Happiness is when all your future goals are assured.

Happiness is when all your future goals are assured. Exide Life My Assured Plan Choice of 3 variants to receive Guaranteed payouts Guaranteed inal Benefit on completion of policy term Tax savings as per prevailing tax laws exidelife.in

Exide Life My Assured Plan A non-linked non-participating Life Insurance Plan Your family is your responsibility and you want to provide e be to em; be it your child s education, family vacation or buying a new vehicle. To fulfil ese dreams, you should be financially prepared. Wi rising co of living, it becomes important to have an additional ream of income to fulfil ese cherished goals. At Exide Life Insurance, we underand your financial needs and have designed a unique plan at will help you prepare for emwheer it is to provide financial security to your family when you are not around or provide financial support to you to meet your dreams and goals. Presenting Exide Life My Assured Plan Exide Life My Assured Plan is a unique life insurance cum savings plan at gives you a choice to receive guaranteed income payouts at defined time intervals at be suit your needs. Along wi is, e plan offers life insurance coverage to keep your family s financial future protected at all times. Key Reasons to buy Ÿ Choice of 3 variants to receive Guaranteed payouts Ÿ Guaranteed inal Benefit on completion of policy term Ÿ Limited Premium Payment Ÿ Enhanced protection rough optional riders Benefits in detail A. Guaranteed Exide Life My Assured Plan provides you guaranteed monly or annual payouts which can supplement your income, for e same number of years as you would pay premiums. You may opt for one of e ree variants of Guaranteed at suit your need depending on wheer you need e income to begin immediately after premium payment term or later and/or wheer you need a uniform or an increasing income. Guaranteed is expressed as a multiple of annualized premium and e multiple depends on e variant chosen by you. You mu choose your variant at e outset and your choice cannot be revised later. Variant 1 Uniform Benefit: On survival during e income payout term, provided all due premiums are paid, you will receive Annual Guaranteed / Monly Guaranteed as provided in e table below: Annual Monly Premium Payment Year from e End of year) Benefit for Annual Payout (As a fixed Mon from e End of mon) Benefit for Monly Payout (As a fixed 6 101% 61 8% 7 101% 73 8% 10 years 16 years 8 years 8 101% 85 8% 9 101% 97 8% 10 101% 109 8% 9 125% 97 10% 10 125% 109 10% 11 125% 121 10% 12 125% 133 10% 13 125% 145 10% 14 125% 157 10% 15 125% 169 10% 16 125% 181 10% La inallment of e Annual Guaranteed / Monly Guaranteed in is variant will be paid at maturity along wi Guaranteed inal Benefit.

How does Variant 1- Uniform Benefit work: Mr. Rahul, aged 3 wants to save a portion of his income to get guaranteed returns. He chooses to inve an amount of `1,00,000 p.a. in Exide Life My Assured Plan for wi a policy term of 10 years and opts for Variant 1- Uniform Benefit. Basic Sum Assured is `6,43,646 and he gets a Life Cover of 10 times Annualized premium i.e. 10 lakhs for 10 years. Let s look at e benefits offered to him under is plan. Life Cover of 10 lakhs for 10 years Pays a premium of `1,00,000 annually for Receives an income of `1,01,000* annually for The arts at e end of 6 year Guaranteed inal Benefit Paid at e end of 10 year `1,38,646* *Annual is 101% of One Annualized Premium i.e. `1,01,000. **Guaranteed inal Benefit is Basic Sum Assured (6,43,646) Guaranteed Benefit (1,01,000*5) i.e. `1,38,646. Variant 2 Enhanced Benefit: On survival during e income payout term, provided all due premiums are paid; you will receive Annual Guaranteed / Monly Guaranteed as provided in e table below: Annual Monly Premium Payment Year from e End of year) Benefit for Annual Payout (As a fixed Mon from e End of mon) Benefit for Monly Payout (As a fixed 11 125% 121 10% 10 years 16 years 8 years 12 125% 133 10% 13 125% 145 10% 14 125% 157 10% 15 125% 169 10% 17 175% 193 14% 18 175% 205 14% 19 175% 217 14% 20 175% 229 14% 21 175% 241 14% nd 22 175% 253 14% 23 175% 265 14% 24 175% 277 14%

