Date : 19/03/2012

Mr. Deepak D AmesarBlock No 70-5, Hindustan Chowk, Mulund Colony, Mulund (w),Mumbai, Pin:400082 Dear Deepak Ji, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 Mrs. Sapna D Amesar Ms. Vikita D Amesar Ms. Karishma D Amesar Jeevan Vriddhi Age 49 22 16 Premium 100000 100000 100000 S.Tax 1545 1545 1545 Total 101545 101545 101545 Maturity 188019 226356 227336 Yield 6.35 % 8.35 % 8.39 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 7.08 % 9.31 % 9.35 % 20.6% 8.00 % 10.52 % 10.57 % 30.9% 9.19 % 12.08 % 12.14 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 80 CCE not available 6.35 % 8.35 % 8.39 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 8.79 % 10.83 % 10.88 % 80 CCE Saving @ 30.9% 10.28 % 12.35 % 12.40 % 80 CCE Saving @ 10.3% 7.50 % 9.51 % 9.56 %

Sr. No. Name 1 2 3 Mrs. Sapna D Amesar Ms. Vikita D Amesar Ms. Karishma D Amesar

Age 49 22 16

Premium 100000 100000 100000

Total 101545 101545 101545

Maturity 188019 226356 227336

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. LDA

Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 Kum. HDA Jeevan Vriddhi Age 30 Premium 100000 S.Tax 1545 Total 101545 Maturity 224983 Yield 8.28 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 9.23 % 20.6% 10.43 % 30.9% 11.98 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 80 CCE not available 8.28 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.76 % 80 CCE Saving @ 30.9% 12.28 % 80 CCE Saving @ 10.3% 9.44 %

Sr. No. Name 1 Kum. HDA

Age 30

Premium 100000

Total 101545

Maturity 224983

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Manohar B AilsinghaniBlock No. 34-2, Powai Chowk, Mulund Colony, Mulund West,Mumbai, Pin:400082 Radha Soami Manu, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 4 5 6 Mr. Manohar B Ailsinghani Mrs. Bharti M Ailsinghani Ms. Poonam M Ailsinghani Mr. Vijaydeep Ailsinghani Mast Ajay M Ailsinghani Mr. Sv. Manohar Jeevan Vriddhi Age 50 48 26 25 24 50 Premium 100000 100000 100000 100000 100000 100000 S.Tax 1545 1545 1545 1545 1545 1545 Total 101545 101545 101545 101545 101545 101545 Maturity 183344 192347 225945 226066 226171 183344 Yield 6.09 % 6.60 % 8.33 % 8.33 % 8.34 % 6.09 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 6.79 % 7.36 % 9.29 % 9.29 % 9.30 % 6.79 % 20.6% 7.67 % 8.31 % 10.49 % 10.49 % 10.50 % 7.67 % 30.9% 8.81 % 9.55 % 12.05 % 12.05 % 12.07 % 8.81 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 1545 1545 1545 80 CCE not available 6.09 % 6.60 % 8.33 % 8.33 % 8.34 % 6.09 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 8.52 % 9.04 % 10.81 % 10.82 % 10.82 % 8.52 % 80 CCE Saving @ 30.9% 10.01 % 10.54 % 12.33 % 12.34 % 12.34 % 10.01 % 80 CCE Saving @ 10.3% 7.23 % 7.74 % 9.49 % 9.50 % 9.50 % 7.23 %

Sr. No. Name 1 2 3 4 5 6 Mr. Manohar B Ailsinghani Mrs. Bharti M Ailsinghani Ms. Poonam M Ailsinghani Mr. Vijaydeep Ailsinghani Mast Ajay M Ailsinghani Mr. Sv. Manohar

Age 50 48 26 25 24 50

Premium 100000 100000 100000 100000 100000 100000

Total 101545 101545 101545 101545 101545 101545

Maturity 183344 192347 225945 226066 226171 183344

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Dhanesh Alag/(Shammi)71/6 Hindustan Chowk, Mulund Colony, Mulund West, Mumbai, Pin:400082 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 Mrs. Nita D Alag Ms. Heer D Alag Mast Punit D/Shammi Alag Jeevan Vriddhi Age 46 29 27 Premium 100000 100000 100000 S.Tax 1545 1545 1545 Total 101545 101545 101545 Maturity 200064 225325 225789 Yield 7.02 % 8.30 % 8.32 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 7.83 % 9.25 % 9.28 % 20.6% 8.84 % 10.45 % 10.48 % 30.9% 10.16 % 12.01 % 12.04 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 80 CCE not available 7.02 % 8.30 % 8.32 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 9.47 % 10.78 % 10.80 % 80 CCE Saving @ 30.9% 10.97 % 12.30 % 12.32 % 80 CCE Saving @ 10.3% 8.17 % 9.46 % 9.48 %

