SBI LIFE -PRODUCT FEATURES

SBI LIFE -PRODUCT FEATURES KEYMAN INSURANCE Why a keyman policy? Person covered Min. & Max. at entry Maximum Cover Age Minimum Term To protect the Corporate against the financial consequences due to the death of a keyman. Keyman policy may be used as a collateral for corporate loans (Shield) To retain Key employees, savings cum protection benefit (Sudarshan) is available to face market demand. Individuals of Indian Resident 18 years & 60 years. 6 years. However, if the employee quits the employer for any reason, the policy has to be surrender or fully assign to the employee or to the new employer, if any. years (multiple of 1 year) Maximum Term 2 years Or retirement age, whichever is earlier Minimum Sum Assured Shield: Rs.,00,000 (then in multiples of Rs.,000) Maximum Sum Assured As per the product ceiling, subject to specific ceiling per Corporate: per individual per plan Shield: Sum Assured increases by % p.a.: Rs. crore Level cover: Rs. 2 crore Maximum Aggregate Sum Assured per Corporate for all Keymen policies a) times the average net profit of the Company for the past 3 years. b) 3 times the average gross profit of the Company for the past 3 years. Which ever is lower Multiples of the Keyman annual compensation package may be also considered case of start-up Companies, Corporate recently created) Surrender Value Shield: It is a pure protection product, therefore there is no surrender value. (in Premium Frequency Single premium payment mode. Regular premium payment mode: Yearly, half yearly and quarterly Premium Rebates Premium Payment Mode: in %age of premium Single and quarterly No Rebate Half Yearly 1% Yearly 2% Special rebate for women: in %age of premium Regular premium mode: % Single premium mode: 1% High Sum Assured : rebate per Rs. 000 of Sum Assured Sum Assured For Single Premium For Regular Premium Rs. lacs to 14.90 lacs Rs. 1.0 per 000 Rs. 0.30 per 000 SA per Rs. lacs and above SA Rs. 2.00 per 000 SA annum Rs. 0.3 per 000 SA per annum Loan & Assignment Loan: Pure term product. No loan facility Assignment When the policy is absolutely assign to the employee, he pays the premiums thereafter and the Keyman policy is now treated as an individual life insurance policy and all the benefits under the plan chosen qualify u/s (D) of IT Act. Nomination No nomination is acceptable for a keyman policy. Commission Regular Premium: Y1: 20%, Y2 onwards: %. Single premium: 2% Free Look period days

How to Subscribe Contact SBT branches for the proposal form. This proposal form has to be signed by the Corporate. A specific KEYMAN questionnaire has to be completed by the Corporate and duly signed by the Corporate AND the keyman List of documents to be submitted by the Company or Partnership firm : o Submission of the individual proposal form & Keyman questionnaire (Annexure B&C) duly filled in. o Board Resolution from the authorised official of the Company / Employer identifying a person as Keyman and the Employer would pay the premiums (annexure A). o Fulfilment of medical requirements, if any o Audited Directors report / Profit & Loss / Balance Sheet with schedules for the last 3 years. o Proof of Shareholding Pattern of the Company on Company letterhead. o Consent by the authorised signatory of Company for endorsement on KMI policy (annexure D). o Copies of Memorandum and Articles of Association o Copies of Partnership Deed. o Certification of Incorporation. o Certificate for Commencement of Business Keymen policies are high value policies, therefore final underwriting decision will be taken by reinsurance company. USP o Protect your Company from financial losses due to death of the Keyman, save tax in one contract. o Pure protection product with increasing SA @ % p.a. under our Keyman Insurance

