BIRLA_Application_Form_ELSS___Critical_Illness_Insurance_One_Pager1

with a Now fit Bene New SAVE TAX GROW YOUR MONEY CRITICAL ILLNESS INSURANCE Birla Sun Life Tax Relief ‘96 An open ended Equity Linked Savings Scheme (ELSS) with a lock-in of 3 years. Why settle for tax savings alone when you can get a lot more. World’s 3rd Best Equity Fund Ranked 3rd among Top Performing Equity Funds in the World by Lipper Equity Funds (6302 funds), 10 yrs ended 31 Dec 07 With Birla Sun Life Tax Relief ‘96 (BSL Tax Relief ‘96), you not only save taxes up to Rs. 33,990 under section 80 C of the Income Tax Act, 1961; you also get the opportunity to grow your money, earn dividends and get critical illness insurance of up to Rs. 10 lac. right up to the age of 55 yrs. Why settle for anything less? Past performance is no guarantee of future results. For ranking methodology, please see overleaf. Tax savings of Rs. 33,990 is calculated assuming qualifying amount of deduction is Rs. 1 lac & taxable income > Rs. 10 lac. & includes applicable surcharge & education cess. Grow Your Money Grow your money with the World's 3rd Best Equity Fund: BSL Tax Relief '96 has been ranked as world's 3rd best equity fund by Lipper for its consistent performance for the last 10 yrs ended December 31, 2007 . Attractive dividends: Since its inception on 29th March 1996, BSL Tax Relief '96 has declared 2160% dividends. Dividend History since inception Had you invested Rs 1 Lac on 29th March 1996, you would have earned Dividend Date Dividend (Rs. / unit) Cum Dividend NAV (Rs. / unit) 5/05/00 30.00 101.99 10/03/04 10.00 125.37 27/04/06 08/12/06 19/01/07 50.00 224.51 25.00 193.94 26.00 176.54 16/03/07 50.00 134.27 25/03/08 20.00 106.74 27/06/08 5.00 71.86 Rs. 21.6 Lac in Tax – free dividends alone!!! fit Bene New Dividends mentioned above were on a face value of Rs. 10/unit. After payment of dividend, NAV will fall to the extent of the payout and statutory levy, if any. Past performance is no guarantee of future results. with a Now Critical Illness Insurance Investing in BSL Tax Relief '96 also gives you insurance of upto Rs. 10 Lac till the age of 55 yrs against 9 critical illnessess like Heart Attack, Kidney Failure, Bypass Surgery etc. Key Features • Eligibility: Ages 18 - 45 years • Minimum Application Amount: Rs. 10,000/• Installment Frequency: Yearly (Through ECS Only) • Insurance Cover: Upto 10 times of yearly installment • Critical Illnesses Insured: w Attack (Myocardial Infarction) Heart Bypass w Surgery (Coronary Artery by Pass Graft Surgery) w Organ Transplant Major • Insurance CoverValidity: Upto 55 years. Insurance Cover is valid upto 55 years, provided at least 3 yearly installment are made (incl. 1st installment) & investor does not redeem / switch out / transfer his / her investments. Make sure you fill the Good Health Declaration Section, SIP Application Form and read the Terms & Conditions attached with this form. Yearly installment of Rs. 1 lac Year 1 Year 2 Year 3 Year 4 Year 5 onwards, till 55 years Gives you a Critical Illness Insurance of ... 2 x 1 lac 3 x 1 lac 4 x 1 lac 5 x 1 lac 10 x 1 lac = = = = = 2 lac 3 lac 4 lac 5 lac 10 lac Kidney w Failure (End Stage Renal Failure) w End stage Liver disease w Valve Replacement Heart Cancer w Paralysis w Stroke w Brought to you by Mutual Fund House of the Year. Awarded by CNBC TV 18 CRISIL Birla Sun Life Asset Management Company Limited (the Investment Manager to Birla Sun Life Mutual Fund), a joint venture between the Aditya Birla Group and Sun Life Financial Inc. of Canada. Since its inception in 1994, Birla Sun Life Mutual Fund has emerged as one of India's leading mutual funds with over Rs. 31,900 Cr. of average assets under management, and over 21 lacs investors, as of 30th Nov 2008. Call 1-800-270-7000 (toll-free) | Visit www.birlasunlife.com sms GAIN 70963 to 53030 For more detail SMS ARN to 56767 Award methodology: CNBC TV18 Crisil Mutual Fund House of the Year: Birla Sun Life Mutual Fund, Category - Mutual Fund House of the Year, out of 26 Fund houses. Fund Houses winning at least two awards for their schemes in the category level awards for 2007 were considered for the award based on consistency of fund house's performance across various scheme categories in the four quarterly CRISIL CPR rankings released during the calendar year 2007. The individual CRISIL CPR ranks for their schemes were aggregated on a weighted average basis to arrive at the final ranks for fund houses. Detailed methodology available at www.crisil.com. Lipper Ranking: Birla Sun Life Tax Relief '96 (BSLTR'96): 3rd Rank (Top Performing Equity funds in the world) - 10 yr performance (1997 - 2007), Equity Funds, No. of Schemes: 6302. BSLTR’96 has been ranked 3rd among the top 100 equity funds in the world on the basis of Consistent Return (Effective Return) value. Entry / Exit load not considered. Ranking