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Presentation of the GroupSIACI SAINT HONORE

April 2014

MULTI-SPECIALTY INSURANCE BROKERAGE AND CONSULTING GROUP

SIACI SAINT HONORE 14 Apr 2023

Global services, specialist approach

Key Figures

+ 3,500 clients

€244 millionturnover

Corporate sales: €220 MIndividual life insurance: €24 M

Around 1,500 employees

+ 200 international Property & Casualty and Marine plans managed

from Paris

+ 1,2 million insured members in France and worldwide

99% corporate risk

Ranking

#1 in Construction #1 in insurance for Marine,

Logistics & Supply Chain sector #1 in Group Pensions Plans

#1 in International Mobility #3 in Group Health and D&D

#3 in P&C and Third-party Liability

Multi-specialty insurance brokerage and consulting group

BROKERAGE, CONSULTING, ADMINISTRATION AND TRAINING

Health and Life insurance in France and worldwide

Healthcare, Death & Disability

Employee pensions savings plans

International audit

Assistance, Repatriation

HR Strategy & Total Rewards

SPECIFIC AREAS OF EXPERTISE

Agri-food, Automobile, Consulting and Engineering, Construction, Distribution, Energy, High-tech, Financial institutions, Luxuries, Oil & Gas, International organizations and NGOs, Regulated professions, Healthcare, Telecommunications, Transport, etc.

Corporate insurance (Property & Casualty and Marine)

Property & Casualty, Civil liability

Marine

Credit, Political risks

Construction

Automobile, Financial risks

PROPERTY & CASUALTY AND MARINE

INTERNATIONAL MOBILITY

RETIREMENT

DEATH & DISABILITY / HEALTHCARE in France

A balanced group


Client-centered consulting and services

OUR VALUES

Client satisfaction, our objective

A culture of premium service

A personalized client relationship based on trust: each client is a partner

Tailor-made solutions

Availability, our culture

A flexible and reactive organization on a human scale

A client-focused organization dedicated to managing their specific needs

Innovation, our driving force

Day-to-day anticipation of risks and markets

A continual search for new services and products to meet changing customer needs

Independence, our conviction

A shareholding structure which guarantees stability and independence from key market players

Freedom of choice of network, tools and resource assignment


Quality at the service of companies

ISO 9001 Certification

for brokerage activities and for the

administration of benefits plans and associated services in France and worldwide.

The group is committed to a

process of continuous improvement across all its

activities guaranteeing

standardized quality of service throughout

the world.


An independent broker with an international focus

Strong international culture + 40 languages spoken+ 60 nationalities


UNIQUE CAPITAL STRUCTURE

Near 120 managers hold shares in the company

Our shareholders provide stability and independence from key market players

30%

19%26%

10%

15%

A THIRD OF EMPLOYEES WORLDWIDE

Four regional headquarters forHealth & Life insurance: Calgary, Paris, Dubai, Shanghai andtheir offices

One captive management subsidiary in Luxembourg (2RS) and its offices(Switzerland and Malta)

One brokerage firm in Luxembourg (SIACI&PARTNERS)

One brokerage firm specialized intrading in Switzerland (SIACI&PARTNERS)

One brokerage firm in Switzerland (UNIRISC)

Management

La Compagnie Financière Edmond de Rothschild

CATTLEYA FINANCE SA (Société d’investissements privée)

Jardine Lloyd Thompson (JLT)

Paris Orléans

LUXEMBOURGSwitzerland• •


An international network centered in Paris

A KEY PARTNER: JARDINE LLOYD THOMPSON (JLT)

JLT International Network : 2nd largest brokerage network in the world

Engineering and promotion of the network based on service efficiency

One contact in Paris, the starting point to roll out programs in all countries

Local partners selected according to their expertise

Shared standards with partners in terms of quality, performance,keen sense of customer service, etc.

Ongoing, proactive relationship with local brokers

Dedicated tools for the management of international programs

Network presence


The heart of the European network:

6 independent brokers

- SIACI SAINT HONORE (member of the network since 1991)

- JLT

- GrECo Group (Austria)

- Ecclesia Gruppe (Germany)

- Marine & Aviation JLT (Italy)

- March-JLT, Corréduria de Séguros (Spain)

A flexible network united by common values: excellence,

customer satisfaction and a keen sense of customer service

+ 7,600 employees across the network

Partnership with local brokers

in more than 135 other countries

OUR AREAS OF EXPERTISE


Property & Casualty and Marine

Analysis and consulting in risk management

Vulnerability analysis (protection and prevention)

Contractual audit

Statistical analysis

Risk transfer optimization

Risk financing

Retention optimization

Risk placement in the insurance market

Alternative financing (captives, etc.)

