The Capterra team, combined, has over seventy years of experience in strategic planning and designing of captive insurance programs.

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1 Overview: Capterra Risk Solutions, LLC is an alternative risk insurance consultant and licensed captive manager in both onshore and offshore captive jurisdictions. The team members are equipped with solid underwriting, reinsurance and claims handling experience, as well as backgrounds in accounting and finance. Capterra partners with legal experts, auditing and tax firms, investment advisors, bankers, and actuarial analysts on a national level to provide a comprehensive approach to captive Our Connection with You: Capterra builds deep relationships and connections with each of its clients. You are assigned a team of experts, led by your Account Executive to ensure your questions and needs are being served by a single consistent team. Capterra Experience - Our Approach: Designing and managing a captive insurance program for any business can be a complex and time consuming series of steps. Capterra Risk Solutions, LLC has developed a comprehensive, proven approach to meet the strategic needs of its clients through this process of successfully creating, implementing, and operating captives. We call it the Capterra Experience. It aims to ensure both an efficient movement through the steps of creating a captive insurance company and also delivers strategic guidance, compliance, a high level of accuracy, and provides ongoing stewardship. The client-focused stewardship process not only holds us accountable to run an efficient and effective captive operation for our clients but also provides a framework for setting and achieving annual objectives, all the while maximizing the many benefits of owning your own captive. The Capterra team, combined, has over seventy years of experience in strategic planning and designing of captive insurance programs. Our approach has stood the test of time having been applied to creating and managing captives over many years. The benefit to you is a proven, efficient process that achieves your objectives Grant Street,

2 Our Services: As a licensed Captive Consultant & Manager in both onshore and offshore domiciles, our role is to ensure a compliant captive program. Captive Design Life Cycle Our services include: Consulting & Feasibility Analysis Formation & Licensure Corporate Governance Financial Services Support Regulatory Compliance & Oversight Insurance Management Services Underwriting Technicians & Policy Issuance Analytical Program Performance Analysis Reinsurance Placement Reinsurance Claims Advocacy & Contract Review Benefits of Captive Insurance: A properly structured and managed captive insurance company could provide the following benefits: Establishes a platform to enhance risk management and facilitate best practice risk management procedures Provides coverage & capacity for difficult risks Protects assets and reserves Potential profit center Enables flexibility & control over claims & coverage Enables long-term cost stability through market cycles Grant Street,

3 OUR EXPERT TEAM Sandra L. Fenters President Edward A. Aiello Captive Consultant & Compliance Officer Alyssa N. Kaczmarek Executive Assistant Stefanie Cellitti Assistant Controller Bill Eleamos Fiscal Officer

4 Sandra Fenters is the President of Capterra Risk Solutions, LLC, working with entrepreneurs of closely held businesses, private equity firms, public entities, and not-for-profit organizations who seek to capture profits within their organizations by implementing solid risk management and loss prevention techniques. The firm specializes in creating alternative risk transfer (ART) mechanisms and captive insurance companies. Sandra L. Fenters President Fenters and her team provide captive management and consulting services for captive formations of all types including pure single parent, group arrangements, and association captives. The firm manages captives both within the United States and international and is typically engaged to provide feasibility studies, business plan development, corporate governance, and underwriting services. Additionally, the firm works with entrepreneurs and their trusted advisors in the areas of captive insurance planning, asset protection, and wealth transfer and preservation. Fenters began her insurance career with a large international insurance company as a surety underwriter. Her experience spans multiple disciplines including surety, professional liability, commercial liability and high net worth personal lines insurance. Fenters has authored numerous articles on captive insurance and was faculty for The University of Delaware s Captive Program. Fenters is a graduate of Allegheny College and holds a Bachelor of Arts in Political Science and a Bachelor of Arts in English. She is also a graduate of The University of Pittsburgh Graduate School of Business Institute for Entrepreneurial Excellence, Fellows Class of 2010.

