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Swarna Vriksha Key Features

• Accumulate Gold with free Risk coverage - Accumulate Gold Grams periodically with free Risk Coverage. • Purity – Collect 99.99% purity 24 Karat Swiss Gold Coins in fractional grams while redemption

• Flexibility – Multiple payments in a month can be made during the tenure of the product. • Refund of Service Charge – Refund of Service Charge in the form of Loyalty Reward on successful completion

of the tenure. All Loyalty Reward will be given in the form of Gold grams. • Multiple payment mode – Cash / Cheque / DD

Features of the Plan:-

Brought to you by Surat Diamond Jewellery Pvt. Ltd. Logistics Associate Reliance Infrastructure Finance Pvt. Ltd. (Reliance Money)

Tenure of The Plan

3 years - (36 months) 5 years – (60 months) 7 years – (84 months) 10 years – (120 months)

Age There is no age limit Eligibility Only resident Indian Individuals Eligibility for Risk Cover Age 18 - 44 as per the next Birthday and also subject to fulfillment of other

conditions Payment Mode Cash / Cheque / DD Maximum Monthly Committed Advance amount Unlimited

Minimum Monthly Committed Advance amount Rs 500/- per month and in multiples of Rs 500/- thereafter

36 monthly advances

60 monthly advances

84 monthly advances

120 monthly advances Loyalty Reward

3% 5% 5% 5%

Lock – in – period 12 months (customer cannot redeem the Gold Coins before completion of the Lock-in period.

Maximum Risk Coverage Up to Rs. 10 lakhs Gold Coins denomination 0.5gm / 1gm / 5 gm / 8 gm / 10 gm

Tenure 36 monthly advances

60 monthly advances

84 monthly advances

120 monthly advances

Service Charges % as per Tenure to be divided equally in

First six advances with committed amount

Service Charge % 3% 5% 5% 5%

Terms & Conditions:

• The customer cannot change the Monthly Committed Advance amount from the tenure & value which was selected at the time of registration. However any payment for the first six advances must be equal to the Monthly Committed advances only. After the first six monthly committed advances are paid for, the customer has the option to make all further payments subject to minimum amount of Rs. 500/- and in multiples of Rs. 500/- thereafter. A customer may pay more than one advances at a time.

• The customer has to pay the entire Service Charge separately with the First 6 installments/ advances. Service charge has to be paid at the rate of 1/6th of the total payable service charge with the first six installments.

• 1% Loyalty reward will be paid after completion of 4th year in the case where tenure of the plan is more than 3 years. i.e. after completion of 4 years (3 + 1) = 4% loyalty reward will be given.

• Loyalty reward will be lapsed if the Cumulative Monthly Advance Amount falls due by more than 2 months in any calendar year during the chosen tenure.

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• Calculation of Loyalty Reward will be eligible on the cumulative advance payment realized or Monthly Committed Advance amount multiplied by the months since inception whichever is lower upon successful completion of the tenure.

• For any single cash payment of Rs.50000/- or more, PAN Card is mandatory. PAN card is also mandatory if total cumulative amount crosses Rs. 5 Lacs anytime during the tenure.

• No outstation cheques will be accepted. Cheque / DD should be in favour of “Surat Diamond Jewellery Pvt. Ltd.” and should be of local clearing.

• For minor the guardian details and KYC documents (such as id proof and address proof) of guardian are mandatory.

• Only Indian resident can invest into this Plan and need to have a valid KYC as per the KYC requirements.

• Vernacular declaration is required if the customer signs in Vernacular language or puts Thumb impression in the application form.

• System generated Advance receipt from the System of the Company will be given to the Customer on every purchase of gold. The receipt will show the details of the Gold grams credited to the Customer account. Applicable taxes will be deducted at the time of placing redemption request.

• Only Cash and DD will be acceptable for Service Charge.

• On payment of advance amount, and upon the entry in the Company’s Gold Inventory System (the System), the Gold Grams shall be purchased by the company at the days’ prevailing rate of Gold in the system and shall be accumulated in their respective account.

• In the event the Customer pays the advance amount by way of Cheque / DD then the Gold grams will be credited to the customers account at the price prevailing in the system at the time of entry in the system.

• In case of Cheque / DD being returned by the bank, operational charges of 200/- will be levied and the Gold Grams credited will be reversed.

• The Price of Gold Coins offered by the company under this plan may be different from what is available in the open market or at any other retail outlets. The price at which the Gold Grams are purchased will be as detailed in the system generated Advance payment receipt issued by the Company to the Customer.

• IT IS UNDERSTOOD THAT PARTICIPATION IN THIS PLAN IS VOLUNTARY. THE COMPANY OFFERS NO INVESTMENT ADVICE OR ANY ASSURED RETURN WHILE PROMOTING THE PLAN.

