1. MUNOTH FINANCIAL SERVICES LIMITED Portfolio Management Services Grow your wealth. Follow the systematic way. Statutory information: Investments in stock markets are subject to market risks. You are advised to read the disclosure document before opening a PMS account.

2. Investment basics While you invest your hard earned money, your objectives would ideally be to a. Maximize Profits. Earn more than the prevailing rates of inflation b. Safeguard capital by reducing risks of capital erosion, reduction in profits or refraining from dead investments c. Avail tax advantages, if possible d. Ensure quick liquidity or easy leverage for meeting any adversities Investments in equity & equity related products offers great potential for high returns but also poses market risks. The market risks however can be lowered systematically by a proper diversification approach and careful selection of stocks.

3. Investment expertise Given the unpredictable nature of stock markets, investing in equities require a. Solid experience b. In-depth knowledge of various business and economic factors c. Time devotion for analysis d. Constant monitoring as market are dynamic A disciplined and systematic approach is quintessential for successful investing.

4. Investment approach As investor you need to, at the least, ensure following to preserve your wealth a. Invest only in companies with continuous growth in profits and sales, say over a period of last three years. b. Balance out between high, mid and small cap companies with smaller exposures to small and mid-cap stocks. c. Fix a tab on investing in any single entity, industry and business house to ensure that you on an overall perspective do not suffer because of bad performance of a particular sector or corporate. d. Time the purchase and maintaining restraint & caution while buying stocks at or nearing their peaks. e. Book profits at opportune time.

5. What suits you? Mutual Fund If you are a small investor and your total investment corpus is less than INR 25 lakhs, you should opt for investing thru mutual funds. There are many mutual funds catering specifically to various asset classes or industries. There are some balanced schemes which invest both in equity or debt. You should check the performance of the fund manager and the mutual fund company before deciding on your investments. PMS If your investments are beyond INR 25 lakhs, investing thru a PMS account will be a better option for you. A customized management of your funds will give you the advantage to investing in sync with what suits your expectations. As your investments are sizable, it is vital for you to allow professional to take informed calls for you rather than you yourself taking decisions. Your systematic risks in PMS account is to a large extent reduced because of careful selection of stocks, better timings, balanced investing approach and so forth. Direct Investments If you are a small investor and aiming at very long term investments, you may also consider direct investments provided you have knowledge and wherewithal to identify dark horses.

6. Advantages of PMS account Some of the visible benefit of allowing experts to manage your investments - Scientific investment decisions curbs wrongful investing and consequential capital erosions Expertise of fund managers enables investments in high growth potential entities Transparency and stringent SEBI regulations ensures safety and accountability. It further acts as a safety net Timely reviews and periodic updates keep you under full knowledge on performance of your investments Customized plan drawn for you is based on your risk profile and aptly addresses your risk, return and liquidity aspects

7. PMS offerings by MFSL MFSL offers customized offerings for its client. We begin with understanding your existing demographic profile, investment patterns, nature of business and so forth. And based on your assessment, we will recommend / advice on following aspects: Size of your Portfolio account. Plus, planned additional add-on investments quarter on quarter. Type of Portfolio account you should open. PMS is broadly offered as discretionary and non-discretionary. In discretionary module, the investment decisions are solely taken by portfolio manager while in non-discretionary module, the recommendations are made by Portfolio Manager but the final decision rests with the clientele. Where to allocate your investments? Debt & money market, Equity & equity related others. Various risk parameters which needs to be addressed are Industry risks, Performance risks, Management risks, Leverage risks, Valuation risks How to decide allocations within equity instruments while considering market cap wise exposures; sector, entity or business house exposures; and risk levels.

8. The four steps process MFSLs methodical approach starts with building universe of stocks based on customized filtration criterion for you followed by wholesome analysis on basis of which investment decisions are taken.

9. The earn more approach Discovering blockbusters Tracking entities having potential for extraordinary growth. Continuous monitoring Pruning risky gambits Avoiding very highly leveraged entities, poorly rated management, extremely competitive & very thin margin businesses. Timing the market Entry & exit levels after thorough evaluation of market activities & sentiments, news & happenings. Patience is vital for success in investments. Diversification to contain risks Low, medium, high cap stocks Industry, business house, company specific exposures Overall portfolio beta, P/E limits Copyright 2014

10. The stock filtering formulae Qualitative aspects Management experience & expertise Good governance & transparency Product patents, technology know-how Industry overview Current aspects & trends Entry barriers & competition Government controls Quantitative tools Past performance track records & consistency [using about 100 measures] Leverage, operating margins, returns on assets, etc. Growth potential Emerging technology, new innovation Newer geographies Copyright 2014

11. The Portfolio balancing exercise Mitigating risks by pragmatic diversifications. Restrict over exposure using considering following parameters Market capitalisations & trading volumes Industry, company and business house exposure Overall P/E, beta values Copyright 2014

12. The track record MFSLs recommendations surpassed SENSEX by 250%. * Between August 2013 to April 2014

13. MFSL MFSL has over 15 years of experience in providing Portfolio Management Services. The company periodically invests in technology to ensure that its customers get access to seamless, secured and quick service. The managements rich experience is well complimented by its qualified, experienced and trained manpower. MFSL is promoted by a century old Chennai based Munoth group. The company also offers Merchant Banking, Stock Broking & Dematerialization Services and Mutual Fund & IPO distribution. It caters to institutional, corporate, HNIs and retail clienteles. MFSL, appointed by IL&FS, is also the investment manager of Valmark Infra & Realty trust, a category II Alternate Investment Fund. Contact us now for more information www.munothfinancial.com info@munothfinancial.com

14. Registration details Depository Participant IN DP NSDL 3-0-97 Merchant Banking INB000003739 NSE CM INB 230803634 NSE Derivative INF 230803634 PMS INP000000308 MAPIN 1000002089 CIN L6599TN1990PLC019836 Registered office Munoth Financial Services Limited, Munoth Centre, 3rd Floor, 343 Triplicane High Road, Chennai 600 005. +91 44 2859 1185, info@munothfinancial.com , www.munothfinancial.com