Sr. No. Name 1 2 3 Mrs. Nita D Alag Ms. Heer D Alag Mast Punit D/Shammi Alag

Age 46 29 27

Premium 100000 100000 100000

Total 101545 101545 101545

Maturity 200064 225325 225789

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Phillipe AbrahimChand Barsha Chawl, Near Shakti Farsen, Ragore Nagar Group No.5, Vikhroli East, Mumbai, Pin:400083 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 Mr. P A Mrs. Jolly Jeevan Vriddhi Age 50 42 Premium 100000 100000 S.Tax 1545 1545 Total 101545 101545 Maturity 183344 211350 Yield 6.09 % 7.61 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 6.79 % 8.48 % 20.6% 7.67 % 9.58 % 30.9% 8.81 % 11.01 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 80 CCE not available 6.09 % 7.61 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 8.52 % 10.07 % 80 CCE Saving @ 30.9% 10.01 % 11.58 % 80 CCE Saving @ 10.3% 7.23 % 8.76 %

Sr. No. Name 1 2 Mr. P A Mrs. Jolly

Age 50 42

Premium 100000 100000

Total 101545 101545

Maturity 183344 211350

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Jagdish AswaniFlat No.E/317, Lok Angan, Mulund Colony, Mulund (w), Pin:400080 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 4 Mr. Jagdish A Mrs. Disha J Aswani Ms. Priyanka J Aswani Mast Tarun J Aswani Jeevan Vriddhi Age 42 42 13 10 Premium 100000 100000 100000 100000 S.Tax 1545 1545 1545 1545 Total 101545 101545 101545 101545 Maturity 211350 211350 228147 229334 Yield 7.61 % 7.61 % 8.43 % 8.49 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 8.48 % 8.48 % 9.40 % 9.46 % 20.6% 9.58 % 9.58 % 10.62 % 10.69 % 30.9% 11.01 % 11.01 % 12.20 % 12.29 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 1545 80 CCE not available 7.61 % 7.61 % 8.43 % 8.49 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.07 % 10.07 % 10.92 % 10.98 % 80 CCE Saving @ 30.9% 11.58 % 11.58 % 12.44 % 12.50 % 80 CCE Saving @ 10.3% 8.76 % 8.76 % 9.60 % 9.65 %

Sr. No. Name 1 2 3 4 Mr. Jagdish A Mrs. Disha J Aswani Ms. Priyanka J Aswani Mast Tarun J Aswani

Age 42 42 13 10

Premium 100000 100000 100000 100000

Total 101545 101545 101545 101545

Maturity 211350 211350 228147 229334

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Gopal Bhajanlal AhujaShop No 118, Mulund Colony, Main Road, Mumbai, Pin:400082 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 Mr. Gopal Bhajanlal Ahuja Jeevan Vriddhi Age 43 Premium 100000 S.Tax 1545 Total 101545 Maturity 209027 Yield 7.49 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 8.35 % 20.6% 9.43 % 30.9% 10.84 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 80 CCE not available 7.49 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 9.95 % 80 CCE Saving @ 30.9% 11.46 % 80 CCE Saving @ 10.3% 8.64 %

Sr. No. Name 1 Mr. Gopal Bhajanlal Ahuja

Age 43

Premium 100000

Total 101545

Maturity 209027

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Kiran R AyaBimal Mehta & Associate, 3/4, Bhaveshwar Complex, Vidya Vihar West, Mumbai, Pin:400086 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 4 Mr. Kiran R Aya Mrs. Sangeeta K Aya Mast Anish K Aya Ms. Marisha Kiran Aya Jeevan Vriddhi Age 50 47 22 17 Premium 100000 100000 100000 100000 S.Tax 1545 1545 1545 1545 Total 101545 101545 101545 101545 Maturity 183344 196379 226356 227115 Yield 6.09 % 6.82 % 8.35 % 8.38 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 6.79 % 7.60 % 9.31 % 9.34 % 20.6% 7.67 % 8.59 % 10.52 % 10.55 % 30.9% 8.81 % 9.87 % 12.08 % 12.13 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 1545 80 CCE not available 6.09 % 6.82 % 8.35 % 8.38 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 8.52 % 9.27 % 10.83 % 10.87 % 80 CCE Saving @ 30.9% 10.01 % 10.76 % 12.35 % 12.39 % 80 CCE Saving @ 10.3% 7.23 % 7.97 % 9.51 % 9.55 %

Sr. No. Name 1 2 3 4 Mr. Kiran R Aya Mrs. Sangeeta K Aya Mast Anish K Aya Ms. Marisha Kiran Aya

Age 50 47 22 17

Premium 100000 100000 100000 100000

Total 101545 101545 101545 101545

Maturity 183344 196379 226356 227115

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Dilip K AnandR.no.7, Om Shakti Apart, Shivaji Nagar, Near Devidayal Nagar, Thane

Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 Mrs. Neha D Anand Mast Jitendra D Anand Ms. Priyanka D Anand Jeevan Vriddhi Age 45 25 21 Premium 100000 100000 100000 S.Tax 1545 1545 1545 Total 101545 101545 101545 Maturity 203396 226066 226466 Yield 7.19 % 8.33 % 8.35 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 8.02 % 9.29 % 9.31 % 20.6% 9.06 % 10.49 % 10.52 % 30.9% 10.41 % 12.05 % 12.08 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 80 CCE not available 7.19 % 8.33 % 8.35 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 9.65 % 10.82 % 10.84 % 80 CCE Saving @ 30.9% 11.15 % 12.34 % 12.35 % 80 CCE Saving @ 10.3% 8.35 % 9.50 % 9.52 %

Sr. No. Name 1 2 3 Mrs. Neha D Anand Mast Jitendra D Anand Ms. Priyanka D Anand

Age 45 25 21

Premium 100000 100000 100000

Total 101545 101545 101545

Maturity 203396 226066 226466

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Ganesh Manna AstoBlock No.137-229, Saraswati Chowk, Mulund Colony, Mulund West,Mumbai, Pin:400082 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 Mast Rahul Ganesh Asto Jeevan Vriddhi Age 17 Premium 100000 S.Tax 1545 Total 101545 Maturity 227115 Yield 8.38 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 9.34 % 20.6% 10.55 % 30.9% 12.13 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 80 CCE not available 8.38 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.87 % 80 CCE Saving @ 30.9% 12.39 % 80 CCE Saving @ 10.3% 9.55 %

Sr. No. Name 1 Mast Rahul Ganesh Asto

Age 17

Premium 100000

Total 101545

Maturity 227115

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Rakesh F AgarwalBlock No. 127-155/A;, Hindustan Chowk, Mulund Colony, Mumbai, Pin:400082 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 4 5 6 7 Mrs. Lalita R Agarwal Kr. Ishan R Agarwal Kr. Nikhil R Agarwal Mr. Mahesh F Agarwal Mrs. Vandana M Agarwal Mast Kunal Mahesh Agarwal Ms. Krishika M Agarwal Jeevan Vriddhi Age 49 24 19 43 38 13 11 Premium 100000 100000 100000 100000 100000 100000 100000 S.Tax 1545 1545 1545 1545 1545 1545 1545 Total 101545 101545 101545 101545 101545 101545 101545 Maturity 188019 226171 226744 209027 218268 228147 228917 Yield 6.35 % 8.34 % 8.36 % 7.49 % 7.95 % 8.43 % 8.47 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 7.08 % 9.30 % 9.32 % 8.35 % 8.86 % 9.40 % 9.44 % 20.6% 8.00 % 10.50 % 10.53 % 9.43 % 10.01 % 10.62 % 10.67 % 30.9% 9.19 % 12.07 % 12.10 % 10.84 % 11.51 % 12.20 % 12.26 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 1545 1545 1545 1545 80 CCE not available 6.35 % 8.34 % 8.36 % 7.49 % 7.95 % 8.43 % 8.47 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 8.79 % 10.82 % 10.85 % 9.95 % 10.43 % 10.92 % 10.96 % 80 CCE Saving @ 30.9% 10.28 % 12.34 % 12.37 % 11.46 % 11.94 % 12.44 % 12.48 % 80 CCE Saving @ 10.3% 7.50 % 9.50 % 9.53 % 8.64 % 9.11 % 9.60 % 9.63 %

Sr. No. Name 1 2 3 4 5 6 7 Mrs. Lalita R Agarwal Kr. Ishan R Agarwal Kr. Nikhil R Agarwal Mr. Mahesh F Agarwal Mrs. Vandana M Agarwal Mast Kunal Mahesh Agarwal Ms. Krishika M Agarwal

Age 49 24 19 43 38 13 11

Premium 100000 100000 100000 100000 100000 100000 100000

Total 101545 101545 101545 101545 101545 101545 101545

Maturity 188019 226171 226744 209027 218268 228147 228917

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Deepak R Ahuja78/1,Malabar Hill Road, Mulund Colony, Mulund West, Mumbai, Pin:400082 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 Mr. Deepak R Ahuja Mrs. Hanisha D Ahuja Mast Rahul D Ahuja Jeevan Vriddhi Age 47 41 14 Premium 100000 100000 100000 S.Tax 1545 1545 1545 Total 101545 101545 101545 Maturity 196379 213378 227851 Yield 6.82 % 7.71 % 8.42 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 7.60 % 8.60 % 9.39 % 20.6% 8.59 % 9.71 % 10.60 % 30.9% 9.87 % 11.16 % 12.19 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 80 CCE not available 6.82 % 7.71 % 8.42 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 9.27 % 10.18 % 10.90 % 80 CCE Saving @ 30.9% 10.76 % 11.69 % 12.42 % 80 CCE Saving @ 10.3% 7.97 % 8.87 % 9.58 %

