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Financial Plan specially prepared for Neeraj Mehta

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PLAN SUMMARY
Self Spouse Contact Details
Name: Neeraj Mehta Name: Parul Mehta Home Address:
DOB: Jun 1, 1978 DOB: Dec 30, 1979 B 123 Bancourt Apartment, Sec 43,
Age: 31 Age: 30 Gurgaon
Pan no: Pan no: Email: n.mehtaabc@gmail.
Occupation: Project Manager, XYZ Occupation: com
Pvt Ltd Contact No. 9191895675

Family Members and Dependants


Name Relationship Date of Birth Age (years) Dependant
Savitri Mehta Mother Jun 1, 1950 59 Yes
Sumit Mehta Son Aug 5, 2002 7 Yes

Based on the financial plan specially prepared for you, following table shows whether you can meet your goals or not.
Goal Name Goal Year Is Goal Met
Sumit Education 2021 Yes
Emergency 2010 Yes
Purchase Of Car 2011 Yes
House Purchase 2016 Yes
Retirement 2033 Yes

Investment Recommendations (Till Suggested Renewal Date – 1 Jan 2011)


For Meeting Goals
Asset Name Buy/Sell Sales Proceeds Surplus Income Monthly Investments (
Contribution Contribution average)

ICICI Prudential Sell 22418 0 0


Infrastructure Fund - Growth
Tata Infrastructure Fund - Sell 19600 0 0
Growth
NHPC Sell 56000 0 0
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Investment Recommendations (Till Suggested Renewal Date – 1 Jan 2011)


For Meeting Goals
Asset Name Buy/Sell Sales Proceeds Surplus Income Monthly Investments (
Contribution Contribution average)
TCS Sell 80000 0 0
Infosys Sell 92456 0 0
DSP BlackRock Equity Fund Buy 75505 107715 8976
- Growth
HDFC Top 200 - Growth Buy 26913 38394 3200
Reliance RSF - Balanced - Buy 47354 67555 5630
Growth
Birla Sun Life Income Fund - Buy 57066 81410 6784
Growth
ICICI Prudential Income Buy 63634 90780 7565
Fund -Growth

For Getting Rich, you have investments and funds worth Rs. 0 this year which is beyond what you need for meeting your goals. iTrust
recommends following allocation for this money. However, you can work out a more suitable investment of this fund based on what your
Relationship Manager recommends:

Investment Recommendations (Till Suggested Renewal Date – null)


For "Getting Rich"
Asset Name Buy/Sell Sales Proceeds Surplus Income Monthly Investments (
Contribution Contribution average)

For all mutual fund transactions that you do with iTrust, you will get an online account where you can track performance of your
investments every day.

Protection Recommendations

Please note that insurance need is as of 1 Jan 2010, we will re-evaluate your insurance need during plan renewal next year and suggest you if
you need to increase or decrease insurance taken.

We have put lot of effort to make a plan that best suits your needs. Your relationship manager would take you through the rest of the plan,
and would explain you how we have arrived at above mentioned recommendations.

Your Relationship Manager would also give you a copy of Blackbox Recovery Kit, which can help your family in case of an emergency. We
believe in maintaining a life – long relationship with you, so if you have any suggestions or complaints, you can contact iTrust at:

(0124)4780222 or FinancialPlanning@iTrust.in
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CASHFLOW
Cashflow for the current calendar year (remaining 12 months)
Description Remaining Current Year
Income
Salary-CTC 2,021,316
Salary - Variable 0
Income from business/profession 0
Pension 0
Rental income 0
Investment Income 0
Annuity 0
Other income 0
Total Income 2,021,316
Expense
Living Expenses -850,000
Loan EMIs -181,512
Insurance Premiums -51,707
Other Expenses 0
Other Deduction From Salary 0
Taxes -374,064
Total Expense -1,457,283
Excess (shortage) before Savings 564,033

Savings
PF 178,176
Superannuation 0
Other Committed Savings 0
Total 178,176
Discretionary Surplus 385,857