• Loyalty Reward shall become payable only at the time of redemption as per the Gold Rate prevailing in the system at the time of redemption. No additional Loyalty Reward is applicable on Cumulative Advance Payments greater than Total Committed Advance which is calculated as Monthly Committed Advance multiplied by the Tenure in Months.

• Loyalty Reward Gold Grams will not be credited to the customer in case a claim is made under the said risk cover.

• This plan is offered by Surat Diamond Jewellery Pvt. Ltd.

• Delight Multi Services Private Limited neither holds any guarantee nor shall it be liable in any manner whatsoever for any deficiency or shortfall in service or for any issues or disputes connected with the Plan or the Risk Coverage or quality, purity, quantity of gold etc or any issue regarding delivery of gold coin. The Customer under this Plan hereby acknowledges that the Company will be directly responsible for all matters connected with the said plan including Risk Coverage.

• The term “Company” as and where appearing herein shall mean and Imply “Surat Diamond Jewellery Pvt. Ltd.”

• ALL THE TERMS AND CONDITIONS STIPULATED IN THE APPLICATION FORM SHALL BE BINDING UPON THE CUSTOMERS.

• Loyalty Reward Calculation

o Cumulative Monthly Committed Amount x Loyalty Reward % for completion of chosen tenure

For e.g. Monthly Committed Amount = Rs. 500/- Tenure = 60 months Cumulative Monthly Committed amount = Rs. 500 x 60 = Rs =30000/-

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Loyalty Reward % for Tenure of 60 months = Rs 5% Therefore Loyalty Reward at the end of 60 months = Rs. 1500/-

Or o Monthly Committed Amount x Months since Inception x Loyalty Reward% whichever is

lower without completion of chosen tenure but greater than 3 years

For e.g. Monthly Committed Amount = Rs. 500/- Tenure = 60 months Cumulative Monthly Committed amount = Rs. 500 x 60 = Rs =30000/- Loyalty Reward % for Tenure of 60 months = Rs 5% But customer paid Committed Amount for 57 months, Hence the customer has completed payments for (4 years) So Loyalty reward payable at the end of 57 months = (Rs. 500 x 57 x 4%) = Rs. 1140/-

o Cumulative Monthly Committed Amount x Loyalty Reward % for completion of chosen tenure

For e.g. Monthly Committed Amount = Rs. 500/- Tenure = 60 months Cumulative Monthly Committed amount = Rs. 500 x 60 = Rs =30000/- But customer paid Rs. 32000/- Loyalty Reward % for Tenure of 60 months = Rs 5% Therefore Loyalty Reward at the end of 60 months (500 x 60 x 5%) = Rs. 1500/- So, while calculating the Loyalty Reward, the excess amount paid by the customer amounting to Rs. 2000/- will not be taken into consideration.

• Redemption Process:

• Redemption is not possible before the completion of Lock-in period save and except in case of a valid Life Risk claim.

• Redemption to happen from select Branch locations by 15th of next month for all redemption requests placed during the previous calendar month.

• Customer has to submit a written redemption request.

• Once the customer has placed a redemption request, the Company will not accept any changes thereafter

• At the time of redemption request Customer will be given the option to select the branches from where he can make the physical redemption of gold coins. Physical redemption of Gold coins will only happen at the branch selected by the Customer at the time of redemption request subject to realization of Cheque/DD.

• Redemption of gold grams accumulated will be in the following denominations only – 0.5g, 1g, 5g, 8g and 10g.

• Cheque / DD should be in favour of “Surat Diamond Jewellery Pvt. Ltd.”. Cheque / DD and should be of local clearing.

• At the time of placing redemption request, Customer will have to pay cash or issue a DD (subject to realization) towards rounding-off accumulated gram to the nearest 0.5 gram along with the applicable taxes on the Gold Coins redeemed at the then prevailing price in the system.

• Customer shall produce original and valid proof of identity along with redemption receipt at the time of accepting delivery. Delivery will not be made to any other person acting or purporting to act on behalf of the Customer. However, in the event of death or permanent disability of the customer, the nominees or a guardian (in case the nominee being a minor) can take delivery of accumulated Gold Coins under the plan,. In such cases, the nominee/guardian/appointee, as the case may be, needs to provide proof of identity bearing his/her signature. Photo ID proof and the death certificate / disability of the Customer, as applicable. The nominee under this plan will be the person earlier nominated by the Customer

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Risk Coverage:

A complementary risk cover is provided to take care of pending Swarna Vriksh Advance Payment in case of untimely demise of the Customer during the selected tenure, subject to fulfillment of all other conditions.

• Risk Cover becomes effective subject to acceptance and satisfaction in all respect of the Personal Declaration Form by Reliance Life Insurance Co. Ltd.

