Product Profile

Crime & Financial Institution Bonds

AIG’s Crime Insurance and Financial Institution Bonds provide tailored coverage for commercial and governmental entities, as well as fnancial institutions and fnancial services frms. These policies address loss of , securities, and other assets resulting from acts such as employee theft, theft on premises or in-transit, forgery, fraudulent transfer of funds, and computer systems fraud. Backed by expert underwriting and claims teams with years of experience in this space, our teams will work to resolve a claim effciently if a loss does occur. We also partner with to mitigate the human element of this risk by providing best practices and training for employees via RiskTool, a web-based, customizable platform.

Key Advantages • Team of 10 dedicated Crime & Financial Institution Bond professionals who have an average of over 10 years of experience. Their level of expertise benefts policyholders by resolving matters effciently, and identifying new loss developments and trends. • Cohesion between claims and underwriting teams facilitates emerging loss trends being addressed through coverage enhancements or loss mitigation tools. • End-to-End risk solution for Impersonation Fraud Impersonation Fraud Coverage Recent trends show criminals taking increasingly creative measures to impersonate executives and other trusted partners in an effort to induce transfers of the ’s funds to their personal accounts.

AIG’s Impersonation Fraud coverage provides coverage on a sub-limited basis to Insureds from risks such as: • Impostors posing as senior executives requesting an urgent payment from the Insured to a foreign account. • Impostors posing as employees of the Insured’s vendor requesting a change in the vendor’s bank account details for future payments. Crime Insurance & Financial Institution Bonds

Manage the Human Element Employee awareness and training are critical to creating a culture of security within an organization.

To better protect organizations and employees, qualifed policyholders receive complimentary access to RiskTool, AIG’s training and compliance platform powered by RiskAnalytics. After completing a simple registration process, organizations have access to specifc training on Impersonation Fraud as well as sample policies and procedures. Training modules within RiskTool can easily be assigned to employees, with the ability to track their progress. The training module and policies provide best practices and policies to help employees recognize and avoid this scam.

The video-based Impersonation Fraud training program in RiskTool is engaging and effective. The program uses realistic scenarios to illustrate what an impersonation fraud scam looks like and demonstrates three red fags employees should recognize to avoid becoming a victim of this type of scam.

RiskTool is web-based and easy to use. It helps organizations: • Build a culture of security to help employees understand the importance of security and their specifc roles in achieving it. • Raise awareness of internal procedures and controls as integral steps in mitigating risk. • Educate employees to recognize and avoid the security threats they may face in their own jobs.

www.aig.com American International Group, Inc. (AIG) is a leading global insurance organization serving customers in more than 100 countries and jurisdictions. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. AdditionalAmerican International information aboutGroup, AIG Inc. can (AIG) be foundis a leading at www.aig.com international | insuranceYouTube: www.youtube.com/aigorganization serving customers | Twitter: in @AIGinsurancemore than 130 countries| LinkedIn: and www.l jurisdictions.inkedin.com/company/aig AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed AIGon the is Newthe marketing York Stock name Exchange for the andworldwide the Tokyo property-casualty, Stock Exchange. life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at www.aig.com. All products and services are written or provided by subsidiaries or affliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insuranceAIG is the marketing products name and for servicesthe worldwide may be property-casualty, provided by independent life and retirement, third parties. and Certain general property-casualty insurance operations coverages of American may be International provided by Group, a surplus Inc. linesFor additional insurer. Surplus information, lines insurers please do visit not our generally website atparticipate www.aig.com. in state guaranty funds, and insureds are therefore not protected by such funds. AIG Insurance Company of Canada is the licensed underwriter of AIG Property-Casualty insurance products in Canada. Coverage may not be available in all provinces and territories and is subject to actual policy language. ©Non-insurance 2016 American products International and services Group, may Inc. be All provided rights reserved. by independent third parties. 04/16 (1261D) TPW016 Product Profile © 2014 American International Group, Inc. All rights reserved.