds.comgovind.ratnam@lloyds.com Ireland > Ireland NOYES Back To > Content

7. COMPETITIONBUSINESS CLASSDISTRIBUTION Level of information Detail IN MARKET RESEARCH SUMMARY DESK BASED RESEARCH Overview AD HOC RESEARCH North America (1 of 3) Download at: www.lloyds.com/regionalwatch > North Americawww.lloyds.com/regionalwatch Market Intelligence Account Manager: Bruno Davila > bruno.davila@lloyds.combruno.davila@lloyds.com MONTHLY UPDATES All top-50 economies with type 3 or 4 office, or significant market development priority for Lloyd’s QUARTERLY UPDATES Other top-50 economies or where Lloyd’s has some business interests ANNUAL UPDATES Annual update, unless significant event in territory. MONTHLY UPDATES US California > NO US Texas > NO LLOYD’S ONLY Florida > US NO LLOYD’S ONLY Illinois > US NO NONELLOYD’S ONLY New York > US NO LLOYD’S ONLY NO COMPETITIONBUSINESS CLASSDISTRIBUTION MONTHLY UPDATES US US Surplus Lines Total > NO Kentucky > US NO NONELLOYD’S ONLY BROKER VERSION MARKET PRESENTATION BROKER VERSION MARKET PRESENTATION Back To > Content

8. Level of information Detail IN MARKET RESEARCH SUMMARY DESK BASED RESEARCH Overview AD HOC RESEARCH North America (2 of 3) Download at: www.lloyds.com/regionalwatch > North Americawww.lloyds.com/regionalwatch Market Intelligence Account Manager: Bruno Davila > bruno.davila@lloyds.combruno.davila@lloyds.com MONTHLY UPDATES All top-50 economies with type 3 or 4 office, or significant market development priority for Lloyd’s QUARTERLY UPDATES Other top-50 economies or where Lloyd’s has some business interests ANNUAL UPDATES Annual update, unless significant event in territory. COMPETITIONBUSINESS CLASSDISTRIBUTION QUARTERLY UPDATES Pennsylvania US NO NONELLOYD’S ONLY New Jersey US NO NONELLOYD’S ONLY Georgia > US NO NONELLOYD’S ONLY Louisiana > US NO NONELLOYD’S ONLY South Carolina > US NO NONELLOYD’S ONLY BROKER VERSION MARKET PRESENTATION Back To > Content

9. Level of information Detail IN MARKET RESEARCH SUMMARY DESK BASED RESEARCH Overview AD HOC RESEARCH North America (3 of 3) Download at: www.lloyds.com/regionalwatch > North Americawww.lloyds.com/regionalwatch Market Intelligence Account Manager: Bruno Davila > bruno.davila@lloyds.combruno.davila@lloyds.com MONTHLY UPDATES All top-50 economies with type 3 or 4 office, or significant market development priority for Lloyd’s QUARTERLY UPDATES Other top-50 economies or where Lloyd’s has some business interests ANNUAL UPDATES Annual update, unless significant event in territory. COMPETITIONBUSINESS CLASSDISTRIBUTION MONTHLY UPDATES Ontario > Canada NO British Columbia > Canada NO LLOYD’S ONLY Alberta > Canada NO LLOYD’S ONLY Quebec > Canada NO LLOYD’S ONLY NO COMPETITIONBUSINESS CLASSDISTRIBUTION MONTHLY UPDATES Canada Total > Canada NO LLOYD’S ONLY BROKER VERSION MARKET PRESENTATION YES Back To > Content

10. COMPETITIONBUSINESS CLASSDISTRIBUTION Level of information Detail IN MARKET RESEARCH SUMMARY DESK BASED RESEARCH Overview AD HOC RESEARCH Asia Pacific (1 of 2) Download at: www.lloyds.com/regionalwatch > Asia Pacificwww.lloyds.com/regionalwatch Market Intelligence Account Manager: Govind Ratnam > govind.ratnam@lloyds.comgovind.ratnam@lloyds.com MONTHLY UPDATES All top-50 economies with type 3 or 4 office, or significant market development priority for Lloyd’s QUARTERLY UPDATES Other top-50 economies or where Lloyd’s has some business interests ANNUAL UPDATES Annual update, unless significant event in territory. MONTHLY UPDATES China China > NO Japan Japan > NO Singapore > Singapore NO Australia > Australasia YESNO Hong Kong SAR > Hong Kong NO QUARTERLY UPDATES COMPETITIONBUSINESS CLASSDISTRIBUTION Vietnam > Emerging Markets NO South Korea > Emerging Markets NO BROKER VERSION MARKET PRESENTATION BROKER VERSION MARKET PRESENTATION YES Back To > Content

