2. Investors Mindset - Liquidity We all want Liquidity. It makes us feel ‘safe’ Liquidity to us means Cash in hand Cash in Bank (Savings Account) Large majority of Indians keep cash at home, apprehending emergency The biggest emergency people are afraid of is Health Emergency

3. But I can always buy Health Insurance

4. What’s Reality…!! ~ 60% Indians pay for health from their own savings Indian Population – Access to Health financing - 2014 Huge Untapped Segment : The middle market – Termed “Savers” who, ‘Pay-as-they-go” for health. Source: Government Sponsored Health Insurance - Are you covered? Gerard La Forgia and Somil Nagpal; World Bank 2012, Table 3.1

5. Another Reality !! Existing health insurance covers only hospitalization costs 27.9% 72.1% Split of total health spend, India, 2013, % 100% = Rs 400,000 cr The character of health spending has changed and shifted towards outpatient. Health insurance products have not kept up. One has to”Pay from Pocket” for ~72%+ of one’s total medical expenses. Outpatient costs, Drugs, Diagnostics Hospitalization costs Source: National Sample Survey Organization of India (NSSO)

6. So what’s the solution Keep cash at home Keep cash in bank @ 4% Put in Instruments that give good Returns + Liquidity OR

7. Presenting

8. The Wealth2Health proposition Functions like a normal FD when the customer is well Pays for healthcare expenses when ill A deposit that comes with a card – ‘Deposit Card’ Customers can use the card to pay for Health Expenses, at designated hospitals/diagnostic centres Customers can use the card to pay for Health Expenses, at designated hospitals/diagnostic centres Instant loan against FD is created. No need to break FD. No loss of interest

9. The Power of the Card DOC ‘ROUND THE CLOCK Cashless access to any empanelled hospital Rs 1 lac, accidental death insurance – first depositor 24/7 access to a doctor on ‘phone Advice on which hospital to choose Access to neutral, ‘second opinion’ 5 to 25% discounts on tests and hospitalization All This At No Extra Cost

10. Too Good to be True !!

11. So How Does It Work Every depositor gets a Wealth2Health Card – to first/sole holder onlyLimit of 75% of the FD amount is tagged to the card Each time a customer authorizes a payment to designated hospital/diagnostic centre, a Loan-Against-FD equivalent to the amount authorized is created Loan created at 2% above the underlying FD interest rateLoan can be repaid in part/full anytime during the tenure of the FDEasy cashless authorization process – OTP and Photo CardNo restrictions on number of authorizations, or on number of FDs that can be linked

12. Some Terms.. Only resident Individuals can applyAll benefits associated with the card will be available to first/sole holder onlyThe cashless facility on the Deposit Card will be activated after 3 months from FD creation date Each authorisation through the Deposit Card would be considered as fresh loan against FD and interest will be calculated accordingly for the amount which has been authorised The customer can link multiple FDs to the card. The limit available will be cumulative value of 75% of each linked FD If loan is not repaid till maturity of FD, all amounts due will be adjusted from the maturity proceedsMobile number is mandatory

13. thru All This Made Possible thru our Health Services Partner: Holding Company of (erstwhile) TTK Healthcare TPA Administers 1.9 cr lives, pan India, for health insurance 6600 hospitals, 1500 diagnostic centers network; 800 cities Strong customer service platform – Mobile App / SMS / Email

14. Wealth2Health – WIFM (The Investor)! Wealth2Health – WIFM (The Investor)! Minimum Deposit: Rs 25,000/= Privilege: Senior Citizens, Armed Forces Personnel, Widows, DHFL Home Loan Customers & DHFL Shareholders

15. The Value Proposition in summary… Breaks the clutter Shifts focus from ‘rates’ to value Transforms FD into a ‘Health’ Fund Helps increase the customer pie Price-war to Value-war Creates Brand Awareness Power of ‘Health’ as an acquisition tool Up-sell opportunity Something ‘New’ People give their Health to create Wealth. Wealth2Health returns the favour Customer DHFLBroker

16. Q&A

17. Thank You