source: Lipper - A Reuter Co. Past performance is no guarantee of future results. Disclaimers: Investors are requested to refer to the complete terms and conditions for Yearly SIP with Critical Illness Insurance before availing the same. Regular Investment without Critical Illness Insurance also available. BSLAMC reserves a right to modify / terminate the said Group Critical Illness Insurance on a prospective basis for new as well as for existing customers, with a notice of 30 days. Statutory Details: Constitution: Birla Sun Life Mutual Fund has been set up as a Trust under the Indian Trust Act, 1882. Sponsors: Aditya Birla Nuvo Limited & Sun Life (India) AMC Investments Inc [liability restricted to seed corpus of Rs. 1 Lac]. Trustee: Birla Sun Life Trustee Company Pvt. Ltd. Investment Manager: Birla Sun Life Asset Management Company Ltd. Scheme Classification, Objective and Load Structure: Birla Sun Life Tax Relief ’96: (An Open ended Equity Linked Savings Scheme) with a lock in of 3 yrs from date of allotment with the objective of long term growth of capital through a portfolio with a target allocation of 80% equity, 20% debt and money market securities. Load Structure (Incl. SIP transactions) Entry Load: For Purchase / Switch-in of units less than Rs. 5 crores in value: 2.25%. For Purchase / Switch-in of units equal to or greater than Rs. 5 crores in value: Nil. For Direct Applications: Nil. Exit Load: Nil. Load Structure for Yearly SIP with Critical Illness Insurance: Entry Load: For Purchase of units under Yearly SIP with Critical Illness Insurance: 2.50% of the applicable NAV. For Direct Applications: Nil. Exit Load: Nil. Risk Factors: Mutual Funds & securities investments are subject to market risks & there can be no assurance or guarantee that the objective of the Scheme will be achieved. As with any investment in securities, the NAV of the Units issued under the Scheme may go up or down depending on the various factors & forces affecting capital markets & money markets. Past performance of the Sponsor / Investment Manager / Mutual Fund does not indicate the future performance of the Scheme & may not necessarily provide a basis of comparison with other investments. The name of the Scheme does not, in any manner, indicate either the quality of the Scheme or its future prospects or returns. Unitholders in the Scheme are not being offered any guaranteed/assured returns. The Group Critical Illness Insurance will be governed by the terms, conditions and exclusions of the insurance policy with the relevant Insurance Company as determined by the Birla Sun Life Asset Management Co. Ltd.. Insurance is subject matter of solicitation. For further Scheme Specific Risk Factors & other details please read the Offer Document available at Investor Service Centres and with Distributors carefully before investing. Application Form ARN 70963 ARn- 35254 ARN-35452 ARN No. Refer Terms & Conditions No. 6 Application No. Sub Broker Name / No. Collection Centre 1. SELECT YOUR INVESTMENT OPTION [Please tick ( )] with a Now fit Bene New Yearly SIP with Critical Illness Insurance Lumpsum (One Time) Investment • Eligibility: For all Ages • Minimum Application Amt: Rs. 500 /- • Insurance Cover: NO Existing Investors Please Fill In Your Folio No. Applicable details and Mode of holding will be as per the FOLIO NO. existing Folio No. • Eligibility: Ages 18 - 45 years • Minimum Application Amt: Rs. 10,000/• Installment Frequency: Yearly (Through ECS Only) • Insurance Cover: Upto 10 times of yearly installment against select critical illnesses upto 55 yrs Please fill the Good Health Declaration Section & SIP Application Form else the application will be rejected. Make sure you read the Terms & Conditions for Yearly SIP with Critical Illness Insurance attached with this form. Birla Sun Life Tax Relief ‘96 Growth Dividend Birla Sun Life Tax Plan Birla Sun Life Tax Relief ‘96 Growth Dividend Payout Sweep to Default option is Dividend Payout Reinvestment Refer Instruction No. 6 Payout Sweep to Default option is Dividend Payout Reinvestment (not available for Birla Sun Life Tax Plan) Refer Instruction No. 6 2. UNIT HOLDER INFORMATION NAME OF FIRST / SOLE APPLICANT Mr. Ms. M/s. NAME OF SECOND APPLICANT Mr. Ms. M/s. (Refer Terms & Conditions No. 1) Fresh / New Investors & existing investors opting for Yearly SIP with Critical Illness Insurance are required to fill in all the blocks. (2 to 11) Mandatory Date of Birth D D M M Y Y Y Y MODE OF HOLDING [Please tick ( )] NAME OF THIRD APPLICANT Mr. Ms. M/s. Single Joint Anyone or Survivor (Default option is Anyone or survivor) NAME OF THE GUARDIAN (In case of minor) / PoA HOLDER (In case of Non-individual Investors) Mr. Ms. M/s. MAILING ADDRESS OF FIRST / SOLE APPLICANT (P .O.Box Address is not sufficient. Please provide full address.) (Indian Address in case of