How does Variant 2-Enhanced Benefit Variant work : Mr. Sachin, aged 3 wants to save a portion of his income to get guaranteed returns. He chooses to inve an amount of `1,00,000 p.a. in Exide Life My Assured Plan for wi a policy term of 10 years and opts for Variant 2- Enhanced Benefit. Basic Sum Assured is `7,97,035 and he gets a Life Cover of 10 times Annualized premium i.e. 10 lakhs for 10 years. Let s look at e benefits offered to him under is plan. Life Cover of 10 lakhs for 10 years Pays a premium of `1,00,000 annually for Guaranteed inal Benefit Paid at e end of 10 year `1,76,336* Receives an income of `1,28,125* annually for The arts at e end of 11 year *Annual before discount is 125% of One Annualized Premium i.e. `1,25,000. After applying High Sum Assured discount of 2.5% as applicable for e given Sum Assured e Increased Annual is `1,28,125. **Guaranteed inal Benefit is Increased Basic Sum Assured of `8,16,961 (7,97,035*1.025) Guaranteed Benefit (1,28,125 * 5) i.e. `1,76,336. Variant 3 Increasing Benefit: On survival during e income payout term, provided all due premiums are paid, you will receive Annual Guaranteed / Monly Guaranteed as provided in e table below: Annual Monly Premium Payment Year from e End of year) Benefit for Annual Payout (As a fixed Mon from e End of mon) Benefit for Monly Payout (As a fixed 10 years 11 100% 121 8% 12 110% 133 8.8% 13 120% 145 9.6% 14 130% 157 10.4% 15 140% 169 11.2% 17 100% 193 8% 18 120% 205 9.6% 19 140% 217 11.2% 16 years 8 years 20 160% 229 12.8% 21 180% 241 14.4% nd 22 200% 253 16% 23 220% 265 17.6% 24 240% 277 19.2%

How does Variant 3-Increasing Benefit Variant work : Mr. Saurav, aged 3 wants to save a portion of his income to get guaranteed returns. He chooses to inve an amount of `1,00,000 p.a. in Exide Life My Assured Plan for wi a policy term of 10 years and opts for Variant 3- Increasing Benefit. Basic Sum Assured is `7,98,499 and he gets a Life Cover of 10 times Annualized premium i.e. 10 lakhs for 10 years. Let s look at e benefits offered to him under is plan. Life Cover of 10 lakhs for 10 years Pays a premium of `1,00,000 annually for Guaranteed inal Benefit Paid at e end of 10 year `2,02,965** 1,02,250 1,12,475 1,22,700 1,32,925 1,43,150 Receives annual income* annual increasing by 10% p.a. *Annual is 100%,110%,120%,130%,140% of One Annualized Premium, respectively plus High Sum Assured discount of 2.25% i.e. `1,02,250 ; `1,12,475; `1,22,700; `1,32,925 and `1,43,150; respectively. **Guaranteed inal Benefit is Basic Sum Assured (7,98,499) plus High Sum Assured discount of 2.25% i.e. 8,16,465 Guaranteed Benefit (`1,02,250 ; `1,12,475; `1,22,700; `1,32,925 and `1,43,150;) i.e. `2,02,965. In case of settlement of dea claim before or after commencement of Guaranteed, e policy will get terminated wiout payment of any furer Guaranteed payable. On dea of Life Assured after e end of e, e Guaranteed will continue to be paid to e nominee. The policyholder will have an option, by submitting a written reque to us, to receive e Guaranteed as a single amount (lump sum) inead of receiving e Guaranteed over e Payout. Upon payment of e lump sum, e policy will terminate. The lump sum shall be calculated using a discount rate of 8.2% p.a. B. Guaranteed inal Benefit The Guaranteed inal Benefit is a lump sum amount at is paid at e end of e policy term, subject to e remaining in force and effect. This benefit received by you shall vary by your age, by e Guaranteed Variant at you have chosen and by e Premium Payment opted. Guaranteed inal Benefit = Basic Sum Assured Sum of all Guaranteed benefit payable to e policyholder. C. Dea Benefit Exide Life My Assured Plan ensures at your family is financially protected in your absence by paying em Sum Assured on Dea defined as higher of: X times e annualized premiums*; or 105% of e total Premiums paid till e date of dea; or Minimum Guaranteed Sum Assured on Maturity; or Absolute Amount to be paid on dea * The multiple of X times is defined as follows: X = 10 Where age at entry is less an 4 X = 7 or 10 as opted by holder Where age at entry is 4 or more Annualized Premium shall be e premium payable in a year chosen by e policyholder, excluding underwriting extra premiums and loadings for modal premiums, if any. Minimum Guaranteed Sum Assured on Maturity / Absolute amount paid on Dea means e outanding Basic Sum Assured on Survival after deduction of Guaranteed benefit paid, if any, and deduction of Guaranteed inal Benefit paid, if any.

