FM Global s eligible policyholders will collectively receive an esti mated US 435 million in membership credit when they renew their policies between June 30 2017 and June 29 2018 This is the 10th time and the fifth year in a row that FM Global has been able to make this type of tangible benefit available to its policyholders Follow ing this credit FM Global clients will have benefited from approxi mately US 3 8 billion in membership credit since the program was introduced in 2001 The 2017 2018 membership credit is a result of the company s strong operational and financial results in 2016 during which FM Global posted a combined ratio of 83 2 percent and had a poli cyholders surplus of US 11 9 billion The membership credit exemplifies the core value of our mutual structure says Thomas A Lawson president and chief executive officer Our clients support of risk improvement and business resilience was fundamental to FM Global s outstanding financial results last year making it possible for us to offer this benefit for a fifth consecutive year Check out the 2016 FM Global Annual Report For more information about FM Global s 2016 financial results see the company s 2016 Annual Report Themed Building Your Competitive Advantage the report profiles Campofrío Food Group which recovered from a very serious fire in Spain just after becoming an FM Global client and Eastman Chem ical a company that celebrated its 50th anniversary with FM Global last year Both companies experienced firsthand the competitive advan tages gained through their FM Global partnership View the annual report via fmglobal com FM GLOBAL NAMED BEST INSURER FOR PROPERTY AND BOILER AND MACHINERY FM GLOBAL ISSUES 10TH MEMBERSHIP CREDIT FOLLOWING ANOTHER YEAR OF STRONG FINANCIAL PERFORMANCE noteworthy FM Global has been named the best insurer for property and boiler and machinery in National Underwriter Property Casualty magazine s 2017 Risk Manager Choice Awards The annual survey recognizes the top carriers named by risk professionals in their efforts to mitigate exposures FM Global also was rated tops on four key factors considered critical to risk managers client orientation expertise market knowledge risk management advice financial security and underwriting capabilities The awards are based on a national survey of risk managers conducted by Flaspöhler a business to business analytics and research firm 8 REASON ISSUE 1 2017

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