FLAG SHIP PRODUCT OF PFS

1. FLAG SHIP PRODUCT OF PFS SYSTEMATIC INVESTMENT PLAN- SIP

2. POWER OF CREATIVITY

3. Art of Investing • Investment basket comprises of 60:40 large and mid caps blue chip stocks respectively. • Portfolio will be monitored regularly and necessary changes will be initiated and intimated. • Investors investment philosophy will have to be medium to long term horizon of min 3-10 years. • Averaging in Secondary Market investments will lead to good investment base and achieve good return in medium to long term.

4. PERFORMANCE REVIEW

5. OTHER FLEXIBLE FEATURES OF PFS’s FLAGSHIP PRODUCT • Client also has an option to invest lump sum in case markets correct during their investment period. • No lock in period for the investment, nor would there be any exit load. A service fee is to be paid during exit calculated on a pro-rata basis. • When the markets move significantly higher over a period of 1-1.5 years from the investment date, we consider the chances of market correcting higher. At this stage we would suggest you book profits from the investment and as well as sell 30-40% of the principal investment and enter back on correction. Note: SIP will continue and no changes in that pattern

6. Other flexible features of the Product LUMPSUM AMOUNT BY CHEQUE MONTHLY SIP CHEQUES

7. Other flexible features of the Product Investment with min of 10000/p.m There is no maximum limit. SIP dates flexible as per clients discretion.

8. MODEL PORTFOLIO & PERFORMANCE REVIEW

9. MODEL PORTFOLIO & PERFORMANCE REVIEW

10. BENCHMARK PERFORMANCE(NIFTY)

11. PERFORMANCE SNAPSHOT • The model portfolio comprises of stocks across the sectors. • It is a combination of large and midcap stocks. • Markets have moved from 2000 range of NIFTY in 2005 to 6200 range of NIFTY in 2010. If invested in the SIP form across NIFTY stocks for 6 years,the returns would be 68% absolute . • Portfolio has risen by nearly 100% which is 137% more than the investing in the NIFTY . • Model portfolio comprises of average performing stocks . If the same was created with NIFTY heavy weight stocks – the returns would have been better at 137% . • Overall the portfolio has given 22.4% annualized returns compared to average return of 7.5% from fixed deposit which is a staggering 200% lower. • We have considered 2005 as the initial investment as markets had started its 2 leg of bull run. If we had considered 2000 as the initial investment then our returns would have be much more superlative.

12. SERVICE CHARGES • Charges: Brokerage for every purchase or sale would be charged at 0.5% and other Statutory charges as prescribed by the regulators. • PFS would be charging 2% Service charge on the AUM as on 31st Dec every year. Value of AUM as on the closing value of stocks on 31st Dec. Any investment started in-between the calendar year will be valued and collected on pro-rata basis. • Any other attractive and performance based fees structured can be discussed on one to one meeting.

13. OTHER PRODUCTS OFFERED As Informed earlier PFS is a one stop financial hub which connects its customer for various investment and financial needs. • IPO’s:- We advise our customers on the various Public offers say it equity or bonds on regular basis. Only selective and the best issues are advised based on various ratings from agencies. • Mutual Funds:-We have tied up with majority of AMC’s, to facilitate customers for their investment needs in mutual funds. We provide extensive research based investment ideas in mutual funds, keeping in view the customers requirement. • Options and futures:- We provide trading and hedging ideas in equities, with the derivative platform. Options used as a hedging tool for investors and also a regular income generator. Traders can use our technical advisory for capitalizing the volatile market conditions. • Commodities:- At PFS we advise customers on commodities, primarily non agri products. Service rendered from 10.00 am to 11.30pm. Structured investment as well as pure technical advisory is provided to customers.

14. OTHER PRODUCTS OFFERED • Bonds and Deposits:-PFS is reachable to any fixed investment products available in the market. We using our research source and our experience advise customer on high yielding, safe and lucrative deposit and bond products available in the market. Eq:- Tamil Nadu Electricity Board provides 12.91% compounded interest for a 60month tenure bond, with flexibility of exit post 6months. Our RM’s are always on the edge to identify these types of products and advise our customers. • Insurance - Retail:-We believe that insurance plays a major role in the investment needs of customers and we who follow the best ethical standards in the industry, would like to advise our customers the best insurance investment solutions, which makes your risk cover as simple as your life. Have empanelment with all major insurance service providers and pass on the benefits to the customer of having a corporate tie up. Both life and non life insurance in augured by us, with a door to door service facility. We provide the best and cost effective insurance policies to customers. Medical insurance, life insurance, accidental insurance, fire, marine, overseas insurance, householders insurance etc. , is catered from our end. Have tie up with both public and private insurance companies • Insurance- Corporate:- We advise corporate on their insurance needs, group medical insurance, overseas insurance, fire and theft, Construction policies etc., We give the benefit of our corporate agency to our customers with the least possible cost. • Tax planning:- We provide a complete tax planning advisory service. Attached a presentation along with this for our tax planning ideas.