<SEC-DOCUMENT>0001214659-24-007109.txt : 20240418
<SEC-HEADER>0001214659-24-007109.hdr.sgml : 20240418
<ACCEPTANCE-DATETIME>20240418172453
ACCESSION NUMBER:		0001214659-24-007109
CONFORMED SUBMISSION TYPE:	PX14A6G
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20240418
DATE AS OF CHANGE:		20240418
EFFECTIVENESS DATE:		20240418

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Chubb Ltd
		CENTRAL INDEX KEY:			0000896159
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			V8
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		PX14A6G
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-11778
		FILM NUMBER:		24855104

	BUSINESS ADDRESS:	
		STREET 1:		BARENGASSE 32
		CITY:			ZURICH
		STATE:			V8
		ZIP:			CH-8001
		BUSINESS PHONE:		41 0 43 456 7600

	MAIL ADDRESS:	
		STREET 1:		BARENGASSE 32
		CITY:			ZURICH
		STATE:			V8
		ZIP:			CH-8001

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CHUBB Ltd
		DATE OF NAME CHANGE:	20160115

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ACE Ltd
		DATE OF NAME CHANGE:	20091216

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ACE LTD
		DATE OF NAME CHANGE:	19930122

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AS YOU SOW
		CENTRAL INDEX KEY:			0001086462
		ORGANIZATION NAME:           	
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			CA

	FILING VALUES:
		FORM TYPE:		PX14A6G

	BUSINESS ADDRESS:	
		STREET 1:		2150 KITTREDGE ST.
		STREET 2:		SUITE 450
		CITY:			BERKELEY
		STATE:			CA
		ZIP:			94704
		BUSINESS PHONE:		510-735-8155

	MAIL ADDRESS:	
		STREET 1:		2150 KITTREDGE ST.
		STREET 2:		SUITE 450
		CITY:			BERKELEY
		STATE:			CA
		ZIP:			94704
</SEC-HEADER>
<DOCUMENT>
<TYPE>PX14A6G
<SEQUENCE>1
<FILENAME>o4182411px14a6g.htm
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="asyousow_greencenturylogo.jpg" ALT="">&nbsp;</P>


<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">Notice of Exempt Solicitation Pursuant to Rule 14a-103</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">Name of the Registrant: Chubb Limited (CB)<BR>
Name of persons relying on exemption:&nbsp;As You Sow&reg; and Green Century Capital Management Inc<BR>
Address of persons relying on exemption: Main Post Office, P.O. Box 751, Berkeley, CA 94704</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">Written materials are submitted pursuant to Rule 14a-6(g)(1) promulgated
under the Securities Exchange Act of 1934.&nbsp;Submission is not required of this filer under the terms of the Rule, but is made voluntarily
in the interest of public disclosure and consideration of these important issues.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 9pt; background-color: #B8CCE4">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Chubb Limited (CB)<BR>
Vote Yes: Item #15 &ndash; Scope 3 Emissions Disclosure</P>

