1. INSURANCE OPERATIONSPg. 1 Insurance Designations for Career Development in Insurance Operations February 1, 2012 AAA NCNU INSURANCE EXCHANGE

2. Pg. 2 INSURANCE OPERATIONS Insurance Educational Incentives ProgramName (Level)LevelCoursesBonus ACSRAccredited Customer Service RepresentativeEntry5 (mini courses)$500 pre-tax APIAssociate in Personal InsuranceFoundation4$1,000 pre-tax AINSAssociate in General InsuranceFoundation3$1,000 pre-tax AICAssociate in Claims Intermediate - Pre CPCU 4$1,500 pre-tax CPCU Chartered Property Casualty Underwriter (Foundation) Advanced4 + Ethics$3,000 pre-tax CPCU Chartered Property Casualty Underwriter (PL Concentration/Elective) Advanced4 $2,500 pre-tax upon completion and $2,500 one year post commencement if still with AAA ARMAssociate in Risk ManagementIntermediate3$2,000 pre-tax ARM-ERMAssociate in Enterprise Risk ManagementIntermediateARM + 1$1,000 pre-tax AReAssociate in ReinsuranceAdvanced5$2,500 pre-tax SCLASenior Claims Law AssociateAdvanced 4 programs 7 courses each 28 courses total 2,500 pre-tax upon completion and $2,500 one year post commencement if still with AAA SCLA SilverSenior Claim Law AssociateAdvanced 5 programs 7 courses each 35 courses total $2,500 pre-tax upon completion and $2,500 one year post commencement if still with AAA SCLA GoldSenior Claim AssociateAdvanced 6 programs 7 courses each 42 courses total $2,500 pre-tax upon completion and $2,500 one year post commencement if still with AAA CSRP Certified Subrogation Recovery Professional Advanced 2 programs, 14 courses total $2,500 pre-tax upon completion and $2,500 one year post commencement if still with AAA

3. Pg. 3 INSURANCE OPERATIONS In addition to the bonus, employees who complete their full CPCU designation will also receive a paid trip for two to the national CPCU conference. Books, Course and First Test will be paid by AAA. AAA will pay for the first test. If you fail, you will be reimbursed for one exam once it has been passed. Courses may be self-study or classroom. If enough interest classes may be arranged on site. You may be enrolled in one class at time.

4. Pg. 4 Designation Descriptions ProgramNameDescription ACSRAccredited Customer Service Representative  Enhance profitability by managing a better book of business and avoiding E & O claims, with a more comprehensive knowledge of insurance products.  Increase ability to cross sell products with a thorough understanding of client needs.  Improve overall staff efficiency with an increased confidence in capabilities and knowledge.  Develop customer loyalty by demonstrating higher levels of professionalism and customer service. AINSAssociate in General Insurance  Enhance effectiveness with a sold understanding of personal property and liability insurance principles and practices.  Improve performance by understanding how to balance increasing customer expectations in products and services with insurer needs for profit and expense control. APIAssociate in Personal Insurance  Enhance effectiveness with a sold understanding of personal property and liability insurance principles and practices.  Improve performance by understanding how to balance increasing customer expectations in products and services with insurer needs for profit and expense control. AICAssociate in Claims  Reduce time and costs by improving technical claims handling skills.  Improve customer satisfaction and retention with communication and negotiation skills.  Help avoid costly lawsuits by learning good faith claim handling.  Reduce costs associated with coverage disputes by gaining in depth policy knowledge. CPCUChartered Property Casualty Underwriter  Improve effectiveness by relating risk management and insurance principals to everyday practice.  Handle complex commercial property and personal loss exposures with advanced technical knowledge.  Increase effectiveness and positively affect overall operations with increased understanding of how different functional areas interact with and relate to each other. ARMAssociate in Risk Management  Enhance contribution to organization ’ s value by acquiring skills needed to develop effective and thorough risk assessments.  Increase participation in risk control programs through better understanding of staff motivation.  Support the organization ’ s overall financial goals by learning to build and implement a balance risk financing strategy using retention, transfer, and hybrids. ARM-ERMAssociate in Enterprise Risk Management  Case Study AReAssociate in Reinsurance  Enhance your ability to build a better book of business through an expanded knowledge of commercial coverage forms and endorsements as well as of auto insurance and homeowner ’ s contracts and endorsements.  Be able to design a reinsurance program by gaining advance coverage knowledge and financial risk management skills. SCLASenior Claim Law Associate  Improve effectiveness by relating risk management and insurance principals to everyday practice.  Handle complex commercial property and personal loss exposures with advanced technical knowledge.  Increase effectiveness and positively affect overall operations with increased understanding of how different functional areas interact with and relate to each other.

