西 聯 保 險 有 限 公 司

WESTERN GUARANTY

CORPORATION

HEAD OFFICE: Suite 508 BPI Office Condominium

Plaza Cervantes, Binondo, Manila Tel. +632.241.7401

Fax +632.242.1250; 242.0789; 242.1183

MAKATI OFFICE: PH12 Penthouse, VGP Center Ayala Ave., Makati City

Tel. +632.891.1991; 891.2779; 891.2776

LAGUNA BRANCH: 2F, Carvajal Commercial Building Along National Hihgway, Brgy. Balibago, Sta. Rosa City, Laguna

Telefax +63.49.302.3193; CP #s: 09257789923; 09276854689

CEBU BRANCH: Unit 603, PDI Condominium Archbishop Reyes Ave. cor. J. Panis St., Banilad, Cebu City

Tel. +63.32.231.4408; Fax +63.32.233.0240

DAVAO BRANCH: Rm 206 Doña Carolina Bldg F. Iñigo St. cor. J P Laurel Ave., Bajada, Davao City

Tel. +63.925.588.8172; +82.222.0833

Email: westguar@pldtdsl.net.ph Website: www.westernguarantycorp.com

www.facebook.com/westernguarantycorporation

ABOUT US

Established on August 31, 1964 and licensed by the Insurance Commission on October 14, 1964 Western Guaranty Corporation has grown from 8 employees and 10 agents to 80 human resources and over a hundred representatives nationwide.

After almost half a century, Western Guaranty is now one of the largest, most credible, and stable non-life insurance companies in the Philippines.

We have the expertise, experience, dedication and the heart to provide you with the peace of mind and the guaranty to take care of your needs at a time you need it most – the highest level of genuine care and service that you won’t find anywhere else.

You can let go of all your worries when you are covered with Western Guaranty Corporat ion .

OWNERSHIP STRUCTURE AND PAID-UP CAPITAL

As of December 31, 2015

NUMBER % OF STOCKHOLDER OF SHARES AMOUNT OWNERSHIP LA Western Int’l. Properties, Inc. 1,656,488 Ps165,648,800 55.22 Choa Siu Tin 868,200 86,820,000 28.94 Lawrence Eric C. Ang 237,500 23,750,000 7.92 Levy Edwin C. Ang 237,400 23,740,000 7.91 Choa Chi Kun 310 31,000 0.01 Ma. Joselita L. Ang 100 10,000 Caesar R. Certeza 1 100 Melvin A. Matibag 1 100 TOTAL 3,000,000 Ps300,000,000.00 100.00

BOARD OF DIRECTORS

Levy Edwin C. Ang Chairman

Directors

Choa Siu Tin Lawrence Eric C. Ang

Choa Chi Kun Maria Joselita L. Ang

Caesar R. Certeza Melvin A. Matibag

OFFICERS

Choa Siu Tin President

Clarita N. Chua Lawrence Eric C. Ang Executive Vice President Vice President - Treasurer & General Manager

Bernard Gerard M. Reyes Johnson M. Kwan Vice President – Marketing

Vice President - Underwriting Teresita N. Vergara Elsa R. Reblora Comptroller Corporate Secretary Admin. Officer & Surety Manager Carmelita M. Pestanio Accounting Manager Wilfredo S. Magno Fire Underwriting & Lourdes C. Yu Reinsurance Manager PA & Misc. Casualty Manager Apolinario P. Manguiat Joselito B. Naraja Claims Manager Cebu Office Manager Zalde P. Hernaez Michael A. Viñas Davao Office Manager Asst. Manager – Motor Car

Mary D. Ong Asst. Underwriter - Marine

SERVICES AND INSURANCE PRODUCTS

FIRE & ALLIED PERILS Among all your possessions, perhaps nothing is more valuable than your home or your property. Western Guaranty provides comprehensive protection for your property and its contents against fire and lightning. In addition, you have the option to further protect your property against the following perils: Acts of Nature Among the leading causes of destruction of property are more on “force majeure”, such as:

* Earthquake * Typhoon * Flood

Malicious Acts In these uncertain days, you can never be too safe. It is worse during times of economic difficulty; crime rates rise, putting your property at risk. Make sure you are covered, protect your property against:

* Riots and Strikes * Malicious Damage * Burglary

Western Guaranty also covers damage to property against Explosion, Smoke Damage, Vehicle Impact and Falling Aircraft on any kind of buildings whether residential, commercial, industrial, and warehouse, as well as contents, fixtures, furniture and fittings, appliances, and stocks.

MOTOR CAR INSURANCE Safety and security are on top of your list every time you go anywhere. With Western Guaranty’s Motor Car Insurance, not only your vehicle is protected but also you, all your passengers and anything involved. Western Guaranty’s Motor Car Insurance may cover private and commercial vehicles, and motorcycles. Own Damage/Theft Western Guaranty insures your car against vehicular accident, fire lightning, malicious damage, self-ignition as well as loss due to theft. Compulsory Third Party Liability (CTPL) Required by LTO when registering your vehicle. Provides indemnity against accidents due to bodily injuries or death to third parties. Voluntary Third Party Liability - Bodily Injury This will serve as an extension of your CTPL and will answer the liabilities or expenses in excess of the CTPL cover. Voluntary Third Party Liability – Property Damage Western Guaranty provides insurance protection for your legal liabilities resulting from damage to properties of third parties. “Acts of Nature” Western Guaranty extends to cover damage to your vehicle due to “force majeure”, such as; earthquake, seaquake, tidal wave, typhoon, flood, hurricane, windstorm, hailstorm, cyclone, tornado, tempest, and volcanic eruption

MARINE CARGO INSURANCE Western Guaranty covers your properties, goods or merchandise whilst being transported from one location to another whether by land, sea or air. Under our Marine Cargo Insurance your cargo is protected against marine hazards or perils, such as: Over Sea:

* Sinking, stranding, grounding, collision * Fire, Explosion * Jettison, discharge of cargo at port of distress

Over Land:

* Earthquake, volcanic eruption, lightning * Overturning or derailment of land conveyance

Marine Cargo policies are classified into four types, namely: Inland Marine Policy – covers goods whilst being transported by trucks or railway systems within the Philippines Inter-Island Policy – covers goods whilst being transported by sea craft or aircraft within the Philippines Import Policy – covers goods whilst being transported by sea craft or aircraft from other countries to the Philippines. Export Policy – covers goods whilst being transported by sea craft or aircraft coming from the Philippines to foreign countries. MARINE OPEN POLICY Aside from the standard Marine policy, Western Guaranty also issues an open policy, which covers automatically all shipments to and from any stated parts of the world.

PERSONAL ACCIDENT INSURANCE Your welfare and the welfare of those who rely on you are foremost in your list. That’s why Western Guaranty developed a comprehensive Personal Accident Insurance to take care of you during your time of needs. Western Guaranty’s Personal Accident Insurance provides monetary compensation for expenses or loss of income brought about by death or bodily injury arising out of accident. You and your family can enjoy the security of having Personal Accident Insurance. The following benefits are available: Medical and Surgical Expenses Medical expenses can often be a heavy financial burden on your family Western Guaranty’s medical plan offers you protection against medical and hospital expenses arising from accident. The benefit is provided in the form of reimbursement based on the limits specified in the policy. Permanent Disablement Should the Insured suffer permanent bodily injury, Western Guaranty shall pay the sum insured based on the policy. Temporary Disablement Temporary disablement shall mean disability that prevents the Insured from engaging in his occupation temporarily. You won’t need to worry about any loss of income Western Guaranty will take care of your needs according to your policy, such as: * Temporary Total – if you suffer disablement that temporarily

prevented you from engaging in or giving attention to any and every duty pertaining to your profession. Western Guaranty will pay you the specified sum insured under this benefit.

