WE ADVISE PERSONAL AND ENDURING RISK MANAGEMENT INSURANCE OCCUPATIONAL BENEFITS SECURING THE COMPETITIVE EDGE.

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1 WE ADVISE PERSONAL AND ENDURING RISK MANAGEMENT INSURANCE OCCUPATIONAL BENEFITS SECURING THE COMPETITIVE EDGE.

2 KESSLER AT A GLANCE Kessler is the leading Swiss enterprise specializing in risk, insurance and pension fund consulting. Due to the know-how and experience of our staff, the innovative strength as well as due to our market position, we create added value in a sustainable manner for our clients from all parts of industry (i.e. service, trading and manufacturing companies as well as public sector). Our excellent reputation combined with our financial success form the foundation of our long-term future as an independent family enterprise. SINCE 1915 Family business managed by the third and fourth generations ZURICH Headquarters 9 Further sites in Switzerland and Liechtenstein 275 Employees 180 Employees registered in the Swiss central registry of insurance intermediaries (FINMA) 23% Market penetration 97% Customer retention rate

3 CONTENTS AT OUR CLIENTS SIDE 4 ABOUT KESSLER 6 SERVICES 12 CLIENTS AND ECONOMIC SECTORS 20 GLOBAL NETWORK 24 TEAM 28 Kessler We advise 3

4 Martin E. Kessler 4 Chairman of Kessler the Board We of Directors advise Tom Kessler Member of the Executive Board Christian Kessler Member of the Executive Board Robert Kessler CEO

5 AT OUR CLIENTS SIDE FOR FOUR GENERATIONS KESSLER PROVIDES PROFESSIONAL SERVICE WITH AN INTER- NATIONAL REACH COMBINED WITH LOCAL ROOTS AND PER- SONAL CONTACT. THAT IS OUR STRENGTH. Successful family businesses often have a seductively simple organizational structure and are notable for their long-term vision of staff, management and financial policy. This approach improves efficiency and creates a special type of continuity. Our clients benefit from that continuity. Client satisfaction is our ultimate priority: we want to understand your needs and are committed to finding the best solution for you. All of which is built around a long-term personal relationship with your advisor. Our staff are the real key to our success. We encourage their personal development and provide targeted training. Kessler has a heart, a face and a strong corporate culture. Our staff identify strongly with the company and enjoy high job satisfaction, which makes them loyal and committed and this ultimately benefits our clients. Martin E. Kessler Robert Kessler Tom Kessler Christian Kessler Chairman of the CEO Member of the Member of the Board of Directors Executive Board Executive Board Kessler We advise 5

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7 ABOUT KESSLER WE ADVISE EXPERTS IN RISK MANAGEMENT, INSURANCE AND OCCUPATIONAL BENEFITS Kessler We advise 7

8 OUR HISTORY Ship s wheel from a vessel owned by the Reederei Zürich shipping company as used in the sea trial in 1952 in Hamburg. Kessler has insured the Sunadele and Sunamelia ships owned by the Reederei Zürich shipping company. The ship s wheel has been Kessler s trademark ever since Securing the competitive edge. ALWAYS LOOKING AHEAD When Johann Kessler founded his family business in 1915, he specialized in insuring cargo that was shipped all over the world. That is where our logo a ship s wheel comes from. From the very outset our clients benefited from the in-depth knowledge and practical experience of our employees, whose job it was to insure clients financially and ensure that their goods arrived safely to shore. FOCUS ON SERVING CLIENTS Kessler has grown dynamically over the years and today in its third and fourth generation operates primarily as a risk advisor and, secondly, as an insurance broker. Now, like then, our mission is to give our clients financial security while helping them to navigate risk management and insurance landscapes with targeted advice and support. 8 Kessler We advise

9 WHAT WE DO Kessler is the leading Swiss company in the fields of risk management, insurance and pension fund consulting. Our team, which is based in Switzerland has now grown to 275 staff and manages a good one third of the 500 largest Swiss companies from the services sector, trade, industry and the public sector. Since it was founded, Kessler has been a family business in the best tradition of Swiss entrepreneurship. Our clients see this in the quality of our work, in the relationships of trust they have with their personal contact partners, and in the speed of our decision-making processes. All services from a single source: Comprehensive risk and insurance analysis and advice Risk and insurance policy models and integrated solutions Creating and placing tailored, innovative insurance solutions Comprehensive management spanning all insurance sectors Legal advice, support and assistance in the event of a claim Modern risk financing, captive studies and captive management Due diligence and transaction solutions for company acquisitions and divestments Employee benefits consulting and coordination Access via KesslerOnline Special Risks Kessler We advise 9

