1. I/We hereby authorized Complete Circle Consultants Pvt. Ltd, as my/our agent to purchase/redeem/sale/ buy back or otherwise deal in the units of mutual fund (hereinafter referred to as "transactions") on my/our behalf, as may be instructed by me/us from time to time, on the terms and conditions mentioned herein and further I/we hereby authorized Complete Circle Consultants Pvt. Ltd to do or omit to do all such things as Complete Circle Consultants Pvt. Ltd may in its discretion consider to be necessary or desirable in order to perform its duties here under or to comply with any laws, orders, rules, regulations or directions of any Government or regulatory or other authorities. I/we confirm that I am/we are non-residents of Indian nationality/origin and that I/we have remitted funds from abroad through approved banking channels on from funds in my/our NRE/FCNR, special non-resident rupee accounts. I/we declare that my/our personal, bank and investment details provided by me/us in the application are true and correct. (Applicable only to NRI/OCB)

2. Purchase Instructions shall be processed only after sufficient funds to cover the purchase price and other costs and charges have been received by Complete Circle Consultants Pvt. Ltd.

3. If for any reasons Complete Circle Consultants Pvt. Ltd is unable to carry out the transactions as instructed by me/us to the extent of full quantity of units, Complete Circle Consultants Pvt. Ltd shall be entitled at its discretion and I/we hereby irrevocably authorize Complete Circle Consultants Pvt. Ltd to carry out a transaction of a lesser quantity of units. Complete Circle Consultants Pvt. Ltd shall not be responsible for the non-execution of my/our instructions for the entire quantity or the remaining quantity.

4. If after execution of any transactions it is for any reason found that Complete Circle Consultants Pvt. Ltd has not been provided with sufficient funds by me/us, I/we shall pay the deficient amount to Complete Circle Consultants Pvt. Ltd forthwith on demand, failing which Complete Circle Consultants Pvt. Ltd may (but shall not be bound to) square up the transaction at any time at my/our sole risk and cost. Any loss arising on such squaring up will be borne solely by me/us and I/we shall pay to Complete Circle Consultants Pvt. Ltd the additional amount that may be payable by me/us. Complete Circle Consultants Pvt. Ltd demand being conclusive.

5. I/we agree and acknowledge that the facilities provided herein is presently available in respect of the select mutual funds only with whom Complete Circle Consultants Pvt. Ltd has entered in to a separate arrangement/agreement.

6. I/we agree and acknowledge that any instruction given or purported to be given by me/us before the cut off time as may be intimated by Complete Circle Consultants Pvt. Ltd to me/us from time to time, will be processed on the same day. Any instructions received after the prescribed cut off time will be processed on the next working day, if applicable.

7. I/we acknowledge that the units of the scheme shall be allotted, redeemed or switched, as the case may be, at the net asset value (NAV) prevalent on the date of the application by the mutual fund before the cut off time as specified by Complete Circle Consultants Pvt. Ltd and consistent with the terms of the scheme and SEBI (MF) regulations on the subject. However Complete Circle Consultants Pvt. Ltd shall not be liable for any loss that may arise to me/us as a result of the incorrect NAV applied on units allotted to me/us by the mutual fund.

8. I/we acknowledge that any transaction request due on holiday would be processed on the next business day and respective NAV will be applicable as per the mutual fund's offer document and the SEBI (MF) Regulations.

9. I/we acknowledge that transactions once placed cannot be cancelled.

10. I/we undertake to read all the relevant offer documents and addendums thereto and terms or conditions or all schemes of all mutual funds before entering into any transaction through the website and agrees to abide by the terms, conditions, rules and regulations applicable from time to time.

11. All instructions (including instruction for modification of this clause) shall be given only by the first holder above, on behalf of both/all of us and for these purpose I/we the other holders above irrevocably constitute the first holder above as my/our agent. All instructions given by the first holder above shall be binding on both/all as if given by each of us personally. I/we agree that the instruction may be for transaction of units in the sole name of the first holder or in the name of the first holder jointly with other person to the exclusion of the other holders. I/we hereby authorize Complete Circle Consultants Pvt. Ltd to act on such instruction given time to time.

12. The instructions with regard to the transactions may be given through internet or telephone or any other reasonable mode as permitted by Complete Circle Consultants Pvt. Ltd.

13. Complete Circle Consultants Pvt. Ltd may refuse to act on any instructions unless they are given in the manner and form acceptable to Complete Circle Consultants Pvt. Ltd. However, Complete Circle Consultants Pvt. Ltd shall have no responsibility to determine the authenticity of any instructions given or purported to be given by me/us. I/we shall not hold Complete Circle Consultants Pvt. Ltd liable on account of Complete Circle Consultants Pvt. Ltd acting in good faith on instructions given by me/us or my/our authorized representative.

