Our vision is to be the world’s most effective and responsible data analytics company in pursuit of our customers’ most strategic opportunities.

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3/17 The Verisk Way™

We’re committed to serving our customers with the highest level of quality, service, and innovation in all we do. That’s The Verisk Way.

Three powerful principles guide the way we approach our work:

SERVE We take great satisfaction anticipating the needs of our customers and colleagues and in exceeding their expectations.

ADD VALUE We see each day as an opportunity to add value by continually improving quality, productivity, and timeliness.

INNOVATE We’re passionate about visualizing the future and being thought leaders in order to achieve a better tomorrow.

We do things The Verisk Way because we want our customers, colleagues, shareholders, and communities to flourish. Who We Are

Verisk Analytics is a leading data analytics provider serving customers in insurance, natural resources, and financial services. We’ve been delivering data, analytics, and decision support services to our customers for more than 45 years.

Headquartered in Jersey City, New Jersey, we’re a socially responsible global company with offices and customers in nearly 80 countries around the world. Our industry-leading brands include ISO, Xactware, AIR Worldwide, Argus, and Wood Mackenzie.

Verisk Analytics is a member of Standard & Poor’s S&P 500® Index and part of the Nasdaq-100 Index. In 2016, Forbes magazine named Verisk Analytics to its World’s Most Innovative Companies list and to its America’s Best Large Employers list. Verisk is one of only 14 companies to appear on both lists. Verisk also received the Great Place to Work® Certification for its outstanding workplace culture.

® AAMERIMERICA’SCA’S BESTBEST LARGELARGE EMEMPLOPLOYERYERS S Nasdaq: VRSK

AMERIAMERICA’SCA’S BESTBESTLARGELARGE ©2015, Forbes Media LLC. Used with permission. ©2015, Forbes Media LLC. Used with permission. EMPEMLOPYLOERYSERS

Our People

We employ more than 6,000 people worldwide to meet the needs of our 6K+ diverse customers.

Members of our highly skilled workforce hold almost 2,000 master’s degrees, doctorates, and advanced degrees in predictive analytics, data ~2K science, actuarial science, mathematics, computer science, chemistry, physics, economics, engineering, meteorology, and GIS mapping.

Our people share common values: a commitment to excellence and professional growth, personal integrity, enthusiasm for challenging work, and a desire to contribute their capabilities to a successful team. What We Do

Using advanced technologies to collect and analyze billions of records, Verisk Analytics draws on unique data assets and deep domain expertise to provide first-to-market innovations that are integrated into customer workflows. We offer predictive analytics and decision support solutions to customers in rating, underwriting, claims, catastrophe and weather risk, global risk analytics, natural resources intelligence, economic forecasting, and many other fields.

We help customers make better decisions about risk, investments, and operations with greater precision, efficiency, and discipline. In the United States and around the world, Verisk Analytics helps customers protect people, property, and financial assets. Insurance

We offer risk assessment services and decision analytics to property/casualty insurers, reinsurers, risk managers, and regulators. We help our customers in the areas of underwriting and rating, claims management, fraud prevention, catastrophe management, and premium audit and loss control. We also provide data and statistical services, insurance policy programs, and compliance and reporting services. And we have expertise in vehicle telematics and enterprise risk management.

Natural Resources

We provide national and international companies in the energy, chemicals, metals and mining, and renewables sectors with commercial intelligence through our assess- ment and valuation of thousands of individual assets, companies, and economic indicators. Our clients trust us to help them identify and mitigate risk exposure and make confident strategic and operational decisions, asset investments, and portfolio allocations using integrated analysis and deep industry knowledge.

Financial Services

For financial institutions and merchants, we offer bench- marking, scoring, analytics, and customized services. These tools help them understand, analyze, and address important challenges facing the payments industry, such as credit default, fraud, loss of market and wallet share, emerging payment technologies, and increased regulatory pressure. We also provide business intelligence platforms, mobile data solutions, enterprise database services, and fraud risk scoring algorithms. Insurance

We offer risk assessment services and decision analytics to insurers, reinsurers, risk managers, agents, brokers, and regulators. Our high-quality, leading-edge solutions offer a powerful mix of capabilities to help customers assess and price risk with more accuracy, grow profitably, and improve operational efficiency.

