A detailed presentation on the Moneytouch proposition for Independent Financial Advisors

1. Empowering intermediaries with an Integrated Platform
Working together
MoneytouchTM Retail Financial Services (P) Ltd Mumbai, India
Strictly private and confidential

2. Founding team (Retail)
Raj Mahadev An MBA with over 21 years of experience in consumer banking with MNC banks like Citi, SCB, American
MD Express and DBS across assets, liabilities, product, marketing, branch banking, Wealth Management etc.
Strong believer in processes and compliance for scale.
Sunil Shukla A Post graduate in Business Management with over 17 years of experience as an entrepreneur across
ED assets, BPO and human resources. Started his career as a management trainee with American Express
Bank. Even though he belonged to a family of profound bankers, he had a entrepreneur drive from the
starting his career. Is well-networked and knows the best and the worst talent available in the industry due to
his headhunting firm he manages independently.
Subir Ray An MBA with over 11 years of experience in managing large teams across Philips, ICICI, Centurion Bank
Director managing channels and a large sales force over 3000. Finally was the Regional Head for Centurion Bank.
Retail An aggressive person with tremendous execution skills
Harpreet An MBA and Computer Engineer has 10+ years experience in Fortune 500 companies, in software product
Singh management and development. Domain expertise in Internet B2B/B2C technologies, Online Retail/Travel,
Director Online Transaction Processing/Reconciliation, ERP, Risk/Fraud Management and Corporate Governance &
Technology Compliance.
and Risk
Kuntal Dave A Fellow member of ICAI with over 18 years of experience in advising clients on tax, auditing, foreign
Director exchange and valuation matters. He actively advises clients on various corporate restructuring matters and
Finance and on foreign collaboration arrangements. He is a member of central Young IFA Network (YIN) committee of
Legal International Fiscal Association, Netherlands. He is secretary of IFA India Branch and of Western Regional
Chapter of IFA India Branch.
Moneybase TM
Touch touch Management team and Structure
About Us 2
Strictly private and confidential

3. Advisory Board
Shailesh Executive Chairman of BDO Haribhakti Consulting Pvt. Ltd. and Managing Partner of Haribhakti &
Haribhakti Co- Chartered Accountants. He is the only Indian Member on the Standards Advisory Council of the
International Accounting Standards Board. He is Chairman, Financial Planning Standards Board,
India. He is a Committee Member of Futures & Options segment of National Stock Exchange of
India and is a member of the SEBI Committee on Disclosures and Accounting Standards. He has
been awarded “The Best Non Executive Independent Director Award – 2007” by the Asian Centre for
Corporate Governance & IMC in January 2008. He is on the Board of Directors of several listed
companies. He is the Chairman of our Advisory Board
Ajit Nair CEO of MX Advertisement (P) Ltd. Has over 20 years of experience in the advertising industry,
involved in the servicing, business development, client management, and leadership functions. A B
Com and MBA from Pune University.
CA Fellow member of Institute of Chartered Accountants of India, Business Law and Commerce
Narendra Graduate, working in UAE for last 17 years. During this period he is closely associated with the
Lohiya Retail industry, Mall management and General Trading business activities in the Gulf region.
Currently works for a reputed FMCG retail chain and Mall owners/ management Group of
Companies as their Associate Director-Corporate Affairs responsible for all financial management
aspects of the company, providing independent guidance based on sound commercial, financial,
legal and accounting principles for groups business in UAE, Saudi, Jordan, Lebanon, Poland and
other GCC countries. Responsible for business partner’s relationship and in identifying new
business partners for new territories and for new businesses in co-ordination with CEO of the
company. Recently has given full responsibility as CEO to manage the group’s retail businesses in
Saudi, Jordan and Lebanon. Prior to coming to UAE he was practicing at Mumbai as Chartered
Accountant specializing in Project Finance and Management audit. He has overall 25 years varied
work experience.
Moneybase TM
Touch touch Management team and Structure
About Us 3
Strictly private and confidential

