1. “ A unique facility to Save, Grow & Insure” Reliance SIP Insure

2. What Rs 1000 p.m can get you…. A dinner for your family Watching movie with your spouse Buy clothes for your kids Make you a Millionaire* & also get you free life insurance on your SIP installments *please refer slide 3 for more details

3. What does it take to create wealth… This is just an illustration, explaining the power of compounding concept and should not be assumed as a promise, guarantee or forecast on minimum returns and safeguard of capital. SIP does not assure a profit or guarantee protection against loss in a declining market. The calculation shows the outcome of investing a specified amount at a certain assumed rate of interest per annum. The table shows the SIP amount required to be invested per month for achieving the target amount in the specified time period. The hypothetical rate of return on the investments is assumed at 15% p.a. Investing Rs 1500 per month @ 15% p.a for 15 yrs makes you a Millionaire 14,800 36,000 1,15,000 2,20,000 100,00,000 7,400 18,000 56,000 1,10,000 50,00,000 3,700 9,000 28,000 55,000 25,00,000 1,500 3,600 11,200 22,000 10,00,000 750 1,800 6,000 11,000 5,00,000 15 10 5 3 Value /Yrs

4. Most likely reasons to invest….. Everyone has one or more of the above reasons to invest for! Child’s Education Child’s Marriage Housing Retirement Safety

6. Insure your financial goals….. Before we know more about this product….let us understand the investment climate around us!

7. Value of Money over time Inflation @ 5% p.a Inflation – A Devil, we need to beat it!

8. Where do people save their money? Source: Invest India Incomes and Savings Survey 2007** Mutual Fund as an Asset Class has a very low penetration

9. Its not the timing but the time in the market which matters Long Term Investing – Case Studies Invest Systematically…..

10. Invest Long term… Money grows over a period of time… Rs 1000 invested at 8%p.a every month for… … just like a rolling snowball gathers snow & grows. This is an hypothetical illustration to explain the concept of “Power of Compounding”. Past Performance may or may not be sustained in future.

12. & Don’t Time the Market… Rs 10,000 invested every year for a period of 12 years in RGF from Jan 96 to June 08 Past Performance may or may not be sustained in future. *Returns as on 30 th June 08 34.75% 38.31% 33.01% Reliance Growth Fund-Retail Plan- Growth Plan – Growth Option* (RGF) 16.48% 20.33% 13.32% BSE 100 15.30% 18.99% 12.64% BSE Sensex Investor buys at constant interval Investor buys at Market Lows Investor buys at Market Peaks Scenarios

13. Past Performance of SIP in Reliance Growth Fund RGF BSE 100 Inception Date: 8th Oct 1995. Returns are of Retail Plan- Growth Plan – Growth option as on 30th June 08 Past Performance may or may not be sustained in future. The above table shows the historical SIP performance of Reliance Growth Fund (Retail Plan – Growth Plan – Growth option) vis its benchmark BSE 100. For example; A person who had made an SIP of Rs 10,000 p.m in the above fund since inception on 8 th Oct 1995 would have invested Rs 15.30 lacs by 30 th June 08 and have earned a total amount of Rs 1.81 crs (As per the highlighted cell) 7,333,400 5,109,868 1,481,010 600,847 27,174,818 14,170,601 2,029,572 651,153 15,000 4,888,933 3,406,579 987,340 400,565 18,116,545 9,447,067 1,353,048 434,102 10,000 2,444,467 1,703,289 493,670 200,282 9,058,273 4,723,534 676,524 217,051 5,000 1,466,680 1,021,974 296,202 120,169 5,434,964 2,834,120 405,914 130,230 3,000 488,893 340,658 98,734 40,056 1,811,655 944,707 135,304 43,410 1,000 Since Inception 10 5 3 SIP Installment /Yrs

15. Systematic Investment Plan (SIP) & its benefits Inculcates savings habit Eliminates need for timing markets Helps averaging cost of investment Protects against market volatility Improves probability of better returns SIP is a long term investment technique under which you invest a fixed sum of money on a monthly or quarterly basis in a mutual fund scheme at the prevailing NAV. This allows you to save and invest regularly while you are earning.

