1. A Reliance Capital company Reliance Automatic Investment Plan Under this Plan, the Investment Risk in the Investment Portfolio is borne by the Policy Holder. For Internal Communication Only

2. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 2 I too want to profit from the bull run on stock markets like all others and…Take advantage of market volatility!! I want an expert to manage my investments for me so that I make money faster minus the anxiety I want full control over my investments Its my money..so I decide where to put it I want to have the flexibility to change my plan with changing lifestyle Reliance Automatic Investment Plan I want a plan that does all the work while I relax

3. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 3 Introducing Reliance Automatic Investment Plan

4. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 4 Offers your customers a solution, which adjusts automatically to their changing financial needs!!

5. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 5 Key Benefits: Only from Reliance Life  Automatic Asset Allocation (Ready Made Plan) – Provides automatic switching of funds to suit your changing risk profile with increasing age  Tailor Made Plan – You have the freedom to decide on your fund mix  STP - Systematic shift from low risk to equity funds, helps you to average out the cost per unit  Unique Exchange Option to shift between specific ULIP Plans from RLIC (currently allowed between Reliance Money Guarantee Plan and Reliance Automatic Investment Plan)  Unmatched flexibility – Freedom to utilize as high as 52 free switches per policy year  Top-ups – Park your additional savings as top-ups (maximum top ups allowed is 25% of total regular premium paid till date

6. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 6 Consumer Speak “Tell me why should I invest in ULIPs” Because they offer transparent, market-linked returns “I don’t know anything about finance market. How do I make my investments and get better growth?” Do not worry, the Plan has been designed by our experts after a careful consideration of funds. “Sounds fine, but what when my needs change as I grow older?” For that we have the Ready Made Plan. This automatically changes the fund pattern as per your age. “Will my money be invested in risky options? ” OR “What if I do not want to invest in risky options when I grow older?” We realize that your risk appetite may change as you grow older. The Ready Made Plan automatically takes care of this by switching funds automatically as per your life stage. “I do not want any hassles of tracking the funds or paperwork of switching” No problem, the Ready Made Plan just comes handy, because the plan takes care of switching the funds automatically without you having to give any instructions.

7. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 7 Consumer Speak “Wow! very interesting,but maybe later I may want to choose my investments myself. ” No problem, we also have a Tailor Made Plan option,In which you can shift laterally between any of the funds available under the Tailor Made Plan. You can even switch from the Ready Made Plan option & tailor made plan option if you desire later. “What if my financial needs change & I like to buy another plan of Reliance Life Insurance company ? We have the answer. For the first time in the industry we provide the unique Exchange Option. You can exchange in or exchange out from any other specified Reliance Life ULIPs

8. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 8 Part II More Details

9. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 9 Product Details 1. Basic Plan Features Basic Plan Features a)Policy Limits b)Premium Modes c)Life Cover Benefit d)Maturity Benefit e)Sum Assured f)Surrender Value 2. Options Available Options Available a)Ready Made Option b)Tailor Made Option c)Exchange Option 3. Other Benefits Other Benefits a)Riders b)Tax Benefits 4. Flexibility Available Flexibility Available a)Systematic Transfer Plan b)Top up Payment c)Partial Withdrawals d)Switching Option e)Settlement Option f)Convenient Premium Payment Options g)Premium Redirection 5. Charge Structure Charge Structure 6. Miscellaneous Miscellaneous 7. Summary Snapshot Summary Snapshot

10. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 10 Basic Plan Features

11. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 11 Policy Limits Basic PlanMinimumMaximum Age at Entry30 days 65 years last birthday Age at Maturity 18 years last birthday 80 years last birthday Policy Term5 years30 years Life Cover begins only after the age of 12 years. (last birthday)

12. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 12 Types of plans based on premium payment  Regular premium ­Premium to be paid every year for the entire policy term ­Minimum premium Rs. 10000 Annual Mode  Limited premium ­Premium paying term is minimum 5 years and in multiples of 5 years ­Minimum premium Rs. 20000 Annual Mode  Single Premium ­Premium to be paid only once during the term, only at the start of the policy ­Minimum premium Rs. 25000

13. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 13 Premium Payment Modes  4 Convenient Premium Payment Modes ­Yearly ­Half yearly ­Quarterly and ­Monthly  Premium can be paid by ­Cash, cheque, debit/credit card, ECS & direct debit

14. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 14 Premium Modes & Limits Mode Minimum Premium (Rs.) Regular PremiumLimited Premium Yearly10,00020,000 Half-yearly5,00010,000 Quarterly2,5005,000 Monthly1,0002,000 Single Premium25,000

15. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 15 Life Cover Benefit AgeDeath Benefit payable Less than 12 yearsFund value Above 12 yearsHigher of… Age above 12 years, but below 60 years Sum Assured less all partial withdrawals made in last 24 months Fund Value Above 60 years Sum Assured less all partial withdrawals made after age 58 years Fund Value Life Cover begins only after the age of 12 years. (last birthday)

16. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 16 Maturity Benefits  Fund Value as on date of maturity  The policy terminates on payment of the maturity benefit.

17. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 17 Minimum Sum Assured for Regular/Limited Premium policies Higher of: 5 times the annual premium OR Half of term multiplied by annual premium Minimum Sum Assured for Single Premium policies For single premium option, the minimum sum assured is 125% of the single premium amount Maximum Sum Assured No Limit Sum Assured

18. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 18 Options Available on Discontinuance of Premiums  Premium payment discontinued within 3 years of policy inception ­Insurance cover ceases immediately. ­Policyholder can revive the policy within 3 years’ revival period ­During the revival period applicable charges (except mortality charges) are deducted by cancellation of units ­If the policy is not revived, then applicable surrender value, if any, is paid at the end of the revival period.

19. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 19 Options Available on Discontinuance of Premiums (contd)  Premium payment discontinued after paying at least 3 full years premiums: ­Life cover continues, by deducting the applicable mortality charges. ­Riders are discontinued ­Policyholder can revive the policy within 3 years’ revival period ­If within the revival period, the account value falls below the amount of annual premium, the account value is paid and policy is terminated. ­If the policy is not revived, then with the consent of the policyholder, the policy is kept in force (by deducting the appropriate charges) until such time the unit account value does not fall below an amount equal to one annual premium. ­At this point the unit account value is paid to the policy holder and the policy is terminated.

20. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 20 Options Available

21. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 21 Two Plan options Ensures safety of investments as your risk appetite reduces with increasing age  Three prepackaged funds available as per age bands  Fund switch is automatic as you move from one age band to another  With growing age equity exposure is reduced  Flexibility to switch to Tailor Made Plan option Ready Made Option The fund mix changes automatically with changing life stage We manage your money while you relax Fund A Fund BFund C  Expert fund manager to manage the fund on your behalf  Hassle free investment management

22. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 22 Ready Made Plan – Fund Option Fund Name Investment Objectives Asset Category Asset Allocation Range (%) Target (%) Fund A High real rate of return in The long term through High exposure to equity investments Money Market instruments 0 – 400 Debt Securities Such as gilts, Corporate debt excluding Money market instruments. 0 – 10020 Equities0 – 8080 This fund is for the band of 0-40 years of age. This fund is customized to the general risk appetite during this period. High Risk Appetite

23. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 23 Ready Made Plan – Fund Option Fund Name Investment Objectives Asset Category Asset Allocation Range (%) Target (%) Fund B Significantly higher returns In the long term, through High exposure to equity investments. Money Market instruments 0 – 400 Debt Securities such as gilts, corporate debt excluding Money Market instruments. 0 – 10050 Equities0 - 5050 This fund is for the band of 41-60 years of age. This fund is customized to the general risk appetite during this period. Moderate to High Risk

24. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 24 Ready Made Plan – Fund Option Fund NameInvestment Objectives Asset Category Asset Allocation Range (%) Target (%) Fund C Returns that exceed the Rate of inflation in the long term while maintaining moderate probability of negative Returns in the short term. Money Market instruments 0 – 400 Debt Securities Such as gilts, Corporate debt excluding money market instruments. 0 – 10080 Equities0 - 2020 This fund is for the band of over 61 years of age. This fund is customized to the general risk appetite during this period. Moderate Risk

25. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 25 Two Plan options Decide your own fund mix with this option  Full flexibility to decide your asset mix depending on your risk appetite  Offers 4 funds - Money Market, Gilt,Corporate Bond & Equity Fund  Allocate your premium in all or any one fund in ANY proportion*  Take 100% equity to maximize returns or diversify your basket  52 free switches in a year  Flexibility to switch to Ready Made Plan option Tailor Made Option * Except for Money Market fund where max allocation is 40% of premiums at any time Flexibility to switch between the two plan options 52 times a year, free of cost You have the freedom to decide on your fund mix You control your investments & benefit from it Money Market (20%) Gilt (25%) Corporate Bond (30%) Equity (25%) Gilt (50%) Equity (50%) Initial AllocationNew Allocation

26. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 26 Tailor Made Plan – Fund Option Fund Name Investment ObjectiveAsset Category Asset Allocation Range (%) Target (%) Money Market The capital value of all contributions (net of charges) and All interest additions. Money Market instruments 100 Gilt Returns that exceed the inflation rate, without taking any credit risk (sovereign risk only) and maintaining a low probability of negative return over short term. Central Government Securities 0 – 10080 Other government securities including securities With unconditional Central Government guarantee 0 – 4020 Money Market instruments 0 - 400 These are low risk - moderate return funds Low Risk Low to Moderate Risk

27. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 27 Tailor Made Plan – Fund Option Fund Name Investment ObjectiveAsset Category Asset Allocation Range (%) Target (%) Corporate Bond Returns that exceed the Inflation rate, while taking some credit risk (through investments in corporate debt instruments) and Maintaining a Moderate probability of Negative return over short term. Corporate bonds/ debentures and Other debt instruments 0 – 100100 Money Market instruments 0 - 400 This is a moderate risk - moderate return fund Low to Moderate Risk

28. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 28 Tailor Made Plan – Fund Option Fund Name Investment ObjectiveAsset Category Asset Allocation Range (%) Target (%) Equity High real rate of return in the Long term through high exposure to equity investments, while recognizing that there is Significant probability of negative returns in the short term. Equities0 – 100100 Money Market instruments 0 - 1000 This is a high risk – high return fund High Risk

29. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 29 Exchange Options  Customers can take benefit under existing plan and use it to purchase specified Unit Linked Plan from Reliance.  This option must be exercised at least 30 days before the receipt of benefit under the policy.  The Key Advantage - Reduced allocation charges in the first year.  The Two Options ­Exchange from Reliance Automatic Investment Plan into Reliance Money Guarantee Plan ­Exchange into Reliance Automatic Investment Plan from Reliance Money Guarantee Plan This option can be selected any time on completion of three policy years.

30. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 30 Other Benefits

31. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 31 Rider Benefit  Accidental Death & Accidental Total and Permanent Disablement benefit rider  Term Life Insurance Benefit rider Rider benefits are available only with regular and limited premium payment policies. For limited premium policies the rider benefits will be available During the premium paying term only.

32. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 32 Tax Benefit*  Premiums paid are eligible for tax deduction under section 80C of the Income Tax Act 1961  Withdrawals are eligible for tax benefit under Section 10(10D)  Death Benefit are tax free under Section 10(10D) * For details, please refer your tax consultant

33. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 33 Flexibility Available

34. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 34 Systematic Transfer Plan - Benefit from a volatile market A procedural shift from a low risk investment in to equities The initial amount is invested in the Gilt fund 25% of units transferred to equity fund every week for equivalent fund value In effect your average unit cost comes down

35. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 35 Systematic Transfer Plan – How you can benefit from it Investment ValueUnit PriceNo. of units 12,500101250.0 12,500111136.4 12,500101250.0 12,50091388.9 50,0005025.3 Average Unit Cost Average Sale Price 9.9 10.0 Although the average sale price is Rs 10 {(10+11+10+9) =40/4} = 10. The average cost per units is Rs 9.9 {(50000/5025.3) = 9.9}. STP helps buy more units when the price is low and fewer units when the price is high and hence your average cost per unit Rs 9.9 remains below the average sale price of Rs 10. The premium is allocated towards equity funds in 4 installments (once every week) This helps you to take advantage from rupee-cost averaging Consider the following table - If STP option is not selected the total units would have been 5000 units. Fund Value If STP option is selected = (5025.3*9)= Rs 45227.3. Fund Value If STP option is not selected = (5000*9)= Rs 45000

36. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 36 Top-up Payments  Helps the customer to increase the investments  Top-ups allowed only if all the premiums till date are paid  Maximum top-up allowed is 25% of the total regular premiums paid till date (i.e. sum of all top-ups paid cannot exceed 25% of total regular premiums paid till date)  For example: ­If regular annual premium is Rs. 10000, and one top-up of Rs. 4000 is made in the 2 nd policy year; ­Then in the fourth policy year, maximum top-up allowed is 25% of Rs. 40000 (total of regular premium paid for 4 years) less Rs. 4000 (earlier top-up made) ­Thus maximum top-up allowed in this case would be Rs. 6000 ­Minimum top amount allowed is Rs.2500

37. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 37 Easy Liquidity – money when you need it the most You can make partial withdrawal from your basic plan after 3 years and without any charges from 6 th year onwards You can also make partial or full surrender from your top-up account without any charges after three years from the payment of such top-ups Better alternative than banks FDs which are taxable All partial withdrawals are tax free

38. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 38 Withdrawals  Are not allowed until the life assured completes 18 years of age.  Partial Withdrawals ­Are allowed anytime after 3 years ­Policy continues to remain in force ­Withdrawal charges are equal to surrender charges ­Sum Assured will be reduced to the extent of partial withdrawals made in the past 24 months  Total Withdrawals i.e. Surrender ­Allowed anytime after 3 years ­Policy ceases after surrender

39. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 39 Switching Option  Available between ­Tailor Made Plan option & the Ready Made Plan option ­The funds under Tailor-made Plan option  When switching from Tailor Made Plan to Ready Made Plan, the fund option will depend on the age last birthday and the corresponding age band.  When switching from Ready Made Plan to Tailor Made Plan, the policyholder, can decide his own fund mix.  52 switches in any policy year are free.  Any additional switch will be charged Rs. 100 per switch.

40. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 40 Settlement Options  Maturity proceeds can be withdrawn in periodic installments within 5 years  No Life Cover Benefit will be available during this period.  Fund C will apply by default during the settlement period.

41. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 41 Premium Redirection  Available only for Tailor-made plan  A written instruction to redirect all future premiums in an alternative proportion to the various unit funds.  Redirection will not affect the allocation of premium(s) paid prior to the request.

42. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 42 Charge Structure

43. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 43 Allocation charges Allocation charge Premium grid (Rs. 000) Reliance Auto Invest Plan (5 years) Reliance Auto Invest Plan (greater than 5 years) Year 1 10 to 259.25%25% 25 to 508.50%22.5% 50 to 1507.75%20% 150 to 15007.00%17.5% 1500 to 25006.25%15% 2500 & above4.75%10% Year 25% Year 35% Year 4 +5% Top-up2%

44. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 44 Fund Management Charge Ready Made Plan Fund NameAnnual Rate Fund A1.45% p.a. Fund B1.38% p.a. Fund C1.30% p.a. Tailor Made Plan Fund NameAnnual Rate Money Market1.25% p.a. Gilt1.25% p.a. Corporate Bond1.25% p.a. Equity1.50% p.a.

45. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 45 Surrender & Partial Withdrawal Charges  Apply on Fund Value at the time of surrender or partial withdrawal  No charges on surrender or partial withdrawal under top-ups and under single premium policies. Year of Surrender Surrender Charge/Partial Withdrawal Charge as a percentage of Fund Value of basic policy /Fund Value withdrawn on partial withdrawal 1 - 3 Surrender Value/ partial withdrawal value not available 45% 53% 6 & above Nil

46. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 46 Other Charges Under The Policy  Policy Administration Charge: ­Rs. 40 per month per policy.  Mortality Charge : ­Based on the applicable mortality table ­Charged on the difference of fund value and sum assured (sum at risk) ­Charged on monthly basis, by cancellation of units  Miscellaneous Charge: ­Rs. 2 per 1000 sum assured will be collected on inception of the policy.  Switching Charge: ­Rs.100 for every switch after the 52 free switches  Charge for Systematic Transfer Plan (STP) Option: ­No charge, when the facility is requested for the first time. ­Subsequent requests charged at Rs. 100 ­No charge for cancellation of STP

47. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 47 Other Charges Under The Policy  Premium for Rider Benefits ­Will be collected over and above the premium under Base Plan.  Service Tax Charge ­Applicable on mortality charges and the rider premium. ­Currently the service tax is @ 12.24% ­Decided (and can be revised) by the Government of India ­Currently service tax is absorbed by RLIC ­In future, RLIC may decide to pass on the service tax to the customer

48. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 48 Automatic Investment Plan – Competitive Advantage Product FeatureReliance Automatic Investment Plan ICICI Pru Life Time Super Bajaj Allianz New Unit Gain HDFC SL UL Endowment/ Young Star Birla SunLife Flexi Save Plus SBI Life Horizon II The Reliance Automatic Investment Plan Advantage Life Stage based plan YesNo YesA plan that does all while you relax Free Switches52432420Highest number of free switches Switching Charges100 (from 53 rd switch) 100- NANominal switching charges, at par with competition Ready- made/Tailor-made plan option YesNo Only plan to offer investment fund options catering to risk averse and risk lovers Systematic Transfer Plan YesNo Only plan to offer STP option. Take advantage of rupee-cost averaging

49. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 49 Automatic Investment Plan – Competitive Advantage Product FeatureReliance Automatic Investment Plan ICICI Pru Life Time Super Bajaj Allianz New Unit Gain HDFC SL UL Endowment/ Young Star Birla SunLife Flexi Save Plus SBI Life Horizon II The Reliance Automatic Investment Plan Advantage Exchange OptionYesNo Only plan to offer Exchange with another UL Plan - RAIP Funds Offered746633 Maximum number of funds to choose from Top-upsYesNoYes Recognizes the strong consumer demand for top-ups Partial Withdrawals Yes Enables Liquidity. Withdrawals from top-ups are free Surrender ChargeTill 5 th yearTill 4 th yearTill 3 rd year Till 4 th yearEntire policy term Low exit charge

50. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 50 Automatic Investment Plan vis-à-vis Competition - Common Features FeatureReliance Automatic Investment Plan ICICI Pru Life Time Super Bajaj Allianz New Unit Gain HDFC SL UL Endowment/ Young Star Birla SunLife Flexi Save Plus SBI Life Horizon II LIC – Money Plus Premium Holiday Available Not Available Available RidersTerm Insurance ADT/PD ADDB; Critical Illness; Waiver of Premium; ADB, APT/PD; Critical Illness; Hospital Cash; Mahila Gain; Term; Critical Illness; Waiver of Premium; ADB; ADD; Critical Illness; Waiver of Premium; CI for women; Accident Benefit & Critical Illness Benefit Revival Period 3222252 Min Premium (Rs) 1000018,00010000 5000 FMC1.25% to 1.4% 0.75% - 2.25% 0.95% to 1.75% 0.8%1%0.25% to 1.5% 1% to 1.75% Top-up Charges 2%Not allowed2% 1%Not allowed Min/Max entry age 30 days/ 65 years 0/65 years0/60 years18/65 yrs30 days/60 yrs 0/60 years0/65 years

51. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 51 Allocation charges on Reliance Automatic Investment Plan Allocation charge Premium grid (Rs. 000) Reliance Automatic Investment Plan (5 years) Reliance Automatic Investment Plan * (greater than 5 years) ICICI Pru Life Time Super Bajaj Allianz New Unit Gain HDFC SL UL Endowment/ Young Star Birla SunLife Flexi Save Plus SBI Life Horizon II Year 1 10 to 259.25%25%20%71.5%30%29.9% to 65%15% 25 to 508.50%22.5%20%71.5%30%29.9% to 65%15% 50 to 1507.75%20%18%71.5%30%29.9% to 65%15% 150 to 15007.00%17.5%18%71.5%30% to 10%29.9% to 65%15% 1500 to 25006.25%15%18%71.5%5%29.9% to 65%15% 2500 & above4.75%10%18%71.5%5%29.9% to 65%15% Year 25% 7.5%7%same as year 15% to 7.5%10% Year 35% 4%6%1%5% to 7.5%10% Year 4 +5% 4%5%1%5% Top-up2% Not allowed5%2.5% yr 1& 2, 1% thereafter 2%1% Cost Competitive but Customer Value more relevant than just cost *For Term > 5

52. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 52 Allocation Charges  Reliance Life offers a discounted allocation charge for higher premium slabs  Reliance Automatic Investment Plan allocation charges are lower than ICICI Prudential & Birla SunLife. Reliance Automatic Investment is better than HDFC for lower premium slabs.  SBI Life charges lower but charges apply for a longer duration which make Reliance Automatic Investment Plan cheaper in comparison Fund Management Charges (FMC)  Reliance Automatic Investment Plan is cheaper than ICICI Prudential & Bajaj Allianz on FMC  Comparable with SBI Life  Reliance Automatic Investment Plan – 1.25% to 1.5%  ICICI Prudential – 0.75% to 2.25%  HDFC Standard Life – 0.8%  SBI Life – 0.25% to 1.5%  Bajaj Allianz – 0.95% to 1.75%  Birla SunLife – 1%

53. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 53 Reliance Automatic Investment Plan Value Equation FeatureReliance Automatic Investment Plan Reliance Life - MRP ICICI Pru Invest Shield Life Birla Sun Life Flexi Save Plus HDFC Youngstar Bajaj Allianz – Unit Gain Premium25000 Sum Assured125,000 Term10 Maturity value @ 10%362670362581357245345823365068335242 IRR6.67%6.66%6.40%5.47%6.78%5.28% Allocation Charge as % of Premium paid 7%6.5%7.4%11.5%6.8%12% NPV charges139171273815737244321513225539 Assumption: The above illustration if for an individual aged 30, term 10 years. On IRR/NPV combined basis Reliance Automatic Investment Plan offers more value to our customers Along with MRP, we have two of the strongest ULIP products in the market

54. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 54 Miscellaneous

55. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 55 By Default…  In case no plan option has been opted for, the plan option by default will be Ready Made Plan option.  If Tailor-made Plan is selected and no fund has been opted for, the allocated premiums shall by default be invested in the Gilt Fund Option.

56. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 56 Summary Snapshot

57. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 57 Reliance Automatic Investment Plan – At a Glance Key Benefits Automatic Asset AllocationAsset Allocation according to your risk at a particular age Systematic Transfer Plan Helps to average out the cost of units Exchange OptionOption to move between in and out of specific Reliance Life ULIP Other Benefits Fund optionsChoice of 7 carefully designed funds RidersAccident Death & Disability and Term Riders Tax BenefitUnder section 80C and 10(10D) Unmatched Flexibility Top UpsCan be used to increase the investment component in the policy Partial WithdrawalsProvides liquidity in case of need Switching OptionsFlexibility to switch between funds Premium RedirectionTo change fund configuration for future premiums Settlement OptionsKeep the money invested and receive in installments Premium payment OptionsFlexibility to pay premiums in over different modes

58. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 58 When to Pitch Which Option  Explain to the prospect that both are attractive options  If prospect is knowledgeable about the market and has the ability and willingness to take informed decisions on choice of fund, switches, relative allocation to each fund then they can go for Tailor-made option.  In case the prospect is not knowledgeable, or would not like to devote time and effort to track the same, it can be left to the Fund Managers of RLI – i.e. he could opt for the Ready-made option where the fund mix is predetermined.

59. A Reliance Capital company Reliance Automatic Investment Plan For Internal Communication Only 59 Things to Remember…  Top-ups limited to 25% of the premiums paid to date, so it doesn’t impact the Sum Assured.  In case of Partial Withdrawals, one annual premium should be retained as balance in the policy.  Partial Withdrawals are allowed three years from inception.  The 52 switches are not weekly, they can be used as and when the policy holder wishes.  In case of the Limited Premium Option, the premium paying term can be chosen as 5 years or periods in multiples of 5.  The Exchange Option can be used only with reference to another specified ULIP plan.  In case of the STP option, if the market is closed on the 7th, 14th, 21st.or the 28th of the month, the investment in the equity fund is done on the next working day.  Returns are not guaranteed.

60. A Reliance Capital company Thank You!!