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Annual Meeting: May 16, 2024 </B></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CONTACT: Danielle Fugere | dfugere@asyousow.org</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 13pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 9pt; background-color: #B8CCE4">SUMMARY</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">The Intergovernmental Panel on Climate Change has concluded that immediate
and significant emissions reductions are required of all market sectors to stave off the worst consequences of climate change.<SUP>1</SUP>
Underscoring this goal, 2023 was the hottest year on record, and global weather-related catastrophes have followed. As noted by the World
Property and Casualty Insurance Report 2022, economic losses from climate change have seen an increase of 250% over the last three decades
and these losses are strongly driven by natural catastrophes and strengthened by climate change.<SUP>2</SUP> The same report notes that
only 8% of property and casualty (P&amp;C) re/insurers are adequately prepared for its impacts by having climate resilience embedded into
their business model.<SUP>3</SUP></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">The insurance industry faces climate-related liabilities on two fronts:
investment risk on the asset side of the balance sheet, and underwriting risk, particularly in property and casualty lines, on the liability
side.<SUP>4</SUP> As global temperatures have increased, annual insured losses from natural catastrophes routinely approach $100 billion
in the U.S., compared to $4.6 billion in 2000.<SUP>5</SUP> Swiss Re reports that 2023 saw insured natural catastrophe losses reach $108
billion in the U.S., continuing the trend of 5% to 7% annual growth in insured losses since 1994, with losses set to double within the
next ten years.<SUP>6</SUP></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>1</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.ipcc.ch/report/ar6/syr/downloads/report/IPCC_AR6_SYR_FullVolume.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.20</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>2</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.sogeti.com/globalassets/reports/wirpandc_2022final.pdf?__FormGuid=cb7ec9d7-5c97-4ae4-bc45-06da925a1235&amp;__FormLanguage=en&amp;__FormSubmissionId=fd673bba-1ce2-4614-b45f-a47317823729</FONT>
<FONT STYLE="font-size: 9pt">p.3</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>3</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.sogeti.com/globalassets/reports/wirpandc_2022final.pdf?__FormGuid=cb7ec9d7-5c97-4ae4-bc45-06da925a1235&amp;__FormLanguage=en&amp;__FormSubmissionId=fd673bba-1ce2-4614-b45f-a47317823729</FONT>
<FONT STYLE="font-size: 9pt">p.5</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>4</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.spglobal.com/esg/insights/climate-risks-for-insurers-why-the-industry-needs-to-act-now-to-address-climate-risk-on-both-sides-of-the-balance-sheet</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>5</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.iii.org/table-archive/20922</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>6</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.swissre.com/press-release/New-record-of-142-natural-catastrophes-accumulates-to-USD-108-billion-insured-losses-in-2023-finds-Swiss-Re-Institute/a2512914-6d3a-492e-a190-aac37feca15b</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="white-space: nowrap; width: 9%"><IMG SRC="asyousowlogo.jpg" ALT=""><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="white-space: nowrap; width: 82%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 9pt; color: rgb(0,129,61)"><B>2024
Proxy Memo</B></FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; color: #00813D"><B></B></FONT><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb Limited | Scope 3 Emissions Disclosure</FONT></P>
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    <TD STYLE="width: 9%"><IMG SRC="greencenturylogo.jpg" ALT="">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">Despite growing risk, U.S. insurers, including Chubb, remain highly
exposed to high carbon industries like oil, gas, coal, and utilities. In 2019, the U.S. insurance industry invested $582 billion in fossil
fuel related activities, an increase from $519 billion in 2018.<SUP>7</SUP> Emissions facilitated by insurance companies that underwrite
and invest in high-carbon companies add to global climate impacts.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">This Proposal asks Chubb to disclose the greenhouse gas (GHG) emissions
from its underwriting, insuring, and investment activities. Measuring its insured and financed emissions is a first step toward reducing
its growing climate risk and the Company&rsquo;s contribution to climate change.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">The Partnership for Carbon Accounting Financials has released guidance
on measuring invested and insured emissions.<SUP>8</SUP> The Science Based Target initiative also released a document addressing the methodologies
for calculating insured emissions and setting reduction targets.<SUP>9</SUP> Increasing numbers of Chubb&rsquo;s peers are beginning the
iterative process of calculating emissions from investment portfolios and insurance premium activities.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">Pressure is mounting for the insurance sector to use its considerable
leverage to measure and disclose greenhouse gas emissions associated with insurance, underwriting, and investments, as a first step to
adopting net zero greenhouse gas emissions goals and aligned transition plans. Chubb is a leading insurer and investor in fossil fuels,
and thus has responsibility for a significant amount of Scope 3 financed and insured emissions. Yet, it has not begun disclosing emissions
associated with these activities. Meanwhile, many of Chubb&rsquo;s peers are beginning the process of calculating emissions from insurance
and investment activities and are adopting net zero goals.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">Without measuring and disclosing its insured and invested emissions,
neither Chubb nor its investors have insight into the full range of the Company&rsquo;s greenhouse gas emissions, its associated climate
risk and contributions, nor its progress on decarbonization, especially in relation to other insurers. The Company&rsquo;s failure to
measure and disclose emissions from its insuring and underwriting activities indicates to investors that Chubb may not be fully acknowledging
the risks associated with climate change and its own contribution to that risk.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">We urge a &ldquo;Yes&rdquo; vote on this Proposal.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: bold 13pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 9pt; background-color: #B8CCE4"><FONT STYLE="font-size: 12pt">THE
</FONT>RESOLUTION</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><B>BE IT RESOLVED:</B> Shareholders request that Chubb issue a report,
at reasonable cost and omitting proprietary information, disclosing the GHG emissions from its underwriting, insuring, and investment
activities.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><B>SUPPORTING STATEMENT:</B> As necessary and at management discretion,
