2 1. Underwriting

3 Incomplete ratio Region 2nd WKM3rd WKM4th WKM HCM 18.10%7.60%4% HCM 200%8.50% Ho Chi Minh Total7.80%7.20%5% HAN18.20%11.10%9.40% HAN210.40%7.50%6.20% HAN313.40%7.40%12.40% Ha Noi Total10.90%4.20%8.80% Da Nang Total4.80%4.40%6.90% Can Tho Total8.10%10.10%9.70% Grand total9.30%8.10%7.60% Under 10% Target 2010

----- Total incomplete Non-UW factor incomplete 4 Incomplete ratio Under 10% Target 2010

5 Analysis incomplete ratio Branch Non - UW factor UW factor Total Received case Non UW % Grand total % Wrong client's informatio n/ contract Lack of healthy declaration Releated to client's signature Releated to ID card Subtotal Ho Chi Minh %5.0% Ha Noi %8.8% Da Nang %6.9% Can Tho %9.7% Grand total %7.6% Incomplete ratio 7.6%Incomplete due to UW factor 4.8%Incomplete due to non-UW factor 2.8%

6 ME – Declined ratio ME reasonCases% Auto ME % Health condition % Total 63100% ME rate8.9% Declined/PostponedCases% Health condition777.8% Other reason222.2% Total9100% Declined rate1.3% Tend to 7% Target 2010

7 Confirmation slip (CFS) return Region Within 14 days 2nd WKM3rd WKM4th WKM HCM 180%97.60%96.50% HCM %50.00%84.40% Ho Chi Minh Total78.10%96.10%94% HAN185%96.70%95.10% HAN296.30%99.20%97.60% HAN379.90%97.80%97.70% Ha Noi Total88.30%98.20%97.10% Da Nang Total86.80%100%96.50% Can Tho Total91.40%98.60%94.20% Grand total87%98.10%95.40% Over 94% Target 2010

8 Confirmation slip (CFS) return Over 94% Target 2010

9 2. POS & Call center

Not-taken ratio Location 2nd 3rd /- Issues casesNot-taken Ratio CasesPremiumCasesPremium HCMC 3.15% ,604, ,900, %-1.78% HN 4.07%263 1,100,076, ,830, %-3.25% DN 25.88%57 248,971, ,266, %-12.58% CT 3.73% ,423, ,858, %3.46% Total 6.0%534 2,050,074, ,854, %-2.51% Under 4% Target 2010

Not-taken ratio Under 4% Target 2010

12 Confirmation call Confirmation call AreaMar Apr +/- Accept case Incompelete case Ratio HCMC100.00% %0.00% HN93.16% %-2.16% DN97.78% %0.71% CT87.23% %1.37% Total93.76% %-0.63% Over 92% Target 2010

13 3. Premium collection

14 Collection efficiency LocationJan Feb %+/- ReceivableActual casePrem (M)casePrem (M) HCMC83.7% , , %-6.3% HN73.9%457 1,004, , %4.4% DN74.1% , , %-2.3% CT84.0% 2817, , %-9.2% Company78.7% 1,1142,129, ,612, %-1.3% Over 80% Target 2010

Location wkm wkm wkm This month (5 th wkm) Total casesChecked%CheckUncheck HCM 96.0%97.3%94.3% %43 Hanoi 98.5%96.7%98.1% %35 Da Nang 100.0%99.7%97.8% %5 Can Tho 97.7%100.0% %13 Dong Nai %2 Grand total 97.8% 97.1% %98 15 TIA checking TIA checking Main reason: Main reason: 1. Lost 2. Agents live in province/resign

16 Other activities Finishing evaluation for the examination of application filling (attendants: BDO/Pre-BM/SM) => post result in B2E Drafting regulation of BDO’s yearly evaluation (30% performance relating to renewal premium collection efficiency) Drafting Q.2 regulation of collection efficiency incentive (no deduction)

17 Next month plan POS 1.Applying medical fee deduction of not-taken cases 2.Testing the interests of loan payment Call center 1.Drafting questionnaire & statement to meet client’s request 2.Call out reports in production system UW/Claim 1.Developing investigator system 2.Solution for not-delivering policy set (cont’) 3.Underwriter will attend the training course of Hannover Re. Premium Launching auto-pay in June 1 st 2010

18 Thank you