CKI Consulting Company Profile Annexure A-What We Do V1.1-03.2016.17

Enterprise Name: CKI Consulting (Pty) Ltd
Enterprise Registration Number: 2015/355812/07
BBBEE Status:

ED(s), NED(s)* & INED(s)**: Koahela Chabeli (CEO; CRO; CIO; CMO; EH: Customer Value Proposition; EH: Risk Engineering Services;
EH: Human Capital & Communications) & Saki Thekiso (CFO; COO)
Company Secretary: Saki Thekiso
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CKI Consulting (Pty) Ltd
Annexure A
Attaching To And Forming Part Of CKI Consulting (Pty) Ltd Company Profile
Document Description: What We Do
Version No. CKIC/CP/A.A/V1.1-03.2016.17
Supersede Version No.: N/A
Financial Year: 2016/17
Developed by: Koahela Chabeli
Title: Co Founder & Executive Adviser

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Completion Date: 04/03/2016
Effective Date: 05/03/2016
Status: Effective
Date Withdrawn: N/A
Superseded By Version No.: N/A
Attaches to Company Profile Version No.: CKIC/CP/V1.1-03.2016.17
Company Profile Version Status: Effective
Company Profile Version Effective Date: 05/03/2016
Company Profile Version Withdrawal Date: N/A
Company Profile Version Superseded By Version No.: N/A

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What We Do
A. Property & Casualty Insurance Underwriting Knowledge & Skills Development Services
A.A. Commercial & Industrial Insurance Underwriting Philosophy
SAQA Accreditation: To be applied
for on completion of the course
content
We have subdivided the underwriting philosophy into two sections, the first deals with tools
that the underwriters use to perform their function, and the second deals with aspects of
underwriting.
Our priority is to first equip the underwriter with the necessary tools needed to assist them
perform their duties.
Underwriting Tools
Here we cover the following topics:

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1. Accounting, Finance & Mathematics for Underwriting Risk
1.1 Mathematics for Underwriters
1.1.1 Mathematics
1.1.2 Mathematics of Finance
1.1.3 Statistics
1.2 Accounting for Underwriters
1.2.1 Legal Environment
1.2.1.1 Companies Act No. 71, 2008: Forms of Organizations
1.2.1.2 Taxation
1.2.2 Regulatory Environment
1.2.2.1 The South African Adoption of IFRS and IFRS for SMEs
1.2.2.2 IFRS Conceptual Framework: Exposure Draft
1.2.3 Accounting Income and Assets: The Accrual Concept
1.2.4 Financial Statement Analysis
1.2.4.1 Balance Sheet Analysis
1.2.4.2 Income Statement Analysis
1.2.4.3 The Statement of Cash Flow Analysis
1.2.4.4 Analysis of Financial Ratios and Earnings Per Share

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1.3 Finance for Underwriters
1.3.1 Concept of Risk & Return
1.3.2 Portfolio Theory
2. Economics for Underwriting Risk
2.1. Risk Classification
2.1.1. The South African Standard Industrial Classification of All Economic
Activities (SIC)
2.1.1.1. Production - Activity Side
Application / Functional Area(s):
2.1.1.1.1. Property including Business Interruption (BI) and
Contingency Business Interruption (CBI)
2.1.1.1.2. Energy including Business Interruption (BI) and
Contingency Business Interruption (CBI)
2.1.1.1.3. Engineering [Construction All Risk (CAR), Erection
All Risk (PAR), Plant All Risk (PAR), Contractors’
Plant & Equipment Insurance (CPE), Electronic
Equipment Insurance (EEI), Machinery Breakdown
(MB) including Machinery Breakdown Business

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Interruption (MBBI)]
2.1.1.1.4. Motor/Automobile Insurance
2.1.1.1.5. Premises & Operations Liability / Public Liability
2.1.1.1.6. Personal & Advertising Injury Liability
2.1.1.1.7. Workmen Compensation (COID) & Employers
Liability
2.1.1.1.8. Environmental Impairment Liability
2.1.1.1.9. Cyber Liability
2.1.1.1.10. Professional Liability
2.1.1.1.11. Management Liabilities (Directors & Officers
Liability, Employment Practice Liability and Fiduciary
Liability from Employee Benefit Plans)
2.1.2. Central Product Classification (CPC)
2.1.2.1. Production Input & Output – Product Side
2.1.2.1.1. Transportation
2.1.2.1.2. Product Liability
2.1.2.1.3. Environmental Impairment Liability
2.1.2.2. Production Output – Service Side