Chubb can initially base reporting on reasonable emissions estimates and provide a timeline for disclosures.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"><B></B></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"><B>_____________________________</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>7</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.spglobal.com/esg/insights/climate-risks-for-insurers-why-the-industry-needs-to-act-now-to-address-climate-risk-on-both-sides-of-the-balance-sheet</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>8</SUP></FONT> <FONT STYLE="font-size: 9pt">https://carbonaccountingfinancials.com/</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>9</SUP></FONT> <FONT STYLE="font-size: 9pt">https://sciencebasedtargets.org/resources/files/SBTi-Insurance-Industry-Brief-Publication.pdf</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="white-space: nowrap; width: 9%"><IMG SRC="asyousowlogo.jpg" ALT=""><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="white-space: nowrap; width: 82%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 9pt; color: rgb(0,129,61)"><B>2024
Proxy Memo</B></FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; color: #00813D"><B></B></FONT><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb Limited | Scope 3 Emissions Disclosure</FONT></P>
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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 13pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 9pt; background-color: #B8CCE4">RATIONALE FOR A YES
VOTE</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in"><B></B></P>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>1.</B></TD><TD><B>Chubb faces growing climate-related financial and regulatory risk associated with its underwriting, insurance, and investment activities.
</B></TD></TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>2.</B></TD><TD><B>Chubb does not provide shareholders with sufficient analysis and disclosure of the emissions related to its insurance and underwriting
activities. </B></TD></TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><B>&nbsp;</B></P>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>3.</B></TD><TD><B>Chubb is falling behind peers in addressing the climate impact of its insuring and underwriting activities and has not adequately
responded to shareholders&rsquo; climate-related expectations.</B></TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in"><B></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 13pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 9pt; background-color: #B8CCE4">DISCUSSION</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<TD STYLE="width: 31.5pt"></TD><TD STYLE="width: 18pt"><B>1.</B></TD><TD><B>Chubb faces growing climate-related financial and regulatory risk associated with its underwriting, insurance, and investment activities.
</B></TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">According to The World Property and Casualty Insurance Report 2022,
only 8% of property and casualty (P&amp;C) re/insurers are adequately prepared for climate impacts by having climate resilience embedded
into their business models.<SUP>10</SUP> Chubb similarly acknowledges that:</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><FONT STYLE="background-color: white">&ldquo;[C]limate change
and resulting changes in global temperatures, weather patterns, and sea levels may both increase the frequency and severity of natural
catastrophes and the resulting losses in the future and impact our risk modeling assumptions&rdquo;<SUP>11</SUP>&nbsp;and &ldquo;The increasing
impact of climate change could affect our cost of claims, loss ratios, and financial results.&rdquo;<SUP>12</SUP></FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Yet, despite the growing material financial
impacts of climate-related catastrophes, Chubb helps fuel climate change through its insurance and underwriting activities in the fossil
fuel sectors. Ceres reports that in 2019 Chubb invested $57 billion in fossil fuel-related assets, ranking Chubb as the sixth largest
investor in fossil fuels out of the top 1<FONT STYLE="font-size: 9pt">6 </FONT><FONT STYLE="font-size: 11pt">property and casualty insurers.<SUP>13
</SUP>Chubb was also named amongst the world&rsquo;s biggest providers of fossil fuel insurance by Insure Our Future in 2023.<SUP>14</SUP></FONT></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">Underscoring growing climate risk to the insurance industry, some insurers
have begun pulling out of risky regions. As large swathes of the U.S. become uninsurable, Chubb faces growing risk from regulations designed
to address the climate-related insurance crisis.<SUP>15</SUP> Chubb acknowledges that climate-related laws, regulations, and legal actions
are beginning to affect insurers:</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><FONT STYLE="background-color: white">&ldquo;A variety of
governments and regulators have adopted or are in the process of adopting climate change and greenhouse gas emissions disclosure requirements
for which Chubb and certain of its individual subsidiaries are or will be subject to in the future&hellip; New reporting standards, regulations
and requirements with various aims and goals could expose us to legal, regulatory, investor and other stakeholder scrutiny, and customers
that disagree with our actions or reporting on climate change may determine not to do business with us, all of which may adversely affect
our business, reputation and results of operations.&rdquo;<SUP>16</SUP></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><FONT STYLE="background-color: white">&nbsp;</FONT></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>10</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.sogeti.com/globalassets/reports/wirpandc_2022final.pdf?__FormGuid=cb7ec9d7-5c97-4ae4-bc45-06da925a1235&amp;__FormLanguage=en&amp;__FormSubmissionId=fd673bba-1ce2-4614-b45f-a47317823729</FONT>
<FONT STYLE="font-size: 9pt">p.5</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>11</SUP></FONT> <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/896159/000089615924000003/cb-20231231.htm"><FONT STYLE="font-size: 9pt">https://www.sec.gov/ix?doc=/Archives/edgar/data/896159/000089615924000003/cb-20231231.htm</FONT></A>
<FONT STYLE="font-size: 9pt">p.22</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>12</SUP></FONT> <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/896159/000089615924000003/cb-20231231.htm"><FONT STYLE="font-size: 9pt">https://www.sec.gov/ix?doc=/Archives/edgar/data/896159/000089615924000003/cb-20231231.htm</FONT></A>
<FONT STYLE="font-size: 9pt">p.26</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>13</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.ceres.org/sites/default/files/reports/2023-08/Changing%20Climate%20for%20the%20Insurance%20Sector_%20Research%20and%20Insights.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.21</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>14</SUP></FONT> <FONT STYLE="font-size: 9pt">https://global.insure-our-future.com/wp-content/uploads/sites/2/2023/11/IOF-2023-Scorecard.pdf
p.12</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>15</SUP></FONT> <FONT STYLE="font-size: 9pt">https://report.firststreet.org/9th-National-Risk-Assessment-The-Insurance-Issue.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.4 </FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>16</SUP></FONT> <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/896159/000089615924000003/cb-20231231.htm"><FONT STYLE="font-size: 9pt">https://www.sec.gov/ix?doc=/Archives/edgar/data/896159/000089615924000003/cb-20231231.htm</FONT></A>
<FONT STYLE="font-size: 9pt">p.27</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
