Just so the Golden Years of your life, remain so.

E-mail: contactus@dhflpramerica.com Visit www.dhflpramerica.com to know more about us and our products. GA+/B-ENG/FEB/14/V3 Just so the Golden Years of your life, remain so. DHFL Pramerica Life Insurance Company Limited (erstwhile DLF Pramerica Life Insurance Co. Ltd), Registered Office and Communication Address: 4th Floor, Building No. 9B, Cyber City, DLF City Phase III, Gurgaon 122002. Haryana. CIN: U66000DL2007PLC165153 DHFL Pramerica

NOTE: IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. There s something addictive about being young. You re closes in on us with its own demands. Soon, life doesn t always on the go. Life is busy, beautiful and it s the most appear as beautiful - the fears, anxiety and a sense of productive phase of your life. It s that wonderful phase of insecurity take over. All because of a lack of planning during life when you have dreams and you work towards making our most important years. them real. You however can ensure your old age is also a beautiful However, sometimes this phase of life makes one phase of your life. And with a little help from us, you can short-sighted too, for, we forget to look beyond these do exactly that. wonder years. And before we realise it, old age quietly Presenting DHFL Pramerica Mr. Kumar s story Mr. Ramesh Kumar is a successful man enjoying a good career in sales at a large Indian corporate. He is happily married and has a daughter aged 3 years. A good five figure monthly salary helps him enjoy a good lifestyle with weekly eating out, a 10-day annual family holiday and good comforts of life. Mr. Kumar, 30 years, realises that with the passage of time his responsibilities and salary will only go up. He is an optimist, a confident man and sure of his future. In the recent past it has dawned on him that one day he will retire and will have no monthly salary to maintain even basic needs, leave alone a good lifestyle. Moreover, factoring an inflation of 5%, he realises that the purchasing power of the rupee would get significantly affected by the time he retires. His monthly expense of ` 20,000 would increase to a monthly expense of around ` 45,000 in the next 30 years. (In light of the fact that his post retirement expense would be 50% of the current expenses adjusted to inflation. And most of his liabilities would be over by retirement - his children settled and married and his home loan completely paid). With the desire to retire at the age of 60, Mr. Kumar took the intelligent decision of buying the DHFL Pramerica Golden Age+ Pension Plan. His annual premium is `36,000, which amounts to a monthly savings of ` 3,000, and his Policy term is 30 years. So by the age of 60, when Mr. Kumar retires, he would have accumulated savings of ` 2,324,706 factoring 6% returns and ` 4,804,996 factoring 10% returns. He is also likely to have accumulated additional corpus upwards of ` 20 lacs through other savings. The pension corpus along with other savings will help Mr. Kumar maintain an adequate standard of living in his post retirement years. And enjoy the golden years of his life when he has all the time to pursue his interests. One Plan. Many Advantages. How Does the Plan Work? Illustration Age at entry: 30 years Term: 30 years Premium Amount: ` 36,000 p.a. Premium Frequency: Annual To purchase an annuity from the fund value, or Receive a lump sum amount up to 1/3rd of the total fund value tax free, i.e. value of regular premium units and top-up units on the vesting (or maturity) date and Save to generate a regular income (annuity) post retirement Flexibility to choose your retirement age (45 years - 75 years) Persistency Units: To reward savings regularly towards your Policy, we will add up to 200% of regular premium at regular intervals Fund conservation at maturity: You have the option to safeguard your fund value before maturity; we will switch your investments at regular intervals to Pension Debt Fund beginning 3 years from your chosen retirement Receive tax-free commutation up to 1/3 rd of the fund value on retirement Avail tax benefits on premiums paid under Income Tax Act, 1961 as applicable from time to time Choose an amount that you wish to accumulate annually towards your retirement, subject to a minimum of `18,000 Choose a vesting age (or retirement age) between 45 years and 75 years, subject to a minimum term of 10 years. (Policy terms between 11 to 14 are not available) Top-up (add money over and above your regular premiums) any time during the Policy term On survival till the retirement age, the Policy proceeds may be applied to buy an annuity under the Immediate Annuity plan of the Company or from any other insurer of your choice You have an option to receive up to 1/3rd of the fund value tax-free, subject to prevailing tax laws, as a lump sum Gross Returns Accumulated Savings 6% p.a. ` 2,324,706 10% p.a. ` 4,804,996 The above illustration assumes 100% investments in Pension Balance Fund. The benefits above are net of all charges excluding applicable service tax. The actual investment return may vary in the Policy. Since your portfolio offers variable returns, the above illustration shows two different rates (6% p.a. and 10% p.a. as per guidelines of Life Council) and assumed future investment returns. Benefits in Detail Benefit on Vesting (or Maturity) On vesting (or maturity) of the Policy at the retirement age chosen, you have the option: apply the rest to an annuity Benefit on Death In case of the unfortunate event of death of the Life Insured, before the chosen retirement age, the nominee will receive the fund value, including value of top-up units, if any. Benefit on Surrender You can surrender your Policy after completion of 3 Policy years. However, the Policy will acquire surrender value after payment of full one-year premium. The surrender value will be the fund value less surrender charges on regular premium unit account subject to tax laws as applicable. There is no surrender charge applicable on the top-up unit account.