SBI Life Smart Money back Insurance UIN: (111N082V01) CLASSIFICATION TURE OF THE PRODUCT Individual, non linked, with profit endowment assurance product 1. This is a Money back plan where in case the policyholder is alive at specific durations (end of policy years) during the policy term, a fixed percentage of the basic sum assured is paid to him as survival benefit in fixed number of instalments. 2. Vested (simple reversionary) bonus and terminal bonus if any, is paid only along with the final survival benefit instalment. 3. Guaranteed survival benefits of 1-12% of the Sum Assured paid till maturity. 4. The death benefit comprises full basic sum assured (without deducting any of the survival benefit instalments, if already paid before death) alongwith vested (simple reversionary) bonus and terminal bonus, if any.. Option to choose from three riders namely Preferred term Rider (UIN:111B014V01), Accidental Death benefit rider (UIN:111B0V01), Accidental Total and Permanent Disability rider (UIN:111B016V01). The survival benefits are as follows: Options / Policy year end Survival Benefit Installments ( % of Basic Sum Assured) Total (% of Basic Sum Assured) 4 8 12 20 2 1 20% 2% 6% 1% 2 20% 2% 70% 1% 3 % 20% 30% 60% 120% 4 % % % 30% 60% 12% AGE AT ENTRY MATURITY AGE POLICY TERM Minimum: 14 years (as on last birthday) Maximum: 8 years (as on last birthday) Maximum: 70 years (as on last birthday) 12 years to 2 years (both inclusive) Eligibility criteria Term Option1: 12 Option 2: Option 3: 20 Option years years years years Minimum age at entry 14 14 14 14 Maximum age at entry 8 0 4 SUM ASSURED Min: Rs. 7,000 Max: No Limit MINIMUM/ MAXIMUM PREMIUM PREMIUM MODE Premium Mode Minimum (in Rs.) Maximum (in Rs.) Yearly 4,00 ( in multiples of 0) No Limit Half Yearly 2,400 ( in multiples of 0) No Limit Quarterly 1,200 ( in multiples of 0) No Limit Monthly 400 ( in multiples of 0) No Limit Yearly/Half Yearly/Quarterly/Monthly* *Monthly premium frequency will be accepted if payment is made by Electronic Clearing System (ECS), Salary Savings Scheme or Standing Instructions (where payment is made either by direct debit of bank account or credit card). Products & Marketing Feature Summary Banca V 1.0

MATURITY BENEFIT DEATH BENEFIT SURRENDER BENEFIT PAID UP VALUE GRACE PERIOD REVIVAL COMMISSIONS STAFF DISCOUNT NOMITION & ASSIGNMENT TAX BENEFITS EXCLUSIONS FREE LOOK PERIOD On maturity, Final survival benefit instalment + Vested simple reversionary bonus + terminal bonus, if any is paid Full basic sum assured (without deducting any of the survival benefit instalments, if already paid before death) alongwith vested (simple reversionary) bonus and terminal bonus, if any. The bonus is calculated on the full basic sum assured. 1. The policy acquires paid-up value and/or surrender value only if at least 3 full policy years premiums have been paid and 3 full policy years have been elapsed 2. If premiums have been paid for first 3 policy years and thereafter premiums are not paid within the grace period, the policy will be treated as paid-up. 3. On surrender the paid up value will be paid. Paid-up Benefits: If premiums have been paid for first 3 policy years & thereafter premiums are not paid within the grace period, the policy will be treated as paid-up The sum assured will be reduced based on the Paid-up Sum Assured Factors For eg. If option 1 is chosen and premium is paid for years then the factor is 23, so the paid up value for sum assured of Rs. 1,00,000 is (Factor * sum assured)/00 = (23 * 0000)/00 = Rs. 23,00. The appendix 1 giving the paid up sum assured factors is given at the end of the document. A grace period of 30 days - Yearly, Half-yearly & Quarterly mode of premium payment A grace period of days monthly mode. The policy may be reinstated for full benefits within three years from the date of the first unpaid premium. Commission Rate (expressed as a % of Premium) Option/ Year 1 Year 2 Year 3 Year 4+ Premium Term 1 20% % % 2.% 2 2% 7.% % 2.% 3 30% 7.% % 2.% 4 30% 7.% % 2.% A discount of 1% of tabular premium will be paid to Bancassurance staff. Please Note: The renewal commission will be paid from 2 nd year. Provided the policyholder is the life assured, he / she may, at any time before the policy matures for payment, nominate a person or persons to receive the policy benefits in the event of his / her death. Assignment is allowed. U/s 80C of the Income Tax Act 1961 on the premiums paid. U/s (D) of the Income Tax Act 1961 on the maturity / death surrender proceeds under the policy. Suicide Exclusion: If the life assured commits suicide within one year from the risk commencement date or reinstatement date if reinstated, whether sane or insane at that time, the policy will be void and no claim will be payable. However, an amount may be payable on ex-gratia basis depending upon the merit of the case. This plan offers a day free look period. Products & Marketing Feature Summary Banca V 1.0