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2.1.2.2.1. Installation Floaters
2.1.2.2.2. Owners and Contractors’ Protective Liability
2.1.2.2.3. Completed Operations Liability / Defective
Workmanship
2.1.3. Harmonized Commodity Description and Coding System (HS):
2.1.3.1. Product Labeling – Product Side
2.1.3.1.1. Product Liability;
2.1.3.1.2. Transportation
2.2. Economic Growth Rates and the Underwriting Risk
2.2.1. Insurance: A Risk to the Economy?
2.2.2. The Economics of Insurance
2.2.3. The Insurance Industry’s Own Catastrophic Event
2.2.4. Is Insurance a Damper on the Economy?
2.2.5. Supply & Demand of (Re)Insurance Coverage
2.2.6. Frictional Costs
2.2.7. Capital Adequacy
2.2.8. Price Makers & Price Takers

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2.2.9. Antiselection
2.2.10. Portfolio Theory & Underwriting
2.2.11. The Underwriting Cycle Explained
2.3. Getting Together Insurance Buyers and Sellers
2.3.1. Missing Puzzle Piece: Accurate Information to Quantify Risk
2.3.2. The Benefit of Commission
2.3.3. The Agent or Producer is Market Maker
2.3.4. Going, Going…: Is the Process of Seeking an Insurance Quote and
Selecting a Winner an Auction?
2.3.5. The Impact of RDR on the Buyers and Sellers Market
2.4. The Underwriting Objectives
2.4.1. Risk Classification
2.4.2. Loss Exposure, Risk Assessment and Loss Control
2.4.3. Determining the Underwriting Margin
2.4.4. Risk Selection
2.4.5. Risk Information Required
2.4.6. What Underwriters Don’t Know: Information Asymmetry
2.4.7. Enter the Intermediaries
2.4.8. Boom… Bust… Strategies

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3. Pricing of Insurance Products (Underwriter’s Perspective)
3.1 The Underwriting Function
3.2 Pricing vs Rate Making
3.3 Rate Making Objectives & Process
3.4 Rate Making Methods
3.5 Components of the Gross Premium
3.6 The Importance of Integrating Data into the Underwriting Process
3.7 Pricing Practice
4. Enterprise Risk Management (Underwriter’s Perspective)
4.1. Understanding RIMS Risk Maturity Model
4.2. Portfolio Theory & Risk Management
4.3. Risk Appetite & Risk Tolerance Statements
4.4. Integrating ERM into the Underwriting Process
4.4.1. Insured’s Perspective
4.4.2. Underwriters’ Perspective
5. Managing the Underwriting Cycle (Underwriter’s Perspective)

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Aspects of Underwriting
Here we cover the following topics:
6. (Re)Insurance Markets
6.1 The Legal Environment Governing the (Re)Insurance Markets
6.2 Insurance Market
6.2.1 Standard Market
6.2.2 Excess & Surplus Market (Lloyds)
6.2.3 Alternative Risk Transfer Market
6.3 Reinsurance Market
6.3.1 Traditional Reinsurance Market
6.3.2 Non-Traditional Reinsurance Market
7. (Re)Insurance Purpose, Principles & Practice
7.1 Insurance Purpose, Principles & Practice
7.1.1 Purpose of Insurance
7.1.2 The 7 Principles of Insurance

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7.1.2.1 Principle of Uberrimae Fidei (Utmost Good Faith)
7.1.2.2 Principle of Insurable Interest
7.1.2.3 Principle of Indemnity
7.1.2.4 Principle of Contribution
7.1.2.5 Principle of Subrogation
7.1.2.6 Principle of Loss Minimization, and
7.1.2.7 Principle Causa Proxima (Nearest/Proximate Cause)
7.1.3 Practice of Insurance
7.2 Reinsurance Purpose & Program Structure, Principles & Practice and Product
Outline (Underwriter’s Perspective)
7.2.1 Reinsurance Purpose & Program Structures
7.2.1.1 Reinsurance Purpose
7.2.1.2 Reinsurance Program Structures (Inuring & Not Inuring
Program Structures)
7.2.1.3 Reinsurance Commission Structures
7.2.2 Reinsurance Principles
7.2.2.1 Principle of Indemnity
7.2.2.2 Incorrect & Incomplete Information
7.2.2.3 Errors & Omissions

