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Our distinct services

• Global network • Multinational capabilities • Industry vertical expertise • Program expertise • Specialty products

• Captive services (group and single parent) • Claims management • Risk engineering consulting*

* Risk engineering services are provided by Zurich Services Corporation

Financial Strength: Zurich’s fnancial and capital position 1 , March 31, 2012 Overview

• Q1 BOP of USD 1,375 million, up 61% compared with prior year • Q1 NIAT 2 of USD 1,143 million, up 78% compared with prior year • Q1 combined ratio of 94.6%, compared with 103.6% in the prior year • BOPAT ROE 13.4% up from 8.5% at Q1 2011 and 10.2% at year-end 2011 • Strong proftability refecting excellent underwriting performance and a lower level of major catastrophe and large losses

• Improving top-line growth in all core segments

• Sustained momentum in developing high-potential growth markets presence, including exclusive distribution agreement with HSBC in the Middle East

Strong industry fnancial strength ratings

(Last change March 21, 2011)

Refecting its culture of operational and fnancial discipline, Zurich maintains a solid balance sheet and capital position. Third party rating agencies provide Zurich with the following ratings: 3

• S&P AA-/stable • Moody’s Aa3/stable • AM Best A+/ stable

1 Insurance is underwritten by Zurich Insurance Company Ltd and other insurance company subsidiaries within the Zurich Insurance Group including, in the U.S., Zurich American Insurance Company and its underwriting subsidiaries. Insurance product obligations are the sole responsibility of each issuing insurance company. For example, only the assets of Zurich American Insurance Company (and no other assets of the Zurich Insurance Group) are available to meet its obligations for the performance of its products. The fnancial information set forth in this Briefng as of March 31, 2012, is for Zurich Insurance Group on a consolidated basis, and is not audited. For more complete fnancial information and audited annual statements of the Group, access www.zurich.com. No assurances can be given, and we make no representations, that such information has, nor has not, changed since March 31, 2012. 2 Net income after tax attributable to shareholders.

3 These are the most recent ratings of Zurich Insurance Company Ltd published by the respective rating agencies on their websites (as of the date of this Briefng). Access the rating agencies’ websites for information in regarding ratings and the latest ratings available.

We aspire to become the best global insurer as measured by our customers, shareholders, and our people.