Overview

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Aviva India is a joint venture between one of the countrys oldest and largest groups, Dabur, and Aviva plc, the UK's largest insurance group, whose association with India dates back to 1834. Our vision is to be amongst Indias leading life insurers with a quality business model, focused on sustainable growth. We seek to build a robust product portfolio meeting all customer lifecycle needs related to Savings, Retirement, Investments and Protection. With a strong sales force of over 30,000 Financial Planning Advisers (FPAs), we have initiated and pioneered many innovative sales approaches, including the concept of Bancassurance and Financial Health Check services. We are among the first companies to introduce the contemporary unit-linked products. A seasoned team of fund managers make our fund management one of the key differentiators. With a wide distribution network of 208 branches and close to 40 Bancassurance partnerships, we are spread across nearly 3,000 towns and cities in India. Keeping with our commitment of social responsibility, we have been successful in reaching out to the underprivileged strata through our Microinsurance initiatives.

Promoters
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Dabur Group Founded in 1884, Dabur Group is one of India's oldest and largest group of companies with a consolidated annual turnover in excess of Rs 2,834 crores. A professionally managed company, it is the country's leading producer of traditional healthcare products. Corporate website: http://www.dabur.com

Aviva Group Aviva Group is the UKs largest and one of the biggest Insurance groups worldwide. It is one of the leading providers of life and pensions products to Europe and has substantial businesses elsewhere around the world. With a history dating back to 1696, Aviva Group has a 50 million customer base worldwide. Corporate website: http://www.aviva.com

Partners
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ABN AMRO Bank ABN AMRO is a prominent international bank with European roots and a clear focus on consumer and commercial banking gaining a competitive edge on the chosen markets and client segments. ABN AMRO Bank (India) ventured into the Indian market in 1920 primarily to finance the diamond trading business and evolved by the mid 1990s into a fast-growing retail bank and a well-respected wholesale bank. Aviva's relationship with ABN India commenced in June 2002 under which the bank introduces its customers to Aviva for insurance and provides access to its affluent customer base across the country through its operations in 21 branches at 14 locations. Visit the ABN AMRO Bank website www.abnamro.co.in

The Lakshmi Vilas Bank Ltd The Lakshmi Vilas Bank Ltd, based out of Karur, is among the top private banks in India. It has 221 branches with a customer base of 1.2 million across 10 states. Currently Aviva products are sold across 204 branches of LVB. Visit the Lakshmi Vilas Bank Ltd website www.lvbank.com

Punjab & Sind Bank The Punjab & Sind Bank was established in the year 1908. Based on the principles of social commitment to the people, to help the farmers, and the weaker sections of the society to raise their standard of living and play a significant role in the development of the country. Even after 100 years of its inception, the Punjab & Sind Bank stands committed to honour the high ideals of its founding fathers. Punjab and Sind Bank has a network of 915 branches spread all over the country with close to 9400 employees. Fifty one per cent of its branches are in the rural and semi-urban areas. Aviva signed Corporate Agency Agreement with PSB in September 2004 under which the bank deployed its Insurance Officers (SPs) to sell the Life Insurance products to its customers through vast network of branches spread over 175 Districts ,25 States and Union Territory of Chandigarh. Visit the Punjab & Sind Bank website www.psbindia.com

IndusInd Bank IndusInd Bank Ltd., is one of the leading new-generation private-sector banks in India. It commenced operations in 1994 and had a net worth of Rs.866 crore as of March 31, 2006. At present, the Bank has a network of 148 branches and 87 offsite ATMs spread over 118 geographical locations in 24 states and Union Territories. Visit the IndusInd Bank Ltd. website www.indusind.com

Bank of Rajasthan A private sector bank with 467 branches and a major presence in North (Rajasthan), has its Head Office in Mumbai. Having a customer base of nearly 14 lakh and a Rs 13,000 crore deposit base, the bank spreads across 12 regions of Jaipur, Jodhpur, Bikaner, Kota, Bhilwara, Udaipur, Chandigarh, Delhi, Kolkata, Indore, Mumbai and Bangalore. Visit The Bank of Rajasthan website www.bankofrajasthan.com

