1. Club Rules for Agents w.e.f M.Y 2011-2012

2. Agents Club Rules CRITERIACMZMDMBM 1 MINIMUM NET NO OF LIVES40302015 2NET NO OF LIVES1301008050 OR NO OF LIVES INFORCE600400250150 3 RENEWAL COMMISSION2 lacs/3 LACS1.4 Lacs/2.1 Lacs 90000/1.35 lacs 50000/ 75000 AND FIRST YR COMMISSION 2 Lacs / 1 Lac1.4 L / 70000 60000 / 30000 35000 / 17500 OR FIRST YR COMMISSION4 Lacs2.8 Lacs1.2 Lacs70000 The criteria is to be fulfilled in qualifying year and in any 2 out of 3 financial years preceding the membership year with escalation clause of 3% from Membership Qualifying Year 2014-15

3. Benefits BENEFITSCMZMDMBM BASIC OFFICE ALLOWANCE350002200012000 ADDL OFFICE ALLOWANCEUP TO 30% TELEPHONE FACILITYRS.6000 / PARS.4000 / PARS.2400 / PA RS.1800 / PA REIMBURSEMENT OF SALES PROMOTIONAL GIFT ITEMS.RS.3000RS.2000RS.1000RS.500

4. Benefits GRADED BENEFITS FOR HIGHER PERFORMANCE TO CHAIRMAN CLUB MEMBERS MAXIMUM AMOUNT PAYABLE ** PERFORMANCE SLAB ** TO BE EARNED AS 31st MARCH OF QUALIFYING FINANCIAL YEAR OFFICE ALLOWANCE REIMBURSE MENT. (INCLUDING BASIC & ADDL) TELEPHONE EXPENCES REIMBUR SEMENT (INCL UDING BASIC RS.6000) SALES PROM OTION &GIFT ITEMS.(INCL U DING BASIC RS.3000) NO OF LIVES INFORCE-750 & PAID RC RS.5 LAKHS OR TOTAL COMMISSION (RC+FYC)-RS.7.50 LAKHS RS.40,000 RS.6,000 RS.3,000 NO OF LIVES INFORCE-1000 & PAID RC RS.6 LAKHS OR TOTAL COMMISSION (RC+FYC)-RS.10 LAKHS RS.50,0000 RS.8,000 RS,5,000 NO OF LIVES INFORCE-1250 & PAID RC RS.7.50 LAKHS OR TOTAL COMMISSION (RC+FYC)-RS.12.50 LAKHS RS.60,000 RS.8,000 RS.5,000

5. Benefits GRADED BENEFITS FOR HIGHER PERFORMANCE TO CHAIRMAN CLUB MEMBERS MAXIMUM AMOUNT PAYABLE ** PERFORMANCE SLAB ** TO BE EARNED AS 31st MARCH OF QUALIFYING FINANCIAL YEAR OFFICE ALLOWANCE REIMBURSE MENT. (INCLUDING BASIC & ADDL) TELEPHONE EXPENCES REIMBUR SEMENT (INCL UDING BASIC RS.6000) SALES PROM OTION &GIFT ITEMS.(INCL U DING BASIC RS.3000) NO OF LIVES INFORCE-1500 & PAID RC RS.9 LAKHS OR TOTAL COMMISSION (RC+FYC)-RS.15 LAKHS RS.70,000 RS.10,000 RS.7,500 NO OF LIVES INFORCE-1750 & PAID RC RS.10.50 LAKHS OR TOTAL COMMISSION (RC+FYC)-RS.17.50 LAKHS RS.80,0000 RS.10,000 RS,7,500 NO OF LIVES INFORCE-2000 & PAID RC RS.12 LAKHS OR TOTAL COMMISSION (RC+FYC)-RS.20 LAKHS RS.1,00,000 RS.12,000 RS.10,000

6. Lapsation Clause (For Existing Club Members) (1)Lapsation > 15% for One Year: No Advance for Fast Conveyance & Housing Loan. (2) Lapsation > 15% for 2 Years : No Convention and No Office Allowance. (3)Lapsation > 15% for 3 Years : No Club Membership

7. Additional Benefits ADDITIONAL OFFICE ALLOWANCE ON LESSER LAPSATION PERCENTAGE OF LAPSATIONADDL OFFICE ALLOWANCE 10 % OR LESS5% 9 % OR LESS8% 8 % OR LESS10% 7 % OR LESS12% 6 % OR LESS15% 5 % OR LESS18% 4 % OR LESS20% 3 % OR LESS22% 2 % OR LESS25% 1 % OR LESS28% 030% ADDL OFFICE ALLOWANCE WILL BE CALCULATED ON THE BASIS OF THE AVERAGE OF THE LAPSATION % OF THE LAST 3 FY S PRECEDING THE QUALIFYING YEAR. THE LAPSATION HAS TO BE LESS THAN OR EQUAL TO 10 % IN EACH OF THE LAST 3 YEARS

8. Transitional Arrangement TRANSITION ALFOR CM CLUB MEMBERSFOR ZM CLUB MEMBERSFOR DM CLUB MEMBERS ARRANGEME NT 2010- 2011 011- 2012 2012- 2013 2010- 20112011-2012 2012- 2013 2011- 20122012-2013 MINIMUM NET NO OF LIVES1530501025401830 NET NO OF LIVES130 100 80 NO OF LIVES IN FORCE565580600380390400242250 FIRST YR COMMISSIO N(Lacs)1.301.652.000.901.151.400.500.60 RENEWAL COMMISSIO N1.301.652.000.951.151.400.650.90

9. THANK YOU