INSURANCE & INVESTMENTS INNOVATIONS FORUM

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WESTIN DUBAI AL HABTOOR CITY HOTEL 7TH DECEMBER 2017 DUBAI, UAE INSURANCE & INVESTMENTS INNOVATIONS FORUM BE INNOVATIVE FOR A SUSTAINED LONG TERM SUCCESS 2017 SPEAKERS Sanjay Jain MENA Insurance Leader Ernst & Young (EY), UAE Vineet Patni Former President and Chief Institutional Business Officer Bjaj Allianz Life Insurance, India Chalapathi Srinivasan Director Avon Insurance Brokers, UAE Sanjay Jha General Manager (Life & Medical) Oman United Insurance Company, Oman Brian Aherne Head of Investment Operations Hawthorn Life, Ireland Frank Carr Chief Marketing Officer Financial Risk Solutions (FRS), Ireland Shyam Sankar General Manager RAK Life Insurance, UAE Scott Lim Associate Director, Insurance Dubai Financial Services Authority, UAE Arthur Underwood Operations Project Manager Trust Re, Bahrain Sohail Jaffer INTRODUCTION EuroEvents is pleased to invite you to the Insurance & Investments Innovations Forum. This meeting will gather the insurance industry experts coming from Europe and Middle East under the same roof, to share their own experiences and successful strategies and how important to be innovative in a fast evolving environment, as well as to spotlight the power of the advanced technologies that will keep you ahead and will rise your competition, also will help you to strengthen your customer engagement. This event will offer you the opportunity to meet the disruptors and to hear from them what the future will bring, and what are the newest technologies that will be implemented in insurance industry. SPONSORS: Managing Director of Business Development MENA Region Capita, UAE Adam Byford Managing Director Synaptic Software, UK Elizabeth Gooch CEO & Founder EG Company, UK Walter Jopp Chief Executive Officer at Zurich International Life, Middle East Ciaran Dempsey EMEA Business Development Director Capita Life & Pensions, Ireland PARTNERS:

INSURANCE & INVESTMENTS INNOVATIONS FORUM Dear Delegate, On behalf of the organizing committee, it is my great pleasure to welcome you at WESTIN DUBAI AL HABTOOR CITY HOTEL for the Insurance & Investments Innovations Forum, the annual international Rendez-vous that brings together the leading insurance professionals in Middle East under the umbrella of the EuroEvents Institute. This important industry event will serve as a platform for enabling the insurance practitioners to raise their game and to maximize the potentials of their cooperation. The main focus will be on sharing diverse and extensive industry expertise, building capacity and perfecting skills. Speakers and delegates representing the industry, as well as leading consultants and experts, will present, discuss and examine the latest trends, about insurance industry, how to keep up with the ever changing environment and what are the benefits and threats that the digital era pose to the insurers. During this one day conference we will make a global market outlook and will discuss where is the industry now and where is heading and how technology is reshaping the industry. Furthermore, we will discuss about the challenges & Opportunities also the successful strategies for a sustained long term success, but as well about InsurTech and in what way they are disrupting the industry. Your active involvement in the Q & A session will add value to the learning experience, therefore you are welcome to be actively involved, to present and to share your experiences and thoughts related to the topic of discussion. The Networking breaks will be a perfect opportunity to discuss the burning issues and the latest trends in insurance industry. Yours Sincerely, Meriem Seghir Conference Producer

WESTIN DUBAI AL HABTOOR CITY HOTEL 7 th DECEMBER 2017, DUBAI, UAE Registration & Morning Coffee 08:30 Welcome and Opening Remarks 08:50 from Mr. Walter Jopp, CEO at Zurich International Life Middle East I. OVERVIEW OF THE INSURANCE IN MIDDLE EAST: NICHE OF THE NEW AGE 09:00-10:00 MENA insurance trends: Recent developments and innovations 09:00-09:30 Sanjay Jain MENA Insurance Leader Ernst & Young (EY) UAE Evolving Regulatory landscape Redirection to Innovation 09:30-10:00 How should regulators promote innovation and inclusion? How should regulation evolve to deal with new risks? Scott Lim Associate Director, Insurance Dubai Financial Services Authority UAE Refreshments & Coffee Networking Break 10:00 II. WHAT ARE THE CHALLENGES