About Us Atlas Financial services is a group of knowledge workers engaged in providing Financial Services.

The company's corporate office is in Hyderabad with branches at Bangalore !elhi "umbai and #une. The company is manned by former top e$ecutives of public%private sector banks who have decades of e$perience in the field of credit analysis and credit management. The company has on its Board%rolls &harted Accountants "anagement graduates from one of the country's premier business schools &FAs "BAs and structural engineers. The team has for its credit a record of having undertaken more than '(( T)* studies across various industries spread over the country. +e are empanelled by ma,or banks in the country for the due diligence of Techno )conomic *iability Studies. At Atlas Financial Services we have been providing professional financial planning advice to our clients since -uly .((/ and mortgage solutions since .((.. +e are 0ualified professionals who can provide you with advice in a range of financial areas whatever your current situation. +e pride ourselves on developing e$cellent working relationships with all our clients to provide comprehensive financial advice based on their individual needs and goals. +e are committed to providing you with personalised customer service and professional financial advice so you can be sure you have the right plan and finance in place to secure your future. +e will also ensure that your Statement of Advice continues to be appropriate for you as your personal situation changes. 1ur training knowledge skills and dedication translate into high20uality advice assisting you to achieve financial wellbeing. At Atlas Financial Services 3!FS4 our mission is 5To deliver financing solutions that enable and enrich the Atlas &ustomer e$perience.5 AFS focuses on delivering value at every step of the &ustomer e$perience. !FS' high degree of integration with Atlas has enabled streamlining of the financing process for &ustomers such as eliminating many manual paper2oriented processes and delivering financing products and services 1nline. This includes6 7Team integration 7 Technology road mapping and asset management to support &ustomers' technology transition plans 7 +eb2enabled solutions from placing finance orders viewing and accepting finance

documentation as well as obtaining information and reports to streamline the financing process for &ustomers Atlas helps financial institutions and corporate issuers in two ways through technology and operations outsourcing and across a number of business categories. Because of our deep e$perience and world2class capabilities your business. 8nvestor &ommunication Solutions Atlas9s fle$ibility and pro$y management e$pertise helps our clients meet current and future regulatory re0uirements with confidence. +e facilitate getting the vote 0uickly and efficiently while ma$imi:ing transparency. Specifically our 8nvestor &ommunication Solutions business involves the processing and distribution of pro$y materials to investors in e0uity securities and mutual funds as well as the facilitation of related vote processing. #ro$y)dge our electronic pro$y delivery and voting solution for institutional investors helps ensure the participation of the largest stockholders of many companies. +e also provide the distribution of regulatory reports and corporate action%reorgani:ation event information as well as ta$ reporting solutions that help our clients meet their regulatory compliance needs. 8n addition we provide financial information distribution and transaction reporting services to both financial institutions and securities issuers. These services include the processing and distribution of account statements and trade confirmations traditional and personali:ed document fulfillment and content management services marketing communications and imaging archival and workflow solutions that enable and enhance our clients9 communications with investors. All of these communications are delivered in paper or electronic form. Securities #rocessing Solutions Atlas offers a suite of advanced computeri:ed real2time transaction processing services that automate the securities transaction lifecycle from desktop productivity tools data aggregation performance reporting and portfolio management to order capture and e$ecution trade confirmation settlement and accounting. 1ur services help financial institutions efficiently and cost2effectively consolidate their books and records gather and service assets under management focus on their core businesses and manage risk. +ith multi2currency capabilities our ;lobal #rocessing Solution supports real2time global trading of e0uity option mutual fund and fi$ed income securities in established and emerging our clients entrust us with mission2critical responsibilities. Across a wide range of needs Atlas offers not only services but solutions for

markets. 8n addition our operations outsourcing solutions allow broker2dealers to outsource certain administrative functions relating to clearing and settlement from order entry to trade matching and settlement while maintaining their ability to finance and capitali:e their business. <ecently we e$tended our services to the buy2side through our ac0uisition of #aladyne Systems. Atlas works to help our clients6 1ur solutions translate into tangible benefits.

