Accounting Finance Div. Investment Dept. Management Div. Policy Admin Div. IT Div. MONTHLY REPORT

LOGO Accounting Finance Div..

LOGO 2012 business result ITEMS ActualBudget Variance % Budget % Total Total income 250,358442,548(192,191)57% Premium collections 118,657309,048(190,390)38% 47% Investment income 130,148132,628(2,481)98% 52% Others 1, % 1% mil

LOGO 2012 business result ITEMS ActualBudget Variance % Budget % Total Total Expense 256, ,338 (253,955) 50% Direct and sales 131, ,852 (241,348) 35% 51% Investment % 0.21% Management 124, ,091 (12,763) 91% 48% mil Loss (before tax) : 250, ,383 = 6,025 mil VND

5 Investment Asset Allocation Investment Result Gov. Bonds: Ave. yield 13.5%; Duration 4.9y Gov. Bonds: Ave. yield 13.5%; Duration 4.9y VND TD: Ave. rate 11.5%; Tenor: 3.7y VND TD: Ave. rate 11.5%; Tenor: 3.7y USD TD: Ave. rate 2.5 % ; Tenor: 0.1y USD TD: Ave. rate 2.5 % ; Tenor: 0.1y Cash/DD: Ave. rate 1.5% Cash/DD: Ave. rate 1.5% Most of our investment income comes from the long term Government Bonds. Weighted average yield is around 12.6%. We achieve 11 billion VND Investment Income every month. Portfolio: VND1,026 billion VND TD (32.7%) Gov. Bond (65.6%) USD TD (1.3%) Note: As of Sep. 19 th

L/O/G/O MONTHLY MEETING January 2013 HR Report

THIS MONTH REVIEW package of group insurance  Participant:  Personal accident insurance: All employees after 02 months of probation  Health insurance:  Manager level: 01 year seniority  Staff level: 02 year seniorities  Coverage: The same last year coverage  New additional issue: Allow employee to purchase for family members

THIS MONTH REVIEW 2. Employee Rotation Policy  Background of Rotation Policy:  Employee rotation is one of the typical working cultures at parent company. In Vietnam, our company has been doing business for more than 4 years. There are some of our employees having some certain years working in one department already. Therefore, it is time for us to apply the employee rotation policy.

THIS MONTH REVIEW 2. Employee Rotation Policy (cont.)  Benefits:  For employees: expand the employee’s career path, keep away from boredom and complacency of routine tasks, increase the employee’s creativeness.  For company: deploy employee’s capability and increase employee working effectiveness and productivity.  2013 Employee Rotation Plan: Plan to be effective in February 2013

THIS MONTH REVIEW Year-end bonus payment  The bonus is calculated based on average salary of period: from Dec to Nov  The granting month is calculated based on the performance evaluation regulation.  Co-efficiency ratio: based on the term of service  The calculation formula: Year-end bonus = Monthly average basic salary x Co-efficiency ratio x Granting month.  2012 Year-end bonus granting date: January 25, 2013

1.Apply employee rotation plan 2.Proposal for employee salary review & promotion NEXT MONTH PLAN

L/O/G/O MONTHLY REPORT January 2013 GENERAL AFFAIRS DEPT.

A.OFFICE BUILDING INFORMATION  The World Center: Internal memo ref. Security control  For staffs: o Wear name-tags in office during working time o Glass entrance doors 7F, 8F, 10F closed all the time. Only staffs can access to those office areas by magnetic cards. Anyone not provided a magnetic card so far, please contact HR Dept. o For property safety and power cost saving, during lunch time and when working time is over, last staff leaving office, please remember to turn off air- conditioners, lights and lock the doors.

A.OFFICE BUILDING INFORMATION  The World Center: Internal Memo ref. Security control (cont’d)  For visitors (Agents, Clients, suppliers, others): o Guards ask them to wear “Visitor” tags during their stay. Before leaving, they returns tags and get back personal papers from Guards. o Visitors should contact Receptionists on 9F for help. Related staffs will be informed to receive their guests. o For VIP visitors, related staffs should call to inform Guards or get down GF to accompany those visitors getting in the office.

