Insurance & Risk Management Along & Across Latin America RiskCo Ltd. Insurance & Risk Management Along & Across Latin America www.riskconet.com

AGENDA What is RiskCo Ltd. ? RiskCo Ltd. Philosophy. RiskCo Ltd. Advantages. Services Rendered by RiskCo Ltd. RiskCo Ltd. Market Practices. Board & RiskCo Ltd. Facts & Figures. Directory & Country Information. www.riskconet.com ­Copyright RiskCo Ltd. 2013

A TRULY CUSTOMER ORIENTED ORGANIZATION. WHAT IS RISKCO LTD. ? RiskCo Ltd. is the first and most important Independent Insurance Broker Network in Latin America. RiskCo Ltd., incorporated in Bahamas, is the only Network based on an equity partnership which offers services by direct and formal correspondent offices from Tijuana to Ushuaia. Prestige, Experience, International Operational Standards, Cutting Edge IT Systems, Distribution of Regional Programs and Local Service Action, have created a unique combination for the benefit of our clients. A TRULY CUSTOMER ORIENTED ORGANIZATION. www.riskconet.com ­Copyright RiskCo Ltd. 2013

MISSION VISION VALUES www.riskconet.com To be the Latin American Insurance Gateway formed by the best Independent Insurance Brokers, focusing on the desires, needs and preferences of our clients, implementing High End Risk Management Programs across the region. VISION To continue to be the leading and most professional Independent Insurance Broker Network in Latin America. VALUES Ethics Experience Service Quality Transparency Loyalty www.riskconet.com ­Copyright RiskCo Ltd. 2013

RISKCO LTD. ADVANTAGES Our philosophy brings forth the close relationship that each partner has among all partners. This unique relationship provides for great advantage, which warranties a Unique Service Standard as each office acts as a branch of the Broker where our clients have their Headquarters. In order to optimize the treatment and evolution of risks we maintain a permanent presence with each of our clients. As a fully independent Network we have the freedom and flexibility to operate with the most adequate markets that meet the client's real needs. The result: excellent coordination & communication. In RiskCo Ltd. we do not report to New York, Chicago or London, we report in a transparent way to our Clients & Associated Brokers. www.riskconet.com ­Copyright RiskCo Ltd. 2013

SERVICES RENDERED Operating with the principal International, Regional and Local Insurers, RiskCo Ltd. offers its clients a complete Risk Management and Insurance Brokerage facility focusing on all phases of Asset protection, Income, Results and Liabilities. The intervention of an Integrated Network such as RiskCo will not increase the risk transfer cost, it will optimize it; the scales of economies will be achieved by a standardized professional approach for the treatment of risk. www.riskconet.com ­Copyright RiskCo Ltd. 2013

SERVICES RENDERED www.riskconet.com Risk / Loss Control Prevention. Risk Inspections and Surveys. Integrated Risk Management Analysis. Local Optimal Support for International / Regional Insurance Programs. Taylor Made Design of Coverage Conditions for each Particular Case. Technical Assistance in the Asset Valuation System. Insurance Limits Updating. Set-Up of Sophisticated Employee Benefits and related Services. Insurance Audits. Mergers & Acquisitions Practice Formation & Administration of Affinity Groups. Claims Administration / TPA / Statistics & RMIS software. “One Stop Shop” Insurance Brokerage. Advice, Start Up & Administration of “Captives”. Facultative Reinsurance Support. www.riskconet.com ­Copyright RiskCo Ltd. 2013

SPECIALIZED PRACTICES PROPERTY (Industrial & Commercial Risks) CASUALTY (Industrial & Commercial Risks) LIABILITY (General / Products / Employers / Professional) MARINE CARGO (Import / Export / Domestic) MARINE HULL (Fishing Vessels / Yachts / Commercial) AVIATION (Commercial / Executive / Helicopters / Operators / Pilots) EMPLOYEE BENEFITS (Life / Health / Pools /Personal Accident / Travel /Pension) CONSTRUCTION – COMMERCIAL – INFRA-STRUCTURE - BOT PROJECTS D & O BONDS & CREDIT EXTENDED WARRANTY CELL PHONE REPLACEMENT PROGRAM CORPORATE RISK MANAGEMENT OIL & GAS (Upstream, Downstream & Equipment) SPECIAL RISKS (Jewelers Block / Contingency / Sports / Fine Arts / Kidnapping) www.riskconet.com ­Copyright RiskCo Ltd. 2013

