2. A Close Ended Scheme open for sale from 16 th Feb 2009 to 31 st Mar 2009

3. a money back plan with Guaranteed Additions and Loyalty Additions

4. Prem Paying Term :9 Yrs Policy Term: 9 Yrs & 12 Yrs Mode of Payment:Yearly / Half-yearly / Quarterly / Mly( ECS)

5. Benefits: Survival Benefits as %age of SA: Term: 9-year 12-year End of 3 years 15% 10% 6 years 25% 20% 9 years -- 30%

6. Pol Term Guaranteed Addition 9 yrs. Rs. 65.00 per 1000 S.A. 12 yrs. Rs. 70.00 per 1000 S.A. Assured Returns

7. For policy term of 9 years: 60% of the SA Plus Guaranteed Additions Plus Loyalty Addition For policy term of 12 years: 40% of the SA Plus Guaranteed Additions Plus Loyalty Addition

8. Full Sum Assured (without deduction of Survival Benefits already paid) + Guaranteed Additions + Loyalty Addition (if death occurs in last year)

9. Eligibility Conditions & Restrictions: Min Entry Age :15 years (completed) Max Entry Age : 66 years (nbd) for 9yrs term 63 years (nbd) for 12 yrs term Min SA : Rs.50,000 for Yly/Hly/Qly Rs.75,000 for Mly (ECS only) Max S.A. : No Limit

10. REBATES Mode Rebates Yly - 2 % of tab premium Hly - 1 % of tab premium S.A. Rebates Less than 1 lac - NIL 1 lac to less than 2 lac - Rs.2.00 2 lac to less than 5 lac - Rs.3.50 5 lac and above - Rs.5.00

11. Commission to Agents 1 st Year - 10 % There after - 5 % Bonus commission - 40% of FYC Development Officer’s Credit: 40% of 1st year’s premium.

12. Other features: Paid-Up Value Guaranteed Surrender Value Special Surrender Value Revivals Loans Assignment

13. Age 50,000 SA1 LAC SA 9 Yrs12 Yrs9 Yrs12 Yrs 15792380801564715960 18792880831565615965 21793180871566115975 25793380901566615980 30794081001568115999 35796081271572016053 40799781781579416156 45806582641593116328 50818184041616116607

14. Illustration: Age : 30 YrsDOC : 16.02.2009 Plan : 196-12-9 SA: 1 lacPrem: Rs.15999 LA pays prem from 2009 to 2017 SBs payable: 16.02.2012Rs.10,000 16.02.2015Rs.20,000 16.02.2018Rs.30,000 On Maturity on 16.02.2021: Rs.40,000 + Rs.84,000+ LA

15. It is a money back policy It is a Guaranteed Addition Policy It has Loyalty Additions also It is a Regular premium paying policy Benefits under this plan are TAX FREE Full Insurance cover even after payment of SBs It has Loan facility It can be revived in case of lapse Can be assigned to Institutions for taking loan