D. Comprehensive Protection rough optional riders This plan gives an option to increase your protection level by adding following riders during e policy term by paying small amount of extra premium. Exide Life Critical Illness (4) Regular Pay (UIN: 114B009V02) Exide Life Critical Illness (25) Regular Pay (UIN: 114B009V02) Exide Life Rider (UIN:114B007V02) Furer details of all ese riders are available in brochures & s and Conditions of each rider. E. Tax Benefits holder buying is policy may be eligible for tax benefits under following Sections of e Tax Act, 1961, subject to provisions contained erein. # U/S 80C of e Tax Act 1961 on your premiums paid # U/S 10(10D) of e Tax Act 1961 on e benefits and lump sum proceeds of your policy If e Sum Assured on dea is less an 10 times e contractual base annualized premium, certain income tax benefits are not applicable and in particular, presently e benefits and lump sum proceeds are taxable if e Sum Assured on dea is less an 10 times, under Sec 10(10D) of Tax Act, 1961. # The aforesaid tax benefits are subject to change in tax laws and to e terms set out in e said Sections. We erefore urge you to carefully analyze in consultation wi your tax advisor e tax benefits/tax implications, if any at may arise on inveing in is policy. How Exide Life My Assured Plan works Choose e Guaranteed amount and income period at suits your needs Choose e Guaranteed Variant as per your need Step 1 Choose e premium payment frequency and Payout frequency Based on e parameters chosen above and your age at entry, your premium amount, Basic Sum Assured on Survival and Guaranteed inal Benefit will be determined The above mentioned parameters needs to be chosen at e outset and cannot be modified Step 2 You will art paying premiums as per e premium payment frequency for e premium payment term chosen Benefits Payable You will art receiving Guaranteed as per e Guaranteed Variant and premium payment term chosen by you. You will be paid e Guaranteed inal benefit at e end of e policy term. In case of dea of e life assured wiin policy term, e Sum Assured on dea will be paid as dea Benefit to e nominee.

Eligibility Criteria Premium Payment (Years) /8 years (Years) 5 PPT-10 years 8 PPT-16 years PPT Uniform Enhanced / Increasing Minimum Age at Entry (as on la biay) 13 years (14 years for Monly Payout) 8 years (9 years for Monly Payout) 8 years 10 years (11 years for Monly Payout) 2 years (3 years for Monly Payout) Maximum Age at Entry (as on la biay) Minimum Premium (`) PPT Age at Entry 60 years 8 years 54 years PPT Uniform 95,000 (Annual) 50,000 (Half-Yearly) 9,000 (Monly) Enhanced / Increasing 50,000 (Annual) 30,000 (Half-Yearly) 5,000 (Monly) 8 years 50,000 (Annual) 30,000 (Half-Yearly) 7,000 (Monly) 25,000 (Annual) 15,000 (Half-Yearly) 4,000 (Monly) Maximum Premium (`) Premium Payment Mode Payout Frequency No Limit (subject to Boa approved underwriting policy) # Annual, Half Yearly, Monly Annual, Monly #For monly premium payment mode, 3 monly premiums are collected in advance on e date of commencement of e policy. s and Conditions A. Grace Period: Grace Period is e time granted by e Company from e due date of e premium payment wiout levy of intere or penalty. During grace period, e policy is considered to be in force. Grace period is 15 days for monly premium payment mode and 30 days for all oer premium payment modes. B. Lapsation: If premiums due under e policy are not paid even wiin e Grace Period, e policy will Lapse and all benefits under e policy will cease until e policy is revived for full benefits, except as specified below: If at lea one full years premium has been paid and policy has lapsed, e company shall not forfeit e entire premium and will pay of e premiums paid at e end of e 10 year or earlier on dea before e end of e 10 year. If at lea two full years premiums have been paid, e policyholder will be eligible for Reduced Paid-up and Surrender provisions as specified below. C. Reduced Paid up: If at lea two full years premiums have been paid and furer premiums are unpaid and e policy is not surrendered, e policy will acquire e atus of reduced paid up on e date of expiry of grace period until e policy is revived for full benefits. The benefits payable for a policy acquiring reduced paid-up atus are reduced benefits and are as per e formula mentioned below: Reduced Paid-Up Dea Benefit Reduced Paid - Up Dea benefit = Number of premiums paid Total number of premiums payable X Sum Assured on Dea OR 105% of premiums paid, whichever is higher.

Reduced Paid-Up Guaranteed Reduced paid up Guaranteed will be paid as a percentage of e reduced paid up value factor as given below. Reduced Paid - Up Guaranteed = Number of premiums paid Total number of premiums payable X Guaranteed Reduced Paid-Up Guaranteed inal Benefit On survival of e life assured to e maturity and if e policy is not surrendered, following benefits are payable on policy maturity date. Reduced Paid - Up Guaranteed inal Benefit Benefit = Number of premiums paid Total number of premiums payable X Guaranteed inal Benefit D. Revival: can be revived wi full benefits during e policy term but wiin a period of two years from e date of fir unpaid premium. For revival, policyholder will have to submit e proof of continued insurability to e satisfaction of e boa approved underwriting policy. Also policyholder will have to make e payment of all due premiums togeer wi payment of late fees calculated at such intere rate as may be prevailing at e time of e payment. The current intere rate used for calculating e late fee is 8.25% per annum compounded semi-annually. If needed e company may refer it to its medical examiner in deciding on revival of lapsed policy. E. Surrender: In oer to honour unexpected commitments or needs, a Surrender option is available. This policy can be surrendered if at lea two full years premiums are paid. The surrender benefits are payable immediately on surrender. All benefits under e policy shall automatically terminate upon payment of surrender benefit. Guaranteed Surrender Value (GSV): If at lea two full years Premiums have been paid, e acquires a Guaranteed Surrender Value. The Surrender provisions apply only to e Base and not to any Riders. The Guaranteed Surrender Value will be defined as a percentage of Premiums paid. GSV factor multiplied by e total amount of Premiums paid excluding e Premium for extra mortality rating, if any, minus Guaranteed or Guaranteed inal benefit paid out, till e date of surrender. Guaranteed Surrender Value (GSV) payable is subject to minimum amount of zero. The GSV Factors increase wi e policy duration and are provided in e table below: PPT 5 Pay 8 Pay 5 Pay 8 Pay Year 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 0% 30% 30% 60% 80% 85% GSV Factor Variant 1 Variant 2 and 3 0.0% 30.0% 30.0% 60.0% 62.5% 65.0% 70.0% 72.5% 75.0% 80.0% 85.0% 85.0% 0% 30% 30% 60% 80% 85% 0.0% 30.0% 30.0% 60.0% 62.5% 65.0% 70.0% 72.5% 75.0% 80.0% 85.0% 85.0% Special Surrender Value (SSV): A policy will acquire a special surrender value, if at lea two full years premiums have been paid. SSV will be declared by Company from time to time. F. Loan: The policyholder can also avail loan under is policy provided e policy has acquired surrender value, if two full years premiums have been paid. The policyholder may obtain a loan on e sole security of e policy and on its proper assignment to e Company. The loan amount shall be up to 80% of e available surrender value of e policy, provided at e amount of loan is not less an Rs. 1,000. The current rate of intere on e loan is 8.25% p.a. compounded semi-annually. The same will be determined by company from time to time.

Any fresh loan wiin e permissible limits will be e difference between maximum permissible loan amount less any outanding loans including accumulated intere, if any. All outanding loan and intere ereon shall be deducted from any benefits payable under is policy. In case of policies not In-force or policies not fully paid, if at any point of time, e outanding loan along wi outanding accrued intere exceeds e surrender value payable under is policy, e company reserves e right to foreclose is policy. Loan facility will not be available to e policyholder during e payout term. G. For Minor Life Assured: If Age of e Life Assured is greater an or equal to 12 years, e life insurance cover under e will commence immediately from e date of commencement of e. If e Age of Life Assured is less an 12 years, e life nd insurance cover under e will commence i.e. full dea benefit will become payable from e la day of 2 policy year. If e is issued on e life of a minor, e will ve on him automatically on his attainment of Age of majority and on such veing; e Company will recognize him to be e holder of e. H. Free Look Period: The holder shall have a period of 15 days (30 days if e is sourced rough Diance Marketing* as provided in Diance Marketing Guidelines IRDA/ADMN/GDL/MISC/059/04/2011 dated 05/04/2011) from e date of receipt of e document to review e terms and conditions of is and if e holder disagrees wi any of e terms and conditions, he/she has e option to return e ating e reasons for e cancellation upon which e Company shall return e Premium paid subject to deduction of a proportionate risk Premium for e period of insurance cover in addition to e expenses incurred on medical examination (if any) and e amp duty charges. All Benefits and rights under is shall immediately and terminated on cancellation of e. *Diance Marketing includes solicitation t hrough all modes oer an in person. I. Suicide: If e Life Assured commits suicide for any reason, wheer sane or insane, wiin 12 mons from date of inception of e policy or wiin 12 mons from e date of revival of e policy, e company will not be liable to pay e benefits under e policy oer an what is specified below: Dea occurs wiin 12 mons from e date of inception of e policy: 80% of premium paid, provided e policy is in force. Dea occurs wiin 12 mons from e date of revival: Higher of 80% of e premiums paid till date of dea or e Surrender Value as available on e date of dea. J. Mode of Premium Payment: You may choose to pay your premiums annually, half-yearly or monly. Following factors are applied to premium for e premium paying modes available: Mode of Premium Multiplicative Factor Monly 1 Half Yearly 5.86 Annual 11.50 In case e premium payment mode change is sought from annual to monly mode, e annual premium shall be divided by Annual modal factor, at is 11.50, to calculate e monly premium payable from effective policy anniversary date. In case e premium payment mode change is sought from monly to annual mode, e monly premium shall be multiplied by Annual modal factor, at is 11.50, to calculate e Annual premium payable from effective policy anniversary date. In case e premium payment mode change is sought from annual to half-yearly mode, e annual premium shall be divided by Annual modal factor, at is 11.50, and en multiplied by Half-Yearly modal factor, at is 5.86, to calculate e half-yearly premium payable from effective policy anniversary date. In case e premium payment mode change is sought from half-yearly to annual mode, e half-yearly premium shall be divided by Half-Yearly modal factor, at is 5.86, and en multiplied by Annual Modal factor, at is 11.50, to calculate e annual premium payable from effective policy anniversary date. For Monly mode: 3 Monly premiums are collected in advance on e date of commencement of e policy. K. High Sum Assured Discount: Exide Life My Assured Plan awas you wi a sum assured discount if you pay higher premium amount. The policyholder shall be entitled to an increase in e basic sum assured on survival and he shall receive a higher Guaranteed and higher Guaranteed inal Benefit subject to e annualized premium remaining e same.

High Sum Assured Discount PPT 5 8 5 8 5 8 Basic Sum Assured on Survival /Variant Uniform Uniform Enhanced Enhanced Benefit Increasing Increasing Benefit till 7,49,999 750,000 to 9,99,99 2. 4. 2.25% 4. 1,000,000 to 14,99,999 0.75% 1. 3.00% 6.00% 3.00% 6.00% 1,500,000 to 24,99,999 1.25% 2.25% 3.75% 7. 3.75% 7. 2,500,000 and above 1. 3.00% 4. 8. 4. 8. L. Alterations: No alterations are allowed oer an e change in premium payment mode in is policy. M. Assignment Provisions: Assignment should be in accoance wi provisions of Section 38 of e Insurance Act 1938 as amended from time to time. N. Nomination Provisions: Nomination should be in accoance wi provisions of Section 39 of e Insurance Act 1938 as amended from time to time. O. Risk factors: A) Exide Life My Assured Plan is a Non-Linked, Non-Participating Life Insurance Product. B) Exide Life Insurance Company Limited is only e name of e Insurance Company and Exide Life My Assured Plan is only e name of e product and does not in any way indicate e quality of e product, its future prospect or returns. C) This product guarantees e Guaranteed, Guaranteed inal Benefit and Dea Benefit subject to all premiums being paid as and when due. D) The purpose of is brochure is to provide a general overview about is policy. The information herein is indicative of e terms, conditions and exceptions contained in e policy terms and conditions of Exide Life My Assured Plan. Please refer to e policy terms and conditions to underand in detail e associated risks, benefits, etc. E) In e event of any inconsiency / ambiguity between e terms contained herein and e policy terms and conditions, e policy terms and conditions will prevail. F) The acceptance of e proposal shall be subject to prevailing boa approved underwriting policy. Section 41: Prohibition of Rebate: Under e provisions of Section 41 of e Insurance Act, 1938 as amended from time to time (1) No person shall allow or offer to allow, eier directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of e whole or part of e commission payable or any rebate of e premium shown on e policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accoance wi e published prospectuses or tables of e insurer: (2) Any person making default in complying wi e provisions of is section shall be punishable wi fine which may extend to ten lakh rupees. Fraud, Misrepresentation and forfeiture: Fraud, Misrepresentation and forfeiture would be dealt wi in accoance wi provisions of Sec 45 of e Insurance Act 1938 as amended from time to time.

About Exide Life Insurance Company Limited (As on 31 March 2018) Exide Life Insurance Company Limited, an eablished and profitable life insurance company, commenced operations in 2001-02 and is head quartered in Bengaluru. The company is 100% owned by Exide Induries Limited. The company serves over 15 lakh cuomers and manages assets of over INR 12,500 Crores. During e financial year 2017-18, e company achieved Total Premium of over INR 2,500 crores and delivered INR 60 crores in Profits (PBT). Exide Life Insurance diributes its products rough multi-channels viz. Agency, Banc assurance, Corporate Agency & Broking, Direct Channel and Online. The Agency channel comprises of 45,000+ advisors who are attached to over 200 company offices across e country. The company also offers group life insurance solutions. The company is focused on providing long term protection and savings solution plans and has a rong traditional product portfolio wi a consient bonus track reco. The company has ISO 9001:2008 quality certification for all Cuomer Service processes and e ISO/IEC 27001:2013 for information security management. For more information, please visit our website exidelife.in. Our Shareholders About Exide Induries Limited - Exide is India s large manufacturer of electric orage batteries and its bigge power-orage solutions provider wi a market capitalization of over INR 20,000 crores*. Since its introduction in India more an a hundred years ago, Exide remains e foremo and e mo trued battery brand in India. The century old brand equity is backed by a robu nation-wide network of 48,000 plus outlets and 180 plus sales & service touch points (*As on 31 March 2018). Wi 7 world-class battery manufacturing factories across India, e range of products offered by e company covers everying from e smalle batteries required in motorcycles to e giant batteries powering submarines. After all, India moves on Exide. To know more about is product, please contact our neare Branch Office. Or call us at 1-800-419-8228 visit www.exidelife.in Exide Life My Assured Plan UIN: 114N105V01, is a Non- Linked, Non-Participating Life Insurance Product. Exide Life Rider UIN: 114B007V02, Exide Life Critical Illness Rider UIN: 114B009V02 are optional riders which provide add-on benefits and can be added at inception as well as on each policy anniversary. Tax benefits are subject to change in tax laws from time to time. Goods & Services Tax (GST) shall be levied as per prevailing tax laws which are subject to change from time to time. For more details on risk factors, terms & conditions, please read e sales brochure of e product carefully before concluding a sale. Exide Life Insurance Company Limited is a wholly owned subsidiary of Exide Induries Limited. The trademark Exide is owned by Exide Induries Limited and licensed to Exide Life Insurance vide Trademark license agreement dated 30 October 2014. Exide Life Insurance Company Limited. IRDAI Regiration number: 114, CIN: U66010KA2000PLC028273, Regiered Office: 3 Floor, JP Techno Park, No.3/1, Millers Road, Bengaluru - 560 001; Toll Free: 1800 419 8228; Visit: exidelife.in; ARN: EXL/2018-19/COLL/017 Beware of Spurious/ Fraud Phone Calls: IRDAI is not involved in activities like selling insurance policies, announcing bonus or invement of premiums. Public receiving such phone calls are requeed to lodge a police complaint.