1. Confidential Copyright Birla Sun Life Insurance Company Limited 2009 11 Birla Sun Life Insurance Empower Pension Plan

2. Copyright Birla Sun Life Insurance Company Limited 2012 2 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Intro Benefits Investment Options Flexibilities Charges Disclaimers Plan Details

3. Copyright Birla Sun Life Insurance Company Limited 2012 3 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Intro Benefits Investment Options Flexibilities Charges Disclaimers Plan Details Benefits

4. Copyright Birla Sun Life Insurance Company Limited 2012 4 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Intro Benefits Investment Options Flexibilities Charges Disclaimers Plan Details Benefits

5. Copyright Birla Sun Life Insurance Company Limited 2012 5 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Intro Benefits Investment Options Flexibilities Charges Disclaimers I am afraid of any unforeseen events that might eat up my savings Plan Details Benefits

6. Copyright Birla Sun Life Insurance Company Limited 2012 6 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Intro Benefits Investment Options Flexibilities Charges Disclaimers I am worried about the increasing cost of medical expenses Plan Details

7. Copyright Birla Sun Life Insurance Company Limited 2012 7 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 I am afraid that my investments won’t perform well Intro Benefits Investment Options Flexibilities Charges Disclaimers Plan Details

8. Copyright Birla Sun Life Insurance Company Limited 2012 8 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 I will need to support my children or grandchildren Intro Benefits Investment Options Flexibilities Charges Disclaimers Plan Details

9. Copyright Birla Sun Life Insurance Company Limited 2012 9 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 I haven’t saved enough Intro Benefits Investment Options Flexibilities Charges Disclaimers Plan Details

10. Copyright Birla Sun Life Insurance Company Limited 2012 10 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 I won’t get enough from my work pension scheme Intro Benefits Investment Options Flexibilities Charges Disclaimers Plan Details

11. Copyright Birla Sun Life Insurance Company Limited 2012 11 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 I am concerned about the cost of looking after my parents Intro Benefits Investment Options Flexibilities Charges Disclaimers Plan Details

12. Copyright Birla Sun Life Insurance Company Limited 2012 12 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 I have too much outstanding debt Intro Benefits Investment Options Flexibilities Charges Disclaimers Plan Details

13. Copyright Birla Sun Life Insurance Company Limited 2012 13 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Can my Income continue the way Life does post Retirement? Intro Benefits Investment Options Flexibilities Charges Disclaimers Plan Details

14. Copyright Birla Sun Life Insurance Company Limited 2012 14 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Intro Plan Details Benefits Investment Options Flexibilities Charges Disclaimers BSLI Empower Pension Plan

15. Copyright Birla Sun Life Insurance Company Limited 2012 15 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Intro Plan Details Benefits Investment Options Flexibilities Charges Disclaimers Entry Age:25 to 70 years Accumulation Term:5 to 30 years, subject to maximum vesting age of 80 years Premium Paying Term:Regular Pay Policy Premium:Minimum Rs. 18,000 p.a. if paid annually Minimum Rs. 24,000 p.a. if paid semi-annually Minimum Rs. 30,000 p.a. if paid quarterly Minimum Rs. 36,000 p.a. if paid monthly Premium Payment Frequency :Annual, Semi-Annual, Quarterly & Monthly

16. Copyright Birla Sun Life Insurance Company Limited 2012 16 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Intro Plan Details Benefits Investment Options Flexibilities Charges Disclaimers Premium amount you wish to pay every year till the vesting date Policy Premium Accumulation period between 5 to 30 years Vesting Date Aggressive | Moderate | Conservative, based on your risk appetite Once chosen, the risk profile cannot be changed Risk Profile You Choose

17. Copyright Birla Sun Life Insurance Company Limited 2012 17 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Intro Benefits Investment Options Flexibilities Charges Disclaimers  Structured depending on chosen vesting date and risk profile  Premiums invested under two investment funds  Maximiser Guaranteed – an equity fund  Income Advantage Guaranteed – a debt fund  BSLI will manage & administer the investments on your behalf  Allocation turns conservative as the vesting date approaches to protect accumulation The proportion invested in Maximiser Guaranteed(an equity fund) will be according to the schedule given below – the remaining amount will be invested in Income Advantage Guaranteed(a debt fund): Years toRisk Profile VestingAggressiveModerateConservative 50% 6 – 1020%15%10% 11 – 1540%30%20% 16 – 2060%45%30% 21 – 2580%60%40% 26 – 30100%75%50% Smart Option Plan Details

