KEY INFORMATION MEMORANDUM & COMMON APPLICATION FORM

Transcription

1 KEY INFORMATION MEMORANDUM & COMMON APPLICATION FORM Continuous Offer of Units at Application NAV Open Ended Debt / Interval / Liquid Schemes LIC Nomura MF Interval Fund Monthly Plan-Series 1 LIC Nomura MF Interval Fund Quarterly Plan-Series 1 LIC Nomura MF Interval Fund Annual Plan - Series 1 LIC Nomura MF Interval Fund Quarterly Plan-Series 2 LIC Nomura MF Government Securities Fund LIC Nomura MF Liquid Fund LIC Nomura MF Income Plus LIC Nomura MF Montly Income Plan LIC Nomura MF Saving Plus LIC Nomura MF Bond Fund Sponsors : Trustee: Investment Management : Life Insurance Corporation of India (LIC) Registered Office : Yogakshema Building, Jeevan Bima Marg, Nariman Point, Mumbai LIC Nomura Mutual Fund Trustee Company Private Limited Registered Office: 4th Floor, Industrial Assurance Building Opp. Churchgate Station, Mumbai LIC Nomura Mutual Fund Asset Management Company Limited Registered Office: 4th Floor, Industrial Assurance Building, Opp. Churchgate Station, Mumbai CIN NO : U65992MH2003PTC CIN NO : U67190MH1994PLC This Key Information Memorandum (KIM) sets forth the information, which a prospective investor ought to know before investing. For further details of the scheme / Mutual Fund, due diligence certificate by the AMC, Key Personnel, investors rights & services, risk factors, penalties & pending litigations, etc. investors should, before investment, refer to the Scheme Information Document(s) (SID) and Statement of Additional Information (SAI) available free of cost at any of the Investor Service Centers or distributors or from the website The Scheme particulars have been prepared in accordance with Securities and Exchange Board of India (Mutual Funds Regulations, 99, as amended till date, and filed with Securities and Exchange Board of )ndia SEB). The units being offered for public subscription have not been approved or disapproved by SEB), nor has SEB) certified the accuracy or adequacy of this KIM. This Key Information Memorandum is dated June 26, Toll Free No service@licnomuramf.com Website: Mutual Fund Investments Are subject to Market Risk, Read All Scheme Related Documents Carefully.

2 KEY INFORMATION MEMORANDUM & COMMON APPLICATION FORM Continuous Offer of Units at Applicable NAV PRODUCT LABELING To provide investors an easy understanding of the kind of product /scheme they are investing in and its suitability to them, the product labeling for the following schemes is as under: NAME OF THE SCHEME THE PRODUCT IS SUITABLE FOR INVESTORS WHO ARE SEEKING * LIC Nomura MF Monthly Income Plan Regular Income for short term Investment in Debt and Money Market )nstruments as well as Equity and Equity Related instruments Risk - Moderately High RISKOMETER LIC Nomura MF Savings Plus Fund Regular Income for short term Investment in Debt/Money Market Instruments Risk - Moderately Low LIC Nomura MF Income Plus Plan Regular income for short term Investment in Debt/Money Market Instruments / Govt. Securities Risk Moderately Low LIC Nomura MF Interval Fund Monthly Regular income for short term Plan Series 1 Investment in Debt / Money Market Instruments Risk - Moderately Low LIC Nomura MF Interval Fund Quarterly Regular income for short term Plan - Series 1 Investment in Debt / Money Market Instruments Risk - Moderately Low LIC Nomura MF Interval Fund Annual Regular income for short term Plan - Series 1 Investment in Debt / Money Market Instruments Risk - Moderately Low LIC Nomura MF Interval Fund Quarterly Plan - Series 2 Regular income for short term Investment in Debt / Money Market Instruments Risk - Moderately Low LIC Nomura MF Bond Fund Regular income for long term Investment in Debt / Money Market Instruments/Govt. Securities Risk - Moderate LIC Nomura MF Government Securities Long term Capital Appreciation and current Fund income Investment in sovereign securities issued by Central State Government Risk - Moderate LIC Nomura MF Liquid Fund Regular income for short term Investment in Debt / Money Market Instruments Risk - Low * Investors should consult their inancial advisors if in doubt whether the product is suitable for them.

3 Investment Objective Asset Allocation Pattern for the Scheme: No. of Folios & AUM (As on 31/3/15) 1. LIC Nomura MF Liquid Fund (An Open Ended Liquid Scheme) An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through judicious mix of investment in money market instruments and quality debt instruments. Investments Indicative Allocation (% of Corpus) Risk Profile Debt* 0-40% Low to Medium Money mkt % Low *Debt securities includes securitised debt and Government Securities The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders. )nvestment in Derivatives )nstrument will be in accordance with SEB) (MF) Regulations.. Folios: 9152 AUM in Crs: Plan and Option Plans 1.Regular 2.Direct Minimum Application Amount Options 1.Dividend Payout and Reinvestment.Growth ` 5,000/- and in multiples of ` 500/- thereafter. 2. LIC Nomura MF Saving Plus (An Open Ended Debt Scheme) The investment objective of the Scheme is to generate income by investing in a portfolio of quality short term debt securities. Investments Indicative Allocation (% of Corpus) Risk Profile Debt /Money Market* Up to 100% Low to Medium *Debt securities includes securitised debt and Government Securities The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders. )nvestment in Derivatives )nstrument will be in accordance with SEB) (MF) Regulations. Folios: AUM in Crs: Plans 1.Regular 2.Direct Options 1.Dividend Payout and Reinvestment.Growth ` 5,000/- and in multiples of ` 500/- thereafter. Benchmark Index CR)S)L Liquid Fund )ndex CR)S)L Liquid Fund )ndex Fund Manager Shri Kunal Jain Shri Killol Pandya Performance of the Scheme (As on 31/3/2015) Regular Plan - Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 8.94% 8.98% Last 3 years 9.07% 8.98% Last 5 years 8.47% 8.26% Since inception 7.38% NA Absolute Returns for each financial year for the last years Absolute Returns for each financial year for the last 5 years 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% LIQUID FUND 8.94% 9.26% 8.97% 8.80% 6.35% CRISIL Liquid Fund Index 8.98% 9.46% 8.17% 8.44% 6.21% Regular Plan - Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 8.59% 8.98% Last 3 years 8.44% 8.89% Last 5 years 7.94% 8.26% Since inception 6.67% 6.76% Absolute Returns for each financial year for the last years Absolute Returns for each financial year for the last 5 years 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% SAVINGS PLUS FUND 8.59% 8.43% 8.26% 8.20% 6.19% Crisil Liquid fund Index 8.98% 9.46% 8.17% 8.44% 6.21% Direct Plan - Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 8.99% 8.98% Last 3 years NA NA Last 5 years NA NA Since inception 9.11% 9.10% Absolute Returns for each financial year for the last years 9.60% 9.40% 9.20% 9.00% 8.80% 8.60% LIQUID FUND 8.99% 9.33% CRISIL Liquid Fund Index 8.98% 9.46% Direct Plan - Growht Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 9.47% 8.98% Last 3 years NA NA Last 5 years NA NA Since inception 9.22% 9.10% Absolute Returns for each financial year for the last years 9.60% 9.40% 9.20% 9.00% 8.80% 8.60% SAVINGS PLUS FUND Crisil Liquid fund Index % 8.98% % 9.46% Expenses of the Scheme: (i)load Structure Entry Load Nil Exit Load - Nil. (ii)recurring Expenses Actual Expenses for the previous year = Regular % Direct % Entry Load Nil Exit Load- Nil. Actual Expenses for the previous year = Regular % Direct % Mutual Fund Investments Are subject to Market Risk, Read All Scheme Related Documents Carefully.

4 Investment Objective Asset Allocation Pattern for the Scheme: No. of Folios & AUM (As on 31/3/15) 3. LIC Nomura MF Bond Fund (An open ended debt scheme) L)C NOMURA MF Bond fund an open-ended Debt Scheme, will endeavor to generate an attractive return for its investors by investing in a portfolio of quality debt securities and money market instruments. Investments Indicative Allocation (% of Corpus) Risk Profile Debt* % Low to Medium Money mkt. 0-40% Low *Debt securities includes securitised debt upto 30% The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders. )nvestment in Derivatives )nstrument will be in accordance with SEBI (MF) Regulations. Folios: 7311 AUM in Crs: Plan and Option Plans 1. Regular 2. Direct Minimum Application Amount Options 1.Dividend Payout and Reinvestment.Growth ` 5,000/- and in multiples of ` 500/- thereafter. 4. LIC Nomura MF Government Securities Fund (An Open Ended Gilt Scheme) The primary objective of the scheme is to generate credit risk free and reasonable returns for its investors through investments in sovereign securities issued by the central and /or state Government and /or any security unconditionally guaranteed by the central/ state government for repayment of Principal and interest and/or reverse repos in such securities as and when permitted by RB). Investments Indicative Allocation (% of Corpus) Deviation (%) from Normal allocation Risk Profile G-sec instruments Upto 100% - Low Debt* / Money mkt. Upto 40 % 25% Low to Medium *Debt securities includes securitised debt and Government Securities The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders. )nvestment in Derivatives )nstrument will be in accordance with SEB) (MF) Regulations. Folios: 905 AUM in Crs: Plans 1.Regular 2.Direct Benchmark Index CR)S)L Composite Bond Fund )ndex )-Sec Composite )ndex Fund Manager Shri Killol Pandya Shri Kunal Jain Performance of the Scheme (As on 31/3/2015) Regular Plan - Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 12.99% 14.54% Last 3 years 8.75% 9.32% Last 5 years 8.26% 8.13% Since inception 8.88% NA Absolute Returns for each financial year for the last years Options 1. Dividend Payout and Reinvestment. Growth ` 10,000/- and in multiples of ` 1000/- thereafter. Regular Plan - Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 16.37% 15.58% Last 3 years 8.39% 10.30% Last 5 years 6.96% 8.81% Since inception 7.62% NA Absolute Returns for each financial year for the last years 20.00% 15.00% 10.00% 5.00% 0.00% BOND FUND 12.99% 4.35% 9.00% 9.66% 5.45% CRISIL Composite Bond Fund Index 14.54% 4.32% 9.24% 7.68% 5.06% Absolute Returns for each financial year for the last years Direct Plan - Gorwth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 13.62% 14.54% Last 3 years NA NA Last 5 years NA NA Since inception 9.02% 9.13% Absolute Returns for each financial year for the last years 20.00% 15.00% 10.00% 5.00% 0.00% BOND FUND 13.62% 4.91% CRISIL Composite Bond Fund Index 14.54% 4.32% GOVT SECURITIES FUND I -Sec Composite Index Series2 Absolute Returns for each financial year for the last 5 years 20.00% 15.00% 10.00% 5.00% 0.00% % 15.58% % 3.91% % 11.64% % 6.79% % 6.41% Absolute Returns for each financial year for the last years Direct Plan -Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 17.08% 15.58% Last 3 years NA NA Last 5 years NA NA Since inception 8.31% 9.59% Absolute Returns for each financial year for the last years 20.00% 15.00% 10.00% 5.00% 0.00% GOVT SECURITIES FUND I -Sec Composite Index % 0.76% Series % 3.91% Expenses of the Scheme: (i)load Structure Entry Load Nil Exit Load- 1% if redeemed or switched out on or before completion of 1 year from the date of allotments of units or Nil. (ii)recurring Expenses Actual Expenses for the previous financial year = Regular % Direct % Entry Load Nil Exit Load- Nil. Actual Expenses for the previous financial year = Regular % Direct % Mutual Fund Investments Are subject to Market Risk, Read All Scheme Related Documents Carefully.

5 Investment Objective Asset Allocation Pattern for the Scheme: No. of Folios & AUM (As on 31/3/15) Plan and Option Minimum Application Amount 5. LIC Nomura MF Income Plus (An Open Ended Debt Scheme) An open ended debt scheme which seeks to provide reasonable possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of shortterm money market and debt securities. Investments Indicative Allocation Risk Profile (% of corpus) Debt* 0-35% Low Debt* / Money mkt % Low *Debt securities includes securitised debt and Government Securities The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders. )nvestment in Derivatives )nstrument will be in accordance with SEB) (MF) Regulations. Folios: 3407 AUM in Crs: Plans 1.Regular 2.Direct Options 1. Dividend Payout and Reinvestment. Growth ` 5,000/- and in multiples of ` 500/- thereafter 6. LIC Nomura MF Monthly Income Plan (An Open Ended Income scheme) The investment objective of the Scheme is to generate regular income by investing mainly in a portfolio of quality debt securities and money market instruments. It also seeks to generate capital appreciation by investing some percentage in a mix of equity instruments. Investments Debt / Money Market* Equity Indicative Allocation (% of Corpus) Deviation (%) from Normal allocation Up to 100% - Upto 15% 30% *Debt securities includes securitised debt Risk Profile Low to Medium Medium to High The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders. )nvestment in Derivatives )nstrument will be in accordance with SEB) (MF) Regulations. Folios: 9566 AUM in Crs: Plans 1. Regular 2.Direct Options 1.Dividend Payout and Reinvestment.Growth ` 1,000/- and in multiples of ` 500/- thereafter. Benchmark Index CR)S)L Liquid Fund )ndex CR)S)L M)P Blended )ndex Fund Manager Shri Killol Pandya Shri Killol Pandya Performance of the Scheme (As on 31/3/15) Regular Plan - Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 7.40% 8.98% Last 3 years 7.92% 8.89% Last 5 years 7.70% 8.26% Since inception 7.72% 7.55% Absolute Returns for each financial year for the last years Regular Plan - Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 10.96% 16.39% Last 3 years 9.16% 10.59% Last 5 years 6.53% 8.61% Since inception 8.38% 8.60% Absolute Returns for each financial year for the last years Expenses of the Scheme: (i)load Structure Absolute Returns for each financial year for the last 5 years 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% INCOME PLUS FUND 7.40% 7.95% 8.37% 8.63% 6.11% Crisil Liquid Fund Index 8.98% 9.46% 8.17% 8.44% 6.21% Direct Plan -Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 8.35% 8.98% Last 3 years NA NA Last 5 years NA NA Since inception 8.54% 9.10% Absolute Returns for each financial year for the last years 10.00% 9.50% 9.00% 8.50% 8.00% 7.50% INCOME PLUS FUND 8.35% 8.83% Crisil Liquid Fund Index 8.98% 9.46% Entry Load Nil Exit Load-. % if exit within days or Nil. (ii) Recurring Expenses Actual Expenses for the previous financial year = Regular % Direct % Absolute Returns for each financial year for the last 5 years 20.00% 15.00% 10.00% 5.00% 0.00% MONTHLY INCOME PLAN 10.96% 9.08% 7.40% 1.68% 3.73% CRISIL MIP Blended Index 16.39% 6.44% 9.06% 5.24% 6.17% Direct Plan -Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 11.53% 16.39% Last 3 years NA NA Last 5 years NA NA Since inception 10.11% 10.35% Absolute Returns for each financial year for the last years 20.00% 15.00% 10.00% 5.00% 0.00% MONTHLY INCOME PLAN 11.53% 9.63% CRISIL MIP Blended Index 16.39% 6.44% Entry Load Nil Exit Load- % if redeemed or switched out on or before completion of 1 year from the date of allotement of units or Nil Actual Expenses for the previous financial year = Regular % Direct % Mutual Fund Investments Are subject to Market Risk, Read All Scheme Related Documents Carefully.