Sr. No. Name 1 2 3 Mr. Deepak R Ahuja Mrs. Hanisha D Ahuja Mast Rahul D Ahuja

Age 47 41 14

Premium 100000 100000 100000

Total 101545 101545 101545

Maturity 196379 213378 227851

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Harish N Ahuja401,Bal Krishna Apartment, Bal Rajeshwar Road, Mulund West, Mumbai, Pin:400080 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 4 5 Mr. Harish N Ahuja Mrs. Kanchan H Ahuja Kum. Deepika H Ahuja Kr. Shuyog H Ahuja Kum. Simran H Ahuja Jeevan Vriddhi Age 47 44 25 13 14 Premium 100000 100000 100000 100000 100000 S.Tax 1545 1545 1545 1545 1545 Total 101545 101545 101545 101545 101545 Maturity 196379 206379 226066 228147 227851 Yield 6.82 % 7.35 % 8.33 % 8.43 % 8.42 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 7.60 % 8.19 % 9.29 % 9.40 % 9.39 % 20.6% 8.59 % 9.26 % 10.49 % 10.62 % 10.60 % 30.9% 9.87 % 10.64 % 12.05 % 12.20 % 12.19 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 1545 1545 80 CCE not available 6.82 % 7.35 % 8.33 % 8.43 % 8.42 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 9.27 % 9.81 % 10.82 % 10.92 % 10.90 % 80 CCE Saving @ 30.9% 10.76 % 11.32 % 12.34 % 12.44 % 12.42 % 80 CCE Saving @ 10.3% 7.97 % 8.50 % 9.50 % 9.60 % 9.58 %

Sr. No. Name 1 2 3 4 5 Mr. Harish N Ahuja Mrs. Kanchan H Ahuja Kum. Deepika H Ahuja Kr. Shuyog H Ahuja Kum. Simran H Ahuja

Age 47 44 25 13 14

Premium 100000 100000 100000 100000 100000

Total 101545 101545 101545 101545 101545

Maturity 196379 206379 226066 228147 227851

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Hariom R Agarwal

Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 Mr. Hariom R Agarwal Jeevan Vriddhi Age 50 Premium 100000 S.Tax 1545 Total 101545 Maturity 183344 Yield 6.09 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 6.79 % 20.6% 7.67 % 30.9% 8.81 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 80 CCE not available 6.09 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 8.52 % 80 CCE Saving @ 30.9% 10.01 % 80 CCE Saving @ 10.3% 7.23 %

Sr. No. Name 1 Mr. Hariom R Agarwal

Age 50

Premium 100000

Total 101545

Maturity 183344

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Prakash M AwtaniUnitrad Empaque, Room No-7, 1st Floor, Karanjia Bldg, 651, Girgaum Raod,mum, Pin:400002 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 Ms. Jaya P Awtani Ms. Deepa M. Shetty Jeevan Vriddhi Age 28 34 Premium 100000 100000 S.Tax 1545 1545 Total 101545 101545 Maturity 225592 222526 Yield 8.31 % 8.16 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 9.26 % 9.10 % 20.6% 10.47 % 10.28 % 30.9% 12.03 % 11.81 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 80 CCE not available 8.31 % 8.16 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.79 % 10.64 % 80 CCE Saving @ 30.9% 12.31 % 12.16 % 80 CCE Saving @ 10.3% 9.47 % 9.32 %

Sr. No. Name 1 2 Ms. Jaya P Awtani Ms. Deepa M. Shetty

Age 28 34

Premium 100000 100000

Total 101545 101545

Maturity 225592 222526

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Ramankumar B AgarwalFlat No 4,Guru Kirpa, Malbar Hill Rd, Mulund Colony, Mumbai, Pin:400082 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 4 Ms. Shivani R Agarwal Ms. Priya R Agarwal Mast Rahul R Agarwal Mrs. Sheetal R Agarwal Jeevan Vriddhi Age 27 25 20 49 Premium 100000 100000 100000 100000 S.Tax 1545 1545 1545 1545 Total 101545 101545 101545 101545 Maturity 225789 226066 226594 188019 Yield 8.32 % 8.33 % 8.36 % 6.35 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 9.28 % 9.29 % 9.32 % 7.08 % 20.6% 10.48 % 10.49 % 10.53 % 8.00 % 30.9% 12.04 % 12.05 % 12.10 % 9.19 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 1545 80 CCE not available 8.32 % 8.33 % 8.36 % 6.35 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.80 % 10.82 % 10.84 % 8.79 % 80 CCE Saving @ 30.9% 12.32 % 12.34 % 12.36 % 10.28 % 80 CCE Saving @ 10.3% 9.48 % 9.50 % 9.52 % 7.50 %

