1. "Raising business efficiency and customer services standards in automotive claims: an Eastern Europe example" Focus countries: Romania, Poland, Russia Dr. Richard J. Nathschlaeger Tashkent, April 15, 2011

2. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Solera – a Global Company with a strong focus on Central & Eastern Europe

3. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Solera – the only global provider of claims management solutions  Leading global provider of estimating software and services to the automobile insurance claims processing industry -US$558 million in revenue in FYE 30/6/09 -63% of revenue generated in EMEA; 37% in the Americas  Number 1 or 2 position in every market we serve  Our clients have included each of the 10 largest European and North American auto insurers  Founded in 1966, with a presence in 53 countries and approximately 2,200 full- time employees  Over 72,000 customers including: -1,500 automobile insurance carriers -36,000 collision repair facilities -7,000 independent assessors -29,000 automotive recyclers and dealers

4. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa The World of Solera AUTOonline’s business model complement well Solera’s operations in 53 countries across 6 continents Solera Countries

5. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Central and Eastern Europe (CEE) in the Solera World Audatex GAS SAN DIEGO, CA Audatex CEE Audatex North-America VIENNA, AUSTRIA MINDEN, GERMANY Solera SAN DIEGO, CA Audatex UISA READING, UK ABZ ZEIST, NETHERLANDS AX Ibero - America SAO PAOLO, BR Audatex BEFIG BRUSSELS, BELGIUM TOKYO, JAPAN Audatex-APAC AX Ibero-America

6. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa “If you can find a path with no obstacles, it probably doesn’t lead anywhere.” - Frank A. Clark

7. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Countries in CEE

8. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Audatex – CEE in 2011 AT- 1969 PL-1997 HU-1994 SK-2004 BY RU-2003 CZ-1994 RO-2005 EE LV RS Sl HR BA MD TR-2008 UA-2004 LT-2009

9. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Market Development Audatex in Central and Eastern Europe Voice of our customer Big 5 insurers go CEE Allianz, AXA, Generali, Uniqa, VIG Manufacturers go CEE VW, Dacia-Renault, Kia, Hyundai, Peugeot High economic growth region Demand for electronic workflow partner Customers have quality expectations Audatex CEE Objectives Meet and exceed customer expectations Respond to dynamic market developments Expedite global knowledge, local focus AX-CEE: Facts & Figures HQ in Vienna 100 employees in the region Regional product development capabilities Opportunity:Action:

10. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Market facts - Romania Population: 21 mill. GDP/capita: € 5.510 Car park: ~ 5 mill. Insurance related claims: 0.85 mill % of insured vehicles: 85 %

11. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Market dynamics - Romania The repair market is dominated by Dacia – Renault repair facilities as a result of their dominance in the car parc In the field of motor claims the insurers play a dominant role which was strengthened even more during the last couple of years of economic crisis Insurers enforce labour rates and parts price conditions through contracts However, steering is still in initial phases and true approved repairer networks are just starting to be developed The introduction of a standard estimating tool increased the transparency

12. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Example Audatex – a true benefit for the Romanian Market In 2006 the market started accepting electronic estimating systems with: Importer / manufacturer recommended part prices Labour times based on manufacturer guidelines Manufacturer based painting Today, 9 out of the TOP 10 insurers require/accept a standardised Audatex estimate from the repairers based on manufacturer information in order to approve a repair Repair costs were thus reduced by 15%-20 % In return insurers guarantee jobs to repairers using Audatex – some shops could increase their insurance driven business by up to 50 % Now both sides go for further process automation in the motor claims business to reduce process waste and waiting times

13. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Market facts - Poland Population: 38 mill. GDP/capita: € 9.187 Car park: 17,8 mill. Insurance related claims: 1,9 mill % of insured vehicles: 99 %

14. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Market dynamics - Poland Approximately 2,500 repair facilities service about 80% of the repairable motor claims volume The top 5 insurers control more than 70% of the motor insurance business Insurers rely on the dealers for policy sales for new cars Price war on the policy side forced insurers to focus on the process and severity control and thus look for closer ties with the repairers In the last 2-4 years concrete steps towards steering and building of approved repairer networks can be observed

15. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Market standards – Poland Electronic repair estimating systems provided by Audatex and Eurotax have been a standard in Poland for more than 10 years OEM parts prices are provided by the importers and are a standard for the country The average repair estimate has been relatively stable except for a dip of about 10% in 2008 and the first half of 2009 but recovered to the level of about 5,100 PLN. There are standards which contribute to efficiency and customer satisfaction

16. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Market facts - Russia Population: 140 mill. GDP/capita: € 12.000 Car park: 34 mill. Insurance related claims: 7,5 mill % of insured vehicles: 95 %

17. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa The financial crisis of 2008/9 brought a shift in the market dynamics Motor claims repairs came into the focus of everyone The Repairers Repairs became a major source of revenue Repair waiting times decreased to 3-6 weeks Established closer relations with the insurers Began using mutually accepted independent estimating tools to establish a “common language” Focused on automating the workflow to get faster approvals and reduce waiting times

18. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa The financial crisis of 2008/9 brought a shift in the market dynamics The Insurers Drive to establish a “common language” with the repairers based on market realities Part prices Repair times and methodology Painting This allows for shift of repairs to independent shops and reduction of the number of disagreements Centralization of claims processing standardizes the process and reduces the probability of fraud Automation of the workflow with the repairers based on structured data instead of physical or electronic “paper” is expected to bring major enhancements to customer service and process efficiency

19. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Market trends towards increasing efficiency and customer satisfaction – Russia We observe several trends Majority of insurers are transitioning to official electronic repair cost estimating tools Interest is growing towards importer recommended part prices Manufacturer labour times are getting broad acceptance Work is going on to determine acceptable painting methodology Importers and insurers are strengthening relationships in the claims area Preferred repair networks and steering are emerging There is a realized need for process automation based on structured data rather than shuffling paper (be it physical or electronic)

20. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Summary and Outlook

21. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Drive to increase efficency and customer satisfaction CEE is behind Western countries in terms of clear standards. Major steps to be taken are: Adoption of a standard estimating tool Management of labour times, local part prices and painting standards Development of approved repairer networks and introduction of steering Automation of the repair process between Work Providers and Repairers

22. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Audatex will continue to invest in Eastern Europe & CIS How is Audatex contributing to this improvement ? Audatex has established teams in each country Our teams focus on process optimisation for each client We provide expertise to all countries in the region We are excited by the opportunity to share our global knowledge to assist in the transition to higher standards and increased customer satisfaction in Uzbekistan

23. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa “Fortune favours the bold.” - Virgil

24. Audatex | ABZ | AUTOonline | Hollander | HPI | Informex | Inpart | Market Scan | Sidexa Solera – global knowledge, local focus Thank you