4. Economy is expanding
Demographic Benefits
• 50% of India’s population is under 25 years of age and 10% of India’s population born after late
80s, post liberalisation, has no guilt about consumption
Economic Growth
• In spite of the downturn the economy has been growing at a healthy pace better then many
• Gross savings rate as a proportion of GDP is at around 30%
• Per capita income has almost doubled and expected to touch $2,000 by FY17 and $4,000 by FY25
• With a majority of the population entering the work force the need for loans, tax savings, asset building
would increase
• Growing economy will increase the number of individuals who would need advise and planning
Money touch TM Market and Competition 4
Strictly private and confidential

5. Asset classes are growing
Stock Market Mutual Fund
Retail Assets With over 20 Industry Alternate asset
Wealth The total retail million expected to
The market for
Management loans market shareholders, Insurance grow to $125 Bn Real Estate alternative
estimated at $ India has the by 2010.
Indian Wealth The sector is Indian realty assets like art &
250 Bn third largest There has been
industry will expected to sector is gold is large and
investor base in regulation
manage Consumer credit reach $ 60 bn expected to has substantial
the world after change as of
estimated $1 outstanding at 8 in the next four grow from $ 12 investment being
the USA and August which is
Trillion dollars per cent of GDP years – a growth bn in 2005 to $ made.
Japan. changing the
worth of assets (it’s 30 -70 per rate of 500 % 90 bn by 2015 The gold and
A Market distribution
by 2012 cent for other SE jewellery market
capitalisation of landscape from
Asian countries) is over $ 50Bn
around $ 1 product selling to
Trillion advisory
The Indian customer and distributor has dealt with limited products like MF, Insurance, Stocks, Debt.
Studies* show that structured products will increase 3 times in the next 5 years, product mix will see a
change
Money touch TM Market and Competition 5
Strictly private and confidential *Karvy HNI Survey Sept 2010

6. Customer has multiple needs
• A customer has different financials needs at different stages of life which an advisor will
need to address to be able to offer one stop top of mind service
Retirement
60+ years
Accumulation
stage
45-60 years
• Legacy
Working life planning
• 2nd home • Philanthropy
25-45 years
• Investments • Business
• Child educations growth
plans • Alternate
• Car loan
• Retirement assets
• Home loan
planning • Lifestyle
Early life • Insurance – Child
Upto 25 • Business loans/ needs
• Education Plans
private equity
years Loan • Systematic
• Lifestyle needs
• Credit Card investments
• Structured
• Bank account • Business needs products
Business and Personal needs converge at some time if client is a business person, hence an advisor cannot
ignore if he desires to increase share of wallet
Money touch TM Market and Competition 6
Strictly private and confidential

7. Changing regulatory
landscape
SEBI – Securities Exchange Board of India
- Empowering investors with transparency in payment of commission.
- Scrapped Upfront fee and took industry into a tailspin but objective was to get advisor to be seen as a
client rep rather than the manufacturer and charge clients for services/planning
IRDA – Insurance Regulatory Development Authority
- SEBI Vs IRDA got cap on charges and also informing clients of the fee earned leading to transparency
RBI – Reserve Bank of India
Regulations cover Banks as distributors laying guidelines on what can be distributed and transparency
FPSB – Financial Planning Standards Board of India
Has been actively promoting the financials planning movement and working closely with regulators for
setting standards to manage intermediaries/distributors
Trends
- Distribution industry will see stricter regulation in the coming years, more requirement for certification
and continuous education
- Planning/advisory will take precedence.
- The regulatory structure will get aligned
Money touch TM Market and Competition 7
Strictly private and confidential

