Lifestyle ProtectionTomorrow’s uncertainties, planned for today

Genworth Inc. – our story

Protecting people around the worldGenworth Financial, Inc. (NYSE: GNW) is a leading Fortune 500 insurance holding company dedicated to helping people secure their financial lives, families and future in more than 25 countries around the world. We’re market leaders in creating innovative insurance products that help people protect themselves, invest for their future and plan for their retirement. These include life insurance, long-term care insurance, financial protection and independent advisor-based wealth management. We also provide mortgage insurance that helps people to buy their own homes while assisting lenders in managing their risk and capital.

New thinking in insurance since 1871Genworth Financial Inc. traces its roots back to 1871 when its first policy was underwritten in the United States by The Life Insurance Company of Virginia. Over time it became part of the General Electric Company, and in 2004 in one of the largest IPOs in corporate history, GE completed the spin-off of most of its mortgage and life insurance assets to form Genworth Financial. Our products and services are offered through financial intermediaries, advisors, independent distributors and sales specialists to more than 15 million customers. We have over 5,000 committed employees across the globe, each dedicated to making a positive difference in the communities in which we operate.

Genworth Inc.

Genworth are proud to have officially partnered from 2014

with the iconic Formula 1 team WILLIAMS MARTINI RACING,

providing us with a dynamic platform that supports our worldwide

reach and connects with our global audiences.

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About Genworth Lifestyle Protection

• Part of a Fortune 500 company

• Partners with more than 120 institutions in over 25 countries

• Over $900m in revenues and $1.8bn in assets

• ‘A-’ strength rating from Standard and Poor’s

• More than 9m policyholders

What Genworth can do for you• Increase retention and brand loyalty by building a broader, carefully

targeted product offering

• Extend your customer base by offering new, highly targeted, more desirable products

• Boost product ownership using our enhanced, proven, cross-selling and up-selling expertise

• Raise revenue by unlocking new opportunities within your existing customer base

• Improve capital efficiency through innovative insurance solutions

Genworth Lifestyle Protection

Specialist insurance company As a leading specialist insurance provider, our Lifestyle Protection products aim to help people and companies protect their credit obligations and financial health should the worst happen – whether it’s an accident, sickness, unemployment or loss of life or asset. We were the first to introduce unemployment cover in Europe in 1972 and we’ve been innovating with fresh insights and new products ever since.

Global knowledge, local expertiseOur Lifestyle Protection business is headquartered in London. We operate in over 25 countries across Europe and in other key territories around the world – Asia and Latin America. Our services combine global knowledge with local expertise to deliver an exemplary range of Lifestyle Protection products which can be tailored for each market.

Partners with ambitionWe partner with clients who want to significantly grow their businesses, manage their risk effectively and do the very best for their customers. We work hard to build our relationships and exceed service delivery expectations to help our distribution partners.

Brand-building servicesWe have the experience and resources to deliver highly effective sales and marketing programmes. These are designed to help you build revenues and reinforce your brand through market-leading data analytics, innovative products and channel expertise. In addition, we pro-actively engage with regulators and policy makers as regulation is developed which will impact on our industry.

Global servicing IT platformOver the last 30 years we’ve built a resilient and scalable operations model that our clients have come to trust. In each of our territories we offer a choice of localised, centralised or hybrid servicing depending on the needs of both you and your customers. Our single IT platform can be adapted to suit your existing infrastructure and customer requirements which is why Standard and Poor’s say it gives us a competitive advantage.*

Asset-building performance With over $900m in revenues, $1.8bn in assets and a financial strength rating of ‘A-’ from Standard and Poor’s,* we are able to explore opportunities across your value chain from providing insurance to optimising your capital efficiency.

Tailor-made insurance solutions We offer a range of bespoke, innovative reinsurance and direct insurance solutions which can give you greater flexibility and control over your business – especially valuable in uncertain times. Our expertise, and our tailor-made approach for particular opportunities, can help you to protect your balance sheet and maximise your income. Reinsurance is a key component of many of our solutions, allowing you to limit liability, spread risk and free up valuable resources.

