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About Aon

Aon plc (NYSE:AON) is the leading global provider of risk management, insurance
andreinsurance brokerage, and human resources solutions and outsourcing services. Through its more
than 66,000 colleagues worldwide, Aon unites to empower results for clients in over 120 countries
via innovative and effective risk and people solutions and through industry-leading global resources and
technical expertise. Aon has been named repeatedly as the worlds best broker, best insurance
intermediary, best reinsurance intermediary, best captives manager, and best employee benefits consulting
firm by multiple industry sources. Visit for more information on Aon to learn about Aons global partnership with Manchester United.

Industry Leading Global Resources

Our industry-leading global resources, technical expertise and industry knowledge are delivered locally through
more than 500 offices in more than 120 countries. Aon was ranked by A.M. Best as the No. 1 global insurance
brokerage in 2009, based on brokerage revenues, and voted best insurance intermediary, best reinsurance
intermediary and best captives manager in 2010 by the readers of Business Insurance.
Aon recognized many years ago that our clients want products and services built around their unique needs and
provided by professionals with deep expertise in their industries and local markets. We saw that globalization
demanded two capabilities: gather the best thinking from around the world and then deliver solutions locally. With
worldwide distribution, a vast base of intellectual capital, and leading technology, we have built a professional
services company to achieve these important goalsall focused on areas increasingly in demand: insurance
brokerage, risk management, and human capital consulting.

Insurance and Risk Management

Insurance and risk management is now widely viewed as a critical boardroom issue. It is the cornerstone of every
companys capital structure. A poorly constructed program may leave your organization vulnerable to major longterm setbacks, or worse, insolvency and bankruptcy. When well-designed, an insurance and risk management
program frees you to pursue your visionunhindered by concerns that you may need to hoard precious financial
capital or maintain unusually high levels of liquidity.

Human Capital Consulting

Aon Hewitt is among the worlds top global human capital and management consulting firms, providing a
complete array of consulting, outsourcing and insurance brokerage services. Our professionals possess
extensive knowledge and experience in a variety of fields and help companies of all sizes attract and retain top
talent. We can help you achieve better business results by finding, developing, motivating and rewarding
employees in ways that fit with your broad financial and business goals.

Reinsurance is critical to helping insurance companies underwrite risk profitably, while preserving or enhancing
capital strength and ratings. Aon Benfield, the worlds leading reinsurance broker and intermediary, provides
clients with integrated capital solutions and services, delivering objective advice and fostering competition among
highly rated reinsurers and an expanding array of new and alternative capital providers. Clients are better able to
differentiate and meet their business objectives with our treaty and facultative reinsurance placement services,
capital markets expertise, and relevant analytics and technical expertise, including catastrophe management,
actuarial and rating agency counsel.
To effectively deliver these, and other, services, Aon has developed a global network of local resources brought
together via our Global Business Units and a Strategic Account Management system. These resources let us
deliver services around the worldto multinational companies, small businesses, independent agents or brokers,
associations and affinity groups and even individual consumerswith the local expertise necessary to meet your
specific needs.

Business Structure
Aons business is structured to deliver the best, most effective solutions to our clients around the world. Aon
companies, wherever their location, operate closely with each other to provide the best resources for your

A Wealth of Resources
To provide consistent service, Aon has established Global Business Units that bring a common corporate culture
to their work across borders. Every Global Business Unit is structured to focus on global clients and is connected
through a shared purpose and vision, uniform standards and state-of-the-art technology. This worldwide network
of companies lets us tap into the most innovative risk solutions, no matter where they were created: An industry
expert in Europe can access recently updated information in the United States and deliver a solution seamlessly
to a client in Asia.

