L/O/G/O August 2012 MONTHLY REPORT Policy Admin division Management division Finance and Accounting IT division Joseph Chi

AgendaAgenda 1 1 Policy Admin Division 2 2 Management Division 3 3 Finance, Accounting & Investment 4 4 IT Division

L/O/G/O Policy Admin Report

P.A New Regulations  Underwriting department accepts ID more than 15 years  From August 2012, underwriting department accepts the ID more than 15 years but clients still need to submit the driver license together with ID

P.A New Regulations  Client Signature Checking  From October 2012, if the signature on contract application form is different from the signature on medical examination report, the contract application will be declined

Not-taken ratio in 7 th WKM Branch Working month 7th Issue case Not-taken case Ratio (%) Case Premium Case Values HCM ,672, ,642,0003.8% Ha Noi ,401, ,917,0004.6% Da Nang ,591, ,406,0004.8% Can Tho ,020, ,608,0006.8% Dong Nai 194 1,276,760, ,788,0003.0% Hai Phong ,549, ,710, % GA BenTre 3 10,450, % TOTAL 466 2,715,443, ,071,0006.1% 4% Target 2012

Not taken ratio trend chart

Jul, 2012 premium eff. on that month is 22.3%, compare last month is higher 0.7% Premium collection eff. on that month – Jul 2012

Unit Jun – 2012Jul – 2012Total 01 ~ Target (M) Actual (M) Achiev. (%) Target (M) Actual (M) Achiev. (%) Target (M) Actual (M) Achiev. (%) HCM 2,0001, ,0001, ,40010, HN 3,6001, ,8001, ,0009, DN ,2001, CAN 1, , ,4302, DNA 1, , ,5403, HAP , ,8701, Total 9,1004, ,3005, ,42030, Actual premium is 5396M, compare last month is higher 615M, achievement rate is 57.9% Actual premium in July 2012

L/O/G/O Management Division Report

2012 MID-YEAR PERFORMANCE EVALUATION PROGRAM  Evaluation period:  Dec. 01, 2011 – May 31, 2012  Effective time of salary review & promotion: August 2012  Normally salary review & promotion for whole company will be applied every February

NameOld positionNew position HUNG KUO CHAO Planning Deputy DirectorPlanning Director 1 YEN JUNG PIN Management Deputy DirectorManagement Director 1 RUAN WEN JUNG IT Deputy Director 2 IT Deputy Director 3 (Acting for IT Director) CHAO CHIH HUNG Marketing Assistant DirectorMarketing Deputy Director 1 LIN HUNG TSUNG Internal Auditing Manager Internal Auditing Senior Manager JUAN SHOU MING IT Assistant ManagerIT Manager 2012 MID-YEAR PERFORMANCE EVALUATION RESULT

NameOld positionNew position CHI JUI FENG IT Assistant ManagerIT Manager NGUYEN HUU PHUOC Agency Training & Development Specialist Agency Training & Development Senior Specialist PHAN NGOC QUANG Claim Assistant SpecialistClaim Specialist NGUYEN THI THU HONG Humance Resources Assistant Specialist Humance Resources Specialist NGUYEN THI HOANG YEN Internal Auditing Assistant Specialist Internal Auditing Specialist HA CHI DUNG Business Planning Assistant Specialist Business Planning Specialist 2012 MID-YEAR PERFORMANCE EVALUATION RESULT

Legal News  3 new government regulations taking effect.  Circular 123/2012/TT - BTC on detailing implementation of enterprise income tax  Circular 124/2012/TT - BTC on detailing implementation of managements of insurance enterprises  Circular 125/2012/TT - BTC on financial regime relating to insurance companies

Office building information 1.LADECO (Ha Noi): Lease contract termination  Official termination date : Sep 23, 2012  All Agents moving to Bui Thi Xuan office : done  Assets & furniture moving to warehouse : done  Restore original status and hand-over : in progress  Other related service contract termination : in progress 2.HUNG LOI (Can Tho): Lease contract termination  Estimated termination date : Sep 30, 2012  Notice to Landlord : drafted & submitted to BOD  All Agents moving to Hanh Phuc office  Warehouse lease : on process

