Manager - Group Pricing (Actuary) - Mumbai (Goregaon E)

<div>________________________________________</div><div><p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;"><b><span lang="en-in" style="font-size:20pt;line-height:115%;font-family:Cambria, serif;color:#C00000;" xml:lang="en-in">JOB DESCRIPTION</span></b></p><p><b></b></p><b></b> <table class="MsoTableLightGridAccent2" border="1" cellspacing="0" cellpadding="0" style="border-width:medium;border-style:none;"> <tbody><tr> <td width="250" valign="top" style="width:187.65pt;border:solid #C0504D 1pt;background:#EFD3D2;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:12pt;line-height:115%;color:#000000;" xml:lang="en-in">POSITION</span></b></p><p></p> </td> <td width="446" valign="top" style="width:334.65pt;border:solid #C0504D 1pt;border-left:none;background:#EFD3D2;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;color:#000000;" xml:lang="en-in">Manager – Group Pricing</span></p><p></p> </td> </tr> <tr> <td width="250" valign="top" style="width:187.65pt;border:solid #C0504D 1pt;border-top:none;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in">DESIGNATION</span></b></p><p><b></b></p><b></b> </td> <td width="446" valign="top" style="width:334.65pt;border-top:none;border-left:none;border-bottom:solid #C0504D 1pt;border-right:solid #C0504D 1pt;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in">Manager</span></p><p></p> </td> </tr> <tr> <td width="250" valign="top" style="width:187.65pt;border:solid #C0504D 1pt;border-top:none;background:#EFD3D2;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><br /></p></td><td width="446" valign="top" style="width:334.65pt;border-top:none;border-left:none;border-bottom:solid #C0504D 1pt;border-right:solid #C0504D 1pt;background:#EFD3D2;padding:0in 5.4pt 0in 5.4pt;"><br /></td></tr> </tbody></table> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> <table class="MsoTableLightGrid" border="1" cellspacing="0" cellpadding="0" style="border-width:medium;border-style:none;"> <tbody><tr> <td width="250" valign="top" style="width:187.7pt;border:solid #000000 1pt;background:#C0C0C0;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:12pt;line-height:115%;color:#000000;" xml:lang="en-in">DEPARTMENT</span></b></p><p></p> </td> <td width="446" valign="top" style="width:334.6pt;border:solid #000000 1pt;border-left:none;background:#C0C0C0;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:12pt;line-height:115%;color:#000000;" xml:lang="en-in">Actuarial</span></b><b></b></p><p><b></b></p><b></b> </td> </tr> <tr> <td width="250" valign="top" style="width:187.7pt;border:solid #000000 1pt;border-top:none;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in">SUB DEPARTMENT</span></b></p><p><b></b></p><b></b> </td> <td width="446" valign="top" style="width:334.6pt;border-top:none;border-left:none;border-bottom:solid #000000 1pt;border-right:solid #000000 1pt;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in">Actuarial - Group Pricing</span></b></p><p><b></b></p><b></b> </td> </tr> </tbody></table> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> <table class="MsoTableLightListAccent2" border="1" cellspacing="0" cellpadding="0" style="border-width:medium;border-style:none;"> <tbody><tr> <td width="696" valign="top" style="width:522.3pt;border:solid #C0504D 1pt;border-bottom:none;background:#ED3237;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:14pt;line-height:115%;color:#FFFFFF;" xml:lang="en-in">OBJECTIVE OF THE ROLE </span></b></p><p><b></b></p><b></b> </td> </tr> <tr> <td width="696" valign="top" style="width:522.3pt;border:solid #C0504D 1pt;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">The ideal candidate will possess strong expertise in pricing group life insurance products (e.g., term, credit life), along with excellent analytical and stakeholder management skills. The role involves:</span></p><p></p> <ul type="disc"> <li class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Pricing and profitability analysis</span><p></p></li> <li class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Reinsurance negotiations</span><p></p></li> <li class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Development and enhancement of pricing models</span><p></p></li> <li class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Collaboration with sales, underwriting, and finance teams</span><p></p></li> </ul> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> </td> </tr> </tbody></table> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> <table class="MsoTableLightGridAccent2" border="1" cellspacing="0" cellpadding="0" style="border-width:medium;border-style:none;"> <tbody><tr> <td width="582" valign="top" style="width:436.5pt;border:solid #C0504D 1pt;background:#A6A6A6;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:14pt;line-height:115%;color:#FFFFFF;" xml:lang="en-in">KEY