Direct Billing Agreement between ASM and Augusta Hospital, Germany

54 PT Sinar Mas Multiartha Tbk � Laporan Tahunan 2014 Penghargaan yang diterima ASM tahun 2014 Sepanjang tahun 2014, ASM telah menerima berbagai penghargaan sbb:

1. Fitch Ratings 2014

Pada 7 Maret 2014, Fitch Ratings telah menegaskan rating untuk PT Asuransi Sinar Mas adalah ‘AA+ idn’ National Insurer Financial Strength. Prospeknya telah direvisi menjadi Positif dari Stabil. Pada 12 November 2014, Fitch Ratings kembali mengairmasi rating untuk PT Asuransi Sinar Mas adalah ‘AA+ idn’ National Insurer Financial Strength dengan prospek Positif .

2. Indonesia Brand Champion Award 2013

PT. Asuransi Sinar Mas menerima MarkPlus Inc Bronze Champion of Indonesia WOW Brand 2014 untuk produk asuransi kendaraan - Simas Mobil Exclusive dari Majalah Marketeers dan Markplus Insight.

3. PT. Asuransi Sinar Mas melalui Unit Syariahnya mendapatkan beberapa penghargaan yaitu :

i. Best Syariah 2014 - Cabang Asuransi Umum Syariah Terbaik 2014 Kategori Aset Lebih Dari Rp100 Miliar dari Majalah Investor ii. 2 nd Rank The Most Proitable Investment Islamic General Insurance Sharia Unit Asset IDR 100 BN dari Karim iii. Penghargaan Infobank Syariah 2014 - Predikat Sangat Bagus Atas kinerja keuangan selama tahun 2013 dari Majalah Infobank Awards received ASM 2014 Throughout 2014, ASM has received numerous awards as follows: 1. Fitch Ratings in 2014 On March 7, 2014, Fitch Ratings has airmed the ratings for PT Asuransi Sinar Mas is ‘AA + idn’ National Insurer Financial Strength. Prospects have been revised to Positive from Stable. On November 12, 2014, Fitch Ratings re mengairmasi rating for PT Asuransi Sinar Mas is ‘AA + idn’ National Insurer Financial Strength Positive prospects.

2. Indonesia Brand Champion Award 2013

PT. Asuransi Sinar Mas receive MarkPlus Inc. WOW Bronze Indonesia Brand Champion of 2014 for insurance products - Exclusive Car Simas from Markplus Insight and Marketeers Magazine.

3. PT. Asuransi Sinar Mas through sharia Unit received several awards, namely:

i. Best Syariah 2014 - Branch General Insurance Best Shariah Asset Category 2014 More From 100 Billion from Investor Magazine ii. 2nd Rank The Most Proitable Investment Islamic General Insurance Sharia Unit Asset IDR 100 BN of Karim iii. Infobank Sharia Choice 2014 - Top Predicate Very Good inancial performance during 2013 from Infobank Magazine 55 PT Sinar Mas Multiartha Tbk � 2014 Annual Report

