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Should you have questions about this report, please do not hesitate to contact a member of the Aon Benfield Analytics team, including:

Kathryn Moyse

kathryn.moyse@aonbenfield.com t: +44 (0)20 7522 8173

Eleanore Obst

eleanore.obst@aonbenfield.com t: +44 (0)20 7522 3823

Aon Benfield Research

AonBenfieldResearch@aonbenfield.com www.aonbenfield.com t: +44 (0)20 7522 3823

©Aon Limited trading as Aon Benfield (for itself and on behalf of each subsidiary company of Aon Corporation) (“Aon Benfield”) reserves all rights to the content of this report (“Report”). This Report is for distribution to Aon Benfield and the organisation to which it was originally delivered only. Copies may be made by that organisation for its own internal purposes but this Report may not be distributed in whole or in part to any third party without both (i) the prior written consent of Aon Benfield. and (ii) the third party having first signed a “recipient of report” letter in a form acceptable to Aon Benfield. Aon Benfield cannot accept any liability to any third party to whom this Report is disclosed, whether disclosed in compliance with the preceding sentence of otherwise.

To the extent this Report expresses any recommendation or assessment on any aspect of risk, the recipient acknowledges that any such recommendation or assessment is an expression of Aon Benfields opinion only, and is not a statement of fact. Any decision to rely on any such recommendation or assessment of risk is entirely the responsibility of the recipient. Aon Benfield will not in any event be responsible for any losses that may be incurred by any party as a result of any reliance placed on any such opinion. The recipient acknowledges that this Report does not replace the need for the recipient to undertake its own assessment.

The recipient acknowledges that in preparing this Report Aon Benfield may have based analysis on data provided by the recipient and/or from third party sources. This data may have been subjected to mathematical and/or empirical analysis and modelling. Aon Benfield has not verified, and accepts no responsibility for, the accuracy or completeness of any such data. In addition, the recipient acknowledges that any form of mathematical and/or empirical analysis and modelling (including that used in the preparation of this Report) may produce results which differ from actual events or losses.

The Aon Benfield analysis has been undertaken from the perspective of a reinsurance broker. Consequently this Report does not constitute an opinion of reserving levels or accounting treatment. This Report does not constitute any form of legal, accounting, taxation, regulatory or actuarial advice.

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