B.NEXT MONTH PLAN  Cooperate with IT Div. to improve Asset Management System  Revise and apply stationery ordering process to control cost better  Set up SOP of clearing off un-used furniture / assets kept in warehouses (internal/external sales, cooperate with PR Dept. to donate to charity foundations,...)  Renew Lease contract of The World Center.

L/O/G/O MONTHLY REPORT January 2013 LEGAL DEPT.

LEGAL NEWS Law on CIT & Law on VAT Law on enterprises & Law on investment Circular on managing using fund for protection of the insured Circular on guiding accounting in life insurance enterprises Circular on guiding selling insurance business via bank channel New policies New regulations will be issued in 2013 relating to operations of the company

LEGAL REVIEW Supplementing the charter capital in 2013 The charter capital will be increased from next month from 60,000,000 USD to Contents of the company charter related to charter capital will be revised to submit to the MOF 110,000,000 USD

21/01/2013

Working month7th8th9th10th11th12th13th New cases received Issued ratio92.4%92.5%92.3%93.0%94.8%92.9%94.2% Agent Cases Agent Cases %15.8%18.5%20.7%20.5%24.6%20.0%20.1%

UW Index12th13th01st02nd03rd04th05th06th07th08th09th10th11th12th13th CFS within 14 days

PREMIUM REPORT

Time: 3 months 2013/01/01 – 2013/03/31 Content: 1.During program time, customers submit premium ≥ 2Mvnd via VNPT or Sacombank can get a Cathay lunch box 2.Agents or Collectors collect 6 gift vouchers also change a Cathay lunch box Content: 1.During program time, customers submit premium ≥ 2Mvnd via VNPT or Sacombank can get a Cathay lunch box 2.Agents or Collectors collect 6 gift vouchers also change a Cathay lunch box Purpose: Increase premium collection efficiency via VNPT and Sacombank

Time: 3 months 2013/01/01 – 2013/03/31 Content: 1.During program time, Agents or Collector reinstate success 1 case will get bonus: 3% * PREMIUM 2.Collectors reinstate competition: A.Collector get reinstate excellent of month: Bonus 1.2M (Rank1), 1.0M (Rank2), 0.8M (Rank3) A.Collector get reinstate excellent of quarterly: Camera SONY Cypershot 3.Collectors team reinstate competition: Divided group competition, winner teams can join Gala dinner Content: 1.During program time, Agents or Collector reinstate success 1 case will get bonus: 3% * PREMIUM 2.Collectors reinstate competition: A.Collector get reinstate excellent of month: Bonus 1.2M (Rank1), 1.0M (Rank2), 0.8M (Rank3) A.Collector get reinstate excellent of quarterly: Camera SONY Cypershot 3.Collectors team reinstate competition: Divided group competition, winner teams can join Gala dinner Purpose: Increase reinstatement efficiency.

POS REPORT

Unit 12th Issue case Not-taken case Ratio (%) case Premium case values Ho Chi Minh Total ,668, ,378,0005.5% Ha Noi Total ,444, ,565,0004.5% Da Nang Total ,423, ,680,0002.0% Can Tho Total 11 42,794, % Dong Nai Total 252 1,660,370, ,241,0005.6% Hai Phong Total 5 36,019, % GA BenTre ,390, ,991, % Dummy Branch % GRAND TOTAL 485 2,875,027, ,855,0006.1% 2. Not-taken ratio in 12 th wkm Target %

3.Monthly Suspend cases report – 2012

4. Monthly Suspend cases report – 2012 MONTHLYJanFebMarArpMayJunJulyAugSepOctNovDecTotal HCM DN CAN DONG NAI HAI PHONG Dummy Branch 196 Total HANOI

January Monthly Report

Reduce F.A Function Non- Renewal Notice Letter Attendan ce Data Checking Product Sales Analysis Labor Contract Function Support A07 promotion SMART SYSTEM

L/O/G/O Thank You!