10 OUR SITES AT HOME IN SWITZERLAND CONNECTED AROUND THE GLOBE Kessler is represented throughout Switzerland and there for you wherever you are. Approximately 170 employees are based at the head office in Zurich. To ensure that our clients receive the best possible service not only in Switzerland but internationally, Kessler is the Swiss partner of the global Marsh Network since Headquartered in New York, Marsh is the largest globally active risk manager and insurance broker, with branches in over 100 countries. BASEL AARAU ZURICH ST. GALLEN NEUCHÂTEL BERN LUCERNE VADUZ LAUSANNE GENEVA 10 Kessler We advise

11 A PERSONALISED SERVICE ON AN EQUAL FOOTING WITH OUR CLIENTS Our clients and their sector-specific needs are the focus of our daily work. Teams of eight to ten specialists focus on one particular industry and understand the sector-specific risks. Our flat organizational structure and short decision-making workflows allow us to make decisions fast and share knowledge effectively. Within the individual insurance sectors, our organizational structure ensures that we keep abreast of new developments and provide consistent advice to clients. At an international level, Kessler employees are represented in various industry expert working groups at Marsh. The working groups develop sector-specific solutions, analyze legal and market developments, and are a source of extensive specialist knowledge. This ensures that our employees keep up to date with the latest international developments. Kessler We advise 11

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13 SERVICES DEALING WITH RISKS MEANS IDENTIFYING, ASSESSING AND MANAGING THEM APPROPRIATELY Kessler We advise 13

14 RISK AND INSURANCE POLICY IDENTIFYING AND ACCURATELY EVALUATING RISKS Balanced risk management helps companies to achieve their goals. Through our risk and insurance policy, we aim to create a high yet economically viable degree of security for our clients. State-of-the-art risk management requires in-depth risk identification and evaluation, and optimizes the prevention, insurance and acceptance of risks. The objective is to minimize the total cost of risk (TCOR). THE THREE RISKLEVELS LOW MEDIUM HIGH SIZE OF LOSS Alternative risk financing: consider relation costs/benefit Principle of interests Self-assumption of small frequency losses LOSS FREQUENCY AND PROBABILITY Catastrophe principle: priority to transfer / insure Line of acceptance More frequent and more severe losses to be avoided by constructional, technical or organizational measures (loss prevention, loss control) 14 Kessler We advise

15 PLACEMENT PROCESS ATTRACTIVE INSURANCE SOLUTIONS WITH OUR COORDINATED PLACEMENT PROCESS As soon as the risk categories and the corresponding risk and insurance strategy have been defined, we plan and implement the transfer of risks to the insurance market. We prefer to think of our service as a cycle of analysis, negotiation, placement and the continued development of your insurance policies. ANALYSIS PLANNING PLACEMENT IMPLEMENTATION DAY-TO-DAY-SERVICE Internal strategy, measures and data collection Presentation of the market strategy Negotiation with insurers, which is aided by our market strength Issue of policy documents and insurance certificates Continuous risk evaluation Identification of risks Presentation of various options for each type of cover Comparison of quotes and our recommendation Support with premium allocation for each business unit Global coordination of international programs Benchmark analysis Selection of appropriate insurers for your risk types Discussion of possible program options Definition of claim reporting procedures, tailored to your needs Feedback following renewal and corresponding adjustments Analysis of existing insurance policies Agreement of objectives and time-scale Placement as per agreement incl. obtainment of confirmations of cover Planning of renewal of policies Knowledge transfer, claims management, point of contact for risk issues, legal advice for questions about insurance Kessler We advise 15

16 REPORTING EXCHANGE OF KNOWLEDGE AND EXPERIENCE Regular meetings ensure ongoing knowledge exchange and enable us to tailor your insurance solutions to your current needs. For this reason, we will hold a strategy meeting with you each year. Additional half-yearly or quarterly meetings are also held, depending on requirements. ALWAYS UP TO DATE During the year we keep you up-to-date about the latest placements, renewals and premium and claims statistics. Our global network enables us to inform you of legal changes that could affect your current policies and to provide you with international benchmarking reports. REPORT BENCHMARKING REPORT RISK AND INSURANCE POLICY SECURING THE COMPETITIVE EDGE. SECURING THE COMPETITIVE EDGE. 16 Kessler We advise

