ADITYA BIRLA SUNLIFE INSURANCE

Company Profile
Established in 2000, Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla Group, a well known and trusted name globally amongst Indian conglomerates and Sun Life Financial Inc, leading international financial services organization from Canada. The local knowledge of the Aditya Birla Group combined with the domain expertise of Sun Life Financial Inc., offers a formidable protection for its customers future. With an experience of over 9 years, BSLI has contributed significantly to the growth and development of the life insurance industry in India and currently ranks amongst the top 5 private life insurance companies in the country. Known for its innovation and creating industry benchmarks, BSLI has several firsts to its credit. It was the first Indian Insurance Company to introduce Free Look Period and the same was made mandatory by IRDA for all other life insurance companies. Additionally, BSLI pioneered the launch of Unit Linked Life Insurance plans amongst the private players in India. To establish credibility and further transparency, BSLI also enjoys the prestige to be the originator of practice to disclose portfolio on monthly basis. These category development initiatives have helped BSLI be closer to its policy holders expectations, which gets further accentuated by the complete bouquet of insurance products (viz. pure term plan, life stage products, health plan and retirement plan) that the company offers. Add to this, the extensive reach through its network of 600 branches and 1,75,000 empanelled advisors. This impressive combination of domain expertise, product range, reach and ears on ground, helped BSLI cover more than 2 million lives since it commenced operations and establish a customer base spread across more than 1500 towns and cities in India. To ensure that our customers have an impeccable experience, BSLI has ensured that it has lowest outstanding claims ratio of 0.00% for FY 2008-09. Additionally, BSLI has the best Turn Around Time according to LOMA on all claims Parameters. Such services are well supported by sound financials that the Company has. The AUM of BSLI stood at Rs. 8165 crs as on February 28, 2009, while as on March 31, 2009, the company has a robust capital base of Rs. 2000 crs.

Vision To be a leader and role model in a broad based and integrated financial services business. Mission To help people mitigate risks of life, accident, health, and money at all stages and under all circumstances Enhance the financial future of our customers including enterprises Values Integrity Commitment Passion Seamlessness Speed

Management Team
Mr. Jayant Dua Managing Director

Mr.Jayant Dua is the Managing Director at Birla Sun Life Insurance. He is a Chemical Engineer from IIT Delhi and an MBA from IMI, Delhi. He also holds an Advanced Management Program (AMP) from Harvard Business School, USA. He has joined Birla Sun Life Insurance in July 2010. In his role as Managing Director, he provides Birla Sun Life Insurance a strategic direction and leads the insurance team towards achieving rapid growth and profitability. He focuses on long term sustainability while being nimble footed and using the multi-faceted regulatory environment to business advantage. Prior to this, Jayant spearheaded Aditya Birla Insulators (ABI) in the capacity of President & CEO and was responsible for expanding ABI's customer base nationally and internationally while positioning the organization as a leader globally. He has been associated with the group for the last 14 years and as CEO of ABI, he has been instrumental in making the ABI business the fourth largest in its segment globally. Prior to his appointment with the Insulators Business, Mr.Dua spent close to a decade in Groups' Cement Business in capacities as diverse as Marketing, IT and Strategy.

Mr. Mayank Bathwal Chief Financial Officer

Mayank Bathwal is the Chief Financial Officer for BSLI. In his current role he provides effective leadership to the finance function towards growing the business of the company and partners the CEO and the leadership team in managing the affairs of the company. Mayank joined The Aditya Birla Group in early 1994 with over 15 years of industry experience with him. Since then, he has worked closely in various units and projects of the group including fertilizer and copper smelting units, financial services business and power projects.

He joined Birla Sun Life Insurance in December 1999 as part of the project team to set up the life insurance venture and was looking after the business strategy and planning function prior to taking charge of other finance operations of the company. Mayank then moved to take charge as the Chief Financial Officer of Sun Life, Indonesia in June 2006. He moved back to India in June 2007 after his successful stint in Indonesia for a year with the objective of supporting BSLI in its transformational phase. He is a Fellow member of The Institute of Chartered Accountants of India and the Institute of Cost & Works Accountants of India and an Associate Member of the Institute of Company Secretaries of India.

