Initiatives to Prepare for Major Natural DisastersTo ensure prompt and proper payment of insurance claims in the event of a major natural disaster, Zenkyoren is building a claims assessment structure. Under this structure, the number of JA Natural Peril Investigation Staff was increased to 46,552 individuals in comparison to a targeted 30,100.We have also formulated a business continuity plan in the event of a major natural disaster. In line with this, we established a data systems backup center in Hyogo Prefecture, and a claims inquiry center in Osaka in addition to Tokyo.Initiatives for Implementing the JA Insurance Business Council’s RecommendationsIn May 2012, Zenkyoren’s JA Insurance Business Council issued recommendations based on two central themes: 1) to further expand unique JA insurance business activities rooted in the community and 2) for Zenkyoren to strengthen its guidance and support functions for JA and increase management efficiency.To implement the recommendations, we are introducing and developing area strategies for JA, based on local characteristics. Under these area strategies, we are strengthening guidance and support to JA, and consolidating and reorganizing our functions across prefectural boundaries.To this end, two underwriting and claims assessment centers (mainly assessing claims for life insurance policies for the time being) were opened ahead of others for the Tokai and Hokuriku regions, and have been in operation since April 2014.Initiatives for New Agricultural Risk Coverage and ServicesWe are in the process of enhancing the high quality and range of our agricultural risk coverage through a collaboration with a group company, the Kyoei Fire & Marine Insurance Company, and Tokio Marine & Nichido Fire Insurance Company. This enables us to combine our experience in providing insurance products to farmers with Tokio Marine’s diverse product development capabilities and strong overseas network.In ClosingFor more than 60 years since commencing business activities, we have conducted business with the aim of expanding our circle of mutual assistance. Under this philosophy of “Mutual aid,” we will deepen roots in communities and bring security and satisfaction to our members and policyholders by continuing to provide comprehensive coverage of life, homes and automobiles, and ensure sound management with the view to conducting business activities in good faith.August 2014Kotaro IchimuraChairman of the Supervisory BoardTamotsu ShozuiPresident of the Board of DirectorsANNUAL REPORT 201403