1. 1 21313029282754321302931302928272625 262524232221202827262524232224232221201918 191817161514132120191817161517161514131211 1211109876141312111098 987654 543213029765432132130292827 SSFTWTMSSFTWTMSSFTWTM December 2010November 2010October 2010 543213130 321 292827292827262524231313029282726 2524232221202221201918171625242322212019 181716151413151413121110918171615141312 111098768765432111098765 54321313013130292827264321302928 SSFTWTMSSFTWTMSSFTWTM September 2010August 2010July 2010 65432131 432130292830292827262524213029282726 272625242322212322212019181725242322212019 201918171615141615141312111018171615141312 131211109879876543111098765 654321312130292827264321313029 SSFTWTMSSFTWTMSSFTWTM June 2010May 2010April 2010 432131302931302928272625 282726252423222827262524232224232221201918 212019181716152120191817161517161514131211 141312111098141312111098 987654 7654321765432132131302928 SSFTWTMSSFTWTMSSFTWTM March 2010February 2010January 2010 2010 HR Report November, 2010 HR Report November, 2010

2. 2 Whole Year Performance Review 2010 Yearly Annual Leave Plan Update Company’s Policies Organize Yearly Health Checking Plan For Year-end Party

3. 3 1 st Dec.09 ~1 st Dec.09 ~30Nov.,10 Who areWho are Qualified to work at least 6M service Starting from 15Nov ~ 25 Dec 2010 Self-evaluationSelf-evaluation Dept. Manager’sDept. Manager’sevaluation Dept. Director’sDept. Director’sevaluation Meeting withMeeting with BOD for result Final ReportFinal Report EvaluationPeriod ScheduleProcedure The result will be noticed to employees by individual

4. 4 1.Individual Plan For 2011: 15 ~ 25 Nov.10 2. Dept.Manager/ Director’s confirm: 25 ~ 29 Nov.10 Overdue on 30 Nov.,10 After the dead-line, system will auto arrange yearly plan for those employees haven’t complete his/her yearly annual leave plan. You will follow it for new year annual leave using new year annual leave using

5. 5 Performance Rating Regulation 2011 (English & Vietnamese Version) Leave Regulation (English & Vietnamese Version

6. 6 Completed all preparation & corporate with hospitals in each locations for employee’s health checking Completed all preparation & corporate with hospitals in each locations for employee’s health checking Check up date: Check up date: HCMC: 18 OR 25 Dec.10 OTHER: 4 OR 11 Dec.10

7. 7 Organizer: Acc.,Fin & Investment Dept. in HCMC Organizer: Rep. in Hanoi Organizer: Rep in Da Nang 1.HCM, Can Tho, Dong Nai Office 2. Hanoi & Hai Phong Office 3. Da Nang Office Plan date: within Jan. 2011 Supporter: HR Dept.

8. 8 NEXT MONTH PLANNING PROJECT

9. 9 Yearly Working Planning 2011 Performance Review Report Report Training Roadmap 2011

10. 10 SOME LABOR MARKET INFORMATION

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14. 14 FMCG: Fast Moving Consumer Goods

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19. 19 Market information survey What happened in the past year?

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21. 21 MONTHLY MEETING General Administration

22. 22 ENGAGED PROJECT THIS MONTH (GENERAL ADMIN) GA TASKS A. Office Building Information 1. TWC: - Advertising signboard at Ground Floor removed and - Advertising signboard at Ground Floor removed and destroyed as per request of PR. destroyed as per request of PR. - Directory board of Ground Floor re-made (Added Cathay - Directory board of Ground Floor re-made (Added Cathay non-life information in). non-life information in).

23. 23 ENGAGED PROJECT THIS MONTH (GENERAL ADMIN) Directory board

24. 24 ENGAGED PROJECT THIS MONTH (GENERAL ADMIN) GA TASKS A. Office Building Information 2. Norch: - Got back construction deposit from - Got back construction deposit from the landlord. the landlord. - Asked the landlord to adjust the lights and air- - Asked the landlord to adjust the lights and air- conditioners in CS’s area. conditioners in CS’s area. 3. Binhthanh house (Agency HCM2) - 3FL projector lost and compensated by the security - 3FL projector lost and compensated by the security company and related region and persons. company and related region and persons.

25. 25 ENGAGED PROJECT THIS MONTH (GENERAL ADMIN) GA TASKS A. Office Building Information 4. 167 Bui Thi Xuan – Hanoi branch - Chief of Region’s room, CS and collector’s area - Chief of Region’s room, CS and collector’s area adjustment. adjustment. - Successfully negotiated with the landlord about - Successfully negotiated with the landlord about security service fee (nearly 3 million vnd saved for the security service fee (nearly 3 million vnd saved for the company per month). company per month).

26. 26 ENGAGED PROJECT THIS MONTH (GENERAL ADMIN) CS & Collector’s area

27. 27 ENGAGED PROJECT THIS MONTH (GENERAL ADMIN) GA TASKS A. Office Building Information 5. Ladeco agency office (Hanoi): - 6 BM rooms installation completion on 22 Oct’2010. - 6 BM rooms installation completion on 22 Oct’2010.