For multinational companies, these resources are brought together by a Strategic Account Manager, whose sole
task is to understand your business in order to match the appropriate skills and resources within Aon to your
unique situation. Companies who operate in a single region benefit from a local representative who understands
their issues and how to best address them. No matter your companys size and reach, we work closely with you to
define and understand your enterprise-wide risk profile.
Explore Aons resources through our primary businesses:

Aon Hewitt
Aon Benfield
Aon Risk Solutions

Aon Hewitt Human Resources Services

Aon Hewitt is the worlds pre-eminent human resources consulting and outsourcing firm with the resources,
expertise, and global reach to solve the most pressing and complex people challenges that organizations face
We employ the strongest team of professionals in the industry, who have access to the widest breadth and depth
of research, platforms, and services in more locations and for more industry segments than any other human
capital firm. Our singular focus is on our clients: We deliver distinctive value, top-rated customer service, and
measurable business impact.

Human Resources Consulting Services

The importance of people to the global economy has never been greater. CEOs increasingly rate human
resources issues among their top challenges and business priorities. To compete effectively, businesses need
strategies for attracting, rewarding, retaining and motivating the best talent in their industry.
Aon Hewitt consultants are helping companies solve some of their most complex people challenges. We work
with clients to design incentive programs, manage pension risk, develop investment strategies, optimize
organizational structures to improve business results and guide clients through retirement, pension and health
care reform. No team is better equipped with industry-leading talent, proactive thought leadership and innovative
solutions than Aon Hewitt.

Aon Hewitt Benefits Administration

Whether your organization is a complex global enterprise or a growing mid-sized business, Aon Hewitts
outsourcing solutions improve benefits delivery, reduce compliance risk and enable our clients to focus on more
strategic issues.
Our integrated, scalable approach to benefits outsourcing allows organizations to outsource major components of
their HR function, such as retirement and health and welfare administration. We have the domain expertise,
quality, processes and technology to manage complex HR organizations and offerings to improve the ROI of our
clients HR investments.

HR Business Process Outsourcing (HR BPO)

Many organizations outsource multiple HR processes to cut costs, create a more strategic HR function, and
deliver improved service to a global workforce. Aon Hewitt helps organizations outsource multiple HR processes
to a single provider, creating a more strategic HR function, transforming delivery models and improving service to
As the largest HR BPO provider in the world, we handle more than 70 million HR-related customer interactions
each year for nearly 20 million employees, retirees and their families. We have a proven approachbacked by a
configurable, scalable technology platformto help clients migrate to leading HR standards and practices at a
pace thats right for the organization.

Aon Benfield

Aon Benfield, a division of Aon plc (NYSE: AON), is the worlds leading reinsurance intermediary and fullservice capital advisor. We empower our clients to better understand, manage and transfer risk
through innovative solutions and personalized access to all forms of global reinsurance capital across
treaty, facultative and capital markets. As a trusted advocate, we deliver local reach to the worlds
markets, and an unparalleled investment in innovative analytics. With more than 80 offices in 50
countries, our worldwide client base has access to the broadest portfolio of integrated capital solutions
and services.
Aon Benfield Analytics offers clients industry-leading catastrophe management, actuarial,rating agency
advisory and risk and capital strategy expertise. In placements, we quantify the effectiveness of reinsurance and
help structure optimal risk transfer programs. Beyond the placement, we provide solutions for risk and
concentration analysis, portfolio optimization, catastrophe modeling, pricing and cost recovery, and economic
capital modeling. Aon Benfield Analytics, together with our leading broking teams, helps clients fully consider the
capital, income, regulatory and rating agency implications of all risk transfer transactions. Proprietary tools
include ReMetrica, ImpactOnDemand and Cat Score, Also, our Impact Forecasting team develops tools and
models that help you understand financial implications of natural and man-made catastrophes around the world.
Our Annuity Solutions Groupprovides clients with variable annuity risk management and trading consulting, high
performance computing solutions and investment advisory services.
Claims, Contract Wording and Client Services
Effective reinsurance client service focuses on meeting your needs, at any time, in any place. Emphasizing the
importance of accountability, superior communication and transparency, Aon Benfield uses state-of-the-art
technology and employs industry-leading professionals to deliver claims, accounting, contract wording and market
security expertise. ABConnect is our proprietary portal providing access to account data including claims,
accounting, payments and market analysis, as well as a full range of account handling features.
Facultative Reinsurance
Aon Benfield Fac is the worlds leading facultative intermediary, providing clients with transactional services and
risk advice in the facultative sector. As a division of Aon Benfield, we work closely with our Treaty, Analytics and
Investment Banking colleagues to offer our worldwide client base the broadest portfolio of integrated capital
solutions and services. FAConnect is our award-winning web portal that helps clients to easily and efficiently
submit risk placements and complete facultative transaction.
Inpoint is a consulting and solutions services firm uniquely created by professionals from the insurance industry
and for the insurance industry. It is dedicated to partnering with insurance companies to improve their financial
performance across all value drivers through strategy formulation and execution, effective claims management
and operational excellence.
Investment Banking Group
Aon Benfield Securities, Inc. and Aon Benfield Securities Limited (collectively, Aon Benfield Securities) provide
insurance and reinsurance clients with a full suite of insurance-linked securities products, including catastrophe
bonds, contingent capital, sidecars, collateralized reinsurance, industry loss warranties, and derivative products.
As one of the most experienced investment banking firms in this market, Aon Benfield Securities offers expert
underwriting and placement of new debt and equity issues, financial and strategic advisory services, as well as a
leading secondary trading desk. Aon Benfield Securities integration with Aon Benfields reinsurance operation
expands its capability to provide distinctive analytics, modeling, rating agency, and other consultative services.
Treaty Reinsurance
As the worlds leading treaty reinsurance broker, Aon Benfield is uniquely positioned to provide you with flexible
treaty programs, structured and priced in ways that reflect your unique objectives and underwriting profile.
Our experts are aligned with specialty practice groups that use industry experience, advanced analytics, capital
market products and strong market relationships to identify markets for clients and support the creation of new
capacity to address the changing needs of our clients.