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CASHFLOW
Cashflow for the next year (2011)
Description Next Year
Income
Salary-CTC 2,223,448
Salary - Variable 0
Income from business/profession 0
Pension 0
Rental income 0
Investment Income 0
Annuity 0
Other income 0
Total Income 2,223,448
Expense
Living Expenses -935,000
Loan EMIs -181,512
Insurance Premiums -52,220
Other Expenses -52,500
Other Deduction From Salary 0
Taxes -411,470
Total Expense -1,632,702
Excess (shortage) before Savings 590,746

Savings
PF 195,994
Superannuation 0
Other Committed Savings 0
Total 195,994
Discretionary Surplus 394,752

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NET WORTH
Your total Networth is 1,829,622
Assets Amount Liabilities Amount
Liquid Assets Home loans 0
Savings account 550,000 Vehicle loans -585,246
Liquid funds 0
Education loans 0
Financial Assets Personal/Credit card loans 0
Cash value of life insurance policies 96,287
Other loans 0
Fixed interest investments 516,193
Mutual funds 83,931
Total Liabilities -585,246
Others 0
Direct equity 228,456
Employee stock option plan (ESOP) 0

Tangible Assets
Real estate 0
Other assets (eg. Art, Coin and Stamp Collections) 0
Gold 0

Personal Assets
Primary house 0
Vacation home 0
Car/Vehicle 0
Jewellery 0
Other personal assets 0

Retirement Assets
Provident fund 800,000
Superannuation 0 Your total Networth is 1,829,622
Gratuity 0
Public provident fund 140,000
Cash value of pension plan 0
Total Asset 2,414,867

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FINANCIAL GOALS
Retirement Goal
Retirement start Year Retirement end year Annual expense during Is Goal met ?
retirement (in today's value)
2033 2059 750,000 Yes

Non-Recurring Goal
Name Goal Year Inflation Rate (%) Today's Value In Goal Year Priority Is Goal Met?
Emergency 2010 180,536 180,536 1 Yes
Purchase Of Car 2011 5 1,000,000 1,050,000 3 Yes
House Purchase 2016 5 4,000,000 5,360,383 6 Yes

Recurring Goal
Name Today's Value priority Inflation Start Year End Year Frequency Is Goal Met?
Sumit 200000 4 10 2021 2027 1 Yes
Education

Risk Profile

Based on your responses to risk profiling questionnaire, we have evaluated that you have a Moderate risk profile.

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Understanding Goal Financing


The following section presents our analyses and recommendations on how to finance your financial goals and how to grow your wealth after
you have set aside sufficient funds to meet your stated goals.

Our approach to managing your investments is divided into two distinct parts:

1.Core investment strategy – a relatively safe approach to saving for emergencies, for meeting short term and long term goals and for
planning life after retirement

2.'Get Rich' strategy – after you are comfortable that you have taken care of your goals, a strategy that enables you to take higher risk and
benefit from opportunities in the market to grow your wealth and get rich

The above approach helps you to clearly separate the portion of your capital that you want to set aside safely without taking undue risk to
meet you important life goals such as your child’s education and marriage or to ensure that you have enough money to meet your expenses
and lead a happy life during retirement.

You can then invest your leftover capital without worrying about whether you will be able to finance your goals or not. You can knowingly and
in an informed manner take on higher risk that could help you to get rich.

Core investment strategy

This strategy is developed keeping in mind your risk profile, your particular goal and time horizon for meeting that goal. Every goal will have a
specific recommended investment portfolio based on the above. These individual portfolios are designed using intelligent diversification to
protect you from taking more than your desired level of risk.

Each goal will be financed in order of priority through a combination of your existing assets and the monthly surplus (excess of income over
expenses) that you regularly generate. We recommend that you save in a consistent manner for every goal, as far as possible, so that your
portfolio for that goal increases steadily with time till you achieve the desired amount.
Please keep in mind that based on your present income levels and projected growth it is possible that some of your goals may not be met.
This may necessitate reprioritizing your goals or even reducing some of your goal amounts.