11. COMPETITIONBUSINESS CLASSDISTRIBUTION Level of information Detail IN MARKET RESEARCH SUMMARY DESK BASED RESEARCH Overview AD HOC RESEARCH Asia Pacific (2 of 2) Download at: www.lloyds.com/regionalwatch > Asia Pacificwww.lloyds.com/regionalwatch Market Intelligence Account Manager: Govind Ratnam > govind.ratnam@lloyds.comgovind.ratnam@lloyds.com MONTHLY UPDATES All top-50 economies with type 3 or 4 office, or significant market development priority for Lloyd’s QUARTERLY UPDATES Other top-50 economies or where Lloyd’s has some business interests ANNUAL UPDATES Annual update, unless significant event in territory. ANNUAL UPDATES Indonesia > Emerging Markets NO Taiwan > Emerging Markets NO Thailand > Emerging Markets NO Malaysia > Emerging Markets NO Philippines > Emerging Markets NO New Zealand > Australasia NO Macau > Emerging Markets NO NONELLOYD’S ONLY BROKER VERSION MARKET PRESENTATION Back To > Content

12. COMPETITIONBUSINESS CLASSDISTRIBUTION Level of information Detail IN MARKET RESEARCH SUMMARY DESK BASED RESEARCH Overview AD HOC RESEARCH Latin America Download at: www.lloyds.com/regionalwatch > Latin Americawww.lloyds.com/regionalwatch Market Intelligence Account Manager: Bruno Davila > bruno.davila@lloyds.combruno.davila@lloyds.com MONTHLY UPDATES All top-50 economies with type 3 or 4 office, or significant market development priority for Lloyd’s QUARTERLY UPDATES Other top-50 economies or where Lloyd’s has some business interests ANNUAL UPDATES Annual update, unless significant event in territory. MONTHLY UPDATES Mexico Mexico > NO Brazil Brazil > COMPETITIONBUSINESS CLASSDISTRIBUTION ANNUAL UPDATES Argentina > Small Markets NO Venezuela > Small Markets NO Colombia > Small Markets NO Chile > Small Markets NO Peru > Small Markets NO BROKER VERSION MARKET PRESENTATION BROKER VERSION MARKET PRESENTATION YES Back To > Content

13. COMPETITIONBUSINESS CLASSDISTRIBUTION Level of information Detail IN MARKET RESEARCH SUMMARY DESK BASED RESEARCH Overview AD HOC RESEARCH MONTHLY UPDATES All top-50 economies with type 3 or 4 office, or significant market development priority for Lloyd’s QUARTERLY UPDATES Other top-50 economies or where Lloyd’s has some business interests ANNUAL UPDATES Annual update, unless significant event in territory. MONTHLY UPDATES South Africa > IMEA NO QUARTERLY UPDATES COMPETITIONBUSINESS CLASSDISTRIBUTION India > IMEA NO Saudi Arabia > IMEA NO UAE > IMEA NO Qatar > IMEA NO Bahrain > IMEA NO YES BROKER VERSION MARKET PRESENTATION BROKER VERSION MARKET PRESENTATION IMEA (1 of 2) Download at: www.lloyds.com/regionalwatch > IMEAwww.lloyds.com/regionalwatch Market Intelligence Account Manager: Govind Ratnam > govind.ratnam@lloyds.comgovind.ratnam@lloyds.com Download at: www.lloyds.com/regionalwatch > IMEAwww.lloyds.com/regionalwatch Market Intelligence Account Manager: Filip Wuebbeler > filip.wuebbeler@lloyds.comfilip.wuebbeler@lloyds.com Back To > Content

