PACL INDIA LTD

INSTALMENT PYMENT PLAN No. I-1 (FOR 66 MONTHS) (PLAN CODE 28) (OPTION 1) 51/2
YEARS

Sl. Plot size(sq. Yearly Half Quarterly Monthly Total Maturity Accident
No. yards) Yearly Investment Amount benefits
1 150 1365 690 350 -- 7500 10910 11250
1 200 1820 920 467 160 10000 14547 15000
2 300 2730 1380 700 240 15000 21820 22500
2 400 3640 1840 934 320 20000 29094 30000
3 450 4095 2070 1050 360 22500 32730 33750
4 600 5460 2760 1400 480 30000 43640 45000
5 750 6825 3450 1750 600 37500 54550 56250
6 800 7280 3680 1868 640 40000 58188 60000
7 900 8190 4140 2100 720 45000 65460 67500
8 1000 9100 4600 2335 800 50000 72735 75000

INSTALMENT PAYMENT PLANS No. FOR 66 MONTHS (PLAN CODE 53) (OPTION I-1) 51/2
YEARS

1 1250 11375 5750 2920 1000 62500 90920 93750

2 2500 22750 11500 5840 2000 125000 181840 100000
3 3750 34125 17250 8760 3000 187000 272760 100000
4 5000 45500 23000 11680 4000 250000 363680 100000

INSTALMENT PAYMENT PLANS No. I-2 (FOR 72 MONTHS) (PLAN CODE 30) (OPTION 1) 6
YEARS

1 150 1250 640 325 -- 7500 11550 11250

1 200 1667 853 433 -- 10000 15400 15000
2 300 2500 1280 650 220 15000 23100 22500
2 400 3334 1706 866 294 20000 30800 30000
3 450 3750 1920 975 330 22500 34650 33750
4 600 5000 2560 1300 440 30000 46200 45000
5 750 6250 3200 1625 550 37500 57750 56250
3 800 6668 3412 1732 588 40000 61600 60000
6 900 7500 3840 1950 660 45000 69300 67500
4 1000 8335 4265 2165 735 50000 77000 75000
INSTALMENT PAYMENT PLAN No I-2 (FOR 72 MONTHS) (PLAN CODE 54) 6 YEARS

1 1250 10420 5330 2705 920 62500 96250 93750

2 2500 20840 10660 5410 1840 125000 192500 100000
3 3750 31260 15990 8115 2760 187500 288750 100000
4 5000 41680 21320 10820 3680 250000 385000 100000

INSTALMENT PAYMENT PLANS No. I-3 (FOR 84 MONTHS) (PLAN CODE 32) (OPTION 1) 7
YEARS

1 150 1075 540 275 7500 12390 11250

1 200 1433 720 367 10000 16520 15000
2 300 2150 1080 550 190 15000 24780 22500
2 400 2866 1440 734 254 20000 33040 30000
3 450 3225 1620 825 285 22500 37170 33750
4 600 4300 2160 1100 380 30000 49560 45000
5 750 5375 2700 1375 475 37500 61950 56250
3 800 5732 2880 1468 508 40000 66080 60000
6 900 6450 3240 1650 570 45000 74340 67500
4 1000 7165 3600 1835 635 50000 82600 75000

INSTALMENT PAYMENT PLANS FOR 84 MONTHS (PLAN CODE 55) (OPTION I-3) 7
YEARS

1 1250 8955 4500 2295 800 62500 103250 93750

2 2500 17910 9000 4590 1600 125000 206600 100000
3 3750 26865 13500 6885 2400 187500 309750 100000
4 5000 35820 18000 9180 3200 250000 413000 100000

INSTALMENT PAYMENT PLAN FOR 72 MONTHS (PLAN CODE 50) (OPTION I-4) 6 YEARS

1 500 8335 4290 2175 735 50000 77060 75000

2 1000 16670 8580 4350 1470 100000 154120 100000
3 2000 33340 17160 8700 2940 200000 308240 100000
4 4000 66680 34320 17400 5880 400000 616480 100000

INSTALMENT PAYMENT PLAN FOR 84 MONTHS (PLAN CODE 51) (OPTION I-5) 7 YEARS

1 500 7145 3675 1865 630 50000 82350 75000

2 1000 14290 7350 3780 1260 100000 164700 100000
3 2000 28580 14700 7460 2520 200000 329100 100000
4 4000 57160 29400 14920 5040 400000 658800 100000

