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Group

The

Better Life

Higher Dream

Happy Future

CEO’s Message

AplusGroup Vision

AplusGroup Introduction

Aplus Assets

Aplus Life

Aplus Realty

Aplus Mortgage

Aplus Claims

Community at heart

AplusGroup History

04

06

08

10

16

20

22

23

24

26

Ful�lling Customer Dream

Contents

Truthful and Transparent AplusGroup

TheBetter Life

higher DreamHappy Future

We Create New Future

Values.

CEO’s Message

A+ Group

04-05 CEO’sMessage

We are committed to be reborn as a

creative leader, fulfilling social

responsibilities while

touching our customers and

remaining trusted and beloved

by them.

AplusGroup, the Corporate Group FulfillingDreams and Providing Happiness towardCustomers’ Better Lives

Thanks to support of our customers, AplusGroup is growing as「The Total Life Care Group」 representing the Republic of Korea.

Since founding Aplus Assets in September 2007, AplusGroup has seamlessly challenged and pioneered to achieve growth in many areas in our customers’ lives including finance, real estate, mutual aid and cell banking.

We the 6,000 employees of AplusGroup; have committed our hearts and souls with a new and improved look under our ardent desire to meet ever changing customer needs. All employees of AplusGroup have firmly shared awareness that customer service spirit based on integrity and transparency is the core value of competitiveness, and which has proudly taken root as our corporate culture.

Not only providing products and services with which customers are fully satisfied, but also through ethical management, we are committed to continue our endless efforts until we reach our paramount, global, corporate level of social responsibility.

Thank you.

Geun Ho Gwak, Chairman of AplusGroup

Truthful and Transparent AplusGroup Fulfilling Customer Dreams

Overview

Mission

Vision

AplusGroup

Strives for Our Goal of Value Creation by Seamless Enthusiasm

AplusGroup Is Committed to Make the Company Opening a

Prosperous Future for Both Customers and Public – Your Strong

Partner in the Beautiful World.

Implemented Portfolio and System to Provide Total Life Care Service

A+ Group

06-07 A+GroupVision 2020

World Best Total Life Care Group

AplusGroup

VISION 2020

Since Aplus Assets was founded in September 2007 to lead a new customer oriented financing culture free from the seller oriented financial environment, AplusGroup has grown as a company specializing in financial product sales. In addition to providing optimal financial solutions to our customers, we are competent in consulting for total asset management including taxes, legal-related matters, real estate and loans as well as providing the top differentiated and branded mutual aid service called ‘Hyodam’. Further, we have entered the new biotech sales business based on the exclusive sales rights for Cell Banking of True Life Insurance Bank. AplusGroup has built its standing as 『The Total Life Care Group』.


Key Strategies

Ethical Code

Core Values

Great Challenge forBest Value

To Optimize Management Infrastructure

To Maximize Customer Value

Strengthen New Growth Engine Base

Enterprise Going Together

Change + InnovationSharing = HappinessIntegrity & Transparency

• To implement a new organizational culture of our own and to foster human resources• To strengthen risk management competence suitable to business portfolio and asset increase• To establish highly efficient infrastructure for business process performance

• To strengthen brand image to boost customer credibility and loyalty• To strengthen TOTAL LIFE CARE for customer satisfaction• To grow into a company in which social responsibility and respect act as leading operators

• To strengthen global business step by step to overcome domestic market limitation• To innovate and challenge to secure new growth opportunities

We, AplusGroup, try our best to make the leap to become the nation’s best truthful and trans -parent company.

Sharing = Happiness

We, AplusGroup, are fully aware of the beautiful equation of sharing and pursue a greater happiness through seamless sharing.

Continuous Innovation for Future Value

As“the Enterprise Going Together”, AplusGroup is committed to creating an enterprise which contributes to the public interest and fulfills social responsibilities by not only creating maximum rewards and values for our customers, shareholders and employees but also actively accepting social codes of living together.

We, AplusGroup, seamlessly change into the nation’s top total financial asset management consulting service.

Business Areas

Aplus Assets provides a total financial asset consulting service to meet 100% of customer needs.

Founded in September, 2007

Aplus Life provides the warm touch of the Total Life Care Service for a healthy and happy life.

