Regulatory Challenges Affecting Capital and Risk Management Strategies

TO: FROM:

RE: Request to attend the INSURANCE RISK NORTH AMERICA CONFERENCE 2013: November 5, New York

TODAY’S DATE:

Dear I would like to request approval for attending the INSURANCE RISK NORTH AMERICA conference, which is taking place on November 5 at the New York Athletic Club in New York. Due to the attention that we are giving to our budget spend, I am outlining the benefits and value that this event will deliver.

The CPE accredited one-day agenda offers brand new unseen research and the latest industry updates delivered by 30 of North America’s leading risk management professionals from global insurance companies and regulators.

Main Topics Include: ● Regulatory challenges affecting capital and risk management strategies ● Systemic risk policy measures and the threats to the insurance industry ● Taking the ORSA process to the next stage ● Model risk management ● Enhancing economic capital models ● Guaranteed products and market risk ● Developing and embedding an effective risk culture into the business

Other advantages: ● The event will be a key networking opportunity as it attracts senior level risk management professionals from the likes of: Ace Group, AIG, Allstate Insurance, AFLAC, Chubb, Goldman Sachs, Guardian Life, Lincoln National Corporation, North Western Mutual, Prudential, TIAA-CREF, XL Group, Zurich Global Life North America, and many more ● CPE certified: By attending the event I will be able to enhance my personal professional development, earning up to 10 CPE points ● The one-day agenda will allow me to maximize my time out of the office learning the latest industry knowledge from expert speakers.

Below is a breakdown of costs for my travel and expenses to attend INSURANCE RISK NORTH AMERICA:

Airfare: Hotel: Registration: Meals: Other/Misc:

Thanks for considering this request. The sooner I receive your approval, the more I can look into reducing my expenses by booking my travel and hotel in advance.

Best wishes,