14. Level of information Detail IN MARKET RESEARCH SUMMARY DESK BASED RESEARCH Overview AD HOC RESEARCH IMEA (2 of 2) Download at: www.lloyds.com/regionalwatch > IMEAwww.lloyds.com/regionalwatch Market Intelligence Account Manager: Filip Wuebbeler > filip.wuebbeler@lloyds.comfilip.wuebbeler@lloyds.com MONTHLY UPDATES All top-50 economies with type 3 or 4 office, or significant market development priority for Lloyd’s QUARTERLY UPDATES Other top-50 economies or where Lloyd’s has some business interests ANNUAL UPDATES Annual update, unless significant event in territory. ANNUAL UPDATES COMPETITIONBUSINESS CLASSDISTRIBUTION Iran > IMEA NO Nigeria > IMEA NO Algeria > IMEA NO Pakistan > IMEA NO Kuwait > IMEA NO Egypt > IMEA NO Bangladesh > IMEA NO Kenya > IMEA NO Sri Lanka > IMEA NO BROKER VERSION MARKET PRESENTATION Back To > Content

15. How to use Regional Watch > ACCESS: www.lloyds.com/regionalwatchwww.lloyds.com/regionalwatch Broker Version: Brokers and Managing Agents have access to summary version which can be downloaded without a password. Managing Agent Version:Managing Agents have access to all Regional Watch dahsboards. Managing agents can obtain their password from marketintelligence@lloyds.com. marketintelligence@lloyds.com Managing Agent PASSWORD > NAVIGATION: All Regional Watch publications contain dahsboards, which are hyperlinked to more detailed information. While the format may differ from dashboard to dashboard, the navigation principle remains constant. ©Lloyd’s Foreign Insurers Dashboard Distribution Dashboard Insurance Dashboard (Re-)Insurers Dashboard Click Any Box To Navigate Shanghai Dashboard Economy Dashboard Premium Dashboard Disclaimer Macro Themes Market Premium Market Players Lloyd’s Distribution Content Lloyd’s Dashboard Click Flagto navigate to Content Glossary / Definitions Links to Info Sources Lloyd’s Data Limitations UK / China Financial Sector Stakeholders ©Lloyd’s Foreign Insurers Dashboard Distribution Dashboard Insurance Dashboard (Re-)Insurers Dashboard Click Any Box To Navigate Shanghai Dashboard Economy Dashboard Premium Dashboard Disclaimer Macro Themes Market Premium Market Players Lloyd’s Distribution Content Lloyd’s Dashboard Click Flagto navigate to Content Glossary / Definitions Links to Info Sources Lloyd’s Data Limitations UK / China Financial Sector Stakeholders CN: Economy Dashboard Disclaimer Map and regional economic output > CLICK ANY BOX FOR DETAIL Macro drivers of economy Growth sectors of economy Summary Ways of Doing business Strong economic growth amid domestic stimuli  China as anexport-driven economyis vulnerable to the external environment.  Shrinking external demand, overcapacity in some sectors, difficult business conditionsfor enterprises, rising unemployment in urban areas and greater downwardpressure on economic growth.  Stimulus to focus oninternal demand growth; tax reductions for enterprises  Series ofinterest rate cutsand other policy developments to improve business and consumer confidence. Lending has been improving, easing creditsituation.  Foreign exchange reserves of USD 1.95 trillion  Fundamentals remain strong, domestic demand to improve. China’s economic growth will depend on access to an alternative market for its exports.China to drive Asian Growth. China’s Stimulus Packageof USD 586bn:  Stimulus package with focus on infrastructure development:housing, transport and rural  Tax reformsto reduce burden on large, small and medium industries  Industry specific support forAutomotive and Steel  Support plans for the auto, steel, shipbuilding, textile and machinerymanufacturing, electronics, petrochemicals and light industry  Successiveinterest rate cutsto boost liquidity Market Intelligence based on: Berkley APEC Study Center,“Responding to the Global Crisis: Market and Nonmarket Strategies for Success”, (March 2009) Back To >Content CN: Economy Dashboard Disclaimer Map and regional economic output > CLICK ANY BOX FOR DETAIL Macro drivers of economy Growth sectors of economy Summary Ways of Doing business Strong economic growth amid domestic stimuli  China as anexport-driven economyis vulnerable to the external environment.  Shrinking external demand, overcapacity in some sectors, difficult business conditionsfor enterprises, rising unemployment in urban areas and greater downwardpressure on economic growth.  Stimulus to focus oninternal demand growth; tax reductions for enterprises  Series ofinterest rate cutsand other policy developments to improve business and consumer confidence. Lending has been improving, easing creditsituation.  