Founded in February, 2009

Founded in May, 2009

Our top loan consultants of Aplus Mortgage provide the best financial (loan) services to all customers.

Founded in June, 2011

Along with customer touch, Aplus Claims provides a highly reliable and objective insurance investigation service of sound insurance culture

Founded in June, 2011

Aplus Realty provides realty services including investment consulting, management, auction and public sales along with real estate representation.

A+ Group

08-09 A+GroupIntroduce

We are committed to provide the best services and to create value for customers.

We prepare a new happiness of people all over the world with the unusual passion of integrity.

smarter

We realize sustainable growth with smarter strategies.

We make a better world with the besttotal life care.

We bring the world closer by activesustainable management.

better

closer

higher

integrity

is committed to achieving the

maximized National Top Business value

and to actively fulfill social responsibilities

by transparent and creative management.

Social Responsibility

Enterprise of Social Responsibility

Total Financial Consulting ServiceSelling various types of insurance, savings and investment products of the company to customers by comparison and analysis

www.aplusassetadvisor.com

Representative Company ofCustomized Asset ManagementConsulting Services

·Top Revenue Record in domestic financial sales

·10,000 people of TFA

·Super premier sales channel with 5,000 people of MDRT

·Top Customer Satisfaction in the financial industry

1,2452,434

as of FY 2011

as of the end of March 2012

billion KR Won(revenue)

people (total enrollment)

Aplus Asset’s Vision 2020

From Today’s Happiness to Tomorrow’s Hope,

Aplus Assets goes with our customers.

Advanced Financial Solutions

Total Life Care

“Life Sale” other than Product

One Stop Shopping

Financial planning and total financial consulting

Customized Total Financial Service

Financial Department Store

Founded in September, 2007, Aplus Assets is stepping up as the top domestic

financial products sales company today. The company provides customized

asset management consulting for every individual customer to meet various and

complex customer needs in insurance, funds, real estate and taxation.

Total Financial

A+ Group

10-11 AplusAsset

Aplus Assets is a company specialized

in sales of advanced financial products,

providing optimal total financial consulting

to customers by analyzing financial

products from life and property insurance

companies.

The service operating the CFG group to meet various and complex customer needs in insurance, funds, real estate and taxation; developing a customized asset management plan for every individual customer with a group of top domestic professionals.

Consulting Service means

Change in Financial Market

·One -Stop Customer ServiceBirth of Aplus Assets, the Independent Financial Sales Firm

·Customer Consulting Product Service

[Europe]

[USA (GA)]

Overseas Advanced GA / IFA

(Market share % as of 2006)Life Insurance Sales Share by Channels

The record of life insurance sales ratio by channels in 2006 depicts that the sales share through independent agents is over 50%.

Life Insurance Sales Share by Channels

Representative Sales Specialized Companies

M Financial Group National Financial Partners The Crump Groupwww.mfin.comFounded in 1978Revenue as of 2010:1.2 billion dollars

www.nfp.comFounded in 1998Revenue as of 2010:980 million dollars

www.crumplifeinsurance.comFounded in 1920Revenue as of 2011:450 million dollars

Life Insurance Sales Share by Channels

British channel of independent financial advisors occupied more than 2/3 of total life insurance product sales in 2005 and has maintained more than 63% share since 2001.

www.sesame.co.uk

Founded in 1993

Revenue as of 2010:300 million pounds

Sesame

Affiliated financial firms

Source : LIMRA

38%

8%

2%

52%

Direct sales of insurance companies

Exclusive agents of insurance companies

Agents and private independent

(Market share % as of 2004)

Exclusive

Source : Statistics of ABI

source : each company’s homepage

source : each company’s homepage

28%

9%

63%

Direct Sales

Independent financial advisors

GA and IFA MeanAplus Assets

General Agency / Independent Financial Advisor

ConsumersRecommending and selling products mainly of exclusive

affiliated firms

Conventional Financial

Firms

www.awd-gruppe.de

Founded in 1988

Revenue as of 2010:547 million Euros

AWDwww.mlp-ag.com

Founded in 1971

Revenue as of 2010:497 million Euros

MLP

GA (General Agency) is the channel

specialized in financial product sales,

which is generalized in financially advan

-ced countries. It means the company

providing total asset management

consulting services by selling insur-

ance, saving and investment products

from various firms by comparing and

analyzing them as not affiliated to any

specific financial firms.