NRIs/PIOs) CITY STATE PIN CODE CONTACT DETAILS OF FIRST / SOLE APPLICANT ISD Code Mobile E-Mail (Refer Instruction No. 4) Telephone: Off. S T D - Telephone: Resi S T D Yes - Online access** (this enables you to access your investment portfolio through our website - www.birlasunlife.com) No [Please tick ( )] Overseas Address (For NRIs/PIOs) (In case the same is different from the mailing Address) CITY COUNTRY STATE PIN CODE 3. MANDATORY [Please tick ( APPLICANT DETAILS FIRST APPLICANT SECOND APPLICANT THIRD APPLICANT GUARDIAN / POA HOLDER )] Refer Terms & Conditions No. 1, 2 & 5 PAN *Please attach proof Know Your Client (KYC) Proof Proof Proof Proof KYC Complied Proof KYC Complied Proof KYC Complied Proof KYC Complied Proof STATUS Resident Individual NRI PIO HUF (Not eligible for Yearly SIP with Critical Illness Insurance) 4. OCCUPATION Professional Housewife Business Service Retired Student Others (Please Specify) 5. COMMUNICATION [Please tick ( )] Refer Instruction No. 4 I/We wish to receive the following document(s) via email Account Statement Annual Report Other Statutory Information ------------------------------------------------ ACKNOWLEDGEMENT SLIP (To be filled in by the Investor) Application No. Birla Sun Life Asset Management Company Limited Ahura Centre, 2nd Floor, Tower ‘A’, 96/A-D, Mahakali Caves Road, Andheri (E), Mumbai–400 093 Tel.: 022-66928000 Toll Free : 1800-22-7000 (MTNL / BSNL) / 1800-270-7000 | sms ‘GAIN’ to 56767 | connect@birlasunlife.com Collection Centre / AMC Stamp & Signature Received from Mr. / Ms. ____________________________________________________________________________ Date : _____/_____/___________ [Please tick ( ) if enclosed] PAN Proof KYC Complied Proof Date of Birth (Applicable for Yearly SIP with Critical Illness Insurance) 6. PAYMENT DETAILS Mode ofPayment Refer Instruction No. 5. (PleasementiontheapplicationSerialnumberandthefirstapplicant'snameonthereverseoftheCheque/DD.PleaseensurethereisonlyoneCheque /DDissubmittedperapplicationform). [Please tick ( )] # Cheque DD Cheque/ DDshould bedrawnfavouring"SchemeName" DD Charges (Rs.)* Net Amount (Rs.) Investment Amount (Rs.) Cheque/DD No. # Dated D D M M Y Y Bank Name & Branch Minimum Application amount: For Yearly SIP with Critical Illness Insurance = Rs. 10,000. For Lumpsum (One Time) Investment = Rs. 500. Additional Purchase = Rs. 500. *To be filled in by investors residing at the location, where the AMC Branches /Collection Bank centres are not located. 7. BANK ACCOUNT DETAILS (Please note that as per SEBI Regulations it is mandatory for investors to provide their bank account details) Refer Terms & Conditions No. 2 Name of the Bank Branch Address City Account No. Account Type [Please tick ( )] MICR CODE Pin Code This is a 9 digit number next to your Cheque Number. SAVINGS CURRENT NRE NRO OTHERS (please specify) 8. REDEMPTION / DIVIDEND REMITTANCE Refer Instruction No. 3 DIRECT CREDIT AVAILABLE IN BANK ACCOUNT Unitholders having bank account with ABN AMRO Bank, Citibank, Deutsche Bank, HDFC Bank, HSBC Bank, ICICI Bank, IDBI Bank, Standard Chartered Bank, Axis Bank, Kotak Mahindra Bank & Yes Bank will receive their Redemption / Dividend Payments (if any) directly into their bank account. In case Unitholders wish to receive a cheque (instead of a direct credit into their bank account), please indicate the preference below: I/We want to receive the redemption and dividend proceeds (if any) by way of a cheque. [Please tick ( )] REAL TIME GROSS SETTLEMENT (RTGS) (FOR REDEMPTIONS ONLY) I/We request you to activate Real Time Gross Settlement (RTGS) facility for my folio and remit the redemption proceeds through RTGS (Refer Instruction No. 8) [Please tick ( )] Yes No (If Yes, please fill the IFSC Code) IFSC CODE It is the responsibility of the Investor to ensure the correctness of the IFSC code of the recipient / destination branch corresponding to the Bank details mentioned in Section 7. Yes No ELECTRONIC CLEARING SERVICE (ECS) (FOR DIVIDENDS ONLY) I authorise Birla Sun Life Mutual Fund to credit my dividend payments through ECS [Please tick ( )] Yes No GOOD HEALTH DECLARATION (MANDATORY FOR YEARLY SIP WITH CRITICAL ILLNESS INSURANCE) 9. DECLARATION OF GOOD HEALTH (All the fields are mandatory if opting for critical Illness Insurance) [Please tick ( )] (Refer Instruction No. 7 & Point 7 of the Terms & Conditions for Yearly SIP with Critical Illness Insurance) I understand that no benefit under the policy shall be payable for the 9 Covered Critical Illnesses (mentioned in Point 7 of the Terms & Conditions for Yearly SIP with Critical Illness Insurance) or procedures which result due to any pre-existing illness or symptoms. I also confirm that I have not been diagnosed of / undergone / suffering from / have symptoms of the 9 critical illness / procedures (mentioned in Point 7 of the Terms & Conditions for Yearly SIP with Critical Illness Insurance). I understand & agree that no benefit under the policy shall be payable for any critical illness event or procedure which results due to any pre-existing illness or symptom or which is diagnosed within 90 days of policy inception day. The Insurance cover is also subject to a survival period of 30 days. I suffer from the following disease(s).