NJ India Pvt. Ltd.

A evolving, emerging & enterprising group with its' roots in the financial services sector and today expanding
into newer horizons with great passion.

The vision of the group is to be leaders in businesses driven by customer satisfaction, commitment to
excellence and passion for continued value creation for all stakeholders. This vision has helped us grow and
build the trust of our customers and associates which is at the cornerstone of everything we do. Trust is also at
the heart of our success and the driver for passion for our success.

NJ Group is a leading player in the Indian financial services industry known for its' strong distribution
capabilities. The journey of NJ began in 1994 with the establishment of NJ India Invest Pvt. Ltd., the
flagship company, to cater to investor needs in the financial services industry. Today, the NJ Wealth Distributor
Network, earlier known as the NJ Fundz Network, started in 2003 is among the largest networks of financial
products distributor in India.

Over the years, NJ Group has diversified into other businesses and today has the presence in businesses
ranging from financial products distributor network, asset management, real estate, insurance broking,
training & development and technology. Our rich experience in financial services, combined with executional
capabilities and strong process & system orientation, has enabled us to shape a rising growth trajectory in our
businesses.

NJ Group is based out of Surat in Gujarat (India) and has presence in 94* locations in India and has over
1,400+* employees.

Management Team:

Mr. Neeraj Choksi & Mr. Jignesh Desai (R) are two first generation entrepreneurs who began the journey of
'NJ' in 1994. The promoters of the NJ Group were friends since their college years and the bond between Mr.
Neeraj & Mr. Jignesh has been instrumental in the success of NJ. Discussing upon important things before
taking any decision, is a habit that they have followed ever since they shared their hostel room in Vidhyanagar,
where Mr. Neeraj was studying his management courses and Mr. Jignesh was into engineering. They both have
a complementary style of functioning that augurs perfectly well for the business.

Corporate Governance at NJ is based on the following main principles:

 Timely and strict compliance to all established rules, regulations and guidelines
 Building sound system of risk management and internal control.
 Timely and balanced disclosure and communication of all material information to all stakeholders.
 Transparency and accountability in all practices
 Fair and equitable treatment of all its stakeholders including employees, associates, customers &
community
 NJ Wealth – Financial Products Distrbution Network

NJ Wealth - Financial Products Distributors Network is one of India's leading and most successful network of
distributors in the financial services industry.

Started in 2003, the NJ Wealth seeks to reach out to the common man and extend the opportunity to create
wealth through an empowered network of financial product distributors – the NJ Wealth Partners. To its
Partners, NJ Wealth provides a full service, comprehensive business platform with end-to-end solutions critical
for success in financial products distribution practice. With it's compelling set of offerings covering every area
of distribution practice, NJ Wealth has managed to successfully transform the lives of many small and big
distributors.

To the common man, NJ Wealth offers a comprehensive wealth management platform with a wide choice of
financial and non-financial products. Backed by high levels of excellence in operational and service standards,
NJ Wealth offers customers of its' Partners with solutions that truly makes a difference.

Driven by the strong vision of 'Creating Wealth and Transforming Lives', NJ Wealth's constant endeavour is to
build on the ideas that are meaningful & effective in scaling business challenges, seizing available opportunities
and serving the interests of the customer.

The NJ Wealth family has grown steadily and today it has over 24,800+ NJ Wealth Partners, spread across 97
branches in 23 states in India with over 12,00,000+ investors and over INR 32,500+ crores + of mutual fund
assets under advice. Irrespective of the numbers though, it is trust in us which fuels the passion for creating
solutions with excellence that touch many lives, day after day.

The key offerings of the NJ Wealth Distributor platform is briefly mentioned here.

Product basket

 Domestic mutual funds (all AMCs)

 Capital Markets - direct equity and ETFs
 Fixed Deposits of companies
 Protfolio Management Services (PMS) products (Third party & NJ)
 Government/ RBI/ Infrastructure bonds
 Residential & commercial properties

Partner Services

 Dedicated Relationship Manager

 Marketing & Sales support
 Research support
 Training & Education support
 Dedicated Customer Care / Query management support
 Technological support, including online business / 'Partners Desk' with CRM & Employee Management
modules.
 About Mutual Fund

Mutual Fund:

A mutual fund is an investment vehicle made up of a pool of moneys collected from many investors for the
purpose of investing in securities such as stocks, bonds, money market instruments and other assets. Mutual
funds are operated by professional money managers, who allocate the fund's investments and attempt to
produce capital gains and/or income for the fund's investors. A mutual fund's portfolio is structured and
maintained to match the investment objectives stated in its prospectus.

