1. ACE USA ACE Complete The Complete Solution to Small Business Workers’ Compensation

2. ACE USA What is ACE Complete? Dynamic Real Time Web Interface for Workers’ Compensation Qualify, Quote and Bind Coverage On Line  Eligibility Determined Immediately  Instantaneous Quotes  Immediate Coverage Confirmation / Binding Backed by ACE USA’s A+ Financial Strength Broad Underwriting Appetite Commission Paid at Inception Supported by ESIS Claims and Risk Control Underwriting and Training Support Dedicated to your Region Multiple Company Tiers and Pricing at Point of Sale Will Consider Program Business for Specialist Producers Responsive and Easy to Use  Six Screens to Quote  First Time User Will Quote a Typical Account in Less Than Five Minutes

3. ACE USA The ACE Complete Difference Appetite  Broad Palette of Eligible Classes  Manufacturing  Construction  Service  Transportation  Wholesale  Retail  Most States Have Over 300 Eligible Class Codes  Multi – State Coverage Available  Available in 36 states and 9 additional states on a restricted basis  Start Up Businesses are Eligible Small to Medium Size Employers  Premium range 2,000 – 150,000 (Min may vary by state)  Experience mods.60 to 1.80 (Maximum may vary by state)

4. ACE USA ACE Complete Claims Service Dedicated Regional Adjusters, accustomed to the needs of small to medium sized employers On Line Access to Claims Information (Available to Our Business Partners) Convenience of reporting by toll free number Phone contact made to employer, employee and provider within 24 hours on lost time claims Telephonic case management based on standard criteria (e.g. backs, shoulders, necks, hands and discretionary claims)

5. ACE USA The ACE Complete Advantage Cost Savings ESIS Expo – “A network within a network”  Physicians within our PPO are ranked based on average costs and duration of treatment  Claims kits include Expo providers in posting panels First Script Pharmacy Program  Efficient and effective drug utilization review  Prescription Drugs represent 13.4% of medical costs  12% savings in drug costs achieved via this initiative Triggers  Alerts to claims representative and case nurses based on certain criteria  Claims management triggers (e.g. number of physical therapy treatments or number of chiropractic visits) Superior service and effective communications means favorable outcomes

6. ACE USA The ACE Complete Difference Underwriting and Training Support Fred Innes - Mgr 302 476-6927 fred.innes@acegroup.com Eastern Region RI WV VA PA NY NJ ME CT MA NH MD VT DE DC*

7. ACE USA The ACE Complete Difference Underwriting and Training Support Mike Beck – Mgr 312 775-3119 mike.beck@acegroup.com Midwest Region ND SD NE KS MO IA MN WI IL KY IN MI OH

8. ACE USA The ACE Complete Difference Underwriting and Training Support George McDonald – Mgr 678 795-4381 george.mcdonald@acegroup.com Southern Region NM TX OK LA AR MSAL FL GA SC NC TN

9. ACE USA The ACE Complete Difference Underwriting and Training Support Tom Glock – Mgr 720 228-4169 tom.glock@acegroup.com Western Region CACA OR WA AZ ID NV UT MT WY CO AK HI

10. ACE USA ACE Complete Ideal Producer Characteristics Generalist Focus on Small to Medium Sized Risks Geographical Territory Compatible with ACE Complete State Strategy Minimum $10 Million Guaranteed Cost Workers’ Comp Volume in the Agency Dedicated On Line Marketing Team (or Willingness to Create Such Position) Willing to Negotiate a Volume Commitment Previous or Current Experience with Other On Line Markets Prefers the Line Expertise and Market Stability of a Specialty Carrier over the Convenience of One Stop Shopping. Workers Comp Risk Management Practices Imbedded in Agency Culture High Retention Ratio

11. ACE USA ACE Complete Ideal Characteristics of Program Business Producer Specialization in the Class An Existing Book of WC Business with Measurable Performance Unique Leverage to Obtain the Business A Selection Strategy that Clearly Favors the Average and Better Exposure Characteristics within the Class Class Lends Itself to Control of Key Exposures to Loss Limited Competitors