HIGHLY SPECIALIZED RISKS GENERAL MANUFACTURING Chemical / Petrochemical / Pharma Food / Beverages Iron Steel / Metallurgic Auto Parts Textile Household Products ENERGY - ELECTRICITY Generation Transport Distribution OIL & GAS Upstream – Onshore / Offshore - Well Control Equipment Downstream INFRASTRUCTURE PROJECTS & PUBLIC SERVICES TELECOMMUNICATION www.riskconet.com ­Copyright RiskCo Ltd. 2013

RISK PROFILE www.riskconet.com Cement & construction materials Exports of fresh fruits Hotels / tourism / leisure Banks & financial institutions Logistic & distribution Mining Shopping malls & supermarkets Auto dealers (renting & leasing) Trucks fleets with regional exposure Port authorities, stevedores Airports / handling services Security & armored service companies Professional mal praxis Contingency & prizes High end risk engineering www.riskconet.com ­Copyright RiskCo Ltd. 2013

www.riskconet.com RiskCo Coordination Office Key Contact Web Site 25 de Mayo 596 :: 3rd. Floor C1002ABL :: Buenos Aires Argentina Phone: +54 11 5275 7400 Fax: +54 11 5275 7444 e-mail: info@riskconet.com Key Contact Nélida Casillas de Dalimier nelida.casillas@riskconet.com Web Site www.riskconet.com RiskCo Ltd. Key Facts & Figures Established in 2002 (RIMS New Orleans) 10 Shareholders and 8 Correspondents + 40 offices in the region + 1.300 experienced professionals in 18 Countries Almost US$ 800.000.000.- in premiums +700 Multinational / Regional Programs under Administration www.riskconet.com ­Copyright RiskCo Ltd. 2013

Board of Directors 2012 - 2014 General Secretary Ricardo J. Rosenthal Chairman & CEO Renato Lilienfeld Enrique Acevedo Schwabe Vice Chairman COO Pablo L. Lorant CIO Rafael Avilés Ledergerber CFO Christian Blaser Director Sergio Hilgert Stavros Costarangos Diego Fernandez Ameglio Jaime Gabel Andrés Morales Carbo General Secretary Nélida Casillas de Dalimier www.riskconet.com ­Copyright RiskCo Ltd. 2013

ARGENTINA www.riskconet.com MAKLER S.A. CONTACTS 25 de Mayo 596 - 3rd. Floor C1002ABL - Buenos Aires - Argentina phone: +54 11 5275 7400 Fax: +54 11 5275 7444 e-mail: info@maklerseguros.com.ar web: www.maklerseguros.com CONTACTS Ricardo J. Rosenthal ricardo.rosenthal@riskconet.com Margarita Allen margarita.allen@riskconet.com Timothy Maitland Heriot tim.maitland@riskconet.com Patricia I. Poilischer patricia.poilischer@riskconet.com Andrés Rothenberger andres.rothenberger@riskconet.com Ariel M. Van Oostveldt ariel.vanoostveldt@riskconet.com PREMIUMS US$ 74.100.000 HEAD COUNT 60+ OFFICES 2 www.riskconet.com ­Copyright RiskCo Ltd. 2013

BOLIVIA www.riskconet.com KIEFFER & ASOCIADOS S.A. CONTACTS Av. 6 de Agosto No. 2919 (San Jorge) La Paz - Bolivia phone: +59 12 243 3434 fax: +59 12 243 1469 web: www.kieffer-asociados.com.bo CONTACTS Gonzalo Kieffer Guzmán gonzalo.kieffer@riskconet.com Michelle Kieffer Rodriguez michelle.kieffer@riskconet.com PREMIUMS US$ 32.000.000 HEAD COUNT 100+ OFFICES 3 www.riskconet.com ­Copyright RiskCo Ltd. 2013

BRAZIL www.riskconet.com EuroAmerica ­Copyright RiskCo Ltd. 2013 Rua Joaquim Floriano, 100 - 8º andar CEP 04534-000 São Paulo – SP – Brasil phone: +55 11 3165 4811 fax: +55 11 3079 1421 web: www.euroseg.com.br CONTACTS Sergio Hilgert sergio.hilgert@riskconet.com Robert Sarkis robert.sarkis@riskconet.com Raquel Radomile raquel.radomile@riskconet.com PREMIUMS US$ 100.000.000 HEAD COUNT 80+ OFFICES 1 www.riskconet.com ­Copyright RiskCo Ltd. 2013

