Presentation by John Ainley, group HR director, Aviva plc at the the CBI's third low-carbon business breakfast event. London, June 2010.

1. Employee led sustainability? Pruning apple trees to Climate Change reality John Ainley - Group HR & CR Director Taking the right steps forward

2. Aviva & Climate Change Aviva is the world’s fifth largest insurance group, providing insurance, savings and investment products across Europe, North America and Asia Pacific. We employ 46,000 people providing prosperity and peace of mind to our 53 million customers worldwide. Globally, long term insurance and savings accounted for 80% of our business- based on sales in 2009, compared to general insurance and health which makes up the other 20%

3. Aviva & Climate Change Climate change is a risk to the longevity of our current business model Increasingly a disrupter to our purpose - prosperity and peace of mind Addressing impacts and using our influence to encourage others Climate change is a long term challenge which demands long term solutions which need to be integrated into the way we do business

4. Climate change strategy Sphere of Control Working to reduce our own climate change impact through behaviour and technology. Helping employees to manage their own carbon footprint. Control Operations, employees Participation in external forums Customers,Suppliers,Investees Concern Influence Sphere of Concern Engaging with like-minded companies and organisations on the issue of climate change to reach consensus on understanding and action. Sphere of Influence Creating new or adapting existing products which reward positive environmental behaviour of customers. Encouraging responsible behaviour in the companies we invest in. Building CR question sets into the supplier tendering process. Issues affecting climate change are included. page 4

5. Our employee promise Employee Promise “At Aviva, I am recognised for who I am, and my contribution matters.” Aviva’s commitment to CR is genuine 66% 27% 6% Aviva makes business choices that support the environment 62% 30% 8% Favourable responses are 8% above the Global Norm

6. Employee communications Annual Corporate Responsibility Report Annual Employee Report Groupwide intranet (AvivaWorld) Open forums & Townhalls

7. Some examples….. PAYD Carshare schemes Bike2Work iSAVE Insulate Today Employee carbon offsetting 10:10

8. Regional Initiatives – Hong Kong

9. Environmental Champions 130 champions Throughout UK Feedback local issues Share practical solutions Cross regional roll-out

10. 45,000 Environmental Champions