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Mumbai , India Empowering intermediaries with an Integrated Platform Moneytouch TM Retail Financial Services (P) Ltd FP Software/Technology Conclave May 7 th 2011 Presentation of

About Us:

About Us Touchbase Capital (P) Ltd An Integrated Financial services Private Limited Holding company started by a group of 6 senior bankers and professionals having worked with Citibank, SCB, Amex, Centurion, ICICI, Ebay with over 100 man years of experience. The company operates the following lines of business: Touchbase Financial Services - Boutique Investment Bank where we target SME/MME and facilitate Debt / Mezzanine Debt/ Equity (PE/VC funds), Listing, Working Capital and Trade Finance limits Infinite Touchbase Training Solution - has been actively pursuing business development in the BFSI segment and we have few clients for whom we have done trainings such as Indian Post /Central Bank of India/ L&T General Insurance/ L&T Finance/Stock Holding Corporation of India. We plan to offer training and certification courses for Advisors in the near future Moneytouch Retail Financial Services – An Integrated IFA Platform 2 About Us Money touch TM

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3 Raj Mahadev CMD An MBA with over 21 years of experience in consumer banking with MNC banks like Citi, SCB, American Express and DBS across assets, liabilities, product, marketing, branch banking, Wealth Management etc. Strong believer in processes and compliance for scale. Sunil Shukla CEO A Post graduate in Business Management with over 17 years of experience as an entrepreneur across assets, BPO and human resources. Started his career as a management trainee with American Express Bank. Sudish Pandey -Director A veteran in the Retail Asset business with over 15 years of experience in the business. Has been instrumental in closing multiple large value loan transaction and maintains credible relationships with banks and other manufactures. Sunil Jani-Head Sales Sunil has over 12 years of experience in the Mutual Fund Industry and has worked with companies like Templeton, MyIRIS etc. He is the Channel Head and has a dedicated team of Sales and Service under him which is being augmented Santosh Shetty-Admin and Finance Santosh has over 10 years of experience and manages the Finance/Accounts and Admin functions. He is supported by a team Harpreet Singh-Director An MBA and Computer Engineer has 10+ years experience in Fortune 500 companies, in software product management and development. Based out of the US. Involved part time on all technology matters Kuntal Dave Director A Fellow member of ICAI with over 18 years of experience in advising clients on tax, auditing, foreign exchange and valuation matters. Member of central Young IFA Network (YIN) committee of International Fiscal Association, Netherlands. Secretary of IFA India and Western Regional Chapter of IFA India Branch. Not involved in day to day management About Us - Team About Us Touch base Management team Money touch TM

Advisory Board:

4 Advisory Board Shailesh Haribhakti Executive Chairman of BDO Haribhakti Consulting Pvt. Ltd. and Managing Partner of Haribhakti & Co- Chartered Accountants. He is the only Indian Member on the Standards Advisory Council of the International Accounting Standards Board. He is Chairman, Financial Planning Standards Board, India. He is a Committee Member of Futures & Options segment of National Stock Exchange of India and is a member of the SEBI Committee on Disclosures and Accounting Standards. He has been awarded “The Best Non Executive Independent Director Award – 2007” by the Asian Centre for Corporate Governance & IMC in January 2008. He is on the Board of Directors of several listed companies. He is the Chairman of our Advisory Board Ajit Nair CEO of MX Advertisement (P) Ltd. Has over 20 years of experience in the advertising industry, involved in the servicing, business development, client management, and leadership functions. A B Com and MBA from Pune University. CA Narendra Lohiya Fellow member of Institute of Chartered Accountants of India, Business Law and Commerce Graduate, working in UAE for last 17 years. During this period he is closely associated with the Retail industry, Mall management and General Trading business activities in the Gulf region. Currently works for a reputed FMCG retail chain and Mall owners/ management Group of Companies as their Associate Director-Corporate Affairs responsible for all financial management aspects of the company, providing independent guidance based on sound commercial, financial, legal and accounting principles for groups business in UAE, Saudi, Jordan, Lebanon, Poland and other GCC countries. Responsible for business partner’s relationship and in identifying new business partners for new territories and for new businesses in co-ordination with CEO of the company. Recently has given full responsibility as CEO to manage the group’s retail businesses in Saudi, Jordan and Lebanon. Prior to coming to UAE he was practicing at Mumbai as Chartered Accountant specializing in Project Finance and Management audit. He has overall 25 years varied work experience. About Us Touch base Management team and Structure Money touch TM

Economy is expanding:

5 Economy is expanding Market and Competition Money touch TM Economic Growth In spite of the downturn the economy has been growing at a healthy pace better then many Gross savings rate as a proportion of GDP is at around 30%+ Per capita income has almost doubled and expected to touch $2,000 by FY17 and $4,000 by FY25 Demographic Benefits 50% of India’s population is under 25 years of age and 10% of India’s population born after late 80s, post liberalisation, has no guilt about consumption With a majority of the population entering the work force the need for loans, tax savings, asset building would increase Growing economy will increase the number of individuals who would need advise and planning