17 OFFERING Kessler offers individual and customized solutions for risk, insurance and pension management. We offer these services across all insurance sectors. In addition to advising and managing the insurance portfolio, we provide our clients with legal advice on all insurance issues. INSURANCE CONSULTING Risk and insurance policy Insurance broking Occupational benefits RISK CONSULTING Enterprise Risk Management Business Resilience Alternative Risk Financing and Business Analytics Human Resources Risk Management SPECIALTIES Special Risks Directors & Officers Liability (D&O) Cyber Risk Credit, Bonds and Guarantees ClaimsExcellence M&A transaction-related services Management and administration of pension funds KESSLER ACADEMY Seminars for decision-makers Kessler We advise 17

18 SPECIAL ADDITIONAL SERVICES MORE THAN INSURANCE BROKING Services from a single source form the basis of comprehensive risk analysis and holistic insurance solutions. As well as our general broker services, we can also offer you the following special, customized additional services on a project basis. BUSINESS RESILIENCE (BR) In advising our clients on how to enhance their business resilience along the whole length of the value chain, we adopt a pragmatic approach tailored to their specific needs. Our advice focuses in particular on business interruption or cyber risks, which need to be recognized, evaluated and monitored. M&A TRANSACTION-RELATED SERVICES Buying and selling companies involves significant risks. Together with more than 150 specialists from the worldwide Marsh Network, we support you with insurance due diligence and draw up tailored M&A transaction insurance solutions for guarantees arising from the purchase agreement. ALTERNATIVE RISK FINANCING (ARF) AND BUSINESS ANALYTICS ARF solutions are important value drivers when it comes to reducing the overall cost of risk. They combine in an efficient way the transfer of risk and the bearing of its cost by the business itself. We analyze risk costs and offer consulting services and feasibility studies for, among others, structured weather solutions or captives. ENTERPRISE RISK MANAGEMENT (ERM) ERM is a comprehensive, systematic approach to the successful management of risks. Our modular goodpractice consulting approach meets all the requirements of Executive Committees and Boards of Directors. HUMAN RESOURCES RISK MANAGEMENT (HRRM) When handling HR risks, systematic and comprehensive HRRM is absolutely essential. HRRM enhances staff to performance and makes HR processes more efficient and cost-effective. Our approach to consulting covers four stages: identifying, evaluating, addressing and monitoring risks. 18 Kessler We advise

19 KESSLER ONLINE & KESSLER APP WELL-STRUCTURED AND ONLINE You can access your data at any time via our webbased platform KesslerOnline. Numerous filter options enable you to create overviews of all your policies, view electronic copies of your policy documents or call up summaries of each individual policy. SECURE ACCESS FROM ALL DEVICES KesslerOnline is accessible via our website. Once successfully registred, you can use KesslerOnline also via App from any mobile device. Thus, you can view your insurance data at any time and from any place. Kessler We advise 19

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21 CLIENTS AND ECONOMIC SECTORS AT THE SERVICE OF OUR CLIENTS WE ARE COMMITTED TO FINDING THE RIGHT SOLUTION Kessler We advise 21

22 LASTING RELATIONSHIPS 23% MARKET PENETRATION 36 OF THE TOP 100 COMPANIES 97% CUSTOMER RETENTION RATE CLIENT STRUCTURE Of the 4,500 leading Swiss private companies and 500 public sector institutions we provide advice to around 1,150, which puts our estimated market penetration at roughly 23%. CUSTOMER RELATIONSHIP We have business relationships with 36 of the top 100 Swiss companies. Our customer retention rate has remained at around 97 % for over ten years. 22 Kessler We advise

23 SECTOR-SPECIFIC EXPERTISE 30 % 25 % 20 % 15 % 10 % 5 % 0 % Chemical / Pharmaceutical / Life Science: 8 % Manufacturing / Industry / Food & Beverage: 21 % Construction / Power / Infrastructure / Transportation: 13 % Trade: 10 % Financial services: 10 % Public entities / Healthcare: 12 % Services / Consultancy / Media / Hospitality: 26 % ADVICE AND SUPPORT ACROSS ALL SECTORS As our employees are organized in sector-specific specialist teams, we can assist our clients in all sectors and insurance lines. As a result Kessler s clients are distributed across a very broad range of sectors. Kessler We advise 23

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25 GLOBAL NETWORK SWITZERLAND IS OUR HOME GLOBALLY CONNECTED Kessler We advise 25

26 MARSH NETWORK ACCESS TO THE GLOBAL INSURANCE MARKET We use the Marsh Network to take care of the local foreign group companies of our approximately 100 Swiss multinational clients. In turn, we act as the Marsh Network s Swiss partner and support around 500 subsidiaries of foreign companies in Switzerland. SECTOR-SPECIFIC ORGANIZATIONAL STRUCTURE In addition to sharing client management, the Marsh Network is used to share knowledge. Kessler employees are represented in various industry expert working groups at Marsh. The working groups develop sector-specific solutions, analyze legal and market developments, and are a source of extensive specialist knowledge. Marsh Correspondent 26 Kessler We advise