6 7. LIC Nomura MF Interval Fund Monthly, Quarterly and Annual Plan-Series 1 & LIC Nomura MF Interval Fund Quarterly Plan-Series 2 (A Debt oriented Interval Scheme) Investment Objective Asset Allocation Pattern for the Scheme: No. of Folios & AUM (As on 31/3/15) Plan and Option Minimum Application Amount Benchmark Index Fund Manager Performance of the Scheme (As on 31/3/15) The investment objective of the Scheme is to generate income and growth of capital by investing in debt securities and money market instruments Instruments Indicative Allocation (% of corpus) Risk Profile Debt* securities and Money Market Instruments Up to 100% Medium to Low *Debt securities includes securitised debt upto 100% The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders. )nvestment in Derivatives )nstrument will be in accordance with SEB) MF Regulations. Interval Fund Monthly Plan Series 1 Folios: 1385 AUM in Crs: Plans 1. Regular 2. Direct Rs.10,000/- and in multiples of Rs.1,000/- thereafter. CR)S)L Liquid Fund )ndex Shri Kunal Jain Interval Fund Monthly Plan - Series 1 Regular Plan - Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 8.55% 8.98% Last 3 years 8.93% 8.89% Last 5 years 8.57% 8.26% Since inception 8.38% 7.64% ^Past performance may or may not be sustained in the future. Absolute Returns for each financial year for the last 5 years Absolute Returns for each financial year for the last 5 years 10.00% 5.00% 0.00% INTERVAL FUND MONTHLY PLAN SERIES % 9.12% 9.07% 9.29% 6.80% Crisil Liquid fund Index 8.98% 9.46% 8.17% 8.44% 6.21% ^Past performance may or may not be sustained in the future. Direct Plan -Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 8.64% 8.98% Last 3 years NA NA Last 5 years NA NA Since inception 8.90% 9.10% ^Past performance may or may not be sustained in the future. Absolute Returns for each financial year for the last 2 years 10.00% 9.50% 9.00% 8.50% 8.00% INTERVAL FUND MONTHLY PLAN SERIES % 9.18% Crisil Liquid fund Index 8.98% 9.46% ^Past performance may or may not be sustained in the future. Interval Fund Quarterly Plan Series 1 Folios: 467 AUM in Crs: Options 1. Dividend Payout 2. Growth Interval Fund Quarterly Plan Series 1 Regular Plan - Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 8.72% 8.98% Last 3 years 9.01% 8.89% Last 5 years 8.65% 8.26% Since inception 8.50% 7.64% ^Past performance may or may not be sustained in the future. Absolute Returns for each financial year for the last 5 years INTERVAL FUND QUARTERLY PLAN SERIES1 Crisil Liquid fund Index Absolute Returns for each financial year for the last 5 years 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% % 8.98% % 9.46% % 8.17% % 8.44% ^Past performance may or may not be sustained in the future. Direct Plan -Growth Option Annualised Returns Scheme Returns (%)^ 6.96% 6.21% Returns (%) Last 1 year 8.85% 8.98% Last 3 years NA NA Last 5 years NA NA Since inception 8.95% 9.16% ^Past performance may or may not be sustained in the future. Absolute Returns for each financial year for the last 2 years 9.60% 9.40% 9.20% 9.00% 8.80% 8.60% 8.40% INTERVAL FUND QUARTERLY PLAN SERIES % 9.08% Crisil Liquid fund Index 8.98% 9.46% ^Past performance may or may not be sustained in the future. Interval Fund Annual Plan Series 1 Folios: 288 AUM in Crs: Interval Fund Annual Plan Series 1 Regular Plan - Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 8.79% 8.98% Last 3 years 8.89% 8.88% Last 5 years 8.08% 8.26% Since inception 8.08% 7.64% ^Past performance may or may not be sustained in the future. Absolute Returns for each financial year for the last 5 years INTERVAL FUND ANNUAL PLAN-SERIES 1 Crisil Liquid fund Index Absolute Returns for each financial year for the last 5 years 15.00% 10.00% 5.00% 0.00% % 8.98% % 9.46% % 8.17% % 8.44% ^Past performance may or may not be sustained in the future. Direct Plan -Growth Option Annualised Returns Scheme Returns (%)^ 5.09% 6.21% Returns (%) Last 1 year 9.01% 8.98% Last 3 years NA NA Last 5 years NA NA Since inception 8.59% 9.24% ^Past performance may or may not be sustained in the future. Absolute Returns for each financial year for the last 2 years 9.02% 9.01% 9.00% 8.99% 8.98% 8.97% 8.96% INTERVAL FUND ANNUAL PLAN-SERIES % Crisil Liquid fund Index 8.98% ^Past performance may or may not be sustained in the future. Interval Fund Quarterly Plan Series 2 Folios: 585 AUM in Crs: Interval Fund Quarterly Plan Series 2 Regular Plan - Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 8.51% 8.98% Last 3 years 9.19% 8.89% Last 5 years 9.06% 8.26% Since inception 8.67% 7.66% ^Past performance may or may not be sustained in the future. Absolute Returns for each financial year for the last 5 years Absolute Returns for each financial year for the last 5 years 15.00% 10.00% 5.00% 0.00% INTERVAL QUARTERLY PLAN SERIES % 9.64% 9.37% 9.37% 8.36% Crisil Liquid fund Index 8.98% 9.46% 8.17% 8.44% 6.21% ^Past performance may or may not be sustained in the future. Direct Plan -Growth Option Annualised Returns Scheme Returns (%)^ Returns (%) Last 1 year 8.65% 8.98% Last 3 years NA NA Last 5 years NA NA Since inception 9.23% 9.18% ^Past performance may or may not be sustained in the future. Absolute Returns for each financial year for the last 2 years 10.00% 9.50% 9.00% 8.50% 8.00% INTERVAL QUARTERLY PLAN SERIES % 9.69% Crisil Liquid fund Index 8.98% 9.46% ^Past performance may or may not be sustained in the future. Expenses of the Scheme: (i)load Structure Entry Load Nil Exit Load- Nil (ii)recurring Expenses Actual Expenses for the previous financial year )nterval Fund Monthly Plan = Regular % Direct % Interval Fund Quarterly Plan Regular % Direct % Interval Fund Annual Plan Regular % Direct % Interval Fund Quarterly Plan Series Regular % Direct % Mutual Fund Investments Are subject to Market Risk, Read All Scheme Related Documents Carefully.

7 LIC NOMURA MF EQUITY FUND: The scheme will primarily invest in debt and money market instruments with maturity up to days. The portfolio will be constructed and managed to generate returns to match the investment objective. The fund management team, comprising credit team will take an active view on the key drivers affecting the short term interest rate movement as well as liquidity. Macro -Economic )ndicators will be analyzed to estimate the future movement of )nterest rates. The scheme will be actively managed considering the prevailing interest rate scenario and liquidity conditions to generate superior returns.. LIC Nomura MF Bond Fund: The scheme will primarily invest in long term high credit rated corporate bonds and money market instruments. The fund management team, comprising credit team will take an active view on the key drivers affecting interest rate movement as well as liquidity. )n addition, the fund will also aim to capture positive valuation changes occurring due to changes in the shape of the yield curve. Macro -Economic Indicators will be analyzed to estimate the future movement of )nterest rates and liquidity conditions. The scheme will be actively managed considering the prevailing interest rate scenario and liquidity conditions to generate superior returns LIC Nomura MF Income plus Fund: The scheme will primarily have a diversified portfolio comprising Floating Rate, Fixed rate debt instruments and money market instruments. The portfolio will be constructed and managed to generate returns to match the investment objective. The fund management team, comprising credit team will take an active view on the key drivers affecting interest rate movement as well as liquidity. Macro -Economic )ndicators will be analyzed to estimate the future movement of )nterest rates and liquidity conditions. The scheme will be actively managed considering the prevailing interest rate scenario and liquidity conditions to generate superior returns. INVESTMENT STRATEGY LIC Nomura MF Saving Plus Fund: The scheme will primarily have a diversified portfolio comprising Floating Rate/ Fixed rate debt instruments and money market instruments. The portfolio will be constructed and managed to generate returns to match the investment objective. The fund management team, comprising credit team will take an active view on the key drivers affecting interest rate movement as well as liquidity. Macro -Economic )ndicators will be analysed to estimate the future movement of )nterest rates and liquidity conditions. The scheme will be actively managed considering the prevailing interest rate scenario and liquidity conditions to generate superior returns. LIC Nomura MF Government Securities Fund: The scheme will primarily invest in Central Govt Sec including call money Bills & repos with a view to generate credit risk free return The Scheme will purchase securities in the public offerings, as well as those traded in the secondary markets. On occasions, if deemed appropriate, the Scheme may also participate in auction of Government Securities. Macro Economic )ndicators will be analysed to estimate the future movement of )nterest rates and liquidity conditions. The scheme will be actively managed considering the prevailing interest rate scenario and liquidity conditions to generate superior returns.. LIC Nomura MF Monthly Income Plan: The scheme will primarily invest in Debt and Money market instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme s assets in equity and equity related instruments. The scheme will also strive to generate current income by capturing positive valuation changes occurring due to changes in the shape of the yield curve and equity market. Macro Economic )ndicators will be analysed to estimate the future movement of )nterest rates and liquidity conditions as well as equity markets. The scheme will be actively managed considering the prevailing interest rate scenario, equity markets and liquidity conditions to generate superior returns. LIC Nomura MF Interval Fund Monthly, Quarterly and Annual Plan - Series 1 & LIC Nomura MF Interval Fund Quarterly Plan - Series 2: To generate regular returns by investing in a portfolio of fixed income securities and money market instruments which mature on or before the opening of the immediately following specified transaction period. Under normal circumstances, up to % of the fund will be invested in Money Market )nstruments, Short term and medium term debt securities and other debt instruments. RISK FACTOR AND RISK CONTROL LIC Nomura MF Liquid Fund )nvestments made by the scheme will be affected by interest rate/price risk, credit risk or default risk, sovereign risk, liquidity risk, reinvestment risk, settlement risk. LIC Nomura MF Bond Fund: )nvestments made by the scheme will be affected by interest rate/price risk, credit risk or default risk, sovereign risk, liquidity risk, reinvestment risk, settlement risk. LIC Nomura MF Income plus Fund: )nvestments made by the scheme will be affected by interest rate, price risk, credit risk or default risk, sovereign risk, liquidity risk, reinvestment risk, settlement risk. LIC Nomura MF Saving Plus Fund: )nvestments made by the scheme will be affected by interest rate/price risk, credit risk or default risk, sovereign risk, liquidity risk, reinvestment risk, settlement risk. LIC Nomura MF Government Securities Fund: )nvestments made by the scheme will be affected by interest rate/price risk, liquidity risk, reinvestment risk, settlement risk. LIC Nomura MF Monthly Income Plan: )nvestments made by the scheme will be affected by interest rate/price risk, liquidity risk, reinvestment risk, settlement risk. )n addition investments in equity instruments will be subject to market risks LIC Nomura MF Interval Fund Monthly, Quarterly and Annual Plan - Series 1 & LIC Nomura MF Interval Fund Quarterly Plan - Series 2: )nvestments made by the scheme will be affected by interest rate, price risk, liquidity risk, reinvestment risk, settlement risk. RISK CONTROL: The company had constituted a Risk Management Committee comprising of in charge of Risk Management Systems and Chief Risk Officer Senior Officials such as Chief )nvestment Officers, Chief Marketing Officer, Chief Operating Officer and Company Secretary as the Members of the Committee. This Committee provides the risk tools, aggregation and analysis of risk information. The basic role of the Risk Management Committee is as mentioned below: Review and monitor the overall risk management framework Review and monitor the risk management policies on a regular basis Review and monitor the risk management process Review the risk reporting including the amount, nature, characteristics, concentration and quality of the assets Review of Risk Management System is placed before the Board of AMC/Trustees in every quarter. )nternal & Board approved limits are monitored by the )nvestment Committee in their weekly meetings and necessary corrective actions, if required, is taken within reasonable period of time. As stipulated by SEB), an independent review of the risk management system is conducted by the Concurrent Auditors, to check on the adequacy of the risk management systems. The observations of the auditors are placed before the Board of AMC / Trustees Mutual Fund Investments Are subject to Market Risk, Read All Scheme Related Documents Carefully.

8 INFORMATION COMMON FOR ALL THE SCHEMES Treatment of applications under "Direct" / "Regular" Plans Scenario Broker Code mentioned by the investor Plan mentioned by the investor 1 Not mentioned Not mentioned Direct Plan 2 Not mentioned Direct Direct Plan 3 Not mentioned Regular Direct Plan 4 Mentioned Direct Direct Plan 5 Direct Not Mentioned Direct Plan 6 Direct Regular Direct Plan 7 Mentioned Regular Regular Plan Default Plan to be captured 8 Mentioned Not Mentioned Regular Plan )n cases of wrong/ invalid/ incomplete ARN codes mentioned on the application form, the application shall be processed under Regular Plan. The AMC will contact and obtain the correct ARN code within calendar days of the receipt of the application form from the investor/ distributor. )n case, the correct code is not received within calendar days, the AMC will reprocess the transaction under Direct Plan from the date of application without any exit load. All Options and plans will be maintained in a common portfolio. Expenses of the Scheme: i. Load Structure: )n terms of SEB) circular no. SEB)/)MD/C)R No. / / dated June,, no entry load will be charged by the Scheme to the investor. The Upfront commission, if any, shall be paid directly by the investor to the AMFI registered Distributors based on the investors assessment of various factors including the service rendered by the distributor. No Exit Loads / CDSC will be chargeable in case of switches made from Growth option to Dividend option or vice versa within the respective Plans offered under the Scheme. No exit load shall be charged in respect of units issued to unitholders on Reinvestments of Dividends. Switch of investments from Regular Plan whether the investments were made before or after January, to Direct Plan shall be subject to applicable exit load, if any, and vice versa. Exit load/ CDSC if any up to % of the redemption value charged prior to October, to the unitholder by the Fund on redemption/switchout of units shall be retained by the schemes in a separate account and will be utilized for payment of commissions to the ARN (older and to meet other marketing and selling expenses. Any amount in excess of % of the redemption value charged to the unitholder as exit load/ CDSC was credited to the respective scheme immediately. Further, pursuant to Circular no. C)R/)MD/DF/ / dated September,, with effect from October,, exit load charged, if any, by the AMC/Mutual Fund to the unitholder shall be credited to the respective Scheme immediately, net of service tax, if any. The investor is requested to check the prevailing load structure of the Scheme before investing. ii. Recurring expenses [% of daily Net Assets]: As per Regulation 52(6) of SEBI (MF) Regulations, the total expenses of the Scheme(s), including Investment Management and Advisory Fees, shall be subject to following limits as specified below: For all Debt /Income Schemes, the limit on total expenses including )nvestment Management and Advisory fees, shall be as follows: i. On the First ` crores of the daily net assets:. %; ii. iii. iv. On the Next ` crores of the daily net assets:. %; On the Next ` crores of the daily net assets:. %; On the balance of the assets:. %. Additional Expenses in terms of newly inserted Regulation 52(6A) in addition to Maximum Total Expense Ratio on daily net assets of the Scheme(s) as permissible under Regulation 52(6) of SEBI (MF) Regulations: (a) Additional expenses not exceeding of. % of daily net assets may be charged to the Scheme, if the new inflows from beyond top cities* are at least i % of gross new inflows in the scheme or ii % of the average assets under management year to date of the scheme, whichever is higher. )n case inflows from beyond such cities is less than the higher of i or ii mentioned above, such additional expense on daily net assets of the scheme shall be charged on proportionate basis in accordance with SEB) Circular no. C)R/)MD/DF/ / dated September, The expense so charged shall be utilised for distribution expenses incurred for bringing inflows from such cities. (owever, the amount incurred as expense on account of inflows from such cities shall be credited back to the scheme in case the said inflows are redeemed within a period of one year from the date of investment. *Top 15 cities shall mean top 15 cities based on Association of Mutual Funds in India (AMFI) data on AUM by Geography - Consolidated Data for Mutual Fund Industry as at the end of the previous financial year. (b) Brokerage and transaction costs incurred for the execution of trades and included in the cost of investment, not exceeding. per cent of the value of trades in case of cash market transactions. Thus, in terms of SEBI circular CIR/IMD/DF/24/2012 dated November 19, 2012, it is hereby clarified that the brokerage and transaction costs incurred for the execution of trades may be capitalized to the extent of. per cent of the value of trades in case of cash market transactions. Any payment towards brokerage and transaction costs including service tax, if any incurred for the execution of trades, over and above the said. per cent for cash market transactions may be charged to the scheme within the maximum limit of Total Expense Ratio TER as prescribed under Regulation of the SEB) MF Regulations. (c) Additional expenses incurred towards different heads mentioned under Regulations and of SEB) MF Regulations, not exceeding 0.20 per cent of daily net assets of the scheme. Further in terms of SEBI Circular No. CIR/IMD/DF/21/2012 dated September 13, 2012, - the AMC / Mutual Fund shall annually set apart at least basis points i.e.. % on daily net assets of the scheme within the maximum limit of Total Expense Ratio as per Regulation of the SEB) MF Regulations for investor education and awareness initiatives. - AMC may charge service tax on following Fees and expenses as below: a. Investment Management and Advisory Fees: AMC may charge service tax on investment management and advisory fees to the scheme in addition to the maximum limit of Total Expense Ratio as prescribed under Regulation of the SEB) MF Regulations. Currently, service tax is % for AMC fees as per taxation laws in force. b. Other than Investment Management and Advisory Fees: AMC may charge service tax on expenses other than investment management and advisory fees to the scheme within the maximum limit of Total Expense Ratio as prescribed under Regulation of the SEB) MF Regulations. Further, service tax on Brokerage and transaction cost incurred for execution of trades, will be within the maximum limit of Total Expense Ratio as prescribed under Regulation 52 of the SEBI (MF) Regulations. Mutual Fund Investments Are subject to Market Risk, Read All Scheme Related Documents Carefully.