Mr. Amitabh Verma Chief Operating Officer

Amitabh Verma is the Chief Operating Officer for BSLI. He is responsible for determining the organizational strategies for Operations and IT and reports to the President and CEO of the company. He is with BSLI since February1, 2008 Amitabh is an Engineer and MBA by profession and has over 18 years of experience. He has held senior leadership positions in the IT and Financial Services Industry. Prior to joining BSLI, Amitabh was Vice President with AIG (Asia Pacific Life Operations), Hong Kong.

Mr. Fabien Jeudy Chief Actuarial Officer & Appointed Actuary

Fabien Jeudy is the Chief Actuarial Officer & Appointed Actuary for BSLI and is responsible for all actuarial functions within the company. He can rightly be called the father of 'Unit linked Insurance Plans' in India amongst the private players. He was actively involved in the architecture/ design of Unit Linked Plans of BSLI that were filed with the IRDA at the time of business commencement in the year 2001. Fabien is a fully qualified actuary under the Canadian Institute of Actuaries, the Society of Actuaries (United States) and the Institute of Actuaries of India. He received his Bachelor of Mathematics in Actuarial Science in 1990 and is a fellow of the Actuarial Society of India, Society of Actuaries and the Canadian Institute of Actuaries. Fabien has 19 years of experience in various parts of the world, including Canada, United States, Indonesia, Philippines, Hong Kong and India.

Mr. Vikram Kotak Chief Investment Officer

Mr. Vikram Kotak is a qualified Chartered Accountant with over 15 years of experience in debt and equity markets, corporate finance and research. Kotak currently oversees the Equity and Fixed Income AUM at BSLI (approximately US $ 1.9 billion of funds). Before joining BSLI, Mr. Kotak was President, Equity Business with Techno Group for two years. He was a part of the core management team and led the groups foray into institutional brokerage and the portfolio advisory business. Before Techno, Kotak gained expertise with Birla Group for seven years in Fixed Income Trading, Corporate Finance and Treasury. Kotak is a member of the Capital Market Committee at Indian Merchant Chambers. He was also a member of the Working Group Committee on Investments formed by Insurance Regulatory and Development Authority (IRDA). He has also served as Member, Debt Market Committee of Bombay Stock Exchange during 2002-04. He has been part of the Task force formed by Securities and Exchange Board of India (SEBI) for retailing of government securities. He was also a part of the managing committee of Fixed Income Brokers Association (FIBA) between 2002 and 2004. He has also been a Guest faculty at BSE Training Institute and Indian Merchant Chambers.

Mr.Pramod Krishnamurthy Chief Technology Officer

Pramod Krishnamurthy is the Chief Technology Officer for BSLI responsible for providing the crucial Technology edge to enable BSLI to differentiate itself positively in the marketplace and reports to the CEO of the company. He joined BSLI team on May, 03 2010. Pramod Krishnamurthy is an IIT-IIM graduate and has over 20 years of work experience in the Financial Services Technology area. He has held several senior leadership positions in the IT and Financial Services Industry, including running his own software company early in his career.Prior to joining BSLI, Pramod was an Executive Vice President with Fullerton India Credit

Ms. Vinni Soni Head Group Business

Vinni heads the Group Insurance business for BSLI. She joins us from Sun Life Financial, Toronto, Canada with over 30 years of experience in Group Benefits. Over the span of her career, Vinni has led several departments - Financial underwriting, Business Development, Marketing, and Operations. Her expertise is in building sound businesses with a distinct focus on creating value for the customers. During her previous assignment, she has been successful in creating a new brand in the market called SunAdvantage for SME's in Canada. The business has continued to grow over the past 7 years at higher than market rates while at the same time steadily increasing its profits.Today, SunAdvantage has achived no. 3 position in the market and the brand is widely recognized for excellence in service and products. Vinni is a Science graduate and holds multiple certificates from prestigious institutions like Harvard and Wharton.

Mr. Saurov Ghosh Head & Executive Vice President Human Resources

Saurov Ghosh is Head & Executive Vice President - Human Resources. Saurov is an enthusiastic, talented and seasoned HR professional. His subject matter expertise, strong relationship, influencing skills and business HR approach provides a sound basis for success in his role as Head & Executive Vice President Human Resources. Saurov is with BSLI since January 2008. Saurov joins us from Yes Bank, where he was Sr. Vice President Human Capital and was responsible for the Human Capital function for the Retail Banking Business. Prior to joining Yes Bank, Saurov worked with a HDFC Standard Life Insurance since its initial period and had played a major role for implementing the Human Resource strategy to help drive the overall business agenda for the company. He also has varied experience in manufacturing industry with the Kirloskar Group & CEAT ranging to a career span of 15 years in Human Resources.