* Temporary Partial – if you suffer an injury, which allow you to

work but prevented you from doing a substantial part of your duties, Western Guaranty will pay the specified limit under this benefit.

Accidental Death Should the Insured die within 12 calendar months from the date of the bodily injury, provided that such bodily injury was sustained during the term of policy period, Western Guaranty will pay the beneficiary the sum insured. Western Guaranty has the following products under this cover: * Group Personal Accident * Individual Personal Accident * Student Personal Accident MISCELLANEOUS CASUALTY INSURANCE The Miscellaneous Casualty lines are the groups of insurance products that are considered traditional. These lines include the followings: * Contractor’s All Risks * Comprehensive General Liability * Special Risk/Floater Policy and other insurance packages that are specifically designed for specific target markets like Golfer’s Insurance or Scuba Diver’s Insurance. These lines of insurance enable an insurance buyer to have a complete and comprehensive coverage for his exposure. CONTRACTOR’S ALL RISKS INSURANCE Contractor’s All Risks Insurance (CAR) is an insurance for buildings and civil engineering projects during construction against accident resulting in loss, damage or destruction of materials, work in progress, construction plant, equipment and machinery.

It may be taken out for all building and civil engineering projects such as: Buildings: * Residential Houses & Condominiums * Office Buildings & Commercial Buildings * Hospitals * Malls * Schools Infrastructure: * Roads * Bridges * Piers * Dams * Water Supply and Drainage Systems Industrial: * Factories * Power Plants Contractor’s All Risks Insurance also provides cover for: * Fire, lightning, explosion * Earthquake, landslide * Tsunami, storm, typhoon, flood * Negligence, malicious act, human error * Theft, burglary Third Party Liability If so desired, Contractor’s All Risks Insurance may also include third party liability. GOLFER’S INSURANCE Golfer’s Insurance provides complete protection for all golfers, which makes a golfer’s dream come true. It provides protection whenever you hit the fairway or driving range. It also covers golfer’s equipment, so you can relax knowing that your investment is protected.

Golf Clothing, Clubs and Equipment Western Guaranty covers loss or damage to golf clothing, clubs and equipment (except golf balls and tees) caused by fire, lightning, theft or larceny while in any recognized golf course anywhere in the world. Western Guaranty also covers golf clubs and equipment anywhere in the Philippines whether in any driving range, at home or in transit. Other Clothing Western Guaranty covers loss or damage to clothing (other than golf clothing) caused by fire, lightning, theft or larceny while such clothing is within the golf clubhouse anywhere in the world. Third Party Liability Western Guaranty covers accidents that result in bodily injury to third parties and damage to the property of third parties caused by the Insured whilst practicing or playing golf on any recognized golf course in the world. Personal Accident Western Guaranty covers accidental bodily injury to the Insured caused by violent external and visible means, which may happen while the Insured is practicing or playing golf on any recognized golf course anywhere in the world.

Coverage includes: * Accidental death, dismemberment and/or disablement * Medical reimbursement Caddies’ Medical Expenses Western Guaranty covers the reimbursement of medical and other incidental expenses sustained by a caddy for damages caused by the Insured whilst practicing golf on any recognized golf course anywhere in the world.

Hole-In-One Expenses Western Guaranty will share in your expenses in the event you hit a hole-in-one during the course of play on any golf course anywhere in the world.