9 Prudential limits on portfolio concentration risk in debt- oriented schemes Applicable NAV (d) Fungibility of Maximum Permissible expense: The said maximum TER shall either be apportioned under various expense heads, without any sub limit or allocated to any of the permissible expense head s at the discretion of AMC. Also, the types of expenses charged shall be as permissible under SEB) MF Regulations. The total recurring expenses of the scheme excluding issue or redemption expenses, whether initially borne by the Mutual Fund or by the AMC, but including the investment management and advisory fee, shall not exceed the limits as prescribed under Regulation of the SEB) MF Regulations. Subject to the SEB) MF Regulations, expenses over and above the prescribed ceiling will be borne by the AMC. )nvestors are requested to refer to Section )V-FEES AND EXPENSES - B. Annual Scheme Recurring Expense of the respective Scheme )nformation Document. Pursuant to SEB) Circular C)R/)MD/DF/ / dated September, read with SEB) circular C)R/)MD/DF/ / dated November,, no scheme shall take exposure in fixed income securities in excess of % of net assets in any sector as per sectoral classification as prescribed by AMF). Provided that an additional exposure to financial services sector over and above the limit of % not exceeding % of the net assets of the scheme shall be allowed by way of increase in exposure to (ousing Finance Companies (FCs only. Provided further that the additional exposure to such securities issued by (FCs are rated AA and above and these (FCs are registered with National (ousing Bank N(B and the total investment / exposure in (FCs shall not exceed % of the net assets of the scheme. Further provided that the above sectoral limit is not applicable for: i. AAA rated instruments of PSU Banks and AAA rated instruments of Public Financial )nstitutions PF)s. ii. CBLOs iii. Bank Certificate of Deposits. iv. Government of India securities v. Treasury Bills. Mutual Fund/AMC will comply with the aforesaid requirement within one year from the date of SEB) Circular C)R/)MD/DF/ / dated September, and put in place such systems to ensure that sectoral exposure limit specified above does not increase from the levels existing as on September 13, )n accordance with provisions of SEB) Circular No. C)R/)MD/DF/ / dated September,, SEB) circular No. Cir/ )MD/ DF/ / dated November 26, 2010, SEBI Circular No. IMD/ CIR No. 11 / / 08 dated October 24, 2008 and SEBI Circular SEBI/ IMD/ CIR No.11/ / dated October, and further amendments if any, thereto, the following cut-off timings shall be observed by Mutual Fund in respect of purchase/ redemption/ switches of units of the scheme, and the following NAVs shall be applied in each case: FOR SUBSCRIPTIONS / PURCHASE INCLUDING SWITCH-IN OF UNITS#: I. Applicable NAV for Subscriptions / Purchase including switch-in of units for Liquid Scheme i.e. LIC Nomura MF Liquid Fund: where the application is received upto. p.m. on a day and funds are available for utilization before the cut-off time without availing any credit facility, whether, intra-day or otherwise - the closing NAV of the day immediately preceding the day of receipt of application; where the application is received after. p.m. on a day and funds are available for utilization on the same day without availing any credit facility, whether, intra-day or otherwise - the closing NAV of the day immediately preceding the next business day; and irrespective of the time of receipt of application, where the funds are not available for utilization before the cut-off time without availing any credit facility, whether, intra-day or otherwise - the closing NAV of the day immediately preceding the day on which the funds are available for utilization. For allotment of units in respect of subscriptions / purchase including switch-in of units for Liquid Scheme/s, it shall be ensured that: i Application / switch-in request is received before the applicable cut-off time. ii Funds for the entire amount of subscription / purchase as per the application/switch-in request are credited to the bank account of the Liquid Scheme before the cut-off time. iii The funds are available for utilization before the cut-off time without availing any credit facility whether intra-day or other wise, by the respective Liquid Scheme. II. Applicable NAV for Subscriptions / Purchase including switch-in of units for other schemes offered through this Common KIM (for applications for an amount of less than Rs. 2 lacs under): )n respect of valid applications received upto. p.m. by the Mutual Fund alongwith a local cheque or a demand draft payable at par at the place where the application is received, the closing NAV of the day on which application is received shall be applicable. )n respect of valid applications received after. p.m. by the Mutual Fund alongwith a local cheque or a demand draft payable at par at the place where the application is received, the closing NAV of the next business day shall be applicable. III. Applicable NAV for Subscriptions / Purchase switch-in of units for other schemes offered through this Common KIM (for an amount of Rs. 2 lacs and above): )n respect of valid applications for purchase of units with amount equal to or more than Rs. lacs, the closing NAV of the day or immediately following Business Day if that day is not a Business day on which the funds are available for utilization, shall be applicable. )n respect of subscriptions/purchase/switch-in application with amount equal to or more than Rs. lacs, for allotment of units at applicable NAV as above, it shall be ensured that: i. Application is received before the applicable cut-off time i.e.. p.m.. ii. Funds for the entire amount of subscription / purchase /switch-in as per the application are credited to the bank account of the respective scheme before the applicable cut-off time (i.e p.m.). iii. The funds are available for utilization before the applicable cut-off time i.e.. p.m. without availing any credit facility whether intra-day or otherwise, by the respective scheme. FOR REDEMPTIONS INCLUDING SWITCH-OUT OF UNITS: I. Applicable NAV for Redemptions including switch-out of Units for Liquid Scheme i.e. LIC Nomura MF Liquid Fund: Term Plan: )n respect of valid applications received upto. p.m., the closing NAV of the day immediately preceding the next business day; )n respect of valid applications received after. p.m., the closing NAV of the next business day. II. Applicable NAV for Redemptions including switch-out of Units for other schemes offered through this Common KIM: )n respect of valid applications received upto. p.m. by the Mutual Fund, same day s closing NAV shall be applicable. )n respect of valid applications received after. p.m. by the Mutual Fund, the closing NAV of the next business day shall be applicab le. While the Applicable NAV shall be as per cut-off time specified above, the NAV shall be declared in accordance with the provisions as mentioned in the respective Scheme Information Document. # )nvestors are requested to note that the following practice of aggregating multiple / split applications / transactions shall be followed and accordingly the closing Net Asset Value NAV of the day on which the funds are available for utilization is being implemented where the aggregated amount of investments is Rs. 2 lacs and above. (a) All transactions received on same Business Day (as per cut-off timing and Time stamping r ule prescribed under SEBI (Mutual Funds) Regulations, or circulars issued thereunder from time to time. b Aggregation of transactions shall be applicable to all Schemes excluding Liquid Schemes offered under this Common K)M. c Transactions shall include purchases, additional purchases, and exclude Switches, Systematic Investment Plans (SIP) and Systematic Transfer Plans (STP). (d) Aggregation of transactions shall be done on the basis of investor(s) Permanent Account Number PAN. )n case of joint holding in folios, transactions with similar holding pattern will be aggregated. e Such aggregation shall be done irrespective of the number of folios under which the investor is investing and irrespective of source of funds, mode of payment, location and time of application. f All transactions will be aggregated where investor holding pattern is same as stated above, irrespective of whether the amount of the individual transaction is above or below Rs. lacs. g Only transactions in the same Scheme shall be clubbed. This will include transactions at plan / options level i.e. Regular Plan, Direct Plan, Dividend Option, Growth Option, etc. h Transactions in the name of minor received through guardian will not be aggregated with the transaction in the name of same guardian. (owever, two or more transactions in the same folio of a minor will be considered for aggregation. Mutual Fund Investments Are subject to Market Risk, Read All Scheme Related Documents Carefully.

10 Daily NAV Publication Dividend Policy Dividend Transfer Plan (DTP) Direct Plan Waiver of Load for Direct Applications Tax treatment for Unitholders Name of the Trustee Company For Investor Grievances please contact Unitholders Information The NAV will be declared on all business days and will be published atleast in daily newspapers in accordance with SEB) MF Regulations. NAV can also be viewed on and )nvestors can also call up at our toll free number Under the Dividend Option, the Fund expects to declare dividend on a regular basis subject to availability of distributable surplus, as computed in accordance with SEB) Mutual Funds Regulations,. Dividends, if declared, will be paid subject to deduction of TDS, if any to those unithholders whose names appear in the Register of Unitholders as on the Record Date. Dividend Warrants will be dispatched to the unitholders within days of the declaration of the dividend. (owever, it must be clearly understood that the actual declaration of dividend and the frequency thereof will inter alia, depend on the availability of distributable profits as computed in accordance with SEB) Mutual Funds Regulations,. The decision of the Trustee in this regard shall be final. There is no assurance or guarantee to the unitholders as to the rate of dividend distribution or that dividends will be paid regularly. On payment of dividend, the NAV will fall to the extent of dividend amount and dividend tax if applicable DTP has been introduced in all our schemes w.e.f / /. )f an investor wants to opt for DTP, he can do so by filing of the transaction slip available at our offices. There is no assurance or guarantee to the unitholders as to rate of income distribution and regularity in declaration of income distribution. Though it is the intention of the fund to make monthly, quarterly and yearly income distribution under the dividend option. )n accordance with Para D titled Separate Option for direct investments under SEB) Circular no. C)R/)MD/DF/ / dated September,, a separate plan for direct investments i.e. investments not routed through an AMF) Registration Number ARN (older Distributor Direct Pla n is being offered under all schemes with effect from January, : (a) Direct Plan is only for investors who purchase /subscribe Units in a Scheme directly with the Mutual Fund and is not availabl e for investors who route their investments through a Distributor. )nvestors should indicate the Plan for which the subscription is made by indicating the choice in the application form. (b) Eligible investors: All categories of investors whether existing or new Unitholders as permitted under the S)D are eligible to subscribe under Direct Plan. (c) Modes for applying: )nvestments under Direct Plan can be made through various modes offered by the Mutual Fund for investing directly with the Mutual Fund [except through Stock Exchange Platforms for Mutual Funds and all other Platform s where investors applications for subscri ption of units are routed through Distributors].(d) How to apply: i. )nvestors desirous of subscribing under Direct Plan of a Scheme will have to ensure to indicate Direct Plan against the Scheme name in the application form. ii. )nvestors should also indicate Direct in the ARN column of the application form.(e) Scheme characteristics: Scheme characteristics such as )nvestment Objective, Asset Allocation Pattern, )nvestment Strategy, risk factors, facilities offered and terms and conditions including load structure will be the same for the Regular Plan and the Direct Plan except that: a Switch of investments from Regular Plan whether the investments were made before or after the Effective Date to Direct Plan shall be subject to applicable exit load, if any, and vice versa. b Direct Plan shall have a lower total expense ratio as compared to expense ratio of Regular Plan under same scheme. The difference in the expense ratio between the Direct Plan and Regular Plan will be only resulting from exclusion of distribution expenses, commission, etc. for distribution of Units under Regular Plan. f Investments through systematic routes: (a) In case of Systematic )nvestment Plan S)P / Systematic Transfer Plan STP etc. registered prior to the January, without any distributor code under the Regular Plan, installments falling on or after the January, will automatically be processed under the Direct Plan. b )nvestors who had registered for Systematic )nvestment Plan facility prior to the January, with distributor code and wish to invest their future installments into the Direct Plan shall make a written request to the Mutual Fund in this behalf. The Fund will take at least days to process such requests. )ntervening installments will continue in the Regular Plan. (g) Redemption requests: Where Units under a Scheme are held under both Regular and Direct Plans and the redemption / Switch request pertains to the Direct Plan, the same must clearly be mentioned on the request along with the folio number, failing which the request would be processed from the Regular Plan. (owever, where Units under the requested Option are held only under one Plan, the request would be processed under such Plan. Pursuant to SEBI Circular no SEBI/IMD/CIR No 4/16831/09 dated June no entry load shall be charged for all mutual funds schemes. Therefore procedure for waiver of load for direct application is no longer applicable. )nvestors are advised to refer to the details in the Statement of Additional )nformation and also independently refer to his tax advisor. LIC Nomura Mutual Fund Trustee Company Private Limited M/s. Karvy Computershare Pvt. Ltd. Unit: L)C Nomura Mutual Fund Karvy Plaza, (ouse No. - -,Avenue, Street No., Banjara (ills, Hyderabad Tel. - - ; Fax : - service_licmf@karvy.com Web. : / Account Statements / Confirmation: LIC NOMURA Mutual Fund 4th Floor, Industrial Assurance Building Opp. Churchgate Station, Churchgate, Mumbai Tel.: - ; Fax: - Toll Free No.: service@licnomuramf.com Website: On acceptance of the application for subscription, an allotment confirmation specifying the number of units allotted to the investor shall be send by way of to the investors registered address not later than five business days from the date of receipt of request. For those unitholder, who have provided an address, the AMC will send the communication by . Unitholder who receive statements may download the documents after receiving from the Mutual Fund. )f any Unitholder experience any difficulty in accessing the electronically delivered documents, the Unitholder shall promptly advise the Mutual Fund to enable the Mutual Fund to make the delivery through alternate means. )t is deemed that the Unitholder is aware of all security risks including possible third party )nterception of the documents and contents of the documents becoming known to third parties. Annual Report : The Scheme wise annual report or an abridged summary thereof shall be sent to all Unitholders not later than four months from the date of closure of the relevant accounting year and full annual report shall be available for inspection at the (ead Office of the Mutual Fund and a copy shall be made available to the Unitholders on request on payment of nominal fees, if any. The scheme wise annual report or an abridged summary thereof the reports shall be sent: (i) By only to the Unitholders whose address is available with L)C Nomura Mutual Fund; ii in physical whose addresss is not available with L)C Nomura Mutual Fund and / or to those Unitholders who have opted / requested for the same. Accordingly, unitholders are requested to ensure that their folio s are updated with address, in case they wish to receive the reports electronically i.e. via . Also, in case the unitholders wish to receive physical coplies of reports they may indicate as such, notwithstanding registration of address with L)C Nomura Mutual Fund. Mutual Fund Investments Are subject to Market Risk, Read All Scheme Related Documents Carefully.

11 Transaction Charges The physical copy of the scheme wise annual report or abridged summary thereof shall be made available to the investors at the registered office of the L)C Nomura Mutual Fund. A link of the scheme annual report or abridged summary thereof shall be displayed prominently on the website of the Mutual Fund and shall also be displayed on the website of AMF) Half yearly Disclosures (Unaudited Financial Results / Portfolio): Mutual Fund / AMC shall within one month from the close of each half year, i.e. st March and on th September, host a soft copy of its unaudited financial results on its website Further, the Mutual Fund / AMC shall publish an advertisement disclosing the hosting of such unaudited half yearly financial results on their website, in atleast one national English daily newspaper and a regional newspaper published in the language of the region where the (ead Office of the Mutual Fund is situated. The Mutual Fund / AMC shall before the expiry of one month from the close of each half year i.e. st March and th September, publish its complete statement of the scheme portfolio in prescribed format as at end of such half year in one national English daily newspaper and in a regional newspaper published in the language of the region where the (ead Office of the Mutual Fund is situated. Further, the montly portfolio of the scheme alongwith )S)N shall also be made availabe on the website of Mutual Fund on or before tenth day of the succeeding month. Option to Hold Units in demat mode: )nvestors shall have an option to subscribe to/ hold the units in electronic demat form in accordance with the guidelines/ procedural requirements as laid by the Depositories NSDL/CDSL from time to time. )n case of S)P, units will be allotted based on the applicable NAV as per provisions of Scheme )nformation Document and will be credited to demat account of the investors on weekly basis upon realisation of funds. (owever, Special Products/Facilities such as Systematic Withdrawal Plan, Systematic Transfer Plan and Switching facility offered by Mutual Fund shall be available for unitholders under the scheme in case the units are held/opted to be held in physical (non-demat) mode. Investors intending to hold units in electronic demat form will be required to have beneficiaiy account with a Depositoiy Participant DP registered with NSDL / CDSL and will be required to indicate, in the application form, the DP s name, DP )D Number and the Beneficiary account number of the applicant held with the DP at the time of subscribing to the units. Applicants must ensure that the sequence of the names as mentioned in the application form matches with that of the beneficiary account held with the DP. Names, PAN details, KYC details etc. mentioned in the Application Form will be verified against the Depository records. If the details mentioned in the application form are found to be incomplete / incorrect or not matching with the depository records, the application shall be treated as application for physical (non-demat) mode and accordingly units will be allotted in physical (non-demat) mode, subject to it being complete in all other aspects. Unitholders who have opted to hold and thereby allotted units in electronic demat form will receive payment of edemption / dividend proceeds into bank account linked to their Demat account )n case, the Unitholder desires to hold the Units in a Dematerialized / Rematerialized form at a later date, the request for conversion of units held in physical non-demat mode into electronic demat form or vice-versa should be submitted alongwith a Demat / Remat Request Form to their Depository Participant s. )nvestors should ensure that the combination of names in the account statement is the same as that in the demat account The allotment of units in demat form shall be subject in terms of the guidelines / procedural requirements as laid by the Depositories NSDL/CDSL from time to time. Further, the units held in electronic demat form will be transferable in accordance with provisions of Depositories Act, and the Securities and Exchange Board of )ndia Depositories and Participants Regulations, 1996 as may be amended from time to time. SEB) has, with the intent to enable investment by people with small saving potential and to increase reach of Mutual Fund products in urban areas and in smaller towns, wherein the role of the distributor is considered vital, allowed AMCs vide its circular No. Cir/ )MD/ DF/ / dated August, 2011 to deduct transaction charges for subscription of Rs. 10,000/- and above. )n accordance with the said circular, L)C Nomura Mutual Fund will deduct the transaction charges from the subscription amount and pay to the distributors as shown below who have opted-in to receive the transaction charges on basis of type of product. Thereafter, the balance of the subscription amount shall be invested.. Transaction charges shall be deducted for Applications for^purchase/ subscription relating to new inflows and routed through distributor/ agent: Investor Type Transaction charges* First Time Mutual Fund Investor (across Mutual Funds) Rs. 150 for subscription application of Rs. 10,000 and above. Investor other than First Time Mutual Fund Investor Rs. 100 for subscription application of Rs. 10,000 and above.. ^The transaction charge, if any, shall be deducted by the L)C Nomura Mutual Fund from the subscription amount and paid to the distributor; and the balance shall be invested and accordingly units allotted. The statement of account shall clearly state the net investment as gross subscription less transaction charge and depict the number of units allotted against the net investment amount (owever, Transaction charges in case of investments through Systematic )nvestment Plan S)P from first time mutual fund investor and investor other than first time mutual fund investor shall be deducted only if the total commitment i.e. amount per S)P installment x No. of installments amounts to Rs., /- or more. The transaction charges shall be deducted in 3-4 installments. 3. Transaction charges shall not be deducted/applicable for: a purchases / subscriptions for an amount less than Rs., /-; b transaction other than purchases / subscriptions relating to new inflows such as Switches / STPs etc. (c) Purchases / subscriptions made directly with the Mutual Fund (i.e. not routed through any distributor / agent), d Transactions carried out through the Stock Exchange Platforms for Mutual Funds. 4. Investor should note that, as per SEBI circular no. SEBI/IMD/CIR No. 4/ /09, dated June 30, 2009, the upfront commission, if any, on investment made by the investor shall continue to be paid by the investor directly to the Distributor by a separate cheque, based on his assessment of various factors including the service rendered by the Distributor. Mutual Fund Investments Are subject to Market Risk, Read All Scheme Related Documents Carefully.

