1. © Copyright 2008 2012 Audatex Turkey Global Knowledge, Local Focus. AUDATEX Turkey March 5, 2012

2. Audatex Turkey – Çağrı Akın – Cagri.Akin@audatex.com.tr Pareto Principle_The Solera Way 80/20 Rule – 80% of the claims are generated by 20% of the population. Focus critical time on understanding large claims dynamics 20 % of customers destroy value.

3. Audatex Turkey – Çağrı Akın – Cagri.Akin@audatex.com.tr 3 Customer segmentation Cumulative contribution to value added 0% 20 40 60 80 100 120 140 160 180 200% 0% 20406080100% Percentage of customers Good customers at risk Managing actively ‘Up or out?’ 20% destroy value 30% generate 150% of value 50% don’t create value

4. Audatex Turkey – Çağrı Akın – Cagri.Akin@audatex.com.tr Pricing cycle Adequate Pricing Inadequate Pricing Adequate pricing brings profits and increased surplus. Flush with surplus, competitive pressure leads to decreasing prices. Inadequate pricing leads to net losses and decreased surplus. Low surplus constrains writings; prices rise because supply cannot meet demand. Adequate Surplus Indequate Surplus

5. Audatex Turkey – Çağrı Akın – Cagri.Akin@audatex.com.tr 5 Price optimisation process claim propensity models competitive market analysis customer behaviour models optimisation new premiums constraints customer value models

6. Audatex Turkey – Çağrı Akın – Cagri.Akin@audatex.com.tr How do you manage your risk? Underwriter Policy/Client Combined Ratio

7. Audatex Turkey – Çağrı Akın – Cagri.Akin@audatex.com.tr Insured Profile Vehicle History Claims Mgt RecoveryClose Business Intelligence Integrating structured data Vehicle Info Electronic inspection Rules Check, Communication Cash settlement File closureRecovery Customer demographics Underwriting

8. Audatex Turkey – Çağrı Akın – Cagri.Akin@audatex.com.tr Identifying risks Fleunce Business Line Fleunce Extreme Line Diff (%) Insured Sum43,800 TL46,500 TL 6 % MOD1,810 TL1,765 TL-2 % Spare Part Total1,700 TL3,400 TL50 % With Foglight W/O Foglight

9. Audatex Turkey – Çağrı Akın – Cagri.Akin@audatex.com.tr CASE 1.- (Part replacement) Current labour rate: £30.00 per hour Spare part price: £200.00 Replacement time: 2 hours Labour Cost: 2 X £30 £60.00 Total Cost to Insurer£260.00 Parts Margin for repairer: £200 X 20% £40.00 Labour margin (Gross Profit) £60.00 X 64%£38.40 Total gross benefit for repairer £78.40 CASE 2.- (Part repair) New labour rate: £35.00 per hour Part repair time: 4 hours Total cost for insurer: 4 x £35 £140 Labour margin (Gross Profit) £140.00 X 64% £89.60 Insurer Saves £120.00 Repairer Gross margin Increase of £11.20 over 14% Can more be less

10. Audatex Turkey – Çağrı Akın – Cagri.Akin@audatex.com.tr Penalties for Poor Data Loss of competitiveness Higher reinsurance costs Unfavourable rating agency assessments Loss of investor confidence

11. Audatex Turkey – Çağrı Akın – Cagri.Akin@audatex.com.tr Rewarding Robust Data Quality Competitive advantage Improved pricing for insurance Discounted premium for reinsurance Visible Management of Enterprise Risk Credibility with rating agencies Investor confidence

12. Audatex Turkey – Çağrı Akın – Cagri.Akin@audatex.com.tr Summary Timely, actionable information allows the claim to move forward more quickly and nimbly. This enables us to manage our loss ratio effectively. Forward thinking insurers will transform their underwriting approach, intergrating the valuable information gathered from claims handling.To realize this, the data is available by teaming up with the right partners.

13. Audatex Turkey – Çağrı Akın – Cagri.Akin@audatex.com.tr Thank You Istanbul, March 5, 2012 Çağrı AKIN Managing Director at Audatex, Turkey c.akin@autoonline.com.tr Tel +90 (0) 216 554 65 00 www.autoonline.com.tr