Get regular moneyback and enjoy more from your savings

Get regular moneyback and enjoy more from your savings Birla Sun Life Insurance Bachat (Moneyback) Plan Protects your family s future through regular savings

You have aspirations and dreams for your family and would like to ensure that you are able to provide for them. For this, you would like an avenue to save your hard earned money regularly so that it grows and you receive amounts at regular intervals to fulfil your dreams. Introducing BSLI Bachat (Moneyback) Plan, a traditional non-participating moneyback plan that helps you build a corpus through regular systematic savings and get your savings augmented through additions every year and at maturity. With BSLI Bachat (Moneyback) Plan, you can now start ensuring and protecting your family's dreams and aspirations by saving as little as Rs. 400 per month. THE SALIENT BENEFITS IN THIS PLAN ARE You choose your Monthly Base Premium based on your needs and as little as Rs. 400 You are insured for up to 180 x the Monthly Base Premium th th th You get 20% of Monthly Base Premiums paid back on the 5, 10 and 15 policy year After 20 Years Band I Band II Band III Bachat Addition 5.00% 5.25% 5.50% With Loyalty Additions 7.87% 8.35% 8.83% Based on current non-guaranteed Bachat Addition Rate and premiums paid annually for 20 years You can double your Sum Assured in case of accidental death for a nominal additional premium of 1.2% x the Monthly Base Premium

This plan is meant for you if: You plan to pay and stay invested for 10 years or more. Age at Entry Policy Term Premium Pay Term 13-60 years 20 years 20 years Monthly Base Premium Rs. 400 - Rs. 5,000 Sum Assured Premium Payment Frequency Up to 180 times Monthly Base Premium Monthly, Quarterly, Semi-annual and Annual CHOOSING YOUR MONTHLY BASE PREMIUM In this plan, you start by choosing the Monthly Base Premium or MBP. You can choose to pay your premiums either Monthly, Quarterly, Semi-Annually or Annually. You stand to benefit from a premium rebate if you choose to pay your premiums Semi-Annually or Annually as illustrated below. Premium Payment Frequency Monthly Quarterly Semi-Annually Annually Premium Rebate 2% 4% Premium payable by you 1 x MBP 3 x MBP 5.88 x MBP 11.52 x MBP Please note - Your actual premium payable will be higher than your Monthly Base Premium by any applicable rider premium, underwriting extras, service tax, education cess and any other applicable taxes and levies as per the extant tax laws. For premiums paid quarterly or monthly, you will have to choose either ECS or salary deduction as a method of payment. Also, we will require 2 monthly premiums at inception in case of monthly payments. EARN ANNUAL BACHAT ADDITIONS and A LOYALTY ADDITION 1. Bachat Addition - We reward you with a Bachat Addition at the end of every policy year. A Bachat Addition Rate is declared by us annually on the first of April each year and this Bachat Addition Rate will be used to determine the Bachat Addition you will earn during the upcoming year. The Bachat Addition Rate as of April 1, 2010 is - Band I II III For policies with MBP (in Rs.) 400 to 599 600 to 899 900 + Bachat Addition Rate 5.00% 5.25% 5.50% The Bachat Addition you will earn every year is determined as follows: ubachat Addition = Sum of all MBP paid to date less sum of Survival Benefits paid x Bachat Addition Rate Bachat Additions earned to date will be paid when your policy matures or in case the life insured dies prior to maturity. In case of surrender, Bachat Additions will be paid only if the policy is surrendered after the completion of 10 years.