Underwriting and Rating rating territories, local premium taxes, and property We provide underwriting and rating information characteristics. We also offer objective, accurate to help customers understand and manage risks. risk assessments for natural catastrophe perils Our services help reduce policy acquisition costs, such as earthquakes, hurricanes, wildfire, sink- improve rate classification integrity, and support holes, flood, and hail. And we provide insurance- growth and retention strategies. They also help to-value and replacement cost estimation tools. customers more accurately price risks, reduce premium leakage, and maximize profitability. For more than 3.7 million commercial properties, we provide underwriting and rating information on Our suite of residential property information tools construction, occupancy, fire protection, business- provides risk-specific data representing every specific exposures, and perils; hazard scoring for address in the United States. Customers can risk selection and loss control; and ultrahigh- access data on fire protection for more than 46,000 resolution aerial imagery (where possible). fire protection areas, building code adoption and enforcement for about 21,000 communities, For underwriting commercial and personal auto crime and projected crime-risk scores, properties policies and evaluating insureds at policy renewal currently or previously in foreclosure, insurance time, we offer a wide array of driver, driver history, and vehicle information. We help auto insurers 1 billion records and is growing every day. We verify garaging addresses at point of sale and provide vital data on property, casualty, and auto renewal and spot red flags using license plate claims, including physical damage, theft, and recognition technology with a location database salvage information. We offer information on prior of more than 4 billion license plate scans. With loss histories and help customers identify claims our mobile app, we help insurers collect validated patterns, improve claims processing, and detect vehicle odometer readings using consenting policy- fraud. We also provide data such as criminal holders’ smartphones to track vehicle miles driven records, police reports, weather forensic reports, for rating, underwriting, and usage-based insur- and vehicle location reports to improve claims ance (UBI) programs. handling and investigations. With our tools that include up-to-date research on local repair costs, we help customers estimate the cost of structural repairs and personal property. And we have a claims-scoring system that helps identify claims 3.7M+ fraud, as well as a case management system that Detailed information on more than increases the efficiency of claims investigations. 3.7 million commercial buildings We have tools to help settle bodily injury and liability and 26 million businesses claims quickly and equitably, manage the subro- gation process better, and increase opportunities for recovery. We help detect suspicious patterns in To help classify, segment, and price insurance risks medical billing activity so customers can investigate with more accuracy, we offer powerful predictive cases of likely fraud. And we offer products that modeling tools that examine hundreds of indicators use visual link analysis technology to help detect to predict expected losses at the policy level by and fight insurance fraud, giving customers the major coverage or peril. power to analyze large amounts of data so it’s easy to understand. For automating the time-consuming and costly process of policy rate maintenance and manage- ment, we provide innovative rating automation tools. For maintaining rating integrity, we offer services to help detect, correct, and prevent rating errors 1B+ throughout the policy life cycle. More than 1 billion claims in our insurance fraud-fighting Claims Management and claims database Fraud Prevention We offer integrated tools to help customers make better decisions at every step of the claim life cycle. From reporting and processing to analysis and Catastrophe Management investigation, our solutions empower adjusters to We’ve developed more than 100 models for natural quickly distinguish between meritorious claims catastrophe, cyber, and terrorism risk to assess the that can be paid expeditiously and those requiring likelihood and severity of loss in some 100 countries additional investigation. We’ve built the world’s larg- around the world. Our models cover more than est database of claims information, which contains 85 percent of global catastrophe losses. For primary personal and commercial lines insurers, the excess Vehicle Telematics and surplus market, reinsurers, and brokers, we We offer analytical tools for telematics and usage- provide a complete catastrophe modeling and risk based insurance (UBI) programs for personal and analysis platform with advanced analytics to help commercial auto that directly measure driving them manage risk associated with natural and behavior. Our first-of-its-kind data exchange man-made catastrophes, weather, and climate. efficiently retrieves driving data from all kinds of connected vehicles for underwriting, rating, and With our catastrophe management services, we claims handling through UBI programs. The single help customers assess individual risks, analyze exchange solves the many-to-many challenge by their portfolio distribution, assist with reserving connecting automakers and telematics service pro- decisions, develop loss mitigation strategies, and viders to multiple insurers. For insurers, telematics evaluate risk-transfer alternatives. We collect data data can spur quick and efficient implementation on disasters in the United States, Puerto Rico, of UBI programs, mitigate loss while promoting the U.S. Virgin Islands, and Canada and provide safe driving, and improve policyholder experience analytics that define the extent and type of damage, from purchase through renewal and claims. establish dates of occurrence, determine the geographic areas affected, and assign catastrophe serial numbers the industry uses to track losses. Compliance and Reporting We provide complete, up-to-date reporting on For more than four decades, insurers have relied severe weather incidents. And we offer bench- on us for compliance and reporting services, marking reports that provide industry best prac- which help them make more informed decisions, tices, data and information for catastrophe claims plan strategically, and comply with federal and operations, and insight on catastrophe response state requirements. compensation procedure and policy decisions. For the property/casualty industry, we serve as statistical agent for many lines of insurance in all 50 states, the District of Columbia, and Puerto Rico. We help insurers comply with their legal 100 + responsibility to collect statistical data about More than 100 models for natural premiums and losses and report that data to insurance regulators. We provide auto data to catastrophe, cyber, and terrorism AIPSO on behalf of our reporting companies, risk in some 100 countries as well as the required claims data to state fraud bureaus, fire marshals, or other entities on behalf of insurers. We also have tools to notify loss Using a trillion observations covering two decades, payees and mortgagees of policy changes we develop data-driven estimates of severe weather affecting their collateral and help customers hazards for insurers in the United States and Canada comply with electronic automobile liability to gain additional insights on severe weather and insurance reporting (ALIR). help them manage weather risks and related costs. Our workers compensation compliance and report- ing services offer back-office processing support, injury and policy reporting, data conversion, proof of coverage, and advanced analytics. Our Medicare compliance services help customers all kinds of property and liability risks for 26 lines comply with mandatory claims reporting require- of commercial and personal insurance, including ments of Section 111 of the Medicare, Medicaid, specialty lines such as directors and officers liability, and SCHIP Extension Act of 2007 (MMSEA). We cyber risk, financial institutions, motorcycle, and also provide Medicare compliance and claims inland marine. Our standardized programs help resolution services to help customers meet obliga- regulators make sure insurers’ policies meet basic tions under state and federal laws—while reducing coverage expectations, simplify claim settlements, claims costs and expediting settlements. and assist insurers in entering new markets and lines of business. We also offer coverage options for emerging risks, such as ridesharing, drones, and virtual currencies, and report on others, such as hydraulic fracturing, blockchain technology, ~3B and the Internet of Things. Approximately 3 billion detailed We provide advisory prospective loss costs— records of insurance premiums estimates insurers can use to make decisions and losses collected each year about the prices they charge for their policies. in our statistical database We also offer information necessary to minimize customers’ compliance exposure. We carefully monitor developments in the statutory and regula- tory arenas and track thousands of legislative bills, Data and Statistical Services regulatory actions, and court decisions annually. From our statistical database, in which we amass On average, we submit roughly 3,000 filings to approximately 3 billion detailed records of collected state insurance departments every year to keep insurance premiums and losses each year, we our products compliant with statutory and regula- provide advisory prospective loss costs, cash flow tory requirements. Our State Filing Handbook and investment income analyses, aggregate infor- provides an online source of critical compliance mation on insurance trends, classification and details and information about state filing laws, territory analyses, assessments of financial risk from regulations, and procedures in all jurisdictions. catastrophic events, reports on loss development and severity trends, insurance premium change information, and more. Customers can use this Technical Advisory Services information for ratemaking, underwriting, bench- We provide technical, legislative, and regulatory marking, strategic planning, reinsurance pricing, information for risk management and loss control, and marketing. We also provide statistical plans helping customers manage commercial property/ and reporting services to help our customers meet casualty risk. We analyze specific hazards, pro- individual state requirements. cesses, and operations and provide guidelines for loss control. We also provide technical information and training for premium auditors and help properly Insurance Coverages and Emerging Risk classify exposures for commercial casualty insur- We’re the recognized leader in developing stan- ance, including general liability, commercial auto, dardized and specialty insurance policy programs and workers compensation. that help insurers define and cover the risks their policyholders face. We develop policy language along with rating and policywriting rules to cover Natural Resources

