1. LOGO POLICY ADMIN - Nov 2011

2. Contents Department reports Activities of this month Plan for next month

3. Policy Admin Department reports

4. Incomplete ratio - Non UW Target 4.5% Year1 st 2 nd 3 rd 4 th 5 th 6 th 7 th 8 th 9 th 10 th 20114.3%4.6%4.7%8.8%4.0%2.2%4.3%3.2%2.6%4.8% 20106.2%6.0%5.3%2.8%1.3%2.1%4.2%6.5%5.6%4.1%

5. Confirmation slip (CFS) return Target 96.5% Working month 1 st 2 nd 3 rd 4 th 5 th 6 th 7 th 8 th 9 th 10 th 2011 77.6%96.2%97.8%96.3%97.7%96.9%97.7%96.2%95.5%95.4% 2010 95.0%87.0%98.1%95.4%94.6%97.0%96.2%95.1%93.3%92.0%

6. Not-taken ratio Target 3.5% Region 7 th 8 th 9 th 10 th Ho Chi Minh2%2.9%3.4%5.6% Dong Nai6.1%4.8%4.3%5.7% Ha Noi3%4.7%3%5.3% Da Nang6.9%1.4%0.7%10% Can Tho6.4%5.1%8%12.7% Hai Phong4.3%3.3%3%4.1% Grand total4%4.3%3.6%6.3% 1.Agent resigned 2.Financial difficulties

7. TIA checking Target 96.5% Region11 th 12 th 2011 +/- Checkable case Uncheck case Ratio Ho Chi Minh96.0%3712393.8%-2.2% Ha Noi76.6%6373494.7%18.1% Da Nang97.1%145298.6%1.5% Can Tho94.9%3841296.9%2.0% Dong Nai94.7%81460 92.6% -2.1% Hai Phong95.5%1711293.0%-2.5% Company89.5%252214394.3%4.8%

8. Collection efficiency Target 65% RegionJul Aug %+/- ReceivableActual CasePre (M)CasePre (M) HCM73.6%741 2,311,144551 1,623,74372.2%-1.4% Ha Noi51.1%9934,040,4955641,697,79349.4%-1.7% Da Nang68.3%232855,160148475,99059.7%-8.6% Can Tho50.6%264763,739143294,68846.4%-4.2% Dong Nai40.3%130463,45255183,53241.0%0.7% Hai Phong42.5%2939,8021624,69758.6%16.1% Company59.3%24468,619,87715244,428,95956.8%-2.5%

9. Policy Admin Activities in Nov. 11

10. Premium Collection progress via VNPT Div Period ( from 01/11/11 to 23/11/11) This month casesVN Post ReceivableActualCase Applied % receivable % actual Ho Chi Minh 1,263 476 161.3%3.4% Ha Noi 1,789 371 171.0%4.6% Da Nang 289 70 10.3%1.4% Can Tho 573 130 10.2%0.8% Dong Nai 348 72 61.7%8.3% Hai Phong 221 24 52.3%20.8% Head Office 4,483 1,143 461.0%4.0%

11. Purpose: increase premium collection rate Time: 2 months - from 01/11/11 to 31/12/11 Method: deliver poster to client Client gets: BIG PRIZES 1. Policy owner paid renewal premium via VNPT 2. More times you paid, more opportunities you get Condition

12. PrizeGiftQty (pax) 1 st LG TV 32”01 2 nd Microwave oven03 3 rd Juicer03 4 th Pressure - cooker05 5 th Electric iron10 1 1 3 3 5

13. Orphan Policy Assignment Regulations Service agent Get 50% commission Collector Agent collector Get 50% commission Orphan Policy Premium collection dept and CRD are responsible for this task

14. PrizeConditions Qty. Benefits Sapphire Policy in-forced ≥ 1 year Premium accumulate > 35 mil 86Voucher 200k Ruby Policy in-forced ≥ 2 years Premium accumulate > 35 mil 19Voucher 500k Diamond Policy in-forced ≥ 3 years Premium accumulate > 35 mil 11 1.Voucher 500k 2.Free checking ME Total116

15. ItemsCurrent rulesSpecial campaign Favorable condition Policy suspendedSuspension & lapsed cases Waive interest 1. Suspended ≤ 6 months: no interest of overdue premium 2. Suspended ≥ 6 months: interest of overdue premium 3. Interest of APL and loan 1.No interest of overdue premium for all cases 2.Interest of APL and loan No ME Suspended ≥ 6 months: must ME Suspended < 12 months: no need

16. Enhance Customer Service Spirit Greeting Card Delivery Add value to clients Happy Lunar New Year Coming Annual Statement via VNPT

17. Q4 Plan Create objectives and set up target in 2012 2 Analysis orphan policy assignment 3 Implement VIP customer plan 41 Follow up annual statement plan 5 Review plans and target in 2011 11