You will receive an action plan that clearly outlines any change that you may need to make in your existing investments. You will also receive
an investment plan for the regular monthly surpluses that you generate.

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'Get Rich' strategy

This strategy is also developed keeping in mind your individual risk profile but it allows you to take on a higher level of risk than you would
take when saving for your goals. You could choose to take advantage of short-term investment opportunities that arise in the market to try and
maximize your wealth and get rich.

We will design a specific get rich portfolio for you but will provide the flexibility for you to invest in certain instruments based on your personal
preference. You can use a combination of your existing assets and your monthly surplus left over after financing your goals towards building
your get rich portfolio.

You will receive a separate action plan to help you grow your wealth.

A few things to keep in mind

1.None of your personal assets such as your home or jewelry has been included to finance your goals or used towards your get rich portfolio.
They are however reflected in your net worth statement

2.The action plans submitted to you for both the core investment strategy and the aggressive strategy are our recommendations. The final
decision to invest according to a particular strategy is yours alone

3.None of the results forecasted by us are guaranteed

4.The action plans need to be reviewed at least on an annual basis to help you stay on track. This annual review is similar to an annual health
check up that you must undergo to make sure that nothing has gone wrong since the previous check up

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Core investment strategy


for
financing your goals

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Your Current Assets/Investments


Assets not to be used for financing goals

Assets to be used for goal financing (insurance maturity proceeds not shown here)

Name Asset Type Fund Type Maturity Present Value


ICICI Bank Savings account Cash and money market 2010 400,000
Citi Bank Savings Savings account Cash and money market 2010 150,000
PPF Balance Self Public provident fund Debt Investments 2024 70,000
PPF Balance Parul Public provident fund Debt Investments 2024 70,000
NHPC Direct equity Direct Equity 2010 56,000
TCS Direct equity Direct Equity 2010 80,000
Infosys Direct equity Direct Equity 2010 92,456
ICICI Prudential Infrastructure Mutual funds Sectoral Funds 2010 23,995
Fund - Growth
Tata Infrastructure Fund - Mutual funds Sectoral Funds 2010 19,600
Growth
DSP BlackRock Top 100 Equity Mutual funds Large Cap Funds 2010 22,831
Fund - Growth
DSP BlackRock India Tiger Mutual funds Diversified Equity 2010 17,505
Fund - Growth
HDFC FD Fixed interest investments Debt Investments 2012 259,418
ICICI FD Fixed interest investments Debt Investments 2011 256,775

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Assumptions
Assumptions made while planning:
1. Life expectancy for Neeraj Mehta is 80 years
2. Life expectancy for Parul Mehta is 80 years
3. Retirement age of Neeraj Mehta is 55 years
4. Retirement age of Parul Mehta is 55 years
5.Tax duductions, savings and other deduction information were taken from payslip/other documents you provided.
6. Current year's surplus for the remaining year is Rs.385857

Assumed growth rate for Asset/Fund Classes (Growth rates are based on long term historical returns)
Asset/Fund class Assumed growth rate (%)
Cash and money market 6.5
Debt Investments 8
Index Funds 11
Large Cap Funds 12.3
Mid Cap Funds 13.45
Diversified Equity 12.55
Balanced Funds 11.25
Sectoral Funds 15
Real Estate 15
Art 14
Gold 8
International Equity Investments 14
Commodity 14
Current year's surplus 6.5
Direct Equity 12.5

Assumed Income Growth Rates


Income Name Income Type Growth Rate (%) From (Year) To (Year)
Fixed Salary Salary Fixed 10 2010 2033

Assumed Expenses Growth Rates


Expense Name Expense Type Growth Rate (%) From (Year) To (Year)
Household Expenses Household expenses 10 2010 2033
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Expense Name Expense Type Growth Rate (%) From (Year) To (Year)
Tax On Fixed Salary Tax on Salary- Fixed 10 2010 2033
Travel Expenses Travel and Vacation 10 2011 2033
retirementExpense Retirement Expenses 10 2010 2033
retirementExpense Retirement Expenses 5 2033 2058

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Following pages will show how each of your goal has been financed. This page tells you how to read and understand each goal page.