We’re a global leader in commercial intelligence for the natural resources sector, empowering customers to make better strategic decisions by arming them with objective analysis and advice on assets, companies, and markets. We have dedicated oil, gas, power, chemicals, and metals and mining sector teams located around the world. They deliver research and consulting projects based on our assessment and valuation 55M+ of thousands of individual assets, companies, More than 55 million energy and economic indicators, such as market supply, demand, and price trends. data points in the upstream oil and gas industry Over the past 40 years, we’ve evolved naturally along the energy value chain to capture all the key components affecting global markets. Our integrated approach allows us to spot trends and forecast On-Demand Reports and Forecasts future dynamics before anyone else. In response to an inherent need for customized and flexible access to our insight, more than 10,000 of At every stage, we apply a unique and rigorous our reports and forecasts are available for purchase analytical approach to provide objective analysis online, covering the entire value chain at an asset, and trusted advice valued around the world. As a company, and market level. result, we can count the world’s key energy com- panies, financial institutions, and governments among our most loyal customers. Consulting Our consultants are uniquely positioned to under- We work with strategy and policy makers, business stand our customers’ businesses and the wider developers and market analysts, corporate finance competitive landscape, turning complex challenges professionals, risk teams, and investors. They trust into profitable opportunities. Strengthened by our us to help them make confident strategic decisions leading research division and embedded in the based on integrated analysis and deep industry industry, our consultants help customers improve knowledge. performance and stay ahead of the competition.

Subscription Services Country Risk Data Our subscription services give customers direct Our fully integrated risk data and subnational map- access to more than 500 of our expert research ping platform allows energy and metals and mining professionals, who are located around the world companies to identify, compare, and monitor more and have unrivaled knowledge of the regions they than 200 risks, including terrorism, conflict, civil cover. Their strong, established relationships with unrest, corruption, human rights violations, and industry contacts take our primary research to a natural hazards. We support these analytics with more detailed level, where we can ask the right in-depth reports that provide comprehensive risk questions to get to the answers that matter. assessments for countries, sectors, or commodities and with a range of interactive tools that help companies manage and mitigate key operational and reputational risks. Financial Services

For financial institutions and firms in the payments industry, we offer bench- marking, scoring, analytics, and customized services. Those solutions help our customers understand, analyze, and address important challenges facing the payments industry, such as gains or losses in market and wallet share, credit default, fraud, emerging payment technologies, and the impact of regulatory change.

We also provide tailored data management solutions to customers worldwide, including business intelligence platforms, profitability views, mobile data solutions, enterprise database services, and fraud risk scoring algorithms.

Syndicated Studies technology, our benchmarking studies enable Our array of benchmarking studies provides an banks to fully understand their customers’ unique external perspective for customers by compiling needs and to build products and services to match. and reporting product, performance, and profit- The studies also help our customers understand ability information aggregated from an extensive current competitive trends (such as growth trends and comprehensive mix of market participants. and emerging technologies) of the credit card, Depersonalized but joined by proprietary wallet personal loan, and retail banking industries. Product Solutions forecasting, and business modeling for new product We offer predictive algorithms, business intelli- launches. Our practice also extends to installment gence, and analytical tools that help our customers loans, sales finance, small-dollar installment loans, measure, manage, and optimize the performance and peer-to-peer (P2P) lending—lending funds to of their portfolios and develop competitive strate- businesses through online services that match gies. Our statistical models and algorithms, including lenders directly with borrowers, helping customers both highly customized and off-the-shelf variants, develop and grow profitable, well-managed, and optimally align products and promotions to the compliant business solutions. appropriate prospects and customer segments, identify first- and third-party fraud, and mitigate repayment and capital risk. We focus on developing Retail Analytics the right business partnerships to deliver scalable For card issuers, their merchant partners, and digital marketing solutions. acquirers, we provide advanced tool sets, applica- tions, and insights that address industry challenges. Our customers gain competitive advantage, as we employ unique and proprietary data assets and models to benchmark and predict store perfor- 1.5B mance; optimize fraud detection; eliminate opera- Depersonalized information tional inefficiencies; inform and enhance store location decision models; and track, assess, and on 1.5 billion credit and debit illuminate the impact of media and marketing spend card accounts in both online and offline channels.