GAGeneral Agency

Financ

ial

Firm C

Financ

ial

Firm B

Financ

ial

Firm A

Recommending and selling optimal products by comparing and analyzing

products of all of the financial firms

Consumers


Diversified Sales Channels

Complex Financial Consumption PatternOrder made products are needed

Increase in Investment ProductsIncreased demand in complete sales

Change in Financial Environment Increased need for total asset management

Increase of the RichDifferentiated Customer Needs

Proliferated Desire to Compare and Purchase Products

Consumer OrientedMarket Reorganization

88.783

as of FY 2011

as of the end of March, 2012

% (13th month retention rate)

branches

Customer Satisfaction Index

● Operating the academy center dedicated to education regarding life and property

insurance (2 weeks compulsory training)

● Operating the TFT center dedicated to fostering rookies (2 months compulsory training)

● Operating the EM (Educational Manager) system of professionals fostering rookies

Systematic Foster System

[Comparison of TFA Productivity]

Productivity per capita

Company A

Company B

※ Monthly average during October ~ December, 2011,

The monthly payment insurance premium is based on long term life and property insurance

[Revenue Trend – Converted Insurance Premium]

Market average

88.7%

79.1%

20,229million

2,341million

8,054million

13,299million

15,412million


A+ Group

12-13 AplusAsset

TFA Means

It means the total financial advisor

supporting individuals and businesses

to achieve their financial goals by

providing an efficient management

service of customer assets.

Total Financial Advisor

801,000


313,000


170,000

Aplus Assets has maintained sales strategies

and investment from customers’perspective

by affiliating products with 17 life and property

insurance companies, training and strengthening

compliance. According to the results, the

company recorded a 13 month retention rate,

one of the key customer satisfaction indices,

10% or higher than market average, and

accordingly revenue has grown dramatically.

Aplus Assets Market average

※ Aplus Assets : As of april 2012

FY2007 FY2008 FY2009 FY2010 FY2011

※ Based on month payment converted insurance premium

Aplus Assets

CFP Means

Certified Financial Planner

Retirement plan

Investmentplan

High income professional

Insurance Taxation Legal Realty

One -Stop Service

27 life and propertyinsurance companies

Tax Firm Joy BOM Aplus Mortgage

Your own financial doctor, helping

you to achieve your financial goals.

Conducting a financial plan which

includes investment, insurance,

retirement, taxation, inheritance and

real estate planning.

Person holdingreal estate

Personalizedand Customized

Consulting

Corporate CEO

Inheritance/succession

plan

Riskmanagement

plan

Private businessperson


CFP / Top Support System in the Financial Market

CFP Center

One-Stop Total Asset Management Consulting

[Built VIP total asset management consulting system by the CFP center]

Personalized and

Customized Consulting

CFP centers capable of total financial planning in the areas of real estate, investment, taxation, accounting, legal affairs and insurance (in Seoul, Busan, Daegu and Gwangju)

CFP (Certified Financial Planner) Center

※Typical Solutions of the CFP Center

1. Aggregate taxation on finan -cing income (Tax exempt Plan)

2. Corporate Total Solutions

3. Inheritance Plan4. Real Estate Investment Consulting

Customized Products

Sales Support System

Operation of Aplus Assets Lounge


3341

order made products

number of lounges

kinds

sites

Various Customer Needs

With Aplus Assets’ unique 33 ‘order made’ products, the company provides products fitting customer needs.

Computer System Investment Seminar Golf Marketing

Security Analyst Team, CFP Center Corporate Sales Support

Lounge

The comfortable and convenient, financial

service space for visitors prepared by

Aplus Assets. It is the advanced Total

Service Space where top insurance

products are customized and designed

in the best conditions for customers

Affordablepremiumproduct

Product ofhigh

liquidity

Pension product of pure

purpose

Product of excellent protection

l Apartment Complex l Shopping District l Hospital l Hypermarket

The Aplus Assets lounge is the space for personalized asset management consulting service where customers get ONE STOP service for product introduction and protection service counseling by each insurance company easily and comfortably in one place.