*Standard & Poor’s 2014

Genworth Lifestyle Protection

Our ongoing dialogue with governments and regulators allows us to understand and anticipate regulatory change

Treating customers fairly

All our products have been designed to offer exceptional value to your customers:

• Customers appreciate the financial security that our products provide

• Our products are simple, transparent and easy to understand

• They can be tailored to the particular needs of your customers and our research can help you establish exactly what those needs are

• Customers can benefit from our quick claims process and prompt payment

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Meeting the needs of customers, clients and regulators around the globe Our Lifestyle Protection products, backed by innovative marketing support and industry-leading IT infrastructure, are designed to grow your revenue and help your customers. We also continually track emerging regulatory thinking and ensure our products are consistently fair and meet customers’ needs. This approach adds up to a compelling package of products and support, developed using a wealth of global experience, and optimised for local markets.

Increased revenue for our clientsThrough our ongoing market research and commitment to innovation we’ve developed a specialist suite of Lifestyle Protection products designed to help people throughout their lives.

The careful targeting of our products can help to retain customers, while our experience across a wide range of distribution channels can help to broaden your customer base. In addition, our proven cross-selling and up-selling expertise can substantially grow your revenue.

Proactive regulatory engagementThrough our dedicated Legal, Compliance and Government Relations teams, we track emerging regulatory thinking which might affect our products, our clients and our industry. We talk to our regulators and policy makers at global, EU and national level to give early, proactive input into new legislation as it’s created. We then share the insight we gain through this regulatory engagement with our clients.

Customer Needs

Creditor products

• Mortgage• Personal Loan• Credit Card• Overdraft

Regular repayments to credit cards, finance agreements, loans and overdrafts are now commonplace and in the current climate many customers find that what comes in each month goes straight back out. For these people, a steady income is crucial to fund existing debts. Our Creditor products help protect their financial commitments if they’re unable to work due to illness or involuntary unemployment. This reduces worry, so they can concentrate on what really matters to them, like getting better or finding a new job.

Lifestyle Protection for today and tomorrowOver the last few years we’ve seen a major shift in the global economic situation with increasing unemployment, lower consumer confidence and a squeeze on disposable income increasing the need for Lifestyle Protection products. The situation is made worse by an ageing population and increasing life expectancy, as well as a decline in state support across Europe.

Our four product families provide a wealth of opportunities for you to connect with both new and existing customers, by offering products which address their immediate concerns in today’s strained economic climate. They can also evolve through the lives of your customers to meet their needs as their situation changes, encouraging brand loyalty and retention.

Living Expenses products

• Waiver of Premium • Monthly Expenses • Mortgage and Rent • Income Insurance

The basic cost of living continues to rise, so family budgets are stretched while unemployment is still increasing. Our Living Expenses products help customers with their everyday cost of living, so they can cover essential bills and financial commitments such as pensions, insurance policies and savings plans in the event of involuntary unemployment, illness or permanent total disability.

Life Protection Insurance products

Major Illnesses• Critical Illness• Serious Illness• Cancer

Life Products• Term Life • Family Income Plan• Over 50s Plan

Personal Accident • Personal Accident • Personal Accident Plus

Statistics show that, between the ages of 40 and 70, as many as one in three men and one in four women will develop a major illness. Medical advances have meant that, although some may not survive, many can live for a long time with such conditions, but they will often have extended periods when they can’t work, or provide for their families.

Our Life Protection Insurance products help to provide financial support on diagnosis of a major illness, or after an accident or death in the family. The customer, or their family, will receive a lump sum which they can spend as they choose, giving them time to focus on getting better or adapting to their new circumstances.

GAP and Commercial PPI products*

• Vehicle GAP • Equipment GAP• Commercial PPI• Keyman

We have GAP products designed to protect either personal or commercial assets. Customers can protect their investment, so they won’t be left seriously out of pocket if their car or equipment is written off or stolen.

Equally, a business can be put under severe strain by the death or prolonged illness of a key employee. Our Commercial Loan Insurance means companies can have the confidence that they’ll be able to make their loan repayments to help manage a period of instability without financial penalties or potential interruptions to their cash flow.

