Overview of AUB Pro Risk Program Nick Codd

Overview of AUB Pro Risk Program Nick Codd Managing Director, Professional Lines Austbrokers Professional Services Pty Ltd

Austbrokers Group PI Plan 2017 $200 m Limit ($810 m agg) $25 m + 2 reinstatements $75 m + 2 reinstatements - Costs inclusive 1 May Renewal Date $40 m + 4 reinstatements Green = shared by all Firms $50 m + 4 reinstatements $10 m e. e. c xs $810 m “Sideways” Policy Blue = Limit/Excess per Firm $5 m + 5 reinstatements In-fill $100, 000 any one claim/ $1. 5 m in the aggregate o Individual Firm’s Excess (Max: $50, 000) (Costs Exclusive)

Austbrokers Group PI Plan 2017 - the Insurers $25 m DUAL Australia (Lloyd’s) $75 m Lloyd’s/London Markets $40 m $50 m 1 May Renewal Date Lloyd’s/London Markets $10 m “Sideways” Policy Lloyd’s (100%) $5 m Lloyd’s/London Markets $5 m - NIBA QBE 40%, CGU 27%, Allianz 16. 5%, Vero 16. 5% $1. 5 m In-fill – QBE Australia (100%) 0 Individual Firm’s Excess (Max: $50, 000)

Management Liability § Chubb Fore. Front ML Product with AIMS endorsement. § $5 m limit with some members increasing to $10 m Ø Ø Crime at $1 m Statutory Liability at $1 m Internet Liability at $2 m Kidnap, Ransom & Extortion at $1 m § Group ML ‘top up’ policy to overall limit of $5 m for Crime and $3 m for Statutory Liability.

Security & Privacy (Cyber) § $20 m Policy with Zurich including endorsement for related entities and ARs. § AUB Group and all member firms covered § $20 m limit for each coverage section but $20 m in the aggregate: Ø Ø Ø Privacy breach costs Digital asset replacement expense Security & privacy liability (+ regulatory defence proceedings) Business income loss Cyber extortion threat & reward payments Multi-media liability. § Excess is $15, 000 per member firm and $50, 000 for AUB Group Ltd.