Nordic Guarantee - New Business Presentation (English)

Nordic Guarantee in short: • More than 20 years of experience in the Nordic market • Aggregate guarantee exposure in excess of SEK 25 billion (2019) • Approximately 3 000 customers from small privately-owned entities to large listed entities • More than 40 employees who are experts in guarantees • One of the few companies in the Nordic region that specialises in guarantees • Operations in Stockholm, Malmö, Oslo, Helsinki and Copenhagen • Compliant with the Swedish Financial Supervisory Authority's supervision • Providing fast, efficient, hassle-free service and industry- leading knowledge

Nordic Guarantee’s products

Construction Bonds

Travel Bonds

Maintenance Bonds

Payment Bonds

Wide Range of Guarantees and Bonds

Performance Bonds

Mining Rehabilitation Bonds

Construction-related Bonds Advance Payment Tax Bonds Rental Bonds Travel and IATA Bonds Bid Bonds Payment Bonds Customs Bonds Environmental Bonds Mining Rehabilitation Maintenance and Performance Bonds Tailor-made Bonds

Here’s how it works: A guarantee from the Nordic Guarantee is similar to a bank guarantee. It can be used as security in the following situations: • To secure contractual obligations • To secure advance payments • To improve cash flow • To secure more cost-effective guarantees

Benefits of a Nordic Guarantee vs. bank guarantee:

Examples of industries where a Nordic Guarantee can be used:

We are experts in the field of issuing Commercial Guarantees.

• Construction; building and civil engineering

Our Guarantees and Bonds…

• Real estate development and landlord/ tenant lease agreements

• Typically do not require collateral

• Travel industry

• Will not negatively affect liquidity

• Importing and freight forwarding “customs”

• Maintain and improve cash flow

• Fuel distribution

• Will not affect current credit rating or credit facilities

• Manufacturing and other related industries

• Are competitively priced • Increase facilitation efficiency • Increase the speed of administration

• Trade; distribution and general industry • Mining; land reclamation and restitution • Shipping and ship building • Energy

So why choose Nordic Guarantee?

• High level of service • Easy to apply for guarantees online • High level of expertise in guarantees • A totally secure guarantee • Efficient way to manage liquidity • Ability to provide guarantees in numerous geographies: ü All Nordic countries ü Several countries in Europe ü Through our partnership with Lombard and Assetinsure; more than 20 countries in Africa and Australia respectively • Competitive pricing • Long-term partner • We invest time to understand your business

Unmatched Reinsurance Capacity Confident beneficiaries are important for us and we are backed by the world’s leading reinsurers.

Our reinsurers

S&P

Total assets

Capital to back NG risk

Risk/ equity

Financial figures as at

Arch Reinsurance Europe DAC

A+

301 126

40%

5%

120 450

0,01%

FY 2018

Axis Re SE

A+

231 119

27%

4%

62 402

0,01%

FY 2018

Endurance Specialty Insurance Ltd (Sompo)

A+

208 103

26%

5%

54 107

0,02%

FY 2018

Hannover Rueck SE

AA-

Liberty Mutual Insurance EuropĂŠ

A

651 168

14%

12%

90 512

0,03%

FY 2018

53 704

22%

10%

11 815

0,16%

FY 2018

Partner Reinsurance Europe SE

A+

218 652

29%

10%

63 409

0,03%

FY 2018

R+V Versicherung AG

AA-

88 312

26%

16%

22 961

0,14%

FY 2018

Scor Global P&C SE

AA-

472 416

13%

10%

61 414

0,03%

FY 2018

Swiss Reinsurance Company Ltd

AA-

1 990 884

14%

16%

278 724

0,01%

FY 2018

Everest Reinsurance (Ireland) DAC

A+

237 832

32%

3%

76 106

0,01%

FY 2018

MS Amlin

A

125 160

31%

3%

38 800

0,01%

FY 2016

Sirius

A-

57 540

30%

Nordic Guarantee assets to cover for net claims (priority register) Total

* All amounts in MSEK

Equity ratio

Share of NG risk

2%

17 262

0,03%

FY 2018

309

5%

309

3,23%

Q2 2018

4 636325

100,00%

898 272

0,02%

NORDIC GUARANTEE IS LOCATED IN THE FOLLOWING NORDIC COUNTRIES:

Sweden (Head Office)

Kista Science Tower, SE-164 51 Kista Tel +46 834 0660, Email info@nordg.se nordicguarantee.se

Norway

Dronning Eufemias gate 14, NO-0191 Oslo Tel +47 2295 5700, Email info@nordg.no nordicguarantee.no

You do business we guarantee.

Finland

Äyritie 12 A, FI-01510 Vantaa Tel +358 10633 8100, Email info@nordg.fi nordicguarantee.fi

Denmark

Havnegade 39, 1058 København K Tel +45 3360 8560, Email info@nordg.dk nordicguarantee.dk