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7.2.2.4 Follow the Fortunes
7.2.2.5 Several Liability Clause
7.2.3 Reinsurance Practice
7.2.3.1 Prior Facultative Reinsurances
7.2.3.2 Reinsurance Cessions & Retentions (Inuring & Not Inuring
Structures)
7.2.3.3 Protection of the Reinsured’s Retention Clause
7.2.3.4 The Effect of Protection of the Reinsured’s Retention Clause
on Reinsurance Cessions & Retentions
7.2.3.5 Special Termination Clause
7.2.3.6 Pricing of Reinsurance Contracts
7.2.3.7 Reinsurance Accounting
7.2.4 Reinsurance Product Outline
8. General Underwriting Principles, Processes & Practice and Managing the
Underwriting Activities
8.1 Underwriting Principles
8.1.1 Ownership & Management
8.1.2 Financial Position of the Insured: Financial Statement Analysis

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8.1.3 Loss Experience
8.2 Underwriting Process
8.2.1 Risk Classification Process
8.2.2 Property Line: COPE Underwriting Process
8.2.3 Liability Line: LASE/CASE Underwriting Process
8.3 Underwriting Practice
8.3.1 Insurance-To-Value Challenges
8.3.2 Definition(s) of Maximum Foreseeable Loss (MFL)/ Maximum
Possible Loss (MPL)/ Probable Maximum Loss (PML) or Maximum
Probable Loss (MPL)/ Estimated Maximum Loss (EML)
8.3.3 Risk Engineering Technics & Reports
8.3.3.1 Ownership & Management
8.3.3.1.1 Ownership Assessment
8.3.3.1.2 Management Assessment
8.3.3.1.2.1 Assessment of the Enterprise’s
Risk Management Philosophy
Investments & Divestitures Project
Plans

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8.3.3.1.2.3 Assessment of the Enterprise
Vulnerability & Resilience of their
Dependency on Customers &
Suppliers
Business Recovery Plan
8.3.3.2 Enterprise Location: Vulnerability & Resilience Assessment
8.3.3.2.1 Megacities (e.g. Johannesburg)
8.3.3.2.2 Metropolis (e.g. Tshwane/ Ekurhuleni/
EThekwini/ Pietermaritzburg/ Bloemfontein/
Cape Town, etc.)
8.3.3.2.3 Urban Cities (e.g. Emalahleni/ Polokwane/
Mafikeng/ Potchefstroom/ Klerksdorp/ Kimberly/
Welkom/ Kroonstad/ Nelson Mandela Bay/
Buffalo City, etc.)
8.3.3.2.4 Rural Towns (e.g. Stellenbosch/ Knysna/
George/ Umtata/ Richards Bay/ Jozini, etc.)
8.3.3.2.5 Rural Farm Land
8.3.3.3 Construction

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8.3.3.4 Occupation/Activities
8.3.3.5 Internal Layout
8.3.3.6 Protection/Security
8.3.3.7 Exposure (External layout/ Housekeeping/ Natural Perils/
Adjacent (Neighbours’) Activities)
8.3.3.8 Determining and calculating the “Maximum Foreseeable
Loss (MFL) or Maximum Possible Loss (MPL) or Probable
Maximum Loss (PML)/ Maximum Probable Loss (MPL) or
Estimated Maximum Loss (EML)” whichever is applicable
8.3.4 Pro-rata and Excess Rating/ Pricing Plans
8.3.5 Deductibles/ Excesses/ Franchises
8.3.6 Coinsurance
8.3.7 Reinsurance
8.3.8 Fronting
8.3.9 Counter Party Risk
8.3.10 Certificate of Insurance
8.4 Managing the Underwriting Activities

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A.B.1. Commercial & Industrial Insurance Underwriting Principles & Practice – Property Legal Aspects

content
Topics under development
A.B.2. Commercial & Industrial Insurance Underwriting Principles & Practice – Property Loss Exposure, Risk Assessment and Loss
Control
content
A.B.3. Commercial & Industrial Insurance Underwriting Principles & Practice – Property Pricing

content

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A.B.4. Commercial & Industrial Insurance Underwriting Principles & Practice – Property Product Outline

content
A.C.1. Commercial & Industrial Insurance Underwriting Principles & Practice – Liability Legal Aspects

content
A.C.2. Commercial & Industrial Insurance Underwriting Principles & Practice – Liability Loss Exposure, Risk Assessment and Loss
Control
content