______________________________________________________________________________________________________________________________ Date of Birth Gender D D M Male M Y Y Y Y Signature of First Applicant Date Place D D M M Y Y Y Y Female 10. NOMINATION DETAILS (Refer Instruction No. 2) In case of multiple nominees - more than 1 up to 3 - fill a separate nomination form available on our website (www.birlasunlife.com) or any of Birla Sun Life Mutual Fund branches I/We do hereby nominate the undermentioned Nominee to receive the units to my / our credit in this folio no. in the event of my / our death. I / We also understand that all payments and settlements made to such Nominee (upon such documentation) shall be a valid discharge by the AMC / Mutual Fund / Trustees. Nominee Name : _________________________________________________________________________________________________________ Relationship : ____________________________ Guardian / Parent Name (in case of minor): _______________________________________________ Address : _______________________________________________________________________________________________________________ Witness Name: ___________________________________________________________ Address : ______________________________________ _______________________________________________________________________________________________________________________ Signat re of Nominee or Parent / Guardi n u a Date Of Birth (in case of minor): ___ / ___ / ________ I have attached the nomination details separately with this application form (Please tick if applicable) Signature of the Witness 11. DECLARATION(S) & SIGNATURE(S) (Refer Instruction No. 1) To, The Trustee, Date D D M M Y Y Y Y Birla Sun Life Mutual Fund Having read and understood the contents of the Offer Document / Statement of Additional Information / Scheme Information Document of the Scheme, I/We hereby apply for units of the scheme and agree to abide by the terms, conditions, rules and regulations governing the scheme. I/We hereby declare that the amount invested in the scheme is through legitimate sources only and does not involve and is not designed for the purpose of the contravention of any Act, Rules, Regulations, Notifications or Directions of the provisions of the Income Tax Act, Anti Money Laundering Laws, Anti Corruption Laws or any other applicable laws enacted by the government of India from time to time. I/We have understood the details of the scheme & I/we have not received nor have been induced by any rebate or gifts, directly or indirectly in making this investment. For NRIs only: I/We confirm that I am/we are Non Residents of Indian Nationality/Origin and that I/we have remitted funds from abroad through approved banking channels or from funds in my/our Non-Resident External /Non-Resident Ordinary. (Refer Terms & Conditions No. 3) I/We confirm that details provided by me/us are true and correct. **I have voluntarily subscribed to the on-line access for transacting through the internet facility provided by Birla Sun Life Asset Management Company Ltd. (Investment Manager of Birla Sun Life Mutual Fund) and confirm of having read, understood and agree to abide the terms and conditions for availing of the internet facility more particularly mentioned on the website www.birlasunlife.com and hereby undertake to be bound by the same. I further undertake to discharge the obligations cast on me and shall not at any time deny or repudiate the on-line transactions effected by me and I shall be solely liable for all the costs and consequences thereof. Signature First Applicant / Authorised Signatory Second Applicant Third Applicant Yearly SIP with Critical Illness Insurance Lump Sum (One Time) Investment Birla Sun Life Tax Relief ‘96 Birla Sun Life Tax Plan Default option is Dividend Payout Growth Growth Dividend Dividend Payout Payout Reinvestment Sweep to Sweep to Refer Instruction No. 6 Refer Instruction No. 6 Application of Amount Rs. __________________ Cheque / DD No. ____________________ Dated ______/______/_________ Drawn on bank __________________________________________________ Please Note : All Purchases are subject to realisation of cheque. SIP Application Form - Yearly SIP with Critical Illness Insurance SIP THROUGH ECS / AUTO DEBIT FACILITY FORM (SIP Application to be submitted with Main Application Form. Please attach a copy of cancelled cheque) Application No. ARN 70963 ARN-35452 ARN - 35254 Refer Terms & Conditions No. 6 ARN