2. Loyalty Addition - We also reward you for your loyalty with a Loyalty Addition increasing every year. The Loyalty Addition will be determined as follows: uloyalty Addition = Sum of all Bachat Additions earned to date x Sum of all Bachat Additions earned to date / (240 x MBP) The Loyalty Addition will be paid when your policy matures or in case the life insured dies prior to maturity. In case of surrender, the Loyalty Addition will be paid only if the policy is surrendered after the completion of 15 years. YOUR KEY BENEFITS 1. Survival Benefits - You will receive 20% of Monthly Base Premiums paid, on th th th the 5, 10 and 15 policy anniversary. 2. Maturity Benefit - On maturity after 20 years, you will receive uall Monthly Base Premiums paid; plus uall Bachat Additions earned; plus uthe Loyalty Addition; less uall Survival Benefits paid. 3. Death Benefit - In the unfortunate event of death of the life insured, the nominee shall receive uall Monthly Base Premiums paid (or Sum Assured if higher); plus uall Bachat Additions earned; plus uthe Loyalty Addition; less uall Survival Benefits paid. The Sum Assured depends on the Entry Age as follows: Entry Age 13 to 40 41 to 50 51 to 60 Sum Assured 180 x MBP 120 x MBP 60 x MBP 4. Accidental Death Benefit Rider - You have an option to increase the Sum Assured in case the life insured dies accidentally. Age at Entry Rider Term Rider Premium Rider Sum Assured 18-50 years 20 years 1.2% x Monthly Base Premium 180 x MBP for Entry Age 18 to 40 120 x MBP for Entry Age 41 to 50 5. Surrender Benefit - Once 36 MBPs have been paid, you may surrender your policy and receive: nd All Monthly Base Premiums paid from the 2 year onwards x the surrender u factor below; less all Survival Benefits paid; plus

th After the 10 policy year, all Bachat Additions earned; plus u th After the 15 policy year, the Loyalty Addition. u The surrender factor is 100% after completing 10 policy years, otherwise it is Policy Year of Surrender 3 4 5 6 7 8 9 10+ Surrender Factor 30% 40% 50% 60% 70% 80% 90% 100% ILLUSTRATION of BENEFITS The table below illustrates the benefits of the BSLI Bachat (Moneyback) Plan. This has been illustrated assuming premiums are paid annually, and factoring the 4% premium rebate. To understand the Surrender Benefits, you may evaluate them as a percentage of the premiums paid. The illustration shows that the Surrender Benefits are 118%, 138% and 160% of premiums after 10, 15 and 20 years, respectively for Band I. Alternatively, you may determine an 'equivalent' Bachat Addition Rate thereby combining the effect of the Bachat Additions and Loyalty Addition. For Band I, the combined effect of the Bachat Additions and Loyalty Addition amounts to a Surrender Benefit of Rs. 147,987 after 20 years and this is the same as applying a 7.87% 'equivalent' Bachat Addition Rate on the premiums paid to date in each of the 20 years. Using this method, the Surrender Benefits correspond to an 'equivalent' Bachat Addition Rate of 3.91%, 6.06% and 7.87% after 10, 15 and 20 years, respectively. Band I II III MBP Range (in Rs.) 400 to 599 600 to 899 900 + Bachat Addition Rate 5.00% 5.25% 5.50% MBP chosen by you 500 750 1,000 MBP x 12 6,000 9,000 12,000 Annual Premium paid by you 5,760 8,640 11,520 Total Survival Benefit After 10 years 18,000 27,000 36,000 After 15 years 36,000 54,000 72,000 After 20 years 36,000 54,000 72,000 Surrender Benefit After 10 years 50,100 76,208 103,020 After 15 years 82,827 127,374 174,077 After 20 years 147,987 228,180 312,685 Surrender Benefit plus Total Survival Benefit / Total Premiums Paid After 10 years 118% 119% 121% After 15 years 138% 140% 142% After 20 years 160% 163% 167% Equivalent Bachat Addition Rate After 10 years 3.91% 4.17% 4.43% After 15 years 6.06% 6.45% 6.85% After 20 years 7.87% 8.35% 8.83%