27 MARSH & McLENNAN COMPANIES We are the Swiss partner of the Marsh Network, which gives us access to the expertise and resources of the world leader for risk consulting and insurance management. Marsh is a subsidiary of Marsh & McLennan Companies. MARSH Risk, insurance and pension fund consulting Risk identification and consulting Global insurance solutions Specialization in products and sectors Captive management services Claims management and support Alternative risk strategies Risk consulting MERCER Consulting, outsourcing and investments Health and benefits including global benefits Wealth and investments including pension risk management and IFRS & USGAAP calculations Investment consulting for institutional investors Workforce and career consultation including executive compensation and talent mobility Mergers & acquisitions including post-merger integration GUY CARPENTER Reinsurance services Risk measurement and evaluation Integrated strategies for optimizing, protecting and using capital Worldwide reinsurance placement and structuring Portfolio formation / optimization Capital market and M&A consulting Rating agency advisory ERM analyses Contract and claims management OLIVER WYMAN Management consulting Technical, operational and strategic advisory Financial services advisory Organization and management development Enterprise risk analyses Brand design and strategy Advice on supervisory provisions Actuarial consulting Kessler We advise 27

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29 TEAM SUCCESSFUL, THANKS TO OUR EMPLOYEES FOR OVER 100 YEARS Kessler We advise 29

30 HERE TO ADVISE YOU ROBERT KESSLER CEO DOUGLAS MÜLLER National clients german-speaking Switzerland, Occupational benefits, Accident and Health insurance HELMUT STUDER Marketing & Sales, Client relationship & Insurance Line Management, Legal & Compliance ROGER KONRAD Clients International, Insurance Regulation & Tax PASCAL SCHWEINGRUBER Special Risks, Aviation, Market Security BERNARD PERRITAZ National clients, International clients and occupational benefits Western Switzerland CHRISTIAN KESSLER Industry Practices, Innovation, Marsh TOM KESSLER Risk Consulting, Human Resources, Logistics 30 Kessler We advise

31 ORGANIZATIONAL CHART BOARD OF DIRECTORS EXECUTIVE COMMITTEE SUBSIDIARIES MARTIN E. KESSLER Chairman ROBERT KESSLER CEO Finance IT Berne Region KESSLER CONSULTING Inc. Simon Künzler ROBERT KESSLER EDWIN CHARNAUD CHRISTOPH SCHMID DOUGLAS MÜLLER Member HELMUT STUDER Member National clients germanspeaking Switzerland Marketing & Sales Occupational benefits Client relationship & Insurance Line Management Accident and Health insurance Legal & Compliance KESSLER PRÉVOYANCE SA Stéphane Etter KESSLER & CO Inc., FL Riccardo Tondo ROGER KONRAD Member Clients International Insurance Regulation & Tax PASCAL SCHWEINGRUBER Member Special Risks Aviation Market Security BERNARD PERRITAZ Member National clients Western Switzerland International clients Western Switzerland Occupational benefits Western Switzerland CHRISTIAN KESSLER Member Industry Practices Innovation Marsh TOM KESSLER Member Risk Consulting Human Resources Logistics Kessler We advise 31

32 CONTACT US OUR SITES ZURICH (HEADQUARTER) Forchstrasse 95 P.O. Box CH-8032 Zurich T AARAU Rohrerstrasse 102 CH-5000 Aarau T BASEL Freie Strasse 35 CH-4001 Basel T BERN Talstrasse 7 CH-3053 Münchenbuchsee T LUCERNE Habsburgerstrasse 12 CH-6003 Lucerne T ST. GALLEN Fürstenlandstrasse 101 CH-9014 St. Gallen T VADUZ Josef Rheinberger Strasse 6 FL-9490 Vaduz T GENEVA Avenue de Frontenex 32 CH-1207 Geneva T LAUSANNE Rue Pépinet 1 P.O. Box 6648 CH-1002 Lausanne T NEUCHÂTEL Rue J.-L. Pourtalès 1 CH-2000 Neuchâtel T Kessler We advise

33 PERFORMANCE neutral Printed Matter No myclimate The Climate Protection Partnership Kessler Insight 2017 Risk & Insurance 33

34 KESSLER & CO Inc. Forchstrasse 95 P.O. Box CH-8032 Zurich T