Part 1

Business Operation

1. Policy and Business Overview

Thaivivat Insurance Public Co., Ltd. has operated general insurance
business for more than 60 years serving

Thai society by offering variety of insurance products along with
quality services on the basis of transparent management, having good
governance, and strengthen financial status. Our company focuses on
being a stable insurance company for Thai people. We have an asset
management as sufficiently reserve money both for

the debt and insurance contract obligation including Risked-Based
Capital Maintenance according to the law. Therefore, we have a strong
financial status for serving people. Moreover, we choose the risk
management efficiently by focusing on quality underwriting together with
competitive strategic adjustment by finding new marketing channels
through the counter services or online. Simultaneously, we consider the
people requirements by developing good insurance products and services.
Besides the transparent management with corporate governance principle,
our company also has participated in the Social Benefit Projects without
expecting any profit such as, Micro-Insurance Project which is focused
on giving insurance services with easy-to-access price for people and
Rice Insurance Project with the government since 2011 which has been
created income stability for farmers.

There are 3 things of the company goal in operation : 1) Develop the
company to have a strong financial status and management with good
governance. 2) Develop valuable products to reduce risk and to alleviate
properly people loss or damage. and 3) Develop standard service and
create satisfaction fairly to our customers and partners. The company
has the 2015 policy to adjust the update reorganization, to increase the
services flexibility as well as to adjust branding of former branches
and new branches expansion to services intimacy including special
economic zones of border trade.

2. Nature of Business

(1) Company background

  8 October 1951 Registered to establish company with paid registered
  capital as 10 Million Baht in the name of Thaivivat Insurance Co.,
  Ltd. with the purposes to operate non-life insurance business which
  primarily the company took only Fires Insurance and Marine Insurance.
  The head office was located at 2nd Floor B.L.Hua building,

  Wat Tuek Intersection, Bangkok with 9 company founders as following :-

1.  Captain Somwang Sarasarn

2.  Mr. Wai Wongtrakul

3.  Mr. Siwa-aut Assawakiat

4.  Mr. Kasem Pangsriwong

5.  Mr. Ma Chunleng (Mr. Preeha Assawaintra)

6.  Mr. Changtang Sae Bae (Mr. Sermsak Assawatorn)

7.  Mr. Thong Assawarak

8.  Mr. Tingkiang Sae Bae (Mr. Yon Assawathanakul)

9.  Mr. B L Hua or Mr. Luehua Sae Bang

  1973 To get the licensed Non-Life Insurance No.8/2516 issued by
  Insurance Office, Ministry of Commerce.

  1974 To expand business of Motor Insurance and moved the head office
  from B.L.Hua Building to Tinnakorn Building Suriyawong Road Bangkok.

  1975 To Open the Miscellaneous Insurance Department and provided for
  professional to be in charge of the operation. Meanwhile, the company
  expanded the business of various investments.

  1980 For the rapid expansion, the company brought the computer system
  to be used in the organization for developing Information Technology
  System which was the crucial factor of management work in the present
  and expanded the Service Center to many provinces surrounded Bangkok
  for customers convenience such as Chonburi , Ratchburi, Saraburi and
  Nakornratchasima provinces.

  1984 To Lease the radio broadcast frequency from CAT Telecom to take
  the modern technology for efficiency use of communication between
  Claim Staff and the company for a better facility to the insured. It
  was the first company to take this modern technology for the insurance
  work.

  1989 From applying the new technology for our service, it made the
  company be chosen to receive the HI-TECH AWARD service.