No. Sub Broker Name / No. Collection Centre 1. APPLICANT INFORMATION NAME OF FIRST / SOLE APPLICANT Mr. Ms. M/s. (Refer Terms & Conditions No. 2) PAN* (Mandatory for investors) 2. SIP INVESTMENT DETAILS [Please tick ( )] Yearly SIP with Critical Illness Insurance • Eligibility: Ages 18 - 45 years • Minimum Application Amt: Rs. 10,000/• Insurance Cover: Upto 10 times of yearly installment against select critical illnesses upto 55 years • Installment Frequency: Yearly (Through ECS Only) Please fill the Good Health Declaration Section & SIP Application Form else the application will be rejected. Make sure you read the Terms & Conditions for Yearly SIP with Critical Illness Insurance attached with this form. Tenure 55 yrs Your Current Age yrs yrs Period of enrolment From Y Y Y Y To Y Y Y Y E.g. Your Current completed age is 30 years, then your Yearly SIP Tenure (inclusive of 1st installment) would be 55 years - 30 years = 25 years. The Yearly installment (ECS) will be debited on the 3rd day of the month in which the investment is made from next year Birla Sun Life Tax Relief ‘96 Default option is Dividend Payout Growth Dividend Payout Reinvestment Sweep to Refer Instruction No. 6 Payment Details (Cheque should be drawn on same bank as mentioned in ECS Debit Bank Account details in section 4 ) First Installment has to be through Cheque/DD Cheque/DD No. Cheque/DD Dated D D M M Y Y Y Y Amount (Rs.) 3. DECLARATION(S) & SIGNATURE(S) I/We hereby declare that the particulars given above are correct and express my / our willingness to make payments referred above through participation in ECS / Direct Debit Facility. If the transaction is delayed or not effected at all for reasons of incomplete or incorrect information, I/We would not hold Birla Sun Life Asset Management Company Ltd. (Investment Manager to Birla Sun Life Mutual Fund), their appointed service providers or representatives responsible. I/We will also inform Birla Sun Life Asset Management Company Ltd., about any changes in my / our bank account. I/We have read and agreed to the terms and conditions mentioned overleaf. To, The Trustee, Birla Sun Life Mutual Fund Having read and understood the contents of the Offer Document / Statement of Additional Information / Scheme Information Document of the Scheme, I/We hereby apply for units of the scheme and agree to abide by the terms, conditions, rules and regulations governing the scheme. I/We hereby declare that the amount invested in the scheme is through legitimate sources only and does not involve and is not designed for the purpose of the contravention of any Act, Rules, Regulations, Notifications or Directions of the provisions of the Income Tax Act, Anti Money Laundering Laws, Anti Corruption Laws or any other applicable laws enacted by the government of India from time to time. I/We have understood the details of the scheme & I/we have not received nor have been induced by any rebate or gifts, directly or indirectly in making this investment. For NRIs only: I/We confirm that I am/we are Non Residents of Indian Nationality/Origin and that I/we have remitted funds from abroad through approved banking channels or from funds in my/our Non-Resident External /Non-Resident Ordinary. (Refer Terms & Conditions No. 3). I/We confirm that details provided by me/us are true and correct. DATE D D M M Y Y Y Y SIGNATURE/S First / Sole Applicant Second Applicant Third Applicant 4. ECS DEBIT BANK ACCOUNT DETAILS (MANDATORY) I / We hereby authorise Birla Sun Life Asset Management Company Ltd., Investment Manager to Birla Sun Life Mutual Fund acting through their authorised service providers to debit my /our following bank a/c by ECS (Debit Clearing) / Direct Debit Facility or any other facility for collection of SIP payments. Name of A/c Holder as in Bank Records Name of the Bank Branch Address City Account No. Account Type Pin Code Amount (Rs.) MICR CODE Savings Current NRE NRO Others Above amount should be equal to your first installment amount This is a 9 digit number next to your Cheque Number. Please attach an (please specify) extra blank cancelled cheque or a clear photocopy of a cheque 5. AUTHORISATION OF THE BANK ACCOUNT HOLDER [to be signed by the Account Holder(s)] This is to inform I/We have registered for the RBI's Electronic Clearing Service (Debit Clearing) / Direct Debit Facility and that my / our payment towards my / our investment in Birla Sun Life Mutual Fund shall be made from my / our below mentioned bank account number with your bank. I / We authorise Birla Sun Life Asset Management Company Ltd. (Investment Manager to Birla Sun Life Mutual Fund), acting through their service providers and representative carrying this ECS mandate / Direct Debit Facility Form to get it verified & executed. Mandatory verification charges, if any, may be charged to my / our account. (To be signed by All