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A.C.3. Commercial & Industrial Insurance Underwriting Principles & Practice – Liability Pricing

content
A.C.4. Commercial & Industrial Insurance Underwriting Principles & Practice – Liability Product Outline

content
B. Consultancy Services

B.1. Underwriting Framework
Solutions
Help develop, establish and embed the Underwriting Framework
Our Analogy

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We use the logical sequence used in designing and building a contemporary house, with
interconnected special rooms. This logical sequence starts with the quality of the ground on
which the house is to be built, then follows the foundation – which should always be signed
off by a structural engineer, then follows the sidewalls and then the roof as the last structure
to be build. The material used and its quality is of paramount importance in determining the
resilience of the structure going forward. The question then becomes whether the structure
will withstand the test of time even when subjected to harsh conditions. The strength of the
structure and the quality of the interim maintenance is what will sustain and guarantee its
existence in the future.
Our Approach
The underwriting framework development process to us is synonymous to the process
mentioned above and its strength depends on the quality of the components that makes up
the underwriting framework, that is:
• Underwriting Philosophy;
• Underwriting Risk Appetite & Risk Tolerance Statements;
• Underwriting Knowledge & Skills Development Program;
• Underwriting Governance;

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• Product Design & Development;
• Underwriting Rules & Guidelines;
• Underwriting Processes & Procedures; and
• Underwriting Operational Risk Management.
The underwriting framework components discussed below relates to and feeds on each
other, that is why we encourage strict adherence to the logical sequence if one is to achieve
the goal of developing a strong sustainable underwriting framework, that is, first review and
strengthen the component that forms the ground, if any, otherwise build it from scratch and
thereafter follow the sequence as suggested, reviewing and strengthening or building from
scratch.
Components of the Underwriting Framework
1. Fundamentals A: Underwriting Philosophy – The Ground (on which the house is
build)
A critical document serving as the most important foundation for underwriting activity,
the strength of which determines the strength of the other components. This must reflect
the company’s strategy. It includes the underwriting strategy, i.e., the company’s annual

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tactical risk acceptance positioning in the market depending on the supply and demand
conditions of the market.
2. Fundamentals B: Underwriting Risk Appetite & Risk Tolerance Statements – The
Foundation
Built from a combination of two documents; the company’s “Risk Appetite & Risk
Tolerance Statement” that has been determined by the Actuaries and the “Underwriting
Philosophy”.
3. Fundamentals C: Underwriting Knowledge & Skills Development Program – The
Floor
It is important to have a well-defined and transparent career path for underwriters
exhibiting different levels of development to which underwriting authority is assigned.
Underwriters will aspire to reach the highest level defined and will be more than willing to
attend relevant internal and external training courses to advance their knowledge base
and improve on their existing skills.
4. Fundamentals D: Underwriting Governance - Side Wall 1 (opposite side wall 2 /
adjacent to side wall 3 and 4)

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Governance is built from Fundamentals A, B, and C, this includes but it is not limited to
determining underwriting authority mandates, measuring underwriting knowledge and
skills levels of underwriters and assigning underwriting authority mandates individual
underwriters. In addition the underwriting escalation rules are defined in the governance
document.
5. Research & Development: Product Design & Development - Side Wall 2 (opposite
side wall 1 / adjacent to side wall 3 and 4)
Designing a framework for product development. The first phase starts with the
development of market intelligence gathering process and ends with the development of
the product contract wording. The second phase is the development of the product
outline training material and the training thereof. This dependents on and feeds on
Fundamentals A & B.
6. Operation A: Underwriting Rules & Guidelines - Side Wall 3 (opposite side wall 4/
adjacent to side wall 1 and 2)
Underwriting Rules & Guidelines are based on the outcome of “Product Design &
Development” and feeds on “Fundamentals A, B & D”. These are intended to guide the
underwriter in assessing and accepting the risks presented to the company, that is,

