Company Profile 40 th AIO Conference Egypt 25 to 30 May 2013

1. Company Profile 40th AIO Conference Egypt 25 to 30 May 2013

2. About us

3. About us • Insurance service company: • Brokerage • Consultancy • Financial & Risk Management • Duly registered in Egypt under No: 22 by the Egyptian Financial Supervisory Authority • Paid up Capital: 3 Million Egyptian Pounds (Paid in Full) • Local knowledge & over 50 years International experience • Committed to excellence in Client servicing • Style: Integrity & Customer Best Advice approach

4. Mission Statement

5. Mission Statement • To protect and preserve the citizens assets, livelihood and health against risks and potential losses. • To offer world class insurance brokerage and consultancy services to our clients on both a corporate and an individual level. • To enhance consumer confidence and trust in insurance policies through reviving a corporate culture which stresses reliability and integrity.   • To cater to the individual needs of our clients using flexible insurance policies and professional consultancy services.

6. Shareholders

7. Shareholders • Red Squirrel S.A.L Offshore • Raya Holding • HazemDawood • Issa Asfour • Fadi Arab • Hassan Hossam

8. Shareholders • Red Squirrel S.A.L Offshore Red Squirrel SAL (Offshore) is a Lebanese family owned, offshore Company established in August 2009 by Antoine El Khoury, and holds shares in many Agencies, Brokerages and TPA companies throughout the Middle East.

9. Shareholders • Raya Holding Based in Cairo, Raya Holding was established in 1999 when 7 leading IT companies in Egypt decided to merge together to create the Middle East’s largest CIT company. Raya operates mainly in four lines of business, namely information technology, call center, and trade lines of businesses and smart building development. Along with its four lines of business, Raya Holding has recently expanded its portfolio by adding two new companies to its subsidiaries' list, namely OSTOOL for land and river transport and BariQ for plastic recycling and re-manufacturing. In 2005, the company got listed in the Egypt Stock Exchange (EGX). With over 3,000 employees, the group has branches in Saudi Arabia, the Gulf, Algeria, Nigeria and USA and caters to a customer base located almost anywhere in the world.

10. Shareholders • Hazem Dawood Hazem began his career in the insurance sector in 1983, where he worked at Suez Canal Insurance Company as a Producer and as a Manager of producers group, Production control and Production Control Headquarter. He later went on to work for Allied Investors Insurance, holding the position of the Production and Branch Managing Director, where he spent 3 years, from 1995 to 1998, and played a key role in the success of the company. Following his work with Allied Investors Insurance, Hazem was appointed as the Vice President of Care Egypt Ltd. Consulting and Risk management (Member of Aon Network), where he was responsible for the production of business in Egypt. In addition to his executive effort, Hazem holds several lectures in sales techniques and participates in the preparation of well known training courses such as TEAM CO. and MEAG. Hazem received his Bachelor of Accounting from the Faculty of Commerce, Cairo University.

11. Shareholders • Issa Asfour Prior to joining AAA, Issa spent 4 years working as the Head of the Marketing Department for Individual Life Business at Omnilife, Cyprus. Over the past 10 years, Issa has held a number of managerial and senior positions throughout his career in the insurance industry including his work at Sinco and UCA. Issa acquired several insurance licenses from the states of California and Georgia, in the USA, to conduct Life Assurance, Property and Casualty Business as both an agent and a broker.

12. Shareholders • Fadi Arab Prior to joining AAA, Fadi worked as a Group Life Manager at Omnilife, a British life insurance company located in Cyprus; he also worked at E.F. Hutton, an American stock brokerage firm. In addition to acquiring several insurance licenses and a stock broker license. Fadi is a business graduate and acquired most of his Degrees from London.

13. Executive Board

14. Executive Board • Antoine El Khoury: Chairman • Hazem Dawood: Chief Executive Officer • Maurice El Kalaany: Chief Operating Officer

15. Executive Board • Antoine El Khoury: Chairman Antoine started his career in the insurance business, working for many international insurance companies as a senior vice-president for the MENA region operating in Saudi Arabia from 1964 till 1986. With vast experience gained in the insurance industry throughout the Middle East and Arabian Gulf, in 1994 he was instrumental in the set-up and launching of Cumberland Insurance & Reinsurance Company SAL in Lebanon. Moreover, Antoine launched and managed several companies related to the insurance industry in Lebanon and the Arab world. Just some of the companies he managed include Insurance Companies, Insurance and Reinsurance Brokerage Companies and Underwriting Agencies, as well as TPA Companies and HMO.