• Risk Coverage becomes effective after paying 12 times Monthly Committed Amount.

• The Risk Coverage will be eligible on pending Monthly Committed Amounts as per the Tenure chosen under Group Term Assurance Policy by Reliance Life Insurance Co. Ltd.

• Risk coverage will be lapsed if the Cumulative Monthly Installment Amount falls due by more than 2 months at any point of time during the chosen tenure.

• No claim will be payable for normal death (except for death due to accident) occurring within 90 days from the Risk effective date.

• In case of pre-existing disease the customer will not come under Risk Coverage

• The Customer or the nominee can not claim the benefit of the said Risk Coverage in case the death of the customer happens due to suicide, death due to pre-existing conditions (disease).

• The Risk Coverage will be lapsed at the end of the term or with the client attaining 60 years of age whichever is earlier.

• The Risk cover will cease if the cumulative advance payments of the customer become greater than the Total Committed Advance before the completion of the tenure. The Total Committed Advance is calculated as the Monthly Committed multiplied by the Tenure in months.

• The Risk Coverage cannot be renewed in any case if the same is terminated / lapsed due to any reason.

• In case of death of the customer the nominee has to inform to Reliance Life Insurance Co. Ltd. within 3 months from the date of death. If the claim is filed after 3 months of death of customer the same shall be subject to investigation by Reliance Life Insurance Co. Ltd.

• All claims will be settled by Reliance Life Insurance Co. Ltd. and the same shall be subject to Coverage of Risk (COR).

• While settling a claim under the Risk Coverage, customer will be given equivalent gold grams as per the prevailing rate of Gold in the system at the time of placing redemption request.

Application related Documents Swarna Vriksha Application Form Vernacular Declaration Form for Vernacular Signature or Thumb Impression Simple Health Declaration Form, Nominee ID Proof for Risk Coverage. In case Nominee is a minor then ID Proof of Appointee is compulsory.

KYC Documents In case of Nominee only ID Proof is required. In case Applicant/Nominee is a Guardian then Guardian KYC should be given. KYC Document Name Age

Proof ID

Proof Address

Proof Admit Card √ Municipal Birth Certificate √ Passport √ √ √ Voter ID Card √ √ √ PAN Card √ √ Valid Driving License (Learners License not accepted) √ √ √ Postal ID Card √ Domicile Certificate with photograph issued by Municipal Corporation / Local Self Government / Local Govt. Authority

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Gram Panchayat Certificate in original letter head where DOB or AGE should be mentioned with photo duly attested by Panchayat Pradhan

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Ration Card √ √ Pension payment order / Book / Card issued by State / Central Government of India √ √ LICI policy document where age should be mentioned √ Freedom fighter’s pass with photograph issued by Ministry with Home Affairs √ √ Pension order of self √ LPG Gas connection bill not older than 6 months where investor name and current photograph attested by the Authority is present

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Arms License √ √ Government of India, Identity Card with photograph issued by Jammu and Kashmir √ √ Photo Social Security Card (Smart Card) issued by Central / State Govt. or Union Territories √ √ Aadhar ID (UID) √ √ √ Employee identity card where DOB is mentioned issued by Central Govt. / State Govt. / Municipal authorities / PSU / Reputed Private company for their employees

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Provident fund statement issued by the employers in case of PSU employees √ Service extract with age, Address and Identity on Letter Head in case of Central Govt. / State Govt. / Municipal / PSU / Reputed organizations and companies

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Baptism Certificate / Marriage in case of Roman Catholic √ School / College Certificate, Board University Admit Card / Hall ticket / Board Mark sheet , Transfer Certificate issue by the School, college in a authorized format duly signed and seal by the authority

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Identity card issued by defence department / State Govt. / Central Govt. / Ex-service man identity card

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Defence Dependence Card issued by Ministry of Defence √ √ Ex-Service Man Card √ √ Bar Council / Indian Medical association / Senior Citizen Card √ √ Marriage Certificate issued by Registrar of Marriage with recent photographs should be present and duly attested by the Registrar

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Written confirmation from the Bank of the prospect or Bank Account Statement not older than 6 months with current photograph duly attested by the banker

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Current employer certificate / ID Card issued by current employer √ Telephone Bill and Mobile bill (last 6 months) √ Electricity Bill (last 6 months) √ Registered Lease / Sale Agreement of residence (last 6 months) √ Bank Statement (last 6 months) √ Gas Bill (last 6 months) √ Current employer certificate / ID Card with address issued by current employer √ Property allotment letter by the builder √ Post office saving pass book √ Residential certificate issued by Municipal Corporation √ House / property tax assessment / paid receipt / challan for the latest assessment year √ Registration certificate of vehicles √ PAN confirmation letter issued by Income tax department along with the copy of PAN Card √ Credit card statement where investor is a primary holder √