Sr. No. Name 1 2 3 4 Ms. Shivani R Agarwal Ms. Priya R Agarwal Mast Rahul R Agarwal Mrs. Sheetal R Agarwal

Age 27 25 20 49

Premium 100000 100000 100000 100000

Total 101545 101545 101545 101545

Maturity 225789 226066 226594 188019

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Mukesh AsnaniBlock No 43/5, Powai Chowk, Mulund Colony, Mumbai, Pin:400082 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 Mr. Mukesh Asnani Mrs. Sangeeta M Asnani Mr. Hitsh M Asnani Jeevan Vriddhi Age 41 38 15 Premium 100000 100000 100000 S.Tax 1545 1545 1545 Total 101545 101545 101545 Maturity 213378 218268 227584 Yield 7.71 % 7.95 % 8.40 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 8.60 % 8.86 % 9.36 % 20.6% 9.71 % 10.01 % 10.58 % 30.9% 11.16 % 11.51 % 12.16 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 80 CCE not available 7.71 % 7.95 % 8.40 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.18 % 10.43 % 10.89 % 80 CCE Saving @ 30.9% 11.69 % 11.94 % 12.41 % 80 CCE Saving @ 10.3% 8.87 % 9.11 % 9.57 %

Sr. No. Name 1 2 3 Mr. Mukesh Asnani Mrs. Sangeeta M Asnani Mr. Hitsh M Asnani

Age 41 38 15

Premium 100000 100000 100000

Total 101545 101545 101545

Maturity 213378 218268 227584

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Sandeep G AilsinghaniUphar,40/1, Mulund Chech Naka, L B S Marg, Mulund (W), Mumbai, Pin:400082 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 4 5 6 7 8 Mr. Sandeep G Ailsinghani Mr. Amar G Ailsinghani Mrs. Neelam A Ailsinghani Mast Sanket A Ailsinghani Mrs. Smita G Wadhwani Mr. Gurbux H Wadhwani Mast Hans Gurbux Wadhwani Mrs. Bhumi S Ailsinghani Jeevan Vriddhi Age 32 36 37 9 38 40 12 29 Premium 100000 100000 100000 100000 100000 100000 100000 100000 S.Tax 1545 1545 1545 1545 1545 1545 1545 1545 Total 101545 101545 101545 101545 101545 101545 101545 101545 Maturity 223963 220661 219537 229676 218268 215191 228517 225325 Yield 8.23 % 8.07 % 8.02 % 8.50 % 7.95 % 7.80 % 8.45 % 8.30 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 9.18 % 9.00 % 8.94 % 9.48 % 8.86 % 8.70 % 9.42 % 9.25 % 20.6% 10.37 % 10.16 % 10.10 % 10.71 % 10.01 % 9.82 % 10.64 % 10.45 % 30.9% 11.91 % 11.68 % 11.61 % 12.30 % 11.51 % 11.29 % 12.23 % 12.01 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 1545 1545 1545 1545 1545 80 CCE not available 8.23 % 8.07 % 8.02 % 8.50 % 7.95 % 7.80 % 8.45 % 8.30 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.71 % 10.55 % 10.49 % 10.99 % 10.43 % 10.27 % 10.94 % 10.78 % 80 CCE Saving @ 30.9% 12.23 % 12.06 % 12.01 % 12.51 % 11.94 % 11.78 % 12.46 % 12.30 % 80 CCE Saving @ 10.3% 9.39 % 9.23 % 9.18 % 9.67 % 9.11 % 8.96 % 9.62 % 9.46 %

Sr. No. Name 1 2 3 4 5 6 7 8 Mr. Sandeep G Ailsinghani Mr. Amar G Ailsinghani Mrs. Neelam A Ailsinghani Mast Sanket A Ailsinghani Mrs. Smita G Wadhwani Mr. Gurbux H Wadhwani Mast Hans Gurbux Wadhwani Mrs. Bhumi S Ailsinghani

Age 32 36 37 9 38 40 12 29

Premium 100000 100000 100000 100000 100000 100000 100000 100000

Total 101545 101545 101545 101545 101545 101545 101545 101545

Maturity 223963 220661 219537 229676 218268 215191 228517 225325

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Bharat Asnani146-283, Powai Chowk, Mulund Colony, Mulund (W), Mumbai, Pin:400082 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 Mast Kailash B Asnani Jeevan Vriddhi Age 10 Premium 100000 S.Tax 1545 Total 101545 Maturity 229334 Yield 8.49 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 9.46 % 20.6% 10.69 % 30.9% 12.29 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 80 CCE not available 8.49 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.98 % 80 CCE Saving @ 30.9% 12.50 % 80 CCE Saving @ 10.3% 9.65 %

Sr. No. Name 1 Mast Kailash B Asnani

Age 10

Premium 100000

Total 101545

Maturity 229334

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Sunil G AcharraRatan Society, 7,2nd Floor, Opp.Parsi Wadi, Kopri Colony, Thane (E)

Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 Mr. Sunil G Acharra Mrs. Sarita Sunil Acharra Ms. Nikita S Acharra Jeevan Vriddhi Age 41 38 9 Premium 100000 100000 100000 S.Tax 1545 1545 1545 Total 101545 101545 101545 Maturity 213378 218268 229676 Yield 7.71 % 7.95 % 8.50 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 8.60 % 8.86 % 9.48 % 20.6% 9.71 % 10.01 % 10.71 % 30.9% 11.16 % 11.51 % 12.30 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 80 CCE not available 7.71 % 7.95 % 8.50 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.18 % 10.43 % 10.99 % 80 CCE Saving @ 30.9% 11.69 % 11.94 % 12.51 % 80 CCE Saving @ 10.3% 8.87 % 9.11 % 9.67 %

Sr. No. Name 1 2 3 Mr. Sunil G Acharra Mrs. Sarita Sunil Acharra Ms. Nikita S Acharra

Age 41 38 9

Premium 100000 100000 100000

Total 101545 101545 101545

Maturity 213378 218268 229676

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Shankar G AswaniC/o Shyan Hemrajani, B-7/22, Jai Sashtri Nagar, Mulund Colony, Mulund (W),Mumbai, Pin:400082 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 Mr. Ravikumar S Aswani Ms. Reshma S Aswani Jeevan Vriddhi Age 32 30 Premium 100000 100000 S.Tax 1545 1545 Total 101545 101545 Maturity 223963 224983 Yield 8.23 % 8.28 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 9.18 % 9.23 % 20.6% 10.37 % 10.43 % 30.9% 11.91 % 11.98 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 80 CCE not available 8.23 % 8.28 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.71 % 10.76 % 80 CCE Saving @ 30.9% 12.23 % 12.28 % 80 CCE Saving @ 10.3% 9.39 % 9.44 %

Sr. No. Name 1 2 Mr. Ravikumar S Aswani Ms. Reshma S Aswani

Age 32 30

Premium 100000 100000

Total 101545 101545

Maturity 223963 224983

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Prakash D AmarOld Brk 4/1, Behind Jai Bharat School, Mulund Colony, Mulund West, Mumbai, Pin:400082 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 4 Mr. Prakash D Amar Mrs. Babita Prakash Amar Ms. Priti Prakash Amar Mast Vicky Prakash Amar Jeevan Vriddhi Age 45 42 23 18 Premium 100000 100000 100000 100000 S.Tax 1545 1545 1545 1545 Total 101545 101545 101545 101545 Maturity 203396 211350 226263 226918 Yield 7.19 % 7.61 % 8.34 % 8.37 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 8.02 % 8.48 % 9.30 % 9.33 % 20.6% 9.06 % 9.58 % 10.50 % 10.54 % 30.9% 10.41 % 11.01 % 12.07 % 12.11 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 1545 80 CCE not available 7.19 % 7.61 % 8.34 % 8.37 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 9.65 % 10.07 % 10.83 % 10.86 % 80 CCE Saving @ 30.9% 11.15 % 11.58 % 12.34 % 12.38 % 80 CCE Saving @ 10.3% 8.35 % 8.76 % 9.51 % 9.54 %

Sr. No. Name 1 2 3 4 Mr. Prakash D Amar Mrs. Babita Prakash Amar Ms. Priti Prakash Amar Mast Vicky Prakash Amar

Age 45 42 23 18

Premium 100000 100000 100000 100000

Total 101545 101545 101545 101545

Maturity 203396 211350 226263 226918

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Sukhvindersingh T Atawl77/1, Malbar Hill Road, Mulund Colony, Mulund West, Mumbai, Mumbai, Pin:400082 Dear Lucky, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 Mr. Sukhvindersingh T Ata Mr. Sukhvindersingh T Atw Jeevan Vriddhi Age 37 42 Premium 100000 100000 S.Tax 1545 1545 Total 101545 101545 Maturity 219537 211350 Yield 8.02 % 7.61 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 8.94 % 8.48 % 20.6% 10.10 % 9.58 % 30.9% 11.61 % 11.01 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 80 CCE not available 8.02 % 7.61 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.49 % 10.07 % 80 CCE Saving @ 30.9% 12.01 % 11.58 % 80 CCE Saving @ 10.3% 9.18 % 8.76 %

Sr. No. Name 1 2 Mr. Sukhvindersingh T Ata Mr. Sukhvindersingh T Atw

Age 37 42

Premium 100000 100000

Total 101545 101545

Maturity 219537 211350

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Mukesh T AswaniBlock No.50-4, Shivaji Chowk, Mulund Colony, Mulund West, Mumbai, Pin:400082 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 4 Mr. Mukesh T Aswani Mrs. Anju M Aswani Mast Kartik Mukesh Aswani Ms. Karishma M Aswani Jeevan Vriddhi Age 45 40 16 15 Premium 100000 100000 100000 100000 S.Tax 1545 1545 1545 1545 Total 101545 101545 101545 101545 Maturity 203396 215191 227336 227584 Yield 7.19 % 7.80 % 8.39 % 8.40 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 8.02 % 8.70 % 9.35 % 9.36 % 20.6% 9.06 % 9.82 % 10.57 % 10.58 % 30.9% 10.41 % 11.29 % 12.14 % 12.16 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 1545 80 CCE not available 7.19 % 7.80 % 8.39 % 8.40 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 9.65 % 10.27 % 10.88 % 10.89 % 80 CCE Saving @ 30.9% 11.15 % 11.78 % 12.40 % 12.41 % 80 CCE Saving @ 10.3% 8.35 % 8.96 % 9.56 % 9.57 %

Sr. No. Name 1 2 3 4 Mr. Mukesh T Aswani Mrs. Anju M Aswani Mast Kartik Mukesh Aswani Ms. Karishma M Aswani

Age 45 40 16 15

Premium 100000 100000 100000 100000

Total 101545 101545 101545 101545

Maturity 203396 215191 227336 227584

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mrs. Saroj T Ailani19-A-53, Manish Nagar, Four Bunglow, Andheri(west), Mumbai, Pin:400058 Madam, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 Mr. Kamlesh T Ailani Mr. Amit T Ailani Mrs Neelima K Ailani Jeevan Vriddhi Age 33 29 29 Premium 100000 100000 100000 S.Tax 1545 1545 1545 Total 101545 101545 101545 Maturity 223291 225325 225325 Yield 8.20 % 8.30 % 8.30 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 9.14 % 9.25 % 9.25 % 20.6% 10.33 % 10.45 % 10.45 % 30.9% 11.87 % 12.01 % 12.01 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 80 CCE not available 8.20 % 8.30 % 8.30 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.68 % 10.78 % 10.78 % 80 CCE Saving @ 30.9% 12.20 % 12.30 % 12.30 % 80 CCE Saving @ 10.3% 9.36 % 9.46 % 9.46 %

Sr. No. Name 1 2 3 Mr. Kamlesh T Ailani Mr. Amit T Ailani Mrs Neelima K Ailani

Age 33 29 29

Premium 100000 100000 100000

Total 101545 101545 101545

Maturity 223291 225325 225325

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Vishwanth AnchanRama Seth Chawl R.no.3, Tulsi Pada, Patkar Cmpnd, Gavdevi Road, Bhandup Mumbai, Pin:400078 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 Mr. Vishwanth Anchan Jeevan Vriddhi Age 37 Premium 100000 S.Tax 1545 Total 101545 Maturity 219537 Yield 8.02 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 8.94 % 20.6% 10.10 % 30.9% 11.61 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 80 CCE not available 8.02 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.49 % 80 CCE Saving @ 30.9% 12.01 % 80 CCE Saving @ 10.3% 9.18 %

Sr. No. Name 1 Mr. Vishwanth Anchan

Age 37

Premium 100000

Total 101545

Maturity 219537

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Ms. Shilpa AroraT.G.113, Hanuman Pada, Hindustan Chowk, Mulund Colony, Mulund West, Mumbai, Pin:400082 Madam, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 Ms. Shilpa Arora Mr. Vikram Arora Jeevan Vriddhi Age 35 33 Premium 100000 100000 S.Tax 1545 1545 Total 101545 101545 Maturity 221652 223291 Yield 8.12 % 8.20 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 9.05 % 9.14 % 20.6% 10.23 % 10.33 % 30.9% 11.75 % 11.87 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 80 CCE not available 8.12 % 8.20 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.60 % 10.68 % 80 CCE Saving @ 30.9% 12.11 % 12.20 % 80 CCE Saving @ 10.3% 9.28 % 9.36 %

Sr. No. Name 1 2 Ms. Shilpa Arora Mr. Vikram Arora

Age 35 33

Premium 100000 100000

Total 101545 101545

Maturity 221652 223291

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Suresh AcharaR.no.2 Nav Mahrashtra, Chs, Ground Flr, Kopri Colony, Thane, Pin:400603 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 3 Mr. Suresh Achara Mrs. Varsha S Achara Mast Vinay S Achara Jeevan Vriddhi Age 43 42 10 Premium 100000 100000 100000 S.Tax 1545 1545 1545 Total 101545 101545 101545 Maturity 209027 211350 229334 Yield 7.49 % 7.61 % 8.49 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 8.35 % 8.48 % 9.46 % 20.6% 9.43 % 9.58 % 10.69 % 30.9% 10.84 % 11.01 % 12.29 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 1545 80 CCE not available 7.49 % 7.61 % 8.49 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 9.95 % 10.07 % 10.98 % 80 CCE Saving @ 30.9% 11.46 % 11.58 % 12.50 % 80 CCE Saving @ 10.3% 8.64 % 8.76 % 9.65 %