28. 28 ENGAGED PROJECT THIS MONTH (GENERAL ADMIN) New 6 BM rooms

29. 29 ENGAGED PROJECT THIS MONTH (GENERAL ADMIN) GA TASKS A. Office Building Information 6. Grand agency office (Hanoi): - New rental price will be applied from 1 st Dec’2010 - New rental price will be applied from 1 st Dec’2010 (Reduced 3 usd/m2, monthly saving 1,291.50 usd). (Reduced 3 usd/m2, monthly saving 1,291.50 usd). BeforeAfter Usd/m2Monthly rentalUsd/m2Monthly rental 27.5 11,838.7524.5 10,547.25

30. 30 ENGAGED PROJECT THIS MONTH (GENERAL ADMIN) GA TASKS B. Other projects: Desk calendar delivery on 16 Nov’2010.Desk calendar delivery on 16 Nov’2010. Notebook 2011delivery on 20 Oct’2010. Notebook 2011delivery on 20 Oct’2010. Regulations on a floor plan for construction.Regulations on a floor plan for construction. Car rental survey for Cantho. Car rental survey for Cantho. New postal service for Haiphong branch.New postal service for Haiphong branch. Golden logo tree for Planning Department.Golden logo tree for Planning Department. Viettel compensated for our lost packages.Viettel compensated for our lost packages. Liquidation contract for construction of Haiphong, 167 BTX (Hanoi), 4FL of Binhthanh.Liquidation contract for construction of Haiphong, 167 BTX (Hanoi), 4FL of Binhthanh.

31. 31 ENGAGED PROJECT THIS MONTH (GENERAL ADMIN) 2011 desk calendar

32. 32 ENGAGED PROJECT THIS MONTH (GENERAL ADMIN) GA TASKS B. Other projects: 9. System of Punishment and Award on electricity consumption. I/ Punishment: If the current consumption is over 15% of the average: a.At the first time of a year: a report will be required to explain the reason of increasing and the practical method to improve it as well. The electricity checking result will be sent to related person.

33. 33 ENGAGED PROJECT THIS MONTH (GENERAL ADMIN) GA TASKS B. Other projects: b. Three consecutive times: without a reasonable explanation, a warning letter of neglectfulness on management will be sent to related persons. P/s: If the electricity control situation does not improve, it is subject to consider deducting the regional operation fund of the specified region in the future.

34. 34 ENGAGED PROJECT THIS MONTH (GENERAL ADMIN) GA TASKS B. Other projects: II/ Award: If the current consumption is lower than 10% of the average, the part lower than 10%, and 40% of the difference amount will be rewarded to the operation fund as cost saving award which is based on the below formula. (A% - 10%) * B * 40% (A% - 10%) * B * 40%Note: -A%: percentage increasing/decreasing -B: The difference between the average amount and the current month one.

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37. 37 ENGAGED PROJECT THIS MONTH (GENERAL ADMIN) GA TASKS Comments: GA set the system of punishment & reward on power consumption. Therefore, agency side please kindly pay more your attention on power saving.GA set the system of punishment & reward on power consumption. Therefore, agency side please kindly pay more your attention on power saving. Grand dropped down 33% to compare with Aug’2010. However, Binhthanh, Hanhphuc and Dongnai increased a little bit.Grand dropped down 33% to compare with Aug’2010. However, Binhthanh, Hanhphuc and Dongnai increased a little bit.Reason: -The weather temperature dropped. -Agency side pay attention to electricity saving program.

38. 38 NEXT MONTH PROJECT PLAN (GENERAL ADMIN) GA TASKS 1.Physical check for fixed assets in Head office, branches and agency offices continuously. 2. An annex of rental area and expenses sharing with Cathay non-life (8FL – 167 BTX Hanoi). 3. Car rental in Cantho. 4. Negotiating with TWC’s landlord about 2011 maintenance fee. 5. Negotiating continuously with Sacombank Haiphong landlord about our advertising billboard.

39. 39 MONTHLY REPORT NOVEMBER, 2010 Legal Department MAIN TASKS & NEW LEGAL DOCUMENT

40. 40 Main tasks This month: ► Terms & Conditions:  D01 - Loan protection &  D01 - Loan protection & A05 - Accidental Endowment -> explain some articles as MOF’s request.  C10, C11, C12 (new products): in progress

41. 41 Main tasks This month: ► Legal counsel:  Provided legal advices regarding to: +Internal auditors regulations; +Employee terminates labor contract without noticing in advance; +Cooperate with non-life to buy products.

42. 42 Main tasks This month: ► Legal counsel:  Q&A from Marketing Dept.: regarding to: + Model of General Agent office; + Agreement with BM.  Q&A from Premium Dept.: regarding to: + Report a crime to police.

43. 43 Main tasks This month: ► Legal counsel:  Q&A from AA Dept. regarding to: + Registration Form of Agent; + New procedures applied for agent.

44. 44 Main tasks This month: ► Legal counsel:  Haiphong branch’s issue: regarding to electrical leakage;  Bui Thi Xuan building’s issue: regarding to security fee;  Binhthanh building’s issue: regarding to losing projector.

45. 45 ► Legal counsel (cont.):  Self-assessment on Legal compliance procedure for the second half of 2010. Deadline: 01 Dec 2010. ► Review & revise contracts Main tasks This month:

46. 46  Legal counsel:  Terms & Conditions: - Follow up: D01, A05, C10, C11, C12  Charter (the 2 nd time of amendment) & Make approval for amendment to The Charter;  Make approval for Self-assessment on Legal compliance procedure. Main tasks Next month

47. 47 MOF has enacted Circular No. 148/2010/TT-BTC dated 24 September 2010 on anti-money laundering in the fields of insurance, securities and games with prizes in Vietnam. MOF has enacted Circular No. 148/2010/TT-BTC dated 24 September 2010 on anti-money laundering in the fields of insurance, securities and games with prizes in Vietnam. In accordance with this Circular, insurance business has to make The Internal regulation on anti-money laundering, and send yearly report to Department of Anti – money laundering under Inspection Agency and Insurance Management & Supervision Department. This Circular shall be applied from 10 November 2010. NEW IMPORTANT LEGAL DOCUMENT

48. 48 Legal Department