AplusAsset

Lounge

A+ Group

14-15 AplusAsset

- As of July 2012

on F

inan

cial P

lanning

Tota

l Fin

ancial C

onsul

ting

Aplus Assets

�P�r�o�d�u�c�t

�P�e�o�p�l�e

�P�r�o�g�r�a�mSystematic Education System

Total Risk Management Service

Special Training for BC Team Saturday Special Topic EM Competency Training

Basic Advanced

·Introductory course

for career rookies

·Financial professional

course

·Qualification course

of variable premium

sales

·Study course of TFA Ship

& flagship products

·Special course for rookies as

well as those experienced

in property insurance

·Special training for upgrade

·MDRT challenge course

·Property insurance

specialized course

Expert

·Early bird special

training

·Good morning

success

·Saturday special

topics

·Seminar marketing

instructor course

·BC Team

·EM Competency

Special

·Certificate course for

security, real estate,

derivative products

and fund investment

counselors

·AFPK and CFP

education support

·Branch manager

training course

Risk

The Total Risk Management Service Is Provided.

Premature death

Long term survivor

Personal indemnification

Object indemnification

Fire

Liability of compensation

27 Life and Property Insurance Companies


Life Insurance

Property Insurance

Affiliated Partners

The Reliable Customer Oriented Mutual Aid CompanyThe dignified and comfortable funeral service passing a warm touch at tough moments

Operating the actual expense settlement system and 100% refund upon expiration

The Reliable Customer Oriented Mutual Aid Company

Provides a Warm Touch at Tough Moments

To finish your life with dignity is a noble concept to further brighten your life, which

has been lived beautifully.

We will respond with a greater happiness of Total Life Care Service to you, the very

hero or heroine of your own life.

With a new value, culture and corporate quality, Aplus Life is committed to being a partner

of the noblest value in the world standing next to happiness and the life of customers.

5 Quality Assurances System

�5

Contract Assurance

Contract Assurance

Dispatch Assurance

Product Assurance

Service Assurance

Actual Expense Assurance

The refund scheme for withdrawal (within 15 days) and poor sales contract (within 3 months)

1 million KR Won guaranteed if it doesn’t arrive within 2 hours upon submittal (With the exception of force majeure such as natural disaster)

Compensating corresponding supplies cost with additional 3 million KR Won if genuine products not used

Full refund with additional 2 million KR Won compensation if unfairly requested and received afterlife traveling expense or kickback

www.apluslife.co.kr

200120

the industry’s highest level of capital

funeral partnership agreement firms

billion KR Won

firms

Hyo-dam(孝潭) means serving with Filial Piety (孝) and devotion (精誠), and also is the brand of Aplus Life.

A Scene from Hyodam TV Commercial

Actual Expense Assurance

Service Assurance

Dispatch Assurance

AplusLifeA+ Group

16-17

We promise to greatly help customers

with various types of customer service

at hard moments based on an ever

warm and steady family mind.

APLUS LIFE Vision

Quality Assurances

System

First Launch in the Mutual Aid Industry

Product Assurance

�5Quality

Assurances System

·Top brand power in the Total Life Care industry

·Top in number of customers (based on mutual aid companies)

·New medical treatment

(stem cell storage and anti-cancer vaccine)

technology sales

We are committed to return with steady, genuine Hyodam customerservice, piety and devotion.

Possible to divert the payment amount within 50% after 36 months payment- Cell Banking and health screening

Unused items such as the coffin, the shroud and the vehicle will be refunded and additionally used items will be supplied for actual cost.

Beyond 85% level of other mutual aid companies, 100% of surrender is refunded upon expiration

Implemented the service improvement system including the strict evaluation system of ceremonial masters

Customized funeral consulting, guide on memorial parks, the charnel house, the tombstone, the stone figure, memorial suppliers support for the first year and psychological counseling for the bereaved

Established the truthful and transparent nationwide direct service network for full practice of the 5 Quality Assurances System of Hyodam

Differentiated Service

Items and Goods Supplied by Hyodam

Partnership Agreement Organizations

Actual Expense Settlement System Payment Diverting Service

100% of Surrender Refund on

Expiration

Customized Service by Religion

Various Before and After Services Service Satisfaction Evaluation

System

Nationwide Direct Ceremony System

Supplies for the deceased

Ceremonial supplies

Ceremonial operators

Ceremonial vehicle

Flower decoration

Specialized and value added services

Hyodam396

Hyodam600

Hyodam840

Hyodam1200

Economic product for the nuclear family

Most common and recommended product for funeral ceremonyFuneral product for the large family or the grand funeral

VIP exclusive funeral product

Confucian Buddhist Christian

The Best Hyodam Service

Is Provided by the Top

Class Funeral Ceremony

Team Leader.