5 As the Executive Assistant of the Company, Alyssa is responsible for supporting Sandra L. Fenters, President, and the Capterra Risk Solutions, LLC staff in all captive management services for selfinsured arrangements, captive formations, and other alternative mechanisms for procurement of insurance and risk management services. Alyssa N. Kaczmarek Executive Assistant Prior to joining Capterra, Alyssa was the Constituent Relations Manager for the Alzheimer s Association Greater Pennsylvania Chapter, responsible for raising funds and awareness for the Association in 13 Counties in Southwestern Pennsylvania. While with the Alzheimer s Association, Alyssa built relationships with a number of professionals within the Pittsburgh Business Community and surrounding areas. Alyssa began her career with United States Steel Corporation in the Community Affairs and Foundation Departments where she kept records of all grant proposals for executive staff review, managed the administrative functions of two departments and worked on projects to enhance the image of US Steel. Alyssa holds an Associates Degree in Specialized Business. In the past, Alyssa has been a member of the Association of Fundraising Professionals (AFP), Westmoreland County Chamber of Commerce, and the Johnstown Chamber of Commerce.

6 Bill Eleamos is the Fiscal Officer of Capterra Risk Solutions, LLC responsible for the day-to-day accounting functions of all captive insurance companies under He is the link between the captive s financial accounting functions and the captive s third party financial auditors and tax advisors. He reports to the regulatory bodies of all domiciles to insure that each captive is in good standing and compliance with specific domicile requirements. Bill Eleamos Fiscal Officer beleamos@capterrarisk.com

7 Edward A. Aiello is the Captive Consultant & Compliance Officer of Capterra Risk Solutions, LLC. In his role as the Compliance Officer, Ed is responsible for the annual compliance plan, compliance policies & procedures manual, codes of conduct, documentation of responses to alleged or suspected violations, remediation plans, reviewing & testing systems & controls, documenting compliance management, monitoring marketing, and monitoring capital & solvency requirements of the Captives. Ed provides training to the captive company boards and management team on compliance and corporate governance. Edward A. Aiello Captive Consultant & Compliance Officer As a retired Vice President of Global Insurance for H.J. Heinz, Ed brings with him a distinguished forty-three year career where he held many positions in Finance and Treasury. While at Heinz, Ed was responsible for the establishment and administration of both direct writing and reinsurance captives in onshore and offshore domiciles including Bermuda, Dublin, and Vermont. The Heinz captive in Vermont was one of the first to be approved by the Department of Labor to insure ERISA benefits. He remains the Chairman of both the Vermont and Dublin captives. While with Heinz Ed held senior management positions in Accounting, Audit, Finance and Treasury functions. In addition to his duties at Heinz, Ed participated in many community activities, including: Director and Chairman of Life s Work of Western PA Director of the National Aviary Chairman ofthe Pittsburgh Cargo Security Taskforce Past President, Financial Executive Institute Mt. Lebanon School District Budget Advisory Committee City of Pittsburgh/Allegheny County Insurance Study Ed currently serves on the Board of Inteligistics, which provides worldwide tracking and security solutions. A life long resident of Western PA, Ed received his BS in Business Administration and his MBA in Finance from Duquesne University.

8 Stefanie Cellitti is the Assistant Controller of Capterra Risk Solutions, LLC and is responsible for the day to day internal accounting functions of the Company. In addition to managing financial matters of Capterra, Stefanie helps with strategic financial planning for our captives under Stefanie Cellitti Assistant Controller Stefanie was previously responsible for the day to day accounting functions of all captive insurance companies under the management of Capterra Risk Solutions, LLC. While in this role, she worked with third party financial auditors and tax advisors, and reported to the regulatory bodies of all domiciles to ensure that each of the captives were in good standing and compliance with specific domicile requirements. Stefanie began her career as a Fiscal Assistant to the management team and assisted with various accounting functions of the organization including annual budgeting, accounts receivable, accounts payable, and financial reporting to the Controller. Stefanie graduated from Slippery Rock University in 2010 with her Bachelors of Science in Business Administration degree and received her MBA degree from Duquesne University in 2014.