THAT WILL DRIVE THE INSURANCE TO INNOVATE 10:25-11:50 Moderator: Sohail Jaffer Managing Director of Business Development MENA Region Capita UAE 10:25-10:35 Customer Centricity is an impetus to accelerate growth 10:35-11:00 Learn how to meet your customer needs in fast evolving environment. Vineet Patni Former President and Chief Institutional Business Officer Bjaj Allianz Life Insurance India Distribution & Pricing 11:00-11:25 What are the emerging distribution models that will raise your growth opportunities? Chalapathi Srinivasan Director Avon Insurance Brokers UAE Claims & Analytics 11:25-11:50 Using predictive analytics can reduce your costs and improve your profitability. Sanjay Jha General Manager (Life & Medical) Oman United Insurance Company Oman Lunch 11:50 12:35 Great opportunity to interact with market leaders in relaxing environment

INSURANCE & INVESTMENTS INNOVATIONS FORUM III. DIGITAL TRANSFORMATION: TECHNOLOGY AND AUTOMATION ARE SURVEYING THE HORIZON 12:35-13:55 How Innovation pays off exploring risk reduction and operational improvements across the value chain 12:35-13:05 Brian Aherne Head of Investment Operations Hawthorn Life Ireland. Frank Carr Market & Proposition Director Financial Risk Solutions (FRS) Ireland Automated underwriting, is a crucial step for an effective customer engagement 13:05-13:30 Shyam Sankar General Manager RAK Life Insurance UAE. The Rüschlikon Project: an obscure name for a very important initiative 13:30-13:55 Arthur Underwood Operations Project Manager Trust Re Bahrain Refreshments & Coffee Networking Break 13:55-14:15 IV. THE FUTURE OF INSURANCE IN MIDDLE EAST 14:15-15:25 How Insurtech will reboot your business plans 14:15-14:40 Partnering with disruptors, is the winning recipe for increased competition. Adam Byford Managing Director Synaptic Software UK Managing Customer Demand in the Connected World 14:40-15:05» Exploring the key enablers of innovation that deliver consistent operational control; fact based process improvement and alignment with automation across the end-to-end customer journey Elizabeth Gooch CEO & Founder EG Company UK Digital Protection 15:05-15:30 Ciaran Dempsey EMEA Business Development Director Capita Life & Pensions End of Conference 15:30 Capita is inviting you for a networking cocktail reception 15:30-17:00

WESTIN DUBAI AL HABTOOR CITY HOTEL 7 th DECEMBER 2017, DUBAI, UAE SPEAKERS Sanjay Jain MENA Insurance Leader, Ernst & Young (EY), UAE Sanjay Jain leads EY's MENA insurance practice, servicing the Middle East and North Africa insurance sector. He has 20+ years of experience, having worked in the industry with both, global and regional companies, before joining EY in 2012. Sanjay has extensive experience across the value chain of insurance business, both from an industry and the consulting perspective. Sanjay has proven experience of working with Boards / CEOs on their growth and profitability agenda. Some of the recent projects Sanjay have been leading entailed, market entry; strategic transformation; operational effectiveness; M&A; regulatory compliance; risk management; and governance. Sohail Jaffer Managing Director of Business, Development MENA Region, Capita, UAE Over 40 years' experience in the financial services industry, holding Executive and Board level positions in some of the largest international and entrepreneurial firms covering both developed and growth markets across Europe, Middle East, Africa and Asia; Positions held include Deputy CEO of an International life and pensions service provider, Business Development Director who originated and secured several bancassurance deals in the growth markets and Managing Director of an asset manager Specialised in audit, tax, business advisory, international business development and client relationship management, with a proven track record in sales of investment funds, structured products and alternative investments to institutional investors; Walter Jopp Chief Executive Officer at Zurich International Life, Middle East Walter Jopp is Chief Executive Officer for Zurich International Life in the Middle East. Within this role Walter is responsible for developing and executing Zurich s strategy in the region, enhancing the value of Zurich s strategic partnerships and identifying opportunities for further profitable growth. Walter held several senior roles with Zurich in Asia Pacific, Europe, Latin America and the Middle East and was been responsible for developing