Dear Friends, Warm Regards

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2 Dear Friends, At DHFL Pramerica Life Insurance Co. Ltd. (DPLI), we strongly believe that Protection is the fundamental purpose of life insurance. We try and ensure that our customers understand that the core reason for buying life insurance is to protect the future of their families and not just for investment or tax savings. We do recognize, though, that customers have unique needs for insurance depending on factors like income, stage in their life cycle, family obligations, etc. and our aim is to customize our products as well as sales and support platforms to meet the needs of various customer segments. As you may be aware, 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 and was granted approval by the Insurance Regulator, IRDA in December The DPLI Prahri initiative has been founded on the Company s objective to provide customized solutions to specific customer segments. Therefore, Prahri operates across India with the mission to secure and enrich the lives of personnel working with the most prestigious organization - The Indian Armed Forces. This program is uniquely designed to protect the family of defence personnel in case of an eventuality in war and war-like situations. We are very proud of what Prahri has achieved in the few years of its existence and are grateful for the trust our customers from the Indian Armed Forces have placed in us. We look forward to partnering with you in driving this initiative further so that we can address a very important and relevant need of every defence personnel. Warm Regards Anoop Pabby Managing Director and CEO

3 Dear Brother Officers, Defence Personnel dedicate their lives to protect the country. Yet, in our view, they themselves are inadequately protected from the uncertainties of life which can end up impacting them and their families adversely. With an objective to provide comprehensive insurance solutions to the defence personnel since 2009, DHFL Pramerica Life Insurance Company Limited has launched a life insurance program that helps servicemen meet their insurance needs. This program has been specifically designed and launched for the defence personnel only. We call this program Prahri (the protector). Most of our employees in Prahri come from a service background. We try our best to understand the unique needs of servicemen and have customised our products, our sales processes as well as our operations and service delivery to ensure that these distinct needs are taken care of in the best possible manner. As an example, we have provided for special medical and financial underwriting based on the 6th Pay Commission as well as the Servicemen s Health Classification (SHAPE Classification). At DHFL Pramerica Prahri, we strongly believe in partnering with the defence community by working with and through them. In the past 5 years, we have taken some initiatives like partnering with AWWA through ASHA Schools in all the cantonment locations, PRC (Paraplegic Rehabilitation Center) and the DGR (Director General Resettlement) for hiring & training of retiring Armed Forces Personnel that have been very successful. Along with these, we have also partnered in organising Unit-level Activities such as Raising Days, Golden Jubilee Celebrations, Sports Activities and Bada Khana that were received with great enthusiasm. Our intent is to associate with close to the heart initiatives of the Indian Armed Forces and be known as a caring partner, beyond just being a provider of insurance services to the defence personnel. Prahri is very dear to us. This is our way of saying thank you to the service personnel and to support and serve the services. Best Regards, Maj C. Karthik (Retd.) Vice President & Head of Businesses - Affinity you protect a billion lives, LEAVE YOURS TO US Defence personnel dedicate their lives to protecting their countrymen. Yet, when it comes to protecting themselves and their families from the exigencies of life, existing life insurance plans are often not adequate. In our view, a critical need of the defence personnel is to supplement their basic existing life insurance plans with a plan that is customised to their specific requirements. That's where PRAHRI comes in with an initiative designed especially for the forces. It has plans which work to protect the defence personnel and their families. our VISION To secure and enrich the lives of the personnel working with the most prestigious Indian organisation - The Indian Armed Forces, by working with and through them. Our dedicated sales team, which includes ex-servicemen and members of the families of the defence personnel, helps us understand your needs better and address your concerns more effectively. Our initiatives are not hastily put together, but well-researched and well-planned to cover all your needs.

