1. 1 SubroGateway Welcome to our Montreal Marine Network Night May 2004

2. 2 SubroGateway - Product & Services Key Services Fully integrated Claims Management Services. Complete Cargo Recoveries service against Transit Carriers and Bailees, including Warehouse Operators and Port Authorities on a strict “no cure, no pay” basis. Additional Services Claims Settling services to numerous Insurers, Logistics Professionals and Captives. Marine Casualty Management services on behalf of Cargo and Marine Liability interests. Co-ordination of physical Risk Management services and risk analysis supported by our SQL database

3. 3 SubroGateway - Your Support (Value Proposition) What are your clients needs? What can we do for you? What are your clients needs? What can we do for you? Introduce SubroGateway to clients that may require Claims Management Services as a result of: Introduce SubroGateway to clients that may require Claims Management Services as a result of: – an increase in policy deductibles (particularly valuable for logistics companies where there are exposures as agent and principal) –the introduction of an Annual Aggregate Deductible into the programme. –a decision to self-insure Cargo or other exposures –a casualty requiring GA, Salvage or Collision Services. –Clients with a need for relational reporting applications to analysis client and carrier risk and results –Markets in wind-up or run off

4. 4 SubroGateway Insurer’s Benefits Running off a product or exiting a particular venue - reallocate both capital and personnel to those areas where they can be most effective. Meeting operating goals and objectives. - an opportunity to accelerate claims recovery. Quarterly and year-end positioning. provides Insurance Carriers with another means for financially managing and achieving desired financial results. Carriers in capital difficulty.

5. 5 SubroGateway - Key Strengths The ability to provide a Global Claims network to manage claims and recoveries for Clients The ability to provide a Global Claims network to manage claims and recoveries for Clients Detailed knowledge of all major transportation Contracts and International conventions Detailed knowledge of all major transportation Contracts and International conventions Global resource of 38 Specialists Global resource of 38 Specialists Aggressive Case Management Aggressive Case Management Non-selective on size of recoveries Non-selective on size of recoveries

6. 6 SubroGateway - SubroGateway Canada Operational Issues All enquiries will initially be reviewed to allow: –d–d–d–detailed analysis of the scope of work required –i–i–i–identification of the resource required to provide the service. –c–c–c–consistency of approach, product and service delivery. All business opportunities will be reviewed and a full report of projected results will be made available shortly after receipt of files.

7. 7 SubroGateway for Underwriters SubroGateway offers a “No Cure – No Pay” claims recovery solution SubroGateway offers a “No Cure – No Pay” claims recovery solution Regular reports in a sortable and searchable format Regular reports in a sortable and searchable format Quarterly narratives commenting on trends in your business along with recent Geo-economic and legal developments Quarterly narratives commenting on trends in your business along with recent Geo-economic and legal developments E-business project consultants E-business project consultants Knowledge network design and Project Management Knowledge network design and Project Management

8. 8 SubroGateway for Underwriters Premium collections under the Marine Insurance Act Premium collections under the Marine Insurance Act Insurance Institute accredited in-house lectures Insurance Institute accredited in-house lectures E-business project consultants E-business project consultants Bespoke Marine Insurance Systems consulting Bespoke Marine Insurance Systems consulting Claims workflow Project Management Claims workflow Project Management Knowledge network design and Project Management Knowledge network design and Project Management

9. 9 SubroGateway For Logistics Professionals Do your clients have deductibles? Do your clients have deductibles? Send them to SubroGateway Do you have unpaid freight? Do you have unpaid freight? Do you have a lien on cargo? Do you have a lien on cargo? Are your liability claims a learning experience? Are your liability claims a learning experience? Is your documentation current? Is your documentation current? E-business project consultants E-business project consultants Knowledge network design and Project Management Knowledge network design and Project Management SubroGateway are the experts you need!

10. 10 SubroGateway For Logistics Professionals You have liability claims. You have liability claims. You need systems. You need systems. You need loss prevention. You need loss prevention. You need to distance yourself from bad news. You need to distance yourself from bad news. You need experts. You need experts. Think SubroGateway

11. 11 SubroGateway for Insurance Brokers Are your clients deductibles going up? Are your clients deductibles going up? Do you need help collecting un-paid premiums? Do you need help collecting un-paid premiums? Do your staff require extra broker credits? Do your staff require extra broker credits? SubroGateway is here to help

12. 12 SubroGateway for Importers & Exporters Recovery of your Deductible and Unpaid Claims Recovery of your Deductible and Unpaid Claims Insurance Coverage Consulting Insurance Coverage Consulting Risk Management / Loss Prevention Risk Management / Loss Prevention Export Credit Export Credit Review of Terms of Sale Review of Terms of Sale E-business Project Consultants E-business Project Consultants Improve your margins with SubroGateway

13. 13 SubroGateway Documentation SubroGateway Documentation Commercial invoice /packing list Commercial invoice /packing list Ocean bill of lading Ocean bill of lading Freight forwarders bill of lading Freight forwarders bill of lading Notice of intent against carriers Notice of intent against carriers Warehouse delivery receipts Warehouse delivery receipts Truckers delivery receipts Truckers delivery receipts Survey report Survey report Subrogation receipt Subrogation receipt Police reports Police reports Talley sheets Talley sheets Laboratory analysis Laboratory analysis Salvage information Salvage information Destruction certificates Destruction certificates Any tranist requirements Any tranist requirements Correspondence exchanged with carriers Correspondence exchanged with carriers Certifications of origin /inspection Certifications of origin /inspection

14. 14 SubroGateway - Why Bother? Claims staff “process recovery” early Claims staff “process recovery” early Improved cash flow Improved cash flow Underwriters write superior risks Underwriters write superior risks Rates up! Cover cut back! Deductible up! Rates up! Cover cut back! Deductible up! So what? Now what? So what? Now what? Demands on capital Demands on capital Large technology investments Large technology investments Do your people have the skill set Do your people have the skill set Offer Solutions. Offer Solutions.

15. 15 SubroGateway - Remuneration Claims Management Services are charged as follows: Claims Management Services are charged as follows: –Fee Per File, or –Hourly Rate based on recorded time and expense Recoveries are charged at a percentage of amount recovered, on a sliding scale -- STRICTLY NO CURE, NO PAY Recoveries are charged at a percentage of amount recovered, on a sliding scale -- STRICTLY NO CURE, NO PAY Third Party Fees incurred are for the account of the client Third Party Fees incurred are for the account of the client Third Party Fees are only incurred with the expressed authority of the client Third Party Fees are only incurred with the expressed authority of the client

16. 16 SubroGateway - Summary Utilising SubroGateway offers access to: Utilising SubroGateway offers access to: –A single point of contact for the provision of a global service. –A well resourced and experienced operation. –A quality, flexible and cost effective service. –A quality Claims Management system and reporting capabilities.