2. The Plan Gives you the freedom to choose the amount of premium, and invest in market linked funds, to generate potentially higher returns. The premium paid is invested in a plan of your choice. On the retirement date, the accumulated value of the units will be used to purchase an annuity.

3. The Benefits Death Benefit This plan does not offer a sum assured In the unfortunate event of death, the spouse has the option of Receiving the death benefit as lumpsum Receiving part of the death benefit as lumpsum and the remaining as annuity Receiving the entire amount in the form of an annuity Maturity Benefit On maturity the accumulated value of units will be used to purchase an annuity.

4. Flexibility Power to choose the retirement date Choose a vesting date between 45 – 75 years of age. Power to increase your investments Use your surplus funds to top-up your investments, with a minimum top-up of Rs. 5,000. Power to invest in a plan based on your priorities Choose between the Maximiser (Growth), Protector (Income), Balancer (Balanced) and Preserver (Short term money market) plans. Plus you have the power to switch between the plans, to suit your investment priorities. 4 free switches a year.

5. Flexibility Power to receive pension in 5 different ways Life annuity Life annuity with return of purchase price Life annuity guaranteed for 5, 10 or 15 years Joint Life, Last Survivor with return of purchase price Joint Life, Last Survivor without return of purchase price Power to choose your annuity provider Flexibility to buy the pension from any other service provider Power to commute At the time of vesting upto 1/3 rd of the accumulated value can be taken as lumpsum

6. Other benefits Surrender Value Policy Year of the PolicySurrender Value of the Policy During the 1 st policy year95% of the value of investments During the 2 nd policy year96% of the value of investments During the 3 rd policy year97% of the value of investments From 4 th policy year onwards100% of the value of investment.

7. Eligibility Age: 18 – 72 years Minimum Premium : Rs. 50,000 p.a. Minimum Term: 3 years

8. Charge structure Premium Allocation Contribution Range1 st Yr. Allocation 50,000-99,99995% 1,00,000-4,99,99997% 5,00,000 & above98%

9. Charge structure Fund Management charges These are levied as a % of the asset under management. They are adjusted in the NAV MaximizerProtectorBalancerPreserver 1.50%0.75%1.00%0.75%

10. Other charges Fixed administrative charge of Rs. 20 per month, deducted by cancellation of units monthly. Top allocation is 99% 4 free switches in a policy year. Any additional switch will be charged Rs. 100 extra.

11. Underwriting Guidelines