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UNDERSTANDING YOUR NEEDSAt Sanctum, we understand that each of our clients have unique requirements, whether that involves building their legacies or securing the ones they have already built. We believe in spending the time and effort to get to know each client and gaining a thorough understanding of their goals and ambitions. Where it concerns the day-to-day approach to managing assets, we know that each client expects something different from his wealth manager. Some require holistic end-to-end strategies based on a high-touch approach, whilst others look for guidance and implementation of specific elements of the plans they already have in place. Some are hands-on in the management of their assets whilst others prefer to leave everyday matters to their wealth managers. Some prefer to use contemporary technology whilst others prefer a more traditional approach. No matter what the approach, Sanctum has the flexibility andtechnological capability to provide pertinent guidance in the manner thatis desired.

Building a one-to-one relationship with each client, a dedicated andexperienced wealth manager develops comprehensive solutions to manage your wealth now, and as circumstances evolve over time.

THE SANCTUM APPROACHSanctum’s approach to wealth management is centered on the belief that a good wealth management relationship involves a long-term commitment to our clients and their future generations. It is based on trust and understanding, driven by objective and relevant advice. Advice that is tailor-made for every individual’s ambitions, their unique financial needs and the complexity of their circumstances. We understand that wealth means more than just numbers, and it is our responsibility to our clients to reflect this principle in the way we approach our relationships.

An in-depth knowledge of today’s financial world and sensitivity to future trends enables us to provide the most timely and impactful solutions. Our experts have developed insights and experience in domestic and international markets to create innovative and adaptable solutions to suit the varied needs of our clients.

END-TO-END WEALTH MANAGEMENTSOLUTIONS TAILOR-MADE FOR YOU

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your wealth plan

MANAGING/REVIEWING

IMPLEMENTING

on an ongoing basis to ensureyour plan remains appropriate

UNDERSTANDINGyour personal situation

and investment objectives

STRUCTURINGa wealth plan designed to

meet these objectives

At Sanctum, we provide end-to-end investment solutions for our clients,spanning advice, execution, and reporting across the full range of financial instruments, and utilising the latest technology. The specific combination employed is based on a risk-based assessment of specific client needs whichis then reflected in tailor-made wealth plans.

INVESTMENT SERVICESContemporary solutions based on time-tested principles

We offer a careful selection of mutual funds, based on an in-depth analyses, that best represent the most appropriate routes-to-market for specific strategic or tactical objectives. Our analyses include firm and fund specific factors, including consistency and risk management, and we ensure rigorous periodic monitoring to revalidate our conviction in the constituents of our selection.

MUTUAL FUNDS

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THE BUILDING BLOCKSOF YOUR PORTFOLIOAt Sanctum, we offer a comprehensive suite of investment products that become the building blocks of your portfolio. Our wealth managers will help you create a portfolio of various products and strategies, while keeping in mind a dynamic market environment.

Each of these building blocks can be used individually or in combination, depending on the type of service you select including execution, advisory or discretionary portfolio management.

EQUITIESOur analysts use extensive quantitative models as well as qualitative research tools to arrive at investment opportunities that aim to deliver long-term,sustainable growth to client portfolios.

FIXED INCOME

We monitor the global macro-economic environment as well as domestic creditand monetary policy drivers to ensure client portfolios are positioned with themost optimal instruments to meet their return objectives for specified levels ofrisk. We also monitor the fixed income markets for opportunistic tradingopportunities to generate excess returns and for changing interest-rate,credit-curve and duration factors.

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We evaluate alternative investment opportunities across a full range ofinstruments including private equity and hedge funds. We recommendopportunities very selectively on the basis of a rigorous due diligenceprocess in conjunction with sound macro-economic context-setting.

ALTERNATE INVESTMENTS

Our structured products team provides customized routes-to-market for our house views, or ideas generated by you, through a judicious use of bothprincipal-protected as well as non-principal-protected structures, across asset classes, to achieve desired pay-off profiles.