Management Team
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Name Abhay Johorey Rajeev Arora Monica Agrawal Vishal Gupta Sumit Behl Ravi Bhadani Munish Sharda Rishi Piparaiya

Designation Chief Operating Officer Director, Finance & Actuarial Director, Corporate Initiatives Director, Marketing Director, Business Risk & Internal Audit Company Secretary and Associate Director Compliance & Legal Director, Direct Sales Force Director, Bancassurance

TR Ramachandran Chief Executive Officer & Managing Director

Fact Sheet
Refer to a friend Print JV partner: Dabur (74% stake) Foreign partner: Aviva plc (26%

stake). One of the world's top Insurance groups and the biggest in the UK. It is one of the leading providers of life and pensions products to Europe. Aviva has a 50 million-customer base worldwide with 352 billion assets under management. Managing Director & Chief Executive Officer: Mr. TR Ramachandran Paid up Capital: Rs 1,888 crores Locations: 208 branches, close to 3,000 locations Bank partners: ABN Amro Bank, The Lakshmi Vilas Bank Ltd, Punjab & Sind Bank, IndusInd Bank, Bank of Rajasthan and more than 30 Cooperative Banks and Regional Rural Banks.

Awards and Recognition

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We believe that our employees are our greatest strength and the only asset that can be replicated. It is the passion of our people which continues to help us achieve the 'impossible' and make Aviva India great place to work.

Aviva has been felicitated with the "Bronze Award for Excellence in People Management" by Grow Talent Company Limited and Businessworld. This honour was given based on our ranking amonst the top 25 companies as per the Grate Place to Work survery in the last four years. Aviva was ranked 4th in the Best Workplaces in India study for the year 2008 by the Great Place to Work Institute. We were the only Insurance company in the top 10 ranking that year. Aviva India won the coveted Award for Talent Management during the national round of Asia Pacific HRM Congress Aviva India was also felicitated by the HR Excellence Award by Amity Business School

Corporate Responsibility
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At Aviva we believe Education is Insurance. There is no greater education than insurance in the world than a good education. It is an investment that never depreciates. An Investment that yields guaranteed returns and can never be taken away.

We see education as a tool that empowers individuals. But above all else, we see education as the right of every child. The right to a strong foundation that enables them to escape the vicious circle of ignorance, disease and poverty. It is our belief in the power of education that has fueled our endeavors to guarantee it, most importantly to those who cannot afford it. Through our Corporate Responsibility initiatives we wish to empower as many children as we can. Corporate Responsibility is deeply embedded in the culture at Aviva and reflects our social conscience and commitment to the society. At Aviva, we strongly believe in proactively promoting public interest by behaving ethically and contributing to the economic growth and welfare of the society we live in. Making a difference Some of our ongoing projects supporting education for underprivileged children are:

CRY CRY will be facilitating education for underprivileged children through intervention based projects. PROJECT: Social Action for Literacy and Health (SALAH) This project is working with slum dwellers across 10 slums in the Bhandup district of Central Mumbai. The project seeks to address issues like illiteracy, child labour, lack of basic amenities, addictions among even young children and child marriage. The action plan includes providing birth certificates which would be required for enrollment into government schools, surveying and enrolling all eligible children in balwadis or support classes, providing ration cards to give families access to government welfare schemes and creating awareness within the community about child marriage. Support classes and balwadis operate in these areas and all eligible children will be enrolled. Number of children impacted : 1,300 PROJECT: NIRMAN This project works with children in three resettlement colonies in South-West Delhi. There are two groups of children that are targeted children of workers from the unorganized sector, many of whom do not go to school and children engaged in labour. The main problem in these areas are the insufficient number of schools. The schools that are present also lack the basic facilities like toilets and drinking water. Many children stay at home to look after younger siblings while the parents are at work due to the lack of crches or balwadis. Affordability of education is yet another issue which prevents children from going to school. Malnourishment and the lack of immunizations are some of the other key issues faced by children in these slums. Registration of Construction Workers with the Welfare Board to get scholarships for their children, Mobilizing the community to enroll their children into schools, quarterly follow ups to ensure benefits are some of the areas this project works in, in order to ensure child rights Provisions are also being made to provide registration of births, health check ups and proper sanitation. Number of children impacted: 1,570 PROJECT 3: JANVANI This project works with 15 slums in the Shamirpet, Rangareddy district in Hyderabad. Out of these 12 slums do not have any educational facilities. The nearby educational facilities that are present do not have basic amenities and sometimes do not even have a proper