16. Are you looking at investing for the long term?? Do you want a free life insurance cover?? Do you want an investment technique which can make you invest regularly?? Do you want your planned investments to be completed after your unforeseen death?? then Choose Reliance SIP Insure Here comes the most sought after product……..

17. “ A unique facility to Save, Grow & Insure ”

18. Investor Benefits- “Save, Grow & Insure” Inculcates savings habit Free Life Insurance Cover- Enjoy Insurance on SIPs Eliminates need for timing markets Helps averaging cost of investment Ensuring that the planned investments are completed Market Linked NAV based maturity proceeds Why Reliance SIP Insure ?

19. An add-on feature of life insurance cover under a Group Term Insurance provided to individual investors with a view to encourage individual investors to save and invest regularly through Systematic Investment Plan (SIP) and help them achieve their financial objective without any extra cost. Objective: In the unfortunate event of the demise of an investor during the tenure of the SIP, the insurance cover will take care of the unpaid installments. Thus, the nominee* would be able to continue in the scheme without having to make any further contribution. Investor’s long term financial planning and objective of investing through SIP could still be fulfilled as per the targeted time horizon, even if he/she dies prematurely. Reliance SIP Insure- What is it? *Nominee account would mean nominee in case of single holding & second or joint holder in case of Joint Holding

24. This amount will be paid by life insurance company to SIP investor’s nominee account * with Reliance Mutual Fund and will be invested in Reliance Growth Fund (in the same scheme in which the deceased has earlier invested) Reliance SIP Insure– How does this work? An investor does a monthly SIP of Rs. 5,000 for 5 years in Reliance Growth Fund If he dies after a period of 3 yrs, then his Sum Assured = Number of SIP Instalments enrolled for X Amount of Instalment X 2 = 60 X 5,000 X 2 = Rs 3 lacs X 2 = Rs 6,00,000 *Nominee account would mean nominee in case of single holding & second or joint holder in case of Joint Holding

25. Reliance SIP Insure – Product Features One can aim to have a target insurance cover from 3 rd year onwards as per one’s requirement by referring to the matrix attached below Cells in yellow would not be applicable under Minimum SIP amount category under Reliance SIP Insure Facility The table shows the SIP amount per month to be invested for the required combination of Eligible Insurance Cover & Tenure. For example, to have a maximum cover of Rs 10 lacs from third year onwards (from commencement of the insurance cover) in Reliance SIP Insure Facility, one can invest Rs 2800 p.m for a period of 15 yrs as per the cell highlighted in pink. 280 425 850 1,400 100,000 560 850 1,700 2,800 200,000 850 1,250 2,500 4,200 300,000 1,150 1,700 3,350 5,600 400,000 1,400 2,100 4,200 7,000 500,000 1,700 2,500 5,000 8,350 600,000 1,950 2,950 5,850 9,750 700,000 2,250 3,350 6,700 11,150 800,000 2,500 3,750 7,500 12,500 900,000 2,800 4,500 8,350 13,900 1,000,000 15 10 5 3 Life Insurance Cover/Yrs