CHILE www.riskconet.com LILIENFELD CORREDORES DE SEGUROS CONTACTS Antonio Bellet 77 of. 301 Providencia – Santiago – Chile – ZIP 750 0025 phone: +56 2 757 4300 fax: +56 2 757 4360 web: www.lilienfeld.cl CONTACTS Renato Lilienfeld renato.lilienfeld@riskconet.com Laura Bustamante laura.bustamente@riskconet.com PREMIUMS US$ 25.300.000 HEAD COUNT 30+ OFFICES 1 www.riskconet.com ­Copyright RiskCo Ltd. 2013

COLOMBIA www.riskconet.com CORRECOL ­Copyright RiskCo Ltd. 2013 Calle 93 A Nro. 11-36 – 4th. Floor Santa Fe de Bogotá - Colombia phone: +57 1 530 0053 fax: +57 1 530 8495 web: www.correcol.com CONTACTS Juan M. Acevedo juan.acevedo@riskconet.com Enrique Acevedo enrique.acevedo@riskconet.com PREMIUMS US$ 100.000.000 HEAD COUNT 200 OFFICES 7 www.riskconet.com ­Copyright RiskCo Ltd. 2013

COSTA RICA www.riskconet.com GLOBAL SEGUROS LTDA. Los Yoses, Calle 37 Av. 10 y 12 Apartado 1718-2050 San José - Costa Rica phone: +506 2225 5444 fax: +506 2224 2671 web: www.globalseguroscr.com CONTACT José Salgado Segura jose.salgado@riskconet.com PREMIUMS US$ 2.050.000 HEAD COUNT 9 OFFICES 1 www.riskconet.com ­Copyright RiskCo Ltd. 2013

DOMINICAN REPUBLIC www.riskconet.com FRANCO FERNANDEZ & ASOC. S.A. Edifício V & M, 2nd. Floor Jacinto I. Mañon Nr. 48 Santo Domingo Dominican Republic phone: +1-809-549-7003 fax: +1-809-541-7007 web: www.francofernandez.com CONTACTS Juan Franco Fernandez franco.fernandez@riskconet.com PREMIUMS US$ 12.000.000 HEAD COUNT 30+ OFFICES 3 www.riskconet.com ­Copyright RiskCo Ltd. 2013

ECUADOR www.riskconet.com ECUAPRIMAS Ltd. ­Copyright RiskCo Ltd. 2013 Av. Carlos Julio Arosemena Km. 2 1/2 Guayaquil - Ecuador phone: +59 3 (4) 220 9333        fax: +59 3 (4) 220 8122 web: www.ecuaprimas.com CONTACTS Andrés Morales Carbo andres.morales@riskconet.com Rafael Aviles Ledergerber rafael.aviles@riskconet.com PREMIUMS US$ 60.300.000 HEAD COUNT 200+ OFFICES 5 www.riskconet.com ­Copyright RiskCo Ltd. 2013

GUATEMALA www.riskconet.com CONSEGUROS S.A. 2ª. Avenida 11 8-48 Zona 9, Nivel 2, Guatemala, C.A. 01009 Guatemala phone: +502 2429 8801 Voice IP 1 786 206 1414 web: www.conseguros.com.gt CONTACT Mario Triay mario.triay@riskconet.com PREMIUMS US$ 4.500.000 HEAD COUNT 14 OFFICES 1 www.riskconet.com ­Copyright RiskCo Ltd. 2013

MEXICO www.riskconet.com LORANT MMS ­Copyright RiskCo Ltd. 2013 Emerson No. 316-302 Col. Chapultepec Morales C.P. 11570, Miguel Hidalgo, México, D.F. phone: +52 55 3093 6777 fax: +52 55 3093 6888 web: www.lorantmms.com CONTACTS Tomás Lorant tomas.lorant@riskconet.com Pablo Lorant pablo.lorant@riskconet.com PREMIUMS US$ 213.600.000 HEAD COUNT 280+ OFFICES 9 www.riskconet.com ­Copyright RiskCo Ltd. 2013