5. Pg. 5 INSURANCE OPERATIONS Guidelines for Participation  Complete Individual Development Plan with your Manager.  Decide which coursework to begin.  With approval from Manager, order your books, materials and test fee online at designations respective websites below:  CPCU, ACSR, SINS, API, AIC, ARM, ARM-ERM, ARe http://www.aicpcu.org/http://www.aicpcu.org/  SCLA, SCLA Silver & Gold http://aeiclaimslaw.com/ http://aeiclaimslaw.com/  CRSP https://www.subrogation.org/csrp.aspx  Expense report utilizing “education” account.  Select testing window and schedule your testing date/time  Books can be donated to a common library, so others can reference or borrow.  When specific level is obtained for Bonus payout, appropriate documentation of satisfactory completion should be submitted to immediate manager. Your immediate manager will submit payment request.

6. Pg. 6 INSURANCE OPERATIONS Appendix

7. INSURANCE OPERATIONSPg. 7 Accredited Customer Service Representative

8. Pg. 8 INSURANCE OPERATIONS Associate of Personal Insurance

9. INSURANCE OPERATIONSPg. 9 Associate in General Insurance

10. INSURANCE OPERATIONSPg. 10 Associate in Claims

11. INSURANCE OPERATIONSPg. 11 Chartered Property and Casualty Underwriter

12. INSURANCE OPERATIONSPg. 12 CPCU (continued)

13. INSURANCE OPERATIONSPg. 13 Associate in Risk Management (and ARM-E)

14. INSURANCE OPERATIONSPg. 14 Associate in Reinsurance

15. INSURANCE OPERATIONSPg. 15 American Educational Institute - Senior Claims Law Associate - http://www.aeiclaimslaw.com/

16. INSURANCE OPERATIONSPg. 16 Exams & Professional Designations http://www.aeiclaimslaw.com/

17. INSURANCE OPERATIONSPg. 17 SCLA Awards - Silver and Gold

18. INSURANCE OPERATIONSPg. 18 https://www.subrogation.org/csrp.aspx

19. INSURANCE OPERATIONSPg. 19 https://www.subrogation.org/csrp.aspx

20. INSURANCE OPERATIONSPg. 20 https://www.subrogation.org/csrp.aspx

21. INSURANCE OPERATIONSPg. 21 The Certified Subrogation Recovery Professional (CSRP)® designation is the professional designation for subrogation professionals. It is a statement that those possessing the designation have met stringent, academic and experience requirements and have agreed to be bound by the Code of Professional Ethics of Certified Subrogation Recovery Professionals. Industry developments wait for no man or woman, so plan this year to learn all there is to learn in our field and demonstrate that mastery to your colleagues. If you don't, how will you contribute to your team, your department and your company in a way that will set you above the rest? In its debut year of 2004, 118 subrogation professionals received the CSRP designation. Over 680 individuals have studied, passed the exam and are now CSRP designees. Won't you join them? The course text, Subrogation Recovery: Principles and Practices, is the most comprehensive work on subrogation available and is only available through NASP's CSRP program. Matriculate now, receive your Course Text and Study Guide and prepare to take the exam. CSRP Designation Requirements & Information Academic Requirements All candidates must pass a comprehensive examination on a variety of subrogation related topics that are covered in the course text, Subrogation Recovery: Principles and Practices. The course text is a compilation of knowledge of many subrogation professionals who have worked long and hard to create the most complete text on subrogation available. The exam covers 14 topics, including: Subrogation and the Insurance Industry Legal Liability Products Liability Investigation and Evidence Collision Subrogation Property Subrogation Workers' Compensation Subrogation No Fault and Medical Payments Subrogation Healthcare Subrogation Miscellaneous Forms of Subrogation Dispute Resolution Subrogation Management Information Technology Recovery Service Providers https://www.subrogation.org/csrp.aspx