14. Complete Circle Consultants Pvt. Ltd may at its discretion not to carry out my/our instructions where Complete Circle Consultants Pvt. Ltd has reasons to believe (which discretion of Complete Circle Consultants Pvt. Ltd, I/we shall not question or dispute) that the instruction are not genuine or are otherwise improper or unclear or raise a doubt. Complete Circle Consultants Pvt. Ltd shall not be liable if any instructions are not carried out for any reasons, whatsoever.

15. All sales and purchase and all other acts done by Complete Circle Consultants Pvt. Ltd for me/us pursuant to these terms and condition shall be at my/our risk and cost and in consideration thereof, I/we agree to pay charges/fees as per Complete Circle Consultants Pvt. Ltd schedules of charges/fees. I/we agree and understand that any such charges/fees will be in addition in those levied by the mutual fund company. All fees, charges and reimbursement of expenditure shall be paid or made in full by me/us without any counter claim, set off or with holding.

16. Complete Circle Consultants Pvt. Ltd will have charges and right of lien and set off on all my/our units in its possession or custody and all monies standing to my/our credit with or in any account in any branch of Complete Circle Consultants Pvt. Ltd (whether in my sole name or jointly with any other or others) for all sums due or payable by me/us to Complete Circle Consultants Pvt. Ltd hereunder. In the event of default on my/our part in discharging my/our obligations to Complete Circle Consultants Pvt. Ltd hereunder. Complete Circle Consultants Pvt. Ltd shall be entitled to enforce the charge by sale of such units and to appropriate the net proceeds or any credit balance aforesaid in liquidations of my/our liabilities to Complete Circle Consultants Pvt. Ltd.

17. I/we shall ensure that the transactions through Complete Circle Consultants Pvt. Ltd will executed in accordance with the applicable laws, bye laws, rules and regulations governing the specific investment product. I/we agrees that Complete Circle Consultants Pvt. Ltd should not be responsible for any variation or reduction that may be deemed necessary by the Complete Circle Consultants Pvt. Ltd based on its risk perception and other relevant factors.

18. I/we agrees that I/we shall not, without prior intimation and acknowledgement of Complete Circle Consultants Pvt. Ltd, deal/liaise with the issuer company/mutual fund/asset management company or its respective registrars in respect of the services availed under this agreement.

19. I/we declare and confirm that the amount being invested by me/us, in any schemes of all mutual fund is obtained through legitimate sources and is not held or designed for the purpose of contravention of the provisions of any act, rules and regulations or any statue or legislation or any other applicable laws or any notification, direction issued by any Governmental or statutory authority from time to time.

20. I/we agree and acknowledge that a physical copy of the transactions statement or the account statement shall be sent by the Complete Circle Consultants Pvt. Ltd only on the written request from me/us.

21. Complete Circle Consultants Pvt. Ltd shall not be liable for any loss or damage caused by reason of failures or delay of mutual fund to deliver any units purchased even though payment have been made for the same or failure or delay in making payment in respect of any sold though they may have been delivered and we shall save Complete Circle Consultants Pvt. Ltd harmless and free from any claim in respect thereof. Complete Circle Consultants Pvt. Ltd shall also not be liable for any delay, failure or refusal of the mutual fund/any company/ corporation or other body in registering or transferring units to my/our names of for any interest, dividend or other loss caused to me/us arising there-from.

22. Complete Circle Consultants Pvt. Ltd shall not be held liable for a reason of any loss or damage or failure to comply or delay in complying with its obligations under these terms and conditions which is caused directly or indirectly by any event or circumstances beyond Complete Circle Consultants Pvt. Ltd reasonable control. These include system failure, network errors, delay or loss of data due to the above and in circumstances of acts of god, floods, epidemics, quarantine, riot or civil commotion and war.

23. I/we further agree to indemnify Complete Circle Consultants Pvt. Ltd for any loss that may arise as a result of system failure, accident or any of the reasons mentioned above. Complete Circle Consultants Pvt. Ltd shall not be liable for and shall indemnify Complete Circle Consultants Pvt. Ltd for any losses, damages, expenses, costs, liabilities and claims of whatsoever nature caused by fraudulent or unauthorized use of my/our signatures and/or unauthorized use of my/our Telephone personal identification number.

24. Complete Circle Consultants Pvt. Ltd will be under no duty to verify compliance with any restrictions on my/our investment powers.

25. Complete Circle Consultants Pvt. Ltd shall not be held responsible for nonreceipt/ delay in/incorrect receipt of fund, if any from the registrar/company.

