To, Kind Attn: Re: Insurance Portfolio Management of your Company Dear Sir, One of the greatest revolutions

in Indian Economy has been the privatization of the Insurance Industry in India. One such instance is the coming together of IFFCO - the well-known pioneer in large-scale fertilizer manufacturing, and Tokio Marine & Fire Insurance Company Ltd., which is the oldest, and the largest Japanese General Insurance Company. IFFCO was founded in 1967 and is a pioneer in large-scale fertilizer manufacturing and also enjoys the position of being one of the largest fertilizer producers in the world. Operating in 41 countries, Tokio Marine is fifth largest insurance company in the world in terms of net premium written, having over one hundred and twenty years of experience in general insurance business. It is well known for its quality insurance and highest security ratings, such as AAA by Standard & Poors, Aal by Moody's, A++ by the AM Best's and customer oriented services. Named as the IFFCO-TOKIO General Insurance Co. Ltd., this joint venture company endeavors to sell business in the targeted area from all variety of customers such as co-operatives, public, government and private sectors, including Multi National Corporations. Having a paid up share capital of 100 crores, other organizations involved in this joint venture are KRIBHCO and Indian Potash Limited. IFFCO-TOKIO General Insurance Co. Ltd. ( ITGI) aims at : Leading the industry by building a sound customer base with high quality service. Better pricing, cost effective operations and better re-insurance arrangements. Creating a niche in the Industrial Sector. Building a wide coverage across the spread of India as the only Private Insurance Company. We already have 23 branches, 5 CSCs (Customer Service Centers), 48 LSCs (Lateral Spread Centers) set up and are still expanding.

Our Major Product Lines are: Fire Insurance and Allied Perils Insurance Industrial All Risk Insurance Marine Insurance

Motor Insurance Misc. Insurance Group/Individual Personal Accident Insurance Householder Insurance Shopkeeper Insurance Workmens Compensation Insurance Group Medishield Money and Fidelity Insurance Jewelers Insurance Marine Cum Erection Insurance Storage Cum Erection Insurance We are proud to be associated with this organization and have succeeded in bringing ITGI to your doorstep. Our Branch Office in Vadodara is located in 2nd Floor, TNW Building, Old Padra Road. This office is a fully computerized office with online connectivity / networking all over India. We shall be glad to have you as our esteemed clientele. We shall be providing value added insurance service to your esteemed organization. Our Insurance Programme is based upon the principle of "Risk Management" optimizing premium cost with effective insurance coverage. We are also committed to honour all claims within the policy coverage for settlement within 'Hours' no sooner it is finalized with bare minimum formalities. We wish to see you personally so that we can give you a better insight on your Insurance Portfolio. Kindly let us know the most convenient time for personal discussion regarding your Insurance Portfolio Management. Looking forward to serve you at our very best. Thanking You, With Regards

Vishal Purohit Authorized Insurance Consultant (Corporate Mktg.) Mo-98240 74023

LIST OF OUR ESTEEM CLIENTS LARSEN AND TOUBRO ISPAT ALLOYS KRISHAK BHARATI CO-OP. LTD. INDIAN FARMER FERTILIZERS CO-OP. LTD. RELIANCE JAMNAGAR HALDIA PETROCHEMICALS ALEMBIC LTD. NAGARJUNA FERTILIZERS STEELCO GUJARAT FASCEL LTD. MARUTI UDYOG LTD. MARUTI SUZUKI DUNKEN INDUSTRY ANDRA POWER TATA ENERGY RESEARCH INSTITUTE MOLAN POWER PROJECT TOYOTA HONDA BELL GRANITO INDIA LIMTED SAVANA CERAMICS ALSTOM PROJECTS (INDIA) LTD MATRIX TELECOM SAMEER LINKAGES VFC INDUSTRIES NEW GUJARAT TIN CIRCLE PVT LTD DEVIDAYAL AGRO SEW URO DRIVE AMRELI ZILLA MADHYAST SAHAKARI BANK LIMITED APAR INDUSTRIES LTD (POLYMER) AMOLI ORGANICS LTD ZYDEX INDUSTRIES

Service Level Time Frames

Surveyor appointment Surveyor visit Preliminary report, if necessary: Response to enquiry reply Part Payment Processing

Same working day Maximum 48 hours of notification Maximum 5 working days of survey Maximum 5 working days (or else reasons for delay) Within 2 working days of receipt of preliminary survey report and submission of required information / documents from insured 1 working day Within 10 working days of submission of required information / documents from insured Maximum 2 working days Max. 10 working days Within 1 working day of receipt of final discharge

Part payment approval Final survey report

Final processing Final approval Payment