  2008 To take the new technology for Emergency Help Services on car
  accident 24 hours with Mobile Tracking System.

  2009 To provide Helicopter services to evacuate emergency patient by
  air.

  (2) Business Operation

  Non-Life Insurance business operation of Company can be divided as
  following

1.  Motor Insurance

    1.  Compulsory Insurance according to the Protection for Motor
        Vehicle Victims Act 1992

  1.2 Voluntary Insurance Class 1

  1.3 Voluntary Insurance Class 2

  1.4 Voluntary Insurance Class 3

  1.5 Voluntary Insurance Class 4

  1.6 Voluntary Insurance Class 5

1.  Fire Insurance

2.  Marine Insurance

  3.1 Cargo Insurance

3.  Miscellaneous Insurance

  4.1 Personal Accident Insurance

  4.2 Travel Accident Insurance

  4.3 Health Income Compensation Insurance

  4.4 Critical Illness Insurance

  4.5 Contractor All risks Insurance

  4.6 Contractor Plant and Machinery Insurance

  4.7 Boiler Explosion Insurance

  4.8 Public Liability Insurance

  4.9 Golfer Indemnity Insurance

  4.10 Neon Sign Insurance

  4.11 Burglary Insurance

  4.12 All Risks Insurance

  4.13 Health Insurance

  4.14 Global Travel Accidental and Health Insurance

1.  Reinsurance is the important basic of insurance to help risk
    diversification by making reinsurance

  treaty with the reinsurance company. At the same time, we receive the
  reinsurance from other

  company as the risk diversification.

  Important changes of company

  Oct. 1951 Registered capital 10,000,000 Baht common shares, value per
  share is 1,000.00 Baht

  Jan. 1981 Increased registered capital to 20,000,000 Baht common
  shares, value per share is 100.00 Baht

  Nov. 1987 Increased registered capital to 30,000,000 Baht common
  shares, value per share is 100.00 Baht

  Jul. 1992 Opened head office at Dindaeng area, the 11-storey high
  building with usage area 5,596 square meters and parking area 3,320
  square meters

  Oct. 1992 Increased registered capital to 60,000,000 Baht common
  shares, value per share is 10.00 Baht

  Nov. 1993 Registered as public company and traded in the securities
  exchange of Thailand.

  Jul. 1994 Increased registered capital to 101,000,000 Baht common
  shares, value per share is 10.00 Baht

  Jul. 1999 Increased registered capital to 126,250,000 Baht common
  shares, value per share is 10.00 Baht. The English company name was
  changed from Pacific Insurance Public

  Co., Ltd. to be Thaivivat Insurance Public Co., Ltd.

  Sep. 2003 Converted share value from 10.00 Baht to 1.00 Baht

  Apr. 2005 Increased registered capital to 151,500,000 Baht common
  shares, value per share is 1.00 Baht

  (3) Revenue structure

  The company is a non-life insurance business to have the main revenue
  from insurance premium.

  When the company receives insurance premium, a part of it is taken to
  do the reinsurance and

  another part is kept for our own risk. For the part of our own premium
  after expenses deduction,

the company makes investment to earn income according to the non-life
Insurance Act and Office

of Insurance Commission announcement about other business investment of
non-life insurance

company.

  Past 3 years of company’s income

  ---------------------- ---------- ------- ---------- ------- ---------- -------
                         2012       %       2013       %       2014       %

  Insurance premium      1,970.76   88.1    2,299.89   96.1    2,471.11   92.7
  income                                                                  

  Investment income      255.51     11.4    83.75      3.5     181.31     6.8

  Other income           10.81      0.5     9.23       0.4     13.86      0.5

  Total income           2,237.08   100.0   2,392.87   100.0   2,666.28   100.0
  ---------------------- ---------- ------- ---------- ------- ---------- -------

  Business operation of each product line

  (1) Product or service characteristics

  There are 4 main services of company as follows :

1.  Motor insurance

    1.  Compulsory insurance

    2.  Voluntary insurance is divided into 5 types such as class 1,
        class 2, class 3, class 4, and class 5 with different coverage.

1.  Fire insurance is making contract to receive disaster risk that the
    company agrees to pay compensation to the insured in case of the
    insured property is damaged from fire or lightning or gas explosion
    of household consumption and has coverage extension to water damage,
    explosion, riot, strike, hail, flood, earthquake, windstorm, and
    aircraft etc.

2.  Marine and transportation insurance is making contract to receive
    disaster risk that the company agrees to pay compensation to the
    insured in case of the insured property is damaged from
    transportation.

3.  Miscellaneous insurance includes several kinds of insurance such as
    personal accident insurance, travel accident insurance, health
    insurance, compensation indemnity insurance, critical illness
    insurance, contractor all risks insurance, burglary insurance,
    health insurance, global travel insurance etc.

  (2) Marketing and competitive situation

A.  Policy, important product characteristic and service

  Competitive strategy to have rapid and convenient services as well as
  to create impression to

  the insured, advertise, use modern communication technology and
  provide staff training all time.

