We are pleased to provide the following extracts of references received from the main insurance companies in Switzerland.

As you can see, each person has written an original and sincere message which shows his personal appreciation of our business relations.

From the Rentenanstalt (now called Swiss Life)
Mario-Laurent Scotto, Regional Manager
31st December 1997, Quote:

"This company transmits mainly life insurance policies, which thanks to the extensive experience of Mr. Raymond Noujaim and his staff in the domain, entirely fulfil the high criteria of professionalism required by our Company.

R. Noujaim & Partners Ltd. manages a large portfolio of clients who are completely satisfied with his services and the excellent management of their files. Mr. Noujaim’s credibility is the fruit of his long experience in the domain. We are pleased to bring to your attention that the extremely low rate of insurance policy cancellation confirms the quality of his services."

From Mobilière Suisse, Insurance Company
Yves Corbaz, General Agent of the Company
22nd January 1998, Quote:

"We certify that since September 1st 1993 we have been working with you and your company, as a broker and provider of business.

We are pleased recognize your flawless professionalism in the way that you handle business. Clearly no complaint has ever been made about you by any of our mutual clients. The business you have transmitted to us has been of a very high quality and the rate of cancellation is far below average.

In summary, your credibility, competence and honesty are clear for all to see."

From Winterthur-Vie
Paul Weder, Broking Service Manager &
Laurent Prébandier, Broker-Consultant
29th January 1998, Quote:

"We would first like to highlight the fact that the business you have brought to us has been of a very high quality, since to this day we have received no complaint from clients with whom you have concluded contracts. Furthermore, there has been no cancellation up to present concerning the business you have brought to us.

We would consequently like to emphasize the quality of your services to our company in the conclusion and the management of business."

From Retraites Populaires, Life Insurer
Alain Pahud, Director
23rd January 1998, Quote:

"Raymond Noujaim & Partners SA has been a business partner of our company since 1994. At present, we are able to state that we are entirely satisfied to be able to work with Mr. Noujaim in the Life Insurance domain.

The business transmitted us by Mr. Noujaim falls exclusively into the category of life insurance (life pension and private). It is with pleasure that we note the precision and professionalism with which Mr. Noujaim and his staff work, as well as the way they are constantly looking out for the interests of our common clientele.

Moreover, the quality of Mr. Noujaim’s services is supported by the absence of cancellations of policies concluded through him."

From Protekta
M. N. Schaller, The Management
17th February 98, Quote:

"We can only confirm that the business transmitted is good business and meets the professionalism required by our company. The business brought to us by Mr. Noujaim is serious and established according to the wishes and need of the clients. We can confirm that his business relationships with the clients are serious and very positive. Up to present we have never received a single complaint or claim from the clients whose portfolios he manages. The clients are very happy with the seriousness of his work, which is why his rate of contract cancellations is zero. Mr. Noujaim can boast a high level of credibility in the business he handles."

From La Bâloise Assurances
Manuel Espasandin, Director for Swiss Romandie
18th February 1998, Quote:

"The development of the volume of business transmitted by this company, essentially in the Life Insurance category, is encouraging. We can state with satisfaction that the contracts brought to us are of excellent quality. No cancellation or complaint has been registered to this day.

These observations reveal the professionalism of Mr. Noujaim’s organisation, rigorous risk selection and perfectly adapted advice to clients.

We can unreservedly recommend this partner and hope that the whole of the profession will be able to benefit from his knowledge."

Eleven "D's"

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