18. Copyright Birla Sun Life Insurance Company Limited 2012 18 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Smart Option Equity Allocation % | Risk Profile – Aggressive | Accumulation Term – 30 years Allocation % Years to vesting 30 25 201510 5 Intro Benefits Investment Options Flexibilities Charges Disclaimers Plan Details

19. Copyright Birla Sun Life Insurance Company Limited 2012 19 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Intro Benefits Investment Options Flexibilities Charges Disclaimers Guaranteed Additions  6th policy anniversary and on every policy anniversary thereafter. Guaranteed Addition is 0.25% of the average Fund Value in the last 12 months; plus  11th policy anniversary and every policy anniversary thereafter. Guaranteed Addition is 0.35% of the average Fund Value in the last 12 months; plus  16th policy anniversary and every policy anniversary thereafter. Guaranteed Addition is 0.35% of the average Fund Value in the last 12 months Vesting Benefit  Higher of Guaranteed Vesting Benefit or  Fund Value Guaranteed Vesting Benefit AccumulationRisk Profile Period (years)AggressiveModerateConservative 5--105% 6 – 10101%106%112% 11 – 15102%110%119% 16 – 20103%114%126% 21 – 25104%118%133% 26 – 30105%122%140% Plan Details

20. Copyright Birla Sun Life Insurance Company Limited 2012 20 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Death Benefit  Higher of Guaranteed Death Benefit or  Fund Value Where, Guaranteed Death Benefit is higher of (a)105% of all Premiums paid or (b) Accumulation of all Premiums paid till date at a compounding guaranteed rate. The guaranteed rate varies by the risk profile chosen by the policyholder and is equal to 0.5% p.a., 1.5% p.a. and 3.0% p.a. for Aggressive, Moderate and Conservative risk profiles respectively. Surrender Benefit  Fund Value Any surrender would we treated as per the Policy Discontinuance Intro Benefits Investment Options Flexibilities Charges Disclaimers Plan Details

21. Copyright Birla Sun Life Insurance Company Limited 2012 21 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Intro Benefits Investment Options Flexibilities Charges Disclaimers Option 1Extend the accumulation phase, provided the is below the age of 55 years provided maximum vesting age is not more than 80 years. On extension, the funds will be automatically switched to Income Advantage Fund along with the premiums paid during extension period Option 2 Enter into a single pay deferred pension plan with us as per then available products Option 3Commute to the extent allowed (as per the extant Income Tax Act) and utilize the balance to receive a stream of regular income from us as per our then available products Option 4Enter into an income phase with us as per our then available products on your surrender date Option 1Option 2Option 3Option 4 Vesting √√√√ Death* √ Surrender √√√ Plan Details

22. Copyright Birla Sun Life Insurance Company Limited 2012 22 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Intro Benefits Investment Options Flexibilities Charges Disclaimers Premium Allocation Policy Admin Fund Management Investment Guarantee0.25% p.a. adjusted in NAV Policy Year% of Premium 16% 2 - 35.5% 4 - 105% 11+4% Policy YearCharge (in Rs.) 1 - 520 p.m. 6 +25 p.m. plus 5% increase every year FundCharge Income Advantage Guaranteed 1.00% Maximiser Guaranteed1.35% Plan Details

23. Copyright Birla Sun Life Insurance Company Limited 2012 23 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Intro Benefits Investment Options Flexibilities Charges Disclaimers  Investment risk in the investment portfolio is borne by the policy holder  This is a Unit Linked pension plan  The premiums paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the policy owner is responsible for his or her decision  Birla Sun Life Insurance and BSLI Empower Pension Plan are only the names of the Company and Policy respectively and do not in any way indicate their quality, future prospects or returns. The name of the funds offered in this plan does not in any indicate their quality, future prospects or returns  Insurance is the subject matter of the solicitation  Tax benefits are subject to changes in tax laws  For more details and risk factors, refer to the product brochure  For Training purpose only Plan Details

24. Copyright Birla Sun Life Insurance Company Limited 2012 24 BSLI Empower Pension Plan – UIN: 109N078V02 PRP: TRA /12/13-14/6524 Intro Benefits Investment Options Flexibilities RidersCharges Disclaimers Thank You Plan Details