  Advantage

-   To operate the longest motor insurance business of all insurance
    companies in present which makes the company have experience for
    giving service to the insured and related person as well as to have
    the database of complete underwriting

-   To have a long relationship customer base

-   To have a company culture to understand customer and related person
    requirements which makes impression to the customer and related
    person in our services

-   The company has a good customer base and a large amount of company
    fund that makes

  the company be able to handle risk in high level

  Disadvantage

-   All company insurances are come from direct market, not from the
    captive business

  Target customers

  For the industrial risk, most insurance is an insurance with the
  insurance company to have

  relationship in form of investment. Therefore, from the company
  structure, we have a target to do business with small or medium
  customer groups which they have high independent to select

  the insurance company. It is an outstanding in our service and product
  development that are suitable for consumer needs and enable to have
  influence on customer decision making.

A.  Competitive situation

  The total premium 2014 of Non-Life Insurance is stagnant, it expands
  less than 1%

  as GDP growth. Motor insurance premium is 58% of total premium that
  decreases 1% due to

  the overall volume of new car sales is 881,832 units decreasing 33.7%
  while other types of insurance grows 2% from the expansion of Personal
  Accident Insurance, Health Insurance, Crop Insurance and Industrial
  All Risks Insurance. The price competition to get market share
  severely

  in the individual customers and corporate customers that are small,
  medium and large businesses via variety channels such as agent,
  broker, Bancassurance, telemarketing, convenient shops and

  online channel as well as technology to develop claim services through
  smart phone.

  Direct Insurance Premium Table of The Non-Life Insurance System
  classified by Class of Business

+--------+--------+---+----------+--------+--------+--------+--------+
|        |        |   |          | Direct |        |        |        |
|        |        |   |          | P      |        |        |        |
|        |        |   |          | remium |        |        |        |
|        |        |   |          |        |        |        |        |
|        |        |   |          | (Unit  |        |        |        |
|        |        |   |          | :      |        |        |        |
|        |        |   |          | M      |        |        |        |
|        |        |   |          | illion |        |        |        |
|        |        |   |          | Baht)  |        |        |        |
+--------+--------+---+----------+--------+--------+--------+--------+
| No.    | Class  |   | Year     | 2011   | 2012   | 2013   | 2014   |
|        | of     |   |          |        |        |        |        |
|        | Bu     |   |          |        |        |        |        |
|        | siness |   |          |        |        |        |        |
+--------+--------+---+----------+--------+--------+--------+--------+
|        |        |   | Sub      |        |        |        |        |
|        |        |   | Class    |        |        |        |        |
+--------+--------+---+----------+--------+--------+--------+--------+
| 1      | Motor  | 1 | V        | 67,895 | 82,286 | 1      | 96,735 |
|        |        | . | oluntary |        |        | 01,410 |        |
|        |        | 1 |          |        |        |        |        |
+--------+--------+---+----------+--------+--------+--------+--------+
|        |        | 1 | Co       | 13,906 | 16,842 | 25,353 | 24,184 |
|        |        | . | mpulsory |        |        |        |        |
|        |        | 2 |          |        |        |        |        |
+--------+--------+---+----------+--------+--------+--------+--------+
|        |        |   | Total    | 81,801 | 99,068 | 1      | 1      |
|        |        |   |          |        |        | 26,763 | 20,919 |
+--------+--------+---+----------+--------+--------+--------+--------+
| 2      | Fire   | 2 | Fire     | 8,042  | 9,554  | 11,223 | 11,489 |
+--------+--------+---+----------+--------+--------+--------+--------+
| 3      | Misc.  | 3 | Misc.    | 43,610 | 58,417 | 72,727 | 72,419 |
+--------+--------+---+----------+--------+--------+--------+--------+
| 4      | Marine | 4 | Marine   | 4,753  | 5,037  | 5,501  | 5,431  |
+--------+--------+---+----------+--------+--------+--------+--------+
| 5      | Grand  |   |          | 1      | 1      | 2      | 2      |
|        | Total  |   |          | 38,206 | 72,077 | 16.214 | 10,258 |
+--------+--------+---+----------+--------+--------+--------+--------+

  (3) Products or services

A.  Sources of fund

  Non-life insurance business has the major income from insurance
  premium. Insurance policy is the company product which is made through
  3 types as follows :

1.  Selling through Insurance Agent in Non-Life Insurance Act section 4
    “Non-Life Insurance Agent means a person who is delegated by company
    to convince people to do the insurance policy ”.

