1. A Reliance Capital company Reliance Life Insurance Company Limited A Snapshot

2. A Reliance Capital company  4th largest private player in a span of just two years  Amongst the fastest growing Companies for 3 years in a row  1145 branches up from 181 in just over 2 years  Fastest to reach the 4 million policy mark  Sales force of 1,48,000 Advisors and over 20,000 employees Demonstrated Unparalleled Growth

3. A Reliance Capital company  Ranked No 4 in 2008-09, as compared to No 11 in 2005-06  Market Position to No 4 in 2008-09 in terms of Individual Business Premium  Fastest to cross 1.5 Mn Policy mark in under 2 years & 4 Mn in 3 years; 3 rd largest private insurer in terms of policy count in 2008-09  Continuous increase in market share over 3 years; from 1.9% in 2005-06 to 10.31% in 2008-09  Always outperforming market in terms of growth; 28% as of Mar’09 against private player industry growth of 1% Business Performance

4. A Reliance Capital company  1st to launch a mobile based service - ‘ Instant Insurance’  1st to launch over the counter policy – ‘Express Life’  Highest non-medical limits in the industry  1st to set up 600 offices in less than 10 months  1st to achieve 100% claims settlement within 3 days of receipt of complete documents  1st to offer a real-time service request execution feature across customer, advisor and third party portals Game Changers in the Industry

5. A Reliance Capital company  Most comprehensive online service & sales platform across customer, advisor & third party portals  Offline systems and modules  Real-time & online company dashboards  Auto Underwriting systems  Convenient and flexible Channel Management Systems  Web-enabled Lead Management System State of Art Technology

6. A Reliance Capital company  Ensures all internal processes mapped and documented through BPMS process  1st company to be BVQI Certified ISO 9001:2000 for all processes pan-India  Winner of Reliance Anil Dhirubhai Ambani Group’s Chairman’s Quality Award  Practitioner of Lean Six Sigma Methodology for efficiency and productivity improvements Quality Focus

7. A Reliance Capital company  Winner of Jamnalal Uchit Vyavahar Puraskar for 2007  Shortlisted by Asia Insurance Award &NDTV Profit for ‘Life Insurer of the Year’  Rated amongst the most web-positive companies by Outlook Money  Rated as ‘most transparent’ in terms of investment disclosures by Outlook Money  Winner of Quality Council of India award for 2008 External Recognition

8. A Reliance Capital company Organizational Updates confidential Organisational Updates

9. A Reliance Capital company 9 of 19 confidential Contents  ADAG Group Updates  Reliance Capital Highlights  RLICBusiness Updates  Zonal Updates

10. A Reliance Capital company Anil Dhirubhai Ambani Group – An Insight  Established presence across a wide spectrum of high-growth, consumer-facing businesses: Telecom Energy Infrastructure Power Financial services Media and entertainment  We are amongst India’s top three private sector business houses on all major financial parameters, with a market capitalization of Rs.325,000 crores  150 Million Customers…., 12 million shareowners…… 1,30,000 employees.  Through its products and services, the Reliance - ADA Group touches the life of 1 in 10 Indians every single day. It has a business presence that extends to over 20000 towns and 4.5 lakh villages in India, and 5 continents across the world. And Still Counting…….

11. A Reliance Capital company A peek into the Reliance Capital Group  Reliance Capital, a constituent of S&P CNX Nifty and MSCI India, is a part of the Reliance Anil Dhirubhai Ambani Group and is one of India's leading and fastest growing privates sector financial services companies.  Reliance Capital’s Business Mix comprises of: Sam Ghosh, CEO, Reliance Capital

12. A Reliance Capital company A peek into the Reliance Capital Group…  In a short span of 4 years, and even after the sharp general market correction over the past year, we have been ranked amongst the top 3 business houses in India.  Even in the Financial Sector, we have been ranked amongst the top 3 private sector Indian companies, after lClCl and HDFC.  We have received the highest credit ratings, of ‘A1’, awarded by ICRA.  CARE has assigned our long term debt program a rating of ‘CARE AAA’, indicating the highest levels of safety.  We are: ­India’s largest Mutual Fund by far ­One of India’s top 3 private general insurers ­One of India’s top 4 private life insurers ­One of India’s leading brokers and distributors of financial products & services

13. A Reliance Capital company Reliance Capital Performance Highlights for 2008-09  Our Financial Performance in 2008-09 are: ­Total Income Of Rs. 5,976 crore – and increase of 22% ­Net Profit of Rs. 1,016 crore – an increase of 1% ­Earnings per share of Rs. 41.35 – an increase of 1% ­Total Assets of Rs. 24,260 crore – an increase of 32%  As on 31 st March ’09, Reliance Capital’s net worth stood at Rs. 7,491 crore (US$ 1.5 billion) and total assets of Rs. 24,260 crore (US$ 4.8 billion). It is noteworthy that this growth is purely organic – and made entirely in India!