Technical solutions – All business areas Property & Casualty, Civil liability, Prevention and engineering,

Marine, Credit and Political risks, Construction, Automobile, Financial risks, etc.

Personalized support services

Prevention and engineering

Dedicated technical/claims teams

Customized reports and tools

Project mode organization (flexibility, expertise, availability)

Key Figures

+ €1,650 million annual premiums

75,000 claims handled annually

+ 200 international plans managed from Paris

10,000 certificates issued annually in transport insurance

20% of large French companies are clients

Meeting client needs in: Cost control

International roll-out Reporting

Technical expertise Flexible organization

Our areas of expertise


International support services in Property & Casualty and Marine

Coordination and roll-out of international programs

Assistance, consulting and services to local subsidiaries

Audit of local policies

Control and monitoring procedures, Reporting and Communication

International information and management tools

Information on the local environment

Market surveys and benchmarking data


+ 200 international plans managed from

Paris

Comprehensive support services

Innovating solutions


Some of our clients: Property & Casualty and Marine


VINCI

AREVA

TOTAL

GROUPE CAT

SAUR

ALSTOM

LVMH

SAFT

VIVENDI

DEMECO

SOCIETE GENERALE

DALKIA

GROUPE SOUFFLET

BEL

VINCI ENERGIES

IMERYS

CMA CGM

SCHNEIDER ELECTRIC

BOLLORE

ED&F MAN

RICHEMONT

ERAMET

SFR

BOUYGUES

GDF SUEZ

ST MICROELECTRONICS

GROUPE SOPARIND BONGRAIN HERMES


Death & Disability / Healthcare

Consulting / Engineering Financial and technical inventories Design and roll-out of insurance programs Invitations to tender Support in contractual negotiations including with social partners Management of death & disability and healthcare plans

Third-party administration

One claims department in France (Clichy)

Technical teams trained on medical confidentiality

Issue and sending of premium invoices and collection of premiums; management of group and individual premiums; handling of sick leave/death claims; follow-up of payments and processing turnaround time.

Personalized and innovating services Risk management solutions: healthcare, death & disability,

care networks Dedicated and secure information systems for corporate clients

and insured members Communication, Market intelligence and Surveys

Key Figures

+ 1,000 clients

850,000 beneficiaries

Direct billing available from many healthcare providers

+ 110,000 agreements

€600 millionDeath & Disability/Healthcare premiums collected annually

23% of the top 300 companies in France

+ 37 third-party administration agreements with insurance

organizations

Meeting client needs in: Financial optimization

Risk management Legal advice

Promotion of HR policy



Employee Pensions Savings Plans

Engineering and consulting

Audit, design of and changes to pension and employee savings plans

Organization of invitations to tender (insurance, account monitoring and financial management)

Retirement plans for internationally-mobile employees

Actuarial consulting/technical support

Recognition and measurement of corporate liabilities (IAS19)

Audit of the profit and loss statement / life annuity revaluation reserve

Communication and training

Information sessions / training on pension and employee savings plans

Retirement forecast: employees, executives, expatriates and mobile employees

Facilitating finance committees / supervisory boards (Art. 83-39 – company savings plans – group pension savings plans)

Employee information guide

Legal intelligence & benchmarking

Administrative management of pensions

Administrative management of retirement and pre-retirement programs

Two types of management: in place of the insurer or mandated by the employer

Key Figures

+ 500 corporate clients

1,875 billion funds managed

17,800 pensions managed

+ 1,300 pre-retirement pensions managed

1,700 employees enrolled in programs

€145 million premiums collected annually

Meeting client needs in: Providing HR and Financial

vision Organization of joint

commissions Training sessions for HR managers and employees

Employment history tracking in France and worldwide



International support services to local employees


Global services

International programs managed in around 50

countries from Paris

Advice on economies of scale

Organization of international

HR committees

Training sessions on pooling

Focus on specific countries

+ 25 Pools managed

Global audit

Inventories and analysis of existing programs

Information on regulatory requirements and legal compliance

Market practices, benchmarking

Recommendations, standardization and optimization strategies

Global coordination and management of local programs

Pooling

Implementation of a reinsurance process for complementary policies of multinational companies’ subsidiaries