compound. They lack basic facilities like toilets and drinking water, the former being a huge problem, especially for girls and lady teachers. The schools are also severely understaffed thereby impacting teacher- student ratio and therefore lack of quality education. Janvani focus includes identifying and enrolling children into schools, improving infrastructure of the two government schools in the area, monitoring of ICDS centers and formation and regular follow ups with youth and childrens groups. Number of children impacted: 8,343 PROJECT 4: Society for Occupational environment and social security (SOHES) This project works with 80 coastal hamlets in Thriuvellore, Kancheepuram and Villupuram districts in Tamil Nadu. They mainly work with the children among the fishing community. SOHES has first started work in these parts after the Tsunami and thereafter, along with CRY has taken up a more long term based approach. Only about 50% of the children in these areas attend school but the poor quality of government schools induces parents to try and send their children to private schools which are significantly more expensive and rather far away. Therefore even though enrollments in the primary level are still high, there are a huge number of dropouts in the middle and secondary levels. Moreover girls do not attend school because of the responsibility of younger siblings when the mother goes out to work. The lack of proper and nutritious food at the government maintained anganwadis give rise to deficiencies in the childrens physical and mental health. As part of the action plan, there will be 100% retention of the enrolled children. There will also be enrollment into schools for identified child labourers. Sensitizing the community at various levels, studying the impact of the Coastal Management Bill on women and children, setting up new elementary schools and monitoring functions of the PHCs in the areas are some of the other points. Number of children impacted: 400 directly, a few thousand indirectly. PROJECT 5: DOOARS JAGRON This project works directly with 20 tea gardens in the Jalpaiguri district. They further have advocate for child rights in 14 other tea gardens. There is a high number of school dropouts in this region. Child labour and lack of nutritious food leading to hampered physical and mental development are other barriers to education. Parents not getting regular wages and lack of proper crches and health facilities further prevent the children from going to school. The action plan targets identifying and bringing dropouts back to school, activation and monitoring of primary schools, interactive sessions with youth conventions to generate awareness, studies on child labour and reactivation of ICDS centers. Number of children impacted: 3120 directly. 6000+ through advocacy program.

PROJECT 6: IYWS Institute for Youth and Social Welfare This project works in 12 slums in Nagpur in Maharashtra. The school enrollment in these areas is very low owing to the lack of foundation in balwadis and the negative attitude of the teachers which influences many dropouts. Prevalence of child labour, lack of basic amenities for proper health and nourishment and lack of proper government services are further barriers to education. There is also the prevalence of child marriage and child abuse. The action plan includes identifying and reenrollment of dropouts, 100% enrollment of children between 36 years, PTAs for proper monitoring, awareness within the community about education through community based groups,

