EFU LIFE ASSURANCE LTD Corporate Sales Presentation

Our History 1932 1962 1972 1992 2014 Company Formed Largest insurance company Nationalization of life insurance EFU Life - rebirth Leading private sector life company

About EFU Life Leading private sector life insurance company First Life Insurance company to have ISO 9001:2008 certification Strongest Financial base in the private sector Diversified Portfolio offering Best Value Products Best performing investment funds Largest agency Sales Force in the private sector Caring Customer support services with dedicated help line Prompt claim settlement Providing coverage to more than 1 million lives

Performance of EFU Life Gross Premium (PKR ‘000) As at 30th June 2014 Rupees per thousand.

EFU Life’s Market Share (Private Sector) 35%

Total Shareholder’s Equity Funds under management Financial Strength Total Company Assets PKR 67.2 Billion Paid Up Capital PKR 1 Billion Total Shareholder’s Equity PKR 2.8 Billion Funds under management PKR 59 Billion +

Financial Backing of the Largest Reinsurance Companies in the World

By JCR-VIS Credit Rating Company Limited Quality & Strength EFU Life is the only life insurance company in Pakistan to be awarded the ISO 9001:2008 certification. EFU Life is the first entity in the life insurance industry with an “Insurer Financial Strength” rating of; AA (Outlook Stable) By JCR-VIS Credit Rating Company Limited

Products Unit Linked Products Term Assurance Products A Comprehensive and Innovative product range Unit Linked Products Child Financial Planning Retirement Planning Female Savings Capital Accumulation Term Assurance Products Loan Protection Critical Illness Islamic Savings Products Group Benefits Products Providing insurance coverage to over 1,000,000 lives

Distribution Channels Distribution Strategy Individual Life Retail savings and insurance products Agency Sales Force More than 3,400 individuals and 157branches Bancassurance 14 bank partners Group Benefits Employer-employee groups Bank customer groups Marketing Team Bancassurance

EFU Life’s Branch Network Total Branches 157

EFU Life’s Bancassurance Partners

IT Infrastructure Product Illustration Software Robust Life Insurance Administration system Product Illustration Software Remote access through VPN connectivity Call Center: Client servicing and support Upgraded Website: Client Portal, Online premium payments SMS access for sales force Mobiz II: two way communication via SMS shortcode 9898 IBM FileNet for paperless environment Point of Sale system (successful launch in multiple banks) Qlikview: Business Intelligence Tool Algo Financial Modeler (formerly VIPitech from Towers Watson)

EFU Life Award& Accolades 2009-2015

2015 Karachi Stock Exchange Top 25 Companies Award 2013 EFU Life Assurance based on a comprehensive criteria, which includes Dividend Payout, Capital Efficiency, profitability, Free Float of Shares, Transparency & Investors Regulation and Compliance with Listing and SECP regulations.

2014 Best Corporate Report Award 2013’ Non Banking Financial Institutions Category by ICAP, and ICMAP for best presented best presented accounts, improvement in transparency, accountability, and governance. Certificate of Merit’ by South Asian Federation of Accountants (SAFA) Best Presented Accounts 2013 in the insurance sector, within the South Asian countries.

2014 Brand of the Year Award 2013’ Best Life Insurance Company by Brands Foundation, based on current years market standing and consumer preference. Consumer Choice Award 2013’ Best Life Insurance Company in Pakistan for the 6th consecutive time from Consumer Association of Pakistan, for excellence in management practices and service quality. Corporate Excellence Award’ by Institute of Cost & Management Accountants of Pakistan (ICMAP) Company’s commitment to quality, maintenance of highest professional standards and the passion to achieve excellence in all spheres of its activity.

2014 Certificate of Excellence’ Banks & Insurance category by Management Association of Pakistan for 6th consecutive time, for excellence in management practices. CSR Business Excellence Award 2015 International CSR Summit by National Forum for Environment and Health (NFEH)

2013 Winner of 29th Corporate Excellence Award 2012 5th consecutive year in the category of “Best Life Insurance Company of Pakistan "by Management Association of Pakistan. EFU Life Annual Report ranked in Top 5 in the “Best Corporate Report(BCR) Award 2012” Non Banking Financial Institutions category conferred by a joint committee of the Institute of Chartered Accounts of Pakistan(ICAP) and Institute of Cost & Management Accountants of Pakistan(ICMAP). Nominated from Pakistan to compete for South Asian Federation of Accountants (SAFA) Best Presented Accounts 2012 in the insurance sector.