Advice on selection of international insurer partners

Analysis and presentation of consolidation in an international account

Convergence, monitoring, management and development strategies

Local solutions

Occasional actions on specific issues

Analysis of issues at stake and review of solutions with the network partners

Organization of invitations to tender, implementation and monitoring


HR Strategy & Total Rewards

CONSULTING SERVICES FOR HR AND C&B POLICIES

Audit and diagnosis of compensation and employee benefit plan systems

Compliance analysis

Suggestions to standardize and optimize benefit plans

Budget adjustment

Employee feedback surveys on their benefit plans

Recognition of corporate liabilities and conditions under which employee benefit plans are maintained in the event of Due Diligence/Merger-Takeover.

Analysis of salary and incentive compensation policies

Adjustment of compensation, retirement, healthcare and death & disability packages of internationally-mobile employees

Support services to senior employees Develop the Senior Plan and align it with the strategic workforce planning

Make transition between employment and retirement easier

Management of absenteeism and Prevention of work-related risks Diagnosis and tools for prevention and for return to work

TERMS OF CONSULTING

Consulting fees / Our HR and C&B experts organize on-sitemeetings on a “transition management” mode.


Transition management

& Due Diligence

Professional support services on HR

and C&B missions

Risk and budget management

Cross-company approach to direct

and deferred compensation tools

+ 1,000 individual retirement forecasts

conducted


Training


Training sessions or strengthening of skills

of HR managers on Comp & Ben tools

and policies

Keys to claim handling

Professional services provided with practical

case studies

Service qualifying for the DIF (individual right

to training) or eligible to be included in the

training budget

1,000 employees trained

SIACI SAINT HONORE TRAINING SESSIONS

Targets: HR, C&B managers, social partners, legal experts, chief financial officers, insurance directors, administrators, employees

Our offers (excluding tailor-made training sessions)

Pooling: optimization of your international health & life insurance programs

Corporate death & disability and healthcare systems

Disability, incapacity, infirmity, handicap: what are the impacts on employee benefits and pensions?

Retirement: retirement school, expatriates’ retirement, transition from employment to retirement

Directors’ compensation

Third-party liability and building insurance

Marine Insurance

Terms of training sessions

Standard or expert modules

Intra- or intercompany option


Some of our clients: Death & Disability/Healthcare/Company pension savings plans and international support services to local employees


AREVA

ORGANISATION INTERNATIONALE DE LA FRANCOPHONIE

HEINEKEN

AUCHAN

TECHNICOLOR

ALSTOM

SOCIETE GENERALE

HOLCIM

ERNST & YOUNG

LA BANQUE POSTALE

GDF SUEZ

MICHELIN

SAFRAN CMA CGM

VINCI

SAINT GOBAIN

BOLLORE

RICHEMONT

DANONE

ERAMET

BULLAIR FRANCE

NEXANSADEO


International Mobility

Global solutions and unlimited coverage Group solutions for companies and organizations,

individual solutions and third-party administration services Standard and customized healthcare and death & disability coverage

from the 1st € / USD / CHF /GBP or other currency, complementary to the Caisse des Français de l’Etranger, local basic schemes or French Social Security

Retirement Third-party liability Assistance / Medical repatriation Moving insurance Legal protection

Four regional headquarters

Integrated claims departments Four integrated claims departments in Paris, Calgary, Dubai and Shanghai Consulting physicians within the teams and knowledge of local

healthcare systems

Global network International department managing the global network 6,700 in-network medical facilities and access to 860,000 healthcare providers

Personalized support services Training, Communication, Market research and benchmarking


Key Figures

+ 2,000 corporate clients

330,000 insured members worldwide

Reimbursements in150 currencies

4 regional headquarters: Paris, Calgary, Dubai and Shanghai

Telephone lines open

24/7

+ than 40 languages spoken

and 60 nationalities

Meeting client needs in: Cost control

Risk management Care networks

Legal advice


Some of our clients: International Mobility


SCHLUMBERGER

GROUPE YVES ROCHER

MICHELIN

TRANSOCEAN DOCTORS WITHOUT BORDERS

AIR FRANCE ITER

CONOCO PHILLIPS

L’OREAL

SAFRAN

SGS

AFRICANDEVELOPMENTBANK

THE GLOBAL FUND

ERAMET LAFARGE

HACHETTE DISTRIBUTION SERVICES

PREMIERES URGENCES

ACTEDSUNCOR ENERGY

ENSCO

TALISMAN ENERGY

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