Net Asset Value

The Net Asset Value (NAV) is the worth (in market terms) of each unit of the fund.

Simply put, NAV = Net assets of the scheme / No. of units outstanding or NAV = market value of all
investments in a fund minus liabilities and expenses/outstanding number of units.

Types of Fund

Money Market Funds

The money market consists of safe (risk-free) short-term debt instruments, mostly government Treasury bills.
This is a safe place to park your money. You won't get substantial returns, but you won't have to worry about
losing your principal. A typical return is a little more than the amount you would earn in a regular checking or
savings account and a little less than the average certificate of deposit (CD). While money market funds invest
in ultra-safe assets, during the 2008 financial crisis, some money market funds did experience losses after the
share price of these funds, typically pegged at $1, fell below that level and broke the buck.

Income Funds

Income funds are named for their purpose: to provide current income on a steady basis. These funds invest
primarily in government and high-quality corporate debt, holding these bonds until maturity in order to provide
interest streams. While fund holdings may appreciate in value, the primary objective of these funds is to provide
a steady cash flow to investors. As such, the audience for these funds consists of conservative investors and
retirees. Because they produce regular income, tax conscious investors may want to avoid these funds.

Bond Funds

Bond funds invest and actively trade in various types of bonds. Bond funds are often actively managed and seek
to buy relatively undervalued bonds in order to sell them at a profit. These mutual funds are likely to pay higher
returns than certificates of deposit and money market investments, but bond funds aren't without risk. Because
there are many different types of bonds, bond funds can vary dramatically depending on where they invest. For
example, a fund specializing in high-yield junk bonds is much more risky than a fund that invests in
government securities. Furthermore, nearly all bond funds are subject to interest rate risk, which means that if
rates go up the value of the fund goes down.

Balanced Funds

The objective of these funds is to provide a balanced mixture of safety, income and capital appreciation. The
strategy of balanced funds is to invest in a portfolio of both fixed income and equities. A typical balanced fund
will have a weighting of 60% equity and 40% fixed income. The weighting might also be restricted to a
specified maximum or minimum for each asset class, so that if stock values increase much more than bonds, the
portfolio manager will automatically rebalance the portfolio back to 60/40.

A similar type of fund is known as an asset allocation fund. Objectives are similar to those of a balanced fund,
but these kinds of funds typically do not have to hold a specified percentage of any asset class. The portfolio
manager is therefore given freedom to switch the ratio of asset classes as the economy moves through the
business cycle.

Equity Funds

Funds that invest primarily in stocks represent the largest category of mutual funds. Generally, the investment
objective of this class of funds is long-term capital growth. There are, however, many different types of equity
funds because there are many different types of equities. A great way to understand the universe of equity funds
is to use a style box, an example of which is below.

Global/International Funds

An international fund (or foreign fund) invests only in assets located outside your home country. Global funds,
meanwhile, can invest anywhere around the world, including within your home country. It's tough to classify
these funds as either riskier or safer than domestic investments, but they have tended to be more volatile and
have unique country and political risks. On the flip side, they can, as part of a well-balanced portfolio, actually
reduce risk by increasing diversification since the returns in foreign countries may be uncorrelated with returns
at home. Although the world's economies are becoming more interrelated, it is still likely that another economy
somewhere is outperforming the economy of your home country.

Specialty Funds

This classification of mutual funds is more of an all-encompassing category that consists of funds that have
proved to be popular but don't necessarily belong to the more rigid categories we've described so far. These
types of mutual funds forgo broad diversification to concentrate on a certain segment of the economy or a
targeted strategy. Sector funds are targeted strategy funds aimed at specific sectors of the economy such as
financial, technology, health, and so on. Sector funds can therefore be extremely volatile since the stocks in a
given sector tend to be highly correlated with each other. There is a greater possibility for large gains, but also a
sector may collapse (for example the financial sector in 2008 and 2009).

Regional funds make it easier to focus on a specific geographic area of the world. This can mean focusing on a
broader region (say Latin America) or an individual country (for example, only Brazil). An advantage of these
funds is that they make it easier to buy stock in foreign countries, which can otherwise be difficult and
expensive. Just like for sector funds, you have to accept the high risk of loss, which occurs if the region goes
into a bad recession.