14. A Reliance Capital company RLIC – The Year that has gone….  2008-09 was a year when the Life Insurance industry witnessed a 6% decrease of New Business Premium. As against this, RLIC recorded a new business premium of Rs. 3,514, an increase of 28%  It has maintained its position amongst the top four private sector life insurance companies in India  It is one of the fastest growing life insurance companies with a private sector market share of 10.3% Mr. Malay Ghosh, or Malayda as he is fondly called, in his office.

15. A Reliance Capital company RLIC – The Year that has gone….  The policyholders funds under management increased to Rs. 5,895 crores – an increase of 65%  Total number of policies in force as on 31 st March ’09 were 33,03,165 – and increase of 128%  The distribution network was increased to 1145 branches as against 745 branches  The No. of agents was 1,49,613 – a decrease of 19% thereby emphasizing on productivity

16. A Reliance Capital company RLIC – The Year that has gone….  During the year, 8 new life insurance policies were launched, viz., ­Reliance Super Invest Assure Plan ­Reliance Super Invest Assure Plus Plan ­Reliance Guaranteed Return Plan Series I Insurance ­Reliance Guaranteed Return Plan Series I Pension ­Reliance Group Savings Linked Insurance Plan ­Reliance Group Credit Shield Plan ­Reliance Imaan Investment Plan ­Reliance Savings Linked Insurance Plan

17. A Reliance Capital company RLIC – Quarter I Highlights  We are the No. 1 Private Insurer in terms of no of policies for June and the First Quarter.  For the month of June we are no 3 in terms of New Business Premium as well as WRP  In terms of Individual business WRP, we are No 2 for the month of June beating SBI Life to it and No 3 for the Quarter  Group business contributes to 10% of Reliance Life New Business Premium while the contribution is 49% SBI, 29% for ICICI and 17% for Bajaj  In terms of growth, we have registered a growth of 32.5% in June'09 over June'08 and 6.9% over Q1 2008 in terms of New Business WRP; the only one amongst the top 6 players to register a positive growing in Q1 ; SBI was the only other Insurer with a marginal growth of 0.9%.

18. A Reliance Capital company RLIC – Quarter I Highlights  This year we have seen a month on month improvement in performance with June'09 growing at 63% over May'09 against an Industry growth of 15%  Total No. of policies sold upto June ’09 stands at 4,06,699  Our total New Business Premium figure is 505 Crore and our WRP Achievement till June ’09 449 crores  For Agency, Central Zone had the highest target Achievement while Indore RO2 region was at the top in terms of target achievement. Amongst Branches, this honour goes to Nashik 3 Branch  achievement

19. A Reliance Capital company RLIC – Quarter I Highlights  In CDA, the position of Pride goes to the East Zone and the top performing regions was Guwahati  For the TPD channel, East Zone takes the cake for the highest target  The Employee Benefits Channel has achieved 216% of its targets for this quarter  In Affinity, North Zone is the top performing zone and Punjab was the top performing region.

20. A Reliance Capital company Central Zone – The year that has gone…. We take the pride in acclaiming ourselves to be No.1 Zone for consecutive 12 months in the Financial year 2008 – 09 Accolades came our way for being the only Zone with 5 Region in the Top 10 Regions of the country Must emphasis the fact that the same comprises of 50% of the Top 10 Regions from Central Zone itself Not only business….not only Regions……we were No. 1 in the country on SM productivity as well

21. A Reliance Capital company Central Zone – Quarter 1…. Rise of Vidarbh from last position in FY 08-09 to 3rd in Zone and 12th in India in the month of June. For the first time all the regions of any Zone have Achieved 100% of monthly Target on the basis of Issuance. On ARF Zone was No. 1 in May and No. 2 in June (Trgt Vs Acht). Indore RO 2 and Raipur have over achieved their quaterly Trgt on Issuance. 81% branches have done more than 10 lacs business in June. 10 % of the sanctioned SM’s got promoted w.e.f 1st April.

22. A Reliance Capital company 22 The Entire Zone got United with the Spirit of Appreciating and recognizing the said and unsaid contribution of each member of Central Team family. And this was marked with Smiles, pats on backs, games, music, all in all fun and frolic at work. The Zone welcomed Apoorva Rastogi – the new DZHRM with zeal and utmost faith for his contribution to facilitate Central Zone attain mind boggling and spectacular results. Central Zone – Human Resources Updates

23. A Reliance Capital company 23 INDEPENDENCE DAY CELEBRATION S.NOACTIVITYMOTIVATION 1 FLAG HOISTING : All the branches will take Pride in celebration of our Independence day by hoisting National Flag at the same Hours. To Salute with entire Zone United 2 BRANCH DECORATION : All the branches will be decorated with Tri- Colour and snaps sent to Zonal Office for preparation of Zonal Team Collage. To construct a team collage 3CONTEST FOR PRACTICAL LEARNINGS FROM INDEPENDENCE HERO'S: Launching a contest for branches and respective teams to come up with ideas for practical implementation of preachings / slogans / ideologies of freedom fighters, that can be implemented for increasing the effectiveness and efficiency of processes for day to day activity of the branch. Best three Ideas will be recognized and instruments designed for implementation. Central Zone – Human Resources Updates What's Next…..

24. A Reliance Capital company Thank You