Mr. Lalit Vermani Vice President Compliance Risk and Internal Audit functions

Lalit Vermani is a Vice-President at BSLI, heading the Compliance, Risk and Internal Audit functions for the company. He has 17 years of experience in various areas of Financial Services including Insurance, Asset Management and Investment banking. Prior to this assignment, Lalit was heading the compliance function at Birla Sun Life AMC Ltd. Lalit has an honours degree in Economics and MBA with specialisation in Finance. He is also a certified Financial Risk Manager (FRM) by Global Association of Risk Professionals.

Mr. Puneet Bansal Legal & Company Secretary

A gold medalist in Law and a Company Secretary, Puneet's areas of specialization are setting up of robust legal processes, corporate governance and compliance. Puneet has gained varied experience over 13 years, beginning his career with Radico Khaitan and then completing a 7-year stint with the RPG Group in the areas of Legal, Secretarial and Finance. Thereafter, he spent 2 years with KPIT Cummins where he was actively involved in their M&A activities and creation of a global compliance monitoring process. He was also instrumental in securing a Golden Peacock Award for Excellence in Corporate Governance for KPIT Cummins and its enlistment among top 25 best governed companies (as per the Institute of Company Secretaries of India), for two consecutive years, during his tenure.

Board of Directors
Mr. Donald Stewart

Mr. Donald A. Stewart graduated from the University of Glasgow in 1968 with first class honours in Natural Philosophy. He joined Sun Life Financial in 1969 in London, England, and qualified as a Fellow of the Institute of Actuaries in 1972. In 1974, he left the Company to pursue a career in benefits consulting, ultimately joining William M. Mercer in Toronto. Mr. Stewart rejoined Sun Life Financial in 1980 with overall responsibility for the Canadian pension division, where he led six years of rapid growth. In 1986, Mr. Stewart led the project team to launch the Company's Canadian mutual fund operation. From 1987 to 1992, Mr. Stewart held overall responsibility for information Technology at Sun Life Financial. During this period, he completed the Advanced Management Program at Harvard Business School. As Chief Executive Officer of Sun Life Financial's trust operations from 1992 through 1995, Mr. Stewart restored profitability via re-structuring and re-engineering. In May 1995, Mr. Stewart was appointed Senior VicePresident & Chief Actuary. His appointment as President & Chief Operating Officer followed in 1996. Mr. Stewart was appointed Chief Executive Officer of the Company in April 1998. Then, in March 2000, he led the demutualization of Sun Life Assurance Company of Canada with the successful IPO of Sun Life Financial on the Toronto, New York and Philippine stock exchanges. He is a member of the Board of MFS Investment Management and Sun Life Assurance Company of Canada (U.S.).

Mr. Kumar Mangalam Birla

Mr. Birla is a Chartered Accountant and has also earned an MBA (Masters in Business Administration) from the London Business School, London. He is the Chairman of the Aditya Birla Group, which is among India's largest business houses. Among its major companies in India are Grasim, Hindalco, UltraTech Cement, Aditya Birla Nuvo and Idea Cellular and globally Novelis, Minacs, Aditya Birla Minerals, Aditya Birla Chemicals. Its JV operations include Birla

Sun Life Asset Management Company, Birla Sun Life Distribution Co. Ltd and Birla Sun Life Insurance Co. Ltd. The media has showered various accolades on him. Between 1997 to-date, India Today has named him among the top 5 in their "High and Mighty" Power List and The Economic Times - among the top 10 most influential Leaders. The NDTV, Star Plus "India Business Week" designated him as "The Businessman of the Year". Global Finance has cited him among the 10 Super Stars of Corporate Finance. Business World ranked him among the top 10 of India's most admired and respected CEOs and the top CEO of the coming millennium, and Hindustan Times named him as "The Businessman of the Year" as well. He is also on the Board of various companies