NICARAGUA www.riskconet.com CORREDURIA R&M ­Copyright RiskCo Ltd. 2013 Camino de Oriente Modulo B-2 Managua Nicaragua phone: +505-2278-7971 fax: +505-2278-7925 CONTACT Rodrigo Robelo rodrigo.robelo@riskconet.com PREMIUMS US$ 3.200.000 HEAD COUNT 9 OFFICES 1 www.riskconet.com ­Copyright RiskCo Ltd. 2013

PANAMA www.riskconet.com PADECO SEGUROS ­Copyright RiskCo Ltd. 2013 Calle Guatemala, El Cangrejo Plaza Dorchester, Planta Baja Panamá, República de Panamá phone: +507 263-0000 fax: +507 215-2215 web: www.padecoseguros.com CONTACTS Stavros Costarangos stavros.costarangos@riskconet.com David Perez david.perez@riskconet.com PREMIUMS US$ 15.000.000 HEAD COUNT 39 OFFICES 1 www.riskconet.com ­Copyright RiskCo Ltd. 2013

PARAGUAY www.riskconet.com MUJICA SEGUROS ­Copyright RiskCo Ltd. 2013 Nuestra Señora de la Asunción No. 1295 – esquina Lugano 1261 - Asunción Paraguay Phone / fax: +595-21-497 042 web: www.mujicaseguros.com CONTACTS Tito Mujica tito.mujica@riskconet.com PREMIUMS US$ 3.600.000 HEAD COUNT 11 OFFICES 1 www.riskconet.com ­Copyright RiskCo Ltd. 2013

PERU www.riskconet.com GABEL SEGUROS ­Copyright RiskCo Ltd. 2013 Av. Javier Prado Oeste  N° 2344 San Isidro Lima - Perú phone: +51-1-460-9090 fax: +51-1-261-4138 web: www.gabelseguros.com.pe CONTACTS Jaime Gabel jaime.gabel@riskconet.com Rubén Gabel ruben.gabel@riskconet.com PREMIUMS US$ 26.500.000 HEAD COUNT 55 OFFICES 1 www.riskconet.com ­Copyright RiskCo Ltd. 2013

URUGUAY www.riskconet.com MAKLER ROU S.A. ­Copyright RiskCo Ltd. 2013 Plaza Independencia 822 – Suíte 1102 Montevideo Uruguay phone: +59 82 902-0058 fax: +59 82 902-0074 web: www.maklerseguros.com CONTACT Diego Fernandez Ameglio diego.fernandez@riskconet.com PREMIUMS US$ 2.800.000 HEAD COUNT 10 OFFICES 1 www.riskconet.com ­Copyright RiskCo Ltd. 2013

VENEZUELA www.riskconet.com ASEGURE S.A. ­Copyright RiskCo Ltd. 2013 Edificio Oficentro San Bernardino - Caracas Venezuela phone: +58-212-507-0444 fax: +58-212-576-8358 web: www.asegure.com CONTACTS Herbert Abaecherli herbert.abaecherli@riskconet.com Christian Blaser christian.blaser@riskconet.com PREMIUMS US$ 60.400.000 HEAD COUNT 80+ OFFICES 2 www.riskconet.com ­Copyright RiskCo Ltd. 2013

HONDURAS www.riskconet.com CORREDURÍA INTERNACIONAL DE SEGUROS Colonia Alameda, Edificio Cruz Segundo nivel Tegucigalpa, Honduras. phone: +504 2232 2676 web: www.sidseguros.com CONTACTS Olban Valladares olban.valladaresm@riskconet.com PREMIUMS US$ 9.500.000 HEAD COUNT 48 OFFICES 2 www.riskconet.com ­Copyright RiskCo Ltd. 2013

EL SALVADOR www.riskconet.com CONSULTORES DE SEGUROS S.A. Calle El Mirador # 5335  Colonia Escalón, San Salvador El Salvador, C.A. phone: +503 2133 4999 Fax: +503 2133 4960 web: www.consegsal.com.sv CONTACTS Ernesto Cano ernesto.cano@riskconet.com PREMIUMS US$ 4.500.000 HEAD COUNT 13 OFFICES 1 www.riskconet.com ­Copyright RiskCo Ltd. 2013