QBE AMERICAS, INC.
NEW YORK, NY

We are the global insurance company that will do all we can to find a way of saying "yes." As one of the top 20 carriers worldwide, QBE is an integrated specialist insurer with 14,000 employees around the globe. In an increasingly volatile environment, the depth of our expertise with managing risk gives businesses the confidence and reassurance they need to invest, grow and prosper. We are a globally strong, integrated specialist insurer with a rock solid balance sheet. We apply specialized expertise and deep practical experience, from quote to claim, to deliver future-ready products and broad coverage forms across every market we write. We provide global capacity and expertise to meet customers' risk management needs shaped by unique exposures and changing business climates on local, national and global levels. We offer targeted products and services through a limited, preferred distribution model, ensuring our ability to match our experts with your experts. We are committed to delivering a consistent service experience that inspires trust and confidence among the partners and clients we serve. Since establishing our North American presence in 1991, QBE has focused on diversification, superior product offerings and unparalleled customer service. The breadth and depth of our Specialty and Standard Lines coverages allows us to deliver tailored solutions on an integrated basis across multiple customer segments. Queensland Insurance, Bankers' and Traders' and Equitable merge. The new holding company, QBE Insurance Group Limited, is listed on the Australian Stock Exchange. We are in the business of managing risk. We understand risk and, in an increasingly volatile world, we believe our ability to manage risk makes it possible for things to happen. We make it possible for our customers to turn their business ambitions and plans into reality. Our strategic mission Our strategic mission is to have a solid global overlay that makes us think and act as ONE company. ONE QBE speaks to our desire to adopt a consistent and aligned approach to the way we manage, grow and build our business around the globe. ONE QBE is also an acronym for the six values that drive the day-to-day behavior of our people, which underpins our strategic mission. Russell Johnston Russell Johnston was appointed Chief Executive Officer of QBE’s North American Operations in May 2016. With more than 25 years' experience in the insurance industry in North America, Russ has held a range of senior business and operational roles since joining American International Group Inc. (AIG) in 1990. From 2011 to November 2015 Russ served as President of AIG Casualty in the Americas, with responsibility for all U.S., Canada, Bermuda, and London-based U.S. Casualty underwriters. He began his insurance career at Chubb as a Commercial Underwriter, prior to his tenure at AIG. Russ is based in New York. Kris holds a Bachelor of Science degree in Accounting from the University of Connecticut School of Business. She is a Certified Public Accountant (CPA) and began her career as an Audit Supervisor at Grant Thornton. Shruti joined QBE from AIG, where she held the position of Vice President, Human Resources, first partnering with select Commercial businesses and subsequently with the global Consumer businesses to create and implement the business human capital plan. Prior to AIG, she held a variety of HR leadership roles at American Express, Pharmacia, Merrill Lynch and Morgan Stanley. Dan holds a Bachelor of Arts degree from Colgate University, a Masters of Business Administration degree from Rutgers University-Newark, and a Juris Doctor degree from New York Law School. John Beckman is QBE North America's Chief Underwriting Officer. He leads the company's efforts to enhance existing underwriting practices and processes, including product development, technical leadership and risk appetites. John also serves as chair of the North America Underwriting Committee. With more than 25 years of broad industry leadership experience, John joined QBE in 2017 from CNA Insurance where he served in a variety of leadership positions including Chief Underwriting Officer of their Commercial Insurance business. As SVP, Chief Transformation Officer, he developed and implemented new predictive pricing tools and replaced legacy underwriting and policy administration systems. John also served in a number of underwriting, risk, reinsurance and actuarial management positions with CNA Insurance and Carvill Reinsurance Intermediaries. John holds a Bachelor's degree in Business Administration from the University of Wisconsin, Madison, and is a Fellow of the Casualty Actuarial Society. John received his MBA in Professional Accounting from Rutgers Graduate School of Business. Prior to joining QBE, José was General Counsel and Corporate Secretary of Torus, a Bermuda-based commercial insurance organization, where he had global responsibility over the legal and compliance function, as well as oversight over claims and internal audit. He also held senior positions with AIG, including Deputy General Counsel, and he represented AIG worldwide as part of the Mergers and Acquisitions Group. He began practicing law in 1995 as a corporate associate at the law firm of Weil, Gotshal and Manges. With over 25 years in the property casualty insurance industry, Mark joined QBE in 2015 from USI Insurance Services – one of the largest and fastest growing multi-line insurance brokerage firms in the U.S. There, he served as SVP, Chief Marketing Officer and SVP, Sales & Corporate Strategy and was responsible for enterprise-wide carrier strategies. Mark spent almost 20 years earlier in his career at Liberty Mutual, where he progressed from the claims department to several executive management positions. Kathleen Zortman is QBE North America’s President of Standard Lines P&C Insurance. She joined QBE in 2015 to lead the Commercial, Standard Program, Personal and Agriculture businesses. With over 25 years in the property insurance industry, Kathleen joined QBE from Fireman’s Fund Insurance Company where she served as Chief Field Executive managing a field organization of 1,000 employees and $2.3 billion in gross written premium. In this role, she was responsible for distribution, underwriting and customer service across Commercial, Programs, Professional Liability, Farm and Ranch, Entertainment and High-Net-Worth Personal insurance divisions.