Appendix I Option I Option II Option III Option IV Number of years of premium paid Paid up Sum Assured Factors Paid up Sum Assured Factors Paid up Sum Assured Factors Paid up Sum Assured Factors 1 2 3 313 268 219 194 4 169 340 280 249 23 169 186 128 6 327 219 224 162 7 42 273 266 2 8 287 326 298 23 9 39 390 31 291 429 228 19 196 11 44 3 232 229 12 379 270 263 13 478 3 287 14 604 392 312 200 209 16 22 233 17 341 286 18 416 360 19 30 379 20 201 21 281 22 367 23 464 24 73 2 Products & Marketing Feature Summary Banca V 1.0

Shubh Nivesh One Pager Shubh Nivesh - Happiness Hamesha A multiple benefit plan, which provides for wealth creation, protection, regular income and wealth transfer. It is a perfect gift for you and your loved ones. Plan At A Glance Key Benefits Entry Age 18 yrs 60 yrs Multiple Options: Options to choose from Endowment Assurance OR Whole Life Policy Term 30 years (Endowment) Endowment. Deferred Maturity Option to Max 6 yrs (Endowment) Maturity receive Sum Assured in installments Age 0 yrs for extended Whole Life PPT Deferrement Options Min. Premium Max. Premium Sum Assured Endowment Assurance Endowment Assurance + Deferred Whole Life Endowment Whole Life Endowment + Deferred Regular & Single ///20 yrs RP: Rs. 6000 / SP: Based on Min SA No Limit Min: Rs.7000 / Max: No Limit Benefit Options Death / Maturity: Sum Assured + Bonus Maturity: Bonus Paid as Lump Sum + SA paid in installments Death: 1. SA + bonus during Endowment Term 2. Remaining installments paid to nomine Maturity: 1. Sum Assured + Bonus 2. Additional SA paid at age 0 Death: 1. SA + Bonus during Endowment Term 2. SA during Whole Life Term Maturity: 1. Bonus paid as lump sum + Sa paid in installments 2. Additional SA paid at age 0 Death: 1. SA + Bonus during Endowment Term 2. SA during Whole Life Term + nominee received remaining installments Guaranteed Maturity: SA guaranteed at maturity along with accumulated bonus Plan Your Dreams: Lump sum or deferred maturity payouts help you plan your objectives like creating an asset, child s education/marriage, retirement etc. Additional Risk Cover: Increase your risk cover with enhanced rider benefits Tax Benefits: Under Sec 80 C and Sec () D as per the applicable Tax rules Liquidity During Emergency: Availability of Guaranteed Surrender Value & Loans on your policy High Sum Assured Rebate (Per 00 of SA Sum Assured RS.7 k to < Rs.1. lacs Single Premium Regular Premium Rs.1. lacs to < Rs.3 lacs NIL NIL Rs.3 lacs to < Rs.6 lacs Rs.2.2 Rs.4.0 Rs.6 lacs plus Rs.4.0 Rs.6.00 Rs.9.00 Rs.12.00 The Power of Triple Fayda Savings, Income & Protection SBILA//009/09/PRD/D, Version 1