Choice of Investment Funds You have an option to choose from four funds to invest your money in. You review the investment objectives of each of our funds and match those with your investment goals and then decide the proportion of money you would Fund Name Debt Securities (Govt. Securities, Corporate Bonds etc.) Asset Allocation Equity Money Market Instruments/ Cash Pension 60% - 100% Nil 0% - 40% Debt Fund (SFIN: ULIF00127/08/08 FIXEDI FUND140) Pension 20% - 90% 10% - 40% 0% - 40% Balance Fund (SFIN: ULIF00227/08/08 BALANC FUND140) Pension 0% - 60% 40% - 80% 0% - 40% Growth Fund (SFIN: ULIF00327/08/08 GROWTH FUND140) Pension Nil 0% - 100% 0% - 100% Dynamic Equity Fund (SFIN: ULIF00427/08/08 LARCAP FUND140) Fund Conservation Option at Maturity Under this option, all your investments are systematically transferred to Pension Debt Fund in the last three years of your policy; on a half-yearly basis. The fund allocations Exposure in funds other than Pension Debt Fund at 3 years before vesting date 80% 70% 60% 50% 40% like to invest in each of them. If you are opting for more than one fund, the minimum investment in any fund should be at least 10% of the premium allocated. The fund and fund objectives are as follows: Investment Objective To generate steady returns at lower risk by investing in a range of debt securities To generate balanced returns by investing in debt securities to provide stability and by investing in equities to provide potentially enhanced returns through capital appreciation To generate higher returns through capital appreciation in the long term by investing in diversified equities. Debt investment will provide relatively more stability and diversification To generate higher returns through capital appreciation in long term from a diversified equity portfolio Risk Profile (as a percentage of units) in the last 3 years will look as follows: Last 6 half-yearly fund conservation details 6 5 4 3 2 1 The exposure in other funds is systematically diverted to Pension Debt Fund at the beginning of every half-year as follows: 67% 53% 40% 27% 13% 0% 58% 47% 35% 23% 12% 0% 50% 40% 30% 20% 10% 0% 42% 33% 25% 17% 8% 0% 33% 27% 20% 13% 7% 0% Low High Very High Very High Fund Allocation Percentage Explained below is the concept with the help of an illustration: Debt Fund Conservation Option at Maturity Equity 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 3.5 3 2.5 2 1.5 1 0.5 Years to Maturity A customer enters at the age of 30 years and plans to stay invested for a period of 30 years, i.e, his vesting age is 60 years. When he is 57 years of age, he enters into the last 3 years of the Policy. Here he has 70% in Pension Dynamic Equity Fund. This equity component is transferred in six half-yearly installments into Pension Debt Fund. Hence the Pension Dynamic Equity Fund allocation reduces from 70% to 58% by the middle of third year and so on till it falls to 0% and the allocation in Pension Debt Fund becomes 100% six months before maturity. All premiums received and persistency units allocated (if any) during this period will be re-directed to Pension Debt Fund. Switching and re-direction would be allowed during the last three policy years only if the policy holder opts out of this option. Persistency Units This is a reward for regularly saving towards your wealth creation goal! Up to 200% of your regular premium gets credited to your fund over the term of the Policy, provided your Policy is in force and all due premiums have been paid. Persistency Units will be allocated at regular intervals as per the table below (as a % of annual premium due in that year): Premium Band Duration (Years) (`) 10 15 20 25 18,000-49,999 50.0% 50.0% 50.0% 50.0% 50,000-1,99,999 35.0% 35.0% 35.0% 35.0% 2,00,000 onwards 30.0% 30.0% 30.0% 30.0% Flexibilities Available in the Plan Flexible Retirement Age You can start receiving your annuity payouts any time after you reach 45 years of age. However, you have an option of deferring this date till the age of 75 years. Top-up Premiums To boost your investments, you can pay additional premiums provided you have paid all your due regular premiums. These Top-up Premiums are then invested into the same funds as chosen for the regular premium. Top-up premiums will be allocated to a top-up unit account and the minimum top-up premium is ` 5,000. There is no restriction on maximum top-up premium. Switching Option You can switch your investments within funds, depending on your financial priorities and investment decision. In any year 4 switches are available free of cost. The minimum switch amount is ` 5,000 unless 100% of the fund is switched. Partial Withdrawals To manage any unexpected need for money or for any exigency, partial withdrawals can be made from your investment account after 5 Policy years. There is a three years lock in period for each top-up premium payment made except for the last three years. 1 partial withdrawal in a Policy year is available free of cost. Up to 5 partial withdrawals during the entire term of contract would be allowed. Any partial withdrawal will first be made from top-up unit account, if any and if eligible, followed by the regular premium unit account, if required, subject to tax laws as applicable. The minimum withdrawal

amount is ` 10,000. The fund value of each fund after withdrawal should not fall below a minimum value specified by the Company (75% of fund value just before withdrawal subject to a minimum value equal to one annual premium). Decrease your Premium After the completion of three policy years, you can reduce the premium provided you have paid all the premium/s due. The reduced premium cannot be lower than the minimum specified premium. Eligibility Age at Entry Policy Term : Minimum - 18 years and Maximum - 65 years : 10 years, 15-57 years (Policy Terms 11 to 14 are not available) Minimum Vesting Age : 45 years Maximum Vesting Age : 75 years Minimum Annual Premium : ` 18,000 for Annual Mode ` 24,000 for Semi-Annual, Quarterly and Monthly Mode List of Charges Applicable on the Policy Premium Allocation Charge This will be deducted from the premium amount at the time of premium payment before allocating the same Year Policy Administration Charge 1-3 INR 175 per month 4 onwards INR 70 per month Any increase in the Policy Administration Charge in a year shall be effective from 1st January. The rate of increase in any year will never exceed 5% pa. Any such increase shall take place after completion of one policy year. Fund Management Charges (FMC) 1.20% p.a. for Pension Debt Fund. 1.35% p.a. for Pension Balance Fund, Pension Growth and Pension Dynamic Equity Fund. FMC will be adjusted from the NAV of various funds. Surrender Charge In case of the discontinuance of premium in the first three years of the Policy contract and on surrender subsequently, the following surrender charge would be applicable: No. of completed years premiums received Surrender Charge (% of value of regular premium units) 0 100% 1 60% 2 30% In case of discontinuance of premium after paying at least three years consecutive premium and subsequent surrender, the following surrender charge would be applicable: Year in which contract surrendered Other Charges Surrender Charge (% of value of regular premium units) 4 th year 20% 5 th year 10% 6 th year onwards 0% 4 free switches are available every year. Subsequent switches will be charged at the rate of ` 250 per switch 2 free premium re-direction requests are available every year. Subsequent re-direction will be charged at the rate of ` 250 per re-direction 1 free partial withdrawal request is available every year. Subsequent partial withdrawals will be charged at the rate of ` 250 per withdrawal The Company may charge a miscellaneous fee of ` 100 for revival and other alteration request in the Policy Tax Benefits As per the current tax laws: Premiums qualify for deduction under Section 80C of the Income Tax Act 1961 One-third of the fund value is commutable tax-free; remaining amount will be taxable as income under salary for the respective assessment year The above tax qualifications are subject to Income Tax Laws prevailing from time to time. For any further clarification please consult your tax advisor Free Look Cancellation You have a period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy. If you do not agree to the terms and conditions, you have the option to return the Policy stating the reasons thereof within this period. On receipt of your letter along with the Policy documents, we will refund the fund value plus unallocated part of premium (if any) plus charges deducted from the policy by cancellation of units subject to the deduction of proportionate risk charges, if any for the period of cover expenses incurred by us on medical examination and stamp duty. to the unit account. Regular Premium Premium Payment and Discontinuation Premiums are payable for full Policy term. The premium Annual Mode Premium Band (`) Year 1 Year 2-5 Year 6 onwards 18,000-1,99,999 20% 2% 0% 2,00,000-4,99,999 15% 2% 0% 5,00,000 onwards 12% 2% 0% In case of non-annual modes the allocation charge is higher by 1% throughout the Policy term and all premium bands. Premium allocation charge for Top-up Premium: 1% Policy Administration Charge Policy administration charges will be deducted monthly modes available are annual, semi-annual, quarterly or monthly (allowed through direct debit and ECS only). Policyholders have a grace period of 30 days from the due date to pay premium. If no premium is paid during grace period then the following provisions will apply: a) Premium discontinuation before completion of three Policy years: The Policyholder can revive the Policy within revival period of two years from the date of the first unpaid premium by paying all unpaid regular premiums. by deduction of units from the unit account.