* GAP – Guaranteed Asset Protection PPI – Payment Protection Insurance

Our Products

Providing specialist insurance to help your customers protect their credit obligations and financial health in the event of the unexpected

Benefits of partnering with Genworth

• Increased revenue Drive immediate incremental revenue by developing untapped marketing opportunities

• Marketing performance Deliver compelling customer focused campaigns that drive sales

• Product penetration Increase product holdings through structured cross and up-selling pathways

• Customer loyalty Improve customer retention and brand loyalty by identifying and targeting customers with the products they need

• Sustainable growth Generate long-term income and increase customer lifetime value

Our marketing programmes help build revenues through market-leading data analytics, innovative products and channel expertise

Our marketing programmes support our innovative products across a wide range of channels and are backed by market-leading data analytics and campaign management. They enable you to unlock more revenue in three ways:

• Optimising new customer acquisition

• Cross-selling to existing customers

• Increasing long-term customer retention

We can offer a powerful range of services built with specialist knowledge.

Comprehensive customer insight Our unique insight into the preferences and behaviour of customers is based on over 30 years of experience servicing 9m policyholders. By applying our highly developed segmentation tools to any customer database, we can deliver marketing programmes which help target your customers with precision.

Campaigns with maximum returnsThe in-depth knowledge we’ve gained from delivering programmes across more than 25 countries drives marketing efficiencies to increase revenues for you. By systematically applying our programmes we can help you maximise your customers’ lifetime value from policy sales, up-selling, retention, win-back and customer referral strategies.

Make the most of your sales channelsWe have extensive experience across all sales channels including telemarketing, direct mail, online, and point of sale. This enables us to deliver integrated distribution strategies tailored for specific markets, products and customer segments to help you maximise revenue.

Marketing insight and expertise

Marketing Expertise

We have a resilient and scalable operating model and are continually developing new processes and technologies to create better experiences for you and your customers

Flexible and specialized providersOur single global operating platform is modern, reliable, scalable and flexible so we can implement processes quickly and efficiently, while adapting our services according to your needs.

Our IT platform in particular gives us a competitive advantage over our rivals according to Standard and Poor’s in 2014, and our range of standard and bespoke services includes Premiums Management, Policy Administration, Claims and Complaints Management, Operational Controls, Management Information and Customer Experience Optimisation. Within our range we’re also innovating constantly to make sure our products exceed market requirements.

Leading technologiesOur technological innovations give both you and your customers more choice, flexibility and faster solutions. For instance, we’ve developed a fully integrated online claims service which allows customers to register their claim, upload the required documentation and track their claim’s progress.

We’ve also developed a Client Portal which offers a high quality level of data analytics in ‘real time’ – an invaluable resource for keeping on top of market trends and changes. Development is ongoing and we’re constantly innovating to bring real day-to-day benefits.

World-class security and integrityWe’re committed to protecting the security and the integrity of both you and your customers. We therefore follow a strict and comprehensive risk management framework which offers multiple layers of protection across a range of physical, network, application and database controls.

This covers security organisation, structure and policies, as well as best practices, administration and resource management. In addition, each of our internal controls is aligned to industry standard governance frameworks and regularly tested by both internal and external auditors to ensure world-class standards that go beyond compliance.

World-wide experience, with local insightThe systems we’ve developed through years of experience and consistent innovation are designed to be flexible, whatever your needs, with localised, centralised or hybrid servicing solutions. Our global network is expanding, with new operations in Asia and Latin America, and we’re also continuously developing new processes and technologies so that your customers always get the best possible experience.

Expert local support, wherever you areOur International Service Centres based in Ireland, Finland and Mexico are the principle source of support and expertise for the 25 countries where we operate. Our highly skilled Customer Solutions Advisors across 18 local offices give both you and your customers the support you can rely on to handle claims efficiently and considerately.

Market-leading customer serviceListening to customers is vital to make sure we consistently offer them the best and most straightforward service possible. We base our claims management experience upon real customer data and experiences, rather than internal transactions, and use a range of continuous improvement techniques to make sure your customers are always treated fairly.

Operations and Technology

Global reachOur leadership team continues to introduce our specialist Lifestyle Protection expertise into new territories around the world, delivering best-in-class products for customers, as well as tailor-made reinsurance and direct solutions for our clients. Our single IT platform delivers operational excellence and can be easily adapted to your requirements. We also ensure market-leading customer service, so both you and your customers always get the support you expect. We work hard at building close relationships with our clients to ensure we meet customers’ evolving protection needs so that whatever happens, they can plan today for tomorrow’s uncertainties.

