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POLICY ADMIN - May 2011

Contents

1. Underwriting Section

2. POS & Claim & CS Section

3. Premium Collection Section

4. Plan in Q2

Policy Admin

1. Underwriting section

Incomplete ratioTarget

4.5%

Index 1st-2011 2nd-2011 3rd-2011 4th-2011

Due to non UW UW total non UW UW total non UW UW total non UWUW total

HCM 5.4% 9.7% 2.0% 6.1% 2.8% 9.9% 5.1% 15.4%Dong Nai 1.6% 3.9% 2.5% 10.1% 3.3% 4.6% 3.1% 7.9%Ha Noi 5.1% 8.6% 7.3% 10.7% 7.0% 12.4% 13.8% 18.3%Da Nang 0% 0% 0% 0% 0% 2.9% 0% 0%Can Tho 0.6% 3.2% 0% 0.8% 1.4% 5.7% 0% 4.5%Hai Phong 8.4% 13.4% 0% 3.7% 6.1% 10.3% 4.6% 10.8%Total 4.3% 7.8% 4.6% 8.0% 4.7% 9.5% 8.8% 14.0%

Confirmation slip (CFS) returnTarget

96.5%

UW Index 12th 13th 1st - 2011 2nd - 2011 3rd - 2011 4th - 2011HCM 97.4% 95.5% 93.9% 85.7% 96.6% 96.7%Dong Nai 95.7% 94.1% 80.3% 97.4% 99.3% 92.0%Ha Noi 94.4% 90.7% 57.0% 96.9% 97.6% 98.9%Da Nang 89.6% 98.0% 82.4% 100% 100% 100%Can Tho 99.0% 97.1% 91.9% 97.5% 96.1% 93.9%Hai Phong 92.1% 93.9% 96.9% 100% 100% 91.1%

Total 95.5% 93.5% 77.6% 96.2% 97.8% 96.3%

Policy Admin

2. POS & Claim & CS section

Not-taken ratioTarget

3.5%

Region 1st 2nd 3rd 4thHo Chi Minh 7.1% 3.1% 1.5% 2.4%Dong Nai 4.0% 4.1% 9.6% 6.4%Ha Noi 1.0% 2.2% 4.9% 4.3%Da Nang 0% 0% 0% 0% Can Tho 3.1% 1.3% 1.5% 4.2%Hai Phong 0.5% 1.8% 8.1% 6.0%Grand total 2.5% 2.3% 4.7% 4.4%

Call out result in AprilTarget

96%

Region Feb - 11 Mar - 11 Apr - 11Ho Chi Minh 100% 99.0% 99.0%

Ha Noi 99.6% 97.0% 98.3%

Da Nang 100% 100% 100%

Can Tho 100% 100% 99.0%

Dong Nai 100% 93.9% 97.5%

Hai Phong 100% 95.1% 93.1%Total 99.8% 99.4% 99.5%

SMS: Greeting client’s birthday

SupplierSending

cases

AprilSuccessful

sendingFailed

Case Ratio Case Ratio

Mobifone 263 263 33%    Viettel 370 370 46.5%    Vinaphone 143 143 18%    EVN 3     3 0.8%Sfone 5     5 0.6%VNM 7     7 0.9%Wrong number

4     4 0.5%

Total 795 776 97.6% 19 2.4%

Claim figure

Item2010 2011

Increase%Jan ~ Apr Jan ~ Apr

Basic plan 21.966 228.166 1038%

Accidental rider 0 47.107 -

Medical rider 5.250 27.650 526%

Total 27.246 302.923 1111%Explanation:Explanation:

1. Death cases and disability cases increase

2. Medical rider launched in March 2010 R04 claim payment increasingly

Unit: million dong

Policy Admin

3. Premium collection section

TIA checkingTarget

96.5%

Year TIA checking %

Unit/month2010 2011

13th 1st 2nd 3rd 4th 5th

Ho Chi Minh 94.8% 93.4% 97.8% 99.3% 96.8% 97.3%

Ha Noi 88.7% 81.9% 95.9% 94.0% 88.8% 97.0%

Dong Nai 88.9% 94.6% 100% 97.7% 100% 95.9%

Can Tho 100% 99.6% 99.0% 98.2% 99.5% 99.7%

Da Nang 98.6% 95.8% 99.3% 98.7% 97.3% 98.0%

Hai Phong 99.2% 96.4% 92.4% 98.2% 92.3% 98.0%

Company 93.3% 91.1% 97.3% 97.1% 94.6% 97.8%

Collection efficiencyTarget

65%

Region JanFeb

% +/-Receivable ActualCase Pre (M) Case Pre (M)

HCM 76.2% 472 877,571 397 683,544 81.0% 4.8%Ha Noi 42.9% 581 1,592,535 353 784,542 55.0% 12.1%Da Nang 58.2% 125 290,507 93 193,241 70.5% 12.3%Can Tho 50.5% 174 380,681 116 220,672 62.3% 11.8%Dong Nai 43.7% 39 92,707 29 73,705 76.9% 33.2%Hai Phong 100% 3 2,845 2 2,242 72.7% -27.3%Company 56.0% 1439 3,323,738 1032 2,025,869 66.3% 10.3%

Q2 Plan

Enhance customer service spirit2

Promotion gift for client register Auto-pay3

Staff salary deduction for premium payment4

1 UL product launching preparation5

Testing program for SC, BDO & SM11

Purpose Attendant Content Time &Gift

1. To check PA knowledge

2. To ensure they convey information correct

3. Motivate working spirit

SC user joins less than 6 months

All of BDO

Most of SM

Focus on Underwriting,

POS, Claim and Premium

50 questions/ test

3 different testing

Date: 15 ~ 30. Jun

Location: at SC

Sphere: nation wide

Gift: incentive bonus

SMS Development

Suspend policy Claim decision

Add value to clients

Enhance customer service spirit

Client’s birthday

01/04/11 01/06/11 01/06/11

Launch

ing

date

Purpose: pay premium via bank up to 5%

Time: from 01/5/11 to 31/10/11

Method: deliver poster to client

Client gets

1. Already existed account number in Sacombank

2. If not, client would open it with free of charge

Conditi

on

Process:Qualification:

Premium: Over 1 million on due date

Benefit:Discount 0.5% * total premium due date

Employee and Agent still workDeduction from their salary

Items Finished Progress

Review application form

Letter of customer’s rights

First premium receipt

Confirmation slip

Testing to input new cases

Top up testing

POS testing: loan, reduce FA, surrender,…

Claim testing: death, disability