8. Our Target segment
• The existing financial services intermediaries are many, such as”
Mutual Fund Advisor Insurance Agent Direct Sales Associate Sub-broker Financial Planner Fresh Graduate
Market Size
90K AMFI certified >3 Mio+ Agents Over 25000 DSE’s/ Over 100K Over 15K Over 450K
distributors DSAs annually
Challenges faced by the intermediaries
Front end fee De tariffing in non Most players Revenues Independent Education not
abolished life squeezing insourcing on related to advisory lead to skilling
Online trading soon revenues account of risk and stock market business still a and
a reality compliance sentiments challenge employability
In Life Swarup
panel impact
awaited
Money touch TM Market and Industry environment 8
Strictly private and confidential

9. Drivers for success
Key drivers for
Challenges Implication success
Product based Customer feels cheated Fee based model/
remuneration Financial Planning
Too much time spent on Limited/ reduced customer
administrative work time Technology
Unable to compete with Loosing clients to
large players competition
Customer Relationship
Limited access to Less Insights,
analytical/ research tools differentiation
Knowledge
Customer life cycle needs Loose clients to players
addressing needs
Changing regulatory/ Inability to adapt to
Flexibility
economic landscape business models
Money touch TM IFA Business Model
Need to be a step ahead of customers 9
Strictly private and confidential

10. To be future ready
Product Provider Solution Provider
Mutual Fund Advisor
Wealth Creation
Life Insurance agent Retail Loans
Commercial Loans
Business Loans
Mortgages
Non Life agent Promoter funding
Personal Loans
Bill discounting
Vehicle Loans
Direct Sales Associates Working capital
Credit Cards
Acquisition funding
Loans against
Sub Brokers
property
Loan against shares
Financial Planners
Small Savings agents Wealth Protection Wealth Enhancement
Financial Planning Investment Banking Alternative Investments
Commodities broker Legacy Planning Art
Investment Advisory
Insurance Planning Mutual funds Real Estate
Chit Fund agent Estate Planning PMS Commodity
Direct Equity/ Derivatives Offshore invest
Art Dealer Small savings
Structured Products
REITs/ Bonds/ ULIPs
CA / Lawyer
Real Estate broker
Money touch TM IFA Business Model 10
Strictly private and confidential

11. Enabling IFA transition
“The MoneytouchTM Business Transition Model”
MoneytouchTM
IFA business can be in any
of these stages and we help
can provide
support
them TRANSITION
across any of
the stages
and enable
the IFFTM to
offer better
value and
compete in
the market
Money touch TM Transition Model 11
Strictly private and confidential

12. Intermediaries have an
advantage
• The strengths of the intermediaries vary and we feel the IFA is best equipped to provide
ethical solutions in the long run if they have the support to do so. A quick comparison:
Player Training and Customer Cross selling Product Spread Technology
Operations relationship and Marketing
excellence management
Banks (foreign/Pvt) High Medium High High High
NBFC High Medium High High High
Websites Medium to High Low Medium Medium High
IFA Low High Low Low Low
Platforms High High Medium Medium High
Compared to the existing platforms how are we different:
We have 5 clear advantages for the IFAs:
1. No clipping of fees from existing line of business
2. No transfer of AUM
3. Build business in own name
4. Generate additional revenues by xselling
5. Continue dealing with his existing partners
Money touch TM Market and Competition 12
Strictly private andBanks
* In addition to confidential

13. Our Value Proposition
“The model”
An end to end support for IFA to transition the business to the next level
State of the art technology with multi asset processing platform and one
stop information portal. Visit our website www.moneytouch.in and
www.moneytouch360.com for details
Multi product offline sales support to increase product penetration without
any investment
Marketing Insights and leads for growing the business
Operations support – can outsource backend operations to us
Training and Certification – product, selling skills, soft skills, advanced
certification courses provided to upgrade skills
Have the power to create an Unique Experience for their clients by being a
one stop solution provider with a strong relationship bias
Money touch TM Our Value Proposition 13
Strictly private and confidential