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13 COMMON APPLICATION FORM )nvestors must read the )ey )nformation Memorandum, the instructions and product labeling on cover page before completing this Form. The Application Form should be completed in English and in BLOC) LETTERS only. )EY PARTNER / ARN (OLDER )NFORMAT)ON )nvestors applying under Direct Plan must mention Direct in ARN Code column. Refer )nstruction & ARN Code Sub-broker Code Sub-broker ARN Code Employee Unique )dentification Number EU)N Application No. Time Stamp No For office use only Declaration for execution-only transaction only where EU)N box is left blank Refer )nstruction No. ) / We hereby confirm that the EU)N box has been intentionally left blank by me / us as this is an execution-only transaction without any interaction or advice by the employee/ relationship manager/ sales person of the above distributor or notwithstanding the advice of in-appropriateness, if any, provided by the employee / relationship manager / sales person of the distributor and the distributor has not charged any advisory fees on this transaction. please tick and sign DOB SIGN HERE First/ Sole Applicant/ Guardian SIGN HERE Second Applicant TRANSACT)ON C(ARGES FOR APPL)CANTS T(ROUG( ARN (OLDER ONLY [Refer )nstruction ] SIGN HERE Third Applicant ) confirm that ) am a First time investor across Mutual Funds. ) confirm that ) am an existing investor in Mutual Funds. Rs. deductible as Transaction Charge and payable to the Distributor Rs. deductible as Transaction Charge and payable to the Distributor )n case the purchase/ subscription amount is Rs., or more and your Distributor has opted in to receive Transaction Charges, the same are deductible as applicable from the purchase/ subscription amount and payable to the Distributor. Units will be issued against the balance amount invested. Upfront commission shall be paid directly by the investor to the ARN (older AMF) registered Distributor based on the investors assessment of various factors including the service rendered by the ARN (older. 1. EXISTING UNIT HOLDER INFORMATION )f you have existing folio, with PAN & )YC validation please fill in section and proceed to section. Folio No. D D M M Y Y Y Y DOB is mandatory in case of unit holder is minor. Proof attached. Please Second Applicant s Name FIRST MIDDLE LAST KYC : Third Applicant s Name FIRST MIDDLE LAST KYC : First Applicant PAN : Second Applicant PAN : Third Applicant PAN : NAME OF GUARDIAN in case of First / Sole Applicant is a Minor / NAME OF CONTACT PERSON DES)GNAT)ON in case of non-individual )nvestors FIRST MIDDLE LAST PAN: KYC Relationship with minor Please Father Mother Court Appointed Legal Guardian 3. TAX STATUS Please tick Resident )ndividual FIIs NR)-NRO HUF Club/Society P)O Body Corporate Minor Government Body Trust NRI-NRE Bank & F) Sole Proprietor Partnership Firm QFI FP) Others Company LLP 4. KYC Details (Mandatory) Occupation Please tick ( ) FIRST APPLICANT Private Sector Student SECOND APPLICANT Private Sector Student THIRD APPLICANT Private Sector Student GROSS ANNUAL )NCOME [Please tick ( )] Public Sector Forex Dealer Public Sector Forex Dealer Public Sector Forex Dealer Government Service Business Professional Agriculturist Others... please specify Government Service Business Professional Agriculturist Others... please specify Government Service Business Professional Agriculturist Others... please specify Retired (ousewife Retired (ousewife Retired (ousewife FIRST APPLICANT Below Lac - Lacs - Lacs - Lacs > Lacs - Crore > Crore Net worth Mandatory for Non-)ndividual Rs. as on D D M M Y Y Y Y Not older than year SECOND APPLICANT Below lac - Lacs - Lacs - Lacs > Lacs - Crore > Crore OR Net Worth Not older than year THIRD APPLICANT Below lac - Lacs - Lacs - Lacs > Lacs - Crore > Crore OR Net Worth The details in our records under the folio number mentioned alongside will apply for this application 2. APPLICANT(S) DETAILS )n case of Minor, there shall be no joint holders Mandatory information )f left blank the application is liable to be rejected. Sole/First Applicant s Name FIRST MIDDLE LAST KYC : Not older than year For Individual For Non-Individual Investors (Companies, Trust, Partnership etc.) ) am Politically Exposed Person )s the company a Listed Company or Subsidiary of Listed Company or Controlled by a Also applicable for authorized signatories/ Listed Company )f No. please attach mandatory Ultimate Beneficial Ownership UBO Declaration Promoters/)arta/Trustee/Whole time Foreign Exchange / Money Changer Services Directors please mention ) am Related to Politically Exposed Not Applicable Gaming / Gambling / Lottery / Casino Services Money Lending / Pawning None of the above 5. MODE OF HOLDOING [Please tick ( )] Joint Single Anyone of Survivor Default option is Anyone of Survivor 6. MA)L)NG ADDRESS OF F)RST / SOLE APPL)CANT MANDATORY (Refer Instruction 11) Yes Yes Yes Yes Yes No No No No No Landmark City State Pincode Counry TO BE F)LLED )N BY T(E )NVESTOR ACKNOWLEDGEMENT SLIP Received an application for purchase of units of L)C Nomura MF Scheme Name with option from Mr/Mrs/M/s. Name of the investor Cheque/Draft No./Payment )nstrument No. Dated Bank Branch Drawn on For ` Bank Charges in cases of Draft of ` Date Please Note : All purchases are subject to realisation of Cheque / Demand Draft / Payment )nstrument. APP. No alongwith Time Stamp No. )SC Signature, Stamp & Date

14 7. CONTACT DETAILS OF SOLE/FIRST APPLICANT Mobile No. and Id. Refer Instruction No. 11) )d Please Specify Mobile No. Tel no Resi STD Code Off STD Code 8. Overseas address Overseas address is mandatory for NR) / F)) applicants in addition to mailing address in )ndia Landmark City State Pincode Country 9. DEMAT ACCOUNT DETAILS* - Optional - refer instruction DP NAME DP )D Beneficiary Account No 10. FATCA Detail For )ndividuals & (UF Mandatory Non )ndividual investors should mandatoryly fill separate FACTA details form Do you have any non-)ndian Country ies of Birth / Citizenship / Nationality and Tax Residency? Yes No Please tick as applicable and if yes, provide the below mentioned information )mandatory. Sole/First Applicant/Guardian Yes No 2nd Applicant Yes No 3rd Applicant Yes No or POA Yes No Country of Birth Country of Birth Country of Birth County of Citizenship/ Nationality Are you e US Specified Person? Yes No please provide Tax Payer )d. Country of Tax Residency* Taxpayer )dentifiation No. other than )ndia Place : SIGN HERE First Applicant/ Guardian NSDL Country of Citizenship/ Nationality Are you a US Specified Person? Yes No please provide Tax Payer )d. Country of Tax Residency* Taxpayer )dentifiation No. other than )ndia SIGN HERE Second Applicant Country of Citizenship/ Nationality Are you a US Specified Person? Yes No please provide Tax Payer )d. Country of Tax Residency* Taxpayer )dentifiation No. other than )ndia 1 2 * Please indicate all countries in which you are a residend for tax purpose and associated Tax Payer )ndentification number. )n case of association with POA, the POA holder shoulder fill form to provide the above details mandatorily. 11. BANK ACCOUNT DETAILS OF THE FIRST APPLICANT refer instruction As per SEB) Regulations it is mandatory for investors to provide their bank account details Account No. Name of the Bank Type of A/c SB Current NRE NRO FCNR Others Ps specify Branch Bank City )FSC code** MICR no Refer )nstruction. Mandatory to attach proof, in case the pay-out bank account is different from the bank account where the investment is made For unit holders opting to hold units in demat form, please ensure that the bank account is mentioned here. **Mandatory to credit via NEFT/RTGS 12. INVESTMENT DETAILS [ Please tick ] Refer )nstruction No., & )f this section is left blank, only folio will be created Separate cheque/demand draft must be )ssued for each )nvestment, drawn in favour of respective scheme name. Please write appropriate scheme name as well as the Plan / Option / Sub Option. *All purchases are subject to relaization of fund Refer to )nstruction No. Account Type Please tick SB Current NRE NRO FCNR Others Per Specify 13. Option for Switch Switch in To LIC Nomura MF Plan Option Regular Direct Growth /Dividend / Div Reinvestment /Div Payout Amount: Rs From Scheme Name * Cheque / DD Favouring Scheme Name refer )nstruction & LIC Nomura MF Folio No. Amount : Rs. 14. NOMINATION DETAILS Refer )nstruction No. Plan / Option )/We wish to nominate )/We DO NOT wish to nominate and sign here st Applicatnt Signature Mandatory Nomination Name and Address Guardian Name in case of Minor Allocation % Nominee / Guardian Signature Nominee 1 100% To register multiple nominee please fill seperate Nomination Form Amount )nvested Rs. 15. POA (Power of Attorney) REG)STRAT)ON DETA)LS Refer )nstruction overleaf DD Charges Net Amount Paid Rs. Name of the POA holder Attached )YC Letter Mandatory PAN of the PoA holder Notarized copy of PoA 16. DECLARATION & SIGNATURE/S a (aving read & understand the contents of the Scheme )nformation Document of the Scheme & reinvestment scheme. )/We hereby apply for units of the scheme & agree to abide by the terms, conditions, rules & regulations governing the scheme. ) /We hereby declare that the amount invested in the scheme is through ligitimate sources only & does not involve & is not designed for the purpose of the contravention of any Act, Rules, Regulations, Notifications or Directions of the provisions of the )ncome Tax Act, Anti Money laundering Laws, Anti Corruption Laws or any other applicable laws enacted by the Govt. of )ndia from time to time. ) /We have understood the details of the scheme & ) /We have nor recieved nor have been induced by any rebate or gifts, directly or indirectly in making this investment. ) /We confirm that the funds invested in the Scheme, legally belong to me / us, )n the event ")now Tour Customer" process is not completed by me / us to the satisfaction of the AMC. ) /We hereby authorised the AMC, to redeem the funds invested in the Scheme, in favour of the applicant at the applicable NAV prevalling on the date of such redemption & undertaking such other action with such funds that may be required by the Law. b for NR)s: ) /We confirm that ) am/ we are Non Resident of )ndian Nationality / Origin & that ) /we have remitted funds from abroad through approved banking channels or from funds in my/our Non-Resident External / Non- Resident Ordinary. )/We confirm that details provided by me/us are true & correct. c The ARN holder has disclosed to me/us all the commissions in the form of trail commission or any other mode. payable to him for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to me/us. d )/We have read & understood the SEB) Circular no. MRD/DoP/Cir / dt. April, & SEB) Circular No. / MEM-COR/ / - dt. (une, regarding mandatory requirement of PAN. )/We confirm that )/we are holding valid PAN card / have applied for PAN. e The ARN holder has disclosed to me/us all the commission )n the form of trail commission or any other mode, payable to him for the different competing Scheme of various Mutual Fund from amongst which the Scheme is being recommended to me /us. Date : Plan CDSL Option Regular Direct Growth /Dividend / Div Reinvestment /Div Payout Units: Cheque/DD No./UTR No. in case of NEFT/RTGS Bank and Branch and Account Number SIGN HERE Third Applicant For any queries please contact our nearest Investor Service Centre or Call Toll Free Number service@licnomuramf.com Website :

15 INSTRUCTIONS 1. Please read Key Information Memorandum, terms of the Scheme Information Documents) of the respective Scheme(s) and Statement of Additional Information carefully bef re i ing the A icati n F r. Invest rs sh u d a rise the se ves f the revai ing L ad structure n the date f sub itting the A icati n F r. Invest rs are dee ed t have acce ted the ter s subject t which these ffers are being ade and bind the se ves t the ter s u n signing the A icati n F r and tendering ay ent New invest rs wishing t ake SIP invest ent wi need t c ete and sub it b th the A icati n F r and the SIP Enr ent F r (f r P st Dated Cheques r f r Aut Debit/ ECS/ Standing Instructi n as a icab e).the A icati n F r sh u d be c eted in ENGLISH and in BLOCK LETTERS n y. P ease tick in the a r riate b x f r re evant ti ns wherever a icab e. P ease d n t verwrite. F r any c rrecti n / changes (if any) ade, the s e / a a icants are requested t authenticate the sa e by cance ing and re-writing the c rrect detai s and c unter-signing the sa e. A icati ns c ete in a res ects, ay be sub itted at the designated Oficia P ints f Acce tance f L1C N ura Mutua Fund. Invest rs ust write the A icati n F r nu ber / F i nu ber n the reverse f the cheques and bank drafts acc anying the A icati n F r. Applications incomplete in any respect are liable to be rejected. P ease n te that if n P an is ticked / indicated in the A icati n f r, the units wi, by defau t be a tted under the Gr wth P an f the Sche e. Si i ar y, Dividend Reinvest ent O ti n f the Dividend P an sha be the defau t sub- ti ns. 2. Direct Investments: Invest rs a ying under Direct P an ust enti n "Direct" in ARN c u n. In case Distribut r c de is enti ned in the a icati n f r, but "Direct P an" is indicated against the Sche e na e, the Distribut r c de wi be ign red and the a icati n wi be r cessed under Direct P an. In case f va id a icati n received with ut indicating "Direct P an" against the Sche e / P an na e and with ut any Distribut r C de enti ned n the f r, the a icati n wi be r cessed under "Direct P an". 3. Investments through distributors 3.1. As er directi ns f Securities and Exchange B ard f India (SEBI), the distribut rs, agents r any ers ns e yed r engaged r t be e yed r engaged in the sa e and/ r distributi n f utua fund r ducts are required t have a va id certiicati n fr the Nati na Institute f Securities Markets (NISM) by assing the certiicati n exa inati n. Further, n agents / distribut rs are entit ed t se units f utua funds un ess the inter ediary is register ed with Ass ciati n f Mutua Funds in India (AMFI). New cadre distribut rs: SEBI has intr duced a new cadre f distribut rs such as sta agents; retired g vern ent and se i-g vern ent ficia s (c ass HI and ab ve r equiva ent), retired teachers and retired bank ficers (a such retired ers ns with at east 10 years f service) and ther si i ar ers ns (such as Bank c rres ndents) as ay be n tiied by AMFI/AMC fr ti e t ti e. Such New Cadre distribut r can se n y 'sini e and erf r ing' diversiied equity sche es, index funds and ixed maturity 3.2. There is a re-ix f *SD* bef re the ARN nu ber f such distribut rs. They a s h d an EU1N which ust be qu ted in the a icati n f r. In case y ur a icati n f r subscri ti n is thr ugh such distribut r is n t f r an e igib e sche e, it is iab e t be rejected Enj yee Unique Identiicati n Nu ber (EUIN): SEBI has ade it c u s ry f r every e yee/ re ati nshi anager/ sa es ers n f the distribut r f utua fund r ducts t qu te the EUIN btained by hi /her fr AMFI in the A icati n F r. EUIN, articu ar y in advis ry transacti ns, w u d assist in addressing any instance f issc ing even if the e yee/re ati nshi anager /sa es ers n ater eaves the e y ent f the distribut r. Individua ARN h ders inc uding seni r citizens distributing utua fund r ducts are a s required t btain and qu te EUIN in the A icati n F r. Hence, if y ur invest ents are r uted thr ugh a distribut r ease ensure that the EUIN is c rrect y i ed u in the A icati n F r. H wever, if y ur distribut r has n t given y u any advice ertaining t the invest ent the EUIN b x ay be eft b ank. In this case, y u are required t r vide a du y signed dec arati n t this effect, as given in the F r. 3.4.Overseas Distribut rs: Overseas Distribut rs are exe t fr btaining NISM certiicati n and AMFI registrati n. H wever, such Overseas Distribut rs are required t c y with the guide ines/ require ents as ay be issued by AMFI /SEBI fr ti e t ti e and a s c y with the aws, ru es and regu ati ns f jurisdicti ns where they carry ut their eratmms in the ca acity f distribut rs. Further, EUIN wi n t be a icab e f r verseas distribut rs wh c y with the require ents as er AMFI circu ar CIR/ ARN-14/12-13 dated Ju y 13, Transaction Charges 4.1. n acc rdance with SEBI circu ar N. Cir/ IMD/ DF/13/ 2011 dated August 22, 2011, as a ended fr ti e t ti e LIC N ura Asset Manage ent C any Li ited ( the AMC)/Mutua Fund wil deduct Transacti n Charges fr the urchase/ subscri ti n a unt received fr the invest rs investing thr ugh a va id ARN H der i.e. AMFI registered Distribut r ( r vided the Distribut r has ted-in t receive the Transacti n Charges) The Distribut r ay t t receive transacti n charges based n the ty e f r duct, Transacti n Charge f Rs. 150 (f r a irst ti e invest r acr ss utua funds) r Rs, 100 (f r invest r ther than irst ti e utua fund invest r) er urchase / subscri ti n f Rs. 10,000 and ab ve are deductib e fr the urchase / subscri ti n a unt and ayab e t the Distribut r. T he ba ance a unt sha be invested. There sha be n transacti n charge n subscri ti n be w Rs. 10,000/- and n transacti ns ther than urchases/ subscri ti ns re ating t new inl ws. H wever, the ti n t charge transacti n charges is at the discreti n f the distribut rs TRANSACTION CHARGES IN CASE OF INVESTMENTS THROUGH SIP: Transacti n Charges in case f invest ents thr ugh SIP are deductib e n y if the t ta c it ent f invest ent (i.e. a unt er SIP insta ent x N. f insta ents) a unts t Rs. 10,000 r re. In such cases, Transacti n Charges sha be cfeducted in 3-4 insta ents. Transacti n Charges sha n t be deducted: (a) where the Distribut r f the invest r has n t ted t receive any Transacti n Charges (b) f r urchases / subscri ti ns / t ta c it ent a unt in case f SIP f an a unt ess than Rs (c) f r transacti ns ther than urchases / subscri ti ns re ating t new inl ws i.e. thr ugh Switches/Syste atic Transfers/ Div idend Transfers/ Dividend Reinvest ent, etc.; (d) f r urchases / subscri ti ns ade direct y with the Fund (i.e. n t thr ugh any Distribut r); and (e) f r urchases / subscri ti ns r uted thr ugh St ck Exchange(s). First / S e A icant / Guardian sh u d indicate whether he is a irst ti e invest r acr ss Mutua Funds r an existing invest r in the a r riate b x r vided f r this ur se in the a icati n f r. LIC N ura AMC/ Fund wi endeav r t identify the invest r as irst ti e r existing based n the Per anent Acc unt Nu ber (PAN)/PA N Exe t KYC Reference Nu ber (PEKRN) at the First/ S e A icant/ Guardian eve. If the PAN/PEKRN detai s are avai ab e, then the First / S e A icant / Guardian wi be treated as existing invest r (i.e. Rs. 100 wi be deducted as Transacti n Charge) e se the dec arati n in the a icati n f r wi be c nsidered (i.e. Rs. 150 f r irst ti e invest rs r Rs. 100 f r ther than irst ti e invest rs wi be deducted as Transacti n Charge, as a icab e). H wever, if an Invest r has n t r vided any dec arati n, he wi be c nsidered as an existing invest r The af resaid transacti n charge sha be deducted by the Asset Manage ent C any fr the subscri ti n a unt and aid t the distribut r, as the case ay be and the ba ance a unt sha be invested subject t deducti n f service tax. Unit h der s state ent f acc unt wi relect subscri ti n a unt, transacti n charges and net invest ents. Transacti n Charges sha n t be deducted if: Purchase/Subscri ti n ade direct y with the fund thr ugh any de (i.e. n t thr ugh any distribut r/agent). Purchase/Subscri ti n ade thr ugh st ck Exchange, irres ective f invest ent a unt 5. Existing Unit holder information invest rs a ready having an acc unt in any f LIC N ura Mutua Fund Sche es sh u d r vide their F i Nu ber & Na e f the First Unit H der in secti n 1 and r ceed t secti n 6 & 7. The ers na detai s and Bank Acc unt detai s as they feature in the existing f i w u d a y t this invest ent as we and w u d revai ver any c nlicting inf r ati n furnished in this f r. Unith der s na e sh u d atch with the detai s in the existing f i nu ber, fai ing which the a icati n f r is iab e t be rejected. In such case, if any ther detai s are i ed, the sa e sha be ign red. 6. Unit holder Information 6.1. Na e and address ust be written in fu, On successfu va idati n f the invest r s PAN f r KYC, the address r vided in the KYC f r wi verride the address enti ned in this f r. In case the Invest r is an NRI/FI1/0CI/QFI/FP1, an verseas address ust be r vided. A ca address if avai ab e ay a s be enti ned in the A icati n F r A icati ns under a P wer f Att rney r by a i ited c any r a c r rate b dy r an e igib e instituti n r a registered s ciety r a trust fund ust be acc anied by the rigina P wer f Att rney ( r a certiied true c y f the sa e du y n tarised). Auth rised ficia s sh u d sign the A icati n F r under their ficia designati n. A ist f s eci en signatures f the auth rized ficia s, du y certiied / attested sh u d a s be attached t the A icati n F r. Unit h ders are advised t r vide their c ntact detai s ike te e h ne nu bers, bi e nu bers and e ai IDs t LIC N ura Mutua Fund in writing A c unicati n and ay ents sha be ade by the Mutua Fund in the na e f and fav uring the irst/s e a icant. In case f a icati ns ade in j int na es with ut indicating the de f h ding, de f h ding wi be dee ed as j int and r cessed acc rding y, 6.4.In case an invest r ts t h d the Units in de at f r, the a icant(s) detai s enti ned in secti n sh u d be the sa e as a earing in de at acc unt he d with a Depository Participant 6.5. In case f fresh/ additi na urchases, if the na e f a articu ar sche e n the a icati n f r / transacti n s i differs with the na e n the cheque/ de and draft, then LIC N ura Mutua Fund Asset Manage ent C any Ltd. (The AMC) wi r cess the a icati n and a t units at the a icab e net asset va ue, under the sche e which is enti ned n the a icati n f r / transacti n s i du y signed by the invest r(s). The AMC reserves the right t ca f r ther additi na d cu ents as ay be required, f r r cessing such transacti ns. The AMC a s reserves the right t reject such transacti ns. The AMC thereafter sha n t be res nsib e f r any ss sufferedby the invest r(s) due t the discre ancy in the sche e na e enti ned in the a icati n f r / transacti n s i and cheque/ De and Draft 7. Accounts of Minors: The in r sha n y be the irst and the s e h der in an acc unt (f i ). There sha n t be any j int acc unts with in r as the irst r j int h der. Na e f the Parent r Guardian ust be enti ned if the invest ents are being ade n beha f f a in r. Guardian in the f i sh u d either be a natura guardian (i.e. father r Mutual Fund Investments Are Subject To Market Risks, Read All Scheme Related Documents Carefully.