DETAILED ILLUSTRATION of BACHAT ADDITIONS and LOYALTY ADDITION Monthly Base Premium Rs. 500 Bachat Addition Rate at 5.00% Policy Base Premium Survival Bachat Addition Loyalty Total Additions Payable on Year Annual Paid Benefit Earned Payable Addition Death Surrender [a] [b] [c] [d] [e] [f] [g] [h] 1 6,000 6,000 0 300 300 1 301 --- 2 6,000 12,000 0 600 900 7 907 --- 3 6,000 18,000 0 900 1,800 27 1,827 --- 4 6,000 24,000 0 1,200 3,000 75 3,075 --- 5 6,000 30,000 6,000 1,200 4,200 147 4,347 --- 6 6,000 36,000 0 1,500 5,700 271 5,971 --- 7 6,000 42,000 0 1,800 7,500 469 7,969 --- 8 6,000 48,000 0 2,100 9,600 768 10,368 --- 9 6,000 54,000 0 2,400 12,000 1200 13,200 --- 10 6,000 60,000 12,000 2,100 14,100 1657 15,757 14,100 11 6,000 66,000 0 2,400 16,500 2269 18,769 16,500 12 6,000 72,000 0 2,700 19,200 3072 22,272 19,200 13 6,000 78,000 0 3,000 22,200 4107 26,307 22,200 14 6,000 84,000 0 3,300 25,500 5419 30,919 25,500 15 6,000 90,000 18,000 2,700 28,200 6627 34,827 34,827 16 6,000 96,000 0 3,000 31,200 8112 39,312 39,312 17 6,000 102,000 0 3,300 34,500 9919 44,419 44,419 18 6,000 108,000 0 3,600 38,100 12097 50,197 50,197 19 6,000 114,000 0 3,900 42,000 14700 56,700 56,700 20 6,000 120,000 0 4,200 46,200 17787 63,987 63,987 Notes: [a] = MBP x 12 [b] = MBPs paid to date or sum of [a] to date [c] = 20% of [b], paid on the 5th, 10th and 15th policy year [d] = ([b] - sum of [c] paid to date) x Bachat Addition Rate of 5.00% [e] = Bachat Additions earned to date or sum of [d] to date [f] = [e] x Ratio of [e] over 240 x MBP [g] = [e] + [f] [h] = [e] after 10 years + [f] after 15 years

DETAILED ILLUSTRATION of POLICY BENEFITS Monthly Base Premium Rs. 500 Bachat Addition Rate at 5.00% All Entry Ages Entry Age 13 to 40 Entry Age 41 to 50 Entry Age 51 to 60 Policy Year Surrender Benefit Death Benefit Death Benefit Death Benefit Gtd Total Gtd Total Gtd Total Gtd Total [i] [j] [k] [l] [k] [l] [k] [l] 1 --- --- 90,000 90,301 60,000 60,301 30,000 30,301 2 --- --- 90,000 90,907 60,000 60,907 30,000 30,907 3 3,600 3,600 90,000 91,827 60,000 61,827 30,000 31,827 4 7,200 7,200 90,000 93,075 60,000 63,075 30,000 33,075 5 6,000 6,000 84,000 88,347 54,000 58,347 24,000 28,347 6 12,000 12,000 84,000 89,971 54,000 59,971 30,000 35,971 7 19,200 19,200 84,000 91,969 54,000 61,969 36,000 43,969 8 27,600 27,600 84,000 94,368 54,000 64,368 42,000 52,368 9 37,200 37,200 84,000 97,200 54,000 67,200 48,000 61,200 10 36,000 50,100 72,000 87,757 42,000 57,757 42,000 57,757 11 42,000 58,500 72,000 90,769 48,000 66,769 48,000 66,769 12 48,000 67,200 72,000 94,272 54,000 76,272 54,000 76,272 13 54,000 76,200 72,000 98,307 60,000 86,307 60,000 86,307 14 60,000 85,500 72,000 102,919 66,000 96,919 66,000 96,919 15 48,000 82,827 54,000 88,827 54,000 88,827 54,000 88,827 16 54,000 93,312 60,000 99,312 60,000 99,312 60,000 99,312 17 60,000 104,419 66,000 110,419 66,000 110,419 66,000 110,419 18 66,000 116,197 72,000 122,197 72,000 122,197 72,000 122,197 19 72,000 128,700 78,000 134,700 78,000 134,700 78,000 134,700 20 84,000 147,987 84,000 147,987 84,000 147,987 84,000 147,987 Notes: [i] = (Surrender Factor x [b] less MBPs paid in first year) - sum of [c] paid to date. 100% x [b] - sum of [c] paid to date in 20th policy year [j] = [i] + [h] [k] = [b] or 180 x MBP for entry ages 13 to 40 - sum of [c] paid to date = [b] or 120 x MBP for entry ages 41 to 50 - sum of [c] paid to date = [b] or 60 x MBP for entry ages 51 to 60 - sum of [c] paid to date [l] = [k] + [g] Accidental Death Benefit - Optional Rider for Entry Ages 18 to 50 For an extra 1.2% of MBP additional Sum Assured is paid in case of accidental death. uextra 180 x MBP payable in case death is accidental for entry ages 18 to 40. uextra 120 x MBP payable in case death is accidental for entry ages 41 to 50.