Aon Risk Management Solutions

Our team of expert risk advisors applies a client-focused approach to risk products and services that leverage our
global network of resources, industry-leading data and analytics and specialized expertise. We work with you to
design creative, personalized risk solutions delivered seamlessly, anywhere in the world, though a local point of
contact. Click here to download a brochure providing an overview of how we work with clients and the solutions
we provide.

Actuarial Risk Assessment

Aon's actuarial risk assessment specialists evaluate the financial impact of current economic, legal and social
trends and use these insights to help you design sound strategies for your business.

Captive & Insurance Management

Aon's Captive & Insurance Management team manages approximately 1,450 insurance entities worldwide
including captives, protected and incorporated cell facilities, special purpose vehicles and specialist insurance
and reinsurance companies.

Casualty Risk Control

Our casualty risk control professionals focus on the design, implementation and communication of cost-effective
compliance and loss-cost reduction programs. We help our clients minimize the costs associated with employee
injury, third-party liabilities and product liabilities.

Claims Consulting
Our claims consulting professionals assist in the pre- and post-loss design and implementation of strategies that
reduce the financial impact of events. Extending significantly beyond the traditional scope of broker claims
support, Aon has developed a range of solutions that contribute to casualty and property risk management

Crisis Management
Aons Crisis Management practice helps you quantify and qualify your exposure to the threats of terrorism,
kidnap, extortion, product contamination, product recall, piracy and political risk. We then help you develop the
most appropriate and cost effective risk management strategy.

Energy Risk Engineering

Aon Energy Risk Engineering guides our clients with a practical, not prescriptive, approach. For each of our
services, we provide experienced, industry-tested consultants. Our team of professionals consists of experts in
refining, oil and gas, chemical and hazardous process operations. Most of these professionals have a minimum of
15 years of operational and plant experience, and many are Certified Safety Professionals (CSP) and
Professional Engineers (PE). Our team members apply their real-world knowledge to develop common-sense,
effective solutions.

Enterprise Risk Management

Aon helps diverse enterprises understand the risks they face. We analyze risk from an integrated perspective,
exploring the interdependency of risk relationships within your company.

Environmental Risk Management

Aon provides risk identification and control by bringing together industry leading processes, people, and
approaches to best mitigate your organizations environmental risks.