14. The info portal
www.moneytouch.in
The portal offers :
Public Domain
Article and latest news content – powered by MyIRIS
Product details across full suite of products like Loans, MF, Insurance, Capital Markets, PMS
etc
Calculators – powered by My IRIS
Qualified lead generation module - developed in-house with lead fulfillment tracker
Capable of supporting NRI clients as well
Secured Domain
Loan Search Tool – developed in-house
Mutual Fund Research – powered by My IRIS
Commssion structure
Knowledge bank, world markets etc
In the pipeline:
Field underwriting
CRM
Single Sign on and integration with mt360
Choose your IFA – with IFA grading
Improved UI
Insurance comparison tools
Online training
Money touch TM Our Value Proposition-Technology 14
Strictly private and confidential

15. The processing platform
www.moneytouch360.com
The platform offers : In the pipeline
 Commission and order booking
 Queries
Multiple  Analytics: Asset wise, Sector wise, Year wise.
Assets  Reconciliation MIS
Platform Daily
Portfolio valuat-  Online MF buying/selling
ion  Mobile Application
updates  Online payments
Alerts  What if analysis
and  Advanced research
Transac-
Reports
3600 tions  Integration with leading exchanges
Product
Informa-
tion Masters
Uploads Financial
Planning
Money touch TM Our Value Proposition-Technology 15
Strictly private and confidential

16. End to end sales
support
IFA needs to focus on their primary Line of Business (LOB) – eg Mutual Funds or Life
Insurance
For other LOB they only need to generate lead when he identifies a need. We will train
IFAs to spot such opportunities
All the required information is housed in our website and with the online training tolls
(soon to be launched) IFA needs to complete the documentation from the client and
deposit it at our fulfillment centres and we will take of the rest
IFA needs to increase product penetration into their customer base, so that they
increase your revenue earning capacity from each client
It is a simple 5 step process
Money-
Prepare Submit the Liaise with touch On closure
Identify need documents file/papers to client if takes earn your
as required FC required care of fees
the rest
Money touch TM Our Value Proposition-Sales Support 16
Strictly private and confidential

17. With multi product, multi
partner solutions
Multiple Products
Home Loans Loans against Shares Art
Loans against property Loans against Mutual Funds REITs
Commercial Prop. Loans Equities/ Derivatives* Real Estate Properties
Business Loans Demat* Life Insurance*
Personal Loans Mutual Funds General Insurance
Auto Loans Bonds Small Savings
Gold Loans Fixed Deposits Basic Financial Planning
Education Loan PMS Trusts/Wills*
Multiple Partners
Standard Chartered Bank Kotak Bank Axis Bank
TATA Capital India Bulls Bajaj Finserv
Reliance Capital Fullerton India Future Capital
Credila Cholamandalam Barclays Finance
Stock Holding Corporation Karma Capital HSBC Invest Direct
Hiranandani / HIRCO HDFC Ltd LIC Housing
Money touch TM Our Value Proposition-Sales Support 17
Strictly private and confidential *yet to launch

18. Differentiate with
marketing insights
Segment Customers
Based on their occupation, life stage, geography, income and other key defining variables.
The data capture would be dependent on the IFA, however we will instill a discipline to capture
all data systematically to ensure that all key variables are covered at the time of onboarding a
customer
Develop Predictive Models
Using advanced analytic software to build business visibility for Sales Mgmt & Operations
Use deep dive insights to cross-sell products
Identify low hanging fruit for different components of the product suite
Develop Target Marketing strategies tailor-made for critical segments depending on what is
likely to drive financial needs
Use the analytics to create specially designed from manufacturers
Create MIS Dashboards as aids to market planning for IFA
Annual surveys for further insights and comparisons
Money touch TM Our Value Proposition – Marketing Insights 18
Strictly private and confidential

19. Provide operations
support
Surveys have shown that IFAs spend 60% of their time managing operations and back
office routine work
If this time can be saved and the work outsourced, they would technically be able to
double their business as they have twice the time available to manage their existing
customers, get more referrals and meet new clients
Operations that can be outsourced for a fee are :
Routine transaction posting
Managing customer queries
Managing customer correspondence
Follow up on documentation
Accounting and taxation
Technology
The fee model can be per transaction or based on volume dedicated
resources would be deployed
Money touch TM Our Value Proposition – Operations Support 19
Strictly private and confidential