OTHER BENEFITS 1. Tax Benefits - You will be eligible for tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961. Currently, Under Section 80C, premiums up to Rs. 1,00,000 are allowed as a deduction from your taxable income, each year. Under Section 10 (10D), the benefits you receive from this plan are exempt from tax, subject to mentioned exclusions. 2. Policy Loans rd - Starting from the 3 policy year you can get a loan on your policy. The minimum loan amount is Rs. 5,000 and the maximum loan amount is 90% of the Surrender Benefit. The interest we charge on such loans will be fixed by us from time to time. 3. Grace Period and Revival - If you are unable to pay your premium by the due date, you will be given a grace period of 30 days and during this grace period all coverage under your policy will continue. If you do not pay your premium within the grace period, the following will be applicable: a) In case your policy has not acquired a surrender benefit, then all benefits under your policy will cease immediately. b) In case your policy has acquired a surrender benefit, then your policy will be continued on a paid-up basis. You can reinstate your policy for its full coverage within two-years from the due date of the first unpaid premium by paying all outstanding premiums together with interest as declared by us from time to time and by providing evidence of insurability satisfactory to us. 4. Free-look period - You will have the right to return your policy to us within 15 days from the date of receipt of the policy. We will refund all premiums paid till date once we receive your written notice of cancellation (along with reasons thereof) together with the original policy documents. Depending on our then current administration rules, we may reduce the amount of the refund by expenditures incurred by us in issuing your policy and as permitted by the IRDA and in accordance to IRDA (Protection of Policyholders Interest) Regulations, 2002. TERMS and CONDITIONS Refund of Premiums upon Death We will refund only the premiums paid to date, excluding rider premium, if any in the event the life insured dies by suicide, whether medically sane or insane, within one year after the issue or reinstatement date. Guaranteed Minimum Bachat Addition Rate We guarantee that the Bachat Addition Rate declared by us will be no less than 4.50%; plus 75% of any excess of the Benchmark Rate over 7.00%; less 80% of any excess of 7.00% over the Benchmark Rate; all rounded down to the nearest 0.25%. For Band II and Band III, the resulting Bachat Addition Rate is increased by 0.25%

and 0.50% respectively. The Benchmark Rate is the average of the daily 10-year Constant Maturity Treasury (10-Year CMT) yields recorded over the last 3 years. Currently, the source of the 10-Year CMT yield is that published by Bloomberg. Prohibition of Rebates - Section 41 of the Insurance Act, 1938 No person shall allow or offer to allow, either 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 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. Non-Disclosure - Section 45 of the Insurance Act, 1938 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 statement made in the proposal or in any report of a medical officer, or referee, or friend of the life 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. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the application.