16 ther, as the case ay be) r a c urt a inted ega guardian. Date f birth f the in r a ng with h t c y f su rting d cu ents (i.e. Birth certiicate, Sch eaving certiicate / Mark sheet issued by Higher Sec ndary B ard f res ective states, 1CSE, CBSE etc.. Pass rt, r any ther suitab e r f evidencing the date f birth f the in r) sh u d be r vided whi e ening the f i. In case f a natura guardian, d cu ent evidencing the re ati nshi f the Guardi an with the in r, if the sa e is n t avai ab e as art f the d cu ents enti ned ab ve sh u d be sub itted. In case f c urt a inted ega guardian, su rting d cu entary evidence sh u d be r vided. Further, in case f SIP/STP/SWAP registrati n requests received n/after A ri 1, 2011, the Mutua Fund/AMC wi register SIP/STP/SWAP in the f i he d by a in r n y ti the date f the in r attaining aj rity, even th ugh the instructi ns ay be f r a eri d bey nd that date. F r f i s where the units are he d n beha f f the in r, the acc unt sha be fr ze n f r erati n by the guardian n the day the in r attains aj rity and n transacti ns sha be er itted ti the d cu ents f r changing the status f the acc unt fr in r t aj r as rescribed are received. 8. Bank Details * 8.1. Pay - Out Bank Account Details: An invest r at the ti e f urchase f units ust r vide the detai s f his / her ay- ut bank acc unt (i.e. acc unt int which rede ti n / dividend r ceeds are t be aid) in Secti n 5 in the A icati n F r. Mu ti e Bank Acc unt Registrati n: The AMC/ Mutua Fund r vides a faci ity t the invest rs t register u ti e bank acc unts (current y u t 5 f r Individua s and 10 f r N n - Individua s) f r receiving rede ti n/ dividend r ceeds etc. by r viding necessary d cu ents. Invest rs ust s ecify any ne acc unt as the Defau t Bank Acc unt. The invest r, ay h wever, s ecify any ther registered bank acc unt f r credit f rede ti n r ceeds at the ti e f requesting f r the rede ti n. Invest rs h ding units in n n-de at f r are requested t avai the faci ity f registering u ti e bank acc unts by i ing in the Mu ti e Bank Acc unts Registrati n F r avai ab e at ur Invest r Service Centres (ISCs) r n ur website www. icn ura f.c 8.2. Mu ti e Bank Acc unt Registrati n: The AMC/ Mutua Fund r vides a faci ity t the invest rs t register u ti e bank acc unts (current y u t 5 f r Individua s and 10 f r N n - Individua s) f r receiving rede ti n/ dividend r ceeds etc. by r viding necessary d cu ents. Invest rs ust s ecify any ne acc unt as the Defau t Bank Acc unt. The invest r, ay h wever, s ecify any ther registered bank acc unt f r credit f rede ti n r ceeds at the ti e f requesting f r the rede ti n. Invest rs h ding units in n n de at f r are requested t avai the faci ity f registering u ti e bank acc unts by i ing in the 'Mu ti e Bank Acc unts Registrati n F r ' avai ab e at ur Invest r Service Centres (ISCs) r n ur website www. icn ura f.c 8.3. Indian Financial System Code (IFSC): IFSC is a 11 digit nu ber given by s e f the banks n the cheques. IFSC wi he t secure transfer f rede ti n and dividend ay uts via the vari us e ectr nic des f transfers that are avai ab e with the banks. 9. Mode of Payment: Pay ent ay be ade by cheque r bank draft drawn n any bank, which is situated at and is a e ber f the Bankers C earing H use, cated at the ace where the a icati n is sub itted. N cash, ney rders, st-dated cheques [exce t thr ugh Syste atic Invest ent P an (SIP)] and sta rders wi be acce ted. Bank charges f r utstati n de and drafts wi n t be b rne by the AMC.The AMC wi n t acce t any request f r refund f de and draft charges, in such cases NRIs, FIIs, OCIs: Repatriatlon Basis In the case f NRIs, ay ent ay be ade either by inward re ittance thr ugh n r a banking channe s r ut f funds he d in his N n - Resident (Externa ) Ru ee Acc unt (NRE) / F reign Currency (N n-resident) Acc unt (FCNR). In case Indian ru ee drafts are urchased abr ad r fr F reign Currency Acc unts r N n-resident Ru ee Acc unts an acc unt debit certiicate fr the Bank issuing the draft c nir ing the debit sha a s be enc sed FIIs sha ay their subscri ti n either by inward re ittance thr ugh n r a banking channe s r ut f funds he d in F reign Currency Acc unt r N n -Resident Ru ee Acc unt aintained by the F with a designated branch f an auth rised dea er Non-repatriation Basis n the case f NRIs/OCIs, ay ent ay be ade either by inward re ittance thr ugh n r a banking channe s r ut f funds he d in his NRE / FCNR / N n-resident Ordinary Ru ee Acc unt (NRO). In case Indian ru ee drafts are urchased abr ad r fr F reign Currency Acc unts r N n-resident Ru ee Acc unts an acc unt debit certiicate fr the Bank issuing the draft c nir ing the debit sha a s be enc sed. FPI sha ay their subscri ti n either by inward re itance thr ugh n r a) banking channe s r ut f funds he d in F reign currency A/c r s ecia N n-resident Ru ee A/c aintained by the F with designated branch f an auth rised dea er In rder t revent frauds and isuse f ay ent instru ents, the invest rs are andated t ake the ay ent instru ent i.e. cheque, de and draft, ay rder, etc. fav uring either f the f wing given be w and cr ssed Acc unt Payee n y. Invest rs are urged t f w the rder f reference in aking the ay ent instru ent fav uring as: the S eciic Sche e A/c Per anent Acc unt Nu ber r the S eciic Sche e A/c First Invest r Na e. 10. Thlrd Party Payments : Invest ent/subscri ti n ade thr ugh Third Party Cheque(s) wi n t be acce ted. Third arty cheque(s) f r this ur se are deined as: (i) Invest ent ade thr ugh instru ents issued fr an acc unt ther than that f the beneiciary invest r (ii) in case the invest ent is ade fr a j int bank acc unt, the irst h der f the utua fund f i is n t ne f the j int h ders f the bank acc unt fr which ay ent is ade Third arty cheque(s) f r invest ent/subscri ti n sha be acce ted, n y in exce ti na circu stances, as detai ed be w: Pay ent by Parents/Grand-Parents/re ated ers ns n beha f f a in r in c nsiderati n f natura ve and affecti n r as gift f r a va ue n t exceeding Rs.50,000/- (each regu ar urchase r er SIP insta ent). H wever this restricti n wi n t be a icab e f r ay ent ade by a guardian wh se na e is registered in the rec rds f Mutua Fund in that f i Pay ent by E yer n beha f f e yee under Syste atic Invest ent P ans thr ugh Payr deducti ns Cust dian n beha f f a F reign Instituti na Invest r (FII) r a c ient The ab ve enti ned exce ti n cases wi be r cessed after carrying ut necessary checks and veriicati n f d cu ents attached a ng with the urchase transacti n s i /a icati n f r, as stated be w: Deter ining the identity f the Invest r and the ers n aking ay ent i.e. andat ry Kn w Y ur C ient (KYC) f r Invest r and the ers n aking the payment Obtaining necessary dec arati n fr the Invest r/unit h der and the ers n aking the ay ent. Dec arati n by the ers n aking the ay ent sh u d give detai s f the bank acc unt fr which the ay ent is ade and the re ati nshi with the beneiciary Verifying the s urce f funds t ensure that funds have c e fr the drawer s acc unt n y In case f invest ent/subscri ti ns ade via Pay Order, De and Draft, Banker s cheque, RTGS, NEFT, ECS, bank transfer, net banking etc. F wing additi na checks shall be carried out f the invest ent/subscri ti n is sett ed with re-funded instru ents such as Pay Order, De and Draft, Banker s cheque, etc.,a Certiicate fr the Issuing banker ust acc any the urchase a icati n, stating the Acc unt h der s na e and the Acc unt nu ber which has been debited f r issue f the instru ent. The funds sh u d be debited fr a re-registered ay in acc unt avai ab e in the rec rds f the Mutua fund, r fr the acc unt f the irst na ed unit h der. Additi na y, if a re-funded instru ent issued by the 6ank against cash, it sha n t be acce ted f r invest ents f Rs.50,000/- r re. Such refunded instru ent issued against cash ay ent f ess than Rs.50,000/- sh u d be acc anied by a certiicate fr the banker giving na e, address and PAN (if avai ab e) f the ers n wh has requested f r the de and draft If ay ent is ade by RTGS, NEFT, ECS, bank transfer, etc., a c y f the instructi n t the bank stating the acc unt nu ber debited ust acc any the urchase a icati n. The acc unt nu ber enti ned n the transfer instructi n sh u d be fr ay in acc unt avai ab e in the rec rds, r fr the acc unt f the irst na ed unit h der. Invest rs are requested t n te that AMC reserves right t have additi na checks f veriicati n f r any de f ay ent received. AMC reserves the right t reject the transacti n in case the ay ent is received in an acc unt n t be nging t the irst unith der f the utua fund. In case f invest rs with u ti e acc unts, in rder t ensure s th r cessing f invest r transacti ns, it is advisab e t register a such acc unts, as the invest ents/subscri ti ns received fr the said u ti e acc unts sha jefreated as 1st arty ay ents. Refer Third Party Pay ent Dec arati n f r avai ab e in www. icn ura f.c r LIC N ura Mutua Fund branch fices The Mutua Fund sha ad t the f wing r cedures t ascertain whether ay ents are Third Party Pay ents and invest rs are theref re required t c y with the require ents s eciied herein be w Source of funds-if paid by cheque Identiicati n f third arty cheques by the AMC/Mutua Fund/ Registrar & Transfer Agent (R&TA) wi be n the basis f atching the na e / signature n the invest ent cheque with the na e/ signature f the irst na ed a icant avai ab e n the a icati n r in ur rec rds f r the said f i. If the na e f the bank acc unt h der is n t re- rinted n the invest ent cheque r the signature n the said cheque d es n t atch with that f the irst na ed a icant enti ned n the a icati n / avai ab e in ur rec rds f r the said f i, then the invest r sh u d sub it any ne f the f wing d cu ents at the ti e f invest ent: a c y# f the bank assb k r a state ent f bank acc unt having the na e and address f the acc unt h der and acc unt nu ber; a etter* (in rigina ) fr the bank n its etterhead certifying that the invest r aintains an acc unt with the bank, a ng with inf r ati n ike bank acc unt nu ber, bank branch, acc unt ty e, the MICR c de f the branch & IFSC C de (where avai ab e). Mutual Fund Investments Are Subject To Market Risks, Read All Scheme Related Documents Carefully.