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guide the underwriter in technical issues involving risk assessment, risk pricing and risk
acceptance confining their decisions within the authorized acceptance limits as per their
individual “Underwriting Mandate”.
7. Operations B: Underwriting Processes & Procedures - Side Wall 4 (opposite side
wall 3 / adjacent to side wall 1 and 2)
Underwriting Processes & Procedure can only be built based on the output of the
following documents; Fundamentals A, B & D and the Underwriting Rules & Guidelines.
This is where everything is being operationalized.
8. Operations C: Underwriting Operational Risk Management – Roof
This is where the operational controls are designed and their effectiveness is measured
and monitored. It keeps all other components under continuous check, to test their
strength and to recommend improvements if so needed. Any weakness in the entire
system is dealt with by employing risk management techniques.
B.2. Information Systems Solutions
(Development of Underwriting &
Pricing Platforms)
Future Endeavour – 3 year Horizon

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C. Advisory Services
C.1. Risk Engineering Services “Risk Understanding & Simplicity of Presentation”
Risk Engineering Technics & Reports
The risk engineering report will cover the following areas of assessment:
1. Ownership & Management
1.1.Ownership Assessment
1.2.Management Assessment
1.2.1. Assessment of the Enterprise’s Risk Management Philosophy
1.2.2. Assessment of the Enterprise’s Investments & Divestitures Project Plans
1.2.3. Assessment of the Enterprise Vulnerability & Resilience of their Dependency
on Customers & Suppliers
1.2.4. Assessment of the Enterprise’s Business Recovery Plan
2. Enterprise Location: Vulnerability & Resilience Assessment
2.1.Megacities (e.g. Johannesburg)

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2.2.Metropolis (e.g. Tshwane/ Ekurhuleni/ EThekwini/ Pietermaritzburg/ Bloemfontein/
Cape Town, etc.)
2.3.Urban Cities (e.g. Emalahleni/ Polokwane/ Mafikeng/ Potchefstroom/ Klerksdorp/
Kimberly/ Welkom/ Kroonstad/ Nelson Mandela Bay/ Buffalo City, etc.)
2.4.Rural Towns (e.g. Stellenbosch/ Knysna/ George/ Umtata/ Richards Bay/ Jozini,
etc.)
2.5.Rural Farm Land
3. Construction
4. Occupation/Activities
5. Internal Layout
6. Protection/Security
7. Exposure (External layout/ Housekeeping/ Natural Perils/ Adjacent (Neighbours’)
Activities)
8. Insurance-To-Value Challenges
9. Determining and calculating the “Maximum Foreseeable Loss (MFL)/ Maximum Possible
Loss (MPL)/ Probable Maximum Loss (PML) or Maximum Probable Loss (MPL)/
Estimated Maximum Loss (EML)” whichever is applicable

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C.2. Loss Adjusting & Claims
Investigation Services
Future Endeavour – 1 year Horizon
How We Do It

A. Property & Casualty Insurance Underwriting Knowledge & Skills Development Services

Explore & Create (Global) 1. We use the innovation principles and process to explore the global developments
pertaining to underwriting knowledge. We continuously seek best practices to enhance our
product content.
2. We are forever in the moment, that is, we listen to what all our stakeholders are saying
about global underwriting developments to adapt our offering accordingly so as to satisfy
their needs.
3. We focus on the task at hand until its completion in our quest to satisfy our stakeholders’
needs.
4. We use technology to gather information that we can turn into underwriting intelligence.

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Co-create (Company Specific) We co-create the knowledge and skills development program with our stakeholders to
reflect and satisfy their individual needs as per the company’s underwriting strategic
direction. We help position underwriting knowledge acquisition at the center of the
companies’ underwriting strategy to enable an efficient execution of the said underwriting
strategy.
Online Interactions with the Learning
Material (Global)
Online interaction with the learning material is intended to enable individual underwriters to
learn at their own pace, and write the examination as at when they are ready but within the
stipulated and expected timeframe.
Online Classroom Interactions –
Webinars (Company Specific &
Global)
Online Classroom Interactions are geared to:
1. Engage participants through company specific webinars, these will enable us to reach
participants situated in multi-locations at the same time, affording them the opportunity
to learn and contribute whilst being at their respective locations. We will be able to cut
costs substantially by using this medium or platform.
2. Engage participants from different companies and/or different markets/jurisdictions
through global webinars; facilitating participation of a broader audience. This type of
interaction will benefit underwriters by gathering a broader understanding of different
markets in Sub-Saharan Africa, their intricacies and dynamics.