Smart Income Protect UIN: 111N08V01 Premium Table Ready Reckoner Premium Frequency - Yearly: Premium Frequency Loading: Half Yearly: 2% of Annual Premium Quarterly: 26.% of Annual Premium Monthly: 8.9% of Annual Premium # 1 Lakh 3 Lakh Lakh 8 12,772 8,272 37,234 23,734 61,02 38,2 9 12,77 8,277 37,243 23,746 61,040 38,46 12,780 8,280 37,2 23,76 61,061 38,61 11 12,784 8,284 37,268 23,768 61,081 38,82 12 12,788 8,288 37,280 23,780 61,2 38,603 13 26,16 12,791 8,292 77,411 37,289 23,793 127,987 61,117 38,623 14 26,169 12,794 8,29 77,423 37,298 23,802 128,007 61,133 38,639 26,172 12,796 8,298 77,432 37,30 23,811 128,023 61,143 38,64 16 26,174 12,799 8,300 77,439 37,314 23,817 128,033 61,9 38,664 17 26,177 12,801 8,303 77,448 37,320 23,827 128,049 61,169 38,680 18 26,179 12,804 8,306 77,44 37,329 23,836 128,09 61,184 38,69 19 26,181 12,806 8,3 77,460 37,336 23,84 128,069 61,19 38,711 20 26,183 12,808 8,313 77,466 37,342 23,84 128,080 61,20 38,726 21 26,18 12,811 8,316 77,473 37,31 23,864 128,090 61,220 38,742 22 26,187 12,814 8,319 77,479 37,37 23,873 128,0 61,231 38,77 23 26,189 12,817 8,322 77,48 37,367 23,882 128,1 61,246 38,773 24 26,192 12,820 8,32 77,491 37,376 23,892 128,121 61,262 38,788 2 26,19 12,823 8,329 77,00 37,38 23,904 128,136 61,277 38,809 26 26,198 12,826 8,334 77, 37,394 23,919 128,2 61,293 38,83 27 26,202 12,830 8,339 77,22 37,407 23,93 128,172 61,313 38,860 28 26,206 12,83 8,346 77,34 37,422 23,93 128,193 61,339 38,891 29 26,211 12,840 8,33 77,0 37,438 23,97 128,219 61,36 38,927 30 26,217 12,847 8,362 77,69 37,46 24,003 128,20 61,396 38,974 31 26,226 12,8 8,372 77,93 37,481 24,034 128,291 61,437 39,02 32 26,23 12,864 8,38 77,621 37,09 24,071 128,337 61,483 39,087 33 26,24 12,87 8,398 77,62 37,43 24,111 128,389 61,40 39,4 34 26,28 12,889 8,413 77,689 37,83 24,4 128,41 61,607 39,226 - Not available for combination Toll Free No.: 1800 22 9090 Visit us at: www.sbilife.co.in SMS - CELEBRATE to 6161 E-mail: info@sbilife.co.in Note: The premium as stated above is inclusive of Service Tax (Current rate for Service Tax is 3.09% applicable for first year premium only, from 2nd year onwards service tax will be 1.4%) The premium as stated above is inclusive of High Sum Assured rebate The above premium is based on specific Term/Sum Assured These rates are indicative premium, some fractional changes can occur due to error in rounding up Incase of Sum assured upto Rs. 1.99 lacs refer to Rs. 1 lac slab, Rs. 2.00-4.99 lacs refer the Rs. 3 lacs slab and for sum assured of Rs. lacs and above refer to the Rs. lac slab For e.g. to calculate premium for age 20 yrs, term yrs and sum assured Rs. 2. lacs, refer the applicable premium for Rs. 3 lacs, for same age/term. The premium for Rs. 2. lacs will be (2384*2./3)= Rs. 19878.33= Rs. 19879 For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. SBI Life Insurance Co. Ltd. IRDA Regn No. 111 Registered & Corporate Office : Natraj, M.V. Road & Western Express Highway Junction, Andheri (East), Mumbai - 400 069. Insurance is the subject matter of solicitation. 17.ver.03-03/12 PRR For Internal Circulation Only Sum Assured Policy Term (Years) / Age last birthday (Years)