BIRLA SUN LIFE INSURANCE A COMING TOGETHER OF VALUES About Birla Sun Life Insurance Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla Group, a well known Indian conglomerate and Sun Life Financial Inc., one of the leading international financial services organization from Canada. With an experience of over a decade, BSLI has contributed significantly to the growth and development of the Indian life insurance industry and currently is one of the leading life insurance companies in the country. Enjoying trust of its over 2 Million customers, BSLI is known for innovations. BSLI offers a complete range of offerings comprising of protection solutions, children's future solutions, wealth with protection, health and wellness as well as retirement solutions and has an extensive distribution reach over 500 cities through its network of over 600 branches, close to 1,40,000 empanelled advisors and over 700 partnerships with Corporate Agents and Banks. This is well supported by the sound financials that the Company has. The AUM of Birla Sun Life Insurance is close to Rs. 16,000 crs and it has a robust capital base of over Rs. 2450 crs as on March 31, 2010. For more information, please visit www.birlasunlife.com About Aditya Birla Financial Services Group (ABFSG) The Aditya Birla Financial Services Group (ABFSG) has a significant presence across various verticals, including life insurance, insurance broking, mutual funds, private equity, security based lending, factoring, insurance advisory services, retail broking and distribution of third party products. The seven companies representing Aditya Birla Financial Services Group are Birla Sun Life Insurance Company Ltd., Birla Sun Life Asset Management Company Ltd., Aditya Birla Capital Advisors Ltd., Aditya Birla Money Ltd., Aditya Birla Money Mart Ltd., Aditya Birla Finance Ltd. and Birla Insurance Advisory & Broking Services Ltd. The ABFSG is committed to being a leader and role model in a broad based and integrated financial services business. Its 7 lines of businesses, with over 5.5 million customers manages assets worth USD 18 billion approximately and prides itself for having a talent pool of over 16,000 committed employees. ABFSG has its wings spread across more than 500 cities in India through 1600 branches and over 200,000 channel partners. This allows ABFSG to offer its customers virtually anything other than a savings or current account. With over billion dollar revenue, ABFSG is a significant non bank player and one of the few players who have a top 5 position in both life insurance and mutual funds. ABFSG is a part of Aditya Birla Nuvo Ltd. (ABNL), a USD 3 billion conglomerate having leadership position across its manufacturing as well as services sector businesses. ABNL is a part of the Aditya Birla Group, a USD 29 billion Indian business house operating in 25 countries across the globe.

About Sun Life Financial Inc. Sun Life Financial is a leading international financial services organization providing a diverse range of protection and wealth accumulation products and services to individuals and corporate customers. Chartered in 1865, Sun Life Financial and its partners today have operations in key markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. As of March 31, 2009, the Sun Life Financial group of companies had total assets under management of $375 billion. For more information please visit www.sunlife.com DISCLAIMERS This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a non-participating traditional insurance plan. All terms & conditions are guaranteed throughout the policy term except for the Bachat Addition Rate which will vary from year to year and be declared by BSLI on April 1st of every calendar year. Future Survival Benefits are paid only if the Guaranteed Surrender Benefit exceeds the Survival Benefit payable. BSLI reserves the right to recover levies such as the Service Tax and Education Cess levied by the authorities on insurance transactions. If there be any additional levies, they too will be recovered from you. This brochure contains only the salient features of the plan. For further details please refer to the policy contract. Tax benefits are subject to changes in the tax laws. Insurance is the subject matter of the solicitation. For more details and clarification call your BSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true.

Call Toll-free: 1-800-270-7000 www.birlasunlife.com SMS RETURN to 56161 Regd. Office: One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. Reg. No.109 Unique no.: 109N57V01 ADV / 7 / 10-11 / 4068 VER 1/July/ 2010