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Face-to-Face Classroom Interaction
(Company Specific)
Face-to-face classroom interaction entails:
1. Subject matter discussions, where the facilitator acts as a subject matter expect;
2. The facilitator directing and managing the case study discussions. These are based on
practical examples some of which can be drawn from a specific company’s live cases.
Some case studies will probably highlight some strength and/or deficiencies that may
exist in the underwriting practice and process of a specific company;
3. Video and voice recordings of the classroom interaction that can be accessed as
podcasts by participants at any point in time if they so wish;
4. The video and/or voice recordings will also serve as a point of reference for self-
evaluation of the effectiveness of the interaction. The self evaluation will touch on:
4.1. The facilitators knowledge depth;
4.2. The effectiveness of the facilitator in imparting knowledge and his/her impact on
improving the underwriter’s skill;
4.3. How practical and relevant is the course content;
4.4. Quality of the discussions;
5. Survey visits - accompanying the Company’s Risk Engineers to one or two complex
risks visits.
6. Half-day shadowing of Senior Underwriters within own company.

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Social Media Interactions (Company
Specific)
Company specific social media interactions will be used primarily for:
1. Troubleshooting: Here underwriters will seek help and solutions to their challenges from
their fellow underwriters within their specific company. Why social media? It will facilitate
documentation of all solutions that can be accessed by any underwriter who might be
faced with similar challenges. Instant access to those solutions will enhance the service
that underwriters render and also improve on their practical underwriting knowledge.
2. Experience Sharing: This is sharing of underwriting experience, for example, survey
visits; risks challenges and triumphs, etc. It is always after the fact activity for which their
fellow underwriters can give credit and/or advice.
3. Consolidation of Information: Social media information can be collected, consolidated
and placed in a common depository that will be accessible by all underwriters employed
by the company at any point in time.
Lunch & Learn Interactions
(Company Specific)
The lunch & learn interactions involves:
1. Presentation of a recently written or renewed risk to fellow underwriters. The
presentation will detail the underwriting thought process; the underwriting practice; and
the underwriting process followed;
2. Robust discussions based on the case presented. The underwriting thought process and
the underwriting practice would be challenged or questioned by colleagues who in turn

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will offer alternative approaches.
The intent here is to apply the knowledge learned and to test the extent to which the
knowledge learned impacted on the underwriter’s skills. The concept consolidates all the
knowledge learned and tests its practicality and applicability.
These will last for an hour max, the first thirty minutes will be for the presentation and the
second half-hour will be for the discussions.
Podcasts (Company Specific &
Global)
Company specific podcast will be video or voice publications of face-to-face interactions
and lunch-and-learn interactions not forgetting company specific webinars.
The global podcast will be voice publications emanating from global webinars.
The intent is to solidify the knowledge and experience gained from these interactions.
Online Learning Communities
(Global)
The creation of online underwriting communities is intended to share knowledge and
experience amongst underwriters operating in Sub-Saharan Africa. These communities will
be extended to include global experts in underwriting and risk management.
B. Consultancy Services

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B.1. Underwriting Framework
Solutions
In cooperation with our stakeholders we develop the underwriting framework following the
template that we developed detailing the underwriting framework components as mentioned
above and strictly following the developed process mentioned in our analogy.
Our motto captures who we are and what we believe in, “collaboration”.
C. Advisory Services
C.1. Risk Engineering Service As mentioned we align the risk management solutions to building requirements and codes
in our effort to mitigate inherent risks in any business activity.
We have detailed how we do it under the heading “What We Do”.
Why Choose Us
It is simple:
1. Choose us because a promise we make is a promise we keep;
2. Choose us because the product we offer combines underwriting skills with risk management skills and risk engineering skills. A
product second to none.

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3. Choose us because we advocate the use of portfolio theory in risk selection. Never been advocated before in our market, and
the benefits are enormous, high probability that challenges associated with rating plan deviations will be dealt with and
underwriting tactical market positioning will be well informed.
4. Choose us because we offer underwriters an opportunity to interact with the broader underwriting community through global
webinars interactions and underwriting community interactions. This will broaden the local underwriter’s understanding of the
intricacies of the Sub-Saharan market.
5. Choose us because we align underwriting knowledge acquisition and skills development with the company’s underwriting
strategy through our contribution to the underwriting framework by way of assistance with the development of a clear
underwriting development path.

CKI Consulting Company Profile Annexure A-What We Do V1.1-03.2016.17

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