Member of ASIGEST HOL D ING

1. Member of ASIGEST HOLDING www.iandgbrokers.com

2. WHO WE ARE ASIGEST HOLDING www.asigestholding.com ALPHA BROKERS Italy www.alphabroker.it I&G BROKERS Bulgaria www.iandgbrokers.com BASCO Morocco www.basco-assur.ma ASIGEST Romania www.asigest.ro ASIGEST Germany www.asigest-group.com CONCEPT INVEST Serbia www.osigurajse.com

3. COMPANY PROFILE • Leading international insurance and reinsurance broker, member of ASIGEST HOLDING. • Licensed insurance broker in compliance with the Bulgarian insurance legislation. • Established in 1994and servicing more than 130 000 clients today. • Member of: • UNiBA-PRTNERS and exclusive representative for Bulgaria • Bulgarian Association of Insurance Brokers (BAIB) • European Insurance Brokers Consortium (EIB) • German-Bulgarian Chamber of Commerce and Industry • Confindustria Bulgaria Providing all types of compulsory and voluntary insurance products. High professional and ethical standards in our work and attitude toward our clients. Large variety of provided insurance programs and services. BGN 48.152 million insurance premium turnover for 2011. BGN 5 billion managed insured assets of our clients. Since 2009 ranked first among Bulgarian insurance brokers with market share of 7.20% in 2010 alone.

4. PARTNERSHIP • A member of UNiBA-Partners since 2004 and an exclusive representative for Bulgaria, I&G Brokers has gained access to: • global insurance know-how and international best practices for risk management • new effective working methods • service of global insurance programs • international standards and innovation • services to our customers worldwide through local partner brokers UNiBA Partners is an independent global network that provides insurance broking, risk management and employee benefits solutions to businesses and organization in over 120 countries, with 250 offices, using the experience of over 3400 experts.

5. PARTNERSHIP Since 2010 I&G Brokers is an official member of the German-Bulgarian Chamber of Commerce and Industry (DBIHK) which acts as a liaison between the economies of Germany and Bulgaria. The network of over 450 members includes German, Bulgarian and other international companies. I&G Brokers joined Confindustria Bulgariaas an official member in 2003. The Confindustria(the largest Italian business association) has set as a foremost objective the strengthening of its relationship with local authorities, organizations and entrepreneurs in the region. A member of EIB Consortium since 2009, I&G Brokershas benefitted from obtaining valuable know-how due to the sharing of specific experience in the area of insurance brokerage.

6. OUR SERVICES THE ROLE OF THE BROKER Legal entity that represents clients in dealings with insurance companies and all activities related to insurance. Always protects the clients’ interests, not the interests of the insurance company. Manages the risks associated with clients’ business through structured individual insurance programs. Seeks out creative solutions and explores alternative programs for protection and prevention. Develops, recommends, negotiates and implements cost-effective insurance covers. • Delivers administrative support. • Provides access to the worldwide insurance marketplace. • Acts as an insurance lawyer to the client. • Controls claims handling procedures. • Keeps full confidentiality with respect to the information provided by, or exchanged with, the client in the course of the partnership.

7. OUR PRODUCTS TYPES OF INSURANCE Property Electronic equipment Machinery Breakdown C.A.R. Motor Cargo in transit Liabilities Financial risks Personal Accident Life Travel assistance Employee benefits Health insurance CORPORATE CLIENT SERVICES Substitute the need of a client’s own structure, specifically dealing with risk control and management associated with the particular business. Define the risk profile and find the best solutions offered on the insurance market. Create specialized insurance programs for various industrial segments of the business. Offer specific solutions for typical problems in the specific field. Negotiate individual benefit schemes for “no claims” or “low loss ratio” profit commission. Create a targeted strategy for the business risks management - from prevention program to the alternative transfer solutions.

8. WHO WE WORK WITH As a certified insurance broker, I&G Brokers works with multiple accredited insurance companies based in Bulgaria, among which: BULSTRAD VIENNA INSURANCE GROUP DZI KBC ALLIANZ BUL INS GENERALI QBE CHARTIS OLYMPIC ARMEEC LEV INS INTERAMERICAN VICTORIA HDI BAEZ UNIQA GRAWE

9. OUR CLIENTS CLIENT PROFILE Individuals Small and medium-sized enterprises Large companies International companies Governmental institutions CLIENT PORTFOLIO Bulgarian companies Sinergon Holding Bon Marin Holding Nord Holding GalchevHolding SK-13 holding SOMAT Meridian 21 Megatron Toplivo Translend Bilboard VezSvoghe Rollplast Valmeks Nikrommebel On travel Verta Top group ASO Sirius Unisek Bestimex Unicom Headquarters Protex MD Trans Adkom Iritrade Zorov91 Sibila Kamax Istra Brainstorm Energy Group SheleBulgaria Cabelcomers Putingineering-T Viki Comfort International companies PVB Power Bulgaria City Gas RilaGas KauflandBulgaria GCF Consortium Pirintex( Rollman) Bulsafil InjectosondBulgaria Salvamed 2XL Bulgaria PublicisGroup TelevicBulgaria New Yorker Bulgaria Bayer Bulgaria PrintecBulgaria Navigare Italpapers Balkan progeti CefinBulgaria Renault Trucks ConstruzioniDondi ConsorzioCooperative Maxima Bulgaria Layer Bulgaria TelevikBulgaria La Sapienza KirchDorfer Bulgaria Beck Reisen ASIC Depot R&M Bulgaria Banks and financial Institutions EurobankEFG Bulgaria EFG Leasing Deutsche Leasing Bulgaria MKB Autopark Finance Leasing Other institutions Embassy of USA Embassy of Italy Bulgarian national audit office Ministry of Education, Youth and Science Gambling Commission Executive Agency Medical audit Sofia water Metropolitan Municipality Bulgarian Institute of Meteorology SmiadovoMunicipality