17 # Invest rs sh u d a s bring the rigina d cu ents a ng with the d cu ents enti ned in (a) ab ve t the ISCs/Oficia P ints f Acce tance f LIC NOMURA Mutua Fund. The c y f such d cu ents wi be veriied with the rigina d cu ents t the satisfacti n f the AMC/ Mutua Fund/R&TA. The rigina d cu ents wi be returned acr ss the c unter t the invest r after due veriicati n. * In res ect f (b) ab ve, it sh u d be certiied by the bank anager with his / her fu signature, na e, e yee c de, ban k sea and c ntact nu ber. Invest rs sh u d n te that where the bank acc unt nu bers have changed n acc unt f the i e entati n f c re banking syste at their banks, any re ated c unicati n fr the bank t wards a change in bank acc unt nu ber sh u d acc any the a icati n f r f r subscri ti n f units. H wever, f r u dati n f the changed bank detai s in the f i, the invest r sh u d f w the change f bank detai s r cess. The Mutua Fund has a s r vided a faci ity t the invest rs t register u ti e bank acc unts. Invest rs are requested t avai the faci ity f registering u ti e bank acc unts by itting in the 'Mu ti e Bank Acc unts Registrati n F r ' avai ab e at ur Invest r Service Centres (ISCs) r n ur website www. icn ura f.c Source of funds - if funded by pre-funded instruments such as Pay Order, Demand Draft, Banker's cheque etc Invest rs sh u d attach any ne f the f wing su rting d cu ents with the urchase a icati n where subscri ti n f r units is vide a re - funded instru ent issued by way f debit t his / her bank acc unt: (i) a Certiicate (in rigina ] fr the issuing banker du y certiied by the e yee signing the re-funded instru ent with his / her fu signature, na e, e yee c de, bank sea and c ntact nu ber, stating the Acc unt h der's na e, the Bank Acc unt Nu ber which has been debited f r issue f the instru ent (Mandat ry] and PAN as er bank rec rds, if avai ab e (ii) a c y f the ackn w edge ent fr the bank, wherein the instructi ns t debit carry the bank acc unt detai s and na e f the invest r as an acc unt h der are avai ab e (iii) a c y f the assb k/ bank state ent evidencing the debit f r issuance f the instru ent The acc unt nu ber enti ned in the ab ve su rting d cu ents sh u d be the sa e as / ne f the registered bank acc unt r the bank detai s enti ned in the a icati n f r Source of funds - if paid by RTGS, Bank Account-to-Account Transfer, NEFT, ECS, etc. Invest rs sh u d attach t the urchase a icati n f r, an ackn w edged c y f the instructi n t the bank a s stating the acc unt nu ber debited. The acc unt nu ber enti ned n the transfer instructi n c y sh u d be a registered bank acc unt r the irst na ed a icant/ invest r sh u d be ne f the acc unt h ders t the bank acc unt debited for such electronic transfer of funds Source of funds - if paid by a pre-funded instrument issued by the Bank against Cash The AMC/Mutua Fund /R&TA wi n t acce t any urchase a icati ns fr invest rs if acc anied by a re-funded instru ent issued by a bank (such as Pay Order, De and Draft, Banker's cheque] against cash f r invest ents f Rs. 50,000 r re. The invest r sh u d sub it a Certiicate (in rigina ] btained fr the bank giving na e, bank acc unt nu ber (Mandat ry] and PAN as er the bank rec rds, if avai ab e f the ers n wh has requested f r the ay ent inst ru ent The said Certiicate sh u d be du y certiied by the e yee signing the re-funded instru ent with his / her fu signature, na e, e yee c de, bank sea and c ntact nu ber. The AMC / Mutua Fund /R&TA wi check that the na e enti ned in the Certiicate atches with the irst na ed invest r. The acc unt nu ber enti n ed in the Certiicate sh u d be the sa e as / ne f the registered bank acc unt r the bank detai s enti ned in the a icati n f r. LIC NOMURA Mutua Fund/LIC NOMURA AMC reserves the right t seek inf r ati n and / r btain such ther additi na d cu ents/inf r ati n fr the invest rs f r identifying whether it is a third arty ay ent. In case the Third Party Dec arati n F r is n t attached and the s urce f ay ent is n t identiied, LIC NOMURA Mutua Fund / LIC NOMURA AMC retains the s e and abs ute discreti n t reject / n t r cess such A icati n and refund the subscri ti n ney t the bank acc unt fr which the subscri ti n a unt was received and sha n t be iab e f r any such rejecti n. 11. Communication to investor If the invest r(s) has/have r vided his/their e ai address in the a icati n f r r any subsequent c unicati n in any f the f i be nging t the invest rs], LIC N ura Asset Manage ent C any reserves the right t use E ectr nic Mai (e ai ] as a defau t de t send vari us c unicati n which inc ude acc unt state ents f r transactions done by the investor(s). The invest r(s) ay request f r a hysica acc unt state ent by writing r ca ing LICNMFs Invest r Service Center/ Registrar & Transfer Agent In case f s eciic request received fr the invest rs], LICNMF sha endeav r t r vide the acc unt state ent t the invest rs] within 5 w rking days fr the recei t f such request. It is dee ed that the Unit h der is aware f a the security risks ass ciated with n ine c unicati n, inc uding the ssibi ity f third arty interce ti n f the d cu ents sent via e ai. The Mutua Fund / Registrars are n t res nsib e f r e ai n t reaching the invest r and f r ai c nsequences there f. The Invest r sha fr ti e t ti e inti ate the Mutua Fund / its transfer agents ab ut any changes in the e ai address. In case f a arge d cu ent, a suitab e ink w u d be r vi ded and invest r can d wn ad, save and rint these d cu ents. H wever, the invest r a ways has a right t de and a hysica c y f any r a the service de iverab es, and the Fund w u d arrange t send the same to the investor. If the units are he d in De at de then the state ent f h ding f the beneiciary acc unt h der f r units he d in De at wi be sent by the res ective DPs eri dica y. 12. Mode of Payment of Redemption / Dividend Proceeds-via Direct Credit / NEFT / ECS/Direct Credit 12.1 Direct Credit: The AMC has entered int arrange ents with s e banks t faci itate direct credit f rede ti n and dividend r ceeds (if any) int the bank acc unt f the res ective Unit h ders aintained with any f these banks. The ist f banks is subject t change fr ti e t ti e. F r the ist ease visit www. icn ura f.c National Electronic Funds Transfer (NEFT] The AMC r vides the faci ity f 'Nati na E ectr nic Funds Transfer (NEFT) ffered by Reserve Bank f India(RB ), which ai s t r vide credit f rede ti n and dividend ay uts (if any) direct y int the bank acc unt f the Unit h der aintained with the banks( artici ating in the NEFT Syste ). Unit h ders can check the ist f banks artici ating in the NEFT Syste fr the RBI website i.e. rg.in r c ntact any f ur Invest r Service Centres. 12.2,2. H wever, in the event f the na e f Unit h der's bank n t a earing in the List f Banks artici ating in NEFT u dated n RBI website rg.in, fr ti e t ti e, the instructi ns f the Unit h der f r re ittance f rede ti n/ dividend (if any) r ceeds via NEFT Syste wi be disc ntinued by LIC NOMURA Mutua Fund / LIC NOMURA Asset Manage ent C any Li ited with ut ri r n tice t the Unit h der and the ay uts f rede ti n / dividend (if any) r ceeds sha be effected by sending the Unit h der(s) a cheque / de and draft F r re detai s n NEFT r f r frequent y asked questi ns^faqs] n NEFT, Unit h ders are advised t visit the RBI website rg.in. 13. Electronic Clearing Service (ECS} nvest rs wh have ted f r the ECS faci ity f RBI f r dividend ay ent wi receive a direct credit f the a unt due t the in their andated acc unt whenever the ay ent is ade thr ugh ECS. A se arate advice regarding credit f a unt(s) via ECS wi be sent t the unit h der. It sh u d be n ted that whi e the Mutua Fund wi ake a efforts, there is no commitment that this facility will be made available to all desirous investors A icants in cities n t c vered under ECS faci ity wi receive dividend ay ents, if any by cheques r de and drafts and the sa e wi be ai ed t the Unit h ders. P ease n te that the ECS Faci ity is avai ab e n y in res ect f dividend ay ents and n t in the case f rede ti n f Units Theref re, the Invest rs wi receive their rede ti n / dividend r ceeds (if any) direct y int their bank acc unts in the f wing rder: n case the bank acc unt f an invest r is c vered under Direct Credit faci ity then the ay ent f rede ti n / dividend r ceeds (if any) wi ha en via direct credit ay ut de n y. Invest rs having these bank acc unts wi n t receive ay uts via NEFT/ECS In case the bank acc unt f an invest r is n t c vered under Direct Credit faci ity but c vered under NEFT syste ffered by the RBI then the ay ent f rede ti n / dividend r ceeds (if any) sha be effected via NEFT echanis n y The faci ity f r ay ent f dividend r ceeds, if any via ECS sha be affected n y in case the bank acc unt f an invest r is n t c vered under the Direct Credit faci ity r NEFT syste. LIC NOMURA Asset Manage ent C any Li ited / LIC NOMURA Mutua Fund sha n t be he d iab e f r any sses/ c ai s, etc. arising n acc unt f r cessing the direct credit r credit via NEFT/ECS f rede ti n / dividend r ceeds n the basis f Bank Acc unt detai s as r vided by the unit h der in the A icati n F r. Unit h ders are required t attach the cance ed cheque f the ay ut bank f r veriicati n. (If the sa e is different fr the invest ent cheque)' 14. Dematerialization Invest rs have an ti n t h d the Units in de ateria ized f r. Current y, this faci ity is n t avai ab e in case f units ffered under the D a i y / W e e k y / F r t night y Dividend O ti n(s) and a s f r LICNMF Unit Linked Insurance Sche e. Invest rs desiring t get a t ent f units in de at de ust have a beneiciary acc unt with a De sit ry Partici ant (DP) f the De sit ries i.e. Nati na Securities De sit ries Li ited (NSDL) / Centra De sit ry Services Li ited (CDSL), If PAN is n t enti ned by a icants, the a icati n is iab e t be rejected. Invest rs ay attach a c y f the C ient Ma ster F r / DP state ent sh wing active de at acc unt detai s f r veriicati n.na es, de f h ding, PAN detai s, etc. f the Invest r wi be veriied against the De sit ry data. The units wi be credited t the beneiciary (de at) acc unt n y after successfu veriicati n with the de sit ry rec rds and rea izati n f ay ent In case the de at detai s enti ned in the a icati n are inc ete/inc rrect r d n t atch with the de sit ry data, the a icati n sha be treated as inva id f r r cessing und er de at de and theref re ay be c nsidered f r r cessing in n n-de at f r i.e. in hysica de if the a icati n is therwise va id A detai s such as address, bank detai s, n inati n etc. wi be a icab e as avai ab e in the de sit ries' rec rds. F r effecting any subsequent changes t such inf r ati n, Invest rs sh u d a r ach their DP. Rede ti n requests f r units he d in de at de ust be sub itted t DP r thr ugh St ck Exchange P atf r, as a icab e. H ding / transacting f units he d in de at de sha be in acc rdance with the r cedures/ require ents aid d wn by the De sit ries, viz. NSDL/ CDSL in acc rdance with the r visi ns under the De sit ries Act, 1996 and the regu ati ns thereunder. 15. Signatures Signature(s) sh u d be in Eng ish r in any indian Language, A icati ns n beha f f in rs sh u d be signed by their Guardian, in case f a HUF, the Karta sh u d sign the A icati n F r n beha f f the HUF. Mutual Fund Investments Are Subject To Market Risks, Read All Scheme Related Documents Carefully.

18 f y u are investing thr ugh y ur C nstituted Att rney, ease ensure that the P wer f Att rney is signed by y u and y ur C nstituted Att rney. The signature in the A icati n F r then needs t c ear y indicate that the signature is n beha f f the a icant by the C nstituted Att rney then the f r sh u d be acc anied by a n tarised h t c y f the P A. A ternative y, the rigina P A ay be sub itted, which wi be returned after veriicati n. If the P A is n t sub itted with the a icati n, the A icati n F r wi be rejected Thu b i ressi ns ust be attested by a Magistrate r a N tary Pub ic r a S ecia Executive Magistrate under his/her ficia sea. 16. Nomination: N inati n ensures a rights and/ r a unt(s) ayab e in res ect f the h dings in Sche es f LIC NOMURA Mutua Fund w u d vest in and be transferred t the n inee u n death f the Unit h der. The n inee receives the units n y as agent and trustee f r the ega heirs r egatees as the case ay be. Invest rs sh u d t f r the nomination facility to avoid hassles a»d inconveniences in case of unforeseen events in future N inati n by a unit h der sha be a icab e f r invest ents in a sche es in the f i r acc unt Every new n inati n f r a f i /acc unt wi verwrite the existing n inati n. N inati n wi be subject t the r visi ns f the Sche e Inf r ati n D cu ent N inati n sha be andat ry f r new f i s/acc unts ened by an individua es ecia y with s e h ding and n new f i s/acc unts f r Individua s (with s e h ding) w u d be ened with ut n inati n. H wever, invest rs wh d n t wish t n inate ust sign se arate y c nir ing their n n -intenti n t n inate. In case n inati n/n n-intenti n t n inate is n t r vided by Individua (with s e h ding), the a icati n is iab e t be rejected The n inati n can be ade n y by individua s a ying f r/ h ding units n their wn beha f sing y r j int y. Karta f Hindu undivided fa i y, h der f P wer of Attorney cannot nominate N inati n sha n t be a wed in a f i he d n beha f f a in r. In case a f i has j int h ders, a j int h ders sh u d sign the request f r n inati n/cance ati n f n inati n, even if the de f h ding is n t j int Min r(s) can be n inated and in that event, the na e, address and signature f the guardian f the in r n inee(s) sha be r vided by the unith der. N inati n can a s be in fav ur f the Centra G vern ent, State G vern ent, a ca auth rity, any ers n designated by virtue f his fice r a re igi us r charitab e trust The N inee sha n t be a trust ( ther than a re igi us r charitab e trust), s ciety, b dy c r rate, artnershi ir, karta f Hindu undivided fa i y r a P wer f Att rney h der. A n nresident Indian can be a N inee subject t the exchange c ntr s in f rce, fr ti e t ti e N inati n in res ect f the units stands rescinded u n the transfer f units. TransFer f units in fav ur f N inee(s) sha be va id discharge by the AMC against the ega heirs Cance ati n f n inati n can be ade n y by th se individua s wh h d units n their wn beha f sing y r j int y and wh ade the rigina n inati n On cance ati n f the n inati n, the n inati n sha stand rescinded and the AMC sha n t be under any b igati n t transfer the units in fav ur f the N inee(s) N inati n can be ade f r axi u nu ber f three n inees. In case f u ti e n inees, the ercentage f a cati n/share in fav ur f each f the n inees sh u d be indicated against their na e and such a cati n/share sh u d be in wh e nu bers with ut any deci a s aking a t ta f 100 ercent In the event f the Unith ders n t indicating the ercentage f a cati n/share f r each f the n inees, LIC NOMURA Mutua Fund/ LIC NOMURA Asset Manage ent C any Li ited (AMC), by inv king defau t ti n sha sett e the c ai equa y a ngst a the n inees In case f invest rs ting t h d the Units in de at f r, the n inati n detai s r vided by the invest r t the de sit ry artici ant wi be a icab e. 17. Permanent Account N umber: SEBI has ade it andat ry f r a a icants (in the case f a icati n in j int na es, each f the a icants) t enti n his/her er anent acc unt nu ber (PAN) irres ective f the a unt [Exce t as given be w]. Where the a icant is a in r, and d es n t ssess his / her wn PAN, he / she sha qu te the P AN f his/ her father r ther r the guardian, as the case ay be. H wever, PAN is n t andat ry in the case f Centra G vern en t. State G vern ent entities and the ficia s a inted by the c urts e.g. Oficia iquidat r, C urt receiver etc (under the categ ry f G vern ent) f r transacting in the securities ark et PAN card c y is n t required se arate y if KYC ackn w edge ent etter is ade avai ab e. LIC NOMURA Mutua Fund reserves the right t ascertain the status f such entities with adequate su rting d cu ents. A icati ns n t c ying with the ab ve require ent ay n t be acce ted/ r cessed PAN Exempt Investments; SEBI vide its circu ar dated Ju y 24,2012 has c ariied that invest ents in utua funds sche es (inc uding invest ents in SIPs) f u t Rs.50,000 er invest r er year acr ss a sche es f the Fund sha be exe t fr the require ent f PAN. Acc rding y, individua s (inc uding J int H ders wh are individua s, NR s but n t P Os, Min rs} and S e r rietary ir s wh d n t ssess a PAN ( E igib e Invest rs )* are exe t fr sub issi n f PAN f r invest ents u t Rs.50,000 in a r ing 12 nth eri d r in a inancia year i.e. A ri t March. H wever, e igib e Invest rs are required t underg Kn w Y ur Cust er (KYC) r cedure with any f the SEBI registered KYC Registrati n Auth rities (KRA). E igib e Invest rs ust qu te PAN Exe t KYC Reference Nu ber (PEKRN) issued by the KRA under the KYC ackn w edge ent etter in the a icati n f r and sub it a c y there f a ng with the a icati n f r. In case the a icant is a in r^pan /PEKRN detai s f the C uardian sha be sub itted, as a icab e. E igib e Invest rs (i.e. the First H der) ust n t ssess a PAN at the ti e f sub issi n f a icati n f r. E igib e invest rs u st h d n y ne PEKRN issued by any ne f the KRAs. If an a icati n f r invest ent t gether within invest ents ade in a r ing 12 nth eri d r in a inancia year exceeds Rs.50,000, such an a icati n wi be rejected. Fresh / Additi na Purchase and Syste atic Invest ent P ans wi be c vered in the i it f Rs.50,000. Invest rs ay switch their invest ents t ther Sche es. H wever, if the a unt er switch transacti n is Rs.50,000 r re, in acc rdance with the extant Inc e Tax ru es, invest rs wi be required t furnish a c y f PAN t the Mutua Fund. The detai ed r cedures / require ents f r acce ting a icati ns sha be as s eciied by the AMC/Trustee fr ti e t ti e and their decisi n in this beha f wi be ina and binding. * HUFs and ther categ ries are n t e igib e f r such invest ents. 18. Prevention of Money Laundering SEBI vide its circu ar reference nu ber 1SD/CIR/RR/AML/1/06 dated January 18, 2006 and ther circu ars issued fr ti e t ti e, andated that a inter ediaries inc uding Mutua Funds sh u d f r u ate and i e ent a r er icy fra ew rk as er the guide ines n anti ney aundering easures and a s t ad t a Kn w Y ur Cust er (KYC) icy. The Invest r(s) sh u d ensure that the a unt invested in the Sche e is thr ugh egiti ate s urces n y and d es n t inv ve and is n t designated f r the ur se f any c ntraventi n r evasi n f the r visi ns f the Inc e Tax Act, Preventi n f M ney Laundering Act (PMLA), Preventi n f C rru ti n Ac t and / r any ther a icab e aw in f rce and a s any aws enacted by the G vern ent f India fr ti e t ti e r any ru es, regu ati ns, n tiicati ns r directi ns issued thereunder. T ensure a r riate identiicati n f the Invest r(s) and with a view t nit r transacti ns f r the reventi n f ney aundering, LIC NOMURA Asset Manage ent C any Li ited (LIC NOMURA AMC) / LIC NOMURA Mutua Fund reserves the right t seek inf r ati n, rec rd invest r s te e h nic ca s and r btain and retain d cu entati n f r estab ishing the identity f the Invest r(s), their beneicia wnershi, r f f residence, s urce f fun ds, etc. It ay re-verify identity and btain any inc ete r additi na inf r ati n f r this ur se, LIC NOMURA Mutua Fund, LIC NOMURA AMC, LIC NOMURA Trustee C any Li ited ( LIC NOMURA Trustee ) and their Direct rs, e yees and agents sha n t be iab e in any anner f r any c ai s arising whats ever n acc unt f freezing the f i s/rejecti n f any a icati n / a t ent f Units r andat ry rede ti n f Units due t n n c iance with the r visi ns f the PMLA, SEB1/AMF1 circu ar (s) and KYC icy and / r where the AMC be ieves that transacti n is sus ici us in nature within the urview f the.j>m&a and SEBI/AMFI circu ars) and re rting the sa e t F1U-IND. 19. Know Your Customer (KYC) Compliance: Units held in account statement (non-demat) form Invest rs sh u d n te that it is andat ry f r a urchases/ switches/ registrati ns f r Syste atic Invest ent P an (SIP)/ Syste atic Transfer P an (STP)/F ex STP/ F exindex P an/ Dividend Transfer P an (DTP) t qu te the KYC C iance Status f each a icant (guardian in case f in r) in the a icati n and attach r f f KYC C iance viz. KYC Ackn w edge ent Letter. A icants intending t a y f r units thr ugh a P wer f Att rney (P A) ust ensure that the issuer f the P A and the h der f the P A ust enti n their KYC C iance Status and attach r f f KYC C iance at the ti e f invest ent With effect fr January 1,2012, SEBI has intr duced a c n KYC A icati n F r f r a the SEBI registered inter ediarie s. New invest rs are theref re requested t use the c n KYC A icati n F r and carry ut the KYC r cess inc uding In-Pers n Veriicati n (IPV) with any SEBI registered inter ediaries inc uding utua funds. The KYC A icati n F r s are a s avai ab e n ur website www. icn ura f.c. Existing KYC c iant invest rs f LIC NOMURA Mutua Fund can c ntinue the ractice f r viding KYC Ackn w edge ent Letter/ Print ut f KYC C iance Status d wn aded fr CDSL Ventures Ltd. (CVL) website ( india.c ) using the PAN at the ti e f invest ent Once the invest r has d ne KYC with any SEBI registered inter ediary, the invest r need n t underg the s a e r cess again with LIC NOMURA Mutua Fund. H wever, the Mutua Fund reserves the right t carry ut fresh KYC f the invest r Units held in electronic (demat) form F r units he d in de at f r, the KYC erf r ed by the De sit ry Partici ant f the a icants wi be c nsidered as KYC veriicati n d ne by the Trustee / AMC. In the event f n n c iance f KYC require ents, the Trustee/AMC reserves the right t freeze the f i f the invest rs) and effect andat ry rede ti n f unit h dings f the invest rs at the a icab e NAV, subject t ay ent f exit ad, if any. n ur website www. icn ura f.c. Mutual Fund Investments Are Subject To Market Risks, Read All Scheme Related Documents Carefully.