Hypoderm’s Unique DifferentiatedService

VIP geomancer service

Geomancer service by master Hong Gung Lee for VIPs

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Service is provided to 120 public organizations, financial companies and enterprises.

Cell Banking ServiceThe service extracting and storing adult stem cells and immunocytes when young and healthy

The therapy of the next generation called ‘the personalized medicine’, as cells

extracted from your own body are used directly. Cell Banking that stores your

own cells through cutting edge technology is the health keeper absolutely necessary

for our families preparing for a healthy age of 120.

30or 4028

Cell Banking storage period

Blood collected

years

or 54 CC

Cell Therapy Is

www.apluslife.co.kr

Protect the Health of Your Familywith‘Cell Banking’ Before It’s too late.

“Stem Cell Therapy”, Highlight of Regenerative Medicine

The stem cell is the indifferent cell which can be converted to various body tissues comprising

our body. It regenerates or restores weakened parts or damaged functions of our body.

It is possible to be utilized in various treatments ranging from incurable diseases such as

neuropathy, diabetes, immune system diseases and AIDS to organ regeneration.

Immunocytes are the protection system acting when odd substances or antigens such

as germs and viruses intrude our body. Particularly, it acts to eliminate continuously

generating cancer cells. It receives attention as the 4th generation cancer therapy

without side effects other than surgical and chemical treatments.

“Immunocyte Therapy”, 4th Generation Cancer Treatment

[Clinical status of adult stem cells by human body sources]

[Clinical status on end organic fluid of various disorders and diseases]

peripheral blood All kinds of cancers

11899

13

82

87 6

marrow

cord blood

fat

liver disorder, cerebrovascular disorder, pneumonia and hypertensive disease

cardiac disorder, diabetic

All around the word, 3,000 stem cell therapy products are under development including preclinical products. 230 items among them are studied for the purpose of commercialization. Worldwide, there are 27 products in the advanced clinical test stage. Korea has 3 items among them, which is the second most in the world. (Based on approval of FDA, USA as of August 2009 - http:11clinicaltrials.gov)

CellBanking

AplusLifeA+ Group

18-19

Cell Banking is the beginning of a future

therapy method by storing your own adult

stem cells and implanting those healthy

cells for treatment in the far future event

of disease. It can be considered as the

true meaning of health insurance.

Beginning of one on one customized therapy - Cell Banking

Cell Banking

Exclusive Agreement with True Life Insurance Bank (Cell Banking)

Signing Ceremony of Sales

Consignment Agreement

(July 23rd, 2011)

Prepare a Healthy Future

for Your Family with

Cell Banking that is Kept

When Healthy and Used

When Sick.

Protection and benefits

Credibility and expertise

Trust and safety (risk diversification)

Bubble free price

It is the true meaning of health insurance preparation for future diseases by

extracting and keeping your today’s young and healthy adult stem cells

and immunocytes.

Cell banking

Reasons Why to Store Cells by Cell Banking

Commercialization of Cell Therapy Products

Treatments and studies of various incurable diseases using cell therapy products

and their successful clinical results show that cell therapy products will be

commercialized within several years and will greatly contribute to longer life.

If cells are kept in advance, they may be useful in the future.

Activity of Cells Decreases as Time Passes

By aging, our body’s cells continuously lose their cell activity of proliferation

and differentiation. Because cell function is decreased in the event of disease,

storing our own adult stem cells and immunocytes when young and healthy is

not an option; but rather a necessity.

Cell Banking Service Product Configuration

Comparison by Health State

※ Upon Cell Banking enrollment, 20 kinds of health diagnostic services are provided by blood test.

