1. LOGO Monthly Report Planning Division William Liao 24 Feb. 2012

2. Agenda Business Situation 2 Reinstatement Incentive Program 3 Policy Replacement4 Product Promotion & Training5 6 Planning Project Next Month Market News1

4. Group 1 1.guaranteed solvency 2.profitable business 1.guaranteed solvency 2.profitable business Group 2 1.guaranteed solvency 2.no profit in two consecutive years 1.guaranteed solvency 2.no profit in two consecutive years Group 3 solvency lower than the minimum level Group 4 Insolvent companies MoF will restructure insurance market into four groups

5. Business situation

6. Performance Efficiencies PFYPAccomplished 3,10332.5% Productivity (cases) Productivity (mil VND) One month retention 13 th month EAS↑SAS 2011 13wkm 0.21.518.1%15.5% 2012 1wkm 0.10.720.9%18.7%

7. Business situation Year20112012 month01020304050607080910111201 ％ 38.642.54841.633.441.238.837.328.131.230.624.2 23.7 2011 2012 13 th month one month persistency  persistency keep decrease, to Jan 2012 only 23.7%  increase persistency is one of important job of this year  persistency keep decrease, to Jan 2012 only 23.7%  increase persistency is one of important job of this year

8. Business situation www.themegallery.comCompany Logo Year20102011 Wkm111213012345678910 After 4 wkm 62.978.943.753.389.255.862.383.287.485.182.086.093.3 After 7 wkm 32.240.734.332.052.840.339.868.476.576.6 After 13wkm 19.016.018.7 month Premium 20112012 1234567891011121 0M ~ 5M2433333344332 5M ~ 10M467877578812 7 10M ~ 15M12 242725242621 161367 15M ~ 20M1010221022220 20M19510010011011 total3828373837 35323631302318  Must improve agent’ sales ability  increase productivity  enhance persistency rate  Must improve agent’ sales ability  increase productivity  enhance persistency rate Agent self-purchase rate Retention

9. Reinstatement Incentive Program

10. Campaign period: 01/12/2011 ~ 31/01/2012 Incentive program: For customer: + Wave the interest + Expand non-health check period + Expand reinstatement of terminated policy For Application Staff (include agent and collector) +Reinstatement bonus: 3%

11. Reinstatement Incentive Program Reinstatement Competition: Agency Branches Competition Application Staff Competition Rank Group No.1No.2No.3 Policy number (At least 3) 3M2M1M Premium (At least 15M) 3M2M1M RankNo.1No.2No.3 Policy number (At least 5) 5M3M2M

12. Region 12/1 – 1/31 cases premium HN17 25 DNAI1 631 HN4 5 16 Reinstatement Incentive Program Region 12/1 – 1/31 cases premium HCM2 00 CT 2 00 HP1 00 TOP 3 Last 3

13. Reinstatement Incentive Program The program result: For Agency branches: Note: No branches met condition (5 policies) BMBranch Number of policy Premium 1Dương Bích NgọcHAN4-04414M 2Nguyễn Thị Minh ÁnhHAN1-0B310M 3Trần Xuân HảiĐNA1-0339M

14. Reinstatement Incentive Program The program result: For application staffs: Ranking by number of policy: Note: Only 2 staffs met condition (3 policies) Ranking by premium: NamePositionRegion Number of policy Premium Cash Prize 1Ngô Hoàng TuấnCollectorHCM416M3M 2Nguyễn Bồi ThảoCollectorHN38M8M2M2M TTNamePositionRegion Number of policy Premium Cash Prize 1 Trần Thị Thu Trang CollectorHN223M3M3M 2Trần Huy KhánhCollectorHCM120M2M2M 3Ngô Hoàng TuấnCollectorHCM416M1M1M

15. Policy Replacement

16. The same Insured buy New policy while Old policy happen one of following case : surrendered suspended reduced sum assured reduced paid up, extended term Policy replacement Avoid agent unfair competition Why company must issue regulation of policy replacement ? Protect customers’ right Effective date 01 Dec. 2011

17. Policy Replacement Ex. If effective date is 15/12/2011  Jun /2011~ Jun /2012 is the observation period. Observation Period ±6 months from the effective date of New Policy or surrender or suspension date of Old Policy

18. Policy Replacement 2011/122012/01 Agents4929 FYP216M139M FYC87M56M Month20110789101112201201 No. of persons 40588370574929 Result

19. Policy Replacement BCS  外務管理 (Quản lý ngoại vụ)  查詢系統 (Tra tìm)  替換契約預警查詢 Cảnh báo tìm kiếm thay đổi hợp đồng BCS  外務管理 (Quản lý ngoại vụ)  查詢系統 (Tra tìm)  替換契約預警查詢 Cảnh báo tìm kiếm thay đổi hợp đồng

20. Product Training

21. Training schedule:  Place: 6 branches  Time: after getting product approval  Presenter: CAO  Participant: CRD, RD, BM, SM Training schedule:  Place: 6 branches  Time: after getting product approval  Presenter: CAO  Participant: CRD, RD, BM, SM Product Lauch Seminar

22. Planning Project Next Month

23. Compensation scheme adjustment Submit & design new products Prepare to new products promotion

24. LOGO