Mr. Jayant Dua

Mr.Jayant Dua is the Managing Director at Birla Sun Life Insurance. He is a Chemical Engineer from IIT Delhi and an MBA from IMI, Delhi. He also holds an Advanced Management Program (AMP) from Harvard Business School, USA. He has joined Birla Sun Life Insurance in July 2010. In his role as Managing Director, he provides Birla Sun Life Insurance a strategic direction and leads the insurance team towards achieving rapid growth and profitability. He focuses on long term sustainability while being nimble footed and using the multi-faceted regulatory environment to business advantage. Prior to this, Jayant spearheaded Aditya Birla Insulators (ABI) in the capacity of President & CEO and was responsible for expanding ABI's customer base nationally and internationally while positioning the organization as a leader globally. He has been associated with the group for the last 14 years and as CEO of ABI, he has been instrumental in making the ABI business the fourth largest in its segment globally. Prior to his appointment with the Insulators Business, Mr.Dua spent close to a decade in Groups' Cement Business in capacities as diverse as Marketing, IT and Strategy.

Mr. Ajay Srinivasan

Mr. Srinivasan holds a Bachelor of Arts degree with Honours in Economics from St. Stephens College, University of Delhi and an MBA from the Indian Institute of Management, Ahmedabad. He is the Chief Executive, Financial Services and Director, Corporate Strategy and Business Development at the Aditya Birla Group since July 2007.

In his role as Chief Executive, Financial Services, Aditya Birla Group, he sets the strategic direction and vision and provides operational leadership for the Group's Financial Services business. In his role as Director, Corporate Strategy and Business Development, he directs and strategies on business portfolio issues for the Aditya Birla Group focusing on the long-term sustainability, profitability and value creation of the Group's businesses. Prior to joining the Aditya Birla Group, Mr. Ajay Srinivasan was associated with Prudential Corporation Asia, Threadneedle Asset Management, etc. at senior levels. With a proven track record for building successful businesses, his experience in the financial services industry spans almost two decades.

Mr. Bishwanath Puranmalka

Mr. Puranmalka is a commerce and law graduate and also a Fellow member of the Institute of Chartered Accountants of India and Institute of Company Secretaries of India. He is the Director of Aditya Birla Group's Financial Services and has a total working experience of more than 45 years. He has been associated with the Aditya Birla Group in various capacities since the inception of his career. He has a rich experience in implementation and running of several manufacturing, training, service industry business and setting up Greenfield manufacturing operations. He is on the Board of various companies.

Mr. Dikran Ohannessian

Mr. Dikran Ohannessian completed his Harvard University Program for Management Development at the Harvard University after a degree in Science (mathematics) from McGill University. He joined as the President of Sun Life Financial Asia in January 2010 and is responsible for the Asia Regional Office and for Sun Lifes joint venture interests in India and China. Dikran joined Sun Life Financial in 1976 and has held numerous leadership positions within the organization. He has successfully led Individual insurance and Group Benefits businesses in Canada. He established and oversaw the joint venture life insurance operations in China. He has worked in several markets including Canada, China, Hong Kong and Philippines amongst others. Mr. Dikran is well-versed with various facets of the life insurance business including individual, group benefits, financial planning and analysis, integration, corporate restructuring, shared services and ventures; as well as the asset management company operations. Prior to assuming leadership position, he worked in the individual life business with special areas of focus being underwriting, policy issue and policy administration. In Group Benefits, he worked in large case sales and underwriting as well as Group Actuarial. He has led various functions in Sun Life Financial, including the role of CFO of the Canadian operations; the successful integration of Clarica Life Insurance Company (Canada); the launch of Shared Services; the demutualization of the Company; review and strengthening and business practices. He has also served terms on joint ventures (JVs) such as SNS Shared Health Network Services Ltd., Preferred Vision Services; Dental Maintenance Organisation and Sun Life Benefits Management Company amongst others.

Mr. Gian Gupta

Mr. Gupta holds a Masters in Commerce from University of Delhi. He is a director on the Board of the Company and is the independent director on the Board of Aditya Birla Nuvo Limited (holding company of BSLI). He is also a member of the Audit Committee, Finance Committee and Share Allotment Committee of the Company. Mr. Gian Prakash Gupta has been the former Chairman and Managing Director of Industrial Development Bank of India & Chairman of Unit Trust of India. He has wide and rich experience in Project Financing including Infrastructure projects, Capital Market, Financial Management and General Management. He is on the Board of various companies.