2.  Selling through Insurance Broker in Non-Life Insurance Act section 4
    “Non-Life Insurance Broker means a person who advises or manages a
    person to do the insurance policy by expecting to get commission”.

3.  Direct selling by the company employees.

B.  The ability to maintain the ratio of each business class

  The company has maintained the fund of operating non-life insurance
  not less than 30 million Baht

  by considering the ratio of fund sufficiency. It calculates the
  company fund divided by the maintained fund not less than 140%. As of
  December 31, 2014, the company has the fund

  as accounting 1,101,302,259.06 Baht

C.  Liquidity

  Liquidity management for insurance premium of the company to the
  suitable loss ratio,

  in the year 2014 the loss ratio is 56.15% decreasing from 2013 -0.12%

1.  Risk factors

  Risk factors of non-life insurance business can be classified as
  follows :

1.Strategic Risk

  It is the overall policy on the business portfolio level, product
  type, industry, geographic area including the operation plan which
  increase the company risk such as focusing on quantity growth or
  market share more than the profit value, increasing on sales volume
  with competitive insurance premium to take high and low risk
  insurance, selling high risk product with low profit to keep customers
  and business alliances, including risk factors that effect company not
  to achieve the business target.

  2. Operational Risk

  It is the risk that occurs in the working area and operation which
  caused from

-   People Risk such as lack of knowledge, skill, experience and
    responsibility; carelessness; insufficient staffs that cause human
    error, fraud of staff including fraud claim from customer or partner
    such as garage, hospital, etc.

-   Process Risk such as deficient working system, weak internal
    operation process, structure organization of inter-control unit,
    responsibility division in approved person and paid , specification
    of approval limit.

-   Technology Risk such as inefficient computer system; incorrect,
    delay and pirated data.

  The company invests in up to date hardware and software, sets to have
  security process, limits to

  information access for only authorized or approved person.

  3.Liquidity Risk

  It is the risk that occurs from unable to provide enough cash flow for
  the credit payment and obligation.

-   To assess the Financial status before appointment to be an agent and
    broker.

-   To collect the motor insurance premium as the Cash Before Cover
    Principle.

-   To create the tracking system for the overdue premium collection
    from an agent and broker.

  4.Insurance Risk

  It is the financial loss risk of underwriting and liability risk that
  results from selection and approval of the underwriting risk, ratio
  between retention and risk transfer including look after the claim
  management process of company to be concise, systematic, accurate as
  the actual damage occurred.

-   The company has the risk management systematically by starting
    underwriting, coverage, premium rate suitable to the risk.

-   The company provides risk transfer to the reinsurance company that
    has stable status both domestic and international.

-   The company has the correct and fast indemnity payment system
    according to the coverage, manages to have a low level of loss ratio
    in each type of insurance.

  5.Market Risk

  It is the fluctuation of investing asset returns which result from the
  fluctuation of interest rate, equity value, foreign fund etc.

-   To build the stable investment return in the long term higher than
    the inflation rate.

-   The investment policy of company in asset allocation is the
    investment mix for diversification by giving the weight of
    investmentof criteria as the Office of Insurance Commission that
    focuses on safety and careful investment. The company divides
    investment to different asset classes by considering the investor
    situation to accept risk on and risk off including decision to
    choose the asset diversification into low risk such as government
    bond, debenture, equity of the high stability company to have
    regular income and profit, not much fluctuation, liquidity and high
    dividend that help create a high level returns.

-   The ways of investment management, to adjust investment plan to be
    consistent and timely in

  the worldwide equity market situation that has more connection. The
  upside inflation and interest

  trend in market fluctuation increase returns more than the market. To
  make more active

  management, adjust investment portfolio to the tactical asset
  allocation between asset and security

  selection in order to support changing of financial economy trend not
  more than 1 year or to have

  the event risk and adjust to the dynamic asset allocation 1-3 year in
  order to cope with the economic

  cycle change such as in the economic recovery period and no inflation
  problem that increase

  portfolio in equity investment.

6.Credit Risk

  It is the risk of counter parties especially their deteriorate
  financial status, default risk such as

  reinsurer, broker, debtor, guarantor. If the customer is unable to
  fulfill an agreement, it affects

  the company revenue and operation. We use the Credit Rating to select
  reinsurers and have

  an investment as the Office of Insurance Commission’s rules.