Item

Number of Immunocytes

Immunocyte FunctionAnticancer Capability of

ImmunocyteUsefulness as the Cell

Therapy Product

Normal Person

Normal

Good

VitalSufficient proliferation

and incubation

Cancer Patient

Decreased

Poor

Open to cancerInsufficient proliferation

and incubation

Item

Storage Method

Extraction Method

Storage Period

Enrollment Age

HLA-Type Test

Storage Cost

Side Effect

True Life Insurance Bank (Cell Banking)

Basic Plus

Stem cell and immunocyte

Collecting blood of 28 cc

30 years

From 7 years old

X

1.99 million KR Won

Collecting blood of 54 cc

40 years

From 16 years old

O

2.99million KR Won

Own body extraction–No side effectOther body extraction–Open to side effect


Personalized! Realty PB ServiceRealty consulting, real estate agent (sell and buy, and lease or rent), real estate management and real estate auction as well as public sales

Every Aspect of Total Real Estate Asset Management

Personalized Real Estate PB Service

Aplus Realty Real Estate Group

Based on the 3 mottos of transaction transparency, service professionalism and

safety in asset management, Aplus Realty provides Total Service regarding real

estate assets to customers through a ‘personalized real estate PB service’.

Aplus Reality is creating a new paradigm in Korean real estate market as the total

real estate professional group creating not only customer happiness but also a new

real estate culture.

607,646

the largest amount of capital in the market

nationwide reality affiliate network

billion KR Won

affiliates

·Customized real estate

·Real estate buy and sell / lease and rent

·Real estate management, auction and public sales

·Total solutions for real estate development

·Investment analysis and consulting

·Real estate research

www.aplusrealty.co.krwww.aplusbudongsan.com

Real Estate Asset Management

Service

Real Estate Investment Consulting

RealEstateGroup

AplusRealtyA+ Group

20-21

·Total Realty consulting provider

representing Korea in the global age

·Overseas Market Entry into

America, China and South East Asia

·Transforming to total

Realty Enterprise

Aplus Realty Vision

Because the property market is diversified

as it is no longer considered separate from

the financial market and the real estate

market, real estate has become the asset

necessary for professional and systematic

management from past inexplicit investment.

Considering the advanced trend that real

estate assets are shifting to financial assets,

based on the systematic system, professional

knowledge and various partner networks,

Aplus Realty provides a total real estate

asset management service throughout all

areas of real estate.

Real Estate Agent

Transaction Requested by Customer

Commissioned object analysis and transaction

possibility

Signing exclusive contract

Signing exclusive contract

Contract

Service Process

Major Businesses

Main Records

Real Estate Agent

• Providing One-Stop solutions for real estate transactions of private and enterprise customers. • Buy and sell service• Lease and rental service

Mortgage Counseling

• High quality personalized financial service• Providing optimal loan service tailored to customer situation

Real Estate Consulting

• Realizing the best profit by providing correct investment direction with the system and analysis tools for investment, ownership, disposal and profit realization of various kinds of residential, business and commercial real estate

Real Estate Management

• Appreciating real estate assets of customers, providing active real estate management services focused on meeting objectives of investment and ownership

Real Estate Auction and Public Sales

• Providing differentiated One-Stop Services from item recommendation to right matters and post management.• Reducing efforts needed for site survey and right analysis

Real Estate Marketing

• The marketing service efficiently combined with product, price, distribution and promotion strategies by segmenting and selecting the real estate market based on unrivaled expertise.

Buy and Sell Service

• Sales of the head office building of Shilla Savings Bank and Purchase of New-Start Hospital• Sales of Busan office building and purchase of Gasan office building and sports facilities land of LG Electronics• Bulk purchase of urban housing for company housing of Korea Finance Corporation, and many others

• Conducted exclusive services of lease and rental for the financial industry including Dongbu Life, Dongbu Insurance, PCA Life Insurance and HMC Investment Securities• Served lease and rental services for Smile Microcredit Bank and Hansol Education

• Conducted management services of medium and large sized buildings in the Gangnam area in Seoul including Aplus Tower, Vision Tower and Fine Tower

• PM for Structure Advancement Project of Gumi National Industrial Park

Lease and Rental Service

PM•FM Service

PM Consulting


3001,000

top level capital in the market

the shortest duration in the market(6 months from sales start)

million KR Won

billion KR WonAccomplished monthly sales of

As the loan agent of Woori Bank, having a

sales network of 911 branches nationwide

with top gross assets (as of July, 2012),

it was founded in July, 2011 under the

motto of “Customer Oriented Load Service”.

