• Aditya Birla Finance Limited (ABFL), through its brand “Aditya Birla Capital- Wealth (ABW)”, offers a range of solutions for wealth distribution. It also offers third party products like company deposits, mutual funds, structured products, alternate investments and portfolio management services. ABW is merely acting as third party Distributor for the various financial product providers. ABFL is a part of the Aditya Birla Capital Limited, having a strong presence across Protecting, Investing and Financing solutions and catering to diverse needs of its customers across their life stages.

• ABFL is an AMFI Registered Mutual Fund Distributor. Mutual Fund investments are subject to market risk. Please read the offer document carefully before investing.

• Business Partner shall market and facilitate distribution of various Mutual Fund schemes and other investment products distributed by ABW. The arrangement between Aditya Birla Finance Ltd. (ABFL) and Business Partner shall be exclusive on "Principal to Principal" basis. In no event, the relationship between ABFL and Business Partner should be construed as that of Principal and Agent or Employer and Employee as there is no intention to create such kind of relationship.

• Business Partner shall mobilize funds under the Code Number been allotted. Business Partner or its employee(s) who is/are involved in the distribution of mutual fund schemes should hold a valid AMFI Mutual Fund (Advisors) Module certification examination / NISM MFD Certification Examination or such other certification examination as may be required with respect to marketing and selling of investment products from time to time. Business Partner while selling and marketing of mutual fund schemes, Business Partner should abide to the AMFI Guidelines and Norms for Intermediary (AGNI) and shall strictly adhere to the Code of Conduct as prescribed by SEBI / AMFI or such other regulatory authority from time to time. In particular, the Business Partner or its employee(s) should disclose to the investor all material information including all the commissions (in the form of trail or any other mode) received for the different competing schemes of various Mutual Funds from amongst which the scheme is being recommended to the investor. The Business Partner should also submit the Annual Self Declaration as per the format prescribed by AMFI within the stipulated time period. Business Partner shall at all times comply with KYD norms as specified by AMFI from time to time. Business Partner shall at all times comply with requirements of quoting of Employee Unique Identification Number (EUIN) in all Mutual Fund transaction forms or wherever necessary from time to time. The Business Partner agrees and understands that commission is liable to be withheld due to non-submission of annual self-declaration or KYD or non- quoting of EUIN and such other action as may be applicable from time to time. The Business Partner while selling and marketing of other investment / financial products, Business Partner should abide with the code of conduct prescribed if any by the regulatory authority and as applicable from time to time. Business Partner shall promptly pass on the cheques/demand draft received by them from the clients/investors to ABFL along with relevant application forms. At no point of time, Business Partner shall accept any cash or cash equivalent from any of its clients/investors. Business Partner shall not issue receipt to investors on ABFL's behalf for cheques/demand draft received from the investors. Business Partner shall not use / display / reproduce the logo of "Aditya Birla" or use the brand name "Aditya Birla Capital" or any part or derivative thereof on any form, without the prior written permission of ABFL. Business Partner is expected to market the products / schemes / securities on the basis of Product Disclosure Document / Scheme Information Document and shall not make any statement or act in a manner which will convey any impression about the scheme, product / securities not being stated in the Product Disclosure Document / Scheme Information Document. Business Partner shall ensure that all the risk factors concerning the product / investment / securities are disclosed to the investor. Business Partner shall not issue any advertisement, promotional material or sales literature concerning any product / securities, other than those provided by ABFL or otherwise approved in writing by ABFL or the issuer of the concerned product / securities.

• Business Partner shall implement appropriate client due diligence process and shall provide adequate assistance in adherence of KYC obligations, if any and also in the collection and submission of required KYC documents of the clients as may be applicable and required from time to time.

• Business Partner shall maintain records of all clients / investors referred by Business Partner to ABFL and shall also furnish / provide such information / details as may be requested by ABFL from time to time.

• Business Partner's Empanelment and payment of commissions, brokerage etc. shall be in accordance with the parameters, guidelines specified by SEBI / AMFI / any other regulatory authority and/or as per the Company's policy applicable from time to time. ABFL shall monitor the compliance of these Guidelines by Business Partner. In the event of non-compliance, ABFL shall at its discretion suspend further business and pay-out of commissions etc. until compliance to the satisfaction of ABFL.

• Business Partner shall be eligible for commission at the rate prevailing on that day and as may be decided by ABFL from time to time. Such commission rate will be subject to revision at the sole discretion of ABFL and without any prior intimation. In such event Business Partner shall have no claim against ABFL for lost earnings. Income Tax, if any at the applicable rates will be deducted from the payments to be made to Business Partner as per prevalent tax provisions.

• Business Partner shall maintain high standards of integrity, promptitude and fairness and shall also exercise due skill, care and diligence in conduct of its business. Business Partner shall further ensure that all investment transactions been made / offered to the client is / are in commensurate with his risk profiling and shall not indulge in fraudulent or unfair trade practices or mis - selling or market mis-conduct ("un-ethical activities") while selling or marketing of any investment or financial products. Any such unethical activities on Business Partner's part shall result in immediate termination of services and ABFL shall be entitled to recover all the commission(s) and benefits paid to Business Partner which is attributable to such unethical practices. Further, all future payments due and payable to Business Partner if any stands forfeited. Business Partner shall be responsible/liable for all its acts/deeds done prior to termination of this arrangement. Termination shall not absolve Business Partner from all acts/deeds done during the currency of this arrangement.

• Business Partner shall not transfer its rights and benefits to any other party without the prior written consent of ABFL.

• Business Partner hereby agrees that it shall strictly comply with all laws, Rules and Regulations of all public authorities where Business Partner conducts its business for performance of its obligations under this arrangement. Business Partner also agrees to obtain necessary permissions for running its business. Business Partner shall also at all times comply with all regulatory guidelines, rules, regulations and other requirements as may be applicable from time to time.

• Business Partner shall indemnify and hold ABFL harmless, from and against any and all direct and indirect costs, charges, claims, losses, expenses, damages, liabilities, awards, judgments, fines and actions of any nature whatsoever which ABFL may incur/suffer due any wrongful, dishonest, criminal, fraudulent act or wilful misconduct or gross negligence on the part of Business Partner. The provisions of this clause shall survive the termination/expiry of this agreement.

• Business Partner hereby agrees that it shall maintain confidentiality of all client's / investors data and information been serviced by Business Partner. Further, Business Partner shall not disclose or purport to transfer client's / investors data and information to any third party. In addition, Business Partner shall ensure that the terms of confidentiality shall exist even after termination of his business relationship with ABFL.

• It shall be responsibility of Business Partner to affix its Code Number on all applications procured by them. In the absence of the Code Number commission shall not be paid.

• ABFL reserves the right to alter any of the terms and condition governing empanelment of Business Partner and to terminate this arrangement without assigning any reasons.

• In respect of all disputes, differences between ABFL and Business Partner, the same shall be adjudicated by way of arbitration, which shall be conducted by an arbitrator appointed / nominated by ABFL. The courts in Mumbai shall alone have jurisdiction in this matter. Arbitration shall be conducted in accordance with the Arbitration and Conciliation Act, 1996.

• Only “NISM” certified partners with valid ARN & EUIN will be eligible for receiving brokerages for Mutual Fund Business sourced under their Business Partner code. Any gapping in ARN for more than 6 months will also not be eligible for receiving brokerages for Mutual Fund business.