Occupational Safety & Health Course  Training course of Occupational Safety & Health (2 nd Course in 2012)  Organized by : GA Department  Information :  1 st OSH course : Jun 01, 2012 (65 employees)  2 nd OSH course :  Date : Sep 07, 2012  Time : from 13 H 30 to 16 H 30  Venue : Big meeting room - 10F - TWC  Attendant : Vietnamese employees who didn’t join 1 st course (office staffs & BDOs)

L/O/G/O Finance, Accounting and Investment

Investment Asset Allocation Gov. Bonds: Ave. yield 15%; Duration 4.7y Gov. Bonds: Ave. yield 15%; Duration 4.7y USD TD: Ave. rate 1.5%; Tenor: 0.1y USD TD: Ave. rate 1.5%; Tenor: 0.1y VND TD: Ave. rate 12.6% ; Tenor: 5.1y VND TD: Ave. rate 12.6% ; Tenor: 5.1y Cash/DD: Ave. rate 1.5% Cash/DD: Ave. rate 1.5% Note: As of Aug. 22 nd Most of our investment income comes from the long term Government Bonds. Weighted average yield is around 13.4%. We achieve 10.6 billion VND Investment Income every month. Gov. Bond (65.8%) USD TD (6.5%) VND TD (27.4%) Cash (0.3%) Portfolio: VND954 billion

Business Result 2012

Total Asset Billion Charter Capital July12 Asset, Liabilities 9661,0171,0411,0771,0961,111

L/O/G/O IT Division Report

Agenda 1 1 Question-Response Area 2 2 E-learning System 3 3 Finger Machines Setup 4 4 Service Center KPI 5 5 Other jobs supporting users

Agenda 1 1 Question-Response Area 2 2 E-learning System 3 3 Finger Machines Setup 4 4 Service Center KPI 5 5 Other jobs supporting users

Question-Response Area  For Agents and Staffs to express their opinions or questions  The Design of this Area is a one way Forum  The questions will be answered and confirmed by coresponding division  To achieve the objective of training staff  To be a Knowledge Management System

Question-Response Area Create Assign Person in charge Agents, Staff Business Types Director System Flow Post

Agenda 1 1 Question-Response Area 2 2 E-learning System 3 3 Finger Machines Setup 4 4 Service Center KPI 5 5 Other jobs supporting users

E-learning system  Provide a platform for agents and training division  To get or publish the latest and richest information from company in real time  Agents discuss and share their experiences  Easily maintained by training division  Adopt XOOPS to build the platform  Open source  Extendable Modules

E-learning system  E-learning system functions E-learning System NewsVideoFileAlbumForum

E-learning system

Agenda 1 1 Question-Response Area 2 2 E-learning System 3 3 Finger Machines Setup 4 4 Service Center KPI 5 5 Other jobs supporting users

Finger machines Setup  To support the new agency system  Build a full-time agent team  Manage All BDO,SM and BM CurrentAfter BDO roll call Controlled by human Check in on machine Controlled by System Roll Call Method Comparison

Finger Machine Check-in Finger Machine PC BCS (Business core system ) Upload Attendance data Count Finger Machine Data Upload & Attendance Data Generation Flow

Agenda 1 1 Question-Response Area 2 2 E-learning System 3 3 Finger Machines Setup 4 4 Service Center KPI 5 5 Other jobs supporting users

Service Center KPI  Function to evaluate the performance of each CS Staff and Unit  Key Performance of Daily Jobs  Process the transactions that input into system

Service center KPI CS KPI Source Premium P.O.S New Contract Claim

Service center KPI  KPI Formula  An issue is that  Not every transaction is equivalent.  Not every staff’s capacity is equivalent. ( influenced by position, seniority ) Weighted Transaction Count Weighted Headcount

Service center KPI Transaction Counts Weight Setting ( HR ) Headcount Weighted Transaction Counts Weighted Headcount

Agenda 1 1 Question-Response Area 2 2 E-learning System 3 3 Finger Machines Setup 4 4 Service Center KPI 5 5 Other jobs supporting users

1 1 Create the leading indicators report 2 2 Develop time deposit function 3 3 Collect Multi-Times Premium in 1 Day 4 4 BDO 13 working month fixed-salary 5 5 UL Improvements