1. ƒGroup Mediclaim ƒGroup Personal Accident Policy ƒGroup Life Insurance ƒEDLI with LIC ƒGroup Superannuation Scheme ƒCompany Loans & Advances ƒLeave ƒPerquisite Basket ƒGift Schemes HR Welfare Policies

2. Mediclaim coverage for self & family. Family includes Self, Spouse, Parents & Children. Mediclaim coverage up to the age of 80 years. Maternity coverage from the inception of the policy without waiting period. Cash less facility. Isssuance of Photo ID Card for availing Cash less facility in the Listed Hospitals Group Mediclaim Policy

3. Claim Eligibility Functional Heads & ManagersRs.85,000 ExecutivesRs.50,000 Officers Rs.40,000 Staff Rs.30,000 Sub Staff Rs.20,000

4. Mediclaim on floater basis. Under this floater scheme the sum insured for the individual family members will be added and the total insured amount will be treated as sum insured for family members. Corporate buffer to the tune of 10 lakhs. This facility will come in handy during the situation where an employee utilizes his/her sum insured for the treatment and if he / she needs an additional amount for treatment, the same can be utilized from the corporate buffer. Group Mediclaim Policy

5. The Period of Hospitalization should be greater than 24 hours in a hospital which is Registered Ensure that the Hospital has 15 beds, qualified nurses, Round the clock duty doctors (qualified) & an equipped Operation Theater. Any Receipt, Bill, Discharge Summary or any documents should not be addressed "To Whom so it may Concern Prerequisites for Claim Submission:

6. Procedure for Claim Submission:  Collect a Medical Reimbursement Format from HR  Ensure that you fill the form completely and attach the relevant documents like original discharge summary, bills, prescriptions.

7. Important Note: Important Note: a) The Nominee's Name, DOB & Relationship should be mentioned clearly in the Nomination Form in- order to avoid discrepancies during the Claim Processing b) Incase of any Additions/Deletions in the Nomination List provided by the Employee, kindly intimate it to the HR Department as soon as possible

8. Original Discharge Summary / Report from the Hospital with the following details: Medical investigation/diagnostic test Bills must be accompanied by photocopies of the Reports Medical bills must be accompanied by Original prescriptions Claim to be submitted to HRD. Checklist for Claim Submission:

9. Group Life Insurance  To provide adequate relief to the family in the event of premature death of an employee while in service.  Maximum coverage Executive & above-Rs.1.6 lacs Officers-Rs.1.2 lacs Sales Rep/Office Staff/and substaff-Rs.0.8 lacs  Double accident coverage

10. Group Personal Accident Policy  All employees on rolls  24 hrs coverage  Can avail only in case of accident  1% of sum assured as weekly compensation  Compensation restricted to Rs.5000/- per week  Sum assured = (Basic)*5yrs.  Accidental death, sum assured will be paid

11. Group Gratuity Scheme  Reward for long & meritorious service  Service Period of Five Years or more  15 days of Basic for every completed year of service  Incase of Premature Death Gratuity will be paid upto the age of Retirement  Need to Submit Nomination Form

12. Employees Provident Fund  All employees are covered  Nomination Form  PF Transfer  Percentage of Contribution - 12%  Employees contribution12 % to EPF  Employer's 3.67 % to EPF & 8.33% to Family Pension Fund  As per PF & Misc.Provisions Act

13. Family Pension Scheme  8.33% of employer's contribution only  Loans not permissible  Pension can be availed after retirement but minimum of 10 years of contribution is a must  On Producing the scheme certificate from PF Office, FPF can be transfered to the New Employer & carried forward for continuity

14. EDLI  EDLI stands for Employees Deposit Linked Insurance Scheme  Exemption obtained from PF for better benefits to employees  Incase of premature death, Rs.62,000/- is assured  Double accident benefit of Rs.1,24,000/-

15. GROUP SUPERANNUATION SCHEME  To provide retirement benefit in terms of pension to the employees after their retirement.  Enployees in the Grades MN1 to MN5 and G2 to G5 are covered.  Minimum of 1 year is mandatory for availing the benefit.  Company contributes 15% of an employees monthly earned basic.  At the time of retirement or resignation, the employee can specify his choice for availing the benefit.