key bank relationships at a global level and Zurich s International business in Latin America & Scandinavia as well as being Global Head of Sales for Zurich s International business where he led the sales operation for individual and corporate businesses with teams in the Americas, Europe, Middle East and Asia. Until October 2015 he led the Market Management for Zurich in Asia Pacific and Middle East, sharing the International Growth Meeting which successfully drove tactical initiatives. Shyam Sankar General Manager, RAK Life Insurance, UAE Shyam is an industry professional with over 15 years of experience in the insurance sector in the Middle East and India. He possesses a range of expertise in Bancassurance, Life and Medical product development and Sales. Shyam is adept in building teams and creating & sustaining relationships with channel partners and driving cohesive efforts in achieving business objectives. Having worked in various Middle East markets Shyam has introduced various Bancassurance models in different markets that have, through his negotiation and operational implementation skills, met performance objectives. He is responsible for the entire RAK Life and Medical division. Shyam holds an MBA in Marketing & Finance and Advanced Diploma in Insurance (ACII) through the CII, UK. Adam Byford Managing Director, Synaptic Software, UK Adam Byford has over 25 years' experience in financial services, and was part of the core team that developed the standards framework for e-commerce capabilities for Financial Services in the UK Adam has held a number of key roles including Head of e-business Strategy for Prudential, Head of Service Strategy for Webline and following the Capita acquisition of Quay Software, Webline & Synaptic in 2007 took the position of Sales Director and subsequently became Managing Director of Synaptic Software in 2011. The business has grown consistently under his tenure and continues to develop innovative solutions to our market. Scott Lim Associate Director, Insurance, Dubai Financial Services Authority, UAE Scott Lim is an Associate Director in the Supervision department and joined the DFSA in February 2007. He manages a team that is responsible for supervising insurance firms in the Dubai International Financial Centre (DIFC). Prior to joining the DFSA, he was a senior analyst at the Australian Prudential Regulation Authority. Before his regulatory career, he was a litigation lawyer at DLA Piper Phillips Fox in Australia. He holds a Bachelor of Laws and a Bachelor of Business from University of Technology, Sydney. He was admitted as a lawyer in the Supreme Court of New South Wales, Australia, in 2002. Elizabeth Gooch CEO & Founder, EG Company, UK The Telegraph's Most Disruptive Entrepreneurs of 2014, Finance Monthly CEO Award 2014, PCR's Top 50 Women in Technology 2014, West Midlands Women of the Year Outstanding Contribution to Technology Award 2013, Awarded MBE in Queens Birthday Honours list 2012. Invented "the most complete, purpose built back office workforce optimisation software product available" now recognised as the industry standard. Pioneered a new, emerging market worth c.$3bn. Created a total solution based on managed service implementations - fixed cost, fixed timescale projects delivering guaranteed benefits.

SPEAKERS INSURANCE & INVESTMENTS INNOVATIONS FORUM Frank Carr Chief Marketing Officer, FRS, Ireland Mr. Carr has built up a wealth of knowledge and experience during his career with International software and telecommunications companies. He has worked in North America and Europe. Before assuming his present roll in 2002, Mr. Carr s positions included leading field sales and marketing teams in Europe. He has built up and run large direct and indirect revenue channels on both sides of the Atlantic. Mr. Carr has a senior proven track record in the sales and marketing area. He holds a bachelor s degree in Economics from University College Dublin. Mr. Carr is the Sales and Marketing Director at Financial Risk Solutions. Arthur Underwood Operations Project Manager, Trust Re, Bahrain Arthur S. Underwood has over forty years of experience in international insurance and reinsurance. Afterreceiving his university degree with High Honors in History from Kenyon College, he joined the International Division of Continental Insurance in New York. In 1974, Mr. Underwood was named Continental s Representative for the Benelux in Brussels, Belgium; later, he became