4. Indonesia Insurance Consumer Choice Award 2014

Asuransi Sinar Mas meraih penghargaan dari Indonesia Insurance Consumer Choice Award 2014 yang diselenggarakan oleh Warta Ekonomi pada tanggal 22 Oktober 2014. Dalam penghargaan tersebut, ASM meraih 5 kategori dengan dua penilaian yang berbeda, yaitu : Berdasarkan survei konsumen, ASM meraih : • The Best General Insurance Company • The Best Home Insurance Berdasarkan consumer satisfaction, ASM meraih : • Most Responsive General Insurance Company • Most Assuring General Insurance Company • The Best General Insurance Company Penilaian dari kategori consumer choice award yang diraih ASM dilakukan dengan mengadakan riset sejak tanggal 25 Juli – 5 Agustus 2014 dengan melibatkan 600 responden di kawasan Jabodetabek. Dan penilaian dari kategori consumer satisfaction award dilakukan dengan mengadakan riset sejak tanggal 25 Juli – 5 Agustus 2014 dengan melibatkan minimun 30 responden dari setiap masing – masing perusahaan. 4. Indonesia Insurance 2014 Consumer Choice Award Asuransi Sinar Mas won an award from the Indonesian Insurance Consumer Choice Award 2014 organized by Economic News on October 22, 2014. In the award, ASM won the 5 categories with two diferent judgments, namely: Based on the consumer survey, ASM won: • The Best General Insurance Company • The Best Home Insurance Based on consumer satisfaction, ASM won: • Most Responsive General Insurance Company • Most assuring General Insurance Company • The Best General Insurance Company Assessment of consumer choice award category achieved ASM done by conducting research since the date of 25 July to 5 August 2014, involving 600 respondents in the Jabodetabek area. And assessment of consumer satisfaction award category is done by conducting research since the date of 25 July to 5 August 2014 with a minimum involve 30 respondents from each respective - respective companies. 56 PT Sinar Mas Multiartha Tbk � Laporan Tahunan 2014 PT ASURANSI JIWA SINARMAS MSIG Kebijakan yang diambil perusahaan pada tahun 2014 untuk menyatukan seluruh jalur distribusi di bawah satu kepemimpinan serta memaksimalkan aktivitas penjualan melalui empat jalur distribusi, yaitu Agensi, Bancassurance, Corporate MNC serta Direct Marketing-Telemarketing DMTM telah memberikan hasil positif. Laba bersih senilai Rp 331 miliar unaudited berhasil dicatat pada tahun 2014 dengan total aset perusahaan yang juga meningkat, yaitu sebesar 5 dari Rp 19 triliun pada tahun 2013 menjadi Rp 20 triliun pada tahun 2014. Sementara itu, rasio pencapaian solvabilitas dengan menggunakan metode Risk Based Capital RBC tercatat 729,81 untuk konvensional dan 64,77 untuk syariah. Keberhasilan tersebut memperoleh pengakuan dari majalah Investor yang menempatkan Sinarmas MSIG Life sebagai salah satu dari 20 Best Insurance Companies 2014. Februari 2014, rangkaian SMiLe Series untuk memenuhi kebutuhan dan mendampingi nasabah di setiap tahapan kehidupan mereka diluncurkan untuk melengkapi berbagai produk unggulan yang sudah ada sebelumnya yang terdiri dari asuransi individu, kumpulan, worksite, kesehatan, dan Dana Pensiun Lembaga Keuangan DPLK. Kepentingan nasabah kembali diutamakan saat Sinarmas MSIG Life memperkuat jajaran produk perlindungan kesehatannya dengan memperkenalkan rider SMiLe ESCI 99 dan SMiLe Medical+ Policies that were taken by the company in 2014 to unite all distribution channels under one leadership and optimize sales activity through four distribution channels, namely the Agency, Bancassurance, Corporate MNC, as well as Direct Marketing- Telemarketing DMTM, had given positive results. Net proit of Rp331 billion unaudited were recorded in 2014 with total assets of the company which also increased amounting to 5, from Rp19 trillion in 2013 to Rp20 trillion in 2014. Meanwhile, the ratio of solvency achievement using the method of Risk Based Capital RBC was recorded at the level of 729.81 for the conventional and 64.77 for the sharia. This success gained recognition from the Investor magazine which put Sinarmas MSIG Life as one of the 20 Best Insurance Companies in 2014. In February 2014, the chain of SMiLe Series products to meet the customers’ demands and accompany them in all stages of life were launched to complement various existing top products consisting of insurance for individuals, groups, worksite, health, and Pension Fund for Financial Institutions DPLK. Customers’ interest continued to be prioritized as Sinarmas MSIG Life strengthened its health protection products through the introduction of rider SMiLe ESCI 99 and SMiLe Medical+ in August 2014. Both of the rider products were developed in order