Ref: 10-PC-001 of 16th January, 2010

Dear Reader,

Many thanks for patronizing my blog – Financial Wisdom by Kalidas http://anilselarka.com

I have been getting lot of requests for the portfolio restructuring or solution. It is very time
consuming process. My article of “Restructuring of Portfolio” along with Excel spread sheet is
self tutored exercise. However, the reader reports that it does not help them about the stocks
in question for the reason that they have bought it either on impulse or on advice from tipsters,
reading newspapers, watching business channels or simply hearing from some friends.

I have therefore decided to offer paid services for portfolio solution. It could be existing
troubled portfolio requiring restructuring or simply a newly structured portfolio based on
reader’s needs. It is not limited to a particular country or stock. It also includes bonds, bank
deposits, postal savings, properties and precious metals. It is a global solution. It could also
involve family advice, division or business. The portfolio includes any kind of assets, business
or family matters. (I get many calls asking me to help the readers solve their personal family
problems or business troubles,)

Please note that this is purely a friendly advice – not fully functional professional advice you
may get from your Investment adviser, bank, broker, lawyer or Social Counselor. Use this
simple yet exhaustive advice as preliminary advice and then seek the opinion of your brokers
or professional adviser. My approach is Macro, based on common sense, not drilled down to
micro level or every data a company may have published or details provided by you. There will
be no technical analysis. In short, it is a simple heart to heart solution rarely found anywhere.

Many readers have exhorted this Author to start fee based services. However, overall services
still remain free. This paid service comes into play when one wants to narrow down to
specifics.

It takes lot of time to analyze each product; many of them may not be on my watch list. On an
average, it takes about 45 minutes for each unknown stocks or product to analyze. This paid
service just pays for my enormous time that I devote to your portfolio at your specific request.
This is made to order solution.

Following is the broad structure of this paid service. Use the following structure as basic guide.
Specific structure will differ depending on the needs of the reader.

Restructuring of Portfolio:
The reader will be charged
1. @US$ 6.35 or Rs 300 per existing stock or bond or any product.
a. subject to minimum charge of US$ 6.85 (Rs 330) and US$ 125(Rs 6,000)
maximum per portfolio and
b. Subject to not more than 20 items in the restructured list.
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Portfolio Counsel by Anil Selarka (Kalidas) Page 1 of 3
 c. The readers are requested to restructure portfolio based on Author’s article
“Rebalancing of Portfolio in depressed market” and bring down the initial stock
list to less than 20 so that their service cost is kept at minimum.

Structuring of New Portfolio (Amount left to the Reader)

The reader will be charged
1. @ US$ 5.35 or Rs 250 per stock or investment product.
a. Subject to minimum $5.85 (Rs 280.00) and maximum $ 125 (Rs 6,000) per
portfolio
b. Subject to not more than 25 items in the final list.
c. Each additional item beyond 25 may be chargeable @ US$ 5.35 (Rs 250) per item
on top of maximum amount of US$ 125 per portfolio

Discount to Readers unable to afford:

This blog is read even by youngsters who have limited budget. If a person find difficult to pay
the above cost due to his limited resources, he will be offered discount or given option to pay
any amount he likes for using Authors time. He has to just inform the Author by email that “he
is unable to afford the quoted charges” – that’s all. No questions are asked. We believe our
readers – 100%. They will have second priority in reply for obvious reasons.

How to approach the Author for Portfolio Counseling:

For restructuring portfolio – use the Excel Sheet – Worksheet1. Send it as Excel enclosure to
your email addressed to readers.kalidas@gmail.com with subject line – Portfolio Advice –
Old/New Portfolio A/c (Your name)

For other personal advices: Write an email enclosing Word/WordPerfect/RTF document. Do

not write much on the email body except using it as cover letter. Let the document speak for
itself.

How to Pay?
Pay preferably by PAY PAL in US$. We will allow local payment only in exceptional cases.
Please note that the sales are consummated in Hong Kong, and you are paying for importing
our services. No taxes are payable therefore, such as VAT or professional taxes at the
destination country.

Disclaimer
It is clearly understood and agreed to by the reader before he proceeds in the matter as above:
1. There is no guarantee that the solution or advice offered will work in all cases or to the
extent expected by the reader or the Author.
2. The Authors advice will be based solely on the representation made by the reader with
regard to his experience in investment, his risk taking capabilities, and resources
available at his command. It is also agreed that the reader will not leverage, overextend
or gamble on any of the finance product mentioned or referred to the Author at his sole
discretion.
3. The reader may or may not use the finance products suggested by the Author at his
(readers) discretion. He will consult his professional adviser, CPA, Accountants or
Lawyer as the case may be for second opinion before implementing or acting on the
preliminary consultation received from the Author.
4. The Author shall not be subject to any claim, damages, liability of any kind, be they
under the existing law of the concerned jurisdiction or under Tort.
5. The reader shall not disclose or use the name of the Author at any time at any place or in
any forum for such advice even if it is in favor of the Author.

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Portfolio Counsel by Anil Selarka (Kalidas) Page 2 of 3
 6. The reader shall indemnify the Author against any claim or action from any source, if he
violates the agreement and discloses the Author’s name as mentioned under Clause (3)
7. The entire services as above shall be subject to specified jurisdiction in the final contract
document.

Thanks for your attention

Kalidas (Anil Selarka)

Hong Kong, 16th January, 2010
Personal Blog: http://anilselarka.com
Book Web : http://www.subprimeresolved.com

About the Author:

Anil Selarka (screen name: Kalidas) is Author of path breaking book –
SUB PRIME RESOLVED – a Bible for the Complete Economic Recovery of
the United States of America which is perhaps the only book that offers
complete solution to the current financial crisis. In fact, this book is a
“BLACK BOX” for the US Administration.

If they carefully go through this book, they will know what really
happened, how it happened and how to resolve the crisis step by step,
issue by issue. Read the rave reviews of the book from the readers. A
reader exclaimed that “It is a Book of the Century” !

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Portfolio Counsel by Anil Selarka (Kalidas) Page 3 of 3