1. Introducing Wealth Advisory Services

2. 2 About HDFC Bank  HDFC Bank incorporated in August 1994, with its registered office in Mumbai has established itself amongst the top players in the Indian Banking scene.  With the Reserve Bank of India (RBI) having approved the scheme of amalgamation of Centurion Bank of Punjab Ltd. with HDFC Bank Ltd, the combined entity prides itself on: − Nationwide network of 1,412 branches supported by 3,177 ATM’s across India − A balance sheet size over Rs.1,63,000 cr.  We service individual customers, small and medium market businesses & large corporations.  HDFC Bank’s business philosophy is based on four core values: Operational Excellence, Customer Focus, Product Leadership and People.

3. 3 Recent Awards Aditya Puri (second from right), Managing Director of HDFC Bank, wins The Asian Banker Leadership Achievement Award 2006 for India, making him one of the top 15 commercial bankers in the Asia Pacific region. Aditya Puri, MD HDFC Bank “The Asian banker Leadership Achievement Award”. Best Bank Award awarded by Business Today, Financial Express & Ernst & Young. Corporate Best Bank awarded by Dun & Bradstreet & American Express. Most Innovative Company Award by Business Today & NDTV Profit. Best Corporate Social Responsibility Practice awarded by BSE & NASSCOM. Rated “Best Private Bank in the Super Affluent” Category in India 2008.

4. 4 We have some QUESTIONS for you ???

5. 5 Your Investments…Have you ?? !!  Guarded against the negative effects of inflation on your savings and investments.  Analyzed your psychological ability to take risk, ie., whether you are Aggressive, or, Moderate, or Conservative.  Are your investments aligned with your financial goals.  Understood the investments you hold – do they produce income or growth.  Reviewed your short-term and long-term investments, as to which investments are maturing, and where they can be redeployed.  Considered different asset classes, including mutual fund and stock market investments, for long-term growth.

6. 6 Your Life Goals…..Have you ?? !!  Parked at least 6months -1 year of your monthly expenses in liquid instruments as Emergency Funds.  Analyzed the opportunity to repay your home loan early.  Understood what are the gaps between your current situation and financial goals.  Planned for sufficient liquidity for lump sum needs related to your children’s education and wedding.  Increased your regular savings for longer term goals.  Calculated the inflation adjusted cost of your future expenses such as children’s education and wedding.

7. 7 Insurance & Protection….Have you ?? !!  Assessed if your existing life cover is adequate in line with your expenses and liabilities.  Protected yourself and family with adequate life insurance.  Insured yourself against illnesses and accidents.

8. 8 If your answer to one or more of the previous questions is NO !! Then Read On !!

9. 9 The Wealth Advisory Service Offer  Structured Advisory process taking into account your goals and objectives  Recommendations from HDFC Private Bank’s in-house Research team  Choice of execution platforms  Complimentary subscription to monthly magazine  Proactive monthly updates on new offers

10. 10 Wealth Advisory Process Recommend research backed solutions Identify objectives Establish your risk profile Review Seamless execution and implementation Advisory Process

11. 11 A Structured Process  We spend time to understand you and your objectives to ensure the advice provided is as unique as you are.  Your Relationship Manager / Personal Banker will profile you keeping in mind your Age Time Horizon Risk appetite Existing investments Cash flows & liabilities Step 1: Identifying your Objectives

12. 12 A Structured Process Step 2: Establishing your risk profile

13. 13 A Structured Process Step 3: Recommending Research backed solutions

14. 14 A Structured Process  You can buy, redeem and switch investments with ease – anywhere, anytime - using various options: − Online through our Net Banking platform. − Through placing orders: By walking in to select HDFC Bank branches and completing a simple instruction slip Step 4: Seamless Execution & Implementation

15. 15 A Structured Process  Your Relationship Manager / Personal Banker will regularly review your portfolio to ensure your investments are on track.  Your Relationship Manager / Personal Banker will also provide guidance on re-balancing your portfolio depending on market movements. Step 5: Regular reviews

16. 16 In-House Research Solutions  Regular Research Reports: To enable you to make well informed investment decisions we will regularly send you in depth research reports across all asset categories.  Monthly Magazine “Investment Insight”: Prepared by our Research team, you will receive an exclusive monthly magazine providing: − Monthly performance of recommended funds. − Topical investment related information to keep you up to date with changes in the economy that affect you. − Comments from experts on various investments options and new offerings.

17. To know more about this service, please mail your queries at wealthadvisoryservices@hdfcbank.com