Within 6 months of the sales launch,

it had accomplished monthly sales of 100

billion KR Won, the guideline determining a

safe sales entrance. It is proud of continuous

growth in records by building the nationwide

center network uniquely in Korea.

Customer Oriented Loan Service

Customer Oriented Load ServiceTop load counselors of Aplus Mortgage provide the best financial services for customers.

『Loan Agent of Woori Bank』Aiming Customer

Oriented Financial Service

Core Values of Aplus Mortgage

Financial Services of Aplus Mortgage

Main Load

Products

MortgageLoan

Credit Loan

GroupLoan

Other Loans

Fixed Interest Mortgage Loan U Nest Loan

Workers’ Credit Loan Woori V Auto Loan

Woori V House Lease Loan

Professionals’ Credit Loan

Trusted Loan Agent

By directly visiting and serving customers in need of financial services, we process load businesses and accompanied services promptly and correctly without the need of direct bank visit of customers.

Our loan counselors completed compulsory bank loan transaction training courses of the Korea Banking Institute and duly registered with the Korea Federation of Banks. They present customized optimal conditions through load counseling with professional knowledge.

All of load related tasks are commissioned without extra charge, and services are provided for mortgage loans and credit loans for workers, public officers and professionals

Guiding Optimal Load Conditions from Customer Perspective

Prompt and Convenient Business Processing by Commissioning General Affairs

Providing Ongoing Services at No Cost

Service

Professionalism

Convenient Business

Processing

Customer OrientedService

AplusMortgage

AplusClaimA+ Group

22-23

• Rose to the nation’s biggest

total financial market loan agent

• 1,000 people of SR

•Top customer service Satisfaction

Aplus Mortgage Vision

Financial Services of

Aplus Mortgage

Claims Business

577

the experience

Top level capital in the market

people

million KR Won

www.aplusclaim.co.kr

Customer Satisfaction! The Company with a Customer Touch! Aplus ClaimsHighly reliable and objective insurance investigation service for the establishment of a sound insurance culture

Our Top Domestic Professionals Are Always Ready to Provide

Claims Services that Customers Can Rely on.

Securing stable market, corporate-wise promotional marketing and differentiated screening

Early development program and building dedicated examiners

Implementing screening manual and screening equipment infrastructure

Implementing the computerized reporting system,the cooperation system with hospitals and doctorsand the consulting organization

Market Strategy

HR Development

Implementing Infrastructure

System Implementation

Cooperative

Life Insurance Companies

Property Insurance Companies

Affiliated Companies (Life Insurance, Property Insurance and Cooperative)

Aplus Claims Business Areas – Payment Screening of Personal Insurance

Core Values of Aplus Claims

DeathScreening

DisabilityScreening

Death by disease, Exogenous death

(suicide, homicide, death by accident

and death by injury)

Examining disability degree by the

disability classification table and its

applicability

HospitalizationScreening

OtherScreening

Cause and adequacy

Periodic check

Securing clear evidence on claims

and checking facts

Contractor Perspective

- Protection of bona fide contractors

- Maintaining fairness in risk share

- Prompt insurance settlement

Insurance Company Perspective

- Increased saving from mortality

- Securing sound operation base

- Contribution to customer service

Social Perspective

- Uncovering insurance frauds

- Building sound insurance differentiation

- Realization of social justice

Claims screening is the service

realizing benefits for both contractors

and insurance companies.

• Domestic Top Revenue

• 300 professionals

• Top Satisfaction by client

Aplus Claims Vision

(performance and quality)

Aiming for

Customer Touch

Top Expertise

Total Screening

Firm


AplusGroup Is with You

for Your Happy Lives

We practice the faith that we can create a happy world living together.

Delivering a warm heart and hope to the people in need of love and

help is the very heart of AplusGroup, advancing together with our

community as a corporate citizen.

We Dream of a World Happy Together by Sharing and Giving.

Selected as the ‘Excellent Business of Social Responsibility Management’ in 2012 [Chosun Daily]

Community at heartA+ Group

24-25

Because we are well aware of the true pleasure

that is sharing a warm heart with neighbors in need.

To advance together happily,

AplusGroup gives warm hands to the world.

AplusGroup Will Make a World

Where Everybody is Happy.

BasBased on a professional, systematic organization and with financial

resources, we unfold social contribution activities.

