1. Presentation on Achieving Goals in Life

2. Let us begin with a little quiz 25 Years What is the Average Age when one starts Earning?

3. What is the Average Retirement Age? 60 Years

4. Rs.15,000/- p.m. What is an Average Income of an Middle-Class House-hold?

5. Rs.5,000/- p.m. How much can a person save on a regular basis?

6. If a person can save Rs.5,000/- per month What will be his wealth when he retires? Assuming: He increases his investments by 5% every year Invests in an Asset class that gives returns of 20%

7. At Age 60 his wealth would have been Rs.27 Crores

8. Creating Wealth is Easy We can all be Wealthy THE TRUTH

9. Start Saving Early The longer you save, the more you make Save in the Right Asset Class This will dictate how much wealth you create … Save Regularly Even a small amount saved regularly, is good How can you create wealth?

10. 4.90 Crores* 27 Crores* 40 years 25 years60 years RamShyam Savings Starting Age2540 Savings - Monthly SIPRs.5,000/-Rs.15,000/- Saving Years till age 6035 years20 years Total Amount Saved (appx.) Rs.57 lacsRs.62 lacs Starting Early Give time to your investments rather than timing Assumptions: (a) Savings grows at 5% annually (b) Returns assumed at 20% CAGR

11. Sensex Company Deposits Bank Deposits Inflation Gold Equity market (represented by BSE Sensex) has outperformed all other investment avenues Selecting Right Asset Class

12. In past 27 years BSE Sensex has given about 18% returns Past Performance (BSE Sensex) YearSensexInvestment Rs. 19791001,00,0000 200610,0001,00,00,000 This is in spite of … Two wars At least three major financial scandals Assassination of 2 prime ministers At least 3 recessionary periods 10 different governments and An unfair share of natural disasters

13. 18.57% 0 / 13 Equities: Not Risky in Long Run

14. Twin Benefits of Investing Regularly Disciplined Investing through Systematic Investment Plans (SIPs) is the ideal way to reduce risk Rupee Cost Averaging Average Purchase cost will be less Automatic Timing At higher prices – less units At lower prices – more units Rising Market Falling Market MarketUnits PurchasedMarketUnits Purchased Save Regularly

15. You do an SIP of Rs.10,000 per month Total Amount Invested Mutual Fund Equity Schemes BSE Sensex Invt. Value Ann. Returns Invt. Value Ann. Returns During last 5 yearsRs. 6 lacs18.64 lacs47.0913.96 lacs34.93 During last 10 yearsRs.12 lacs89.94 lacs37.8930.65 lacs17.92 Past Performance (SIP) Performance of Systematic Investment Plans (SIPs) in Mutual Fund Equity oriented schemes Also Equity Mutual Funds have outperformed Sensex, as shown above Figures are as on 30 th June 2006. For MF SIP performance for 5 year & 10 years around 30 and 5 large schemes respectively, have been considered. Mutual fund investments are subject to market risks. Past performance may or may not be sustained in future. Please read the offer document offer investing.

16. “We do not need to be wealthy to be an investor …But we can be wealthy if we are investors” The Right way to create wealth … Buying potential big winning stocks Successfully timing the markets Following Expert Advisors recommendations Saving a lot of money Wealth can be successfully created if we just follow the three basic principles... Starting early and saving for long Investing in the right asset class Investing Regularly – big or small Wisdom X X X X

17. Child Marriage We all have goals in life like… Car Child Education Dream House Using the Wisdom

18. We can direct our savings in such a manner that we achieve our goals, the way we wish DISCIPLINED SAVINGS + SUFFICIENT TIME + RIGHT ASSET CLASS = GOAL ACHIEVEMENT

19. Presents Set your Goal & we’ll help you Achieve it

20. NJ GAP is a unique goal based investment programme through a Systematic Investment Plan (SIP) Investors in this programme have the flexibility of choosing a monthly investment amount as well as the investment duration of their choice This should enable the investors to plan for their goals without needing to review, re-invest or for that matter, time the markets. Monthly Investment OptionsInvestment Horizons Rs.2,000/-Rs.5,000/-5 years10 years Rs.10,000/-Rs.15,000/-15 years Presenting

21. Investments in the right asset class … In Equities with potential to earn very attractive returns Investment at lower risk… By Diversification, professional management, and investing by way of SIP Investment in a Scheme with Sound Performance History Investments across market caps in companies like to deliver capital appreciation Advantages to You …

22. Investment with a Fund House of Repute Principal PNB AMC – a joint venture between Principal Finance Group, Punjab National Bank & Vijaya Bank Investments are highly liquid There is no lock-in period of any kind and investments can be very easily redeemed at any time you wish Hassle-free process of wealth creation You only have to fill the GAP Application form and the Auto Debit (ECS) form and submit it with one cheque* Note: All cheques should be dated 15 th August 2006. The monthly ECS will begin thereafter.

23. About Principal Pnb Asset Management Company Pvt Ltd (in association with Vijaya Bank) Today Principal Mutual Fund in India manages around Rs.10,000 crore assets for over 5,41,000 investors

24. Scheme with a sound performance history, from a fund house of repute Principal Growth Fund: An open-ended diversified equity fund that invests in well managed companies that are likely to deliver superior capital appreciation over the medium-term. A diversified equity fund with a combination of top-down & bottom-up approaches One core portfolio offering equity across styles, market caps and sectors Choice of Large Cap and Mid Cap companies-Mid cap exposure restricted up to 30% of the portfolio

25. Investment Period Annualised Returns Principal Growth FundS&P Nifty 1 Year50.02%47.11% 3 Years58.36%44.93% 5 Years36.43%21.32% Monthly Investment of Rs.10,000/- in Principal Growth Fund for the last 60 months have generated 41.76% returns All the figures are as on 31 st May, 2006 Mutual fund in investments are subject to market risks. Past performance may or may not sustained in future. Please read the offer document carefully before investing Impressive track record …

26. Statutory Details: Principal Mutual Fund has been constituted as a trust with Principal Financial Group (Mauritius) Limited, Punjab National Bank and Vijaya Bank as the co-settlors. Sponsor: Principal Financial Services Inc., USA. Trustee: Principal Trustee Company Private Limited. Investment Manager: Principal Pnb Asset Management Company Private Limited. Risk Factors: Mutual funds and securities are subject to market risks and there can be no assurance and no guarantee that the objectives of Principal Mutual Fund can be achieved. As with any investment in securities, the NAV of the units issued under the Scheme (s) can go up or down, depending up on the factors and forces affecting the capital markets. Past performance of the Sponsor/AMC/ Principal Mutual Fund/Punjab National Bank/ Vijaya Bank does not indicate or guarantee the future performance of the Scheme (s) of Principal Mutual Fund. Principal Growth Fund is only the name of the Scheme and does not in any manner indicate either the quality of the Scheme or its future prospects or returns. Investors are therefore urged to read the Offer Document (s) carefully, and consult their legal/tax/investment advisor before they invest in the scheme(s). The Sponsor is not responsible or liable for any loss resulting from the operations of the Principal Mutual Fund beyond the initial contribution of an amount of Rs 25 lakhs towards setting up Principal Mutual Fund. Investors in the scheme(s) are not being offered a guaranteed or assured rate of return or monthly or regular/periodical income distribution, and the actual returns and/or periodical income distribution to an investor will be based on the actual NAV, which may go up or down, depending on the market conditions. Investment of the Scheme’s assets in fixed income securities is subject to credit risk, interest rate risk, settlement risk and liquidity risk. Scheme specific risk factors are mentioned in the offer document. Kindly refer to the Offer Document of the respective schemes carefully prior to investing.