1. INTERNATIONAL RISK MANAGEMENT GROUP

2. ATTENTION TO DETAIL ~ ATTENTION TO YOU At International Risk Management Group (IRMG), we have the experience, knowledge and people skills to thoroughly investigate, expertly manage, and appropriately adjudicate all claims made against your company. At International Risk Management Group (IRMG), we have the experience, knowledge and people skills to thoroughly investigate, expertly manage, and appropriately adjudicate all claims made against your company. IRMG provides you with the full and complete information you need to: IRMG provides you with the full and complete information you need to: Easily identify all risk problems and questions Easily identify all risk problems and questions Properly resolve risk issues Properly resolve risk issues Clearly determine what actions to take Clearly determine what actions to take

3. ATTENTION TO DETAIL ~ ATTENTION TO YOU All IRMG professional staff managing your account ensure that your interests will be protected in every step of the process. All IRMG professional staff managing your account ensure that your interests will be protected in every step of the process. When you select IRMG you can be sure that: When you select IRMG you can be sure that: Work will be done to your specifications Work will be done to your specifications Service and personal attention will meet your needs Service and personal attention will meet your needs Concerns and worries over day-to-day activities will be a thing of the past Concerns and worries over day-to-day activities will be a thing of the past

4. ATTENTION TO DETAIL ~ ATTENTION TO YOU When it comes to your most complicated risk management liabilities, IRMG will put its reputation on the line to solve your situation. When it comes to your most complicated risk management liabilities, IRMG will put its reputation on the line to solve your situation. We are a Full Service claims facility with complete in- house correspondence and reporting capabilities. We are a Full Service claims facility with complete in- house correspondence and reporting capabilities. Each claim is adjudicated by the individual(s) within the organization with the specific expertise and experience needed to handle the claim. They are sensitive to all facets of the risk category. Every aspect of the claim is assigned to the professionals who are trained and/or licensed in these areas. Each claim is adjudicated by the individual(s) within the organization with the specific expertise and experience needed to handle the claim. They are sensitive to all facets of the risk category. Every aspect of the claim is assigned to the professionals who are trained and/or licensed in these areas.

5. CLAIMS ADMINISTRATION FEATURES: Full service claims facility Full service claims facility Complete in-house correspondence and reporting capabilities Complete in-house correspondence and reporting capabilities

6. Medical Claims Capabilities include: Detailed investigations for pre-existing conditions, material non-disclosure, application/submittal fraud, coverage duplication Detailed investigations for pre-existing conditions, material non-disclosure, application/submittal fraud, coverage duplication Full benefits coordination among insurers Full benefits coordination among insurers Complete cost-containment services through the entire review process Complete cost-containment services through the entire review process Managed care facility affiliation for catastrophic losses Managed care facility affiliation for catastrophic losses Preferred provider network access for discount re-pricing Preferred provider network access for discount re-pricing Travel assistance network for worldwide customer services Travel assistance network for worldwide customer services

7. Liability Claims Capabilities include: Defense-oriented claims handling to minimize litigation Defense-oriented claims handling to minimize litigation Early intervention to control claims and associated costs Early intervention to control claims and associated costs Claims litigation management for legal counsel effectiveness and cost control Claims litigation management for legal counsel effectiveness and cost control Local adjuster/defense counsel network to protect your interests Local adjuster/defense counsel network to protect your interests

8. Risk Management Features: Program-specific reporting procedures development and guidelines Program-specific reporting procedures development and guidelines First notification forms development First notification forms development Risk assessment and prevention Risk assessment and prevention Insured parties’ support services (e.g., waiver and release, equipment/site inspection/maintenance procedures, warning signage, operational guidelines) Insured parties’ support services (e.g., waiver and release, equipment/site inspection/maintenance procedures, warning signage, operational guidelines) Catastrophic response Catastrophic response Group risk analysis Group risk analysis Trend analysis Trend analysis Policy review and analysis Policy review and analysis

9. Systems Programs and Design Features: Client-specific database systems design Client-specific database systems design Specialized reporting Specialized reporting Detailed risk-specific analysis Detailed risk-specific analysis Trends monitoring Trends monitoring Trends analysis Trends analysis

10. Auditing Service Features: Licensed accounting and insurance professional staff Licensed accounting and insurance professional staff Claims audits Claims audits Premium audits Premium audits

11. ATTENTION TO DETAIL ~ ATTENTION TO YOU Our Services IRMG understands the delicate relationships and interactions of underwriters, brokers, agents, insureds and claimants. That is why we provide the most comprehensive array of services in the industry. IRMG understands the delicate relationships and interactions of underwriters, brokers, agents, insureds and claimants. That is why we provide the most comprehensive array of services in the industry. From claims administration and risk management, to systems design and auditing services, International Risk Management Group offers a full spectrum of professional services to assist you with all of your needs. From claims administration and risk management, to systems design and auditing services, International Risk Management Group offers a full spectrum of professional services to assist you with all of your needs.

12. Professional Partnerships: R.J. Kiln THB Group TravelersArk Heritage plc TysersCatlin

13. ATTENTION TO DETAIL ~ ATTENTION TO YOU