4 6. Time for Claims Processing Record turnaround time of 15 days for Claims Processing (Upon receiving complete documents from the nominee). what makes us UNIQUE? 1. Products covering war and warlike situations Differentiated products and service agreements for the forces which cover circumstances like conventional war, low intensity conflict, counter insurgency, disaster management, internal security duties, training and exercises th Pay Commission Revisions The Life Cover is commensurate with revision in pay scale as per 6 th Pay Commission. 3. DGMO Medical Order Higher non-medical limits basis latest AME and PME reports. DGMO Medical Order on SHAPE Classification incorporated as a part of the medical underwriting. 4. Claim Processing with DO Letter 7. Policy Confirmation Calls All Customers are called before policy login to reconfirm contact details for timely servicing. 8. Welcome Calls All customers are called post policy pack delivery to welcome them to the Prahri family and solicit feedback on their on-boarding process with DPLI. 9. We Stay Connected Offices near or inside cantonments Policy Cards - Given to all Policyholders with details of the Prahri Manager and the Policy Toll-free Helpline for Customers: (Monday - Friday, 9 am to 7 pm) SMS updates sent to Policyholders msampark App: Policy App available on Android phones to facilitate access to policy details with a touch of a button We waive off the Death Certificate requirements on duty deaths and process claims through DO Letter from Commanding Officer/Officer Commanding. 5. Ex-servicemen League Prahri has a dedicated sales team with a mix of employees from ex-defence and ex-paramilitary background or belonging to the family of Defence and Paramilitary personnel to understand specific needs of these forces. We currently have 263 ex-serviceman on-board working in different roles such as Managers, Office Prahris, Agents, etc. pan India Training to Deliver to Your Expectations Customised Sales Process Training namely Prahri Commando Course is designed to impart in-depth understanding of the financial needs and challenges faced by the Armed Forces personnel, along with recommending superior financial solutions. It also comprises an intensive customer service training to provide superior policy services to existing customers and prompt claim settlement in case of adversities.

5 Prahri Ex-servicemen LEAGUE PRAHRI PRESENCE IN CANTONMENTS PRAHRI has a dedicated sales team with a mix of employees from ex-defence and ex-paramilitary background or belonging to the family of Defence and Paramilitary personnel to understand specific needs better. We currently have 263 Ex-servicemen onboard as Managers, Officer Prahris, Agents etc. pan India. SRINAGAR LEH UDHAMPUR JAMMU DHARAMSALA PATHANKOT AMRITSAR JALANDHAR FIROZPUR CHANDIGARH SHIMLA BHATINDA PATIALA DEHRADUN AMBALA ROORKEE HISAR MEERUT SRI GANGANAGAR MATHURA SURATGARH BAREILLY GURGAON BIKANER AGRA LUCKNOW JAISALMER FAIZABAD KOTA JAIPUR ALLAHABAD JODHPUR GWALIOR NASIRABAD JHANSI We function in multiple locations across: Jammu & Kashmir, Punjab, Delhi NCR, Himachal Pradesh, Haryana, Uttar Pradesh, Rajasthan, Madhya Pradesh, Maharashtra, Andhra Pradesh, Sikkim, Karnataka, Chhattisgarh, West Bengal, Jharkhand, Assam and Gujarat GANGTOK SILIGURI DIBRUGARH TEZPUR DIMAPUR SAGAR BHOPAL RANCHI AHMEDABAD VADODARA JABALPUR RAIPUR KOLKATA NASHIK PUNE AHMEDNAGAR HYDERABAD BELGAUM BENGALURU

