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Swiss Reinsurance Company LtdMythenquai 50160P.O. BoxSO22ZurichSwitzerlandTelephone +41 43 285 2121Fax +41 43 285 2999www.swissre.com

Zurich

3O September 2015

To whom it may concern

We hereby confirm that Ms Silke Genuit, date of birth 2 August 1978, from Germany, was em-ployed by our company from 1 January 2011 to 3O September 2O15.

From 1 January 2011 to 31 July 2013 Ms Genuit worked as a Senior Business Consultant inthe Swiss Re Consultancy EurAsia area of the Business Engineering Department.

Her main duties included:

r Advising on the development & implementation of a large strategic new business projectwithin Life & Health (L&H) Reinsurance (to cover B2B2C life protection risks).

o Leading the L&H Primary Value Chain (PVC) Build Program Work stream 1 : "Carrier setup"(i.e. writing the Life and Non-life Business plan for the primary insurance license applica-tion with the Commissariat aux Assurances (CAA)).

o lnitiating the setup of the L&H Regional Business Steering Committees in Asia, US, Europeand UK, Middle East and Africa to enable focus on the origination and continuation of PVCrelevant initiatives in line with PVC's Target Operating Model.

o Portfolio Management of the L&H PVC lnitiatives and setting up the corresponding govern-ance framework (triaging process, best practice reporting standard, risk adjusted contribu-tion margin (CMR)tracking of live deals).

o Project Management of the Latin American Mortality Protection Gap and Customer Surveyin six countries and leading two French PVC initiatives to implementation.

. Man?ging a Corporate Solutions (CorSo) process improvement project on the Bank Trade &lnfrastructure premium generation & allocation processes, facilitating the "Rapid lmprove-ment Event" and managing implementation. Achieved alltargets on metrics to be improvedsuch as reducing the amount of incorrect bookings and unresolved payments.

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o Promoting greater awareness on the value and benefits of Lean Six Sigma/Process lm-provement throughout Swiss Re (certified Lean Six Sigma Black Belt).

o Enabling the North American Property Underwriting business to be compliant with regula-tory requirements.

o Managing a cross functional/regional million USD project to improve governance & moni-toring of rating downgrade triggers and default provisions in funding and capital markettransactions, while applying state of the art project management methodology (PMl certi-fied).

. Engaging with challenging senior and often disengaged stakeholders, fostering projectteam, collaboration and spirit.

o Leading a cross functionalr/regional project to implement a new Country Risk ManagementFunction within the Financial Risk Management (FRM) business unit to provide consistentand transparent management information of Swiss Re's country risk exposures as well asintroducing a new country credit limit monitoring framework thereby contributing to FRM'senhanced stress testing initiative.

o Acting as Change Consultant in a large strategic HR program to develop and executeChange Management activities, e.g.:- Planning and implementing a Change Management strategy for the group wide Human

Resource Strategy Program, while applying state of the art Change Management meth-odology (PROSCI trained and certified).

- Driving communication and awareness about the value and benefits of Change Man-agement to senior management and key stakeholders.

- Promoting greater awareness on the value and benefits of Change Managementthroughout Swiss Re.

From 1 August 2013 to 31 January 2014, Ms Genuit worked as a Senior Business Consultantin the L&H OPS & Consulting RE 1 area of the L&H Operations & Consulting Reinsurance De-partment. She held the rank of Vice President.

Her main duties included:

o Enabling operational readiness together with distribution partners, client managers, risk,legal, lT and actuaries as well as leading operational readiness workshops to create anddelivgr on implementation plans.

o Coaching and managing assigned Project Management Office assistant and OperationsManager as well as external consultants.

o Setting up an operational Due Diligence best practice process incl. tools and templatesprior to onboarding new distribution and outsourcing partners in collaboration with RiskManagement and the Group Security Officer.

o Setting up Service LevelAgreements and Business Continuity Managements for integrationinto agreements.

. Valud Chain definition and process documentation for new distribution partners.

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From 1 February 2014lo 3O September 2015, Ms Genuit worked as a Central OperationsManager in the Operations Swiss Re Protection Partners (SRPP) area of the Swiss Re Protec-tion Partners Department.

Her main duties included:

Part of the Swiss Re Protection Partners unit from day one and instrumental in the formula-tion of Swiss Re's strategic approach towards entering the direct insurance market.

Working with new distribution partners to establish appropriate operational processes forthem to operate under the insurance platform offered by Swiss Re. Conducting a number ofdifferent request for information (RFl)/request for proposal (RFP).

Driving the regulatory application process in order for Swiss Re to get appropriate approvalto undertake insurance practice in a number of EU countries.As part of her direct team lead responsibilities, management of two assigned direct re-ports, including conducting annual goal setting, interim reviews as well as annual perfor-mance reviews and coaching employees on achieving their development goals.

Leading a number of different strategic initiatives to further increase the overall offering ofthe Swiss Re Protection Partners unit.

ln collaboration with the outsourced administration partner, supporting the requirementsdefinition with regards to all policy administration processes in the UK to enable implemen-tation of the Protection Partners Target Operating Model, as well as driving the end to enddefinition of the units Target Operating Model for Underwriting (UW) and Claims.

Ms Genuit was proficient in her field and well acquainted with the processes and terms of ref-erence required for her role. She applied her sound expertise in a result-oriented manner andwas adept at imparting her knowledge to others. She displayed a high degree of initiative,identified strongly with her work and demonstrated a great level of engagement. Ms Genuitcarried out her tasks very quickly, independently and reliably, even when working under con-siderable pressure. ln her work, she prioritized well and demonstrated a great sense of re-sponsibility and thought and acted strategically and entrepreneurially in the interests of thecompany. Thanks to her very agile mind, she was able to interpret complex issues quickly andeasily. Ms Genuit planned her projects thoroughly and followed them through to completion.She delivered very good work, in terms of both quality and quantity.

We would like to make particular mention that Ms Genuit managed to ensure the go live of ourfirst distributor in the Netherlands under very challenging circumstances. She managed in par-ticular the distributor in a very proactive manner to ensure that deliverables were managed ac-cording to plan. Furthermore, the establishment of our regulatory carriers and the associatedbranches was a key success factor of Ms Genuit as it laid out the foundation to actually under-take business activities.

Ms Genuit was outstanding in terms of building up client contacts and relationships. Herfriendly and pleasant manner was much appreciated and respected by allwho worked withher. ln discussions she was sincere, demonstrated her high level of expertise and her interper-sonal skills. Thanks to her helpful nature and charisma, Ms Genuit greatly contributed tostrengthening team spirit and encouraged good cooperation. Towards clients, managers andcolleagues, she was courteous, fair and loyal.

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Ms Genuit is leaving our company on 30 September 2015 at her own request in order to takeon a new challenge at another company. We much regret her departure and would like to takethis opportunity to thank her expressly for her valuable contribution, and wish her every suc-cess for the future.

Swiss Reinsurance Company Ltd

HR Administration SpecialistAssistant Vice PresidentHuman Resources

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Jenny D'y'(ngeloRe Protection Partners

Life & Health Products

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