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This is the official illustration issued by HDFC Standard Life Insurance Company Limited. Illustration of any other type is not supported by the company.
Illustration for HDFC SL Crest on 31 December 2011

PERSONAL DETAILS
Name Life 1 MR ASHIS PRATIHARI Age is taken as on last birthday Age 26 Gender M

POLICY DETAILS
Date of Policy Commencement: Policy Term: Premium Paying Term: Premium Frequency: 31-Dec-2011 10 year(s) 5 year(s) Annual

PREMIUM AND BENEFIT DETAILS

Benefit Name Crest - Highest NAV Guarantee Fund Option (Spl) Next premium Due Date Sum Assured (in Rs.) 500,000 Benefit Term Premium Paying (years) Term (years) 10 5 Total Premium payable per Frequency: Premium (in Rs.) 50,000 50,000 31-Dec-2012

This is a unit linked policy. Service Tax & Education Cess is applicable on the amount of any charge that we levy on your policy and units will be deducted in respect of this tax. The values shown in the illustration allow for all such deductions.

ILLUSTRATION OF FUTURE BENEFITS

This illustration has been produced by HDFC Standard Life Insurance Company Limited to help you understand the benefits of your HDFC SL Crest. These illustrations must be read in conjunction with the sales literature, which describes the features of this product. The values shown are for illustration only. What you actually receive will depend on what happens over the future lifetime of your policy. The assumed rate of investment return is particularly important. The Illustration shows what you could get back using two assumed rates of investment return. These rates have been specified by the Life Insurance Council and every insurance company must use these same rates for all products from 01/04/2004. Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your life insurance company. If your policy offers guaranteed returns then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable returns then the illustrations on this page will show two different rates of assumed investment returns. These assumed rates of return are not guaranteed and they are not upper or lower limits of what you might get back as the value of your policy is dependent on a number of factors including future investment performance. Future benefits depend not only on the assumed investment returns. Other important factors that will affect the value of your policy include the company's charges, including the charge for providing risk benefits, such as life cover and the effects of taxation. Guaranteed benefits are available provided all premiums are paid, when they are due. The illustrative benefits below assume that all premiums that are due have been paid. All amounts are in Indian Rupees. Illustrative Benefits on Maturity On the survival of the Life Assured until the Maturity date, the illustrative Maturity benefits are as shown below. Guaranteed Benefit Crest - Highest NAV Guarantee Fund Option (Spl) 0 Non-Guaranteed Benefit Assumed Investment Return Date of Maturity 31-Dec-2021 6% p.a. 288,068 10% p.a. 395,144 Total Maturity Benefit Assumed Investment Return 6% p.a. 288,068 10% p.a. 395,144

Since you have chosen the Highest NAV Guarantee Fund Option, your policy carries a Unit Price guarantee at maturity. The Guaranteed Unit Price at maturity will be the highest Unit Price during the first 7 years from launch of the Fund or Rs.15, whichever is higher. The fund value payable at maturity will be based on the higher of this Guaranteed Unit Price and the Unit Price at maturity. Upon this payment, the policy terminates and no further benefit becomes payable.

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Projected Statement of Premiums, Charges and Fund Value based on Assumed Investment Return of 10% p.a.
(01) Policy Year 1 2 3 4 5 6 7 8 9 10 (02) Annualised Premium (03) (04) Premium Allocation Charge (05) Amount available for Investment (06) Risk Charge (07) Policy Administration Charge (08) (09) Investment Guarantee charge (10) Service Tax & Education Cess (11) Total Charges (12) Fund Value (end of year) (13) Addition to Fund (14) Surrender Benefit (end of year) (15) Guaranteed Death Benefit (16) Total Death Benefit (17) Commission

Top-up

FMC

50,000 50,000 50,000 50,000 50,000 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0