6 CLAIMS CLAIMS The company staff proactively engage with our people in the Cantt. As a result of this, when they got to know that Rifleman was no more, they informed the Unit of his Life Insurance Policy (of which the Unit or his family was unaware) and took the initiative to settle his claim within two weeks. I applaud their concern and sense of duty towards their customers. Ex. Commanding Officer 7th Battalion, The Garhwal Regiment Late Rifleman, 7th Battalion, The Garhwal Regiment, Claim paid on January 11th, 2012 Policyholder had taken a 20 year Rakshak Plan for a Sum Assured of `2 Lacs on June 15th, On November 16th, 2011, he fell into a ditch-cum-bund while on an EWT with his formation and succumbed to the injury on the way to the hospital. Despite the fact that the family was residing in a remote area, we processed the claim in just 15 days. But due to unavailability of the late soldier s father, we made the following payouts on December 28th, 2011: Immediate lump sum payment of ` 2,01,983/- Family Pension of `4,000/- per month for 19 years & 7 months (Total Pension Amount `9,40,000/-) Late Subedar, 388 Army Supply Corps (Supply Depot.) Claim paid on June 17th, 2013 Policyholder had taken a 15 year Rakshak Plan for a Sum Assured of `1,30,400. While on a vacation in Uttar Pradesh, he passed away due to a sudden heart attack. With due responsibility, we made the following payouts to his wife: Immediate lump sum payment of `1,52,348/- Family Pension of `2,608/- per month which his wife still receives Lump sum payment of `1,30,400 on policy term expiry Total Benefits to the family = `7,17,200/- Late Lance Naik, 147 Light Air Defence Claim paid on June 24th, 2013 Policyholder had taken a 10 year Rakshak Plan for a Sum Assured of `1,00,200/-. He passed away while he was posted at LOC, Kargil. With due responsibility, we made the following payouts to his wife: Immediate lump sum payment of `1,20,302/- Family Pension of `2,004/- per month which his wife still receives Late Lance Naik, Nursing Assistant from 433 Field Ambulance Policyholder had taken two DHFL Pramerica policies, each with a Sum Assured of `1,33,000/-. While on a vacation in Maharashtra, a road accident led to his unfortunate demise. With due responsibility, we made the following payouts: Lump sum payment of `2,85,882/- Monthly income of `5,320/- per month which his family still receives Total Benefits to the family = `11,96,940/- Late Subedar (Retd.) Claim paid on February 20th, 2014 Policyholder had taken a 10 year Wealth+Ace Plan for a Sum Assured of `2,50,000/-. He passed away due to a sudden cardiac arrest. With due responsibility, we made the following payouts to his wife: Immediate lump sum payment of `2,50,000/- Late Havildar, 38 Engineer s Regiment Claim paid on February 28th, 2014 Policyholder had taken a 15 year Rakshak Plan for a Sum Assured of `1,40,000/-. A bout of Dengue caused his untimely demise while he was posted in Patiala. With due responsibility, we made the following payouts to his wife: Immediate lump sum payment of `1,54,280/- Family Pension of `2,800/- per month which his wife still receives Lump sum payment of `1,40,000/- on policy term expiry Total Benefits to the family = `7,64,680/- Late Havildar, 660 Army Aviation Claim paid on September 24th, 2014 Policyholder had taken a 15 year Rakshak plan for a Sum Assured of `1,43,450/- on December 30th, While he was on vacation in Bihar, a road accident led to his unfortunate demise. With due responsibility, we made the following payouts: Immediate lump sum payment of `1,65,936/- Lump sum payment of `2,00,000/- on policy term expiry Total Benefits to the family = `13,40,000/- Lump sum payment of `1,00,200/- on policy term expiry Total Benefits to the family = `4,12,824/- Family Pension of `2,869/- per month which his nominee still receives Lump sum payment of `1,43,450/- on policy term expiry Total Benefits to the family = `7,60,571/-