Asset classes are growing:

Asset classes are growing 6 Market and Competition Money touch TM The Indian customer will have many more choice in the future . Studies* show that structured products will increase 3 times in the next 5 years *Karvy HNI Survey Sept 2010 USD 1 Trillion USD 250 Bn USD 800 Bn USD 60Bn USD 125 Bn USD 12 Bn USD 50 Bn

Customer has multiple needs :

Customer has multiple needs 7 Education Loan Credit Card Bank account Car loan Home loan Insurance – Child Plans Systematic investments Business needs 2 nd home Investments Child educations plans Retirement planning Business loans/ private equity Lifestyle needs Structured products Legacy planning Philanthropy Business growth Alternate assets Lifestyle needs Early life Upto 25 years Working life 25-45 years Accumulation stage 45-60 years Retirement 60+ years A customer has different financials needs at different stages of life which an advisor will need to address to be able to offer one stop top of mind service Market and Competition Money touch TM Business and Personal needs converge at some time if client is a business person

Changing regulatory landscape :

Changing regulatory landscape 8 Market and Competition Money touch TM

Drivers for success:

Drivers for success 9 Challenges Implication Key drivers for success Product based remuneration Customer feels cheated Too much time spent on administrative work Limited/ reduced customer time Unable to compete with large established players Limited access to analytical/ research tools Unable to address Customer life cycle needs Changing regulatory/ economic landscape Loosing clients to competition Less Insights, differentiation Loose clients to players addressing needs Inability to adapt to business models Need to be a step ahead of customers Invest in Technology Flexibility Build Customer Relationship Invest in Knowledge Fee based model/ Financial Planning IFA Business Model Money touch TM

To be future ready:

To be future ready 10 Customer Wealth Creation Wealth Enhancement Wealth Protection Commercial Loans Business Loans Promoter funding Bill discounting Working capital Acquisition funding Retail Loans Mortgages Personal Loans Vehicle Loans Credit Cards Loans against property Loan against shares Alternative Investments Art Real Estate Commodity Offshore invest Small savings Investment Banking Investment Advisory Mutual funds PMS Direct Equity/ Derivatives Structured Products REITs/ Bonds/ ULIPs Financial Planning Legacy Planning Insurance Planning Estate Planning Mutual Fund Advisor Life Insurance agent Non Life agent Direct Sales Associates Sub Brokers Advisors Small Savings agents Commodities broker Chit Fund agent Art Dealer CA / Lawyer Real Estate broker Product Provider Solution Provider IFA Business Model Money touch TM

Enabling IFA transition:

Enabling IFA transition 11 IFA business can be in any of these stages and we help them TRANSITION Moneytouch TM can provide support across any of the stages and enable the IFA to offer better value to clients and compete in the market “The Moneytouch TM Business Transition Model” Transition Model Money touch TM

Intermediaries have an advantage:

Intermediaries have an advantage 12 Market and Competition Money touch TM * In addition to Banks Player Training and Operations excellence Customer relationship management Cross selling and Marketing Product Spread Technology Banks (foreign/Pvt) High Medium High High High NBFC High Medium High High High Websites Medium to High Low Medium Medium High IFA Low High Low Low Low Platforms High High Medium Medium High The strengths of the intermediaries vary and we feel the IFA is best equipped to provide ethical solutions in the long run if they have the support to do so. A quick comparison: Compared to the existing platforms how are we different: We have 5 clear advantages for the IFAs: No clipping of fees from existing line of business No transfer of AUM Build business in your own name Generate additional revenues by xselling Continue dealing with your existing partners

Our Value Proposition:

Our Value Proposition 13 Our Value Proposition Money touch TM “ The model” An end to end support for IFA to transition the business to the next level The one stop information portal offers : In public domain Article and latest news content – powered by MyIRIS Product details across full suite of products like Loans, MF, Insurance, Capital Markets, PMS etc Calculators – powered by My IRIS Qualified lead generation module - developed in-house with lead fulfillment tracker Capable of supporting NRI clients a s well In secured domain Loan Search Tool – developed in-house Mutual Fund Research – powered by My IRIS Commssion structure of all partners Knowledge bank, world markets etc In the pipeline: Other product search tools CRM Online Mobile enablement 14 Our Value Proposition-Technology Money touch TM

15 Our Value Proposition-Technology Money touch TM In the pipeline Commission and order booking Analytics and research Online MF buying/selling Mobile Application The backend integrated platform offers :

End to end sales support :

End to end sales support IFA needs to focus on their primary Line of Business (LOB) – eg Mutual Funds or Life Insurance For other LOB they only need to generate lead when he identifies a need. We will train IFAs to spot such opportunities All the required information is housed in our website and with the online training tolls (soon to be launched) IFA needs to complete the documentation from the client and deposit it at our fulfillment centres and we will take of the rest IFA needs to increase product penetration into their customer base, so that they increase your revenue earning capacity from each client It is a simple 5 step process Identify need Prepare documents as required Submit the file/papers to FC Liaise with client if required On closure earn your fees 16 Our Value Proposition-Sales Support Money touch TM Money-touch takes care of the rest Offer limited to Mumbai