RESPONSIBILITIES</span></b></p><p><b></b></p><b></b> </td> <td width="125" valign="top" style="width:93.4pt;border:solid #C0504D 1pt;border-left:none;background:#A6A6A6;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:14pt;line-height:115%;color:#FFFFFF;" xml:lang="en-in">Weightage</span></b></p><p><b></b></p><b></b> </td> </tr> <tr> <td width="582" valign="top" style="width:436.5pt;border:solid #C0504D 1pt;border-top:none;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:Symbol;" xml:lang="en-in">·</span><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in"> <b>Pricing & Sales Support </b></span></p><p></p> <ul type="disc"> <li class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Prepare competitive and profitable quotations for group credit life insurance schemes</span><p></p></li> <li class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Provide timely resolution of queries related to product, pricing, and process to support business acquisition and retention</span><p></p></li> </ul> <p class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:Symbol;" xml:lang="en-in">·</span><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in"> <b>Stakeholder Management </b></span></p><p></p> <ul type="disc"> <li class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Liaise with Group Sales, internal departments, and reinsurers for finalization of quotations</span><p></p></li> </ul> <p class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:Symbol;" xml:lang="en-in">·</span><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in"> <b>Compliance & Process Adherence</b></span></p><p></p> <ul type="disc"> <li class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Ensure compliance with internal guidelines and maintain profitability standards</span><p></p></li> </ul> <p class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:Symbol;" xml:lang="en-in">·</span><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in"> <b>Reporting & MIS </b></span></p><p><b></b></p><b></b> <ul type="disc"> <li class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Monitoring experience analysis and reporting to respective internal committees</span><p></p></li> </ul> <p class="MsoListParagraph" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0.5in;line-height:normal;"><span lang="en-in" style="font-size:12pt;" xml:lang="en-in"> </span></p> </td> <td width="125" valign="top" style="width:93.4pt;border-top:none;border-left:none;border-bottom:solid #C0504D 1pt;border-right:solid #C0504D 1pt;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-bottom:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in">70%</span></p><p></p> <p class="MsoNormal" style="margin-bottom:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> <p class="MsoNormal" style="margin-bottom:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> <p class="MsoNormal" style="margin-bottom:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> <p class="MsoNormal" style="margin-bottom:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> <p class="MsoNormal" style="margin-bottom:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in">10%</span></p><p></p> <p class="MsoNormal" style="margin-bottom:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> <p class="MsoNormal" style="margin-bottom:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> <p class="MsoNormal" style="margin-bottom:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> <p class="MsoNormal" style="margin-bottom:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in">10%</span></p><p></p> <p class="MsoNormal" style="margin-bottom:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> <p class="MsoNormal" style="margin-bottom:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> <p class="MsoNormal" style="margin-bottom:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> <p class="MsoNormal" style="margin-bottom:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in">10%</span></p><p></p> </td> </tr> <tr> <td width="582" valign="top" style="width:436.5pt;border:solid #C0504D 1pt;border-top:none;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoListParagraph" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0.5in;line-height:normal;"><span lang="en-in" style="font-size:12pt;" xml:lang="en-in">TOTAL</span></p><p></p> </td> <td width="125" valign="top" style="width:93.4pt;border-top:none;border-left:none;border-bottom:solid #C0504D 1pt;border-right:solid #C0504D 1pt;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-bottom:0in;line-height:normal;"><span lang="en-in" style="font-size:12pt;" xml:lang="en-in">100%</span></p><p></p> </td> </tr> </tbody></table> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> <table class="MsoTableLightGridAccent2" border="1" cellspacing="0" cellpadding="0" style="border-width:medium;border-style:none;"> <tbody><tr> <td