7 CLAIMS CLAIMS Late Havildar, 506 ASC Bn Claim paid on August 25th, 2014 Policyholder had taken a 10 year Rakshak plan for a Sum Assured of `93,600/- on May 31st, He passed away while on TD in Pithoragarh. With due responsibility, we made the following payouts: Immediate lump sum payment of `1,05,028/- Family Pension of `1,872/- per month which his nominee still receives Lump sum payment of `93,600/- on policy term expiry Total Benefits to the family = `3,89,376/- Late Naik, 288 Med Regiment Claim paid on June 4th, 2014 Policyholder had taken a 10 year Rakshak plan for a Sum Assured of `1 Lac on March 20th, 2012 An avalanche in Drass sector caused his untimely demise With due responsibility, we made the following payouts: Immediate lump sum payment of `1,26,708/- Family Pension of `2,000/- per Month which his nominee still receives Lump sum payment of `1,00,000/- on policy term expiry Total Benefits to the family = `4,08,700/- Late Lance Naik, 512 ASC Bn Claim paid on July 31st, 2014 Policyholder had taken a 10 year Rakshak plan for a Sum Assured of `71,180/- on July 19th, A road accident led to his unfortunate demise. With due responsibility, we made the following payouts: Immediate lump sum payment of `82,731/- Family Pension of `1,423.60/- per month which his nominee still receives Lump sum payment of `71,180/- on policy term expiry Total Benefits to the family = `3,03,226.80/- Late ASI, Haryana Police Claim paid on April 30th, 2014 Policyholder had taken a 15 year Rakshak plan for a Sum Assured of `1,56,000/- on October 5th, He passed away due to Cancer while he was in Sirsa. With due responsibility, we made the following payouts: Immediate lump sum payment of `1,87,002/- Family Pension of `3,120 /- per month which his nominee still receives Lump sum payment of `1,56,000/- on policy term expiry Total Benefits to the family = `8,23,680/- Late Nb. Sub., 16 SikhLi Claim paid on July 18th, 2014 Policyholder had taken a 10 year Rakshak plan for a Sum Assured of `70,850/- on April 9th, A serious illness took his life and he passed away while travelling from Jakhama. With due responsibility, we made the following payouts: Immediate lump sum payment of `96,600/- Family Pension of `1,417/- per month which his nominee still receives Lump sum payment of `70,850/- on policy term expiry Total Benefits to the family = `2,89,068/- Late Havildar, 626 EME Bn, Claim paid on April 30th, 2014 Policyholder had taken a 15 year Rakshak plan for a Sum Assured of `1,30,800/- on April 12th, Unfortunately he passed away while on duty. With due responsibility, we made the following payouts: Immediate lump sum payment of `1,86,912/- Family Pension of `2,616/- per month which his nominee still receives Lump sum payment of `1,30,800/- on policy term expiry Total Benefits to the family = `6,95,856/-

