BUSINESS CONCEPT Protector commenced business January 2004, and has since experienced rapid growth. The company is highly focused on risk selection and market adaptation. In May 2007, Protector was listed on the Oslo Stock Exchange, reaching a goal that was stated from the beginning. VISION Protector will be the challenger. This position will be achieved through unique relationships, state of the art decision making and cost effective solutions. DISTRIBUTION STRATEGY Protector has a distinct distribution strategy. All business is conducted through our selected brokers. The commercial and public sector business is sold through insurance brokers. The same strategy applies to our affinity programs. Change of ownership insurance is distributed through selected real estate agents and lawyers. MARKET STRATEGY Protector has a distinct distribution strategy. All distribution is done through intermediaries. Protector has a wide and good cooperation with insurance brokers and are invited to partake in all the relevant tenders. A significant proportion of the tender volume is channelled through the market-leading brokers.