16. Executive Board • Hazem Dawood: Chief Executive Officer Hazem Dawood is currently the Chief Executive Officer of Allied Arab Assurance Brokerage. He is responsible for the business management of the firm in Egypt.   Hazem began his career in the insurance sector in 1983, where he worked at Suez Canal Insurance Company as a Producer and as a Manager of producers group, Production control and Production Control Headquarter. He later went on to work for Allied Investors Insurance, holding the position of the Production and Branch Managing Director, where he spent 3 years, from 1995 to 1998, and played a key role in the success of the company. Following his work with Allied Investors Insurance, Hazem was appointed as the Vice President of Care Egypt Ltd. Consulting and Risk management (Member of Aon Network), where he was responsible for the production of business in Egypt. In addition to his executive effort, Hazem holds several lectures in sales techniques and participates in the preparation of well known training courses such as TEAM CO. and MEAG. Hazem received his Bachelor of Accounting from the Faculty of Commerce, Cairo University.

17. Executive Board • Maurice El Kalaany: Chief Operating Officer Maurice El Kalaany is currently the Chief Operating Officer of Allied Arab Assurance Brokerage. He is responsible for all operations; production, supervision, marketing, profitability and sales. Coming from a family with strong insurance experience, Maurice held several managerial positions during his professional career in the insurance sector that spans over 12 years, starting as a Producer to reach top managerial positions. He worked at several distinguished companies such as FIDELITY Assurance & Reinsurance co.sal and ALICO (American Life Insurance Company). He also understood the importance of specialized training and provided it to all of the new recruits on the various insurance products. Maurice received several awards owing to his professional expertise and successful track record and has been invited to attend many international insurance conventions. Maurice received both a Bachelor and a Masters Degree in Business Management.

18. Why AAA?

19. Why AAA? • Values: Great organizations are built on a solid foundation, which is why AAA follows a strict set of core values, based on meeting and exceeding customer expectations. AAA prides itself on always following its core values. • Reliability: Buying insurance is one of the toughest business decisions you’ll ever face. For this reason, we at AAA will walk you through the whole process from A-Z using our professionalism and experience. • Confidentiality: This is paramount to providing a professional service. • Security: The first thing that comes to our minds every time we make a major financial decision is security. AAA promises its clients a more financially secure future through its indispensable ability to pragmatically design your insurance plan to be compatible with long-term financial goals. • Trust: There are many things that money can’t buy and one of them is trust. Our impressive portfolio and reputation has earned us the trust among many on an individual and multinational corporate level. • Flexibility: We enjoy a special relationship with each and every one of our clients. In doing so, we cater to the individual needs of our clients in order to offer them a custom made and budget-friendly insurance plan. 

20. Why AAA? • AAA holds a Professional Indemnity Insurance policy that covers any professional mistake made against costumers with a limit of liability :1,000,000 EGP per claim(One Million Egyptian Pounds). • AAA holds a Fidelity Guarantee Insurance policy with a sum insured of 1,000,000 EGP (One Million Egyptian Pounds).

21. Comprehensive Individual Insurance Solutions • Individuals Segment • Full insurance protection in all lines: • Life • Health • Travel Insurance • Personal Accident • Home insurance • Motor • Personal Liability (homeowner, head of family)

22. Corporate Insurance Solutions • Tailor made corporate solutions: • Property (All Risks Physical loss or Damage) • Engineering Risks (Works & Machinery) • Casualty: Third party liability, Professional Indemnities and Directors & Officers • Decennial: 10 years Inherent Structure Building Defects • Bankers Blanket Bond • Employers Liability • Marine: Transport, Hull and Liabilities • Health • Group Pension schemes

23. Service Range • AAA will help you identify your current Risk framework • AAA will help you project your future Risk framework • AAA will help you choose and optimize your risk management techniques including risk mitigation • AAA will help you allocate risk financing needs • AAA will help you obtain risk transfer solutions at competitive cost through various supplier options • AAA will help you monitor the adequacy of your chosen insurance solutions and update them as necessary • AAA will help you file your claim as they may occur and ensure that adequate compensation is reached

24. Insurer Trading Partners • Allianz • MISR Insurance • AIG • ACE • Bupa • MetLife Alico • Royal • GIG • Arab Orient Takaful Insurance • Prime Health • Medicare • Egycare • Care Plus • Arope • Egyptian Takaful • Suez Canal Insurance • Wethaq Takaful • Iskan • Nile Takaful

25. Reach us at • Address: 28 Wadi El Nile Street-Mohandisin-Giza • E-mail: info@aaa-egy.com • Website: www.aaa-egy.com • Fax:+2 02 33466134 Mobile:+2 01099919317

26. Thank you AAAAllied Arab assurance brokerage s.a.e.