16. Salary Advance  All Employees  Any Specific Purpose  Amount equivalent to One month's Salary Twice in a Year Loans & Advances

17. Festival Loan  Employees in the grade O & S  During any Major Festival  Amount equivalent to Two months Salary or Rs.10,000/- which ever is lower  Once in a Year  The Loan taken will be deducted from the salary in 10 equal monthly instalments

18.  Eligibility for all Employees  House Rent Advance, Children School Admission Amount equivalent to Five months Salary once in a Year  The Loan taken will be deducted from the salary in 12 equal monthly instalments  Bills/ receipts paid or prospectus / fee structure of the school or college towards admission need to be produced along with loan application. Privilege Loan

19. Marriage Loan  All Employees  Own Wedding, Marriage of dependant children or dependant sisters  Employees who have completed three years of service can take amount equivalent to six months salary or Rs.40,000/- which ever is lower deducted in 20 instalments  Employees with less than three years of service can take amount equivalent to three months salary or Rs.25,000/- which ever is lower deducted in 15 instalments  Four times during his or her service.Wedding invitation card should be enclosed with the Loan application

20. Emergency Loan All Employees Hospitalisation, Serious Accident. For extended family members - the amount equivalent to three months salary can be availed The Loan taken will be deducted from the salary in 15 equal monthly instalments

21. Loan should be applied in the Prescribed Loan Format only. Loan application shall be submitted through the department / Functional head to the HRD Department If any Loan is pending, further loan will not be allowed except in case of emergency.when one emergency loan is pending, another emergency loan shall not be given Second Loan for higher amount to foreclose the previous loans shall not be allowed Procedure for applying Loan

22. Procedure for applying Loan - continued If the Loan is taken before 15th of a month it will be deducted in the same month's salary. If the Loan is taken after 15th of a month it will be deducted in the next month's salary

23. General Conditions: (continued) Note: Any loan amount equivalent to Rs.20,000/- or more shall attract Income Tax The interests on such loan amount shall be treated as perquisites for Income Tax purposes as per the Income Tax Act

24. Company Leave Policy  PL - 30 Days  CL - 7 Days  SL - 7 Days  PBL - 6 Days  National & Festival Holidays as per Act  Loss of Pay (authorised/unauthorised)

25. Probationary Leave  6 days during probation period  Unavailed probationary leave shall lapse at the end of the probation period

26. Casual Leave  7 days a year  Max. 2 days at a time  Unavailed casual leave shall lapse at the end of the calendar year

27. Sick Leave  Maximum 7 days a year  Can be accumulated upto 28 days  Medical Certificate required for more than 3 consecutive days

28. Privilege Leave  Can avail only after one year of service  Maximum 30 days in a year  Minimum 3 days to be availed  Maximum 3 times in a year  Can be accumulated till 120 days  Can be encashed every year  Intervening holidays treated as part of leave

29. Leave Encashment  Unavailed PL in excess of 20 days can be encashed every year  Requisition to reach HRD for leave encashment  Encashment along with salary revision

30. Perquisite Basket Perquisite Basket amount can be claimed in following ways Medical Reimbursement: submitting the medical bills and can get claimed Conveyance: up to 2500/-month shall be claimed using claim form Meal Vouchers : 1690 worth meal vouchers will be provided.

31. Birthday Gift Scheme  All Permanent employees are eligible  Reimbursable Gift Amount - Rs.750/-  Can be utilised for Restaurent bills, Purchase of cloths and cakes only

32. Marriage Gift Scheme  All Permanent employees are eligible  Gift Amount - Rs.2500/-

33. Thank you Best wishes for a happy and a long rewarding career.