Applicants if mode of operation is Joint) (As in Bank Records) Account Number (Should be same as mentioned in Section 4) SIGNATURE/S First / Sole Applicant Second Applicant Third Applicant Signature verified & debit mandate received £ No Yes £ Authorization of Branch Manager and Date ------------------------------------------------ SIP ACKNOWLEDGEMENT SLIP (To be filled in by the Investor) Application No. Birla Sun Life Asset Management Company Limited Ahura Centre, 2nd Floor, Tower ‘A’, 96/A-D, Mahakali Caves Road, Andheri (E), Mumbai–400 093 Tel.: 022-66928000 Toll Free : 1800-22-7000 (MTNL / BSNL) / 1800-270-7000 | sms ‘GAIN’ to 56767 | connect@birlasunlife.com Collection Centre / AMC Stamp & Signature Received from Mr. / Ms. ____________________________________________________________________________ Date : _____/_____/___________ [Please tick ( ) if enclosed] PAN Proof Instructions For Filling Application Form 1. GENERAL INSTRUCTIONS i) Please read the terms of the Key Information Memorandum and the Offer Document carefully before filling the Application Form. Investors should also apprise themselves of the prevailing Load structure on the date of submitting the Application Form. Investors are deemed to have accepted the terms subject to which this offer is being made and bind themselves to the terms upon signing the Application Form and tendering payment. ii) Application form should be completed in English and in BLOCK LETTERS. Please tick in the appropriate boxes wherever applicable. iii) The signature should be in English or in any of the Indian languages specified in the eighth schedule of the Constitution of India. Thumb Impressions must be attested by a magistrate or a notary public or a special executive magistrate under his/her official seal. Applications by minors should be signed by the guardians. In case of H. U. F., the Karta should sign on behalf of the H. U. F. iv) The application complete in all respects along with the cheque / demand draft, SIP form and cancelled cheque must be submitted to the nearest designated Investor Service Centre / BSLAMC branches. Applications incomplete in any respect or not accompanied by cheque or demand draft of the amount payable are liable to be rejected and the money paid will be refunded without interest. v) No receipt will be issued for the application money. The designated Investors Service Centre will stamp and return the acknowledgment slip in the application form, to acknowledge receipt of the application. vi) All cheques and bank drafts must be drawn in favour of “Scheme Name” and crossed “Account Payee Only”. A separate cheque or bank draft must accompany each application /each Scheme. NOMINATION i) Unit holder can nominate (in the manner prescribed under the SEBI Regulations), maximum upto 3 person(s) in whom the Units held by him/her shall vest in the event of his/her death. It shall be mandatory to indicate clearly the percentage of allocation / share in favour of each of the nominees against their name and such allocation / share should be in whole numbers without any decimals making a total of 100 percent. In the event of the Unitholders not indicating the percentage of allocation / share for each of the nominees, the AMCs, by invoking default option shall settle the claim equally amongst all the nominees. ii) The nomination can be made only by individuals applying for / holding units on their own behalf singly or jointly in favour of one or more persons. If the units are held jointly, all joint holders will sign the nomination form. iii) A minor can be nominated and in that event, the name and address of the guardian of the minor nominee shall be provided by the unit holder. iv) Nomination can also be in favour of the Central Government, State Government, a local authority, any person designated by virtue of these offices or a religious or charitable trust. v) The Nominee shall not be a trust, society, body corporate, partnership firm, Karta of Hindu Undivided Family or a Power of Attorney holder. A non-resident Indian can be a Nominee subject to the exchange controls in force, from time to time. vi) Nomination in respect of the units stands rescinded upon the transfer of units. vii) Transfer of units in favour of a Nominee shall be valid discharge by the Asset Management Company against the legal heir. viii) The cancellation of nomination / Change of Nominee can be made only by those individuals who hold units on their own behalf singly or jointly and who made the original nomination. ix) On cancellation of the nomination, the nomination shall stand rescinded and the Asset Management Company shall not be under any obligation to transfer the units in favour of the Nominee. DIRECT CREDIT OF REDEMPTION/DIVIDEND The Mutual Fund has an arrangement with select banks to enable direct credit of redemption / dividend proceeds into the