Dr. Rakesh Jain

Born in January 1961, Dr Jain is an M.Tech from IIT, Kharagpur and has done his Ph.D in Polymer Science & Engineering from Akron University (USA), 1988. Dr. Rakesh Jain has assumed the responsibility as the Managing Director of Aditya Birla Nuvo Limited since July 1, 2009. Dr. Jain has been associated with the Aditya Birla Group since 2003 and brings to the table an enriching experience across industries. Prior to this, he served as the Managing Director of Indo Gulf Fertilisers Ltd. since 1st August, 2003 and as a Business Director of Business Process Outsourcing & Software at Aditya Birla Nuvo Limited since July 1, 2009. Dr. Jain has also assumed the tenure of Joint Managing Director of Aditya Birla Nuvo Limited for the period December 17, 2008 - June 30, 2009. Dr. Jain has also acted as the Head of Carbon Black Business at Aditya Birla Group Co. (alternate name Aditya Birla Management Corporation Ltd.) for the period March 2005 - June 30, 2009. He has served as Executive President of Indo Gulf Fertilisers at Aditya Birla Nuvo Limited and also as the Business Director of Hi-tech Carbon at Aditya Birla Nuvo Limited until June 30, 2009. Besides this, Dr. Jain has also served as the President and Chief Executive Officer of GE Plastics India Ltd and in the capacity of a Whole Time Director of Aditya Birla Nuvo Ltd. since April 3, 2006. Before joining Aditya Birla Group, Dr. Jain held the position of President and CEO of GE Plastic, India & South Asia in 2001. He spearheaded the digitization effort at Global GE Plastics in 2000 after working at senior positions in various departments of the company. He had joined GE Plastics in its advanced technology group in 1988.

Mr. Suresh Talwar

Mr. Talwar is a commerce graduate and has done his L.L.B. He practices as a solicitor. He is a partner of M/s Talwar, Thakore & Associates, a law firm he has founded in partnership with Shobhan Thakore. He was also associated with M/s. Crawford Bayley & Company prior to his forming his firm of Advocates. He also acts as a legal counsel to numerous Indian companies, multinational corporations, Indian & foreign banks. His professional specialisation is in corporate law, corporate tax, foreign exchange laws, Monopolies & Restrictive Trade Practices laws, & international issue of securities by Indian companies. He also holds the directorship in several eminent public & private limited companies.

Mrs. Tarjani Vakil

With over four decades of experience in development banking, Mrs. Vakil has held directorship of several renowned public sector companies such as LIC, GIC, ECGC and BHEL amongst others. Mrs. Vakil started her career with Maharashtra State Finance Corporation (MSFC) in 1958 and assumed several responsibilities till she was assigned the responsibilities for the post of Assistant Secretary in 1965. She moved from MSFC to join Industrial Development Bank of India (IDBI) in 1965. After an illustrious seven-year stint at IDBI in the capacity of a Deputy General Manager, she joined EXIM Bank of India as General Manager in 1982. After a long - distinguished tenure of 16 years in EXIM Banks, she retired as Chairman and Managing Director (CMD) in 1996. Post her retirement, she is now a member of the board and sub committees of the board of various private sector companies.

Mr. Venkatesh Mysore

Mr. Mysore holds a BA with Honours in Economics and an MBA from University of Madras. He also holds the professional designation of Chartered Life Underwriter (CLU) American College, Philadelphia, PA. He is the

Vice-President and Country Head, India of Sun Life Financial-Asia since January, 2007. Prior to this, Mr. Mysore was the CEO & Managing Director of MetLife India. He was responsible for the startup of the India venture. Mr. Mysore spent over 21 years with MetLife. He immigrated to the U.S.A. in 1985 and joined MetLife as a sales representative. Since then, he held several positions of increasing responsibility within MetLife. Mr. Mysore was the Chairman of The American Chamber of Commerce (AMCHAM) Bangalore Chapter for the year 2002 2003. Several new members were inducted during his tenure. The AMCHAM invitational Golf Tournament was one of the many well-appreciated events rolled-out under his leadership. Other noteworthy contributions included arranging interactive sessions with key industry leaders and academicians as well as community and social drives. He was also a member of the Executive Committee of AMCHAM Bangalore. He is currently a member of the Young Presidents Organisation Mumbai Chapter.