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    <TD STYLE="white-space: nowrap; width: 9%"><IMG SRC="asyousowlogo.jpg" ALT=""><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="white-space: nowrap; width: 82%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 9pt; color: rgb(0,129,61)"><B>2024
Proxy Memo</B></FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; color: #00813D"><B></B></FONT><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb Limited | Scope 3 Emissions Disclosure</FONT></P>
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    <TD STYLE="width: 9%"><IMG SRC="greencenturylogo.jpg" ALT="">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">Currently, the federal government is increasing scrutiny of climate
impacts across a range of issues that could impact insurance providers. For instance, in June 2023, the U.S. Senate Budget Committee launched
an investigation into major insurers&rsquo; support of new fossil fuel projects, including Chubb&rsquo;s. The Committee sought <FONT STYLE="color: #0A0A0A; background-color: white">information
related to how insurance companies assess climate risks when making underwriting and investment decisions.<SUP>17</SUP> In California,
where Chubb reduced its coverage significantly in in 2021,<SUP>18</SUP> new regulations are emerging in response to insurers pulling back
coverage due to escalating climate disasters.<SUP>19</SUP></FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><FONT STYLE="color: #0A0A0A; background-color: white">In
addition, in January 2024, a</FONT> federal decision was made to halt approvals of all new and expanding LNG export terminals until the
U.S. Department of Energy updates its analysis of project impacts on climate and local communities.<SUP>20</SUP> Chubb was found to be
insuring the new and expanding liquefied natural gas plants in the U.S. despite their predicted methane emissions and significant environmental
justice concerns.<SUP>21</SUP> Chubb and its subsidiaries were found to be delivering insurance to Freeport LNG and Rio Grande LNG in
Texas, Cameron LNG in Louisiana, Tacoma LNG in Washington.<SUP>22</SUP> Tacoma LNG has been paused due to the January 2024 Biden administration
decision to halt approvals of all new and expanding LNG export terminals until the U.S. Department of Energy updates its analysis of the
projects&rsquo; impacts on climate and local communities.<SUP>23</SUP></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">McKinsey &amp; Company advises insurers to consider the environmental
impact of their investments, just as banks and asset managers are doing, and develop a plan to shift significant portions of their portfolios
to help facilitate a decarbonized economy.<SUP>24</SUP> In addition to long-term climate risk reduction benefits, such a shift can help
insurers align with increasingly likely regulatory policies and incentives.<SUP>25</SUP></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; color: #0A0A0A"><FONT STYLE="background-color: white">Until Chubb measures
and discloses its full range of Scope 3 emissions, it fails to assure investors that it is adequately addressing its climate risk and
taking action to reduce its contribution to climate change. Once Chubb has assessed the source of its emissions, it can begin taking action
to reduce associated climate risk and align its emissions with the global 1.5<SUP>o</SUP>C Paris goal. Such disclosures will also assure
investors that the Company is addressing climate risk.</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; color: #0A0A0A"><FONT STYLE="background-color: white">&nbsp;</FONT></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>17</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.reinsurancene.ws/senate-budget-committee-launches-investigation-into-insurance-companies-climate-risk-evaluation-fossil-fuel-support/</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>18</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/chubb-pulling-back-sharply-in-california-ceo-blames-price-inadequacy-67294343</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>19</SUP></FONT> <FONT STYLE="font-size: 9pt">https://sfstandard.com/2023/09/21/california-insurance-crisis-newsom-orders-prompt-regulatory-action-after-insurers-retreat/</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>20</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.ran.org/wp-content/uploads/2024/02/RAN_LNG_2024_vF.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.9</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>21</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.ran.org/wp-content/uploads/2024/02/RAN_LNG_2024_vF.pdf</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>22</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.ran.org/wp-content/uploads/2024/02/RAN_LNG_2024_vF.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.4-9</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>23</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.ran.org/wp-content/uploads/2024/02/RAN_LNG_2024_vF.pdf
p.9</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>24</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.mckinsey.com/industries/financial-services/our-insights/climate-change-and-p-and-c-insurance-the-threat-and-opportunity</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>25</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.mckinsey.com/industries/financial-services/our-insights/climate-change-and-p-and-c-insurance-the-threat-and-opportunity</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="white-space: nowrap; width: 9%"><IMG SRC="asyousowlogo.jpg" ALT=""><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="white-space: nowrap; width: 82%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 9pt; color: rgb(0,129,61)"><B>2024
Proxy Memo</B></FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; color: #00813D"><B></B></FONT><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb Limited | Scope 3 Emissions Disclosure</FONT></P>
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    <TD STYLE="width: 9%"><IMG SRC="greencenturylogo.jpg" ALT="">&nbsp;</TD></TR>
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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<TD STYLE="width: 31.5pt"></TD><TD STYLE="width: 18pt"><B>2.</B></TD><TD><B>Chubb does not provide shareholders with sufficient analysis and disclosure of the emissions related to its insurance and underwriting
activities. </B></TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">Currently, Chubb does not measure or disclose the vast majority of
its greenhouse gas emissions. It discloses only Scope 1 and 2 emissions from its offices and electricity use, while ignoring what is likely
99% of its emissions associated with its insuring, underwriting, and investment activities. According to a McKinsey analysis, for a typical
P&amp;C insurer, the insurance underwriting portfolio accounts for roughly 50% of total enabled emissions, and the investment portfolio
accounts for the other half of total emissions.<SUP>26</SUP> Chubb <FONT STYLE="color: #222222; background-color: white">fails wholesale
to measure and disclose emissions associated with either its insurance or investment portfolios. </FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">Measuring insured and invested emissions is possible. The Partnership
for Carbon Accounting Financials (PCAF) has launched a global accounting standard to measure greenhouse gas emissions associated with
insurance underwriting portfolios; PCAF also includes methodologies pertaining to emissions associated with investments.<SUP>27</SUP>