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Goal : Emergency
1. Description
Name Inflation Goal Year Today's Value In Is Met?
Rate (%) Value Goal Year
Emergency 2010 180,536 180,536 Yes

Loan EMI deficit

Recommended Portfolio Return: 6.5%


2. Goal funding

a. Existing Assets
Name Amount Year
ICICI Bank 180,536 2010
b. Loans

c. Current Year Surplus

The contribution of current year surplus to finance this goal is Rs. 0. Refer to the annexure for contribution to be made in future years.

3. Goal Funding and portfolio chart

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4. Analysis

Your current assets and surplus income contribution are sufficient to meet your emergency goal. Typically, one

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must keep 3-6 months of living expenses in the emergency fund to meet any future contingencies.

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Goal : Purchase Of Car


1. Description
Name Inflation Goal Year Today's Value In Is Met?
Rate (%) Value Goal Year
Purchase Of 5 2011 1,000,000 1,050,000 Yes
Car

Loan EMI deficit

Recommended Portfolio Return: 8.42


%
2. Goal funding

a. Existing Assets
Name Amount Year
ICICI Bank 180,000 2010
Citi Bank Savings 150,000 2010
Infosys 92,456 2010
ICICI Prudential 23,194 2010
Infrastructure Fund -
Growth
Tata Infrastructure Fund - 18,825 2010
Growth
b. Loans
Start Date Tenure Amount Emi interest (%)
Jan 1, 2011 60 400,000 8,697 11

c. Current Year Surplus

The contribution of current year surplus to finance this goal is Rs. 185526. Refer to the annexure for contribution to be made in future years.
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3. Goal Funding and portfolio chart

4. Analysis

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Your current assets and surplus income contribution are sufficient to meet your Car Purchase Goal.

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Goal : Sumit Education


1. Description
Name Inflation Start Year End Frequency
Amount Is Met
Year ?
Sumit 10.0 2021 2027 1 200000.0 Yes
Education

Loan EMI deficit

Recommended Portfolio Return: 11.05


%
2. Goal funding

a. Existing Assets
Name Amount Year
ICICI Bank 39,464 2010
PPF Balance Self 205,604 2024
TCS 80,000 2010
HDFC Young Star 1,010,894 2027
b. Loans

c. Current Year Surplus

The contribution of current year surplus to finance this goal is Rs. 131370. Refer to the annexure for contribution to be made in future years.

3. Goal Funding and portfolio chart

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4. Analysis

Your current assets and surplus income contribution are sufficient to meet Sumit's Education Goal.

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Goal : House Purchase


1. Description
Name Inflation Goal Year Today's Value In Is Met?
Rate (%) Value Goal Year
House 5 2016 4,000,000 5,360,383 Yes
Purchase

Loan EMI deficit


Year Amount
2033 231,605
2034 231,605
2035 231,605
2036 0

Recommended Portfolio Return: 10.12


%
2. Goal funding

a. Existing Assets
Name Amount Year
PPF Balance Parul 205,604 2024
NHPC 56,000 2010
ICICI FD 293,339 2011
LIC Money back policy 20 20,000 2011
yr.
LIC Money back policy 20 52,000 2016
yr.
HDFC Young Star 103,984 2027
b. Loans
Start Date Tenure Amount Emi interest (%)
Feb 1, 2016 240 2,000,000 19,300 10

c. Current Year Surplus

The contribution of current year surplus to finance this goal is Rs. 68961. Refer to the annexure for contribution to be made in future years.
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3. Goal Funding and portfolio chart

4. Analysis

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Your current assets and surplus income contribution are sufficient to meet your House Purchase Goal.

