1. Ursuline Foley, CIO XLRe June 19 th 2008 eCommerce – Making it Happen !

2. © 2007 X.L. America, Inc.Page 2 _17-Sep-15 Agenda  What has XLRe Implemented ?  Where is XLRe eCommerce Capable ?  What is XLRe’s production volume ?  How did XLRe start Implementing ?  Implementation Phases  Business Feedback  Questions

3. © 2007 X.L. America, Inc.Page 3 _17-Sep-15 What Has XL Re Implemented ?, Claims Trading Partners 1 Ceding Company 4 Brokers Xchanging ACORD RLC Facultative Placing Technical Account Settlement Claim Movement LIRMA Signing Settlement Claims

4. © 2007 X.L. America, Inc.Page 4 _17-Sep-15 Where is XLRe eCommerce Capable ?

5. © 2007 X.L. America, Inc.Page 5 _17-Sep-15 What is XLRe’s Production Volume ?

6. © 2007 X.L. America, Inc.Page 6 _17-Sep-15 How did XLRe start Implementing? How did we start ? — Obtain Executive buy-in (awareness to opportunities & industry involvement) — Find those 1 -2 business sponsors that “Believe” — Business engaged in ACORD meetings, meetings with Trading Partners — I.T. took lead in setting up infrastructure to test “Rip & Tear” mode — Partnered with 1 forgiving Trading Partner to work with your schedule — Designed eCommerce Architecture — In Parallel prepare internal systems for integration (internal systems must be ready !) Where did we start ? — Forgiving Trading partner – for us it was a Broker ! — Accounting – viewed as the foundation message, easiest to start with — Provided opportunities for savings for both Trading Partners — Set us up for the Cash Settlement message (most savings potential ) ! — Claims process considered more complex and our internal systems were not ready for integration at that time ! Our Journey !........

7. © 2007 X.L. America, Inc.Page 7 _17-Sep-15 Implementation Steps “Rip & Tear” Phase — Joint Trading Partner meetings with business and I.T. to share knowledge — Setup XLRe eCommerce communication infrastructure — Worked with eCommerce vendor to map ACORD RLC messages to Translator — XLRe set about creating eCommerce database with print capabilities (Style sheets) — XLRe I.T. reviewed printed test messages & compared to actual business — Repeated process, communicating with Trading Partner until quality message is received — XLRe I.T. engaged business in print message review “Integration” Phase — Reviewed internal business process to determine integration “comfort level” — Business required flexibility; Trading partner profile, contract level, full /partial integration — Electronic workflow needed to queue messages for business user processing — Mapped test messages to XLRe’s internal system — Determine I.T. integration architecture strategy, also impact to existing system — Determine error handling, balancing, auditing — Build & Test  Implement Cautiously (preloading data entry screens prior to posting) — Once business confidence develops  Turn on automated posting — Once confidence develops, increase automation

8. © 2007 X.L. America, Inc.Page 8 _17-Sep-15 Implementation – Europe Goal; To leverage Xchanging capabilities for European business — Established technical capabilities to process Xchanging message — Partnered with a vendor to convert Xchanging message to ACORD — Trained users on business process flow based on utilizing message — Selected a sample of contracts to test for accounting and settlement — Worked closely with Xchanging for testing — Business compared message content to manual statements — Went to production 2007 — Currently business testing the Xchanging Claim message for use with European business …..Driven by CEO Sponsorship !

9. © 2007 X.L. America, Inc.Page 9 _17-Sep-15 Business Benefits Achieved, Per Paul Burke Controller XLRe America — Accuracy in processing and cash settlement — Elimination of paper files — Reduction in cash suspense due to automatic cash settlement processing — Headcount realignment from processing accounts to more detailed analysis and special projects — Significant reduction in managers account approval review XL Re business Feedback - Finance

10. © 2007 X.L. America, Inc.Page 10 _17-Sep-15 XL Re business Feedback - Claims Attributed Success to; — Commitment of broker partners to reduce the monstrous paper volume and labor intensive reinsurance claim reporting & billing — Our global eClaims system with workflow, enabled messages to pre-populate and “tee-up” claims reserving and payments for review and approval Benefits; — Claim Professionals freed up to focus on Exposure Monitoring — XLRe Estimated Reduction of 77,000 sheets of paper received & filed annually — 5-10 parties per contract, market savings could be 385,000 to 750,000 annually — Includes savings in mail room admin, filing, physical storage, routing & access — Electronic documents, liberates the claim process by providing flexible access globally & provides choices in obtaining processing efficiencies (Offshore/Outsourcing) “XLRA see EDI as an essential way of supporting our broker partners while permitting us to reap tremendous savings in efficiency, accuracy and job satisfaction for our people at every level” Dave Hughes, SVP XLRA Claims

11. © 2007 X.L. America, Inc.Page 11 _17-Sep-15 XLRe – Embracing eCommerce Operationally Questions ?

12. Ursuline Foley, CIO XLRe June 19 th 2008 eCommerce – Making it Happen !