Sr. No. Name 1 2 3 Mr. Suresh Achara Mrs. Varsha S Achara Mast Vinay S Achara

Age 43 42 10

Premium 100000 100000 100000

Total 101545 101545 101545

Maturity 209027 211350 229334

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Nitin AdivarekarBldg 31,Room No 4, Sahara Society, Near P MGP, Mulund (East), Pin:400080 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 Mr. Nitin Adivarekar Jeevan Vriddhi Age 32 Premium 100000 S.Tax 1545 Total 101545 Maturity 223963 Yield 8.23 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 9.18 % 20.6% 10.37 % 30.9% 11.91 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 80 CCE not available 8.23 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.71 % 80 CCE Saving @ 30.9% 12.23 % 80 CCE Saving @ 10.3% 9.39 %

Sr. No. Name 1 Mr. Nitin Adivarekar

Age 32

Premium 100000

Total 101545

Maturity 223963

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Manish P Aswani3-15/15, Garden View, Bhavani Nagar, Marol, Andheri (East), Mumbai, Pin:400059 Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 2 Mr. Manish P Aswani Mrs. Bhoomi M Aswani Jeevan Vriddhi Age 33 32 Premium 100000 100000 S.Tax 1545 1545 Total 101545 101545 Maturity 223291 223963 Yield 8.20 % 8.23 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 9.14 % 9.18 % 20.6% 10.33 % 10.37 % 30.9% 11.87 % 11.91 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 1545 80 CCE not available 8.20 % 8.23 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.68 % 10.71 % 80 CCE Saving @ 30.9% 12.20 % 12.23 % 80 CCE Saving @ 10.3% 9.36 % 9.39 %

Sr. No. Name 1 2 Mr. Manish P Aswani Mrs. Bhoomi M Aswani

Age 33 32

Premium 100000 100000

Total 101545 101545

Maturity 223291 223963

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Ms. Sunita L Asar

Sir, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 Mr. Naveen L Asar Jeevan Vriddhi Age 40 Premium 100000 S.Tax 1545 Total 101545 Maturity 215191 Yield 7.80 % Equivalent Bank FD Rate needed at different Taxable Income Slabs 10.3% 8.70 % 20.6% 9.82 % 30.9% 11.29 %

*Including loyalty addition @ of Rs.125.This amount may change depending upon the experience of L.I.C. of India with respect to the performance of this plan .

The performance of Jeevan Vriddhi further enhances (as shown below) if you consider the tax savings through Sec.80CCE of Income Tax:Y i e l d Service Tax 1545 80 CCE not available 7.80 % o n i n v e s t me n t 80 CCE Saving @ 20.6% 10.27 % 80 CCE Saving @ 30.9% 11.78 % 80 CCE Saving @ 10.3% 8.96 %

Sr. No. Name 1 Mr. Naveen L Asar

Age 40

Premium 100000

Total 101545

Maturity 215191

This is a close ended plan and is available for a limited period only. In fact L.I.C. may decide to close this plan even before its pre-decided date as soon as their target is met. Given the impressive benefits assured in this plan I expect an aggressive mobilization of investments in this plan and hence I believe that this plan will close much earlier than expected. Therefore, I request you kindly act on this opportunity as soon as possible. Feel free to get in touch with me for more details. I am just a phone call away. Thanking you, With regards,

PANJWANIPANJWANI 53-4, Hindustan Chowk, Mulund Colony, Mulund west,Mumbai-400082 Tel: 25651377., e-mail. panjwaniprem@gmail.com

Date : 19/03/2012

Mr. Ajaykumar D AcharyaBldg. No. 22, Flat No. 77, Sahil Bldg. Nr. Lilavati Hospital, M.H.B Colony, Bandra(W), Mumbai, Pin:400050 Dear Ajay Ji, I am delighted to inform you that L.I.C. has introduced a great investment plan Jeevan Vriddhi, with very exciting features.This plan outperforms a Bank Fixed Deposit in many ways. Some of the exclusive benefits of this plan are as under:

Single Premium Investment & Insurance Plan for a 10 years term Guaranteed Maturity Sum Assured after 10 years Loyalty Addition on Maturity Tax Savings under Section 80CCE

Life Insurance cover equal to 5 times of your premium Liquidity during the term through Cash Value & Loan 100% safety of investments

I strongly recommend you to consider investing in this wonderful investment opportunity. For your kind perusal I have given below an illustration of benefits in Jeevan Vriddhi Plan for a investment of Rs.101545 (Premium:100000 + Service Tax:1545) and also a comparison of what the Bank FD rate must be, in order to give you the same resultsSr. No. Name 1 Mast Danoo