Committees
Asset Liability Management Committee Mr. Ajay Srinivasan; Non - Executive Director Mr. Fabien Jeudy; Chief Actuarial Officer & Appointed Actuary Mr. Jayant Dua; Managing Director Ms. Keerti Gupta; Head - Investment Risk Management & Operations Dr. Rakesh Jain; Non - Executive Director Mr. Mayank Bathwal; Chief Financial Officer Mr. Vikram Kotak; Chief Investment Officer Mr. Venkatesh Mysore; Non - Executive Director Audit Committee Mr. Gian P. Gupta - Independent Director & Committee Chairman Mr. Ajay Srinivasan; Non - Executive Director Mr. Bishwanath N. Puranmalka; Non - Executive Director Mr. Dikran Ohannessian; Non - Executive Director Mr. Jayant Dua; Managing Director Ms. Tarjani Vakil; Independent Director Mr. Venkatesh Mysore; Non - Executive Director Investment Committee Mr. Ajay Srinivasan; Non - Executive Director Mr. Fabien Jeudy; Chief Actuarial Officer & Appointed Actuary Mr. Jayant Dua; Managing Director Dr. Rakesh Jain; Non - Executive Director Ms. Keerti Gupta; Head - Investment Risk Management & Operations Mr. Mayank Bathwal; Chief Financial Officer

Mr. Vikram Kotak; Chief Investment Officer Mr. Venkatesh Mysore; Non - Executive Director Risk Management Committee Mr. Gian P. Gupta - Independent Director & Committee Chairman Mr. Ajay Srinivasan; Non - Executive Director Mr. Jayant Dua; Managing Director Mr. Venkatesh Mysore; Non - Executive Director Ms. Tarjani Vakil; Independent Director Policyholders' Protection Committee Mr. N. N. Jambusaria; Committee Chairman Mr. Amitabh Verma; Chief Operating Officer Mr. Fabien Jeudy; Chief Actuarial Officer & Appointed Actuary Mr. Jayant Dua; Managing Director Mr. Lalit Vermani; Vice President - Compliance, Risk & Internal Audit Mr. Mayank Bathwal; Chief Financial Officer Mr. Puneet Bansall; Head- Legal & Company Secretary Mr. Vikas Seth; Head Sales Finance Committee Mr. Ajay Srinivasan; Non - Executive Director Mr. Bishwanath N. Puranmalka; Non - Executive Director Mr. Gian P. Gupta; Independent Director Ms. Tarjani Vakil; Independent Director Mr. Venkatesh Mysore; Non - Executive Director Share Allotment Committee Mr. Bishwanath N. Puranmalka; Non - Executive Director Mr. Gian P. Gupta; Independent Director Mr. Suresh N. Talwar; Independent Director Mr. Venkatesh Mysore; Non - Executive Director

Business Continuity Plan

Birla Sun Life Insurance is one of the few Indian companies to have a fully operational Business Continuity Plan (BCP) to ensure minimal impact to the organisation, its people, and most importantly, its customers. Our Business Continuity Planning (BCP) Program is a response plan which would ensure that in the event of a disaster we would be able to restore and recover operations for critical processes within a predetermined time after the disaster. BSLIs Business Continuity Management Policy To have a planned response in the event of any contingency ensuring recovery of critical activities at agreed levels within agreed timeframe thereby complying with various regulatory requirements and minimizing the potential business impact to BSLI. Additionally to create a system that fosters continuous improvement of business continuity management Business Continuity Management System Objectives (BCMS): The objectives of BSLI's BCMS are as follows Ensuring a Proactive response to any contingency Ensuring recovery of identified critical activities within agreed timeframe. Ensuring that we adhere to our clients, contractual, legal & regulatory requirements. Programme Overview As part of our Business Continuity Plan, we have a documented crisis response and recovery procedure for quick response and stabilisation of the situation, and a business continuity procedure to ensure recovery. Highlights of our Plan Document: Crisis Management & incident response Data back-up, data and system recovery Recovery of all mission-critical business functions and supporting systems Alternate recovery sites if primary location is unavailable Communication with customers, employees and other stakeholders Assurance to customers that they will continue to receive optimum customer services at all times Our Commitment Risk Assessment & Business Impact Analysis (BIA) annually. Business Continuity Plan for HO & its Critical branches. Crisis Management Plan & Pandemic Response Plan at a corporate Level. Business Continuity Plan Testing ensuring viability of all its plans. The activities set forth above may evolve as business and regulatory needs require.