8 PRESENTING A POLICY YOU CAN CONTROL PLAN YOUR TODAY TO PROTECT YOUR TOMORROW. Meet your responsibilities and protect your child's bright future with Rakshak+. POLICY LIFE CYCLE Monthly premium as low as `3,300/- Premium Paid Age of the Life Insured 32 yrs* Sum Assured: `2,18,100/- Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 39,600# 39,600 39,600 39,600 39,600 39,600 39,600 39,600 Year 9 Year 12 Year 13 Year 14 Total premium paid Year15 Age of the Life Insured: 30 yrs# Sum Assured: `2,04,928/Policy Term: 25 years Premium Payment Term: 10 Years Premium Payment: Monthly Mode `3,16,800 52,344 Monthly Benefit (Annual Benefit = `4,362 x 12) Year 10 Year 11 Final Benefit that his family will receive at the end of the term 52,344 52,344 52,344 52,344 52,344 52,344 `3,66,408 In case Flexible Maturity Benefit is opted (at age 46) `4,03,063/- ** (including Bonus). ANNUALISED PREMIUM Death Benefit** 2,85,711 3,81,675 `6,67,386 Total Death Benefit *Healthy male life, age 32 years, policy term 15 years, Premium Payment Term of 10 years, on monthly mode **Death at the end of the 8th policy year `10,33,794 If death occurs at the end of 8th year #The premium amount is excluding service tax and education cess but including occupational extra loading of 2 per 1000 of sum under consideration at inception His family will receive Immediate Benefit of `2,85,711/- Total Death Benefit his family will receive `10,33,794/- AGE 30 Annualised Premium of `30,000/-* (Monthly Premium `2,500/-) for payment term of 10 years AGE 40 Guaranteed Annual Cash Back of `2,708/starting 2nd policy year till 10th policy year Guaranteed Increasing Death Benefit Guaranteed Maturity Benefit Limited Premium Payment Term Tax Benefit As Per Prevailing Tax Laws Insurance is the subject matter of solicitation. This product provides life insurance coverage. This material gives the salient features of the product. For more details on risk factors and terms & conditions including policy exclusion, please refer to the detailed plan brochure and policy terms and conditions before concluding a sale. IRDA Registration No Registered Office: DHFL Pramerica Life Insurance Company Limited (erstwhile DLF Pramerica Life Insurance Co. Ltd), 4th Floor, Building No. 9B, Cyber City, DLF City Phase III, Gurgaon Haryana. CIN: U66000DL2007PLC Customer Service Helpline (Toll Free): , [email protected], UIN: 140N035V01. Tax laws are subject to change. The DHFL and Pramerica Marks displayed belong to Dewan Housing Finance Corporation Limited and The Prudential Insurance Company of America respectively and are used by DHFL Pramerica Life Insurance Company Limited under license. 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. AGE 46 MATURITY BENEFIT (at age 55) of `7,04,936/- ** (including Bonus). AGE Flexi Benefit period 55 AGE 49 In case of Death at age 49 yrs. DEATH BENEFIT of `5,51,486/-** (including Bonus). In case Flexible Maturity Benefit is not availed. #Healthy male life, age as on last birthday *Premium amount exclusive of service tax & education cess. The premium calculated above is including loading of `2 per 1,000 of sum at risk for occupational extra. ** Death and maturity benefit have been calculated at an assumed investment return rate of 8%. The above rates are illustrative and are not guaranteed, the actual rates may vary depending upon various factors including the company performance. Insurance is the subject matter of solicitation. This product provides life insurance coverage. This material gives the salient features of the product. For more details on risk factors and terms & conditions including policy exclusion, please refer to the detailed plan brochure and policy terms and conditions before concluding a sale. Service tax and education cess as applicable will be charged over and above the quoted premium. IRDA Registration No DHFL Pramerica Life Insurance Company Limited (erstwhile DLF Pramerica Life Insurance Co. Ltd), Registered Office: 4th Floor, Building No. 9B, Cyber City, DLF City Phase III, Gurgaon Haryana. CIN: U66000DL2007PLC Customer Service Helpline (Toll Free): , [email protected], Website: UIN: 140N040V01 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.

9 Highly Regulated Industry TO ENSURE YOUR MONEY IS PROTECTED Protecting Your Investments We ensure the highest level of protection of your investment by following IRDA regulations in letter and spirit: As per IRDA (an autonomous body of the Government of India) requirements for protecting customer's investment, certain percentage of premium is maintained as reserve at all times to meet future liabilities. In addition, a second layer of protection is created by maintaining a solvency margin of 150% Protecting People from the Risks of Everyday Life Section 6 of The Insurance Act, 1938: Every insurance company carrying on Life Insurance Business must have a paid-up equity capital of 100 Cr. Section 27(C) of The Insurance Act, 1938: Prohibition for investment of funds outside India. Section 54 of The Insurance Act, 1938: No insurance company can voluntarily wind up. Section 52H of The Insurance Act, 1938: This section gives power to the Central Govt. to acquire undertakings of insurers, in case the insurer has persistently failed to comply with the directions given to it or if the Company is being managed in a manner detrimental to the public interest or to the interests of its policyholders or shareholders.