The Science Based Targets initiative recently released a scoping document on available methodologies for measuring insurance-related emissions.
SBTi underscores that not only PCAF, but the Chief Risk Officers (CRO) Forum, and the Poseidon Principles for Maritime Insurance have
all released methodologies addressing emissions measurement for certain insurance sectors.<SUP>28</SUP></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">Despite access to such methodologies, Chubb has not measured or disclosed
the emissions associated with its insurance or investment activities. Chubb has voiced concerns about the adequacy of the PCAF methodology
for measuring its insured and invested emissions, as well as problems with data availability. However, its reasoning does not hold up
under scrutiny. PCAF notes that its standard can be applied to more than 70% of the global property and casualty primary insurance market,
and the PCAF working group aims to extend its scope even further.<SUP>29</SUP></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">Achieving a baseline for relevant Scope 3 emissions for any type of
company is an iterative process; the norm in climate reporting is for companies to begin the process of disclosing their climate impact
via emissions measurement and accounting in the areas that present the highest carbon emissions and thus the most risk. Given the focus
on these areas -- including fossil fuels, vehicles, and utilities -- more extensive data is available for these sectors.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">As an example of the iterative approach, large U.S. banks first established
a commitment to measure and disclose their insured emissions, starting with their most carbon-intensive portfolios such as auto-manufacturing
and oil and gas and energy. After having developed and/or adopted available measurement methodologies, banks began measuring and disclosing
emissions for their highest carbon sectors; year-on-year most have also begun measuring emissions and setting reduction targets for additional
sectors within their portfolios. The Institutional Investor Group on Climate Change (IIGCC) supports this iterative process, stating that:</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Companies typically begin reporting Scope 3 emissions by
focusing on the most material categories and/or those for which they have the best data. Data and methodologies tend to be refined over
time, leading to re-statement by reporting companies. Companies will also start to include additional categories over time, which results
in higher overall Scope 3 numbers.<SUP>30</SUP></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>26</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.mckinsey.com/industries/financial-services/our-insights/insurance/net-zero-underwriting-in-p-and-c-and-the-growth-at-stake</FONT><FONT STYLE="font-size: 9pt">;
SBTi is in alignment with this finding, </FONT><FONT STYLE="font-size: 9pt">https://sciencebasedtargets.org/resources/files/SBTi-Insurance-Industry-Brief-Publication.pdf</FONT>
<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">p.10</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>27</SUP></FONT> <FONT STYLE="font-size: 9pt">https://carbonaccountingfinancials.com/files/downloads/pcaf-standard-part-c-insurance-associated-emissions-nov-2022.pdf</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>28</SUP></FONT> <FONT STYLE="font-size: 9pt">https://sciencebasedtargets.org/resources/files/SBTi-Insurance-Industry-Brief-Publication.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.18-21</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>29</SUP></FONT> <FONT STYLE="font-size: 9pt">https://carbonaccountingfinancials.com/en/newsitem/pcaf-launches-the-global-ghg-accounting-and-reporting-standard-for-insurance-associated-emissions</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>30</SUP></FONT> <FONT STYLE="font-size: 9pt">https://139838633.fs1.hubspotusercontent-eu1.net/hubfs/139838633/2024%20resources%20uploads/IIGCC_Investor-approaches-to-scope-3_Final_Jan-2024.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.15</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="white-space: nowrap; width: 9%"><IMG SRC="asyousowlogo.jpg" ALT=""><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="white-space: nowrap; width: 82%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 9pt; color: rgb(0,129,61)"><B>2024
Proxy Memo</B></FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; color: #00813D"><B></B></FONT><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb Limited | Scope 3 Emissions Disclosure</FONT></P>
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    <TD STYLE="width: 9%"><IMG SRC="greencenturylogo.jpg" ALT="">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">Only by measuring and disclosing GHG emissions can investors have confidence
that a company understands the full range of its emissions and associated climate risk and is taking action to address that risk and reduce
its contribution to climate change along the timeline laid out by climate science.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">As discussed below, other insurance companies have begun to measure
and disclose their insured and invested emissions demonstrating that it is not only possible, but feasible and necessary.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">A study in the journal Nature emphasizes that if companies&rsquo; emissions
&ldquo;are not evaluated against a common, and as early as practicable, base year, it is not possible to compare their actions-to-date
against climate goals and it becomes virtually impossible to ensure actions are on target with the Paris goals.&rdquo;<SUP>31</SUP> Only
by measuring and disclosing GHG emissions year over year can investors have confidence that sufficient climate action is being taken by
their company to reduce risk along the timeline laid out by climate scientists.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31.5pt"></TD><TD STYLE="width: 18pt"><B>3.</B></TD><TD><B>Chubb is falling behind peers in addressing the climate impact
                                            of its <FONT STYLE="font-size: 11pt">insuring and underwriting activities and has not adequately
                                            responded to shareholders&rsquo; climate-related expectations.</FONT></B></TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">It is becoming the norm for companies exposed to carbon intensive industries,
including the insurance industry, to disclose their climate impact via emissions measurement and accounting. Twenty insurers have committed
to measure and disclose the GHG emissions associated with their investments via the PCAF methodology. Six of these insurers, including
Swiss Re: have already disclosed baselines for these Scope 3 insured emissions. Others not on this list, such as Travelers,<SUP>32</SUP>
AIG,<SUP>33</SUP> and Munich Re<SUP>34</SUP> have also begun to disclose their investment related emissions.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">A number of insurers have begun to measure their insurance-related
emissions, many of them following the PCAF methodology. This includes Swiss Re<SUP>35</SUP>, a.s.r. <SUP>36</SUP>, Achmea<SUP>37</SUP>,
NN Group<SUP>38</SUP>, and Fidelis MGU.<SUP>39</SUP> Additionally, Allianz<SUP>40</SUP>, Aviva<SUP>41</SUP>, and Generali<SUP>42</SUP>
