Your trust makes us who we are

Canara HSBC Oriental Bank of Commerce Life Insurance wins threeBAM (Branding Advertising Marketing) awards at the Indian Brand Convention 2015 held in New Delhi.

The awards were in the following categories:

Best Marketing Innovation: Recognition for the campaign done for creating Customer Awareness on Credit Life Insurance

Best Corporate Social Responsibility Campaign: Recognition for projects launched to educate & create awareness amongst employees and beneficiaries on the need to conserve resources and to protect the environment

Best Market Research: Recognition for the research study conducted jointly with FICCI to understand the overall perception of an individual towards Life Insurance

Canara HSBC Oriental Bank of Commerce Life Insurance awarded

"B2B Marketing Campaign of the Year" at the Financial Services

Marketing Summit held in Mumbai.

The award has been won for the campaign done on creating conversational starters for the

bank staff to effectively communicate benefits of Credit Life Insurance

Dear Valued Customer,

At the outset, let me start by wishing you a very Happy New Year.

I want to take this opportunity to reflect on the year gone by and at the same time appraise you of what is coming in 2016. First and foremost, I wish to thank you for your unstinted support and the trust you have reposed in us. I along with my team promise to make your experience a satisfying and enriching one every single day in the years to come.

I am excited about the future. We are investing considerable efforts in shaping our business so as to have processes which converge on "you" i.e. our customers. While our commitment to you remains unchanged, we are accelerating our efforts to transform our business and processes to sharpen our focus on customer centricity. We haveexpanded our team to drive the growth agenda and are looking forward to the year which will bring enhanced focus on "you". As part of our efforts, we are simplifying our processes, building up a support network at branch level to provide on time customer service. We remain committed to deliver high quality products and services to you with a resolve to provide quality advise and robust life insurance solutions.

I am also delighted to share, in our journey for growth we have been persistent enough to do our bit for the society. We have comprehensive and structured Corporate Social Responsibility (CSR) programs through which we attempt to reach out to the varied segments of people in our resolve to "make a difference". During the year, several projects and initiatives were launched to create awareness and educate employees, beneficiaries and the general public on the need to conserve resources and protect the environment. Most importantly we believe CSR is not just limited to spending money in the right way but also earning it the right way which remains the corner stone of our business philosophy.

I, along with the entire team at Canara HSBC Oriental Bank of Commerce Life Insurance Company would like to thank you for yourcontinued support and confidence. Your feedback will be of great value, hence if you have any suggestions please feel free to reach out to us atcustomerservice@canarahsbclife.in.

Have a great 2016.

Regards,Anuj Mathur

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Anuj Mathur Chief Executive Officer

Vol. 1Issue 1Vol. 1

Insuring SmilesCustomer Newsletter

Take control of your family’s security with our productsTake control of your family’s security with our products

Happiness guaranteed with our traditional plans

A plan for those who want guaranteed money back payouts in meeting financial needs for events such as funding child's education, buying a dream home or a vacation etc.

5 SMART REASONS TO BUY• Life Insurance Cover for 15 years• Guaranteed* Money Back payouts (15% of Sum Assured) in the 4th, 8th and 12th policy year• Annual & final Bonus received as lump-sum in the 15th policy year• Limited payment term of 11 years with Annual and Monthly option• Guaranteed* Maturity Benefit equal to 55% of the Sum Assured

A plan for those who want regular monthly income for fulfilling additional financial needs.

5 SMART REASONS TO BUY

• Get Life Cover for 25 years by paying premium for 15 years only

• Guaranteed* Monthly Income for 15 years, starting 11 year

onwards

• Lump sum Benefit by way of Annual and Final Bonus

• Loan available to meet liquidity needs

• Set-off facility to adjust premiums from income receivable

New ProductNew Product

Ensure a secure FUTURE for your child

Smart Future Plan is a linked insurance solution, which helps you to be financially prepared for

your child’s education or marriage or any other financial need in the future.

Features & Benefits:

Premium Funding Benefit - In case of Life Assured's death or disability (if opted), Sum

Assured will be paid immediately and the company will pay the remaining premiums.

The Fund Value will be paid on maturity

Life Cover - Provides a safety net

A linked solution - An opportunity to use market growth through five fund options

Avail Tax Benefits# - Provisions as per the prevailing tax laws

*Conditions Apply - In Smart Stage Money Back Plan, money back payouts are guaranteed only if premiums are paid as and when due. In Smart Monthly Income Plan, monthly income are guaranteed only if premiums are paid as and when due.

The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.

#Tax benefits under this plan will be as per the prevailing Income Tax laws and are subject to amendments from time to time. For tax related queries, contact your independent tax advisor.