Assistant Manager Benelux and France for Continental. Brian Aherne FCCA Hawthorn Life, A Berkshire, Hathaway Company Mr Aherne has worked in the UK Life and Pensions Industry for nearly 20 years. He joined Hawthorn Life in 2009 as Head of Investment Operations. His responsibilities include, Unit Pricing, Proposition Management and Portfolio management for Hawthorn's Bond and Pension products. In 2016 Mr Aherne led the project to transfer all of Hawthorns Unit pricing activities to Microsoft' Azure cloud based solution utilising the Invest pro system, which was an Industry first. Mr Aherne started his career with Aviva International, progressing to lead both the Finance and Investment teams. During his time at Aviva he was responsible for the Unit Pricing and Investment Proposition of the Offshore Bond and Open Architecture products. Ciaran Dempsey EMEA Business Development Director, Capita Life & Pensions Ciaran has a specific focus of developing strategic partnerships in the EMEA region for the Life and Pension division of Capita. Over the past 3 years, Ciaran has focused on growth in the European and Gulf Insurance markets. His particular attention is on driving the digital agenda to enhance customer experience whilst reducing cost by the elimination of manual processing. He has personally developed a number of new client engagements and continues to push Capita's global footprint through a partner programme and organic new business. Previous projects include work in Ireland, UK, Luxembourg, Switzerland, Malta, Italy, Saudi Arabia and the UAE. Chalapathi Srinivasan Director Avon Insurance Brokers UAE Chalapathi Srinivasan is a qualified insurance professional with extensive General Insurance and Reinsurance experience of over 29 years. He holds a Fellowship in General Insurance. He has lead the management and operations in Insurance Companies as well as Broking firms during his tenure both in India and GCC in various senior management capacities. He is currently the Director of Avon Insurance and Reinsurance Brokers in Dubai. He handles Reinsurance Treaties, product conceptualisation and General Insurance business of Avon besides designing aggregation models for affinity groups and community schemes. He has published Insurance related articles. He was the CEO of Driesassur Middle East in UAE and SEO of Bahrain National Insurance in Qatar / Bahrain prior to his joining Avon. A start-up and business revival expert, he has successful track record in operations, new product development and underwriting. Vineet Patni Former President and Chief Institutional Business Officer Bjaj Allianz Life Insurance India Vineet is an experienced Banking & Insurance Professional with over 22 years of successful career in positions of increasing responsibility & duties in various International markets & bluechip companies. He has been a Top performer with solid track record of leading Organizations through restructuring & change, exceeding set goals, & expectations & has successfully managed most business lines within Insurance Company & Consumer Bank. A strong believer of innovation & creative ideas; & has many industry firsts to his credit. Some of them are Technology innovation & Digitization for Bancassurance, Financial Inclusion & Rural segment in Bajaj Allianz Life, Sales automation with a Insurance specific lead management model to drive up Productivity for Direct to customer business in Bharti AXA, Change in Consumer Product strategy & new launches in CIB, one of the finest Mortgage business in Mashreq bank, Wealth Management & Affluent business launch in Commercial Bank Group Qatar, signing with SCB India for Allianz Bajaj and many more. Sanjay Jha, General Manager (Life & Medical) Oman United Insurance Company Oman DOB 28th July 1969 Nationality Indian Current Position Working with Oman United Insurance Company (a composite insurer) based at Muscat as "GM - Life & Medical" responsible for all operations and P&L of Life & Health division since Aug 2012. Basic Qualifications B. Sc. (Physics) Honours & M.Sc. (Physics) from Delhi University. Professional Qualifications Post Graduate Diploma in Management from IGNOU, Delhi. Insurance Qualifications - Indian Fellow of Insurance Institute of India (III), Associate of III - both in General branch as well as in Life branch. Insurance Qualifications - International Fellow of Chartered Insurance Institute (CII, UK), Fellow of Life Management Institute (LOMA, USA).