1.  Business Assets

    1.  Main fixed assets used in business operation

  -------------------------------------------- ----------- ---------------- ------------
  Asset Type                                   Ownership   Value (Million   Obligation
                                                           Baht)            

  1.   Head Office Building                    Owner       154,441,604.73   -

  - 11 stories building with 5,500 sq.m. usage                              
  area looted at 71 Dindaeng Road, Samsannai                                
  Phayathai Bangkok                                                         

  - 4 stories building with 1,215 sqm. usage   Owner       30,560,357.00    -
  area located at 1 Dindaeng Road, Dusit                                    
  Bangkok                                                                   

  2.   Branch Office especially for indemnity  Owner       1,008,441.00     -
  claim service                                                             

  - Nakhon Ratchasima branch 1528 Issarapab                                 
  Road, Thambon Nai Muang, Amphoe Muang,                                    
  Nakhon Ratchasima                                                         

  - Chon Buri branch 136/88-9 Moo 9 Sukhumvit  Owner       2,884,427.00     -
  Road, Thambon Bansuan, Amphoe Muang, Chon                                 
  Buri                                                                      

  - Sara Buri branch 175/30-33 Moo 8 Phahon    Owner       9,415,803.01     -
  Yothin Road, Thambon Hua Sai, Amphoe Nong                                 
  Kae, Sara Buri                                                            

  - Lam Pang-Chiang Mai branch 152/1 Moo 11    Owner       8,548,953.25     -
  Lam Pang-Chiang Mai Road, Thanbon Umong,                                  
  Amphoe Muang Lam Phun, Lam Phun                                           

  - Pattaya branch title deed no. 151138 land  Owner       5,850,000.00     -
  no. 661 21 Sq.Wah area and commercial                                     
  building 392/91 Moo 6 Thambon Na Kaer,                                    
  Amphoe Bang Lamung, Chon Buri                                             

  - Ubon Ratchathani branch title deed no.     Owner       4,036,644.00     -
  68108 land no. 3 29.2 Sq.Wah, Thambon Jar                                 
  Ramae, Amphoe Muang Ubon Ratchathani, Ubon                                
  Ratchanthani                                                              

  - Ratchaburi title deed no. 83237 54.2       Owner       5,500,000.00     -
  Sq.Wah area and commercial building no. 73/5                              
  Petchakasem Road, Thambon Na Muang, Amphoe                                
  Muang Ratchaburi, Ratchaburi                                              

  - Hua Hin branch title deed no. 26808 28.4   Owner       4,500,000.00     -
  Sq.Wah area and commercial building no. 57/1                              
  Petchakasem Road (TL.4), Thambon Hua Hin,                                 
  Amphoe Hua Hin, Prachuap Khiri Khan                                       

  - Udonthani branch, title deed no. 19003     Owner       5,500,000.00     -
  31.3 Sq.Wah area and commercial building no.                              
  200/223 Muang Udon Thani triangle Road,                                   
  Thanbon Sam Phrao, Amphoe Muang, Udonthani                                

  - Sara Buri 2 branch title deed no. 15525 20 Owner       1,500,000.00     -
  Sq.Wah area and commercial building no.                                   
  67/10 Mittraphab Road, Thambon Pak Pure,                                  
  Amphoe Muang, Sara Buri and title deed no.                                
  188860-188862 30 Sq.Wah Area                                              

  -Pitsanulok Branch Title Deed no. 178018 24  Owner       5,900,000.00     -
  Sq.Wah area and Commercial Building no.                                   
  206/3 Sriharajdechochai Road, Tambon                                      
  Naimuang, Amphoe Muangpitsanulok, Pitsanulok                              

  -Mahasarakam Branch Title Deed no. 89533 51  Owner       7,500,000.00     -
  Sq. Wah area and Commercial Building No.                                  
  290-290/1 Muangmahasarakam, Mahasarakam                                   

  -Surin Branch Title Deed no. 175968 23       Owner       4,400,000.00     -
  Sq.Wah area and Commercial Building no.10,                                
  Moo 2,Liengmuangsurin Road, Tambon Nokmuang,                              
  Amphoe Muangsurin, Surin                                                  

  -Surin Branch Title Deed no. 175968 23       Owner       4,000,000.00     -
  Sq.Wah area and Commercial Building no.10,                                
  Moo 2,Liengmuangsurin Road, Tambon Nokmuang,                              
  Amphoe Muangsurin, Surin Muang, Tak                                       