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29 LIC NOMURA MF AMC AREA OFFICES - OFFICIAL POINT OF ACCEPTANCE AHMEDABAD Jeevan Sadan, Opp Capital Commercial Centre, Asram Road, Ahmedabad ( / / ) BANGALORE - 4, Canara building, Opp. Cash Pahrmacy, 2nd floor, Residency Road, BANGALORE ( / / ) CHANDIGARH -SCO 20-30, Jeevan Prakash Building, Ground Floor, Sector 17-B CHANDIGARH. PIN CODE: ( / ) CHENNAI - 15, Anna Salai, Next to V G P Building, Chennai ( / / ) DEHRADUN Tagore Villa,Chakrata Road, Dehradun ( / ) DELHI -Jeevan Prakash, 25, K G Marg, New Delhi ( / / / ) ERNAKULAM-11th floor, Jeevan Prakash, LIC Divisional Office, M G Road,Ernakulam -( / )- HUBLI - C/OLIC Branch Office No 1, Lamington Road, Beside HPO, Hubli ( / ) HYDERABAD -House No ,4th floor Jeevan Jyothi Bldg, Baseerbagh, Hyderabad ( / / ) INDORE - U V Business Centre, 1st floor, 9/1-A, Tukoganj, Indore ( / ) JAIPUR- 327-A,3rd floor,anapati Plaza, M I Road, Jaipur-1 ( / ) KANPUR- Jeevan Vikas, 16/98, M G Road Kanpur ( / / ) KOLKATA- Hindustan Bldg, Gr floor, 4, Chittaranjan Avenue,Kolkata ( / ) LUCKNOW-Jeevan Bhavan-2, 7th floor, Naval Kishore Road,Hazratganj, Lucknow ( / / ) MADURAI-LIC Building, 2nd floor, No-3,West Market Street, Madurai ( / ) MUMBAI-Gr Floor,Industrial Assurance Building,Opp Churchgate Station, Churchgate, Mumbai ( / / ) NAGPUR- Jeevan Seva Bldg,Mount Road,Sadar, Nagpur ( / ) NASIK-Shop No-02Ground floor, Rajeev Enclave,New Pandit Colony, Nashik ( / ) PATNA- Gr Floor,Jeevan Jyothi, Exhibition Road, Patna ( / / ) PUNE-C/o LIC of India, 2nd floor,it deptt, Jeevan Prakash, 6/7 Shivaji Nagar, University Road, Pune ( / ) RAIPUR-C-29/A, Sector 1,Beside City Center Mall, Devendra Nagar, Raipur ( / / / ) RAJKOT-Jeevan Prakash,LIC Office Building, Tagore Marg, Rajkot ( / ) RANCHI-2nd floor, Narsaria Tower, Opp. Lalpur P. S., Ranchi ( / ). KARVY - OFFICIAL POINT OF ACCEPTANCE Agartala: Bidurkarta Chowmuhani, J N Bari Road, Tripura (West), Agartala, Tripura ( ,-, ) Agra: 1St Floor, Deepak Wasan Plaza, Behind Holiday Inn, Opp Megdoot Furnitures, Sanjay Place, Agra,Uttar Pradesh ( , , ) Ahmedabad: 201/202 Shail Complex, Opp: Madhusudan House, B/H Girish Cold Drink, Off C G Road, Navrangpura,Ahmedabad,Gujarat ( , , , ) Ajmer: S.No.1 & 2, 2nd Floor, Ajmer Tower, Kutchery Road, Ajmer, Rajasthan ( , , , )Akola: Yamuna Tarang Complex, Shop No 30,, Ground Floor, N.H. No- 06, Murtizapur Road, Opp Radhakrishna Talkies, Akola, Maharashthra ( , , ) Aligarh: 1St Floor, Kumar Plaza, Aligarh, Uttar Pradesh ( ,-, ) Allahabad: Rsa Towers, 2Nd Floor, Above Sony TV Showroom,, 57, S P Marg, Civil Lines, Allahabad, Uttar Pradesh ( ,-, ) Alleppy: X1V 172, Jp Towers, Mullackal, Ksrtc Bus Stand, Alleppy, Kerala ( , ) Alwar: 101,Saurabh Tower, Opp. Uit, Near Bhagat Singh Circle, Road No.2, Alwar, Rajasthan ( , , , ) Amaravathi: Shop No. 21, 2nd Floor, Gulshan Tower,, Near Panchsheel Talkies, Jaistambh Square, Amaravathi, Maharashthra ( , , , ) Ambala: 6349,, Nicholson Road, Adjacent Kos Hospitalambala Cant, Ambala, Haryana ( ,-, ) Amritsar: 72-A, Taylor S Road, Opp Aga Heritage Club, Amritsar, Punjab ( , , ) Anand: B-42 Vaibhav Commercial Center, Nr Tvs Down Town Shrow Room, Grid Char Rasta, Anand, Gujarat ( , ) Ananthapur: #15/149, 1St Floor, S R Towers, Subash Road, Opp. To Lalitha Kala Parishad, Anantapur, Andhra Pradesh ( , , ) Ankleshwar: L/2 Keval Shopping Center, Old National Highway, Ankleshwar, Ankleshwar, Gujarat ( ,, ) Asansol: 114/71 G T Road, Near Sony Centre, Bhanga Pachil,-, Asansol, West Bengal ( , , ) Aurangabad: Ramkunj Niwas, Railway Station Road, Near Osmanpura Circle, Aurangabad, Maharashthra ( , , , ) Azamgarh: 1St Floor, Alkal Building, Opp. Nagaripalika Civil Line, Azamgarh, Uttar Pradesh ( ,-, ) Malleshwaram, Bangalore: No.337, Gf-3, Karuna Complex, Sampige Road, Opp: New Vegetable Market, Malleshwaram, Bangalore ; Koramangala, Bangalore: No. 408, CITA Bldg, I Floor, Next To Vodafone Office, Koramangala, Bangalore ; Bangalore: 59,,Skanda puttanna Road, Basavanagudi, Bangalore, Karnataka ( , , , /9625) Balasore: M.S Das Street, Gopalgaon,, Balasore,Orissa,Balasore,Orissa, , , , , Bankura: Ambika Market Complex (Ground Floor), Nutanganj, Post & Dist Bankura,,-,Bankura, West Bengal ( , , ) Bareilly: 1St Floor, 165,Civil Linesopp.Hotel Bareilly Palace, Near Railway Station,Bareilly,Uttar Pradesh ( ,-, ) Barhampore (Wb): Thakur Market Complex, Gorabazar,Post Berhampore Dist Murshidabad,72 No Nayasarak Road,Barhampore (Wb),West Bengal ( ,, ) Baroda: Sb-5, Mangaldeep Complex, Opp. Masonic Hall,, Productivity Road, Alkapuri, Baroda, Gujarat ( , , , ) Begusarai: Near Hotel Diamond Surbhi Complex,O.C Township Gate,Kapasiya Chowk,Begusarai,Bihar,851117, ,-, Belgaum: Cts No 3939/ A2 A1,Above Raymonds Show Room Beside Harsha Appliances,Club Road, Belgaum,Karnataka ( , , ) Bellary: No. 1, Khb Colony, Gandhi Nagar,,-,Bellary,Karnataka ( , , ) Berhampur (Or): Opp Divya Nandan Kalyan Mandap, 3rd Lane Dharam Nagar,,Near Lohiya Motor, Berhampur (Or),Orissa ( , , ) Betul: 107,1St Floor, Hotel Utkarsh, J. H. College Road,-,Betul,Madhya Pradesh ( , , ) Bhagalpur: 2nd Floor, Chandralok Complex, Ghantaghar,Radha Rani Sinha Road,Bhagalpur,Bihar ( , , ) Bharuch: Shop No ,Aditya Complex,Near Kasak Circle,Bharuch,Gujarat ( , , ) Bhatinda: #2047-A 2Nd Floor,The Mall Road,Above Max New York Life Insurance, New Delhi,Punjab ( , , ) Bhavnagar: Krushna Darshan Complex, Parimal Chowk, Office No , 3Rd Floor,Above Jed Blue Show Room,Bhavnagar,Gujarat ( ,, ) Bhilai: Shop No -1, First Floor, Plot No -1, Commercial Complex,Nehru Nagar- East,Bhilai, Chatisgarh ( , , , ) Bhilwara: Shop No , 1St Floor, Heera Panna Market, Pur Road, Bhilwara, Rajasthan ( , , , ) Bhopal: Kay Kay Business Centre, 133, Zone I, Mp Nagar, Above City Bank, Bhopal,Madhya Pradesh ( , , , ) Bhubaneswar: A/181, Back Side Of Shivam Honda Show Room, Saheed Nagar,-,Bhubaneswar, Orissa ( , , ) Bikaner: 70-71, 2nd Floor Dr.Chahar Building,Panchsati Circle,Sadul Ganj, Bikaner, Rajasthan ( , , ) Bilaspur: Shop No-201 & 202, 1St Floor,, V R Plaza, Link Road, Bilaspur, C.G.,-,Bilaspur, Chatisgarh ( , , , (Bhishm) Bokaro : B-1, 1St Floor, City Centre,, Sector- 4,,Near Sona Chandi Jwellars,Bokaro, Jharkhand ( , , , /31) Burdwan: 63 Gt Road,Halder Complex 1St Floor,-,Burdwan,West Bengal, ( , , ) Calicut: Iind Floor Soubhagya Shopping Complex,Arayidathpalam,Mavoor Road, Ca licut,kerala ( , , ) Chandigarh: Sco ,01st Floor,Sector 22-C,Chandigarh,Union Territory ( , , ) Chandrapur: Rauts Raghuvanshi Complex, Shop No-1, Office No-2, 1St Floor,Beside Azad Garden Main Road, Chandrapur, Maharashthra ( , , , ) Chennai: F-11, Akshaya Plaza, 1St Floor, 108, Adhithanar Salai, Egmore, Opp To Chief Metropolitan Court, Chennai, Tamil Nadu-, ( , , , ) T Nagar, Chennai: G1, Ground Floor, No 22, Vijayaraghava Road, Swathi Court, T Nagar, Chennai ; Adayar, Chennai: New No 51, Gandhi Nagar, First Main Road, Adyar, Chennai ; Annanagar, Chennai: T 92, Ground Floor, 3rd Avenue Main Road, Annanagar, Chennai ; Chinsura : J C Ghosh Saranu, Bhanga Gara, Chinsurah, Hooghly,-, Chinsurah,West Bengal ( , , ) Cochin: Ali Arcade, 1St Floor,Kizhavana Road, Panampilly Nagar,Near Atlantis Junction,Ernakualm, Kerala ( , , , ) Coimbatore: 3rd Floor, Jaya Enclave,1057 Avinashi Road,-,Coimbatore,Tamil Nadu ( , , , / / / ) Cuttack: Po - Buxi Bazar, Cuttack,,Opp Dargha Bazar Police station,dargha Bazar,Cuttack,Or issa,753001, , , ) Darbhanga: Jaya Complex,2nd Floor, Above Furniture Planet,Donar,Chowk,Darbhanga,Bihar,846003, ,-, Davangere: #15/9, 1st Floor, Sobagu Complex,2nd Main Road (Avk College Road) P J Extension,-,Davangere,Karnataka ( , , ) Dehradun: Kaulagarh Road, Near Sirmaur Margabove,Reliance Webworld,Dehradun,Uttaranchal ( ,-, ) Deoria: 1St Floor,1St Floor, Opp. Zila Panchayat, Civil Lines,Deoria,Uttar pradesh ( ,-, ) Dewas: 27 Rmo House,Station Road, Above Maa Chamunda Gaes Agency, Dewas, Madhya Pradesh ( , , , ) Dhanbad: 208 New Market 2Nd Floor, Bank More,-,Dhanbad,Jharkhand , , , ) Dharwad: Mutual Fund Investment Are Subject To Market Risks, Read All Scheme Related Document Carefully.