2,000 2,000 1,500 1,000 1,000 0 0 0 0 0

48,000 48,000 48,500 49,000 49,000 0 0 0 0 0

820 744 652 544 426 397 364 329 292 301

1,860 1,980 2,100 2,220 2,340 2,460 2,580 2,700 2,820 2,940

651 1,332 2,074 2,881 3,750 3,998 4,264 4,549 4,855 5,183

241 494 768 1,067 1,389 1,481 1,580 1,685 1,799 1,920

574 675 731 794 917 859 905 954 1,006 1,065

5,905 6,731 7,057 7,439 8,433 7,714 8,113 8,532 8,973 9,489

48,432 100,580 157,346 219,107 285,669 304,603 324,910 346,698 370,086 395,144

0 0 0 0 0 0 0 0 0 0

45,227 98,374 155,692 218,004 285,669 304,603 324,910 346,698 370,086 N.A.

500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 N.A.

500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 N.A.

0 0 0 0 0 0 0 0 0 0

Projected Statement of Premiums, Charges and Fund Value based on Assumed Investment Return of 6% p.a.
(01) Policy Year 1 2 3 4 5 6 7 8 9 10 (02) Annualised Premium (03) (04) Premium Allocation Charge (05) Amount available for Investment (06) Risk Charge (07) Policy Administration Charge (08) (09) Investment Guarantee charge (10) Service Tax & Education Cess (11) Total Charges (12) Fund Value (end of year) (13) Addition to Fund (14) Surrender Benefit (end of year) (15) Guaranteed Death Benefit (16) Total Death Benefit (17) Commission

Top-up

FMC

50,000 50,000 50,000 50,000 50,000 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0

2,000 2,000 1,500 1,000 1,000 0 0 0 0 0

48,000 48,000 48,500 49,000 49,000 0 0 0 0 0

821 751 667 573 474 468 462 457 455 504

1,860 1,980 2,100 2,220 2,340 2,460 2,580 2,700 2,820 2,940

637 1,280 1,955 2,662 3,397 3,484 3,573 3,664 3,756 3,850

236 474 724 986 1,259 1,291 1,324 1,357 1,392 1,426

572 668 715 767 872 793 818 842 868 898

5,890 6,679 6,937 7,222 8,083 7,205 7,433 7,663 7,899 8,192

46,619 94,981 145,741 199,002 254,294 260,808 267,446 274,209 281,101 288,068

0 0 0 0 0 0 0 0 0 0

43,534 92,775 144,086 197,899 254,294 260,808 267,446 274,209 281,101 N.A.

500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 N.A.

500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 N.A.

0 0 0 0 0 0 0 0 0 0

ILLUSTRATION OF CHARGES
The charges under your HDFC SL Crest policy are deducted to provide for the cost of benefits and the administration provided by us.Our charges, when taken together, are structured to give you better returns and value for money over the long term.

Effect of Charges
It is important that you do not judge a unit linked plan solely on the basis of any of the charges taken independently. Charges interact with each other. So, to understand what effect the charges will have in your policy, you need to look up the Reduction in Yield, which is defined as the net reduction in return per annum due to charges if we express all charges as a fund based charge. The rates provided below are Effective Annual Rates allowing for the timing of when they are deducted. Description A B1 B2 B3 B C D E F G H I Reduction in Yield due to Expenses [B1 + B2 + B3] Additional Benefit from Loyalty Reward Reduction in Yield due to Cost of Risk Benefit Reduction in Yield due to Guarantee charge Reduction in Yield Net Yield [A - F] [B - C + D + E] Assumed Gross Yield Premium Allocation Charge Policy Administration Charge Fund Management Charge Scenario 1 10.00% 0.41% 1.06% 1.48% 2.95% 0.00% 0.25% 0.55% 3.75% 6.25% 0.40% 5.85% Scenario 2 6.00% 0.40% 1.15% 1.42% 2.97% 0.00% 0.29% 0.54% 3.80% 2.20% 0.42% 1.78% 2.95%

Reduction in Yield due to Service Tax & Education Cess Return on Investment [ G - H ]

The difference between the gross and net yield defined as per IRDA Circular no. 20/IRDA/ActI/ULIP/09-10 is This complies with the maximum charge cap under the circular.