In case the Policy is not revived during the revival period, the Policy will terminate at the end of the revival period and the surrender value, if any, shall be paid at the end of the revival period or at the end of three Policy years since commencement, whichever is later. The Policy will continue during the revival period and charges will continue to be deducted from the unit account. On death of the Policyholder during this period, fund value will be paid to the beneficiary. b) Premium discontinuation after completion of three Policy years: After the first three Policy years, if the Company does not receive the regular premium due by the end of the grace period, the Policy will remain in force during revival period provided there are sufficient units in the regular premium unit account to support the charges. During the revival period, the Policyholder shall have Revision of Charges The Company may revise the following charges subject to prior approval from the Insurance Regulatory and Development Authority of India (IRDA): The fund management charge can be revised up to maximum of 1.35% p.a. Premium allocation and surrender charges are guaranteed Charges for switch, premium re-direction, partial withdrawal and miscellaneous charge may change subject to a maximum of Rs. 1000 Unit Price Calculation The Company shall calculate the unit price of the funds as per IRDA guidelines The appropriation basis will apply when a fund is expanding, i.e. there is net creation of units in the fund existing at the valuation date (before any units are redeemed) The unit price will be rounded to the nearest of ` 0.0001 and shall be published on the Company s website Unit Allocation and De-allocation Rules The first premium will be allocated the NAV of the date of the commencement of the Policy Renewal premium received up to 3.00 pm along with a local cheque or a demand draft payable at par at the place where the premium is received, the closing unit price of the day on which premium/switch request is received shall apply. If such premium and switch request is received after 3.00 pm, the closing unit price of the next business day shall apply In respect of renewal premium received with outstation cheque/demand draft at the place where the premium is received, the closing NAV of the day on which cheques/demand draft is realized shall apply In respect of a valid application received (for Switch, Surrender, Partial Surrender or maturity claim) up to 3.00 pm, the same day s closing unit price shall apply. If such application is received after 3.00 pm, the closing unit price of next business day shall apply All renewal premiums received in advance will be allocated units at NAV prevailing on their respective due date the option to: When appropriation basis applies, the net asset value (i) Pay all unpaid regular premiums of the fund is determined as market value of assets (ii) Continue the Policy held in the fund plus expenses incurred in the purchase of the assets plus the value of any current assets plus (iii) Terminate the Policy by taking the surrender value, any accrued income net off fund management charges if any less the value of any current liabilities less provision If option (ii) is selected then as and when the surrender value reaches an amount equal to one full year s premium, the contract shall terminate by paying the surrender value. This condition is applicable during revival period too c) After three years if the fund value of the regular unit account is not sufficient enough to pay the monthly charges deducted from the regular unit account even if all the premiums due have been paid, the policy will terminate and the surrender value of regular premium unit account and top-up units, if any, will be paid. and tax, if any. The unit price is determined by dividing the net asset value of the fund by the number of units existing at the valuation date (before any new units are created) The expropriation basis will apply when a fund is contracting, i.e. there is net cancellation of units in the fund When expropriation basis applies, the net asset value of the fund is determined as market value of assets held in the fund less the expenses incurred in the sale of the assets plus the value of any current assets plus any accrued income net off fund management charges less the value of any current liabilities less provision and tax, if any. The unit price is determined by dividing the net asset value of the fund by the number of units

Policy Loan No loan is available on the Policy under this plan. Service Tax As per the service tax rules, this tax is applicable on the unit linked insurance policies from 10/09/2004. Section 41 of the Insurance Act 1938: Prohibition of Rebate No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the Policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Section 45 of the Insurance Act 1938: Non-disclosure No Policy of life insurance is effected before the commencement of this Act shall after the expiry of two years from the date of commencement of this Act and no Policy of life insurance effected after the coming into force of this Act shall, after the expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that a statement made in the proposal for insurance or in any report of a medical officer, or referee, or friend of the insured, or in any other document leading to the issue of the Policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the