have committed to baselining insurance associated emissions so as to align insured emissions with limiting emissions to net zero by 2050.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>31</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.nature.com/articles/s41467-022-31143-4</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>32</SUP></FONT> <FONT STYLE="font-size: 9pt">https://sustainability.travelers.com/iw-documents/sustainability/Travelers_TCFDReport2022.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.34</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>33</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.aig.com/content/dam/aig/america-canada/us/documents/about-us/report/aig-esg-report_2022.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.32</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>34</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.munichre.com/content/dam/munichre/contentlounge/website-pieces/documents/MunichRe-Sustainability-Report_2022.pdf/_jcr_content/renditions/original./MunichRe-Sustainability-Report_2022.pdf
p.37</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>35</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.swissre.com/sustainability/approach/metrics-targets/climate-metrics-insurance.html</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>36</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.asrnl.com/-/media/files/asrnederland-nl/duurzaam-ondernemen/ratings-en-benchmarks/2022-climate-report-asr.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.29</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>37</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.achmea.nl/-/media/achmea/documenten/duurzaamheid/achmeanl_documenten_en/achmea-climate-transition-plan-december-2023.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.62</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>38</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.nn-group.com/sustainability/taking-climate-action.htm</FONT>
<FONT STYLE="font-size: 9pt">p.39</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>39</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.fidelismgu.com/content/dam/fidelis/mgu/sustainability/esg-presentation-2023/2023%2010%20Fidelis%20ESG%20Presentation%20MGU%202023.pdf.downloadasset.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.8</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>40</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.allianz.com/content/dam/onemarketing/azcom/Allianz_com/sustainability/documents/Allianz_Group_Sustainability_Report_2022-web.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.92</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>41</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.aviva.com/sustainability/reporting/climate-related-financial-disclosure/</FONT>
<FONT STYLE="font-size: 9pt">p.24</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>42</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.generali.com/sustainability/our-commitment-to-the-environment-and-climate</FONT>
<FONT STYLE="font-size: 9pt">p.15</FONT></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="white-space: nowrap; width: 9%"><IMG SRC="asyousowlogo.jpg" ALT=""><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="white-space: nowrap; width: 82%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 9pt; color: rgb(0,129,61)"><B>2024
Proxy Memo</B></FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; color: #00813D"><B></B></FONT><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb Limited | Scope 3 Emissions Disclosure</FONT></P>
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    <TD STYLE="width: 9%"><IMG SRC="greencenturylogo.jpg" ALT="">&nbsp;</TD></TR>
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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Lloyd&rsquo;s marketplace for insurance and
reinsurance is developing processes with Moody&rsquo;s Analytics to aid in the quantification of GHG emissions across underwriting and
investment portfolios, following PCAF methodology. This is in response to the UK&rsquo;s Streamlined Energy and Carbon Reporting framework
which will require many insurers to report their GHG emissions.<SUP>43</SUP> Chubb has insurance operations in the U.K.<SUP>44</SUP></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">AIG has also begun the process of ascertaining
its carbon exposure baseline for its underwriting activities. It estimates that its underwriting portfolio makes up 48% of its total GHG
emissions, compared to 51% from investments. The company reports that it engaged a third-party consultancy to help estimate absolute and
intensity emissions within its underwriting portfolio.<SUP>45</SUP> <FONT STYLE="font-family: Times New Roman, Times, Serif">It also breaks
out percentages of emissions for the underwriting portfolio by sector, with utilities being the largest at 27.8%.<SUP>46</SUP></FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">Chubb&rsquo;s refusal to begin measuring and disclosing its emissions
means that it is falling behind peer insurers while leaving investors in the dark. As importantly, until it understands its own greenhouse
gas emissions, it cannot effectively create a plan to reduce those emissions and reduce its climate-related risk.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 13pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 9pt; background-color: #B8CCE4">RESPONSE TO CHUBB&rsquo;S
BOARD OF DIRECTORS&rsquo; STATEMENT IN OPPOSITION</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&ldquo;Chubb shares the proponents&rsquo; objective to limit warming
to 1.5<FONT STYLE="font-family: Symbol">&deg;</FONT>C in order to avoid the most dangerous impacts of climate change and has been actively
working to support this goal. However, we have previously provided extensive public reporting explaining why the disclosure of Scope 3
emissions provides no meaningful basis to evaluate Chubb&rsquo;s actions to address climate change or manage our climate-related risk.&rdquo;</I></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">-</TD><TD><FONT STYLE="color: #222222; background-color: white">There is strong consensus amongst global institutions that in order to reach
the Paris Agreement&rsquo;s 1.5&deg;C Celsius goal, it is necessary to undertake a broad scale accounting process to ensure that anthropogenic
emissions do not overtake this goal. </FONT><FONT STYLE="background-color: white">E</FONT>very company must take responsibility for the
emissions it produces through its business activities, including the indirect emissions which its business facilitates. As discussed above,
limiting Chubb&rsquo;s focus to Scope 1 and 2 emissions from its offices and electricity use, while ignoring the likely 99% of the emissions
associated with its insuring, underwriting, and investing activities, will do little to achieve the global net zero goal.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>43</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.lloyds.com/about-lloyds/media-centre/press-releases/lloyds-and-moodys-to-develop-an-emissions-accounting-solution-through-the-lloyds-lab</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>44</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.chubb.com/uk-en/about-us-uk/company-details.html</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>45</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.aig.com/content/dam/aig/america-canada/us/documents/about-us/report/aig-esg-report_2021.pdf.coredownload.pdf%20</FONT>
<FONT STYLE="font-size: 9pt">p.39</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>46</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.aig.com/content/dam/aig/america-canada/us/documents/about-us/report/aig-esg-report_2021.pdf.coredownload.pdf%20</FONT>
<FONT STYLE="font-size: 9pt">p.40.</FONT></P>