Local offices

James RemberGeneral Counsel

Andrew FlahertySenior Vice President Operations and Technology

Jeff WhiteusChief Financial Officer

Paul Caprez Chief Risk Officer

Jess Kuller Senior Vice President Human Resources

Bob BrannockPresident, International Protection

Bob is responsible for strengthening the business outside the US to enable further growth and improving returns.

Our Leadership team

Peter BarrettGlobal Managing Director, Lifestyle Protection

Peter is responsible for growing the Lifestyle Protection business in Europe and leading the expansion into Latin America and Asia.

ChinaGenworth Consulting Services

(Beijing) Ltd.

11/F North Tower

Beijing Kerry Centre,

No. 1 Guang Hua Road,

Chaoyang District (100020)

T: +86 10 6599 7951

ColombiaCalle 90 # 11-13 Piso 5.

Bogotá,

Colombia

T: +57 1 383 21 45

DenmarkKirkebjerg Allé 86 b

2605 Brøndby

Danmark

T: +45 43 25 53 00

FinlandHämeentie 19

00500 Helsinki

Finland

T: +358 1 0287 3000

FranceFinancial Assurance

Company Limited (FACL)

40-42 Rue la Boetie

CS 90002

75382 Paris Cedex 08

T: +33 15 591 1500

GermanyMartin-Behaim-Straße 22

63263 Neu-Isenburg

Deutschland

T: +49 6102 2918 0

Greece5 Koumbari Street

106 74

Athens

Greece

T: +30 210 3380 800

International Service CentreBuilding 7000

Atlantic Avenue

Westpark Business Campus

Shannon

Co. Clare

T:+353 61 714500

Ireland3rd Floor Fleming Court

Fleming Place

Dublin 4

Ireland

T: +353 1 542 8404

ItalyVia San Gregorio 34

Milano 20124

Italy

T: +39 02 6737 151

Korea21/F Seoul Finance Center

136 Sejong-daero

Jung-gu

Seoul 100-768

Korea

MexicoAv. Antonio Dovalí Jaime 70

Edificio A piso 9

Col. Santa Fe, C.P. 01210

Álvaro Obregón,

México DF

T: +52 55 3000 6181

NorwayKarenslyst allè 2

Postboks 588, Skøyen

0214 Oslo

Norge

T: +47 23 28 20 99

PeruCalle Dean Valdivia 148 Piso 11

San Isidro (Lima)

Perú

T: +511 711 8276

Polandul. E. Plater 53, 00-113 WarszawaBudynek WFC, 17 piętroPolskaT: +48 22 526 2800

PortugalAv. Miguel Bombarda

36 - 12ºA

1050-165 Lisboa

Portugal

T: +351 21 797 3652

SpainLuchana, 23. Planta 5

Madrid 28010

España

T: +34 91 308 1116

SwedenDrottninggatan 25, 3 Floor

11151 Stockholm

Sweden

T: +46 8 517 519 00

SwitzerlandBändliweg 20

CH 8064 Zürich

Switzerland

T: +41 444 320 702

TurkeyBüyükdere Caddesi

Maya Akar Center Kat

22 Daire 86

34394 Esentepe

Istanbul

Türkiye

T: +90 212 370 0551

UK – HeadquartersBuilding 11, Chiswick Park

566 Chiswick High Road

London

W4 5XR

United Kingdom

T: +44 20 8380 3000

Contacts

Genworth and Genworth Financial are the trading names of Financial Insurance Company Limited (Company No.1515187. FCA & PRA No.202639), Financial Assurance Company Limited (Company No.4873014. FCA & PRA No.229586), both authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and Financial Insurance Group Services Limited (Company No.1670707. FCA No.313219.) which is authorised and regulated by the Financial Conduct Authority.

©2015 Genworth Financial, Inc. All rights reserved. Genworth, Genworth Financial and the Genworth logo are service marks of Genworth Financial, Inc. CM508.AS.01-15.1