WESTIN DUBAI AL HABTOOR CITY HOTEL 7 th DECEMBER 2017, DUBAI, UAE SPONSORS & PARTNERS CAPITA About Capita Life and Pensions Capita Life & Pensions, part of Capita plc, employs more than 12,000 highly qualified and trained staff. Our people drive our vision and success because they understand the industry and they have the experience to provide a first-class service to our clients' customers. We use their talent and the very latest technology to deliver change and unlock value for our life and pensions clients. Every day we make processes smarter, organisations more efficient and customer experiences better. As one of the leading providers of technology-enabled business process management (BPM) and digital technology services to the life and pensions sector, we offer a wide range of integrated end-to-end administration, digital technology and business support services to clients in the Middle East, Africa, UK, Ireland and central-western Europe. Using technology, insight and analytics to underpin everything we do, we play a vital role in helping our clients to deliver modern services efficiently, effectively and to a high standard. We use innovative, often unique IT and software platforms, together with a thorough understanding of excellent, accessible customer services, to help deliver the best experience possible for our customers. We have been transforming our clients' customer contact and administration operations for more than 15 years, and over that time we feel that we have come to understand the market and its customers well. We succeed by doing what we do best attracting, retaining and looking after our clients' customers and that frees our clients up to focus on what they do best. FRS About Financial Risk Solutions (FRS): FRS software is used for Life Insurance Fund Administration, Asset Manager Oversight, PRIIPs (Packaged Retail and Insurance-Based Investment Products) KID (Key Information Documents) production, MiFID II Cost Calculations, Solvency II Quantitative Reporting Templates (QRT's) and online banking Peer to Peer lending. The FRS Invest Pro platform manages in excess of 100bn in assets under management, clients are based in Europe, Asia and the US. Financial Risk Solutions (FRS) was founded in Dublin, Ireland by a group of Actuaries and IT specialists in 1999. EG SOLUTIONS eg solutions is an enterprise workforce optimization software company, specializing in the back office. eg pioneered this new market space and developed the most complete, purpose built workforce optimization software for back offices the only solution that manages work, people and end-to-end processes wherever they are undertaken, anywhere in the world. Our software is now used by leading UK, international and global companies in multiple industry sectors including financial services, healthcare and utilities both in the cloud and on-premise. Using our forecasting, scheduling, real-time work management and operational analytics capabilities we deliver measurable improvements in service, quality, productivity and regulatory compliance. When supported by our implementation and training services we guarantee return on investment in short timescales. Regardless of who is serving the customer call center, back offices, branches or the field our solutions provide true insight into the full customer service process and promote world-class operational management capability. SYNAPTIC SOFTWARE LIMITED Synaptic Software provides the most comprehensive set of research, price comparison and CRM software solutions available to the UK retail financial services market. Leading the market for over 20 years Synaptic Software lends power to the performance of UK financial services. Trusted by over 50% of IFAs and the likes of moneysupermarket.com Synaptic Software is proven to make a difference. Our complete suite of tools delivers objective, independent and comprehensive information in real-time, while providing a complete audit trail and state-of-the-art due diligence. Powerful research tools include price comparisons through to risk ratings, stochastic modeling and reduction in yield calculators. Our tailored CRM system can transform the efficiency and effectiveness of customer interactions, at every stage of the customer lifecycle. While Synaptic Webline can be integrated into any website, providing end customers with 24/7 access to fully automatic, whole-of-market protection quote and apply capabilities. EY EY is a global leader in assurance, tax, transaction and advisory services. The insights and quality services we deliver help build trust and confidence in the capital markets and in economies the world over. We develop outstanding leaders who team to deliver on our promises to all of our stakeholders. In so doing, we play a critical role in building a better working world for our people, for our clients and for our communities. EY refers to the global organization and may refer to one or more of the member firms of Ernst & Young Global Limited, each of which is a separate legal entity. Ernst & Young Global Limited, a UK company limited by guarantee, does not provide services to clients. For more information about our organization, please visit ey.com. EY material on this page has been prepared for general informational purposes only and is not intended to be relied upon as accounting, tax, or other professional advice. Please refer to your advisors for specific advice.