<P STYLE="color: #71C267; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.25in 0pt 0">&nbsp;</P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="white-space: nowrap; width: 9%"><IMG SRC="asyousowlogo.jpg" ALT=""><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="white-space: nowrap; width: 82%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 9pt; color: rgb(0,129,61)"><B>2024
Proxy Memo</B></FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; color: #00813D"><B></B></FONT><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb Limited | Scope 3 Emissions Disclosure</FONT></P>
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    <TD STYLE="width: 9%"><IMG SRC="greencenturylogo.jpg" ALT="">&nbsp;</TD></TR>
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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&ldquo;We do not believe that greenhouse gas (GHG) emissions produced
by our clients can be calculated with any methodological validity or that such calculations would alter our approach to engagement with
high-emitting industries to promote the net-zero transition.&rdquo;</I></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>As discussed in Section 2 above, industry-informed frameworks exist for measuring and modelling insured and invested emissions. Many
other insurers have begun using the PCAF methodology or processes based on PCAF with the company&rsquo;s own changes made clear. To wait
until emissions measurement techniques are perfect would mean that no company would begin to disclose emissions, and the data quality
issue would not resolve itself. Investors assume that Chubb will focus first on the areas which contribute most significantly to its portfolio
emissions, and that it is not an all or nothing process.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Forbes notes that financial institutions&rsquo; measurement of GHG emissions in their portfolios can strengthen their ESG strategies
by allowing identification of hard to abate sectors. It also states that even without a single global standard of measurement, financial
institutions should still start preparing their emissions data as a process that will include first identifying data gaps and then analyzing
how to address them.<SUP>47</SUP></TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>The imperfect state of climate data must not impede action. PCAF acknowledges this but states that estimates or proxies may be used
and that companies can address this, for instance, by reporting data quality scores alongside their emissions and has established a 1-5
scale to rank the type of data used. This approach recognizes that data quality is not perfect or imperfect, but that data limitations
should not prevent insurers from starting their net zero underwriting journey. It is expected that data quality will improve over time,
especially as more companies participate in measuring and disclosing their emissions.<SUP>48</SUP></TD></TR></TABLE>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>As an example, NN Group gives a disclaimer about data quality and the methodology used for calculating its insurance associated emissions.<SUP>49
</SUP>Some banks also provide disclaimers on their financed and/or invested emissions measurements to help make sense of any external
factors that may affect emissions outcomes. Chubb can choose to provide context for shareholders about the Company&rsquo;s doubts and
other factors influencing insured and invested emissions. Such qualitative additions can be very helpful to investors, and should not
be a reason to not report all together.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Another example of how financed and insured emissions measurement can be transparent, despite ongoing changes in data or quantification
processes, is demonstrated by banks. Citi Bank writes a disclaimer of how company valuation changes impact its financed emissions measurement
in the energy sector and notes that its baselines are likely to change as more data becomes available or is improved over time.<SUP>50
</SUP>This shows how a company can assess emissions and be transparent, even if data and quantification methodologies are improving over
time.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>47</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.forbes.com/sites/deloitte/2021/12/15/measuring-up-financial-institutions-and-emissions/</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>48</SUP></FONT> <FONT STYLE="font-size: 9pt">https://www.moodysanalytics.com/articles/2023/insurance-associated-ghg-emissions-the-pcaf-measurement-standard</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><I><SUP>49</SUP></I></FONT> <FONT STYLE="font-size: 9pt">https://www.nn-group.com/sustainability/taking-climate-action.htm</FONT>
<FONT STYLE="font-size: 9pt">p.37</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><I><SUP>50</SUP></I></FONT> <FONT STYLE="font-size: 9pt">https://www.citigroup.com/rcs/citigpa/storage/public/taskforce-on-climate-related-financial-disclosures-report-2022.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.58</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="white-space: nowrap; width: 9%"><IMG SRC="asyousowlogo.jpg" ALT=""><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="white-space: nowrap; width: 82%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 9pt; color: rgb(0,129,61)"><B>2024
Proxy Memo</B></FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; color: #00813D"><B></B></FONT><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb Limited | Scope 3 Emissions Disclosure</FONT></P>
                                                <P STYLE="margin-top: 0; margin-bottom: 0"></P></TD>
    <TD STYLE="width: 9%"><IMG SRC="greencenturylogo.jpg" ALT="">&nbsp;</TD></TR>
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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>IIGCC also notes that it is not unusual for companies to change or correct their strategy for measuring Scope 3 emissions. &ldquo;As
companies across value chains improve their emissions reporting capabilities, it is typical to see changes in the way they calculate their
emissions. . . These changes in calculation methodology usually require companies to re-baseline if they generate material differences
to the base year emissions . . . it is also typical to see companies move from making their own scope 3 estimations towards using numbers
reported by counterparties, as reporting across the value chain improves.&rdquo;<SUP>51 </SUP>As long as such changes in calculations
are made transparent to investors, this type of iterative process is important to start now.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&ldquo;&hellip;many of our clients are not currently required to
report their GHG emissions to government authorities and therefore may not have data that they are able, or willing, to provide to Chubb.&rdquo;&hellip;&ldquo;We
will be subject to the SEC rule, and we believe it is best for the Company to build the SEC climate disclosure rule into its strategy
without the constraints of this proposal, which was formulated when the SEC rule was not public.&rdquo;</I></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>The purpose of this proposal is not to ask for information that will already be reported to government entities. Rather, it is to:
seek information beyond what is currently required by regulation, provide investors with decision-useful information, and show climate
leadership through voluntary disclosure.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Chubb can also use its resources and relationships with its clients to help incentivize clients to disclose their emissions and aid
Chubb in its Scope 3 data collection.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&ldquo;Proponents&rsquo; premise is that insurers&rsquo; disclosure
of Scope 3 emissions will lead to Scope 3 targets, which, in turn, will lead to reductions in Scope 3 emissions across the global economy.
Yet proponents provide no evidence that this causal link exists.&rdquo;</I></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>This argument misses the point of the proposal. Only through the disclosure of emissions year-over-year can investors understand the
scope of Chubb&rsquo;s emissions and whether it is reducing those emissions in line with global Paris goals. Such disclosure and any associated
emission reductions creates accountability and allows a better assessment of Chubb&rsquo;s contributions to climate change, its climate
risk, and the impact of any climate related actions over time. Further, once emissions are assessed, a company can set Scope 3 targets,
which help drive forward action. Proponent has never taken the position that measurement necessarily leads to adoption of Scope 3 targets,
but such targets cannot be effectively adopted without first measuring emissions.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"><I>_____________________________</I></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><I><SUP>51</SUP></I></FONT> <FONT STYLE="font-size: 9pt">https://139838633.fs1.hubspotusercontent-eu1.net/hubfs/139838633/2024%20resources%20uploads/IIGCC_Investor-approaches-to-scope-3_Final_Jan-2024.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.15</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&nbsp;</I></P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="white-space: nowrap; width: 9%"><IMG SRC="asyousowlogo.jpg" ALT=""><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="white-space: nowrap; width: 82%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 9pt; color: rgb(0,129,61)"><B>2024
Proxy Memo</B></FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; color: #00813D"><B></B></FONT><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb Limited | Scope 3 Emissions Disclosure</FONT></P>
                                                <P STYLE="margin-top: 0; margin-bottom: 0"></P></TD>
    <TD STYLE="width: 9%"><IMG SRC="greencenturylogo.jpg" ALT="">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&ldquo;&hellip; as the Institutional investor Group on Climate Change
(IIGCC) notes in a recent discussion paper, &ldquo;Scope 3 accounting and target-setting at portfolio or fund level may not lead to real-world
outcomes that help to reduce climate change.&rdquo;</I></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>This quote is from a paper which discusses the importance and materiality of Scope 3 emissions, and the full quote begins with &ldquo;Ultimately,
it is important to recognise that the purpose of scope 3 data, even for one entity, is not to assign emissions ownership but to assess
its carbon exposure&hellip;&rdquo;<SUP>52</SUP> This underscores the real world importance of carbon emission disclosures. The paper referenced
also states that &ldquo;Scope 3 emissions are an essential part of understanding an individual company&rsquo;s impact on climate change&hellip;By
understanding the value chain emissions of portfolio companies, investors can better identify and prioritise engagement on decarbonization.&rdquo;<SUP>53</SUP></TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&ldquo;As detailed in our 2023 Sustainability Report and 2023 TCFD
Report, the Company has identified the high-emitting, transition-exposed industries where we have underwriting exposures, and we are developing
science-based underwriting criteria that require our insureds to take tangible actions in their operations addressing their risk that
we expect will result in near-term GHG emissions reductions.&rdquo;</I></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>The Proponents applaud Chubb&rsquo;s movement forward on its Climate+ Program, its Methane Resource Hub, and underwriting criteria
for gas production in conservation areas. However, without a quantitative baseline of emissions for its activities, it is unclear how
Chubb can substantiate emission reductions or ultimately, alignment with Paris Agreement goals. Emissions baselining, inventory, and disclosure
are the accountability mechanisms used to show progress<FONT STYLE="font-size: 9pt">.</FONT></TD></TR></TABLE>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>By not measuring and disclosing emissions, Chubb is avoiding accountability for whether it is successful in reducing its GHG emissions.
Chubb states that it is &ldquo;developing science-based underwriting criteria that require our insureds to take tangible actions in their
operations&rdquo; and that it expects this &ldquo;will result in near-term GHG emissions reductions.&rdquo; Investors support Chubb&rsquo;s
statement that it requires emissions reduction action from clients. Only by measuring and reporting its emissions will Chubb be able to
demonstrate how successful this action is over time.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>While Chubb states that it will be undertaking important client engagement work with gas extractors, without understanding the scale
of its client base, or what percentage the industry represents in its overall emissions, it is unclear whether this policy is fundamental
to Chubb&rsquo;s climate progress or simply an exercise that affects only a small subset of clients.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&ldquo;Moreover, for any large commercial insurer like Chubb, its
Scope 3 emissions will span a vast range of economic activities, including activities with little direct GHG emissions, high emitting
activities that are subject to significant transition risks, high-emitting activities that do not have significant transition risks, and
activities that help to reduce emissions in the real economy.&rdquo;</I></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Of course, Chubb&rsquo;s coverage and investing spans a wide range of economic activities, but as the Company notes above, it is capable
of making commonsense judgments about which sectors are emissions heavy and should be the focus of initial measurement efforts. Such an
analysis will give Chubb and investors further clarity into which sectors it might then set targets for and will assist in measuring its
success in reducing emissions.</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>52</SUP></FONT> <FONT STYLE="font-size: 9pt">https://139838633.fs1.hubspotusercontent-eu1.net/hubfs/139838633/2024%20resources%20uploads/IIGCC_Investor-approaches-to-scope-3_Final_Jan-2024.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.13</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>53</SUP></FONT> <FONT STYLE="font-size: 9pt">https://139838633.fs1.hubspotusercontent-eu1.net/hubfs/139838633/2024%20resources%20uploads/IIGCC_Investor-approaches-to-scope-3_Final_Jan-2024.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.21</FONT></P>

