SWARNA MUDRA Surat Diamond Jewellery Pvt. Ltd Brought to you by In association with Reliance Infrastructure Finance Pvt. Ltd.

TABLE OF CONTENTS Introduction to Swarna Mudra About Surat Diamond Jewellery Pvt. Ltd About Reliance Money Benefits of the Plan Product Features Illustration Comparison with the Market

INTRODUCTION TO SWARNA MUDRA Accumulate Gold Grams in small quantities on a Monthly basis and at the end of the term Redeem in Gold Coins + Free Risk Cover on pending installments

ABOUT SURAT DIAMOND JEWELLERY Surat Diamonds is a manufacturer and retailer of fine Diamond and Gold Jewellery One of the leading e-commerce sites in India having more than 10 years of experience in selling jewellery online Shipped to more than 5 lac customers in India and 35 countries globally SuratDiamond.com has approx. 1.2 million page views per month and 1.30 lac unique visitors till date

ABOUT SURAT DIAMOND JEWELLERY

ABOUT RELIANCE MONEY Reliance Money through its pan India presence with 6,233 outlets, has more than 3.5 million customers. Over 2 tonnes of Gold Coins sold to over 2 lakhs customers in the last 3 years Tie-ups with World Gold Council and India Post to distribute Reliance Money Swiss Gold Coins PAN India

Product Features GOLD COIN PURITY 24 carat imported Swiss Gold Coins of 99.99% purity GOLD COIN DENOMINATIONS 0.5 / 1 / 5 / 8 / 10 gm GOLD PRICE Parity with India Post Price INITIAL PAYMENT by DD Rs. 12000/- MONTHLY SUBSCRIPTION BY ECS/DIRECT DEBIT Rs. 2000/- and in multiples of Rs. 1000/- thereafter TENURE 3 / 5 / 7 / 10 years LOCK IN PERIOD 12 months. Gold cant be redeemed before the completion of Lock-in period MIN. PURCHASE VALUE Rs. 60,000/- Pre-mature Termination Fee Pre-mature Termination Fee to be levied on redemptions less than the minimum purchase value RISK COVER START DATE 3 months from the Start of the Plan Charges Processing Fee of Rs. 1000/- to be levied in case ECS Mandate fails due to intentional misrepresentation of information by customer and balance amount refunded Processing Fee of Rs. 150/- to be levied in case of dishonor of DD/ECS/Direct Debit Description < 24 months > 24 Months Pre-Mature Termination Fee Rs. 8000/- Rs. 5000/-

BENEFITS OF SWARNA MUDRA PLAN FOR SPECIAL EVENTS Accumulation of Gold with small amounts over sustained periods for a larger grammage / meeting up with ones savings, goals or Objectives thought of like daughter’s wedding, etc. COST AVERAGING Allows the customer to average his price on Gold over a period of time resulting into GUARANTEED PURITY 24 karat imported Swiss Gold of 99.99% Purity with Assay Certification TRANSPARENT AND SECURE Gold Grams credited up to 2 decimal points on the Daily price of Gold and an advance receipt is generated for every payment FREE RISK COVER The pending monthly subscription amounts are insured for free

SUBSCRIPTION SUMMARY TENURE CHOSEN 3 Years MONTHLY SUBSCRIPTION CHOSEN Rs. 2000.00 MONTH AMOUNT GOLD RATE GRAMS ALLOTED 1 12,000 3000.00 4.00 2 2,000 2900.00 0.68 3 2850.00 0.70 4 2950.00 0.67 … …. YEAR AVG.GOLD RATE 34,000 2800.00 12.14 24,000 8.00 3200.00 7.50 TOTAL 82,000 2967.00 27.64

REDEMPTION SUMMARY REDEMPTION SUMMARY ACCUMULATED GRAMS 27.64 RESIDUAL GRAMS 0.36 GOLD RATE ON DATE OF REDEMPTION Rs. 3150.00 ADDITIONAL PAYMENT FOR RESIDUAL GRAMS Rs. 1134 TOTAL REDEEMABLE GRAMS 28 grams VAT on Redeemable Grams (@1%) Rs. 882/-

COMPARISON WITH MARKET Features Swarna Mudra Plan Gold ETF Gold Savings Fund Jeweller Backed by Physical Gold Yes No Fulfilment Mode Gold Coins/Jewellery* Cash Own Jewellery only Allotment Price of Gold at each Subscription Net Asset Value Price of Gold at the end of the tenure Mode of Subscription Cheque / DD / ECS Stock Exchanges ECS / Cheque / DD Average Pricing Methodology Impurity Risk Not Applicable Life Risk Cover Demat a/c