#roviding accurate and reliable reporting Streamlining communications and operations processes )ffectively helps manage compliance with e$isting and future regulatory re0uirements )mploying new technologies for investors and advisors to access information and &ontrolling = and reducing = the cost of building processing infrastructure and Saving time with the convenience of a single source instead of multiple providers Automating cumbersome manual processes = for greater accuracy and lower risk Aggregating data from multiple sources making it easier to access and easier to use 8mproving front2office client service with desktop productivity tools for advisors Accommodating multi2currency multi2language global trading capabilities INVESTMENT PLANNING

participate more easily

maintaining systems

portfolio management and performance reporting

Atlas financial service speciali:es in long2term investment planning portfolio design and portfolio implementation for our clients. +e recogni:e that individuals unlike large institutions tend to create investment portfolios over time tend to consume parts or all of them over time and tend also to dispose of parts of them by gifts to loved ones and%or charity during life or at death. +e further recogni:e that investment planning doesn9t occur in a vacuum but is a dynamic process unfolding within the conte$ts both of changing ob,ectives and of substantial ta$es on income gains transfers and accumulations.

investment allocation to fit their goals and risk tolerance. +e do not use >cookie cutter? or model portfolios. 1ur overall investment philosophy is to build investment portfolios that utili:e both core low cost funds for comprehensive asset allocation and tactical positions selected to take advantage of undervalued companies or certain macro level changes in the economy.

An e$ample of a tactical position would be a recommendation to add a commodities fund to a client9s asset allocation to plan ahead for inflation that may rise due to the historic monetary stimulus programs implemented by the Federal <eserve.

+e believe the core strategic allocation should represent @( to A(B of an investors overall portfolio. This allocation should be designed to achieve specific goals or ob,ectives from a risk and return perspective and should always be consistent with the investors overall risk profile. The core strategic allocation should include investments in low cost funds e$change traded funds as well as dividend paying stocks. 8n addition this allocation should be rebalanced periodically in order to take sell asset classes that have risen in value and to buy asset classes that may be trading at a discount to historic valuations.

This core%tactical philosophy allows an investor to keep their long term goals and ob,ectives at the forefront of their portfolio strategy while allowing the investor to ad,ust to e$isting economic conditions by implementing visible tactical investment themes.

#FA believes that there is a continuum of market efficiency. At one end are efficient markets such as the C.S. large company stock market where low cost passive investment strategies like inde$ing have great appeal. At the other end inefficient markets like emerging markets may ,ustify active management. 1ur philosophy allows space for both investment management approaches to co2e$ist in any one client9s portfolio. No Market Timing

#FA believes that investors9 attempts to >time the market? by moving into and out of stocks to avoid periods of negative performance futile and counterproductive to the pursuit of a disciplined long2term investment program. An overwhelming body of evidence supports the common sense notion that the odds of any one person consistently making accurate near2term forecasts of the markets9 direction are very low. "oreover the tendency of positive e0uity market performance to occur in brief spurts highlights the very large risk of being >out of the market? at inopportune times. 1ne or two unsuccessful attempts can undo much of the incremental advantage offered by e0uities over alternative investments.

As long-term (10 ears ! more" strategi# in$estors #FA coaches clients to accept and tolerate sometimes2painful short2term volatility to reap the performance advantages that accrue over the long term. Further #FA maintains a list of twenty stocks which we believe may provide better opportunities for clients to ac0uire good businesses which may >fit? well with their long2term plans.

Ta% Sensiti$it Ta$es represent a significant consideration for every long2term investor. By minimi:ing the amount of ta$es paid annually on portfolio income and reali:ed gains investor9s keep more funds e$posed to attractive investment opportunities targeted toward the achievement of their goals. #FA is keenly aware of the ta$ impacts and ta$ conse0uences of both overall portfolio structure and of specific transactions. #FA e$ercises care in the appropriate placement of investments within ta$able and ta$2 deferred accounts. For e$ample we generally place inde$ and ta$2managed vehicles in ta$able accounts and higher turnover mutual funds in ta$2deferred accounts. However ta$ considerations per se don9t dominate the portfolio management process. 1n an ongoing basis ta$es are considered e$plicitly as portfolios are monitored and when assets are sold. "oreover on an ongoing basis we review all client portfolios and consider the appropriateness of ta$ optimi:ation transactions such as harvesting any ta$ losses.

&orporate office6 &lot no'()* Abo$e +is,a -os&ital* Gan.,i Nagar * - .eraba. -/000(0