UNIVERSAL SOMPO GENERAL INSURANCE CO LTD

1. UNIVERSAL SOMPO GENERAL INSURANCE CO LTD COMPANY PROFILE Universal Sompo General Insurance Co Ltd

2. Profile ◆Name ：　Universal Sompo General Insurance Company Ltd. (USGI) ◆Registered ： 310-311, Trade Centre, Opp. MTNL Bldg, BandraKurla AddressComplex. Bandra(East), Mumbai - 400051 ◆Capital 　：　Rs. 235 crores ◆Directors 　：　Executive Chairman Mr O.N. Singh Managing Director Mr Koichi Hattori ◆Incorporated: 5th January 2007 ◆Business ： General Insurance in India including reinsurance ◆Shareholders Allahabad Bank (National)30％ Indian Overseas Bank (National) 19％ Karnataka Bank (Private)15％ Dabur Investment 10％ Sompo Japan Inc26％ Delhi Kolkata Mumbai Chennai Mangalore Universal Sompo General Insurance Co Ltd

3. Shareholding Pattern Universal Sompo General Insurance Co Ltd

4. Allahabad Bank Dabur Delhi Kolkata Bhopal Mumbai Hyderabad Karnataka Bank ・ Indian Overseas Bank Mangalore Bangalore Chennai Profile of our Bank Partners As on 31st March 2009 Indian Overseas Bank Allahabad Bank Karnataka Bank Banks Status Public Sector Public Sector Private Sector Asset 97,648 Cr. 22,857 Cr. 1,21,020 Cr. Ranking 14 08 41 Kolkata Chennai Mangalore Head office 2278 2005 447 Branches Equity Stake 30% 19% 15% Dabur Investment share 10%, 4th largest FMCG in India with 1.5 million retail outlets. Universal Sompo General Insurance Co Ltd

5. USGI - Regional & Branch Network & the Future Plans Regional Office Branch Office Upto 30th September 09 35 25 33 12 Branch Offices to open Before 31st Mar 10 20 26 23 19 28 22 13 21 24 39 37 11 8 38 5 7 10 4 9 40 29 1 6 12 HO 30 16 2 31 34 32 15 14 36 17 18

6. Why choose Universal Sompo ? • Strong lineage of financial giants with proven track record. Only company in the country with public / private partnership • Pan India distribution and servicing capability • World class services and products • Competitive prices • Simple worded, easy to understand policy documents, terms and conditions USGI & Dabur India Business Proposal 2009 - 2010

7. Our Existing Clientele • Airports Authority of India • Amity International • AparnaaSarees • Bridgestone India • Bhushan Steel Limited • Bush Foods Overseas • Cabcon India • Canon India Pvt Ltd • Dabur India • DOW Chemical • Euronet Services India • Groz Engineering • Health Education Society • Hitachi Group • Honda Siel Cars India • Planet M • Monnet Ispat & Energy Ltd • Neo Metallics • Orient • Jaquar • Jindal Steel & Power Ltd • Manali Petrochemicals • Mizuho Corporate Bank • Minda Furukawa Electric • Noritsu Koki • NSK - ABC Bearings • PSL Limited ( Punj House Group) • Renault Nissan Technology • RIIMS • Suzuki Motor Cycle India Pvt Ltd • YKK India • Yutaka Autoparts India • Reliance Industries Ltd • JSL Ltd • Himadri Chemicals • ANE Industries • Webel SL Energy Systems Ltd

8. Bancassurance – Growth Story • Existing Tie-Ups • Indian Overseas Bank • Allahabad Bank • Karnataka Bank • Lucknow Kshetriya Grammin Bank • Triveni Kshetriya Grammin Bank • Sharda KGB • MP APEX Bank • Rajasthan State Co-Operative Banks • Rajasthan Finance Corporation • Jhalawar Sahakari Land Development Bank • In Pipeline • Pandiyan KGB, Nilanchal KGB, Survodaya Co-Op Bank. Mumbai Distt Co-Op Bank • We are in talks with other 50 SCB’s and 1 Major PSU Bank for Corporate Tie-Up Universal Sompo General Insurance Co Ltd

9. RETAIL MARKETING - PERFORMANCE (FY 09-10 ) • Agency • A Team of more than 317 active Agents and 200 under training. • Motor Dealer • Tie up with around 578 Motor Dealers(Which includes all Brands/models available in the country) PAN India – Out of which 418 are already active & contributing sound premium, other under initial process of the tie-ups • Auto Manufacturer Tie-Up • In addition we have PAN India manufacturing Tie-Up with Honda Siel Cars India Pvt Ltd and are in advanced stages to tie-up with 2 Major Japanese Auto Manufacturers PAN India. • Marketing Executives • An effective team of around 278 ME’s PAN India selling and promoting USGI Products. Universal Sompo General Insurance Co Ltd

10. Our Services I All Customers: 24×7 Toll free Web enabled service platform – customer guidance, product brochures, claim forms, process, dos and donts, FAQs Cashless claims settlement – motor, health, SME Pan India network of service providers – surveyors and TPA Managed care partners – quality screened repair workshops, hospitals, builders, plumbers, white goods dealers Minimal documentation, easy processes Value added services – road side assistance, valet service (motor claim), self-attested documents, health check-up Information over SMS – surveyor deputation, claim approval, policy renewal

11. Our Services II Corporate Clients Dedicated Account Manager Direct access to senior management team at the Regional and Corporate Office Risk Inspection, portfolio advisory services, Business Continuity Planning MOU with pre-agreed service standards Facility for eMarine, eTravel and eMotor Panel of surveyors and pre agreed documentation On-account payment in case of large losses Post loss Advice on loss prevention & minimization Employee education and awareness programs

12. Our Service Standards l Response Time 3 rings for phone pick-up 3 hours for returning phone call 1 working day for written communication Policy Issuance 5 days of receipt of complete information 3 working days for endorsements, refunds, cancellations Complaints Revert within 1 working day Resolution within 3-7 working days

13. Claims Service Standards Universal Sompo General Insurance Co Ltd

14. USGI Growth Story & the Road Ahead 2011-12 Capture 1.5% share 2010-11 Capture 1% market share Launch of OTC products March 2010 Front Office Motor/Travel Solution April2009 Motor Dealer Tie up Model Starts Stepping Up Retail Lines (Motor & Health) INR 49 Crores GWP Achieved March 2009 Karnataka Bank Tie up Starts Infrastructure Building 17 offices pan India Jan 2009 Focus on Bancassurance Dec 2008 IOB Tie up starts Nov 2008 Allahabad Bank tie-up starts Universal Sompo General Insurance Co Ltd

15. THANKYOU Universal Sompo General Insurance Co Ltd