bank account of the respective investors who have an account with any of these banks. This facility as a mode of payment is faster& safer (attach a copy of cancelled cheque). The potential risk of loss of instruments in transit through courier / post in also eliminated. In case the bank account as communicated by the Unit holder is with any of the select banks, the Mutual Fund shall automatically extend this facility to the Unit holders. If the remittance is delayed or not effected for reasons of incomplete or incorrect information, Mutual Fund cannot be held responsible. The Mutual Fund, however, reserves the right to issue a cheque / demand draft inspite of an investor opting for Direct Credit. However ,if the Unit holders are not keen on availing of the facility and prefer receiving cheques / demand drafts, may indicate so on the application form. The Mutual Fund would then effect the payouts by cheque / demand draft. The list of Banks include ABN Amro Bank, Citibank, Deutsche Bank, HDFC Bank, HSBC, ICICI Bank, IDBI Bank, Standard Chartered Bank, Kotak Mahindra Bank, Axis Bank, Yes Bank which are subject to change from time to time 4. COMMUNICATION Account Statements, Quarterly Newsletter, Annual Reports and Transaction Confirmation can be sent to Unit holders by post / email. Should the Unit holder experience any difficulty in accessing in the electronically delivered documents, the unit holder shall promptly inform the same to the Mutual Fund. It is deemed that the Unit holder is aware of all security risks including possible third party interception of the documents and contents of the documents becoming known to third parties. MODE OF PAYMENT i) Yearly instalment for ELSS with critical Illness Insurance can be through ECS only. PDCs will not be allowed. First installment should be paid by Cheque or DD. Incase of DD, investor should provide a cancelled cheque. ii) Resident investors may make payment by cheque payable locally in the city where the application form is submitted at the local Birla Sun Life Asset Management Company Ltd. (BSLAMC) Offices / Authorised Collection Centres. iii) The cheque should be drawn on any bank which is situated at and is a member/sub member of the bankers clearing house. Cheque drawn on the bank not participating in the clearing house will not be accepted. iv) Payment through Stock invest, outstation cheques / Non – MICR cheques and cash will not be accepted. v) Investors residing in Centres, where the Collection Centres of the mutual fund are not located, are requested to make payment by demand drafts payable at the Centre where the application is to be lodged. DD charges would be borne by the BSLAMC only for the investors residing at places which are not covered by our offices / authorised centres. The maximum charges so borne by the BSLAMC would be restricted to limits as prescribed by State Bank of India. DIVIDEND SWEEP FACILITY Under this facility the Unitholders can opt for switching the dividend earned under the Scheme into any other Open-ended Equity Scheme of Birla Sun Life Mutual Fund. Accordingly, dividend earned by the Unitholders shall be automatically switched either into any other Open-ended Equity Scheme of Birla Sun Life Mutual Fund as opted by the Unitholder. The dividend (net of applicable TDS, if any) shall be switched subject to minimum investment eligibility requirements of the Opted Scheme at applicable NAV based prices (ex-dividend NAV, if the opted Scheme has a record date on the date of exercise of sweep facility) without any entry load. This facility shall be processed on the record date of the dividend declared under the Scheme. Further this facility shall not allow for switch of partial dividend or switch of dividend to multiple schemes. GOOD HEALTH DECLARATION Good Health Declaration Section 9 in application form is mandatory & needs to be filled up completely else the Application for Yearly SIP with Critical Illness Insurance will be rejected. REAL TIME GROSS SETTLEMENT (RTGS) Funds Transfer shall be effected only if the recipient/destination Bank/Branch is participating in RTGS. It is the responsibility of the Investor to ensure the correctness of the message especially the IFSC code of the recipient /destination branch & account number. The collecting bank as well as BSLMF will get valid discharge if the amount is credited to the account number mentioned in the Application even if the name of the Investor account holder differs. BSLMF shall not assume any liability or responsibility arising out of or made liable for any incorrect request or message. If the date of payment happens to be a holiday at the centre where the recipient branch is situated, the credit will be passed on to the Investor on next working day. BSLMF shall not be liable for delay in payments to the Investor if: i) Incorrect and insufficient details