30 KARVY - OFFICIAL POINT OF ACCEPTANCE G, 7&8 Banashankari Avenue, Opp Nttf,, P B Road,,Dharwad,Karnat ka ( ,-, , ) Dhule: Ground Floor Ideal Laundry, Lane No 4,, Khol Galli, Near Muthoot Finance,, Opp Bhavasar General Store,Dhule,Maharashthra ( , , , ) Dindigul: No : 9 Old No:4/B, New Agraharam,, Palani Road,,-,Dindigul,Tamil Nadu,624001, ,-, ) Durgapur:,MWAV-16 BENGAL AMBUJA,2ND FLOOR CITY CENTRE,16 DT BURDWAN,Durgapur,West Bengal , , , ) Eluru: D.No:23B-5-93/1,Savithri Complex,Edaravari Street, Near Dr.Prabhavathi Hospital,R.R.Pet,-,Eluru, Andhra Pradesh ( , , /53/54) Erode: No: 4, Veerappan Traders Complex,, KMY Salai, Sathy Road,Opp. Erode Bus Stand, Erode, Tamil Nadu ( , )Faridabad: A-2B, Ist Floor, Nehru Groundnit,Faridabad, Haryana ( , ) Ferozpur: The Mall Road, Chawla Bulding, Ist Floor, Opp. Centrail Jail, Near Hanuman Mandir, Ferozepur, Punjab ( , , ) Gandhidham: 204 2Nd Floor, Bhagwati Chamber, Kutchkala Road,Gandhidham,Gujarat ( , ) Gandhinagar: Plot No - 945/2,Sector - 7/C,Opp Pathika, Gandhinagar, Gujarat ( , , ) Gaya: 1St Floor Lal Bhawan, Tower Chowk,, Near Kiran Cinema,Gaya,Bihar ( , , ) Ghaziabad: 1St Floorc-7,,Lohia Nagar,-,Ghaziabad,Uttar Pradesh ( ,-, ) Ghazipur: 2Nd Floor,Shubhra Hotel Complex, Mahaubagh, Ghazipur, Uttar Pradesh,233001, ,-, ) Gonda: Shri Market,Sahabgunj,Station Road,Gonda,Uttar Pradesh ( ,-, )Gorakhpur: Above V.I.P. Houseajdacent,A.D. Girls College, Bank Road, Gorakpur, Uttar Pradesh ( , , ) Gulbarga: Cts No St Floor, Asian Towers, Jagath Station Main Road, Next To Adithya Hotel,Gulbarga,Karnataka ( , , ) Guntur: D No , Srinilayam, Arundelpet, 10/1,Guntur, Andhra Pradesh ( , , ) Gurgaon: Shop No.18, Ground Floor, Sector - 14,Opp. Akd Tower,Near Huda Office,Gurgaon,Haryana ( ,-, ) Guwahati: 54 Sagarika Bhawan 2Nd Floor, R G Barooah Road, Aidc, Near Baskin Robbins,Guwahati,Ass am ( ,-, ) Gwalior: 2nd Floor, Rajeev Plaza,, Jayendra Ganj, Lashkar,-,Gwalior, Madhya Pradesh ( , ) Haldwani: Above Kapilaz, Sweet House, Opp LIC Building,Pilikothi,Haldwani,Uttaranchal ( ,-, ) Haridwar: 8, Govind Puri, Opp. LIC - 2,Above Vijay Bank, Main Road, Ranipur More,Har idwar,uttaranchal ( ,-, ) Hassan: St Anthony S Complex, Ground Floor, H.N. Pura Road, Hassan, Karnataka ( ,-, ) Hissar: Sco- 71, 1St Floor,Red Square Market,-,Hissar,Haryana,125001, ,-, , Hoshiarpur: 1St Floor, The Mall Tower,Opp Kapila Hospital, Sutheri Road, Hoshiarpur, Punj ab ( , , ) Hubli: 22nd & 23rd, 3Rd Floor, Eureka Junction,Travellers Bunglow, Hubli, Karnataka ( , , ) Hyderabad: , Avenue 4, Karvy Plaza,Street No 1, Banjara Hills,Hyderabad, Andhra Pradesh ( , / / / ) Indore: 2nd floor, Balaji Corporates, Above ICICI bank, 19/1 New Palasia, NearCurewell Hospital, Janjeerwala Square Indore,Indore,Madhya Pradesh ( , , , ) Jabalpur: Grover Chamber, 43 Naya Bazar Malviya Chowk,Opp Shyam Market,Jabalpur,Madhya Pradesh , , , ) Jaipur: S16/A IIIrd Floor,Land Mark Building Opp Jai Club,Mahaver Marg C Scheme, Jaipur, Rajasthan ( , / , , /17) Jalandhar: Arora Prime Tower, Lowe Ground Floor, Office No 3 Plot No 28, Jalandhar, Punjab ( , , ) Jalgaon: 113, Navi Peth, B/H Mahalaxmi Dairy, Jalgaon, Maharashthra ( , , ) Jalpaiguri: D B C Road Opp Nirala Hotel, Opp Nirala Hotel, Jalpaiguri, West Bengal ( , , ) Jammu: 5 A/D Extension 2,Near Panama Chowk Petrol Pump, Panama Chowk,Jammu, Jammu & Kashmir ( , , , ) Jamnagar: Madhav Palaza, Opp Sbi Bank, Nr Lal Bunglow, Jamnagar, Gujarat ( , ) Jamshedpur : 2nd Floor, R R SQUARE, SB SHOP AREA, NEAR RELIANCE FOOT PRINT & HOTEL- BS PARKPLAZA, MAIN ROAD,, Jamshedpur, Jharkhand ( , , , / / / / ) Jaunpur: R N Complex, G,In Front Of Pathak Honda, Ummarpur, Jaunpur, Uttar Pradesh, , , ) Jhansi : 371/01, Narayan Plaza,Gwalior Road, Near Jeevan Shah Chauraha, Jhansi,Uttar Pradesh , ,-, ) Jodhpur: 203, Modi Arcade, Chopasni Road, Jodhpur, Rajasthan ( , , ) Junagadh: Punit Shopping Center, M.G Road, Ranavav Chowk, Junagadh, Gujarat , , , ) Kannur: 2 Nd Floor, Prabhath Complex, Fort Road, Nr. Icici Bank, Kannur, Kerala ( , , ) Kanpur : 15/46, B, Ground Floor,Opp : Muir Mills,Civil Lines,Kanpur, Uttar Pradesh ( , / , /6,) Karaikudi: No. 2,Gopi Arcade, 100 Feet Road,,-,Karaikudi, Tamil Nadu , ,-, ) Karimnagar: H.No /131, Above Union Bank, Jafri Road,,Rajeev Chowk, Karimnagar, Andhra Pradesh ( ,-, , / 75 / 79) Karnal: 18/369, Char Chaman, Kunjpura Road, Behind Miglani Hospital, Karnal, Haryana ( , ; , ) Karur: No.6, old No.1304, Thiru-vi-ka Road,, Near G.R.Kalyan Mahal,,Karur,Tamil Nadu , ) Kharagpur: 180 Malancha Road,,-, Beside Axis Bank Ltd,,Kharagpur,West Beng al ( , , ) Kolhapur: 605/1/4 E Ward, Shahupuri 2Nd Lane,Laxmi Niwas,Near Sultane Chambers, Kolhapur,Maharashth ra ( , , ) Kolkata: 166 A Rashbihari Avenue 2nd Floor,-,Opp- Fortish Hospital,Kolkata,West Bengal ( , , / 36; /9267, , , ) Kollam: Sree Vigneswara Bhavan,Shastri Junction,Kadapakada,Kollam,Kerala ( , , ) Korba: 1st Floor, City Centre,97 IRCC, Transport Nagar, Korba, Chatisgarh ( , ) Kota: 29,Ist Floor, Near Lala Lajpat Rai Circle, Shopping Centre, Kota, Rajasthan ( , , , ) Kottayam: 1St Floor Csiascension Square,Railway Station Road, Collectorate P O, Kottayam,Kera la ( ,, ) Kurnool: Shop No.43, 1St Floor, S V Complex,Railway Station Road, Near Sbi Main Branch,Kurnool,Andhra Pradesh ( , , ) Lucknow: 24, Prem Nagar, Ashok Marg,Lucknow, Uttar Pradesh ( , , ) Ludhiana: Sco - 136,1St Floor Above Airtel Showroom,Feroze Gandhi Market,Ludhiana,Punjab ( , , ) Madurai: Rakesh towers, 30-C, Ist floor,, Bye pass Road,, Opp Nagappa motors,,madurai, Tamil Nadu , , , ) Malappuram: First Floor,Cholakkal Building, Near U P School,Up Hil,Malappuram,Kerala , ,, ) Malda: Sahis Tuli, Under Ward No.6,, No.1 Govt Colony,, English Bazar Municipality, Malda, West Bengal ( , , ) Mandi: 149/11,School Bazaar,-,Mandi,Uttar Pradesh ( ,-, ) Mangalore: Mahendra Arcade Opp Court Road,Karangal Padi, Mangalore,Karnata ka ( , , ) Margoa: 2Nd Floor,Dalal Commercial Complex,Pajifond,Margao,Goa ( ,-, ) Mathura: Ambey Crown, Iind Floor,In Front Of Bsa College, Gaushala Road,,Mathura, Uttar Pradesh ( ,-, ) Meerut: 1St Floor,Medi Centreopp Icici Bank,Hapur Road Near Bachha Park,Meerut,Uttar Pradesh ( ,-, ) Mehsana: Ul/47 Apollo Enclave,Opp Simandhar Temple,Modhera Cross Road,Mehsana,Gujarat , ,-, ) Mirzapur: Above HDFC Bank, Dankeenganj,,UP,Mirzapur,Uttar Pradesh , ,-, ) Moga: 1St Floor,Dutt Road,Mandir Wali Gali, Civil Lines, Barat Ghar,Mo ga,punjab ( , , ) Moradabad: Om Arcade, Parker Road, Above Syndicate Bank, Chowk Tari Khana, Moradabad, Uttar Prade sh ( , / , ) Morena: Moti Palace,Near Ramjanki Mandir, Near Ramjanki Mandir, Morena, Madhya Pradesh ( , ) Mumbai: 24/B, Raja Bahadur Compound, Ambalal Doshi Marg,,Behind Bse Bldg, Fort, Maharashthra ,-, , , ); Andheri : 6 & 7, Andheri Industrial Estate,Veera Desai Road, Andheri (west), Mumbai ; Borivali: Ground Floor, Himanshu Bldg,Sodawala Cross Lane, Chandawarkar Road,Borivali, Mumbai ; Chembur: Shop No 4, Ground Floor, Shram Saflya Bldg.N G Acharya Marg,Chembur, Mumbai ; Muzaffarpur: 1 St Floor,Uma Market, Thana Gumtimoti Jheel, Muzaffarpur,Bih ar ( ,-, ) Mysore: L-350, Silver Tower,,Ashoka Road, Opp.Clock Tower, Mysore, Karnataka ( , , ) Nadiad: 104/105,Near Paras Cinema,City Point Nadiad,Nadiad,Gujarat ( , ) Nagerkoil: 3A, South Car Street,Parsans Complex,Nagercoil,Tamil Nadu ( ) Nagpur: Plot No 2/1 House No 102/1,Mata Mandir Road, Mangaldeep Appartment Opp Khandelwal Jewelers, Dharampeth, Nagpur, Maharashthra ( , , , ) Namakkal: 105/2, Arun Towers,,Paramathi Street,-,Namakkal,Tamil Nadu,637001, ,-, ) Nanded: Shop No.4, Santakripa Market, G G Road, Opp. Bank Of India, Nanded, Maharashthra ( , , ) Nasik: F-1, Suyojit Sankul, Sharanpur Road,-, Nasik, Maharashth ra , , , ) Navsari: 1/1 Chinmay Aracade,Opp Sattapir Rd,Tower Rd, Navsari, Gujarat ( ,, , ) Nellore: , Room No : 27, 2Nd Floor,Keizen Heights, Gandhi Nagar, Pogathota,Nellore,Andhra Pradesh,524001, ,-, )New Delhi: 305 New Delhi House,27 Barakhamba Road,-,New Delhi,New Delhi , , , , ) Nizamabad: H No: ,A Bove Bank Of Baroda First Floor, Beside HDFC Bank, Hyderabad Road, Nizamabad, Andhra Pradesh , ,-, ) Noida: 307 Jaipuria Plazad 68 A, 2Nd Floor,Opp Delhi Public School,Sector 26,Noida,Uttar Prade sh , ,-, ) Palghat: No: 20 & 21,Metro Complex H.P.O.Road Palakkad, H.P.O. Road, Palakkad, Kerala ( , , ) Panipat: 1St Floor,,Krishna Tower, Above Amertex,G.T. Road, Panipat,Haryana ( ,-, ) Panjim: City Business Centre,,Coelho Pereira Building, Room No 18,19 & 20,Dada Mutual Fund Investment Are Subject To Market Risks, Read All Scheme Related Document Carefully.

31 KARVY - OFFICIAL POINT OF ACCEPTANCE Vaidya Road,,Panjim,Goa ( , , , )Pathankot: 1St Floor, 9 A,Improvement Trust Building,Patel Chowk,Pathankot,Punj ab , , , ) Patiala: Sco 27 D,Chotti Baradari, Near Car Bazaar,Patiala,Punjab ( , , ) Patna: 3A, 3Rd Floor Anand Tower,Exhibition Road,Opp ICICI Bank, Patna,Bihar ( , , , ) Pollachi: 146/4,Ramanathan Building,1st Floor New Scheme Road,-,Pollachi,Tamil Nadu ( ,-, , , )Pondicherry: No:7, Thiayagaraja Street,,-,Pondicherry,Pondicherry ( ) Proddatur: Shop No:4, Araveti Complex,Mydukur Road,Beside Syndicate Bank, Proddatur, Andhra Pradesh ( , )Pudukottai: Sundaram Masilamani Towers, Ts No , Pm Road,,Old Tirumayam Salai, Near Anna Statue, Jublie Arts,,Pudukottai,Tamil Nadu ( , )Pune: Office # 16, Ground Floor,Shrinath Plaza,Near Dyaneshwar Paduka Chowk, F C Road, Pune,Maharashthra ( , , , ) Raipur: Shop No. 31, Third Floor,, Millenium Plaza, Above Indian House,, Behind Indian Coffee House,,Raipur,Chatisgarh ( , , ) Rajahmundry: D.No.6-1-4, Rangachary Street,,T.Nagar, Near Axis Bank Street,Rajahmundry, Andhra Pradesh ( , , , ) Rajapalayam: Sri Ganapathy Complex, 14B/5/18,, T P Mills Road,,Virudhungar Dist, Rajapalayam,Tamil Nadu ( , )Rajkot: 104, Siddhi Vinyak Com. Opp Ramkrishna Ashram,Dr Yagnik Road, Rajkot, Rajkot, Gujar at ( , , ) Ranchi: Room No 3073RdFloor,CommerceTower,Beside Mahabir Tower, Ranchi, Jharkhand ( , , ) Ratlam: 1 Nagpal Bhawan, Free Ganj Road,Do Batti,Near Nokia Care,Ratlam,Madhya Pradesh ( , , )Renukoot: Shop No. 18,Near Complex Birla Market,-,Renukoot,Uttar Pradesh ( ,-, ) Rewa: Ist Floor, Angoori Building,Besides Allahabad Bank, Trans University Road, Civil Lines,Rewa, Madhya Pradesh ( ,-, ) Rohtak: 1St Floor,Ashoka Plaza,Delhi Road,Rohtak,Haryana ( ,-, ) Roorkee: Shree Ashadeep Complex, 16,Civil Lines,Near Income Tax Office,Roorkee,Uttaranchal ( ,-, )Rourkela: 1St Floor Sandhu Complex,, Kachery Road, Uditnagar, Rourekla, Oris sa ( , , ) Sagar: Above Poshak Garments,5 Civil Lines,Infront Of Income Tax Office,Sagar,Madhya Pradesh ( , , ) Saharanpur: 18 Mission Market,Court Road,-,Saharanpur,Uttar Pradesh ( ,-, )Salem: No:40,Brindavan Road, Fairlands, Near Perumal Koil,,Salem,Tamil Nadu ,( , ) Sambalpur: Ground Floor Quality Massion, Infront of bazaar kolkata, Nayapara, Sambalpur, Orissa ( , , ); Secunderabad: 1st Floor, Thirumala Complex, Paradise Circle, S.D Road, Opp. Hotel Kamat, Secunderabad ; Satna: 1St Floor, Gopal Complex, Near Bus Stand,Rewa Road,Satna, Madhya Pradesh ( , ) Shaktinagar: 1St/A-375,, V V Colony,Dist Sonebhadra,Shaktinagar,Uttar Pradesh ( ,-, ) Shillong: Annex Mani Bhawan,Lower Thana Road,Near R K M Lp School, Shillong, Meghalaya ( ,-, ) Shimla : Triveni Building,By Pas Chowkkhallini,-,Shimla,Himachal Prade sh ( ,-, ) Shimoga: Sri Matra Naika Complex, 1St Floor, Above Shimoga Diagnostic Centre,, Llr Road, Durgigudi,, Shimoga, Karnataka ( , , , ) Shivpuri: 1St Floor, M.P.R.P. Building, Near Bank Of India, Shivpuri, Madhya Pradesh ( ,-, ) Sikar: First Floor, Super Tower,Behind Ram Mandir Near Taparya Bagichi,Sikar, Rajasthan ( , ) Silchar: N.N. Dutta Road,Chowchakra Complex, Premtala, Silchar, Ass am ( , , ) Siliguri: Nanak Complex,Sevoke Road,-, Siliguri, West Bengal ( , , ) Sitapur: 12/12-A Sura Complex,Arya Nagar Opp,Mal Godam,Sitapur,Uttar Pradesh ( , ) Sivakasi: 363,Thiruthangal Road,Opp: TNEB,Sivakasi,Tamil Nadu , ,-, ) Solan: Sahni Bhawan,Adjacent Anand Cinema Complex,The Mall,Solan,Himachal Pradesh ( ,-, ) Solapur: Block No 06, Vaman Nagar, Opp D-Mart,Jule Solapur,Solapur,Maharashthra ( , , )Sonepat: 205 R Model Town,Above Central Bank Of India,-,Sonepat,Haryana ( ,-, ) Sri Ganganagar: 35E Block, Opp: Sheetla Mata Vaateka Sri Ganganagar,-, Sri Ganganagar,Rajasthan ( , , ) Srikakulam: D.No /1,Venkateswara Colony,Near Income Tax Office, Srikakulam,Andhra Pradesh ( , , , ) Sultanpur: Rama Shankar Complex,Civil Lines,Faizabad Road, Sultanpur, Uttar Pradesh ( ,-, ) Surat: G-5 Empire State Buliding,Nr Udhna Darwaja, Ring Road, Surat,Gujar at ( , , , )thanjavur: No. 70, Nalliah Complex, Srinivasam Pillai Road,Tanjore,Tamil Nadu , ,-, ) Thodupuzha: First Floor, Pulimoottil Pioneer,Pala Road,-,Thodupuzha,Kerala , , )Tirunelveli: 55/18, Jeney Building,S N Road,Near Aravind Eye Hospital,Tirunelveli,Tamil Nadu ( ,-, )Tirupathi: D no: 203, II nd Floor,,PADMAVATHI NILAYAM, NOKIA CARE UPSTAIRS,Tilak Road,Tirupathi,Andhra Prade sh ( , , )tirupur: First floor, 244 A,Kamaraj Road,Opp to Cotton market complex,tirupur,tamil Nadu , )Tiruvalla: 2Nd Floor,Erinjery Complex,Ramanchira,Opp Axis Bank,Thiruvalla,Kerala ( , )Trichur: 2nd Floor,Brothers Complex, Naikkanal Junction,Shornur Road,Near Dhanalakshmi Bank H O,Thrissur,Kerala ( , , )Trichy: 60, Sri Krishna Arcade, Thennur High Road,,-,Trichy,Tamil Nadu ( , ) Trivandrum: 2Nd Floor,Akshaya Tower,Sasthamangalam,Trivandrum,Kerala ( , , ) Tuticorin: 4 - B, A34 - A37,, Mangalmal Mani Nagar,, Opp. Rajaji Park, Palayamkottai Road,,Tuticorin, Tamil Nadu ( ) Udaipur: ,Madhav Chambers, Opp G P O, Chetak Circle,Udaipur,Rajasth an ( , , ) Ujjain: 101 Aashta Tower,13/1 Dhanwantri Marg,Freeganj,Ujjain,Madhya Pradesh ( , , , )Valsad: Shop No 2, Phiroza Corner,Opp Next Show Room,Tithal Road,Valsad,Gujarat ( , , ) Vapi: Shop No-12, Ground Floor,Sheetal Appatment, Near K P Tower,Vapi,Gujarat ( , , ) Varanasi: D-64/1321St Floor, Anant Complex, Sigra, Varanashi, Uttar Prade sh ( , , ) Vellore: 1, M N R Arcade,Officers Line, Krishna Nagar,Vellore,Tamil Nadu ( , ) Vijayanagaram: Soubhagya, /3, 2Nd Floor, Near Fort Branch,Opp: Three Temples, Vizianagaram,Andhra Pradesh ( , , )Vijayawada: ,Opp : Municipal Water Tank,Labbipet,Vijayawada,Andhra Pradesh ( ) Visakhapatnam: Door No: , Dwaraka Diamond, Ground Floor,Srinagar, Visakhapatnam, Andhra P ade sh ( , ) Warangal: , 1 St Floor, Opp: B.Ed Collage, Lashkar Bazar, Chandra Complex, Hanmakonda,, Warangal, Andhra Pradesh ( ) Yamuna Nagar: Jagdhari Road,Above Uco Bank,Near D.A.V. Girls College, Yamuna Nagar, Haryana ( , ) Mutual Fund Investment Are Subject To Market Risks, Read All Scheme Related Document Carefully.

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