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RETIREMENT PLANNING
Description
Post-retirement income, expense and funding gap

Estimated Portfolio Return: 11.05%

Funding Gap = Yearly Income (from existing sources such as pension plans, insurance policies and rental income) –
Yearly Expense (as per your life style)
As you can see from graph above that there is shortfall during several post-retirement years. Retirement planning is all about creating provision for this shortfall so that
you can easily meet all your expenses once you retire.

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1.Retirement Goal
Name Current Amount Growth From Year To Year
retirementExpense 750000 10 2010 2033
retirementExpense 750000 5 2033 2058

2.Retirement goal funding

a. Post retirement income

Name Amount Growth (%) From (Year) To (Year)

b. Provident fund details

Current PF balance PF balance at retirement PF balance utilized for Surplus PF at retirement age
financing retirement expense
800,000 32,047,945 32,047,945 0

c. Superannuation details

Current SA balance SA balance at retirement SA utilized for financing post – Surplus SA at retirement age
retirement expenses
0 0 0 0

d. Existing assets

Name Amount Year


DSP BlackRock Top 100 Equity Fund - 22,205 2010
Growth
DSP BlackRock India Tiger Fund - Growth 16,908 2010
HDFC FD 318,187 2012

e. Current year surplus

The contribution of current year surplus to finance this goal is Rs. 0

3. Goal funding and portfolio chart

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4. Analysis

Your current assets and surplus income contribution are sufficient to meet your
Retirement Goal.

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GOAL FINANCING SUMMARY


Usage of assets to fund Goals
Assets Year Funds used for Goal Financing Funds not used for Goal
Financing
ICICI Bank 2010 400,000 0
Citi Bank Savings 2010 150,000 0
PPF Balance Self 2024 205,604 0
PPF Balance Parul 2024 205,604 0
NHPC 2010 56,000 0
TCS 2010 80,000 0
Infosys 2010 92,456 0
ICICI Prudential Infrastructure Fund - 2010 23,194 0
Growth
Tata Infrastructure Fund - Growth 2010 18,825 0
DSP BlackRock Top 100 Equity Fund - 2010 22,205 0
Growth
DSP BlackRock India Tiger Fund - 2010 16,908 0
Growth
HDFC FD 2012 318,187 0
ICICI FD 2011 293,339 0
LIC Money back policy 20 yr. 2011 2011 20,000 0
LIC Money back policy 20 yr. 2016 2016 52,000 0
HDFC Young Star 2027 1,114,878 0

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Portfolio Realignment
Investments Current Recommended Repositioning
Cash and money market 550,000 298,782 -251,218
Debt Investments 0 562,974 562,974
Large Cap Funds 22,205 151,487 129,282
Diversified Equity 16,908 149,220 132,312
Balanced Funds 0 82,981 82,981
Sectoral Funds 42,018 0 -42,018
Current year's surplus 385,857 0 -385,857
Direct Equity 228,456 0 -228,456
Total 1,245,444 1,245,444 0

Goal ULIP Repositioning


Investments Current Recommended Repositioning
Equity 29,250 29,761 511
Debt 15,750 12,989 -2,761
Cash 0 2,250 2,250
Total 45,000 45,000 0

Investment Advice : Action Plan


Fund Name Buy/Sell Sell Amount Sell Amount Surplus Amount
Contribution Contribution
ICICI Prudential Sell 22418 0 0
Infrastructure Fund -
Growth
Tata Infrastructure Fund - Sell 19600 0 0
Growth
NHPC Sell 56000 0 0
TCS Sell 80000 0 0
Infosys Sell 92456 0 0
DSP BlackRock Equity Buy 0 75505 107715
Fund - Growth
HDFC Top 200 - Growth Buy 0 26913 38394
Reliance RSF - Balanced - Buy 0 47354 67555
Growth
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Fund Name Buy/Sell Sell Amount Sell Amount Surplus Amount


Contribution Contribution
Birla Sun Life Income Fund Buy 0 57066 81410
- Growth
ICICI Prudential Income Buy 0 63634 90780
Fund -Growth

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Confidential 34

PROTECTION PLANNING

The purpose of this protection planning section is to examine existing insurance coverage and your protection needs. The goal is to determine whether
there is adequate coverage or if any additional coverage is needed.