Smart Income Protect UIN: 111N08V01 Premium Table Ready Reckoner Premium Frequency - Yearly: Premium Frequency Loading: Half Yearly: 2% of Annual Premium Quarterly: 26.% of Annual Premium Monthly: 8.9% of Annual Premium 3 26,272 36 # 1 Lakh 3 Lakh Lakh 12,903 8,430 77,732 37,626 24,207 128,23 61,679 39,314 26,287 12,920 8,448 77,779 37,676 24,260 128,600 61,762 39,401 37 26,30 12,937 8,468 77,831 37,728 24,321 128,688 61,849 39,0 38 26,326 12,97 8,491 77,893 37,787 24,390 128,791 61,947 39,618 39 26,348 12,979 8, 77,961 37,82 24,461 128,904 62,06 39,737 40 26,373 13,002 8,43 78,036 37,923 24,44 129,028 62,174 39,876 41 26,401 13,027 8,71 78,119 37,997 24,631 129,167 62,298 40,020 42 26,430 13,0 8,604 78,206 38,081 24,730 129,311 62,437 40,18 43 26,463 13,086 8,642 78,30 38,174 24,841 129,476 62,92 40,371 44 26,499 13,121 8,683 78,413 38,279 24,96 129,67 62,767 40,77 4 26,39 13,9 8,729 78,33 38,393 2,4 129,88 62,98 40,809 46 26,83 13,201 8,780 78,666 38,20 2,2 130,079 63,169 41,061 47 26,632 13,248 8,834 78,812 38,69 2,419 130,322 63,401 41,334 48 26,683 13,299 8,894 78,966 38,814 2,99 130,79 63,69 41,633 49 26,740 13,36 8,98 79,137 38,984 2,791 130,863 63,942 41,93 0 26,801 13,418 9,026 79,319 39,170 2,99 131,167 64,21 42,293 1 26,867 13,484 79,17 39,367 131,497 64,81 2 26,938 13,6 79,730 39,84 131,83 64,942 3 27,017 13,632 79,968 39,813 132,20 6,323 4 27, 13,716 80,231 40,063 132,688 6,741 27,200 13,804 80,16 40,329 133,162 66,184 6 27,302 80,822 133,672 7 27,411 81,0 134,219 8 27,32 81,12 134,822 9 27,667 81,917 13,497 60 27,816 82,36 136,244 - Not available for combination Toll Free No.: 1800 22 9090 Visit us at: www.sbilife.co.in SMS - CELEBRATE to 6161 E-mail: info@sbilife.co.in Note: The premium as stated above is inclusive of Service Tax (Current rate for Service Tax is 3.09% applicable for first year premium only, from 2nd year onwards service tax will be 1.4%) The premium as stated above is inclusive of High Sum Assured rebate The above premium is based on specific Term/Sum Assured These rates are indicative premium, some fractional changes can occur due to error in rounding up Incase of Sum assured upto Rs. 1.99 lacs refer to Rs. 1 lac slab, Rs. 2.00-4.99 lacs refer the Rs. 3 lacs slab and for sum assured of Rs. lacs and above refer to the Rs. lac slab For e.g. to calculate premium for age 20 yrs, term yrs and sum assured Rs. 2. lacs, refer the applicable premium for Rs. 3 lacs, for same age/term. The premium for Rs. 2. lacs will be (2384*2./3)= Rs. 19878.33= Rs. 19879 For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. SBI Life Insurance Co. Ltd. IRDA Regn No. 111 Registered & Corporate Office : Natraj, M.V. Road & Western Express Highway Junction, Andheri (East), Mumbai - 400 069. Insurance is the subject matter of solicitation. 17.ver.03-03/12 PRR For Internal Circulation Only Sum Assured Policy Term (Years) / Age last birthday (Years)

SBI Life Scholar II Plan SBI Life Scholar II, a traditional participating plan, designed to protect your child s future educational needs. A unique plan that gives you a guaranteed benefit that are payable at regular intervals during the term of the policy. Entry Age Policy Term Premium Mode Max. Age at Maturity Sum Assured Premium Paying Term Survival Benefit Death Benefit Min: Plan at a Glance (18 years fo r parents / guardians) & (For Child it is 0 years) Max: (60 years for parents / guardians) & (For Child i t is years) Min: 6 years Single, Yearly, Half Yearly, Quarterly & Monthly 70 years ( for parents / guardians) Min: Rs. 0,000 Max: 21 years Max: Rs. 1 Crore Depends on the age of the child & ends when the child turns 18 years Minimum: 3 years Maximum: 18 years 2% of SA is payable every year when the child attains age 18, 19 & 20 years of age. At age 21, 2% of SA + Vested Bonus is also payable Sum Assured along with the Vested Bonus is paid to the nominee All future basic premiums need not to be paid, if any In addition to the above, Guaranteed Survival Benefits as per the original schedule are payable to the nominee Key Benefits Twin objective saving for child s education and securing a bright future despite the uncertainties of life Guaranteed Benefits payable at regular intervals when the child attains 18 years of age In an unfortunate event, nominee will receive full Sum Assured along with Vested Bonus plus the guaranteed benefits as per the original schedule Inbuilt Premium Waiver takes care of your child s future in case of an unfortunate event like death Additional protection by attaching riders Tax benefits u/s 80 D of I.T. Act by attaching Critical Illness rider** Tax benefits u/s 80C & (D) of the I.T. Act** **As per current Tax provisions Riders Accidental Death and Accidental Total Permanent Disability Premium Waiver Benefit Critical Illness Strictly for Internal Use only