2013 Winner of “8th Consumers Choice Award 2012” for the Best Life Insurance Company by Consumers Association of Pakistan. Winner of ‘Leadership Excellence Award 2013 by ICMA Pakistan Nominated for “Brand of the Year” for Best Life Insurance Company of 2013 by Brands Foundation Winner of “CSR Business Excellence Award 2012” in the 5th International CSR Summit, organized by National Forum for Environment & Health (NFEH).

2013 Winner of “Putting the Consumer First Award 2012” Corporate Social Responsibility by Helpline Trust Winner of Best CEO Award Life Insurance sector conferred by a joint committee of KSE, LSE. ISE and FPCCI Reaffirmed ISO 9001:2008 Certification “Insurer Financial Strength” rating upgraded to ‘AA’ (Outlook: Stable) by JCR-VIS Credit Rating Company Limited

2013 28th Corporate Excellence Awards 2011 In the category of “Best Company of Pakistan” in the overall financial sector, by Management Association of Pakistan. “Putting the Consumer First Award 2011” Helpline Trust in the 6th National Conference. 6th Corporate Social Responsibility “National Excellence Award 2011” Help International Welfare Trust and CSR Association of Pakistan. The “Global CEO Excellence Award” Global Media Links and Business Milestones for being the Best CEO in the category of Insurance Industry.

2013 The”7th Consumers Choice Award 2011” The Best Life Insurance Company by Consumers Association of Pakistan. The “HR Excellence Award (Insurance Sector)” Collaborative effort of The Global Media Links and Business Milestones. Reaffirmed ISO 9001:2008 Certification “Insurer Financial Strength” Rating of AA- (Outlook: Stable) reaffirmed by JCR-VIS Credit Rating Company Limited

2012 25th, 26th & 27th Corporate Excellence Award Management Association of Pakistan First National Achiever’s Award The “Best Life Insurance Company” in the private sector Consumers Choice Award Best Life Insurance, 2008, 2009, 2010 and 2011 by Consumer Association of Pakistan Corporate Social Responsibility Award 2007 & 2008,2009, 2010, 2011 by Helpline Trust Only Life Insurance Company upgraded to ISO-9001:2008 Certification

2012 4th,5th & 6th CSR National Excellence Award 2009, 2010 & 2011 by Help International Welfare Trust. “Insurer Financial Strength” Rating of AA- (Outlook: Stable) reaffirmed by JCR-VIS Credit Rating Company Limited Brand of the Year Award 2010 by Brands Foundation Global CEO Excellence Award 2011 The Global Media Links and Business Milestones

2011 25th, 26th & 27th Corporate Excellence Award Management Association of Pakistan Among 25 Top Companies, 2007 by Karachi Stock Exchange First National Achiever’s Award The “Best Life Insurance Company” in the private sector Consumers Choice Award Best Life Insurance, 2008, 2009 and 2010 by Consumer Association of Pakistan

2011 Corporate Social Responsibility Award 2007 & 2008 by Helpline Trust 4th & 5th CSR National Excellence Award 2009 & 2010 by Help International Welfare Trust. Only Life Insurance Company upgraded to ISO-9001:2008 Certification The only entity in the life insurance industry with an “Insurer Financial Strength” rating – now upgraded to AA- (Outlook: Stable) by JCR-VIS Credit Rating Company Limited

2010 25th & 26th Corporate Excellence Award Management Association of Pakistan Among 25 Top Companies, 2007 by Karachi Stock Exchange First National Achiever’s Award The “Best Life Insurance Company” in the private sector Consumers Choice Award Best Life Insurance, 2008 and 2009 by Consumer Association of Pakistan

2010 Corporate Social Responsibility Award 2008 by Helpline Trust 4th CSR National Excellence Award 2009 Help International Welfare Trust. Only Life Insurance Company upgraded to ISO-9001:2008 Certification The only entity in the life insurance industry with an “Insurer Financial Strength” rating – now upgraded to AA- (Outlook: Stable) by JCR-VIS Credit Rating Company Limited

2009 25th Corporate Excellence Award Management Association of Pakistan Among 25 Top Companies, 2007 by Karachi Stock Exchange Corporate Social Responsibility Award 2008 by Helpline Trust Consumers Choice Award for Best Life Insurance, 2008 by Consumers Association of Pakistan

2009 Only Life Insurance Company to have ISO-9001 Certification The only entity in the life insurance industry with an “Insurer Financial Strength” rating – now upgraded to AA- (Outlook: Stable) by JCR-VIS Credit Rating Company Limited Launch of extensive media campaign - TV, Radio, Print……. Zaroori Hai

Thank You!