Insurance fraud is a serious concern for AIG. Insurance fraud committed by third parties, or by AIG employees, adversely impacts the industry, AIG’s profitability, our insureds, business partners, consumers and the general public. Industry sources estimate that insurance fraud costs the insurance industry billions of dollars every year. Insurance fraud can encompass any suspicious, fraudulent and/or illegal activity committed against AIG and related to AIG’s business. The most common types of suspicious activity and insurance fraud schemes are: claims fraud; underwriting/application fraud; provider fraud; premium fraud; producer / broker fraud and employee fraud.