Policyholder and that the Policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Risks of Investment in Unit-Linked Policy DHFL Pramerica Life Insurance Company is the name of the insurance company and "DHFL Pramerica Golden Age+ is only the name of the policy and does not in any way indicate the quality of the policy, its future prospects or returns. The premium paid in Unit Linked life insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his /her decisions Before purchasing the policy, please know the associated risks and the applicable charges from our Life Associate, intermediary or Policy document. Unit Linked insurance products are different from traditional insurance products and are subject to the risk factors The premiums and funds are subject to certain charges related to the fund or to the premium paid The various funds shown in the schedule are the names of the funds and do not in any manner indicate the quality of the funds, their future prospects or returns. We do not guarantee the Fund Value or value of Unit Price. There can be no assurance that the objectives of any of the funds will be achieved and none is given by us. The past performance of any fund of the Company is not necessarily indicative of the future performance of any of the fund/s. All premiums / benefits payable under the policy are subject to applicable laws and taxes including service tax, as they exist from time to time. This brochure gives the salient features for the product. Please refer to Policy document for further details of the terms and conditions. About us DHFL Pramerica Life Insurance Company Ltd. (DPLI) is a joint venture between Dewan Housing Finance Corporation Ltd. (DHFL), India s second largest private sector housing finance company and Prudential International Insurance Holdings, Ltd. (PIIH), a fully owned subsidiary of Prudential Financial, Inc. (PFI), a financial services leader headquartered in the U.S. DPLI represents the coming together of two renowned financial services organizations with a legacy of business excellence spread over decades. The life insurance joint venture agreement between the two partners was signed in July 2013. DHFL Pramerica Life Insurance, which was earlier known as DLF Pramerica Life Insurance started operations in India on September 01, 2008 and has a pan India presence through multiple distribution channels which have been customized to address the specific insurance needs of diverse customer segments. The Company is committed to providing protection and quality financial advice to its customers. For further information on the Company, please visit www.dhflpramerica.com. About DHFL DHFL was founded in 1984 by Late Shri Rajesh Kumar Wadhawan with a vision to provide financial access to the lower and middle income segments of the society. Today, led by Mr. Kapil Wadhawan, CMD, DHFL, the Company is one of India s leading mortgage finance institutions with presence in over 450 locations across the country, in addition to representative offices in Dubai and London. All through its years of growth, DHFL has stayed with its core vision of financial inclusion. The Company s wide network, coupled with insights into local customer needs has enabled the Company to provide meaningful financial access to customers even in India s smallest towns. With a strong business foundation, an extensive distribution network, proven industry expertise and a deep understanding of the Indian customer, DHFL is one of India s largest financial services companies. For further information, please visit http://www.dhfl.com. About PFI Pramerica is a trade name used by Prudential Financial, Inc. (PFI), a company incorporated and with its principal place of business in the United States, and its affiliated companies in select countries outside the United States. PFI (NYSE: PRU), a financial services leader with more than $1 trillion of assets under management as of September 30, 2013, has operations in the United States, Asia, Europe and Latin America. PFI s diverse and talented employees are committed to helping individual and institutional customers grow and protect their wealth through a variety of products and services, including life insurance, annuities, retirement-related services, mutual funds and investment management. In the U.S., PFI s iconic Rock symbol has stood for strength, stability, expertise and innovation for more than a century. Prudential Financial, Inc. of the United States is not affiliated in any manner with Prudential plc, a company incorporated in the United Kingdom. Pramerica and the Rock Logo are proprietary servicemarks and may not be used without the permission of the owner. Note: For information on timeframes for proposal processing, policy servicing, claims servicing and grievance redressal, please refer our website at www.dhflpramerica.com Service Tax & Education cess will be deducted from the quoted premium. This product provides 30 days freelook period if sold through distance marketing mode. Insurance is the subject matter of solicitation. This product provides life insurance coverage. DHFL Pramerica Golden Age+ UIN: 140L013V01 IRDA Registration Number: 140 DLF Pramerica Life Insurance Company Limited. All rights reserved. Copyright 2009 Beware of spurious phone calls and Fictitious/Fraudulent offers: IRDA clarifies to public that IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call and number.