Global Reach Advisory Services Argus offers our range of benchmarking, scoring, We combine best-in-class strategies, industry analytics, and custom solutions to clients in many expertise, and our industry data assets to help our countries worldwide. Our benchmarking solutions customers make better business decisions through are available across many locations in Asia, ongoing strategic and revenue-generating engage- including Australia, New Zealand, Malaysia, and ments. We develop bespoke strategies for wallet- Singapore; we’ve also expanded to Mexico and and market-share growth, credit line management, Brazil to complement existing solutions in the portfolio conversion, expense management, risk United States, the United Kingdom, Ireland, and management, capital and LLP provisioning, and Canada. With offices in most countries and Argus customer engagement, as well as optimization of dedicated teams working closely with customers marketing offers, collections strategies, and pricing for the delivery of custom solutions across a range and fees. of products, our customers find that Argus’s best-in-class analytics are never far away.

Alternative Lending We offer many services in alternative lending, including strategic planning, building and refining underwriting and risk capabilities, portfolio loss Our Global Platform

To best serve our customers, Verisk Analytics has many offices strategically located throughout the United States and around the world.

Bath Edinburgh Dublin Cambridge Guildford Uxbridge London Minneapolis Chicago Copenhagen Calgary Montreal Moscow Munich Beijing Halifax Astana Vienna Seoul San Francisco Boston Fleet Kathmandu Tokyo Middletown Lehi Tel Aviv Gurgaon New York Carlsbad Hong Kong Jersey City Dubai Kuala Lumpur Annapolis Hyderabad Singapore Houston Columbia Abuja Jakarta Worthington Perth Brisbane Beachwood Rio de Janeiro Sydney Lima Buenos Aires

For More Information

For information on our organization, products, and services, visit www.verisk.com

To learn about our commitment to corporate social responsibility, visit www.verisk.com/csr

For investor information, including the latest Verisk Analytics Annual Report and stock and financial information, visithttp://investor.verisk.com Our Commitment to Corporate Social Responsibility

Company People We’re committed to operating with business We’re committed to a culture of workplace diversity integrity that guides our work within a responsible and inclusion and to the well-being and professional economic, societal, and environmental framework. growth of our people.

Environment Society We’re committed to rightsizing our environmental We’re committed—locally and around the world— footprint in our business operations, buildings, to providing financial assistance to like-minded and automobile fleet by implementing strategies organizations and to supporting and volunteering to reduce energy consumption. in communities in which we work and live. What Sets Us Apart— Our Distinctives

At Verisk Analytics, we follow a set of Distinctives — sustainable competitive advantages — that guide our company. Our Distinctives provide a unique framework to produce actionable, mission-critical solutions to meet the needs of our customers and the markets we serve.

UNIQUE DEEP DOMAIN STEADY STREAM DEEP DATA ASSETS EXPERTISE OF FIRST-TO- INTEGRATION MARKET INTO CUSTOMER We use our We have specialized INNOVATIONS WORKFLOWS proprietary data and in-depth assets to develop knowledge in a Because innovation By embedding predictive analytics number of defined is vital to growth our solutions into and transformative vertical markets. and success, we’re customer work- models for our on a continuous flows, we help our customers. quest to be the first customers better to market with new manage risk and solutions. optimize their bottom line.

545 Washington Boulevard Jersey City, NJ 07310-1686 201.469.3000 www.verisk.com

© 2018 Insurance Services Office, Inc. Verisk Analytics, the Verisk Analytics logo, and ISO are registered trademarks and Verisk and The Verisk Way are trademarks of Insurance Services Office, Inc. AIR Worldwide is a registered trademark of AIR Worldwide Corporation. Argus is a trademark of Argus Information and Advisory Services, LLC. Wood Mackenzie is a registered trademark of Wood Mackenzie Limited. Xactware is a registered trademark of Xactware Solutions, Inc. All other product or corporate names

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