Errors & Omissions

Errors and omissions (E&O) insurance is an increasingly important component of an effective risk management
strategy. Aon will help you minimize your exposure and structure a cost-effective, customized solution.

Fire Protection Engineering

Aon's 250 engineering professionals help clients design and complete construction projects using their
interpretive knowledge of international building codes and standards, regional relationships with building
authorities and globally distributed in-house industry experts. We work with facility owners, developers, architects
and general contractors in all industry sectors to ensure the delivery of distinctive client value and trusted risk

Kidnap & Ransom Insurance

Kidnap for ransom is a very real threat in many parts of the world, and global corporations have a duty of care to
their local, traveling and expatriate staff. An organization dealing with an incident faces potential losses from
ransom payments, business interruption, litigation, adverse publicity and long-term damage to reputation. Our
experts can ensure that your people and your business are given the most comprehensive kidnap ransom
insurance and protection.

Mergers & Acquisitions

Strategic and financial buyers are facing unprecedented levels of mergers and acquisitions activity across the
globe. The complexity of these transactions demands skilled and dedicated advisors who can identify risks and
opportunities, and add value throughout the lifecycle of a deal.

Political Risk Management

Companies with cross-border interests in unstable or emerging markets face a volatile risk environment that
requires careful planning and management. Aon works in partnership with some of the worlds leading financial
institutions, global corporations, traders and exporters, to help them mitigate and manage their risk exposures
utilizing a full service political risk management practice.

Product Recall & Contamination

In the event of a crisis, Aon's product recall and contamination team combines prevention, planning, risk transfer
and response to ensure you can react quickly and effectively to protect the integrity of your brand.

Professional Services
The Professional Services practice is Aon's unified global team of insurance brokers, reinsurance brokers and
insurance consultants/advisors dedicated solely to serving professional service firms; including Lawyers,
Solicitors and Notaries, Accountants, Actuaries, Consultants, Architects, Engineers, Surveyors and other Design
and Project Professionals. With deep experience and knowledge gained in serving professionals for more than 75
years, we are able to provide tailored insurance solutions as well as additional valuable insights and services
through our geographically diverse and highly experienced team.

Property Risk Control

Aon's property risk control professionals focus on the design, implementation and communication of cost-effective
asset protection programs to protect your balance sheet, secure the most appropriate risk financing and
insurance strategies for your organization.

Terrorism Risk Management

Terrorism risk management is extremely important for organizations who wish to protect their interests. Global
extremists who aim for sensational destruction and loss of life give no warnings. Domestic groups in many
countries are becoming more sophisticated. An attack near your facilities could result in human casualties,
property damage, business interruption, relocation costs, long-term damage to reputation and loss of public

Aon History and Facts

Aons fast-paced growth began in 1982 when Ryan Insurance Group merged with Combined International
Corporation. In 1987, that company was introduced to Wall Street as Aon, a Gaelic word meaning
Throughout the 1980s and 1990s, strategic acquisitions and organic growth fueled Aons expansion in the global
insurance marketplace. Over the past twenty years, we have acquired some of the most well-known players in the
insurance and consulting industries, including Hudig-Langeveldt, a provider of insurance protection for cargo
ships that was founded in 1680. Although not all our acquisitions have this depth of history, many have been
notable players in their respective fields for years:

Rollins Burdick Hunter

Reinsurancy Agency
Miller, Mason & Dickenson
Alexander & Alexander
Benfield Group
Hewitt Associates
Although Aon is a major leader in virtually every market it serves, size is not our primary goal. We aim to be the
worlds most responsive, client-focused insurance and consulting services company.

Company Highlights
Aon is the leading global provider of risk management, insurance and reinsurance brokerage, and human
resources solutions and outsourcing services. Aon has 66,000 employees in more than 120 countries.
Backed by broad resources, industry knowledge and technical expertise, Aon professionals help a wide range of
clients develop effective risk management and workforce productivity solutions. Aon plc's total revenue for 2012
was $11.5 billion.
Aon is the worlds largest global insurance broker:

No. 1 global reinsurance broker

No. 1 global manager of captive insurance companies
No. 1 global employee benefits consultant