AplusGroup fulfills social responsibilities as a corporate citizen.

All employees of AplusGroup raise funds with a collective mind and

AplusGroup holds as a dedicated organization for social contribution.

We Are Committed to Be with You from Today’s Happiness to Tomorrow’s Hope.

We practice sharing because of the happiness it brings not only today, but also tomorrow.

AplusGroup is committed to makinga healthy, happy tomorrow to enjoy with all the stakeholders.

Short but Strong

5 Year History

2007 Stood at Forefront of Financial Economic Recovery

September Founded Aplus Assets

Opened the first Seoul Branch

October Launched CFP center

2008 Diversified Customer Oriented Services

January Developed and marketed “Aplus Assets Premium”, the first customized insurance product

February Opened Aplus Academy

Launched corporate business division

April Held the 1st Aplus Assets Top Conference(ATC)

Recruited the professional officer from bank manager

Opened Financial Plaza 1

June Launched Honam Business Division

July Set up sisterhood support relationship of 1 village per companyHeld 1st anniversary concert, customers were invitedSeptember

1,000 TFAs (Total Finance Advisor)

October Launched Aplus Assets Donation Fund

December Launched Daegu Business Division, Busan Business Division and Financial Plaza Division

2009 Newly Challenged in HR Development

January Developed Aplus World computer system

Opened the IT Room

February Founded affiliated Aplus Life

Recorded 25 billion KR Won of continued premium

Achieved 60,000 accumulated customers

Held the 2nd Aplus Assets Top Conference (ATC)

Founded affiliated Aplus Realty

Achieved 2.5 billion KR Won of first month premium and 35 billion KR Won of continued premium

March

April

May

June

July

September

October

December

Monthly record: 1.7 billion KR Won of converted first month premium and 16,000 contracts

1,500 TFAs (Total Finance Advisor)

Crossed 150,000 financial items (insurance and fund)

Volunteer activity of helping 1 village per company

Opened Aplus Assets Development Center

Crossed 50 billion KR Won of continued premium

Published [Contend by Rich Marketing] written by Geun Ho Gwak, CEO

Held 2st anniversary concert, customers were invited

2010 Moved to Aplus Tower for New Take-off

April Held the 3rd Aplus Assets Top Conference (ATC)

July Held the 1st Royal TFA Festival Founded affiliated Aplus Realty

Placed the first TV commercial in the GA industry

September

August

Moved to new Aplus Tower building 200,000 accumulated customers1,320 TFAs and confirmed the customer satisfaction index between 2 to 13 times Realized maintenance rate of 93%

November Increased paid-in capital of Aplus Life by 3 billion KR Won

2011 Prepared Group Base by Founding Affiliates

April Held the 4th Aplus Assets Top Conference (ATC)

2012 Marched 1 Step Forward for Customer Satisfaction

February Launched Jeonbuk Business Division

April Selected as the Excellent Business of Social Responsibility Management (Sponsored by Ministry of Knowledge and Economy, Ministry of Environment and Ministry of Employment and Labor, Organized by Digital Chosun Daily)

May Signed agreement of ‘Single Elderly Love’ program participation with Ministry of Health and Welfare

June Launched public program and fully performed single elderly support program

July Launched Hyodam TV commercial

Increased capital of Aplus Life by 10 billion KR Won

June Founded affiliated Aplus ClaimsFounded affiliated Aplus MortgageAnnounced Aplus Life BI [Hyodam]Launched Youngnam Business Division and Gyungnam Business Division

Signed exclusive sales agreement of Cell Banking with True Life Insurance Bank

November

July

Launched development course of financial professions of 2030

A+GroupHistoryA+ Group

26-27

Founded affiliated Aplus Realty

We’re in the business of building a more prosperous future.We Design a More Prosperous Tomorrow

for Customers Based on the History of

Creative Challenges and Innovations.

Aplus Tower Front View

Aplus Group

Group

A+ Tower, 157 Samseong dong, Gangnam-gu, Seoul, Korea

Produced by Promotion Design TeamPublication Code : 02-12- 001, Printed on November 15st, 2012

@2012 AplusGroup All Rights Reserved

고객의 꿈을 실현하는Truthful and Transparent AplusGroup Fulfilling Customer Dreams

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