Life insurance

Life insurance coverage is essential to ensure that, in the event of your death, your dependants do not face any financial
difficulties. It is important that they receive a sum of money that is sufficient to help them meet their living expenses, achieve
all your goals and pay all your outstanding liabilities.

Observation
Currently, you are insured by 3 life insurance policies worth Rs.38 lakh for which you are paying a premium of Rs. 41444.
Please see Annexure 1 for details

Analysis
As per our analysis you do not have sufficient insurance coverage to take care of your dependants' financial requirements (
your spouse) and pay off your liabilities in the event of your death. Please see detailed analysis in Annexure 2.

Recommendation
According to our analysis, there is a shortfall of Rs.2.23 Cr. in your insurance cover. Your relationship manager will assist
you in choosing the right product.

Health insurance

It is important to have adequate health insurance coverage. Illness reduces you ability to earn and at the same time it impacts
your financial health due to an unforeseen increase in medical expenses. This is especially important given the rapid increase
in health care costs in India in recent times.
Even if you have an employer provided health plan, it is always advisable to have a private health insurance plan. Often an
employer provided plan does not fulfill all needs. Further, if you were to change your job, you would not get any coverage
during your transition period. And, your new plan may not cover any pre-existing ailments.

As you grow older you are more prone to getting diseases, so the sooner you buy a health plan the better it is.

Observation

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Confidential 35

You have disclosed that you have Individual health plan from Royal Sundaram of Sum Assured Rs.4 lakh for which you are
paying a premium of Rs. 6891.

Analysis
If you or your spouse do not have Adequate health cover it is important to buy one in order to protect your family in the event
of an accident or a medical emergency. Also, having health insurance now will ensure that any illness at a later age is not
excluded from your health plan on account of being a pre-existing disease. A family floater policy is more convenient and
relatively economical in comparison to buying individual policies for each family member.

Recommendation
We recommend you to buy a family floater health insurance for you, your spouse and children. You need to take an
individual policy on your mother's name as she will not be covered under this scheme. Apollo Munich is giving a coverage
for life time. Also, National Parivar health insurance cover is a comprehensive health plan. Your Relationship Manager will
assist you in buying the right product.

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DISCLAIMER
1.This plan is prepared solely for the use of the client to whom it is addressed.

2.This financial plan is based on information detailed in your personal Client Information and Investment Profile Questionnaire and personal discussions
with you. A copy of your Questionnaire is available on request. You must read the information contained in the Questionnaire and in this financial plan
carefully. If you believe that any relevant information may have been overlooked or misinterpreted, please contact us before proceeding with the
implementation of the plan.

3.We have relied on information supplied to us by you, which, we have assumed to be correct. No responsibility can be accepted if the information that
you have provided is incorrect or inaccurate.

4.This financial plan is a forward-looking document. The words "forecast", "anticipate", "estimate", "project", "intend", "expect", "should", "believe", and
similar expressions are intended to identify forward-looking statements. These forward- looking statements involve, and are subject to known and
unknown risks, uncertainties and other factors, which could cause actual results, performance or achievements to differ from the future results,
performance or achievements expressed or implied by such forward-looking statements. All forward-looking statements attributable to iTrust herein are
expressly qualified in their entirety by the above mentioned cautionary statement. iTrust does not accept any direct or indirect liability for any results,
performance or achievements that differ from results, performance or achievements implied by such forward-looking statements.

5.We do not promise that the investments you make based on this plan will be profitable. The investments are subject to various market, currency,
economic, political and business risks. We will not be liable for any losses that may be caused directly or indirectly by circumstances beyond our
reasonable control or on account of our good faith decisions or actions.

6.This document does not constitute an offer to sell or a solicitation of an offer to buy any security or other financial product, which may be referred to
herein.