With multi product, multi partner solutions:

With multi product, multi partner solutions 17 Our Value Proposition-Sales Support Money touch TM *yet to launch Multiple Products Multiple Partners Standard Chartered Bank Kotak Bank TATA Capital India Bulls Bajaj Finserv Reliance Capital Fullerton India Future Capital Credila Cholamandalam Bar clays Finance Stock Holding Corporation Karma Capital HSBC Invest Direct Hiranandani / HIRCO HDFC Ltd LIC Housing Axis Bank

Differentiate with marketing insights:

18 Differentiate with marketing insights Segment Customers Based on their occupation, life stage, geography, income and other key defining variables. The data capture would be dependent on the IFA, however we will instill a discipline to capture all data systematically to ensure that all key variables are covered at the time of onboarding a customer Develop Predictive Models Using advanced analytic software to build business visibility for Sales Mgmt & Operations Use deep dive insights to cross-sell products Identify low hanging fruit for different components of the product suite Develop Target Marketing strategies tailor-made for critical segments depending on what is likely to drive financial needs Use the analytics to create specially designed from manufacturers Create MIS Dashboards as aids to market planning for IFA Annual surveys for further insights and comparisons Our Value Proposition – Marketing Insights Money touch TM

Provide operations support:

Provide operations support Surveys have shown that IFAs spend 60% of their time managing operations and back office routine work If this time can be saved and the work outsourced, they would technically be able to double their business as they have twice the time available to manage their existing customers, get more referrals and meet new clients Operations that can be outsourced for a fee are : Routine transaction posting Managing customer queries Managing customer correspondence Follow up on documentation Accounting and taxation Technology The fee model can be per transaction or based on volume dedicated resources would be deployed 19 19 Our Value Proposition – Operations Support Money touch TM Offer limited to Mumbai

Training and certification:

Training and certification Knowledge is a key ingredient for success. IFAs will need to stay in touch with regulations, products, processes, new concepts constantly. There is no short cut and IFAs will have dedicate sufficient time in learning on an ongoing basis We offer a host of training programs focused on enhancing the skills so that IFAs are ready to face the customer and the changing market needs. The programmes we can conduct exclusively or as a group are : Financial planning Wealth Management Life and General Insurance sales Capital Markets Mutual Funds sales and service Retail Assets sales and service Trade Finance, Foreign Exchange Selling Skills and Soft Skills 20 20 Our Value Proposition – Training Money touch TM

Deliver a unique experience:

Deliver a unique e xperience By partnering with Moneytouch, IFA can offer a whole host of services and match with the best in the industry. Coupled with their knowledge and advise they have a unique experience to offer to their client that covers: Convenience All financials needs of the client can be addressed by one person Consolidated statements Research reports Multiple portfolios can be tracked in one place Alerts can be personalised to each customer Enable decision making with comparative tools All information available on the website Advise Provide Financial planning tools to address all client goals Track portfolios and rebalance as per risk appetite Set alerts Access Compete with large distributors and banks by providing web access to client portfolios and with payment gateways for transactions 21 Our Value Proposition – Unique Experience Money touch TM

Our guiding principles:

Our guiding principles For us the customer is the IFA All customers of IFA’s are tagged for life to the IFA in the system All access to computer systems and data is controlled as per authority grid We sign a customer confidentiality agreement so that IFA don’t worry about mis-use of customers database. All data analytics, insight led marketing activities will be done on behalf of the IFA IFA continues to earn lifetime fees for any product sold in the lifetime of the customer, no questions asked 22 Our Value Proposition - Principals Money touch TM

Benefit to IFA’s Customer :

Benefit to IFA’s Customer All financials needs across customer life cycle can be addressed under one roof Provide goal based financial planning Provide Web access to customers portfolio Consolidated statements Research reports Multiple portfolios can be tracked in one place Alerts can be personalised to each customer Enable decision making with comparative tools 23 Customer Benefit Money touch TM

Benefits to IFA:

Benefits to IFA Continue with his existing partners Retain his earnings from all line of business currently active in Generate additional revenues with multiple products, by increasing product penetration Continue to build the business in their own name . Ride the economic cycle more effectively Manage Individual and SME clients and address customer needs end to end Provide multiple services to customers as under 24 Benefit to IFA Money touch TM


25 Disclaimer This presentation including the information contained herein is being issued by Moneytouch Retail Financial Services (P) Ltd group company. This presentation is issued on a strictly confidential basis and for information purposes only to intended recipient. It should not be distributed, published or reproduced in whole or in part, nor should its contents be disclosed by intended recipient to any other person. Disclaimer Touch base Website: | Email: Call: (91) 99876 70978 / (91-22) 4206 3217 - 19 Address: C / 202, Green Lawns, Opp. St. Pius College, Aarey Road. Above ICICI Bank, Goregaon (East), Mumbai – 400 063

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