width="707" colspan="2" valign="top" style="width:529.9pt;border:solid #C0504D 1pt;background:#ED3237;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:14pt;line-height:115%;color:#FFFFFF;" xml:lang="en-in">INTERACTIONS</span></b></p><p><b></b></p><b></b> </td> </tr> <tr> <td width="308" valign="top" style="width:231.05pt;border:solid #C0504D 1pt;border-top:none;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in">Internal Relations:</span></b></p><p><b></b></p><b></b> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in">Sales, Underwriting, Operations, Claims</span></p><p></p> </td> <td width="398" valign="top" style="width:298.85pt;border-top:none;border-left:none;border-bottom:solid #C0504D 1pt;border-right:solid #C0504D 1pt;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in">External Relations:</span></b></p><p><b></b></p><b></b> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in">Reinsurers</span></p><p></p> </td> </tr> </tbody></table> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p><p></p> <table class="MsoTableLightGridAccent2" border="1" cellspacing="0" cellpadding="0" style="border-width:medium;border-style:none;"> <tbody><tr> <td width="707" colspan="2" valign="top" style="width:529.9pt;border:solid #C0504D 1pt;background:#A6A6A6;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:14pt;line-height:115%;color:#FFFFFF;" xml:lang="en-in">REQUIRED QUALIFICATION AND SKILLS</span></b></p><p><b></b></p><b></b> </td> </tr> <tr> <td width="308" valign="top" style="width:231.05pt;border:solid #C0504D 1pt;border-top:none;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-bottom:0in;line-height:15pt;"><b><span lang="en-in" style="font-size:12pt;" xml:lang="en-in">Educational Qualifications: </span></b><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Graduate in any stream</span></p><p></p> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></p> </td> <td width="398" valign="top" style="width:298.85pt;border-top:none;border-left:none;border-bottom:solid #C0504D 1pt;border-right:solid #C0504D 1pt;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-bottom:0in;line-height:15pt;"><b><span lang="en-in" style="font-size:12pt;" xml:lang="en-in">Work Experience: </span></b><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Minimum 2 years in group term/credit life pricing</span></p><p></p> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></b></p> </td> </tr> <tr> <td width="707" colspan="2" valign="top" style="width:529.9pt;border:solid #C0504D 1pt;border-top:none;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in">Certifications: </span></b></p><p><b></b></p><b></b> <p class="MsoNormal" style="margin-bottom:0in;line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Pursuing actuarial exams preferred (not mandatory)</span></p><p></p> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:normal;"><b><span lang="en-in" style="font-size:12pt;" xml:lang="en-in"> </span></b></p> </td> </tr> <tr> <td width="707" colspan="2" valign="top" style="width:529.9pt;border:solid #C0504D 1pt;border-top:none;padding:0in 5.4pt 0in 5.4pt;"> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;line-height:115%;"><b><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in">Other skill set:</span></b></p><p><b></b></p><b></b> <p class="MsoNormal" style="margin-bottom:0in;line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:Symbol;" xml:lang="en-in">·</span><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in"> <b>Technical Skills:</b> </span></p><p></p> <ul type="disc"> <li class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Proficiency in MS Excel and PowerPoint</span><p></p></li> <li class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Strong logical reasoning and data analysis skills</span><p></p></li> </ul> <p class="MsoNormal" style="margin-bottom:0in;line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:Symbol;" xml:lang="en-in">·</span><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in"> <b>Soft Skills:</b> </span></p><p></p> <ul type="disc"> <li class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Excellent interpersonal and communication skills</span><p></p></li> <li class="MsoNormal" style="line-height:15pt;"><span lang="en-in" style="font-size:10.5pt;font-family:'Segoe UI', sans-serif;" xml:lang="en-in">Ability to manage deadlines and work under pressure</span><p></p></li> </ul> <p class="MsoListParagraph" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0.5in;line-height:115%;"><b><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span></b></p> </td> </tr> </tbody></table> <p class="MsoNormal" style="margin-top:0in;margin-right:-1.2pt;margin-bottom:0in;margin-left:0in;"><span lang="en-in" style="font-size:12pt;line-height:115%;" xml:lang="en-in"> </span><span style="font-size:12pt;"> </span></p> </div>