7.This financial plan is based on your current situation and goals, which will change with the passage of time and your age. Any material change in your
financial situation will necessarily render the contents of the plan out of date. Material changes refer to change in income/salary levels, assets acquired
, liabilities incurred, change in number of dependants, health condition, or the passage of time of more than 12 months or the effect of inflation or
deflation.

8.We strongly recommend that a) you review this plan periodically to ensure that your plan’s actual performance is consistent in meeting your goals,
and b) you update your plan annually to ensure that your plan is updated for your changing situation and goals.

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Confidential 37

Annexure1

Insured Company Type Term Premium Year of Year of Sum Assured Annual
Name Paying Term Commencement Maturity Premium
Neeraj Mehta ICICI LIfe Term Plan 30 30 2008 2038 3,500,000 17,000
Guard
Neeraj Mehta LIC Money Other 20 20 1996 2016 100,000 6,444
back policy 20 Traditional
yr. Plan
Neeraj Mehta HDFC Young ULIP 20 20 2007 2027 200,000 18,000
Star
Total 3,800,000 41,444

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Confidential 38

Annexure-2
Life Insurance Need Analysis
Self Spouse
A. Survivor's Living Expenses
Household expenses 14,848,892 0
House rent 0 0
Education expenses 0 0
Retirement Expenses 10,263,447 0
B. Other Expenses
Travel and Vacation 0 0
Charity 0 0
Others 59,652 0
Life Insurance 0 0
C. Outstanding Debt to be Paid off
Home loans 0 0
Vehicle loans 585,246 0
Education loans 0 0
Personal/Credit card loans 0 0
Other loans 0 0
D.Protection for Goals
House/Land Purchase 0 0
Jewellery and Arts 0 0
Purchase of car 0 0
Education 1,811,279 0
Marriage 0 0
Other 0 0

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Confidential 39

E.Assets Currently Available to Support Family


Liquid Assets
Savings account 550,000 0
Liquid funds 0 0
Financial Assets
Cash value of life insurance policies 0 0
Fixed interest investments 516193 0
Mutual funds 83931 0
Others 0 0
Direct equity 228456 0
Employee stock option plan (ESOP) 0 0
Tangible Assets
Real estate 0 0
Other assets (eg. Art, Coin and Stamp Collections) 0 0
Gold 0 0
Retirement Assets
Provident fund 800,000 0
Superannuation 0 0
Gratuity 0 0
Public provident fund 140,000 0
Cash value of pension plan 0 0
F.Other Regular Income 0 0
G.Survivor's Estimated Annual Income From Employment 0 0
H.Total Available Funds to Cover Expenses,Loans and Goals 2,318,580 0
I.Life Insurance Coverage Required 25249937 0
J.Life Insurance Coverage Already Available 3,800,000 0
K.Additional Insurance Required(I-J) 21,449,937 0

Copyright 2007. All Rights Reserved. No part of this document may be reproduced without the express consent of iTrust.
Confidential 40

Surplus Allocation Table

Surplus allocation table shown below might be broken into 2 or more "partial tables" if there are more than 9 goals in this plan.
Last column of each partial table displays carryforward balance, which becomes opening balance for that particular year in next partial table.
However, in last partial table, final column displays the balance after funding all goals.

