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LEV INS
PRESENTATION

The Lev Ins AD Insurance Company was established in 1996 and became one of the first 100 % privately owned companies in Bulgaria's insurance sector. The Company's own capital was raised by Israeli and Bulgarian investors. In 2007 Julius Baer Investment Management, currently known as Artio International Equity Fund, bought shares in the Company. It is a part of a financial group operating in the fields of general insurance, life insurance, secondary retirement provision and health insurance.

Over the last several years ZK Lev Ins AD became the undisputed leader in Motor Third Party Liability Insurance which forms the biggest share in the portfolios general insurance companies in Bulgaria.

Our most important advantage is that ZK Lev Ins AD is the company with the largest insurance reserves. These were established in accordance with all of the requirements of the applicable law and under the control of the Financial Supervision Commission of the Republic of Bulgaria. This makes the Company the most stable insurance carrier on the Bulgarian insurance market.

In 2013 ZK Lev Ins AD ranked first in the most important category, namely market share.

The sustainable growth of the Insurance company is to a large degree driven by the anticipatory approach in risk management which is put in practice by applying the Active Corporate Security philosophy. This allows us to grow and improve profitability. The key to ZK Lev Ins AD's success is the excellent communication with our customers.

Apart from being the market leader, in 2013 ZK Lev Ins AD was awarded the prize for Most Trustworthy Insurer in Terms of Insurance Compensation Payment.

ZK Lev Ins AD has earned the trust and support of large international reinsurers and maintains high-capacity reinsurance programs for the main lines of its business. Some of the major reinsurers we work with include Swiss Re, Lloyds, Aspen Re, Sirius, and Scor among others.