American Depository Receipts

QBE Insurance Group Limited maintains a sponsored Level 1 American Depositary Receipt (ADR) program with Deutsche Bank Trust Company Americas (Deutsche Bank).

QBE Insurance Group Limited’s ADR program is sponsored by Deutsche Bank. As the depositary bank, Deutsche Bank performs the following roles:

• Issues and cancels QBE Insurance Group Limited ADRs
• Records and maintains the register of ADR holders
• Is the stock transfer agent
• Distributes dividends in US dollars (if applicable)
• Facilitates the proxy voting process and exercises the voting rights on behalf of ADR holders (if applicable)
• Distributes company circulars and Annual General Meeting documentation (if applicable)

For those holders which are not registered because their shares are held through a ‘street name’ (or nominee account), your nominee will receive company documents from time to time from Deutsche Bank to distribute to you. You need to make arrangements with your nominee if you wish to receive such documents and to be able to exercise your vote through the depositary bank at general meetings (if applicable).