Soglasie Insurance Company LLC

KEY FACTS

Company Brief History

Door for commercial insurance

was opened

A statute on organization of

insurance business in the

Russian Federation No. 4015-1

was enacted

Protection of financial interests

and assets of the holding

Soglasie Insurance Company was

incorporated by one of the largest

investment companies - Interros

1992

2008

1993 2002

2013 2015

Participation in grouping of insurance

services market

This was a time of intense grouping

of the insurance market, operation

within insurance pool, where vehicle

insurance standards were developed

Intense growth

Soglasie Insurance Company joins

ONEXIM Group of companies and takes

a ply for intense growth.

Leadership in the Russian

insurance market

The company is in the top 5 of

insurance market by the volume

of premiums collected

Improving the efficiency

and portfolio optimization

The company's strategy is aimed at

qualitative development, improving

the quality of service and efficiency of

business processes

Members of ONEXIM Group

ONEXIM Group largely invests into ore mining and smelting industry, real property and

finance, as well as innovative projects and area of nanotechnologies

Soglasie is one the leaders on the Russian insurance market

UralKali is a global

leader based on

volume of potassium

chloride

manufacturing

Intergeo Managing Company –

mining and smelting company

Quadra is one of the key

enterprises ensuring power

supply for the European part of

Russia

RBC is the company that

consolidates assets of

RBC Information

Systems JSC

OPIN is the leading

Russian investment and

development company

MFK International

Financial Club

Multifunctional Russian

Commercial Bank.

Rusal is the largest

producer of aluminum and

alum shale in the world.

Renaissance Financial

Holdings is the leading

investment and banking

group in Russia, Ukraine,

Central Asia and African

countries

Optogan is the Russian

manufacturer of LED.

Snob

Media project with internet

portal and printed

magazine

3

4

History of Achievements of Soglasie

4

2.6 million people 300 tons of gold

1 trillion USD

65 billion USD

8.7 million vehicles

We have insured 2.6 million people

under Voluntary Medical Insurance

program over 20 years; this number

exceeds population of Paris.

472 billion USD is the cost of

industrial enterprises that we have

insured over 20 years. This number

exceeds cost of all industrial objects

of the SAR.

1 trillion USD is the amount of risks insured by the

company over 20 years. This number is greater

than GDP of the Netherlands.

65 billion USD is the cumulative capitalization of

companies for which we have insured liability of

directors over 20 years. This amount exceeds

capitalization of all shares traded at Luxemburg

Stock Exchange.

Over 20 years we have insured 8.7

million vehicles. This is 3 times

greater than number of vehicles in

Israel.

300 tons of gold have been

insured by the company over

20 years. This is greater than

Austria’s gold reserve.

472 billion USD

5

The high level of results

At the end of 2014 Soglasie (group) is in the Top-10 of largest Russian insurers in terms

of total premium and in the Top-5 by the payout

Market share of the financial statements

Soglasie group

6 6

Financial Stability

Based on results of 2014 the company received 34.5 billion rubles and paid 27.2 billion rub.

in 2014

More than 3,6 mln

customer contacts

the total insured sum under the contact

3 226 421

bln rub.

amount of registered capital amount of insurance reserves

12,2

bln rub. 8,4

bln rub.

Reliability

Reliability and trust of the russian and international rating agencies expressed on

the award of an annual confirmation of high grade.

7

• In 2015, the rating agency "Expert RA"

confirmed the reliability rating of our

Company at the level of A ++ ("extremely

high level of reliability" rating outlook

"stable")

• In 2015, the international rating agency Standard

& Poor's has assigned to our company a

financial strength rating and long-term credit

rating of “BB-”, as well as a national scale rating

at “rusAA-”, with a forecast "stable".

Product Line

Soglasie provides over 90 types of insurance coverage to large corporations, SME, public

agencies and individuals all over Russia.

• Insurance of apartments, houses, country

houses

• Obligatory motor insurance (OMTPL)

• Insurance of vehicles (comprehensive

automobile insurance)

• Mortgage insurance

• Personal insurance

• Insurance for tourists travelling abroad

• “Green Card”

• Other services

• Insurance of legal entities’ property

• Insurance of vehicles (comprehensive automobile insurance)

• Voluntary medical insurance

• Aviation, maritime insurance

• Cargo insurance

• Accident insurance

• Insurance of hazardous industrial objects

• Insurance of agricultural risks

• Insurance of construction and installation operations

• Other services

Insurance for legal entities:

Insurance for individuals

8

9

Broad Branchy Network

More than 450 branches of the company in 72 constituent entities of the Russian Federation

enable us to provide insurance protection and promptly settle insured accidents for more

than 1 million of customers regardless of where an accident took place

Reinsurance Cover

Soglasie always obtains reliable reinsurance coverage for large risk exposures

in all lines of business

Our partners are large international reinsurers:

10

Fire reinsurance protection of property and construction and

assembly risks

• EUR 100 000 000 – property insurance

• EUR 100 000 000 – construction and assembly risks insurance

Marine and aircraft hull reinsurance protection

• EUR 20 000 000 – marine hull insurance (HULL)

• EUR 40 000 000 – protection and indemnity insurance (P&I)

• EUR 5 000 000 – railway hull insurance (limit for one car)

• EUR 15 000 000 – aircraft hull insurance

• EUR 10 000 000 – helicopter hull insurance

• EUR 50 000 000 – cargo insurance

Liability reinsurance protection • RUB 350 000 000 – obligatory contract limit

Trade credits reinsurance protection • EUR: 20 000 000 – obligatory contract limit

Farm animals and fish reinsurance protection • USD 5 000 000 – obligatory contract limit

Hannover Re Group Gen Re

(USA. Reliability rating:

A++ by A.M. Best; AA++ by S&P)

Tamesis DUAL

(U.K. Reliability rating:

A+ by S&P)

(Germany. Reliability rating:

AA- by S&P; A+ by A.M. Best)

R+V Versicherung AG

(Germany. Reliability rating:

AA- by S&P)

Our values and principles

We give our customers feeling of stability through any financial turmoil and are ready to

assist customers in insuring their interests.

Customer-oriented approach and financial stability

We actively participate in shaping and improving insurance market in Russia, boosting

financial literacy and culture.

Technology and innovations

We are a Russian insurance company that promotes responsible approach to protecting

economic and social wellbeing of the nation.

Responsibility and professionalism

11

Quality of Services

• Regular monitoring of customers’ satisfaction with quality of the rendered services

• Prompt settlement of clients’ issues by the Department of claims

• Optimization of internal processes based on research results

• In 2015, the Insurance Company «Soglasie» confirmed a

Certificate, confirming compliance with the quality

management system ISO 9001-2008 (ISO 9001:2008)

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Technology

• Automated input and inventory of

insurance policies

• Insurance documents processing

High technology operation center

• Inward /outward telephony

• Information support in settling of losses

Modern call center

• Prompt arrival to the place of a traffic accident,

assistance with documentation, negotiations with

other traffic accident participants and

representatives of enforcement agencies

Internal service of average surveyors

• Comfortable office for settlement of losses

• Highly qualified experts

• Automated queue management system

• Optimal deadlines for perusing insured accidents

• SMS notification about settlement status

High Quality Settlement of Loss

13

Participation in trade associations

Soglasie is a member of the leading insurance and industry public associations, and is

taking part in insurance market improvement

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• All-Russian Insurance Association.

• Russian Union of Insurers.

• The National Union of Liability Insurers.

• National Union of Agricultural Insurers.

• Interregional Union of Medical Insurers.

• Russian Union of Builders.

• Expert Council on town-planning activity of the State Duma

Committee on Construction and Land Relations.

• Russian Association of Aviation and Space Insurers.

• The Association of International Road Carriers.

• United Leasing Association.

• Insurers Association of Fuel and Energy Complex of Russia.

• The association of insurance companies and transport

enterprises.

• The National Association of Insurers of the nuclear

industry.

• Russian nuclear insurance pool.

• Russian nuclear reinsurance pool.

• The Russian Union of Industrialists and Entrepreneurs.

Russian anti-terrorist insurance pool.

• Fund to promote the transport insurance.

• Moscow Association of Medical Insurance

Organizations.

• Association of Commercial Banks of the Orenburg

region.

• Insurance Association of the Ural region, "White Sable".

Company’s awards

The Russian professional community has highly appreciated Soglasie's achievements

and quality of service.

15

Golden Salamander Award -

nominations “Insurance

Company of the year”, "Internet-

project of the year in Insurance“,

2012

* These awards were presented for the period 2012 to 2014.

Golden Salamander Award –

nominations "Informational-

open organization of the year",

"The most attractive employer in

insurance industry",

2012

Financial Elite of Russia Award

Nomination “Dynamic

development”

2014

and

Financial Elite of Russia Award

Nomination “Reliability”

2013

Golden Salamander Award -

nomination “Dynamic

development“,

2013

www.soglasie.ru

8 800 755 00 01

Soglasie Insurance Co.Ltd. License issued by Central Bank of Russian Federation dated May 25, 2015:

PI № 1307, HI №1307, CI №1307-03, CI №1307-04, CI №1307-05