1. Best Practices for Rating and Policy Administration System Replacement June 18th 2009

2. Martin Higgins Director, Edgewater Technology, Inc. Todd Meyer Senior Sales Consultant, ISO Susan Daly Sales Consultant, AQS Today’s Speakers

5. The Nature of the Beast (Why best practices are important) Best Practices

6. Project Resolution Statistics Source: Standish Group 2006

7. The Challenges and Failures Source: WSR Consulting Group, LLC He Said… She Said… System doesn’t work; not what we needed. You changed your minds; You don’t know what you want or need. You delivered limited functionality. You continually changed project scope. The system failed in the field and in production. You didn’t perform the required “business process reengineering” to make it work. Your software, services, and expertise were oversold. You conducted your reference checks and due diligence. What didn’t you know? No one can use system! Poor training. “ Required staff” never came to primary training or refresher training. The system is “fundamentally flawed.” We only need 2 more months to test/fix issues. You never told us that! You gave poor advice! You didn’t follow our recommendations; you changed/delayed making key decisions. The system is full of bugs! Bad data conversion/poor interfaces caused the problems. Systems always have bugs! You baited, then switched! You provided unqualified, unstable, uncommitted staff, project manager(s), steering committee. No, you baited, then switched! You provided unqualified, unstable, uncommitted staff, project manager(s), steering committee.

8. Excerpt from Edgewater Whitepaper Best Practices Summary

9. 8 Steps to System Implementation Project Inception System Selection Requirement Definition Negotiation Planning System Integration Data Conversion Build or Modify Deploy & Maintain

24. How AQS Can Help Best Practices

26. AQS Access and ISO Rating Service AQS Access Quote & Policy Access ISO Rating Service Designer Access Policy Management External Integration Browser-based UI that is client centric, insures valid policy data entry Premium calculation engine - ISO based algorithms - Extensible architecture Full policy life cycle management Toolset used to Create ISO & Client Customized Ratebooks ISO Rating Service ISO Rating Service Generates policy xml for each issued transaction. Stages and publishes xml for downstream systems.

27. AQS Advantage: Major Functions AQS Advantage Enter Edit Engine Rating Engine Transaction Gateway Document Generation ISO Stat Generation Policy Management Integrator Sophisticated browser-based UI that ensures valid policy data entry Premium calculation engine - Data-driven algorithms - Extensible architecture Document selection, data capture, and pdf generation. Support for document delivery integration options. ISO Statistical record coding and generation Full transactional support. Maintains policy history. Policy storage and retrieval. Generates policy xml for each issued transaction. Stages and publishes xml for downstream systems. Unattended transaction processing initiated by external system. Advantage Toolset Rates / Document Rate & Document Management Toolset

34. The ISO Rating Service Best Practices

36. ISO Filings 2005-2008

37. How does the ISO Rating Service address this challenge?

39. Single Rating Solution

40. ISO-Interpreted Content

41. ISO Rating Service: Inheritance Methodology ISO Rating Service Base Company-Specific Base ISO LOB Countrywide Company-Specific LOB Countrywide ISO LOB State Company-Specific LOB State Spans lines of business for company Spans states for company Company, LOB-specific state exceptions

42. ISO Rating Service Tools and Information

44. Final Thoughts Best Practices

46. Any Questions? Martin Higgins Edgewater Technology [email_address] (781) 224 9026 Todd Meyer ISO [email_address] (781) 224 9026 Susan Daly AQS [email_address] (603) 546 2434