MY GOLD PLAN

Product Presentation

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Gold Consumption Drivers in India

• Considered a symbol of security and sign of prosperity

• Gold is ancestral and passed down from generation to generation

• Most of the Gold collection generally begins in an Indian family from the "Godbharai” ceremony, to getting bracelet & anklet of black & white colored beads to protect the child against the evil eyes

• It is common for parents of a child to start collecting gold in jewellery for the child’s security, exigency, marriage, etc

FestivalsWedding ceremony "Godbharai” ceremony Offerings to Gods

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Significance of Gold in Indian Household

20,000tonnes

Gold held by Indian

Households

Source: Handbook of statistics on Indian economy, published by RBI, 2009-10World Gold Council

Gold is a culturally embedded asset class

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Challenges in the Indian Physical Gold market

Lack of Transparency and concerns on purity of the gold sold

Concerns around credit worthiness of the unorganized market participant

No Standard market pricing for Gold offered in the Unorganized market

No plan which allows systematic accumulation of physical gold

Banks offering Gold Coins have a differential pricing

Issues of accessibility

UNORGANIZED MARKET ORGANIZED MARKET

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Presenting My Gold Plan

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How My Gold Plan works?

Subscribe Rs. 1000 and multiples of Rs. 100

1 year

2 year

3 year

15 year

Lock-in Period6 months

Pre-Termination Fee2.5% (only upto 1 year)

Top-up anytime

Admin Charge1.5%

Partial Fulfillment

Choose Daily Averaging or One Time Allotment

Option to Renew

No Monthly CommitmentIf minimum 12000 subscribed.

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Benefit of Daily Averaging

Initial Payment Monthly Payment

Rs. 1000Rs. 1000

Rs. 50 Rs. 50 Rs. 50 Rs. 50………………………………

Daily Price Averaging

Average Price

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WGC & My Gold Plan

WGC runs such program with various partners across the globe These partners are generally the financial front runners of the country To name a few:

­ China WGC has signed up with Industrial and Commercial Bank of China (ICBC) ICBC is the largest and most profitable commercial bank in the world It serves over 215 million individual and corporate clients globally Since the programs inception in March 2010, over one million accounts have already been opened

­ Japan­ WGC has signed up with 2 of the biggest Japanese financial entities

Mitsubishi Corporation & Mitsubishi UFJ Trust and Banking Corporation Mitsubishi Corporation is the largest general trading house in Japan It runs the largest gold trading team in Japan

­ Tanaka Kikinzoku Kogyo K.K. Group (TKK) Tanaka is the largest bullion house in Japan WGC has been running GAPs with the TKK group since 30 years

In India WGC has an exclusive tie up with Reliance Money

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Investor

Specialized Safe

Keeper

RMPM

Fulfilment Partner

Distributor

Reputed Back Office

Provider

Trustee

Structure of RMGP

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Structure of RMGP

IDBI Trusteeship Services Ltd.Asian Building, Ground Floor, 17, R. Kamani Marg, Ballard Estate,Mumbai - 400 001MaharashtraTel. No. - +91 22 40807000, Fax No. - +91 22 66311776Website: http://www.idbitrustee.co.in

Trustee Safe Keeper

Lemuir Secure Logistics Pvt. Ltd.Oricon House, 12, K. Dubash Marg,Mumbai – 400 023MaharashtraWebsite: http://www.lemuirexpress.com

Product Manager

Reliance Money Precious Metals11h Floor, R-Tech Park, Nirlon Compound,Western Express Highway,Mumbai – 400063. Maharashtra.Landmark – Near Hub, Behind Oracle Building Goregaon (East),Website: www.mygoldplan.co.in

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Benefits of RMGP• A disciplined accumulation methodology under which you accumulate

gold grams by making small but regular subscriptionsSYSTEMATIC GOLD

ACCUMULATION

• Low entry level with a minimum payment of Rs. 1000/- and in multiples of Rs. 100/- thereafterACCESSIBILITY

• Plan for a large Gold purchase in the future for special events like daughter’s wedding, your wedding anniversary, etc

PLANNING FOR SPECIAL EVENTS

• All subscriptions made will be split into 20 daily purchases thus reducing the risk of timing the marketsDAILY COST AVERAGING

• An Independent trustee manages the bank accounts, ensures safekeeping of Gold and delivery of Gold to the end customersZERO DEFAULT RISK

• 24 Karat Gold of 995 fineness or more credited to the customer’s account up to 4 decimalsASSURED PURITY

• Partnered with World Gold Council, globally recognised organisation of the gold industry, including global mining companiesASSOCIATION

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Features RelianceMy Gold Plan Gold ETF Gold Savings

Fund Jeweller

Backed by Physical Gold Yes Yes No No

Fulfilment Mode GoldCoins/Jewellery* Cash Cash Own Jewellery only

Allotment Price of Gold at each Subscription Net Asset Value Net Asset Value Price of Gold at the

end of the tenure

Mode of Subscription Cheque / DD / ECS / Cash/Direct Debit Stock Exchanges ECS / Cheque / DD Cash

Average Pricing Methodology Yes No No No

Impurity Risk No Not Applicable Not Applicable Yes

Default Risk No No No Yes

Flexibility to buy gold from other Jewellers Yes Not Applicable Not Applicable No

Fulfilment Centres Across India Not Applicable Not Applicable At his outlet

R-MGP verses other prevailing products

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3 Simple Steps – Subscribe, Pay and Fulfill

SUBSCRIBE PAY FULFILL

11 22 33

PhysicalApplicationForm

Online Application

Cheque/DD/ PDC

ECS/ Direct Debit/Net Banking

Credit/Debit/ Prepaid Card

Fulfillment in Jewellery

Walk-in to OutletBranchesDistributorsCall Centre

Cash

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Cust

omer

/

Dis

trib

utor

/ PO

SBa

ck O

ffic

e Pr

ovid

erBu

llion

Tra

der &

Cu

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ian

•A/C Opening Form•KYC Documents•Initial Subscription•Subsequent Subscription

Scan and submit relevant document to Back office Service Provider

Verifies information and enters in Online Portal

and banking of Instrument

•Customer Adoption •Creation of Customer ID•Dispatch of Welcome Kit

Fund Credit Identification and reconciliation

Allocate Subscription into 20 equal parts and inform

RMPM 1/20th part daily for purchase of Gold

RMPM book gold gram with Bullion trader

•Monthly Statement t of Holding on a monthly basis to Customer•Other Communication

Store Gold with Safe Keeper

On Redemption instructions of RMPM

gold grams to be released

Fulfi

lmen

t pa

rtne

r

Process Flow

JewelleryGold Coin

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Sample Statement of Holding

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Sample Statement of Holding

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Disclaimer

R-MGP is neither a financial product nor a deposit but a methodof purchasing gold through periodic accumulations for thepersonal needs of the customer.

Neither RMPM nor World Gold Council (WGC), or any of theirassociates, offers any investment advice or promises /forecastsany assured return through R-MGP while promoting theproduct.

Reliance Money –Whenever it’s a question of your money