UPCOMING CONFERENCES LIFE INSURANCE & PENSIONS CONFERENCE 4 TH ANNUAL MEDICAL TOURISM CE CONFERENCE PARTNERS: INTRODUCTION For the 4th year in a row, your favorite MTCE is bringing together the leading professionals from the health tourism and healthcare industries to discuss and examine the latest trends, challenges and innovations, in order to maintain the leading position on the market for the cross border patients, and increase their presence globally. This event will serve as a platform for enabling the Medical Tourism practitioners to further develop their strategies towards attracting foreign patients to their facilities. Our event will provide strategic solutions and approaches, through which the hospitals can be set apart from the competition and can create a competitive edge. MTCE18 will uncover the secrets and potentials of the emerging technologies and their impact on the future of the industry. Over the years, our conference has emerged as one of the best events in the industry, providing exceptional experience for our clients and giving them support through their way of growth and success. Join us in Berlin, where knowledge and people meet. H4 HOTEL ALEXANDERPLATZ 15 TH -16 TH FEBRUARY, 2018, BERLIN, GERMANY WINNING INTERNATIONAL PATIENTS IN THE DIGITAL AGE SPEAKERS Dimitris Kavakas, Managing Director, Redia IVF, Greece Dr Jonathan O'Keeffe, CEO, London Health Systems, UK Daniel Coulton-Shaw, Co-Founder, Global Clinic Rating, UK Ognjen Bagatin, CEO, Poliklinika BAGATIN, Croatia Dr. Stefan Esser, Regional Medical Director, International SOS, Germany Dr. Miljenko Bura, President, Zagreb Health Tourism Cluster, Croatia Tobias Ganter, CEO, Helthcare Futurist, Germany Dr. Claudia Mika, Founder & CEO, Temos International GmbH, Germany Lutz Lungwitz, President, German Medical Wellness Association, Germany Dr. Sophie Chung, CEO and Founder, Qunomedical, Germany Mustafa Temiz, Founder & Owner, Clinic Center, UK Gordana Karan Zivcec PhD, Founder, Medico Veritas, Slovenia Dr Prem Jagyasi, Global Leader & Speaker, CEO, Dr Prem & Associates, India Inma Meco Esteban, Vice President, Spanish Medical Facilitators Association, Spain Pawel Cebula, COO & Co-Founder, MEDIGO, Germany 4 TH ANNUAL MEDICAL TOURISM CONFERENCE 15-16 th February 2018, Berlin, Germany This unique event, will bring together the leading professionals from the health tourism and health - care industries, to discuss and examine the latest trends, challenges and innovations, in order to maintain the leading position on the market for the cross border patients, and increase their presence globally. 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Over the past three years, We emerged as one of the best Event in the Medical Tourism Industry, providing exceptional experience for our clients and giving them support through their way of growth and success. 2 ND EXCELLENCE IN HEALTH INSURANCE 2018 15 TH - 16 TH MARCH 2018 VIENNA, AUSTRIA STAY AHEAD WITH THE RIGHT BUSINESS MODEL THROUGH INNOVATION 2018 SPEAKERS Andreas Stock Head of Employee Benefits Uniqa corporate Business Austria Dr. Frank Amandi Deputy Global Head Financial Institutions, CUO Financial Lines Allianz Global Corporate & Specialty Germany Glenn Lottering Senior Director Oracle Insurance Netherlands Christophe Jauquet Business Director Health & Medical, Keynote Speaker on Health Trends & Innovations InSites Consulting Belgium Marco Giacomelli Head of Generali Global Health Generali UK Torben Schwierzke Underwriter Financial Lines AIG Germany 2 ND HEALTH INSURANCE CONFERENCE 15-16 th March 2018,Vienna, Austria With the latest technology developments individuals become better and faster informed about their health, the diseases and what they can do in order to better protect themselves and the one they love. This disruption not only is challenging the industry but also give the insurers a great window of opportunity to maximize the growth and company s portfolio. The Health Insurance Conference 2018 will discuss how to keep up with the ever changing environment, what are the benefits and threats that the digital era pose to the Insurers and Healthcare industry and what are the latest trends and options in growing the business better and faster. PARTNERS: 3 RD CLAIMS & FRAUD FORUM 9-10 th May 2018, Amsterdam, The Netherlands Customer experience is a top priority for most insurers and the customer is at the center of many of the changes currently taking place in claims management. Yet the industry fails to keep pace in this digital age to manage claims and enhance customer s claims experience. Therefore, there is an urgent need for the industry to resolve claims management through digitization, considering that customer experience is going to be mobile and interactive. The 3rd Annual Claims & Fraud Forum will provide an exclusive platform on how to improve customer satisfaction and will share the biggest trends to assist you to stay ahead of the pack. Definitely a mustattend event Shape your future before someone else does and turn change into opportunity.