STRUCTURED PRODUCTS

Our execution services employ a state-of-the-art dealing and trading platform to execute your equity and fixed income trades. Our depository services allow you to transact and hold securities in electronic form. You can link yourdepository account to your broking accounts at Sanctum and transactseamlessly. These services along with with our custodial alliance are aimed at transacting and reporting in an accurate, timely and error-free manner.

EXECUTION & DEPOSITORY SERVICES

DERIVATIVESFor client objectives ranging from opportunistic trading strategies to thecreation of hedging based customised exposures and pay-off profiles, ourderivatives desk can create tailored recommendations using fundamental,quantitative and technical tools.

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DISCRETIONARY PORTFOLIO MANAGEMENT SERVICES

Our standard discretionary portfolio management services (PMS) allow you to own a comprehensive investment portfolio without being involved in the daily decision-making. Our suite includes model-portfolio based strategies that correspond to pre-determined risk-reward combinations or thematic equity and fixed income portfolios.

Our tailored portfolio management service offers flexibility in managing your portfolio whilst benefitting from the discipline of a traditional portfoliomanagement approach. Creating a bespoke asset-allocation and security selection model, augmenting our research by collaborating with the best minds, designing a risk framework to suit your investment objective – we can do it all for you. We also conduct strategy and portfolio reviews at afrequency of your choice.

PORTFOLIO MANAGEMENTSERVICES

In today’s ever-shifting market space, investments require constant monitoring and reviewing. Not every individual can dedicate the time and attention required to maintain a successful investment portfolio. We offer a range of portfolio management services, managed by a high-calibre team of experts, that are designed to factor in your objectives as well as the level of involvement to suit your comfort.

Our advisory team offers specialised investment services to help clients manage their wealth, based on what they would like their investments to achieve, at any given time. With a thorough understanding of our clients and their investment goals, the investment advisor will help them design aportfolio suited to their unique requirements. Our multi-faceted approach to investing also allows us to adapt as clients’ investment needs evolve.Our investment advisors make effective and innovative use of the full rangeof tools and strategies, to provide you with a regular flow of investment ideas to support your decision-making.

ADVISORY SERVICES

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REAL ESTATE SERVICES

We recognise that real estate is an integral, and often large, component of most portfolios in our part of the world. We also understand that the marketis dynamic, fragmented and difficult to negotiate. That’s where we come in.

Our approach to guiding you with your real estate needs is no different tothat of any other service. We employ our understanding of your needs and circumstances, combined with a deep and thorough understanding of the markets, instruments and trends, to help you find solutions and structures for this part of your wealth. We then help you implement them through referral arrangements with a carefully identified set of third-party specialists, each representing specific disciplines.

For clients looking for instruments representing securitised real estateexposure, our specialists are well placed to identify structured investment opportunities to earn yield-based income from debt securities or toparticipate in the capital appreciation potential of projects throughequity-based structures.

Our network of partnerships with asset management and asset transactionfirms places us in the path of good opportunities on a regular basis.Consistent with our general approach, the key to our success remains our understanding of you and our ability to match this to the right opportunity.

Expert solutions to solve the property puzzle

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Insightful guidance tailored to your estate’s needs

For our clients, peace of mind for the future is essential, whether it concerns ensuring the longevity of their businesses or taking care of the people and causes they care about the most. Preserving wealth for future generationsand then transferring it responsibly and efficiently involves specialist skills.Our expert wealth planners along with our panel of specialist law firms, accountants and trust companies are here to help you whenever you needsuch specialist advice.

Our approach begins with understanding your wealth planning goals and priorities and then aligning them with your circumstances and assets. Our wealth planning team provides guidance on a range of possible solutions before you finalise one that meets your goals and priorities, and then helps you execute such solutions efficiently.

We understand that circumstances evolve. Acknowledging such situations,we facilitate all the guidance required to review your existing structures and recommend the required changes.

WEALTH PLANNING

WEALTH SUCCESSION PLANNING

FAMILY AND BUSINESS

We help you identify structures to transfer your estate to the intendedbeneficiaries avoiding potential disputes and disagreements overinheritance. This avoids unnecessary delays in the transfer of assets toyour loved ones.

