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In the form of future-focused advisory services and more extensive subject matter expertise across segments and geographies * Through the combination of complementary technologies, data and leading decision science capabilities * By accelerating innovation that improves access to new sources of capital and introduces new structures that improve client choice Traditional insurance brokers and benefit providers have viewed client relationships through product silos with an emphasis on risk placement. While our combination was not architected with the COVID-19 pandemic in mind, the events of 2020 illustrate the exact type of transformative challenges posed by long-tail risks our new organization will be optimally positioned to address. On day one, the combination of Aon and Willis Towers Watson will enable us to combine data, analytics and technology to create new, more powerful predictive models – that look forward, and not only look back – and develop solutions at a pace not previously possible. For example, we see four initial categories of client need where the combination will have tangible, significant, immediate and long-term impact: These categories not only address the challenges posed by the increased likelihood of longer-tail risks, but also focus on accessing the opportunities available in this complex environment.