BONDS Western Guaranty’s Bonds ensure for the benefit of the Obligee the contractual obligations made by the Principal or Obligor if the Principal/Obligor fails to perform the obligations in the contract guaranteed by the bond. Western Guaranty has the following products for this line: Contractor’s Bond * Bidder’s Bond * Performance Bond * Surety Bond - Advance Payment - Warranty Against Defects in Materials and Workmanship - Partial Release of Retention Money - Payment Bond Fidelity Bond Guarantee Bond Judicial Bond * Civil - Bond to Levy Attachment - Heir’s Bond - Preliminary Injunction Bond - Replevin Bond - Surety (Supersedeas) Bond for NLRC * Fiduciary - Administrator’s Bond - Guardian’s Bond License & Permit Bond - Firearm Bond

MICRO INSURANCE (Buhay-Bahay-Kabuhayan)

Buhay-Bahay-Kabuhayan is a MICRO-INSURANCE plan approved and endorsed by the Insurance Commission designed to make insurance more accessible, comprehensible, and affordable to a larger number of Filipinos.

This plan will financially assist victims of prevalent disasters or calamities such as Fire, Typhoon, Flood, Earthquake, Accident to recover from its damaging effects to the most indispensable possessions of any individual – Buhay, Bahay, & Kabuhayan.

There are different plan benefits and annual premium offered but only to groups of at least 20 individuals. All we need is a list of names of the individuals to be covered, address, birth date, beneficiary & relationship. Upon payment of the premium, a Master Policy will be issued for the group, individual Certificates will be given to each insured.

The age eligibility of the insured shall be at least 15 years old at the time of coverage and shall not be renewable after the end of the period of insurance when the insured attains the age of 65 years. Eligible beneficiaries are legal spouse and children if married; parents, brothers or sister if single.

Total Permanent Disability shall mean: a) Loss of the Limbs b) Loss of both hands c) Total loss of sight of both eyes d) Loss of both feet e) Accident resulting in being permanently bed-ridden, f) Any other injury causing total permanent disability

The Underwriting Dept. has the option to accept or decline an application, or limit the company’s maximum amount of acceptance per application.

Documents required in case of claim: - Police Report or Affidavit of Incident - Insured’s Birth Certificate & Death Certificate - Beneficiary’s Birth Certificate - Marriage Contract (if applicable)

Valid claims will be processed immediately and will be paid not later than 10 days from completion of all requirements.

CLAIMS Western Guaranty settles claims faster than what the law requires as long as the required documents are complete and submitted. You may report a claim by immediately contacting your branch or Western Guaranty directly. Our claims service officers will be glad to guide and walk you throughout the procedure and assist you in collating the necessary documents. Claim Tips The following tips will help shorten the time needed to file a claim: * Take photographs of the accident and any damaged parts. * Keep any damaged items for inspection. Do not discharge before

claims service officer has given the go-signal. * If you underwent emergency medical treatment or from motor

shop for emergency repair, keep the invoices, receipts and other related documents.

* When filing claims, attach all relevant documents (report, statements, invoices, etc.). Kindly send us all original documents, no photocopies.

* Do not make any statements regarding liability to offer without the consent/knowledge of our claims service officer, any liability may jeopardize the indemnity.

* When in doubt, please contact your broker/agent or service officers directly.

You may contact our Claims Department Hotlines: Landline: (632) 2417401 loc. 210, 249, 248, 247, 252, 244, 246 Mobile : 63-9228411750

2016 PANEL OF TREATY REINSURERS

A. Proportional Treaties NON-MARINE FIRST SURPLUS 1. Mapfre Re Compañia de Reaseguros, S.A. 2. National Reinsurance Corporation of the Philippines MARINE CARGO FIRST SURPLUS 1. Mapfre Re Compañia de Reaseguros, S.A. 2. National Reinsurance Corporation of the Philippines B. Non-Proportional Treaties FIRE EXCESS OF LOSS 1. General Insurance Corporation of India 2. Mapfre Re Compañia de Reaseguros, S.A. 3. National Reinsurance Corporation of the Philippines 4. Emirates Insurance Company P.S.C. MOTOR CAR EXCESS OF LOSS 1. Mapfre Re Compañia de Reaseguros, S.A 2. National Reinsurance Corporation of the Philippines 3. General Insurance Corporation of India 4. XL Re Limited (Singapore Branch) – XL Catlin