10. BRANCH NETWORK HEAD OFFICE Sofia 118 Bulgaria Bul. Tel: +359 2 813 88 00 Fax: +359 2 813 88 26 office@iandgbrokers.com www.iandgbrokers.com OFFICES IN SOFIA: Office - Orlov most 3B Yantra Str. Office - Mladost Mladost 1А, block. 509, ent. 2-3 tel.: +359 2 975 31 44 Office – Liulin Liulin, Co-operative market, Iskra pavilion 19-20 tel.: +359 2 925 08 15 Office Slatina 2A, Temenuga Str. tel.: 02/971 38 00, 02/971 38 51, fax: 02/971 45 59 Office RuskiPametnik 50, Macedonia Blvd. tel./fax: 02/ 952 25 17 office OVCHA KUPEL Str. Montevideo block №508 tel.: 0888818825 Office BeliBrezi Str. Vorino № 21 tel.: 0886/320952 Office – Burgas 58, Bogorodi Str., fl. 1 Tel.: +359 56 823 011 Office - Pleven 4, D. Konstantinov Str., fl.1, room 3 Tel.: +359 64 801 449 Office – Montana 1A, L. Karavelov Str. Tel.: +359 96/ 300 797, 300 798 Office - Varna 19, MihailKoloni Str. Tel.: +359 52 607 242 Office – Stara Zagora 70, HristoBotev Blvd. Tel.: +359 42 600 778 Office NADEZDHA bul. LomskoShuse, bl. 172 tel.: 0888/744103 Оffice DRUZHBA infront bl. 210, object 24 tel.: 0886/403235 Оffie MLADOST 1 bl.74А, store 4 tel.: 0886/209996 REGIONAL OFFICES: Office - Plovdiv 105, ShestiSeptemvri Blvd., tel.: +359 32/ 625 378; 65 74 68 AvksentiiVeleshki str., Complex Simfonia Tel/fax: 032/62 53 97 27, Brezovska str. Tel/fax: 032/966 716

11. BRANCH NETWORK Office – VelikoTarnovo 11, TzankoCerovski Tel.: +359 62 601 418 Office - Shumen 78, Tsar Osvoboditel Str., fl. 1 Tel.: +359 54/ 832 100 Office- Gabrovo 44, Opalchenska Str. Tel. +359 /66/ 806 060 Office- Samokov 87, Iskar Bul. tel: 0885 311 754 Office – Petrich 2, Pere Toshev Str. Tel.: +359 745/ 61 951 Office – Haskovo 1, Bulgaria Blvd. Tel.: +359 38/ 623 836 Office – Turgovishte 4, Shipka Str. Tel.: +359 /601/ 23975 Office - Troyan 28, General Kartzov Str. tel. +359 /670/6 29 00 Office - Asenovgrad 12,Tzar Ivan Asen II Str. tel. +359 /331/22 888 Office - Sliven HadjiDimitur №23 tel . +359 /44/631396 Office - G. Oriahovitza 1, Sv. Kniyaz Boris I Str. Tel. +359 /618/60709 Office Vratsa 16, Demokratsia Str. SUMI fl.2 Tel.: +359 92 626 699 Office – Rousse 11, Aleksandrovksa Str. Tel.: +359 82/ 822 176 Office – Pazardzhik 28, Tsar Shishman Str. Tel.: +359 34/ 448 693 Office - Vidin 18, Bdin tel.: 0885 066 606 Office - Razgrad Str. VasilLevski №8 tel.: 0896 765 427 Office - Blagoevgrad Str. VasilLevski №20A tel.: 0887 749 987 Office- Harmanli 24, Bulgaria Bul. Tel. 0373/ 90029 Office- Sevlievo 77, St.Peshev Str. Tel. 0675/800 43 Office- Pernik Pokritiya most Tel. 076/ 606 777 Office - Dobrich str.GeorgiKirkov tel. 0885 055 372 Office - Sandanski str. Serdika №10 tel: 0885276463 Office- Karnobat 8, Al. Neychev Str. Tel. 0878 776 614 Office- Lovech 5, Khan Kubrat Str. Tel. 068/600 102 Office- Kyustendil 94, Tsar Osvoboditel Str. Tel. 078/523 672