identification of child labour and setting up NFEs for the same and issuing birth certificates for all new born and older children who do not have them. Number of children impacted: 1,691 PROJECT 7: Samta Mitra Mandal (SMM) This project works in 3 slum areas & 10 slum pockets of Mumbai East ward - Vashi Naka, Samata Nagar and Gautam Nagar. In these areas the heathcare situation is so bad that it acts as one of the major barriers to children going to school. Even if children are enrolled in schools at the primary level, which by themselves are at least 3 kms away the complete lack of middle school, results in a large number of dropouts at that level. There are also no support classes due to the absence of ICDS centers. Moreover sending the children to school is not a high priority with parents as most of the adolescent children need to stay at home and look after younger siblings while the parents are at work. The action plan includes 100% enrollment of children at the primary level reacivation of ICDS centers & PTAs, bringing back dropouts, issuing of brith certificates and providing voters id and ration cards for availing services for the childre. Number of children impacted: 2,350
Save the Children Save the Children will address the care and protection needs of street and slum children in New Delhi and Kolkata by setting up child friendly spaces and providing education. The NGO will work with children of pre-school age at ICDS centres through our early years programme. For older children between 15-18 years of age and will provide life skills training and link them to vocational training opportunities. Save the Children will implement early childhood care and education in the Okhla/Govindpuri slums of Delhi, working with 400 children. The NGO will mobilise parents around health and hygiene and the importance of early childhood care and education, training Anganwadi workers, sensitising 400 mothers and linking their families living in slum areas with social protection and food security schemes. Save the Children will work with 700 children living on the streets, 300 children in Northern Kolkata and 400 children around Nehru Place in Delhi, providing them safe and child-friendly places through Facilitation Centres that will run approximately 6-8 hours a day, and link with shelter homes operated by Government and non-Government agencies as night safe shelter for street children. The NGO will facilitate access to bridge courses for children who have missed out on education

and health services. The NGO will facilitate enrolment in formal schools, provide training in life skills (e.g. emotional and physical self-control, sexual health, protective measures from abuse, selfesteem). The NGO will also establish links with vocational institutions, for example, training children to lead heritage walks as Delhi and Kolkata are tourist cities. While we will focus on formal education for street children aged between 6-14, the market-oriented vocational links will focus on the 14-18 age group. For children enrolling into formal schools, the NGO will connect them with students at local private schools to mentor and tutor these children with their homework. Save The Children will train teachers in a total of 16 schools in Delhi (6) and Kolkata (10) on inclusive teaching methods so that street children enrolled in these schools will not drop out. Through this programme, Aviva and Save the Children will indirectly positively impact the lives of 6,400 childre Arpana Trust Towards this, we have established Aviva Bal Vatika in association with Arpana Trust for providing primary education and tuition to children to underprivileged children from the Urban Slums of Molarbund, Delhi- We are proud of our achievements in this field. Our joint efforts with Hibernian (An Aviva Company) have been successful in turning a garbage dump into a school area, constituting three classrooms with a play area, educating more than 360 children through trained teachers. Salam Balak Trust We also provide for higher education of two children from Salaam Balak Trust. Employee Volunteer Programme As part of our employee volunteer program, employees of our Chennai branch are responsible for educating 14 children from Hope Foundation. They also organise regular fun-filled activities for the kids. We are delighted that our employees have been contributing zealously to our corporate responsibility agenda. In the year 2007, we achieved 1000 hours of employee volunteer service. Likewise, in 2008, we had the opportunity to work with nine NGOs across the country and have more than 1900 hours of employee volunteer service.

Aviva Street to School

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Aviva Street to School Recognizing Education is Insurance Education is pivotal to human progress. It is the main tool that empowers individuals to make informed choices. Every child has the right to basic education so that their future is built on a strong foundation; enabling them to free themselves from the vicious circle of ignorance, poverty and disease. At Aviva, we recognize that education is insurance for a better future. In line with this thought, Aviva Street to School, our new, international charity partnership programme, aims to improve the lives of thousands of street children and young people around the world by helping them off the streets and into education and training. Children living and working on the streets is a global issue. Aviva Street to School is about recognising that Education is Insurance not only doing the right thing, but also standing by our brand promise and improving the lives of young people and helping them develop their full potential. In India, we have partnered with CRY (Child Rights and You) and Save the Children to facilitate education (including other related factors that could prevent a child from attending school) for over 50,000 children by 2012. In the first year, Aviva will be reaching out to 20,000 children across 9 projects in 5 states. We seek to better the lives of underprivileged children and thereby contribute towards building a brighter future for the country.