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Description of Charges
This illustration is based on the following charges:

Premium Allocation Charge

This is a premium-based charge (which may vary by product, policy year, premium size, premium frequency and premium payment method). After deducting this charge from your premiums, the remainder is invested to buy units. Please read Sales Literature for more details.

Fund Management Charge (FMC)

This is a charge levied as a percentage of the value of assets and deducted at the time of computation of daily unit prices. In the long term, the key to building great maturity values is a low FMC.The Fund Management Charge is the same across all the fund options.

Policy Administration Charge

This charge is levied to cover regular administration costs. This charge may vary by product & premium size. Please read Sales Literature for more details.

Risk Charge
This is a charge levied monthly to cover the cost of providing you with the Death Benefit, Extra Health Benefit, Extra Life Benefit and Extra Disability Benefit, if applicable, on your policy. The amount of the charge taken each month is based on the benefits insured and your age.

Investment guarantee charge

This charge is levied as a percentage of the value of the assets and deducted at the time of computation of daily unit prices. This charge is the cost of the guarantee of the Highest Unit Price offered under your chosen Highest NAV Guarantee Fund Option.

Service Tax & Education Cess

The Government of India levies a Service Tax & Education Cess on the amount of any charges deducted from your policy. We collect this tax along with the charges. The tax rates and its applicability will be as notified by the Government from time to time.

TERMS AND CONDITIONS

The Sum Assured stated above is based on the information provided and may vary as a result of underwriting. For details of the above benefits, please read the sales literature provided. Since some of the benefits are subject to maximum limits, please contact your financial consultant for more details. Any statutory levy or charges (such as Service Tax & Education Cess) including any indirect tax may be charged to the Policyholder either now or in future by the Company and such amount so charged shall become due and payable and shall be subject to the same terms and conditions as applicable to payment of premium. Insurance is a subject matter of solicitation. UIN for HDFC SL Crest - 101L064V01 The benefits illustrated assume that all premiums that are due over the premium paying term will be paid and no withdrawals will be made during the policy term. In case premiums are not paid for the premium paying term at the original level or withdrawals are made during the policy term, the illustrative benefits will be lower. This contract is designed for long term savings and is not designed for short term investment. Should you need to surrender your policy in the short term, any surrender benefits may be less than the premium(s) you have paid. There is no guaranteed amount of Rupees on surrender. We guarantee to pay the bid value of units in your unit linked fund, less any charges applicable on surrender. A policy may be surrendered at any time in the first five years of the policy but the amount payable on surrender will be paid out only on the 5th policy anniversary. In case you do not pay premiums for the full premium paying term, your policy will be lapsed or made paid-up. Please read the Sales Literature for more details. There is no commission payable as the illustration has been generated on the basis that this proposal would be sourced through Direct Sales. Distributors may also receive payments from the Company towards marketing activities. The values shown are for illustration only. What you actually receive will depend on what happens over the future lifetime of the policy. The benefits illustrated assume that any benefit payment is made exactly on a policy anniversary without allowance for any premium that may be due on that anniversary. The illustrated values may not be constant over the policy year. If you would like help to understand this illustration, please speak to your Financial Consultant. "Premium Allocation Charge Rates", "Death Benefit Charge Rates" and "Extra Life Benefit Charge Rates" , if applicable , are guaranteed for the lifetime of the policy. All other charges may be altered during the lifetime of the policy with prior approval from the regulator. In this policy, the investment risk in the investment portfolio is borne by you. The investment returns used in the projected statements are for illustration only. As can be observed by comparing the two projected statements at two different investment return assumptions, most of the values shown in the projected statements vary with the investment return assumption and are for illustration only. The actual values will depend crucially on the actual investment returns earned. The charges described above are those that are expected to be levied on your policy in normal circumstances. In addition to these, certain other charges may also be applicable to your policy under exceptional circumstances. Please refer to the sales literature for details of these charges and the circumstances in which they apply. I, ., having received the information with respect to the above, have understood the above statement before entering into the contract.

Financial Consultant's Signature: Financial Consultant's Name: Financial Consultant's Code: Business Development Manager's Name:

Customer's Signature: Date: