Investment Account Form & Client Investment Profile Questionnaire

Strictly confidential

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Statement Details

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Individualised investment advice

As one of our valued clients, it is essential to have a clear understanding of your financial situation to provide you with investment advice in the most effective
way. This may include understanding your personal (sensitive) data, such as family situation, consolidated wealth, as well as your investment horizon and
appetite for risk.
In order to assist our clients in structuring their thoughts, we have designed a user-friendly "financial check-up" questionnaire. By answering the questions,
your investment profile can be developed. This profile forms the basis for us to recommend an asset allocation, which matches with your background, risk
profile and investment horizon. At the same time, it ensures that our investment advice is in line with your expectations.
The information provided to us will be treated in strictest confidence.
Peace of mind
ABN AMRO Banking is periodically providing you with a comprehensive valuation of all your assets with the bank. This will allow you to compare your
investment strategy with your investment profile. We recommend that you monitor your investment on a regular basis, particularly in times of turbulent
financial markets. We will be pleased to assist you in the review and will also guide you if you deem, that your circumstances have changed and that it warrants
a change in your investment profile.
We now invite you to answer the 12 questions on the following two pages. We are there to assist you in the process and evaluation at the end of the
questionnaire.
Welcome to ABN AMRO Investment Advisory Service.

Your personal financial check-up , 12 questions to determine your individual investment profile:
(except where indicated, please give only one answer to each question)
Section I - Personal Investment Risk Analysis
For Joint Account application, only the Primary Applicant is required to complete the questions in Section I
Please " " boxes as appropriate

Investment objectives
1.

What is the main reason for you investing in the financial markets?

a. I rely on my investments to supplement my cash flow

c. I want to save for the "rainy days"
e. I want to grow my capital

b. I rely on my investments to supplement my future income (pension)

d. I want to protect the value of my capital (wealth preservation)

2.

What is your time frame for making investment decisions (i.e. in what time frame do you wish to achieve your investment objectives)?
a. Less than 1 year
b. 1 to 3 years
c. 3 to 5 years
d. 5 to 10 years
e. 10 to 15 years
f. 15 to 25 years
g. It would depend and could even entail incurring a loss upon redemption

3.

Why did you contact ABN AMRO in the first place?

a. Savings

b. Investment

c. Wealth planning

d. No specific reason

Your personal income

4.

How would you describe your present income?

a. More than sufficient to cover my living expenses (I am able to save a certain amount every year)
b. Sufficient to cover my living expenses (I am not able to accumulate any savings)
c. Not sufficient to cover my living expenses (I need to supplement my income with returns on my investments)
5.
a.
b.
c.
d.

How would you best describe your income expectations over the next five years?
I expect my income to rise well ahead of inflation (through promotion, career developments, etc.)
I expect my income to keep pace with inflation
I expect my income to fall (as result of retirement, reduced working hours, etc.)
My income fluctuates from year to year (e.g. for self-employed investors)

Investment experience
6.
a.
b.
c.
d.

Have you ever invested in securities before?

Never (Proceed to No.7)
Yes, through an investment manager (discretionary portfolio management) (Proceed to No.7)
Yes, in connection with a mortgage and/or life insurance policy (Proceed to No.7)
Yes, through direct investments or mutual funds

6.1. Which of the following investment vehicles do you have experience in, and for how long have you invested in such products?
6.1.1.
a.
6.1.2.
a.
6.1.3.
a.
6.1.4.
a.

Fixed income
Less than 2 years
b. 2 years~5 years
Mutual funds
Less than 2 years
b. 2 years~5 years
Shares (incl. equity-linked notes)
Less than 2 years
b. 2 years~5 years
Options, futures, warrants, structured products, alternative investments
Less than 2 years
b. 2 years~5 years

c. 5 years~10 years

d. More than 10 years

c. 5 years~10 years

d. More than 10 years

c. 5 years~10 years

d. More than 10 years

c. 5 years~10 years

d. More than 10 years

Frequency of your investment transactions

7.

On average, how many transactions (buy and sell) do you initiate each year?

a. More than 150 times

e. Less than 5 times

b. Between 50 and 150 times

f. None

c. Between 25 and 50 times

d. Between 5 and 25 times

Frequency of portfolio reviews

8.

How often would you like to review your investment portfolio in the future?

a. Rarely or never
e. Several times a week

b. At least once a year

c. At least once a quarter

d. At least once a month

Risk tolerance
9.

Investments carrying a higher risk come with a bigger chance of achieving higher returns, but also a bigger chance of incurring substantial losses.
Each investor has a different appetite for risk. Suppose you had Rs. 1 crore to invest, which of the following return scenarios would be most
attractive to you?

a. Between a loss of 2% and a gain of 13%

c. Between a loss of 26% and a gain of 46%

b. Between a loss of 12% and a gain of 28%

d. Between a loss of 50% and a gain of 100%

10. How would a sharp drop in your investments affect you?

a. It would personally affect me very much
c. I would be disappointed, but do recognize that this is always possible

b. I would be disappointed
d. It would not affect me

11. Would you be prepared to invest in a way where you could possibly lose more than the amount you initially invested (leverage)?
a. Yes

b. No

Asset allocation
12. What proportion of your assets would you wish to invest in instruments other than risk-free deposits?
a. Less than 25%
d. More than 75%

b. Between 25% and 50%

e. Depends on the market situation

c. Between 50% and 75%

Section 2 : Risk Tolerance Confirmation

Results of your Risk Tolerance Test
Score

Growth

Balanced

Conservative

0 -115

116 - 175

176+

1
a 40 pts
b 30 pts
c 10 pts
d 4 pts
e 2 pts

2
a 200 pts
b 40 pts
c 30 pts
d 10 pts
e 5 pts
f 3 pts
g 0 pts

3
a
b
c
d

7
a 0 pts
b 1 pts
c 4 pts
d 5 pts
e 10 pts
f 15 pts

8
a 5 pts
b 4 pts
c 3 pts
d 2 pts
e 1 pts

9
a 35 pts
b 25 pts
c 10 pts
d 5 pts

0 pts
0 pts
0 pts
0 pts

4
a 0 pts
b 5 pts
c 20 pts

10
a 15 pts
b 10 pts
c 5 pts
d 0 pts

5
a 0 pts
b 4 pts
c 6 pts
d 10 pts

11
a 0 pts
b 50 pts

6
a
b
c
d

6.1.1
a 20 pts
b 18 pts
c 12 pts
d 10 pts

50 pts
25 pts
20 pts
0 pts

12
a 10 pts
b 6 pts
c 3 pts
d 0 pts
e 0 pts

6.1.2
a 8 pts
b 6 pts
c 4 pts
d 3 pts

6.1.3
a 0 pts
b 0 pts
c 0 pts
d 0 pts

6.1.4
a 0 pts
b 0 pts
c 0 pts
d 0 pts

Growth
We recommend that you invest in the Model Portfolio A ( Growth). Your goal
is to grow you capital. You understand the risks associated with realising
superior returns. You don't worry about increased volatility in your portfolio;
you expect that higher returns over the long term will more than make up for
this volatility.
Balance
We recommend that you invest in the Model Portfolio B ( Balance).You are
quite familiar with the opportunities and risk associated with investing in
financial instruments. You are willing to invest in equity and equity linked
products. However, your risk appetite is moderate and necessitates proper
diversification.

Conservative.
We recommend that you invest in the Model Portfolio C ( Conservative).You do recognise that investments are necessary in order to achieve your longer term
investment objectives. However you wish to achieve this with as little risk as possible. Your primary objective is to receive a consistent, secure cash flow
coming from reliable investments in debt capital market and inflation protection products.

Growth
25%

Conservative

Balance
25% 5%

5%

25%

5%
15%

Asset Allocation Models

15%

35%
55%

35%

55%

Section 3 : Customer Declaration

I/We hereby agree and accept that all investments in mutual funds are subject to market risks and returns and may fluctuate from time to time. I/We confirm that past performance does not guarantee future
returns. I/We understand that the Bank is an advisor of mutual funds and that the bank is neither responsible nor liable for any scheme or any investment plan of the mutual fund. I/We declare that I/we shall/will
take into account all risk factors before making any investment in the mutual funds. I/We accept and understand that the investment statements that will be sent by ABN AMRO Bank N.V. to me/us, will be
prepared by the Bank on the basis of information provided by the Issuer/mutual fund house/asset management company of the mutual fund. I/We shall not hold the Bank liable or responsible if the investment
statements or any one or more of them are not sent or sent late by the Bank or any information contained therein is found to be incorrect, inaccurate or incomplete. I/We agree and undertake not to hold the Bank
responsible or liable for any loss or damage suffered/incurred by me/us due to any error in the information contained in the said investment statements or any one or more of them or due to any investment decision
taken pursuant to such information. I/We confirm that account to be opened pursuant to the above application and my/our relationship with ABN AMRO shall be governed by the account terms and conditions as
applicable on the date hereof (version 2005 / 01/ a), which have been duly read and understood by me/us, and as may be amended from time to time.

Customer Signature* : _________________________________

*Mandatory
# You may not fill these fields if you are already a bank customer.

Place :____________________
Date : ____________________

My personal Investment profile

I would like to adopt the asset allocation mix as described below. Risk profiles and investment objectives may change over time and I will discuss such changes with my ABN AMRO Investment Services
Counsellor/Relationship Manager in order to adjust the investor profile accordingly.

Model Portfolio
My questionnaire score indicates that model portfolio ______________________________________________________ is most appropriate for me under the present circumstances.
o I agree that the model portfolio indicated by the questionnaire is appropriate model portfolio for me
o I understand that the most suitable model portfolio is___________________________________________________________________, however, I would like to adopt model
portfolio_________________________________________________________________________________________________.
o I understand that this means that the investments suggested might involve risks, which are not aligned with my wishes (as per questionnaire)
o I understand that the most suitable model portfolio is _________________________________. However I would like to follow the asset mix of Equities____________________,
Debt Capital Markets_______________________________, Money Market & Cash_______________________, Alternative Investment Products,______________________,
I understand that this means that the investments suggested might involve risks, which are not aligned with my wishes (as per questionnaire)
Please Note :
Your ABN AMRO Investment Services Counsellor/Relationship Manager is happy to review your investment objectives and risk profile whenever you deem that your circumstances have changed
and that such a review is warranted.