Foreign exchange reserves of USD 1.95 trillion  Fundamentals remain strong, domestic demand to improve. China’s economic growth will depend on access to an alternative market for its exports.China to drive Asian Growth. China’s Stimulus Packageof USD 586bn:  Stimulus package with focus on infrastructure development:housing, transport and rural  Tax reformsto reduce burden on large, small and medium industries  Industry specific support forAutomotive and Steel  Support plans for the auto, steel, shipbuilding, textile and machinerymanufacturing, electronics, petrochemicals and light industry  Successiveinterest rate cutsto boost liquidity Market Intelligence based on: Berkley APEC Study Center,“Responding to the Global Crisis: Market and Nonmarket Strategies for Success”, (March 2009) Back To >Content Click ©Lloyd’s Energy / Resources Environment / Health Growth Sectors Ports Aviation Exports & Imports Regional GDP Per Capita Map of China Labour Force Legal / IPR Middle Class Brand Consciousness Stock Markets Currency Government Priorities Macro Indicators Business Culture ©Lloyd’s Energy / Resources Environment / Health Growth Sectors Ports Aviation Exports & Imports Regional GDP Per Capita Map of China Labour Force Legal / IPR Middle Class Brand Consciousness Stock Markets Currency Government Priorities Macro Indicators Business Culture Click Foreign Insurers Dashboard Distribution Dashboard Insurance Dashboard (Re-)Insurers Dashboard Shanghai Dashboard Economy Dashboard Premium Dashboard Lloyd’s Dashboard Click Foreign Insurers Dashboard Distribution Dashboard Insurance Dashboard (Re-)Insurers Dashboard Shanghai Dashboard Economy Dashboard Premium Dashboard Lloyd’s Dashboard Foreign Insurers Dashboard Distribution Dashboard Insurance Dashboard (Re-)Insurers Dashboard Shanghai Dashboard Economy Dashboard Foreign Insurers Dashboard Distribution Dashboard Insurance Dashboard (Re-)Insurers Dashboard Shanghai Dashboard Economy Dashboard Premium Dashboard Lloyd’s Dashboard Premium Dashboard Lloyd’s Dashboard ©Lloyd’s CN: Economy Business Culture (2 of 2) Business meetingsarepunctual.It is advisable to arrive a bit early at meetings. Negotiationsoften proceed at a slow pace and conversations may initially be very non-committal–instead of saying“yes”or“no”, more likely comments are “we will think about it”or“we will see”. You should always have yourown interpreter at any meeting, to ensure the translation is done correctly and to pick up on conversations between the opposite party. Gifts indicate a desire to establish a relationship. Gifts need not be expensive, but they shouldalways be wrappedand you shouldavoid using black or white paper. Gifts normally will not be opened in your presence. Something representative of your country or your town will be particularly appreciated. Never give a clock or white flowers, as these signify death. Never give sharp objects such as knives or scissors as they signify cutting of a relationship. Four is an unlucky number.Lucky numbers are six and eight. Learn a few simple Chinese words. This not only shows respect and interest in the Chinese language and culture, but also provides a good icebreaking topic. Try toavoid discussing political or religious topics publicly. Chinese food, places to visit and entertainment are good topics. Market Intelligence based on: British Chambers of Commerce,“The British Chamber of Commerce Shanghai”, (November 2009) Soft Intelligence Disclaimer Back To >Economy Dashboard Back To >Economy DashboardBack To >Economy Dashboard Click Back To >Content Click Back To >ContentBack To >Content All Regional Watch presentations use dashboards which lead to more information More details can be viewed in subsections by clicking: BOXES ARROWS > UNDERLINED WORDS OR To Return to the summary dashboard just click the appropriate link on the top of each slide Regional Dashboard Back To > Content

16. Disclaimer This document is intended for general information purposes only. Whilst all care has been taken to ensure the accuracy of the information Lloyd's does not accept any responsibility for any errors or omissions. Lloyd's does not accept any responsibility or liability for any loss to any person acting or refraining from action as a result of, but not limited to, any statement, fact, figure, expression of opinion or belief obtained in this document.