10 Community ENGAGEMENTS DHFL Pramerica partners with the defence community Directorate General of Resettlement (DGR) DHFL Pramerica has partnered with the Directorate General of Resettlement (DGR) to help provide career opportunities in the insurance industry to retired Armed Forces personnel/war widows/dependents. The Company has been empanelled with DGR to organize IRDA prescribed life insurance training workshops across the country. After the training and the IRDA examination, the participating ex-servicemen will be given an insurance license that will enable them to apply to any insurance company in India. I am a retired Subedar Major of Indian Army and have served my Country for 27 years. At the time of my retirement, I attended the DGR course conducted by the DHFL Pramerica Prahri channel. After going through 20 years of intensive training, we pensioners are now well versed with financial terminologies and have also gained a lot of knowledge on Investment Planning, Insurance, Mutual Funds, Tax Rebates. etc. I consider myself fortunate to be part of this programme. Sub. Maj. Nishant Singh (Retd.), 16 Punjab DHFL Pramerica is very different from other insurance companies. It is probably the first company that has such a comprehensive training programme for the retired army officials. I have now joined DHFL Pramerica as an Officer Prahri. The best thing about being an Officer Prahri is that I continue to be part of Indian Army. Thank You DHFL Pramerica for providing me this lovely opportunity. R.K Rajput The vision of 'PRAHRI' is to secure and enrich the lives of the most prestigious organisation - The Indian Armed Forces, by working with and through them. Asha School Initiatives To achieve this vision, we have partnered with AWWA in ASHA Schools for welfare initiatives and provided support for their activities. Along with this, we have also helped them in procurement of equipment, uniforms and study material. We have been associated with following ASHA Schools in: ASHA School, Birpur ASHA School, Dehradun Chetak ASHA School, Bhatinda DOT ASHA School, Hisar Vajra ASHA School, Jalandhar ASHA School, Firozpur ASHA School, Delhi ASHA School, Chandigarh ASHA School, Ambala ASHA School, Ahmedabad BE ASHA School, Patiala ASHA School, Bikaner ASHA School, Jabalpur ASHA School, Agra ASHA School, Nasik ASHA School, Pathankot

11 A few initiatives undertaken by us till date are as follows Mid-day meals for children Sponsorship of winter uniforms and tracksuits tailor-made for each child Equipment for children with special needs Sponsorship of teaching aid specific to the children s needs Sponsorship of salary of physiotherapist and speech therapist Scholarship for children from the economically weaker section Special occasions such as Independence Day, Children's Day and Annual Day celebrations Special games and Olympics for the school children Awareness programs such as Autism Awareness Day and World Disability Day Other Initiatives Tube well installation - Firozpur Borewell installation - Sharifabad, Jhansi Customised Health Card designed and printed - Bhatinda and Sri Ganganagar Shop Branding - Taurus Canteen/ Subroto Park, Delhi; Firozpur Cantt, Suvidha Complex, Jaipur Cafeteria Branding - Jalandhar Cantt, Pooh Unit Run Canteen Branding - Hisar, Bhatinda, Lucknow, Patiala, Jammu, Shimla, Firozpur, Jodhpur, Solan, Amritsar, Ambala, Agra and Kanpur Personality Development Course - Lucknow Swings for Ankur School - Firozpur Yoga Camp - Sri Ganganagar, Jaipur and Patiala Barricade Branding - Jammu CSD Branding - Jaipur and Alwar Unit Signage Branding - Chandigarh Branded Sports T-shirts - Patiala, Sri Ganganagar and Lucknow Canteen Branding - Pune Television Commercial The company has designed a short commercial to be aired on local cable networks and theatres in the cantonments for generating awareness among the personnel. This initiative has been well appreciated. The commercial can also be aired in cantonment theatres during movies. We have screened it at Lucknow, Amritsar and Sri Ganganagar Cantt. theatres and through local cable networks at Bhatinda, Ambala, Patiala, Jalandhar, Lucknow and Ahmednagar. Family Welfare Activity

12 About About Making Protection Accessible to Everyone DHFL Limited Changing Rules. Changing Lives. DPLI is a joint venture between Dewan Housing Finance Corporation Ltd. (DHFL), India s second largest private sector 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. DHFL PRAMERICA LIFE INSURANCE CO. LTD. 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 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. DHFL 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 For further information on the Company, please visit About PFI PFI - Rock Solid Strength that Builds Trust One of the world s largest financial institutions with more than 135 years in financial services. 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 $1.1 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. Protecting over a million smiles Pramerica is the brand name used in India and select countries by Prudential Financial Inc. Prudential International Insurance Holdings, Ltd. and Prudential Financial, Inc. of the United States are not affiliated with Prudential Plc, a Company incorporated in the United Kingdom Pramerica and the Rock Logo are proprietary service marks and may not be used without the permission of the owner

