FM Global

TWCA

Risk Management Fund

Board Meeting March 1, 2017

FM Global - Resilience

Agenda

• Value Proposition

• Key Differentiators

• Resources

• Financial Results

• Cyber Coverages

FM Global Value Proposition

Our Value Proposition:

We want to help you protect the business value you’ve worked hard to build. By

identifying your property risks, we can assist you by making property loss prevention

recommendations to help you mitigate loss. And we provide capital for risk-transfer

purposes.

Our Key Differentiators

Our Key Differentiators

As an FM Global client, you are entitled to all the benefits of mutuality, including:

The FM Global long-term view of risk and financial stability

• Long-term strategic view from both an underwriting and investment perspective • The largest amount of capacity available anywhere, through a single property insurer • Consistent coverage and price • Immediate support when faced with a loss, regardless of time or location • Best performing mutual company – Fitch ratings • Consistent profitability

Corporate governance benefits

• Board of directors, advisory boards and risk management executive councils comprised of FM Global clients • Coverage and business innovation developed from client feedback

Membership credit • Policyholder risk improvement and loss prevention efforts rewarded through membership credit • Qualified clients receive up to 15% premium reduction

Mutuality

Membership Credit History

US$3.4 billion since 2001

Our Key Differentiators

Membership Credit

Our Key Differentiators

Membership Credit

Our Key Differentiators

TWCA has been an FM Global client since 2000 2004 $ 64,580 2007 $ 67,630 2008 $ 67,249

2010/2011 $ 87,270 2013/2014 $115,017 2015/2015 $132,763 2015/2016 $143,295 2016/2017 $151,323 Total $829,127

Our Key Differentiators Engineering Services

• Scientific research conducted exclusively for property risk

• Cost-effective commercial and industrial property loss prevention solutions

• Local engineers who assess facilities to consistent standards worldwide

• Project coordination and plan review

• Client training and knowledge-sharing tools

Our Key Differentiators

All FM Global claims professionals are vested with the authority to make key decisions in the field and have been trained to meet consistent performance standards.

In-house claims adjusters

Immediate access to capital

Pre-loss planning minimizes surprises Policyholder workshops to discuss policy response Timely and uniform claims adjustment services

Claims

Our Key Differentiators Business Risk Consulting

Resources

• Site Visits • Risk Report • Jurisdictional Visits • Wind, Flood or Quake assessments • MyRisk Online Tools • Business Risk Consultants • Training – On-line, Custom & Classroom • Plan Review and Project Follow-ups • Impairment Handling • Research Campus and SimZone • Benchmarking

More specific information for each available at www.fmglobal.com

Available to all TWCA members

FM Global Financial Summary

FM Global Cyber History

2000 Data, Programs & Software Coverage (DPS) - $5m limit 2002 Increased limit for DPS coverage to $10m 2005 Added Computer Systems – Non Physical Damage Coverage Combined limit for DPS and CSNPD - $10m 2016 Added Temporary costs to defend against cyber attacks to CSNPD coverage Added Off Premises Data Services PD & TE coverage (OPDS) - $5m Limit

Specific to TWCA

FM Global Advantage Policy:

Broad First-Party Property Cyber Coverage

Cyber Optimal Recovery

Endorsement

Questions

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