1. LOGO POLICY ADMIN - May 2011

2. Contents 1. Underwriting Section 2. POS & Claim & CS Section 3. Premium Collection Section 4. Plan in Q2

3. Policy Admin 1. Underwriting section

4. Incomplete ratio Target 4.5% Index 1st-20112nd-20113rd-20114th-2011 Due to non UWUW totalnon UWUW totalnon UWUW totalnon UWUW total HCM5.4%9.7%2.0%6.1%2.8%9.9%5.1%15.4% Dong Nai1.6%3.9%2.5%10.1%3.3%4.6%3.1%7.9% Ha Noi5.1%8.6%7.3%10.7%7.0%12.4%13.8%18.3% Da Nang0% 2.9%0% Can Tho0.6%3.2%0%0.8%1.4%5.7%0%4.5% Hai Phong8.4%13.4%0%3.7%6.1%10.3%4.6%10.8% Total4.3%7.8%4.6%8.0%4.7%9.5%8.8%14.0%

5. Confirmation slip (CFS) return Target 96.5% UW Index12th13th1 st - 20112nd - 20113rd - 20114th - 2011 HCM97.4%95.5%93.9%85.7%96.6%96.7% Dong Nai95.7%94.1%80.3%97.4%99.3%92.0% Ha Noi94.4%90.7%57.0%96.9%97.6%98.9% Da Nang89.6%98.0%82.4%100% Can Tho99.0%97.1%91.9%97.5%96.1%93.9% Hai Phong92.1%93.9%96.9%100% 91.1% Total95.5%93.5%77.6%96.2%97.8%96.3%

6. Policy Admin 2. POS & Claim & CS section

7. Not-taken ratio Target 3.5% Region 1 st 2 nd 3 rd 4th Ho Chi Minh7.1%3.1%1.5%2.4% Dong Nai4.0%4.1%9.6%6.4% Ha Noi1.0%2.2%4.9%4.3% Da Nang0% Can Tho3.1%1.3%1.5%4.2% Hai Phong0.5%1.8%8.1%6.0% Grand total2.5%2.3%4.7%4.4%

8. Call out result in April Target 96% RegionFeb - 11Mar - 11Apr - 11 Ho Chi Minh 100%99.0% Ha Noi 99.6%97.0%98.3% Da Nang 100% Can Tho 100% 99.0% Dong Nai 100%93.9%97.5% Hai Phong 100%95.1%93.1% Total99.8%99.4%99.5%

9. SMS: Greeting client’s birthday Supplier Sending cases April Successful sending Failed CaseRatioCaseRatio Mobifone263 33% Viettel370 46.5% Vinaphone143 18% EVN3 30.8% Sfone5 50.6% VNM7 70.9% Wrong number4 40.5% Total79577697.6%192.4%

10. Claim figure Item 20102011 Increase % Jan ~ Apr Basic plan 21.966228.1661038% Accidental rider 047.107- Medical rider 5.25027.650526% Total27.246302.9231111% Explanation: 1.Death cases and disability cases increase 2.Medical rider launched in March 2010  R04 claim payment increasingly Unit: million dong

11. Policy Admin 3. Premium collection section

12. TIA checking Target 96.5% YearTIA checking % Unit/month 2010 2011 13 th 1 st 2 nd 3 rd 4 th 5 th Ho Chi Minh 94.8%93.4%97.8%99.3%96.8%97.3% Ha Noi 88.7%81.9%95.9%94.0%88.8%97.0% Dong Nai 88.9%94.6%100%97.7%100%95.9% Can Tho 100%99.6%99.0%98.2%99.5%99.7% Da Nang 98.6%95.8%99.3%98.7%97.3%98.0% Hai Phong 99.2%96.4%92.4%98.2%92.3%98.0% Company 93.3%91.1%97.3%97.1%94.6%97.8%

13. Collection efficiency Target 65% RegionJan Feb %+/- ReceivableActual CasePre (M)CasePre (M) HCM76.2%472 877,571397 683,54481.0%4.8% Ha Noi42.9%581 1,592,535353 784,54255.0%12.1% Da Nang58.2%125 290,50793 193,24170.5%12.3% Can Tho50.5%174 380,681116 220,67262.3%11.8% Dong Nai43.7%39 92,70729 73,70576.9%33.2% Hai Phong100%3 2,8452 2,24272.7%-27.3% Company56.0%1439 3,323,7381032 2,025,86966.3%10.3%

14. Q2 Plan Enhance customer service spirit 2 Promotion gift for client register Auto-pay 3 Staff salary deduction for premium payment 41 UL product launching preparation 5 Testing program for SC, BDO & SM 11

15. Purpose Attendant Content Time & Gift 1.To check PA knowledge 2.To ensure they convey information correct 3.Motivate working spirit SC user joins less than 6 months All of BDO Most of SM Focus on Underwriting, POS, Claim and Premium 50 questions/ test 3 different testing Date: 15 ~ 30. Jun Location: at SC Sphere: nation wide Gift: incentive bonus

16. SMS Development Suspend policy Claim decision Add value to clients Enhance customer service spirit Client’s birthday 01/04/11 01/06/11 Launching date

17. Purpose: pay premium via bank up to 5% Time: from 01/5/11 to 31/10/11 Method: deliver poster to client Client gets 1. Already existed account number in Sacombank 2. If not, client would open it with free of charge Condition

18. Process: Qualification: Premium: Over 1 million on due date Benefit: Discount 0.5% * total premium due date Employee and Agent still work Deduction from their salary

19. ItemsFinishedProgress Review application form Letter of customer’s rights First premium receipt Confirmation slip Testing to input new cases Top up testing POS testing: loan, reduce FA, surrender,… Claim testing: death, disability