32. Sponsor: Reliance Capital Limited Trustee: Reliance Capital Trustee Co. Limited. Investment Manager: Reliance Capital Asset Management Limited. Statutory Details: The Sponsor, the Trustee and the Investment Manager are incorporated under the Companies Act 1956. Risk Factors: Reliance Growth Fund (Open-ended Equity Growth Scheme): The primary investment objective of the scheme is to achieve long term growth of capital by investing in equity and equity related securities through a research based investment approach. Reliance Vision Fund (Open-ended Equity Growth Scheme): The primary investment objective of the scheme is to achieve long-term growth of capital by investment in equity and equity related securities through a research based investment approach. Reliance Equity Opportunities Fund (Open-ended Diversified Equity Scheme): The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio constituted of equity securities & equity related securities and the secondary objective is to generate consistent returns by investing in debt and money market securities. Reliance Equity Fund (An open-ended Diversified Equity Scheme): The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio constituted of equity & equity related securities of top 100 companies by market capitalization & of companies which are available in the derivatives segment from time to time and the secondary objective is to generate consistent returns by investing in debt and money market securities. Reliance Equity Advantage Fund (Open ended Diversified Equity Scheme): The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio predominately of equity & equity related instruments with investments generally in S & P CNX Nifty stocks and the secondary objective is to generate consistent returns by investing in debt and money market securities. Reliance Regular Savings Fund (An open ended Scheme) Equity Option: The primary investment objective of this Option is to seek capital appreciation and/or to generate consistent returns by actively investing in equity / equity related securities. Balanced Option: The primary investment objective of this Option is to generate consistent return by investing a major portion in debt & money market securities & a small portion in equity & equity related instruments. Reliance Pharma Fund (Open-ended Pharma Sector Scheme): The primary investment objective of the scheme is to seek to generate continuous returns by investing in equity and equity related or fixed income securities of Pharma and other associated companies. Reliance Diversified Power Sector Fund (Open-ended Power Sector Scheme): The primary investment objective of the scheme is to seek to generate continuous returns by actively investing in equity and equity related or fixed income securities of Power and other associated companies. Reliance Media & Entertainment Fund (Open-ended Media & Entertainment Sector Scheme): The primary investment objective of the scheme is to generate continuous returns by investing in equity and equity related or fixed income securities of Media & Entertainment and other associated companies. Reliance Banking Fund (Open-ended Banking Sector Scheme): The primary investment objective of the scheme is to generate continuous returns by actively investing in equity and equity related or fixed income securities of Banks. Reliance Natural Resources Fund (An Open Ended Equity Scheme): The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in companies principally engaged in the discovery, development, production, or distribution of natural resources and the secondary objective is to generate consistent returns by investing in debt and money market securities. Reliance Tax Saver (ELSS) Fund (Open-ended Equity Linked Savings Scheme): The primary objective of the scheme is to generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments. Reliance Quant Plus Fund (An open - ended equity scheme): The investment objective of the Scheme is to generate capital appreciation through investment in equity and equity related instruments. The Scheme will seek to generate capital appreciation by investing in an active portfolio of stocks selected from S & P CNX Nifty on the basis of a mathematical mode. Mutual Funds and securities investments are subject to market risks and there is no assurance and no guarantee that the Schemes objectives will be achieved. As with investments in any securities, the NAVs of the units issued under the Scheme can go up or down depending on the factors and forces affecting the securities market. Past performance of the Sponsor/AMC/Mutual Fund is not indicative of future performance of the Scheme. Reliance Growth Fund, Reliance Vision Fund, Reliance Equity Opportunities Fund, Reliance Equity Fund, Reliance Equity Advantage Fund, Reliance Regular Savings Fund, Reliance Banking Fund, Reliance Pharma Fund, Reliance Media & Entertainment Fund, Reliance Diversified Power Sector Fund, Reliance Natural Resources Fund, Reliance Tax Saver (ELSS) Fund and Reliance Quant Plus Fund are only the names of the scheme and do not in any manner indicate either the quality of the Scheme, its future prospects or returns. The Sponsor is not responsible or liable for any loss resulting from the operation of the Schemes beyond their initial contribution of Rs.1 lac towards the setting up of the Mutual Fund and such other accretions and additions to the corpus. The NAV of the Schemes may be affected, interalia, by changes in the market conditions, interest rates, trading volumes, settlement periods and transfer procedures. The Mutual Fund is not guaranteeing or assuring any dividends/ bonus. The Mutual Fund is also not assuring that it will make periodical dividend/ bonus distributions, though it has every intention of doing so. All dividend/ bonus distributions are subject to the availability of distributable surplus in the respective Scheme. For details of scheme features and scheme specific risk factors please refer to the scheme Offer Documents / Scheme Information Documents. Offer Document/Scheme Information Document and KIM cum application form is available at all the DISCs/ Distributors of RMF/www.reliancemutual.com. Please read the offer document(s) /Scheme Information Document(s) of the respective schemes carefully before investing.

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