<P STYLE="font: 11pt Symbol; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 11pt Symbol; margin: 0pt 0"></P>

<P STYLE="font: 11pt Symbol; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="white-space: nowrap; width: 9%"><IMG SRC="asyousowlogo.jpg" ALT=""><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="white-space: nowrap; width: 82%"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 9pt; color: rgb(0,129,61)"><B>2024
Proxy Memo</B></FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; color: #00813D"><B></B></FONT><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb Limited | Scope 3 Emissions Disclosure</FONT></P>
                                                <P STYLE="margin-top: 0; margin-bottom: 0"></P></TD>
    <TD STYLE="width: 9%"><IMG SRC="greencenturylogo.jpg" ALT="">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 11pt Symbol; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>While the Proponents understand that this is a complex task, IIGCC notes that it is normal for companies to measure Scope 3 emissions
as an iterative process: &ldquo;Companies typically begin reporting scope 3 emissions by focusing on the most material categories and/or
those for which they have the best data. Data and methodologies tend to be refined over time, leading to re-statement by reporting companies.
Companies will also start to include additional categories over time, which results in higher overall scope 3 numbers.&rdquo;<SUP>54</SUP>
IIGCC further states that &ldquo;Scope 3 emissions can be considered a good proxy for transition risk in most cases. It calls attention
to the reality that companies can be &ndash; and typically are &ndash; exposed to climate transition risks across their broad value chains.&rdquo;<SUP>55</SUP></TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 13pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 9pt; background-color: #B8CCE4">CONCLUSION</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Vote &ldquo;Yes&rdquo; on this Shareholder Proposal. </B>Chubb&rsquo;s
underwriting and investing activities are climate-intensive, the Company has failed to begin the process for measuring either its insured
or invested emissions and is lagging peer<FONT STYLE="font-size: 9pt">s. We urge a &ldquo;Yes&rdquo; vote on this resolution.</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>--</I></B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt"><I>For questions, please contact Danielle
Fugere, As You Sow, dfugere@asyousow.org</I></FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">THE FOREGOING INFORMATION MAY BE DISSEMINATED
TO SHAREHOLDERS VIA TELEPHONE, U.S. MAIL, E-MAIL, CERTAIN WEBSITES AND CERTAIN SOCIAL MEDIA VENUES, AND SHOULD NOT BE CONSTRUED AS INVESTMENT
ADVICE OR AS A SOLICITATION OF AUTHORITY TO VOTE YOUR PROXY. THE COST OF DISSEMINATING THE FOREGOING INFORMATION TO SHAREHOLDERS IS BEING
BORNE ENTIRELY BY ONE OR MORE OF THE CO-FILERS. PROXY CARDS WILL NOT BE ACCEPTED BY ANY CO-FILER. PLEASE DO NOT SEND YOUR PROXY TO ANY
CO-FILER. TO VOTE YOUR PROXY, PLEASE FOLLOW THE INSTRUCTIONS ON YOUR PROXY CARD<I>.</I></FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>54</SUP></FONT> <FONT STYLE="font-size: 9pt">https://139838633.fs1.hubspotusercontent-eu1.net/hubfs/139838633/2024%20resources%20uploads/IIGCC_Investor-approaches-to-scope-3_Final_Jan-2024.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.15</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>55</SUP></FONT> <FONT STYLE="font-size: 9pt">https://139838633.fs1.hubspotusercontent-eu1.net/hubfs/139838633/2024%20resources%20uploads/IIGCC_Investor-approaches-to-scope-3_Final_Jan-2024.pdf</FONT>
<FONT STYLE="font-size: 9pt">p.12</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">11</P>

<P STYLE="margin: 0"></P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
