Securely managed insurance solutions. Protected Cell, Incorporated Cell and Segregated Account facilities

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1 Securely maaged isurace solutios Protected Cell, Icorporated Cell ad Segregated Accout facilities

2 About us White Rock is a uique ad leadig group of isurace ad reisurace vehicles with operatios i a umber of key domiciles icludig Bermuda, Gibraltar, Guersey, Isle of Ma ad Malta.

3 Owed by Ao, the White Rock Group offers cliets a diverse suite of isurace solutios through utilisatio of Protected Cell, Icorporated Cell ad Segregated Accout facilities. Ao s leadership i this field is demostrated by our iovative approach to these structures ad our tightly cotrolled goverace framework which esures that our cliets iterests are well protected. White Rock was the first group to form a Protected Cell Compay, the first to form a Icorporated Cell Compay ad is costatly seekig to adapt its structures ad domicile ifrastructure to meet cliet eeds.

4 Retaied Cells White Rock offers Segregated Accout, Protected or Icorporated cell facilities where each isured s busiess is legally segregated from all other cells i the chose vehicle. These cells ca be used by cliets who wish to have a direct-writig, or reisurace facility without the eed to establish a separate compay. Typically, this solutio may suit small ad medium sized compaies where there are cost efficiecies compared to a stad-aloe captive, or larger orgaisatios that wat to reduce the maagemet time ad admiistratio associated with captive owership. Beefits A effective alterative to a stad-aloe captive, the beefits of which iclude: - Risk maagemet focus ad the ability to stabilise losses over time - Direct reisurace market access icludig potetially additioal capacity - Flexibility i programme desig Coverage may be available i the reisurace market that is ot available from direct isurers facilitatig partial risk trasfer optios Speed of set up ad exit Prove experiece i udertakig these trasactios Cell 6 Cell 5 Priciples of a PCC Cell 1 White Rock PCC Core Cell 4 Cell 2 Cell 3

5 Isurace Liked Securities (ILS) The White Rock Group provides capital market ivestors with flexible ad iovative trasformer facilities which ca be used to directly access the reisurace market. Utilisig trasformer vehicles, capital markets ivestors are provided the opportuity to participate i (re)isurace evet risk, with a primary focus o atural catastrophe perils, via a asset class that is largely ucorrelated to the global capital markets ad which is viewed to provide a attractive risk adjusted retur. I the absece of a clearly defied trigger evet, the iitial collateral ad ay associated proceeds will be realised by the ivestor. Capital markets ivestor Fudig White Rock trasformer facility* Access to (Re) Isurace market White Rock offers a tur-key solutio to ivestors lookig for ease of set up ad flexible owership optios, with miimal operatioal costs. The White Rock team has extesive experiece with establishig ew protected cells ad provides all maagemet services ad oversight to the vehicles. *PCC, ICC, SAC depedet o domicile

6 Icorporated Cell Compaies White Rock ICC is a Icorporated Cell Compay (ICC) facility where each cell is a separately icorporated legal etity. Each cell has its ow Board of Directors, share capital, Memoradum & Articles of icorporatio ad audited accouts. Cells withi a ICC ca also trasact with oe aother. Icorporated Cells ca be used by cliets who wish to have a direct-writig or reisurace captive facility without the eed to ow a completely separate compay. Priciples of a ICC Cell 1 Icorporated Cells are a ideal solutio for captives i ru-off which ca be migrated ito the White Rock ICC facility ad be ru-off efficietly ad effectively by the White Rock team. It is straight forward for a existig captive to become a Icorporated Cell withi White Rock. Due to its quasi-captive ature White Rock ICC may accept cells which are ot fully fuded, depedig upo the type of risks writte. Cell 6 Cell 5 White Rock ICC Core Stad aloe compay Cell 3 Cell 4

7 White Rock - Isle of Ma White Rock Isurace PCC (Isle of Ma) Limited is licesed by the Isle of Ma Isurace ad Pesios Authority to write geeral busiess ad short-term life products o a direct ad reisurace basis. Cliets coductig busiess o the Islad beefit from local expertise ad immediate access to the global reisurace market. Isle of Ma carries a AA+ Sovereig ratig, has the backig of a strog IMF report ad is o the OECD white list. The Islad is ot part of the Europea Uio ad is ot directly impacted by Solvecy II, however it is committed to followig the Isurace Core Priciples of the Iteratioal Associatio of Isurace Supervisors which allows for a proportioal approach to regulatio.

8 About Ao Ao plc (NYSE:AON) is the leadig global provider of risk maagemet, isurace ad reisurace brokerage, ad huma resources solutios ad outsourcig services. Through its more tha 62,000 colleagues worldwide, Ao uites to empower results for cliets i over 120 coutries via iovative ad effective risk ad people solutios ad through idustry-leadig global resources ad techical expertise. Ao has bee amed repeatedly as the world s best broker, best isurace itermediary, reisurace itermediary, captives maager ad best employee beefits cosultig firm by multiple idustry sources. Visit ao.com for more iformatio about Ao. Cotacts - Isle of Ma Gayor Brough Maagig Director t: +44 (0) e: gayor.brough@ao.co.uk Vicet Barrett Group Maagig Director t: e: vicet.barrett@ao.ie thewhiterockgroup.com Ao UK Limited is authorised ad regulated by the Fiacial Coduct Authority. Registered Office: 8 Devoshire Square, Lodo, EC2M 4PL Registered i Lodo No VAT Registratio No Copyright 2013 by Ao UK Limited. All rights reserved. FP 7940

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