20. Training and
certification
Knowledge is a key ingredient for success.
IFAs will need to stay in touch with regulations, products, processes, new concepts
constantly.
There is no short cut and IFAs will have dedicate sufficient time in learning on an ongoing
basis
We offer a host of training programs focused on enhancing the skills so that IFAs are
ready to face the customer and the changing market needs.
The programmes we can conduct exclusively or as a group are :
Financial planning
Wealth Management
Life and General Insurance sales
Capital Markets
Mutual Funds sales and service
Retail Assets sales and service
Trade Finance, Foreign Exchange
Selling Skills and Soft Skills
Money touch TM Our Value Proposition – Training 20
Strictly private and confidential

21. Deliver a unique
experience
By partnering with Moneytouch, IFA can offer a whole host of services and match with the best
in the industry. Coupled with their knowledge and advise they have a unique experience to
offer to their client that covers:
Convenience
All financials needs of the client can be addressed by one person
Consolidated statements
Research reports
Multiple portfolios can be tracked in one place
Alerts can be personalised to each customer
Enable decision making with comparative tools
All information available on the website
Advise
Provide Financial planning tools to address all client goals
Track portfolios and rebalance as per risk appetite
Set alerts
Access
Compete with large distributors and banks by providing web access to client portfolios and with
payment gateways for transactions
Money touch TM Our Value Proposition – Unique Experience 21
Strictly private and confidential

22. Our guiding principles
For us the customer is the IFA
All customers of IFA’s are tagged for life to the IFA in the system
All access to computer systems and data is controlled as per
authority grid
We sign a customer confidentiality agreement so that IFA don’t
worry about mis-use of customers database.
All data analytics, insight led marketing activities will be done on
behalf of the IFA
IFA continues to earn lifetime fees for any product sold in the
lifetime of the customer, no questions asked
Money touch TM Our Value Proposition - Principals 22
Strictly private and confidential

23. Our value packs
We offer 4 attractively priced value packs with a mix of fixed and variable fee
IFA chooses value pack based on his own business plan and his clients needs
Money touch TM Our Value Proposition - Value pack 23
Strictly private and confidential

24. Benefit to IFA’s Customer
All financials needs across customer life cycle can be addressed under one roof
Provide goal based financial planning
Provide Web access to customers portfolio
Consolidated statements
Research reports
Multiple portfolios can be tracked in one place
Alerts can be personalised to each customer
Enable decision making with comparative tools
Money touch TM Customer Benefit 24
Strictly private and confidential

25. Benefits to IFATM
Continue with his existing partners
Retain his earnings from all line of business currently active in
Generate additional revenues with multiple products, by increasing product penetration
Continue to build the business in their own name.
Ride the economic cycle more effectively
Manage Individual and SME clients and address customer needs end to end
Provide multiple services to customers as under
Money touch TM Benefit to IFFTM 25
Strictly private and confidential

26. Disclaimer
This presentation including the information contained herein is
being issued by Moneytouch Retail Financial Services (P) Ltd
group company.
This presentation is issued on a strictly confidential basis and
for information purposes only to intended recipient.
It should not be distributed, published or reproduced in whole or
in part, nor should its contents be disclosed by intended
recipient to any other person.
• Website: www.moneytouch.in | www.moneytouch360.com
• Email: suniljani@touchbase.co.in
feedback@touchbase.co.in
• Call: (91) 99876 70978 / (91-22) 4206 3217 - 19
• Address: C / 202, Green Lawns, Opp. St. Pius College, Aarey Road.
Above ICICI Bank, Goregaon (East), Mumbai – 400 063
Touch base Disclaimer 26
Strictly private and confidential

27. Thank you
Strictly private and confidential