26. Complete Circle Consultants Pvt. Ltd shall not be responsible for any changes in the data of any scheme as carried out in the offer document or any other documents/material issued by asset management company/issuer company/mutual fund.

27. Complete Circle Consultants Pvt. Ltd does not accept any liability for delay in processing time at the mutual fund's/issuer or registrar's end. I/we agrees that Complete Circle Consultants Pvt. Ltd shall not be liable or responsible for not executing any transactions for any reason, whatsoever.

28. I/we understand that funds transfer for purchase of with of mutual fund will be done by using an electronic payment getaway facility for net banking offered through Atom. I/we agree not to use or permit the use of the payment instruction services or any related services for any illegal or improper purposes. Whilst utilizing the payment instruction services for making any payment for any services obtained whatever on line or otherwise, I/we shall ensure that. I/we hereby acknowledge that availing the payment instruction services at my/our risk. I/we indemnify Complete Circle Consultants Pvt. Ltd from and against all losses and damages that may be caused as consequence of breach of any of the Electronic payment gateway for the Net banking term and conditions and the terms and conditions mentioned herein above. Complete Circle Consultants Pvt. Ltd shall be entitled to withdraw this service at any time whatsoever. I/we hereby agree to bear the charges as may be stipulated by Complete Circle Consultants Pvt. Ltd from time to time for availing of these services.

29. I/we expressly agree and acknowledge that any information contained in Complete Circle Consultants Pvt. Ltd Brochures or other materials or otherwise communicated by Complete Circle Consultants Pvt. Ltd shall not be constructed by me/us as investment and that all decision to purchase or sell units made by me/us shall be on the basis of my/our personal judgement arrived at after due consideration. I/we understand and agree that Complete Circle Consultants Pvt. Ltd does not in any manner:

A. Provide any buy/sell or other recommendations or

B. Guarantee of payments or any units or

C. Guarantee of liquidity of any units or

D. Make any offer to buy back any units or

E. Guarantee of the redemption or repayment of any units on maturity or

F. Guarantee the payments of interest or dividend

G. Promise, Indicate or guarantee any returns or

H. Guarantee any good delivery.

If not with standing anything stated herein Complete Circle Consultants Pvt. Ltd or any employee of Complete Circle Consultants Pvt. Ltd gives any advice or representation to me/us Complete Circle Consultants Pvt. Ltd shall have no liability for any such advice or representation made, as it will be my/our responsibility to make an independent assessments. I/we understand that the units purchased are subject to investment risk, including the possible loss of principal amount invested. The value of my units/securities will fluctuate.

30. I/we agree and acknowledge that I/we responsible for the personal and bank related details provided by me/us. Neither Complete Circle Consultants Pvt. Ltd nor any of the mutual funds/issuers or their respective registrars shall accept any liability which may arise as a consequence of the erroneous information provided by me/us. In case of change of address and personal details of me/us, I/we shall send a letter to Complete Circle Consultants Pvt. Ltd giving intimation of the changes.

31. Complete Circle Consultants Pvt. Ltd or myself /ourselves may terminate the aforesaid services by giving 30 days prior notice in writing to the other party provided that I/we shall not be relived of my/our obligations hereunder not with standing such termination incurred prior to the date on which such termination shall become effective.

32. All disputes or difference of any nature whatsoever or regarding any right, liability, act, omission or account of any of the parties here to arising out of, under or in connection with above terms and conditions or anything done hereunder shall be referred to the sole arbitration of the managing director of Complete Circle Consultants Pvt. Ltd or of some officer of the Complete Circle Consultants Pvt. Ltd who may be nominated by the managing director of Complete Circle Consultants Pvt. Ltd. The customer will not be entitled to raise any objection to any such arbitrator on the ground that the arbitrator is a representative of Complete Circle Consultants Pvt. Ltd. In the event of the arbitrator to whom the matter is originally referred being transferred or vacating his office or being unable to act for any reason the managing director as aforesaid at the time of such transfer, vacation of office or inability to act , shall designate another person to act as arbitrator. In accordance with the terms and conditions. Such person shall be entitled to proceed with the reference from the point at which it was left by his predecessor No person other than the managing director or a person nominated by such managing director of the Complete Circle Consultants Pvt. Ltd shall act as arbitrator hereunder. The award of the arbitrator so appointed shall be final, conclusive and binding on all parties, subject to the provisions of the Arbitration and Conciliation Act, 1996 statutory modification of or re-enactment. Thereof and the rules made there under and for the time being in force shall apply to the arbitration proceedings under this clause. The seat /place of arbitration shall be Mumbai.