1. 1 MONTHLY REPORT APRIL, 2009

2. 2 ENGAGED PROJECT THIS MONTH I. Performance 4 th -09 working month II. Agency Incentive III. Agency Management

3. 3 1. HEADCOUNT 2. PFYP VERIFICATION 3. PRODUCTIVITY I. PERFORMANCE

4. 4 Headcount Region SM/Pre-BM/AS (Full-time) Total (includes IA) HCM250 (+22) 696 (-83) HN528 (+84) 1,469 (-95) Da Nang24 (+11) 51 (+38) Total802 (+118) 2,216 (-140) ※ temporary ※ ( ) means compared with 3rd working month

5. 5 Full-time Part-time HN HCMC HCM vs HAN

6. 6 Full-time Part-time Quota Actual ACTUAL vs QUOTA

7. 7 Premium (FYP) & PFYP Region 4 th WKM PremPFYP HCM1,030920 (+38) HN1,8691,720 (+439) Total2,8992,640 (+477) Million Increase compare with last month 4 th WKM PFYP is temporary

8. 8 4 FYP vs PFYP & Target PFYP trend to go up, but PFYP below Target FYP PFYP A02 Target

9. 9 AS Attain Quota % Concentrate to improve AS productivity HN HCMC Target-40% Average in 2008 : 32,3% 2009Q1 : 29,8%

10. 10 % IA Sell 01 Policy↑ HN HCMC IA productivity improve due to this month assessment

11. 11 Product selling list PFYPPFYPPFYPPFYP PFYPPFYPPFYPPFYP CASESCASESCASESCASES CASESCASESCASESCASES C03 & C04 is the most best selling product

12. 12 Conclusion AS &IA productivity increase Agent are fond of selling C03 and C04 PFYP do not meet the Quota. Pro duc tivity Head- count No. of Recruitment meet Quota HAN recruitment better than HCM

13. 13 DA NANG QII-2009 Incentive 2 1 DA NANG Target II. AGENT INCENTIVE MDRT 3

14. 14 DA NANG Target in 2009 Month Items 0506 07080910111213 PFYP (mil) 667278132144150198207216 Full-time Agent81013161921232527 No. of Agent182432425560667280  Target of each Branch in 2009  were set equally

15. 15 DA NANG QII-2009 Incentive ItemsAward Region 1. Recruitment AS/IA award20,000 2. C04 sales competition 2.1.Regional Management Fund1,000,000 2.2.Top seller branch: Trophy300,000 3. Regional travel subsidy1,000,000 Branch 1. Monthly Hitting Target Award 1.1. 100% progress rate500,000 1.2. 130% progress rate1,000,000 2. Promotion Award100,000 3. Excellent New AS (10M PFYP 1st month)100,000

16. 16 MDRT – Million Dollar Round Table Type of credit Membership level First Year Working Commission PFYP MDRT163,559,760 545,199,200 Court of the Table490,673,8801,635,597,600 Top of the Table981,358,5603,271,195,200 Benefits of Membership Increased production through exchange of ideas with peers Requirement Increased prestige, self-esteem and confidence Professional development

17. 17 Support BM Support BM 2 III. AGENCY MANAGEMENT 1 Survey SM in Branch

18. 18 Survey Sales Manager Quality REASON Report of SM quality To help BM in selection & Training To evaluate cost of SM Region In-force SMResign SM Total SM SM Team APFYP Service month Resign SM % Resign Team APFYP Serv month HCM57235.13.63460%3.73.8 HAN382118.98.11745%11.56.3 Total 9544125.95154%7.65.1

19. 19 Survey Sales Manager Quality Report of SM cost Region Cost (mil) Total SM Financial Support A-Team PFYP Cost per PFYP HCM 57100215370.65 HAN 38112549320.23 95212764690.33 One PFYP company spend 0.33 for financial support to SM

20. 20 Survey Sales Manager Quality CONCLUSION Apply new rule: BM recruit maximize 15 SM  BM will select SM more carefully BM spend more time coaching Agency Supervisor to get promotion. More strictly Assessment of SM  BM should keep their eye on SM performance.  AA make assessment as compensation rule.

21. 21 BRANCH SUPPORT FAST TRACK PROMOTION PRESENTATION BM FUND TESTING Remind the fast track program Help Branch manager to define BM Fund Requirement of fast track program FQA PRESENTATION Help Agency to find the answer of frequency question of agent

22. 22