13 PFI - Association with the UNITED STATES MILITARY PFI has had a longstanding association with the Unites States Military with respect to the support it provides to military personnel through its life insurance programs as well as its work for US Military Veterans. The Company has been recognized many times over for its work for US Military Veterans. Support to US Military Veterans Veterans transitioning from active duty bring with them a host of corporate-ready skills and talents. PFI s Veterans Initiatives was established to encourage veterans to cultivate those capabilities and develop their corporate careers. Some of these initiatives are: VETalent: In 2010, PFI partnered with Workforce Opportunity Services and Rutgers University, Newark to establish a work/study program called VETalent, which prepares veterans, reservists or members of the National Guard for careers in information technology, sales and business operations. It includes several months of extensive and rigorous job training and classroom work, followed by on-the-job training to qualify for full-time, well-paid career opportunities either with PFI or other companies. Life Insurance Programs: PFI administers 3 Life Insurance Programs for the uniformed services of the United States. It is supervised by the United States Department of Veterans Affairs. Service Members' Group Life Insurance (SGLI): A life insurance available to all active duty and reserve members of the uniformed services of the United States. It provides low-cost term life insurance coverage to active duty members of the Army, Navy, Marine Corps, Air Force, Coast Guard, National Oceanic and Atmospheric Administration Commissioned Corps, and United States Public Health Service Commissioned Corps. Veterans Group Life Insurance (VGLI): A program that allows members to continue life insurance coverage after they are separated from service. VGLI provides lifetime coverage as long as they continue to pay premium. Enrolment is available for a maximum amount of coverage that is equal to the amount of Servicemembers Group Life Insurance (SGLI) coverage available at the time of separation from service. Family Servicemembers' Group Life Insurance (FSGLI): This is extended to spouses and dependent children of members insured under the SGLI program. Sources: and VETnet: PFI Military Veteran s Network This is a Business Resource Group composed of PFI employees that provides a vehicle for communication. It enables sharing of common issues and offers an important channel of communication between PFI and the Veterans community at large. It helps employees and hiring managers understand the challenges that are faced by Veterans and the value that they bring to the workplace. Sources: Recognition: 1. Named by G.I. Jobs to its list of Top Military Friendly Employers in Ranked No. 24 of the Best for Vets 2014 Employers by Military Times EDGE magazine in 2013 Pramerica is the brand name used in India and select countries by Prudential Financial Inc. Prudential International Insurance Holdings, Ltd. and Prudential Financial, Inc. of the United States are not affiliated with Prudential Plc, a Company incorporated in the United Kingdom Pramerica and the Rock Logo are proprietary service marks and may not be used without the permission of the owner 3. PFI was named a Beyond the Yellow Ribbon Company in 2013 for its proactive support of military service members and their families. 4. Recipient of Hiring our Heroes Post 9/11 Veteran Employment Award in 2012

14 Awards and RECOGNITION CELENT MODEL INSURER ASIA AWARD DISTRIBUTION CATEGORY (2014) BEST INSURER TECHNOLOGY BY ASIA INSURANCE REVIEW AND CELENT (2011) SKOCH FINANCIAL INCLUSION AWARD TATKAAL BAITHAKS (2011) RANKED 74TH GREAT PLACES TO WORK INDIA S BEST COMPANIES TO WORK FOR THE GREAT PLACE TO WORK INSTITUTE, INDIA & THE ECONOMIC TIMES (2011)

15 Contact us: SMS PRAHRI <CITY OF POSTING> to 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 Haryana. CIN: U66000DL2007PLC IRDA Registration No.140 The DHFL and Pramerica Marks displayed belong to Dewan Housing Finance Corporation Limited and The Prudential Insurance Company of America respectively and are used by DHFL Pramerica Life Insurance Company Limited under license. PRAHRI/DOSSIER/ENG/14/NOV/V6 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.