IN LINKED INSURANCE PRODUCTS, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

Manage your policy with ease on our customer portalManage your policy with ease on our customer portal

Invest in a life insurance policy to protect your loved ones and save tax Invest in a life insurance policy to protect your loved ones and save tax

A life insurance policy not only allows you to grow your savings but also provides valuable tax benefits in addition to financial security to your loved ones in case of an unfortunate event.

So add that extra bit to your savings and plan for a secured future.

DECREASE TAX LIABILITYINCREASE LIFE SAVINGS

A deduction is available from taxable income of an individual for the premium paid towards life insurance policies of himself/spouse/ children subject to the limits, conditions and provisions of Section 80C / other sections of Income tax Act, 1961.

Deduction under Section 80C*

Exemption under Section 10(10D)*

The amount received as maturity benefit and bonus is exempt from income tax subject to conditions and provisions as prescribed in section 10(10D) and other sections of Income tax Act, 1961.

More Savings, More Happiness

Change of PremiumPayment Frequency

Addition/ Change inNomination Details

Issuance of DuplicatePolicy Document

ChangeSum Assured

View Policy Details Update Contact Details Manage your funds

*Tax benefits/savings are subject to provisions under Section 80C, 80CCC, 80CCE, 80D, 10(10A), 10(10D) and other sections of the Income Tax Act, 1961. These provisions are subject to amendments made by the Income Tax authorities from time to time. Please consult your independent tax advisor for details.

Log on toLog on to

www.canarahsbclife.comwww.canarahsbclife.com

Register in less than aminute using your Client ID

& Policy Number

We urge you, because we care

Stay invested and ensure peace of mindStay invested and ensure peace of mind

Fewer charges on your policy after 5 years

A policy costs more, as one ages and may require added medical assessment

Partial withdrawal option helps to meet short term cash requirement, without having to terminate the policy

Option to increase life cover, as per your changing needs or increase in income

A financial solution to avail tax benefits#

Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited (IRDAI Regn. No. 136)

2nd Floor, Orchid Business Park, Sector-48, Sohna Road, Gurgaon 122018, Haryana, India. Corporate Identity No. : U66010DL2007PLC248825

1800-103-0003/1800-180-0003 (BSNL/MTNL) SMS at 9779030003 customerservice@canarahsbclife.in

Reach us at :

Online Paymentwww.canarahsbclife.com

Net Banking(Select Bank Websites)

At Your Bank(Canara, HSBC and OBC Bank Branches )

At Our Offices(Addresses available on our Website )

Toll Free No.1800 103 00031800 180 0003 (BSNL/ MTNL Users)

Pay your premium using any of the op ons men oned below

The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/ withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year. #Tax benefits under this plan will be as per the prevailing Income Tax laws and are subject to amendments from time to time. For tax related queries, contact your independent tax advisor.Linked Insurance products are different from traditional insurance products and are subject to the risk factors. The premium paid in Linked Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his/her decisions. Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited is only the name of the insurance company and Canara HSBC Oriental Bank of Commerce Life Insurance Smart Future Plan (UIN : 136L037V01) is only the name of the linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Linked Funds are subject to market risks and there is no assurance or guarantee that the objective of the investment fund will be achieved. Past performance of the investment funds do not indicate the future performance of the same. Investors in the Scheme are not being offered any guaranteed/assured returns. The premiums & funds are subject to certain charges related to the fund or to the premium paid. The premium shall be adjusted on the due date even if it has been received in advance. Canara HSBC Oriental Bank of Commerce Life Insurance Smart Stage Money Back Plan (UIN: 136N028V01) and Canara HSBC Oriental Bank of Commerce Life Insurance Smart Monthly Income Plan (UIN : 136N029V02) are participating Non-Linked Plans. Trade Logo of Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited is used under license with Canara Bank, HSBC Holdings plc and Oriental Bank of Commerce. The Insurance products are offered and underwritten by Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited (IRDAI Regn. No. 136), 2nd Floor, Orchid Business Park, Sector-48, Sohna Road, Gurgaon-122018, Haryana, India. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Corporate Identity No.–U66010DL2007PLC248825. Website: www.canarahsbclife.com. Call: 1800-103-0003/1800-180-0003 (BSNL/MTNL). Give a missed call to: 0124-6156600. SMS: 9779030003. Email: customerservice@canarahsbclife.in

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that: •IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. • IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

Purchase of any insurance products by a bank's customer is purely voluntary and is not linked to availment of any other facility from the bank.

NLNJCNLCHOJAN16 ENG

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