INSTALMENT PAYMENT PLAN FOR 120 MONTHS (PLAN CODE 52) (OPTION I-6) 10
YEARS

1 500 5000 50000 107100 75000

2 1000 10000 2580 1315 445 100000 214200 100000
3 2000 20000 5160 2630 890 200000 428400 100000
4 4000 40000 10320 5260 1780 400000 856800 100000
4 4000 40000 20640 10520 3560 400000 856800 100000

CASH DOWN PAYMENT PLAN NO C1 (FOR 63 MONTHS) (PLAN CODE 34) (OPTION-1)5 ¼
YEARS

CASH DOWN PAYMENT PLAN NO H1 (FOR 63 MONTHS) (PLAN CODE 42) 5 ¼ YEARS

CASH DOWN PAYMENT PLAN NO C2 (FOR 75 MONTHS) (PLAN CODE 36) (OPTION-1) 6¼
YEARS

CASH DOWN PAYMENT PLAN NO H2 (FOR 75 MONTHS) (PLAN CODE 43) 6 ¼ YEARS

CASH DOWN PAYMENT PLAN NO C3 (FOR 84 MONTHS) (PLAN CODE 38) (OPTION-1) 7
YEARS

CASH DOWN PAYMENT PLAN NO H3 (FOR 84 MONTHS) (PLAN CODE 44) 7 YEARS

CASH DOWN PAYMENT PLAN NO C6 (FOR 84 MONTHS) (PLAN CODE 47) 7 YEARS

CASH DOWN PAYMENT PLAN NO C4 (FOR 120 MONTHS)(PLAN CODE 40) (OPTION-1) 10
YEARS

CASH DOWN PAYMENT PLAN NO H4 (FOR 120 MONTHS) (PLAN CODE 45) 10 YEARS

CASH DOWN PAYMENT PLAN NO C7 (FOR 120 MONTHS) (PLAN CODE 48) 10 YEARS

CASH DOWN PAYMENT PLAN NO C8 (FOR 144 MONTHS) (PLAN CODE 49) 12 YEARS

COMPARE TO POST OFFICE, BANKS & PACL INDIA LTD. (INSTALLMENT SCHEME)

Name Amount No. of Total Total Net Accident

paid months Amount return benefit benefit
amount
COMPARE TO POST OFFICE, BANKS & PACL INDIA LTD. (SINGLE INVESTMENT)

Pearls 12 years career systems

Rank Promotion Minimum Promotee Agents

Quota (In Rs)

Estate advisor (Agent) 15000 ---

Senior Estate Advisor (Field 50000 Min. 3 agents + continuation of min. 60%
Officer) installments of self customers

Estate Organizer (Organizer) 150000 Min. 1 S.E.A + 2 Promotee S.E.A or E.A directly
and continuation of min. 60% installments of self
customers

Senior Estate Organizer (Special 300000 Min. 1 Promotee E.O + 2 Promotee E.O or S.E.O
Organizer) or agents directly and continuation of min. 60%
installments of self customers

Estate Executive (Inspector) 600000 Min. 1 Promotee S.E.O + 2 Promotee S.E.O or

E.O or S.E.A directly and continuation of min.
60% installments of self customers

Senior Estate Executive (Senior 1200000 Min. 1 E.E + 2 Promotee E.E or S.E.O or E.O
Inspector) directly and continuation of min. 60% installments
of self customers

Estate Coordinator (Development 2200000 Min. 1 Promotee E.E + 3 Promotee E.E or S.E.O
Officer) or E.O directly

Senior Estate Coordinator 3250000

(Regional Officer)

Estate Officer (Zonal Officer) 4500000

Senior Estate Officer (Sr. Zonal 6500000

Officer)

Estate Consultant ( Sr. Zonal 8500000

Officer)

Estate Executive Consultant ----

Executive Manager ----

Field workers commission and benefits:
Sl No 1st Yr rate 2nd yr rate 3 to 7th yr 7-9 yr 10 yr Accident
in % in % rate in % benefit

1 15 5 5 5 5 25000

2 4 0.5 -- 0.5 0.5 25000

3 3 0.5 -- 0.5 0.5 25000

4 2.6 0.25 -- 0.5 0.5 50000

5 2. 0.25 -- 0.5 0.5 50000

6 1.2 -- -- 0.5 0.5 50000

7 1.2 -- -- 0.5 0.5 50000

8 1.2 -- -- 0.5 0.5 50000

9 1.2 -- -- 0.5 0.5 75000

10 1.2 -- -- 0.5 0.5 75000

11 1.2 -- -- 0.5 0.5 75000

12 1.2 -- -- 0.5 0.5 100000