Year Available Retirement House Sumit House Purchase Of Purchase Of Asset Balance
Surplus Purchase Education Purchase Car Loan 0 Car Funding
Loan 0
2,010 385,857 0 0 -131,370 -68,961 0 -185,526 0 0
2,011 394,752 0 0 -131,370 -159,018 -104,364 0 0 0
2,012 457,061 0 0 -131,370 -221,328 -104,364 0 0 0
2,013 525,629 0 0 -131,370 -289,895 -104,364 0 0 0
2,014 782,593 0 0 -131,370 -546,859 -104,364 0 0 0
2,015 865,620 0 0 -131,370 -629,887 -104,364 0 0 0
2,016 963,426 -86,874 -212,305 -131,370 -532,877 0 0 0 0
2,017 1,063,956 -700,492 -231,605 -131,370 -489 0 0 0 0
2,018 1,174,574 -811,109 -231,605 -131,370 -489 0 0 0 0
2,019 1,296,289 -932,825 -231,605 -131,370 -489 0 0 0 0
2,020 1,430,214 -1,066,750 -231,605 -131,370 -489 0 0 0 0
2,021 1,577,571 -1,225,822 -231,605 -119,655 -489 0 0 0 0
2,022 1,739,706 -1,415,504 -231,605 -92,108 -489 0 0 0 0
2,023 1,918,098 -1,620,145 -231,605 -65,858 -489 0 0 0 0
2,024 2,114,376 -1,834,757 -231,605 -47,524 -489 0 0 0 0
2,025 2,330,329 -2,074,892 -231,605 -23,343 -489 0 0 0 0
2,026 2,567,929 -2,095,914 -231,605 0 -489 0 0 0 239,920
2,027 2,847,342 -2,095,914 -231,605 0 -489 0 0 0 519,333
2,028 3,134,953 -2,095,914 -231,605 0 -489 0 0 0 806,944
2,029 3,451,383 -2,095,914 -231,605 0 -489 0 0 0 1,123,374
2,030 3,799,518 -2,095,914 -231,605 0 -489 0 0 0 1,471,509
2,031 4,182,531 -2,095,914 -231,605 0 -489 0 0 0 1,854,522
2,032 4,603,914 -2,095,914 -231,605 0 -489 0 0 0 2,275,905
2,033 -838,196 0 -231,605 0 0 0 0 231,605 -838,196
2,034 -7,068,513 0 -231,605 0 0 0 0 231,605 -7,068,513
Copyright 2007. All Rights Reserved. No part of this document may be reproduced without the express consent of iTrust.
Confidential 41

Year Available Retirement House Sumit House Purchase Of Purchase Of Asset Balance
Surplus Purchase Education Purchase Car Loan 0 Car Funding
Loan 0
2,035 -7,421,089 0 -231,605 0 0 0 0 231,605 -7,421,089
2,036 -7,791,293 0 0 0 0 0 0 0 -7,791,293
2,037 -8,180,008 0 0 0 0 0 0 0 -8,180,008
2,038 -8,571,158 0 0 0 0 0 0 0 -8,571,158
2,039 -8,999,716 0 0 0 0 0 0 0 -8,999,716
2,040 -9,449,702 0 0 0 0 0 0 0 -9,449,702
2,041 -9,922,187 0 0 0 0 0 0 0 -9,922,187
2,042 -10,418,297 0 0 0 0 0 0 0 -10,418,297
2,043 -10,939,211 0 0 0 0 0 0 0 -10,939,211
2,044 -11,486,172 0 0 0 0 0 0 0 -11,486,172
2,045 -12,060,481 0 0 0 0 0 0 0 -12,060,481
2,046 -12,663,505 0 0 0 0 0 0 0 -12,663,505
2,047 -13,296,680 0 0 0 0 0 0 0 -13,296,680
2,048 -13,961,514 0 0 0 0 0 0 0 -13,961,514
2,049 -14,659,589 0 0 0 0 0 0 0 -14,659,589
2,050 -15,392,569 0 0 0 0 0 0 0 -15,392,569
2,051 -16,162,197 0 0 0 0 0 0 0 -16,162,197
2,052 -16,970,307 0 0 0 0 0 0 0 -16,970,307
2,053 -17,818,823 0 0 0 0 0 0 0 -17,818,823
2,054 -18,709,764 0 0 0 0 0 0 0 -18,709,764
2,055 -19,645,252 0 0 0 0 0 0 0 -19,645,252
2,056 -20,627,514 0 0 0 0 0 0 0 -20,627,514
2,057 -21,658,890 0 0 0 0 0 0 0 -21,658,890
2,058 -22,741,835 0 0 0 0 0 0 0 -22,741,835

Copyright 2007. All Rights Reserved. No part of this document may be reproduced without the express consent of iTrust.

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