Client Name: _________________________________________________ Relationship Manager: _________________________________________

Date & Place: _________________________________

____________________________

_________________________

Clients Signature

Relationship Managers Signature

Disclaimer:
Bank, through the process of Client Profiling, is merely organising on best effort basis, the answers provided by the Client against a set of questions , whereby, client has formally agreed to be classified into any of the categories, i.e.
conservative, balance or growth, or has explicitly assigned a specific allocation to himself, as the case may be, and therefore, Client Profiling shall not be construed as an advice given by the Bank. Client shall bound by and
responsible for the category in which he has approved to be classified in and Bank shall not be liable for any alignment made between the investment and customer profile based on customer's feedback. Banks responsibility is
limited to informing the customer from time to time about the "actual" asset mix and the "ideal" asset mix only. Client alone shall be responsible for all decisions made pertaining to investment and/or decision incidental or ancillary to
it. Bank shall not be responsible for monitoring / approving / rejecting investments made by the Client or informing the Client about any discrepancy between the Client's profile and investments made by the Client. ABN AMRO states
hereby that neither ABN AMRO nor its related Companies, employees nor agents shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from
the process of Client Profiling or any act or thing, howsoever remote, related to it.

If you wish to use ABN AMRO NetBanking to invest please fill the following.

INVEST ONLINE MANDATE

I/we .............................................................................. having CIF No........................................................ Primary Holder..........................................................................................
and Joint Holder ............................................................................................................................................. hereby appoint ABN Amro Bank N.V. (hereinafter called the Bank" hereinafter called
as the Bank (which expression shall unless it be repugnant to the context or meaning thereof shall be deemed to mean and include its successors and assigns) to act as my/our agent to do certain
acts, deeds, matters and things in my name and on my behalf and at my risk and costs as more specifically herein detailsed :
Authority to the Bank :
1. To enable subscription to and/or redemption of units of mutual funds & subscription to shares and other securities through the Banking over the Internet or Net banking facility and to execute
such transaction on my behalf basis my initiation for the same over net banking. The subscription in the units of mutual funds will be in as primary applicant and the operation mandate will be singly
or on either or survivor basis. The term 'Securities' shall include securities as defined by the Securities Contracts (Regulation) Act, 1956 as amended from time to time. I undertake that unless
otherwise communicated to the R&T Agent of the concerned Fund House (with a copy to the Bank), I will initiate only over netbanking all future transactions (additional
purchase/redemption/switch) relating to any purchase transactions in a mutual fund that were originally executed using the netbanking facility and that no such transaction will be requested by
me on paper.
2. To confirm having read and understood the contents of the offer documents of various schemes of mutual funds in which I may invest in, using the netbanking facility and not to hold the mutual
fund liable for any transaction processed on the basis of information provided by the Bank.
3. To receive statements and other documents and items pertaining to the above units/securities and to acknowledge receipt of the same.
4. To sign all such application forms, transfer deeds, redemption requests, depository forms, and other writings and do all such acts as may be required for all or any of the above purposes.
5. To correspond with and give notice to the corresponding asset management company / body corporate(s) / issuer / registrar and transfer agent of securities including giving instructions with
regard to nomination/change in investment plans/any other changes that may be necessitated.
6. To do or omit to do all such acts and things as the Bank may in its discretion consider to be necessary or desirable in order to exercise its powers hereunder or to comply with any laws, orders rules,
regulations or directions of any government or regulatory or other authorities.
AND GENERALLY to do, perform and execute all such other acts, deeds, instruments, matters and things for on my behalf as the Bank may think fit in respect of the above matters as fully and
effectually and to all intents and purposes as I myself could do if I were personally present AND for the further, better and more effectually doing, effecting, executing and performing the several
matters and things aforesaid I hereby give and grant unto the bank full power and authority from time to time to appoint one or more substitute and substitutes to do, execute and perform all or any of
such matters and things as aforesaid and the substitute or substitutes at pleasure to remove and to appoint another or others in his/her place AND I hereby ratify and confirm and agree and undertake
to ratify and confirm whatsoever the Bank shall lawfully do or cause to be done by virtue of these presents.
Status of first applicant: Resident / Non Resident
Primary Holder's Name and Signature __________________________________________________________________ CIF No.: ________________________________
Joint Holder's Name Signature, if applicable _____________________________________________________________ CIF No.: _______________________________

Please do not fill (for bank use only)

RM Code
RM Name

:
:

Region

Branch/Branch Code

Customer Status

CEDP Company

Customer Group

Staff Flag

: Yes

Documents Enclosed

: PAN

No
KYC Acknowledgment

KYC Documents

Client Code/CIF number____________________________________ Created on _________________________________________________________

Created by _______________________________________ Signature_______________________________________________________________

15 July 08

Incase of non-banking client original ID proof is sighted and signature verified. RM Signature_____________________________________________________