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ÿÿAHA ROYAL INSURANCEÿÿ LTD

1. Registration date - 2004 July
2. Sphere of Activity - Insurance
3. Product(s)/Service(s) aimed at export
a) Cargo Insurance
b) Vehicle Insurance
c) Property Insurance Company Address
d) Medical Insurance Armenia, Yerevan, Hanrapetutyan str. 62/98
e) Liability Insurance Tel.: (37410) 52 67 30, 52 67 40, Tel./Fax
f) Travelers Insurance (37410) 52 67 40
g) Construction Works Insurance E-mail: aharoyal@insurer.am
h) Personal Accident Insurance e.t.c.
4. Product/Service Specifications Web-site: www.insurer.am
Royal Insurance provides its clients with a comprehensive range of services in the non- Contact person: Mr. Hayk Karapetyan
life insurance area.
Our clients are many Armenian and foreign companies from various spheres of
economy including exporters and importers of goods.
For exporters and importers we offer Cargo Insurance where we have strong competitive advantages. All risks covered by us are reinsured by
Lloyd’s famous Syndicate Wellington SSL.
5. Preferable way of transportation - Cargo Insurance in the case of any way of transportation
6. Representations in other countries
Our business partners for Reinsurance are such famous companies as Wellington Syndicate Services Ltd (UK), AXA Group (France) Hannover Re
(Germany)
7. Experience in Export activities - Insurance of cargo to any direction

ÿÿCASCADE INSURANCEÿÿ CJSC

1. Registration date - 13.10.2004 (License Date- 30.12.2004)
2. Sphere of Activity
Insurance
3. Services
Life Insurance:
a) Term Life Insurance Contact Address
b) Critical Illness Insurance H. Kochar 5, Yerevan, Armenia
c) Disability Insurance Tel.: (374 10) 27.87.76, 26.38.40
Non-Life Insurance: Tel/Fax.: (374 10) 27.82.21
a) Property Insurance Web site: www.cascadecapitalholdings.com
b) Motor Insurance www.cascadeinre.com
c) Cargo Insurance
Financing services Products & Services
d) Liabilities Insurance E-mail: info@cascadeinre.com
e) Medical Insurance Contact person: Mr. Garnik Tonoyan
f) Personal accident insurance
g) Aviation Insurance
h) Construction All Risks Insurance
4. Service Specifications
a) Cascade Insurance offers comprehensive insurance coverage to direct retail and corporate clients and reinsurance capacity to other domestic
Armenian insurance companies.
b) CIRCO has arranged comprehensive reinsurance coverage through Resolution Consultants Ltd and Willis insurance brokers, London for its Non Life
underwriting portfolio.
c) Principal reinsurers are SCOR (rated AA- by Standard & Poor’s) and Polish Re (rated BBB- by Standard & Poor’s).
d) Life reinsurance is provided by Munich Re, the world’s largest reinsurer, rated AA by Standard & Poor’s.
5. General Information
· Cascade Insurance CJSC is a subsidiary of Cascade Capital Holdings, which in turn is 100% owned by the Cafesjian Family Foundation (CFF), a
United States Non-Profit 501(C)3 organization.
· Cascade Capital Holdings (CCH) currently comprises Cascade Bank (including Cascade Bank Georgia), Cascade Credit, Cascade Investments and
Cascade Insurance
6. Shareholders
Cascade Capital Holdings CJSC – 65%
EBRD – 35%

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