  -Phuket Branch Title Deed no.106900 19.4     Owner       6,700,000.00     -
  Sq.Wah area and Commercial Building                                       
  no.92/31, Thepkasattre Road, Tambon Kokkaew,                              
  Amphoe Muang, Phuket                                                      

  -Nakornsawan Branch Title Deed no.114113     Owner       4,500,000.00     -
  23.8 Sq.Wah area and Commercial Building no.                              
  132/10, Moo 10, Tambon Nongkrot, Amphoe                                   
  Muangnakornsawan, Nakornsawan                                             

  3.   A place for spare part keeping and car  Owner       15,601,734.00    -
  junk business                                                             

  - Commercial building no. 38-40 Thambon Bang                              
  Khlo, Yannawa district, Sathu Pradit,                                     
  Bangkok                                                                   

  - Commercial building no. 58/12-13 Prathum   Owner       5,000,000.00     -
  Thani-Lat Lum Kaew Road, Thambon Ban Chang,                               
  Amphoe Muang Prathum Thani, Prathum Thani                                 

  - Land at Prakanong title deed no. 7347 37   Owner       28,082,653.00    -
  Sq.Wah area located at Thambon Khong Ton,                                 
  Prakhanong district, Bangkok                                              

  - Building no. 67/9 Mittraphab Road, Thambon Owner       541,077.00       -
  Pak Pure, Amphoe Muang, Sara Buri                                         

  4.   A place for recreation location of      Owner       5,053,004.00     -
  employee                                                                  

  - Metro Jomthien condominium suite no. 420                                
  Moo 12, Jomthien Beach Road, Thambon Nong                                 
  Preur, Amphoe Bang Lamung, Chon Buri                                      

  - Residence house Samut Prakan no. 605/18-19 Owner       3,000,000.00     -
  Moo 2, Thambon Bang Phu Mai, Samut Prakan                                 

  - Bang Kapi condominium no. 142 Soi Lat      Owner       1,500,000.00     -
  Phrao, Thambon Klong Jun, Bang Kapi                                       
  district, Bangkok                                                         

  - Rayong villa 229/7-8 Moo 6 Rock Gargen     Owner       3,200,000.00     -
  Beach project, Sukhumvit-Aow Kai, Thambon                                 
  Krum, Amphoe Klang, Rayong                                                

  - Commercial building no 108/6-7 Ratchada    Owner       7,000,000.00     -
  Pisek road, Soi Therd Thai 33, Bukkalo, Thon                              
  Buri, Bangkok 10600 and being use as a                                    
  emergency backup office when 2010                                         

  - House at Kao Phra Nond Kilometer no. 18    Owner       8,148,867.50     -
  Thanarat-Muaklek, Ban Kudkla road, Thambon                                
  Moosi, Amphoe Pak Chong, Nakhon Ratchasima                                

  5.   Decoration Accessories                  Owner       100,048,270.67   -

  6.   Office Supply                           Owner       102,786,517.44   -

  7.   Vehicle                                 Owner       84,577,554.17    -

  Total                                                    631,285,907.77    
  -------------------------------------------- ----------- ---------------- ------------

Net Asset Value

1.  Net Asset Value 4,329,847,770.31 Baht

2.  Net Asset Value deduct Assumed Liability 1,101,302,259.06 Baht

3.  Net Asset Value Per Share 7.27 Baht

4.  Number of share calculated by weight average 151,500,000 Shares

(2) Investment in securities

  Investment policy of company is in the Investment scope of the Office
  of Insurance commission

2.  Legal Disputes

  It is the legal disputes as non-life insurance business operation of
  company

3.  General Information

Thaivivat Insurance Public Co., Ltd.

Main business : Non-Life Insurance business

Head office location : 71 Thaivivat building Dindaeng Road, Samsen Nai,
Phayathai, Bangkok 10400

Company registration : 0107536001427 (Former PCL. 216)

Telephone: 0-2248-0900, 0-2248-0910, 0-2644-6400, 0-2644-6500,
0-2695-0800

Fax: 0-2248-4575, 0-2248-4975, 0-2695-0808

Claim Hot Line: Tel. 0-2695-0700; Fax. 0-2644-6545

Customer Care: Tel. 0-2695-0777; Fax. 0-2644-6545

Health Claim: Tel. 0-2695-0707; Fax. 0-2644-6545

Company has 151,500,000 common shares that all sold out.