We provide guidance on family governance structures such as family boardsand shareholder agreements, to help our clients manage family-businessobjectives and avoid conflict.

We also assist our clients in defining ownership succession and managementsuccession strategies and assess the impact of losing key people on theprofitability and sustainability of the business. This service involves thefacilitation of next generation training & leadership development programs,and the execution of family constitutions.

Our expertise includes:

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Trust

WillsInsurance

FamilyArrangements

HUF

GiftsJoint

Tenancy

Nomination

Power ofAttorney

WEALTHSUCCESSIONSOLUTIONS

Aligning with your familial or corporate beliefs and values we provide assistance in developing strategies for your personal and corporate philanthropy. We also assist you in identifying effective CSR programs or social investments.

PHILANTHROPHY

ASSET PROTECTION AND PRESERVATIONAlongside our referral partners, we help you employ strategies and set upstructures to protect and preserve your wealth for your family whether it is fromspendthrift beneficiaries or from professional liabilities in the future.

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We are committed to understanding your specific needs and responding to those with bespoke solutions. We hope this overview has provided you with a useful introduction to our comprehensive range of products and solutions. For more in-depth information and insight into how we can manage your wealth effectively, do get in touch with our local teams or visitwww.sanctumwealth.com For further details please find below our contact information:

Sanctum Wealth Management Private LimitedUnit No. 1102, 11th FloorHMG Ambassador137, Residency RoadBengaluru - 560025Telephone: +91 80 67427900

Sanctum Wealth Management Private LimitedLevel 4, Suite No. 503, Apeejay Business Centre39/12, Haddows Road, NungambakkamChennai - 600006Telephone: +91 44 28224949

Sanctum Wealth Management Private LimitedUnit 1501, Tower 2B, One Indiabulls Centre841, Jupiter MillsOff Senapati Bapat MargLower ParelMumbai - 400013Telephone: +91 22 6177 9500

Sanctum Wealth Management Private Limited812 - 816, 8th FloorNarain Manzil23, Barakhamba RoadNew Delhi - 110001Telephone: +91 9811505780

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This document is produced by Sanctum Wealth Management Private Limited (“Sanctum”) for Information purposes and for the sole use of the recipient and may not be reproduced in part or full without the prior permission of Sanctum.

The value of investments and the income from them can go down as well as up and you may not recover the amount of your original investment. Past performance should not be taken as a guide to future performance. Where an investment involves exposure to a foreign currency, changes in rates of exchange may cause the value of the investment and the income from it, to go up and down.

Investments in emerging markets are subject to certain special risks which include a certain degree of political instability, relatively unpredictable financial market trends and economic growth patterns, a financial market that is still in the development stage and a potentially weak economy.

The information in this document is not intended as an offer or solicitation to buy or sell securities or any other investment or banking product, nor does it constitute a personal recommendation. Nothing in this material constitutes investment, legal, credit, accounting or tax advice, or a representation that any investment or strategy is suitable or appropriate to your individual circumstances.

The information is believed to be correct but cannot be guaranteed. Any opinion or forecast constitutes our judgment as at the date of issue and is subject to change without notice.

The analysis contained in this document has been procured and may have been acted upon, by Sanctum for any purpose, and the results are being made available to you on this understanding. To the extent permitted by law and without being inconsistent with any applicable regulations, Sanctum and its promoters, directors, employees or any representatives shall not accept any responsibility for any direct or indirect or consequential loss suffered by you or any other person as a result of you acting, or deciding not to act, in reliance upon such information, opinions and analysis.

This document does not constitute financial research. This document can be taken or distributed only to the jurisdiction where it is legally permitted for the purpose it is meant.

DISCLAIMER

Sanctum Wealth Management Private Limited

Unit 1501, Tower 2B, One Indiabulls Centre, 841, Jupiter Mills, Off Senapati Bapat Marg, Lower Parel

Mumbai - 400013, Maharashtra, India +91 22 61779500 www.sanctumwealth.com CIN # U74140MH2015PTC264932