are provided. ii) If there is dislocation of work due to circumstances beyond the control of Remitting/Destination Banks including but not limited to circumstances like non-functioning of computer system, disruption of work due to natural calamities, strike, riot etc or Netware or internet problem or other causes beyond the control of the Branch/ bank resulting in disruption of communication, such cases will be settled on the next working day when RTGS is functioning properly. The Investor hereby agrees and undertakes that he is aware of all the RTGS rules set by RBI & to abide by all the rules, terms, conditions and administrative guidelines issued or which may be issued by the RBI or any other regulatory authorities applicable to the transactions relating to RTGS whether directly or/and indirectly. 5. 2. 6. 7. 8. 3. Terms & Conditions For Filling Application Form 1. INVESTOR PARTICULARS I) Name and address must be given in full. P Box address is not sufficient. In case of NRIs/ FII investors an overseas .O. address must be provided. ii) Name of Guardian must be mentioned if investments are being made on behalf of a minor. Date of birth is mandatory in case of minor. iii) In case of an application under Power of attorney or by a limited company, body corporate, registered society, trust or partnership, etc the relevant Power of attorney or the relevant resolution or authority to make the application as the case maybe, or duly notarised copy thereof, along with the Memorandum and Articles of Association/ Bye Laws must be lodged with the application form. Both the investor and the constituent Power of Attorney should necessarily sign the Power of Attorney. iv) Applicants can specify the mode of holding in the application form as “Single” or “Joint” or “Anyone or Survivor”. In the case of holding specified as “Joint”, redemption and all other request / transactions would have to be signed by all unit holders. However, in cases of holding specified as “Anyone or Survivor”, any one of the unit holders will have the power to make all necessary requests, without it being necessary for all the unit holders to sign. In the event the account has more than one registered unit holders and the mode of holding is not specified in the application form, the default option for holding would be considered to be “anyone or sur vivor”. However, in all cases, the proceeds of all dividend/redemption will be paid to the first named holder. All communications will also be sent to the first named holder. v) Investors should clearly indicate their preference of Plan/option on the application form. If no plan is selected in the application form, the investment will be deemed to be for the default option. vi) Where only uncertified photocopies of the documents are submitted / attached to the application form, the onus for authentication of the documents so submitted shall be on investors and the BSLAMC / MF will accept and act in good faith on uncertified / not properly authenticated documents submitted/attached with the application form. Submission of such documents by investors shall be full and final proof of the non individual investor’s authority to invest and the BSLAMC/MF shall not be liable under any circumstances for any defects in the documents so submitted. BANK AND PERMANENT ACCOUNT NUMBER DETAILS Bank Details: In order to protect the interest of investors from fraudulent encashment of cheques, the SEBI Regulations have made it mandatory for investors to mention in their application / Redemption request, the bank name and account number. PAN Details: It is compulsory for all investors to quote their Permanent Account Number (PAN) and submit copy of the PAN card issued by the Income Tax Department, irrespective of the amount of investment, while making an application for Purchase of Units. In case of joint applicants, PAN details of all holders should be submitted. In case the investor making the application is a minor, PAN details of the Guardian must be submitted. Investors residing in the state of Sikkim are exempt from the mandatory requirement of PAN proof submission, however sufficient documentary evidence shall have to be submitted to Birla Sun Life Mutual Fund for verifying that they are residents of State of Sikkim. NRI INVESTORS Repatriation basis: Payments by NRIs/FIIs may be made by way of Indian rupee drafts purchased abroad or out of funds held in NRE/FCNR account or by way of cheques drawn on non-resident external accounts payable at par and payable at the cities where the Investor Service Centres are located. In case of Indian rupee drafts purchased and subscriptions through NRIs / FCNR account, an account debit cer tificate from the bank issuing the draft confirming the debit should also be enclosed. Non Repatriation basis: NRIs investing on a non repatriable basis may do so by issuing cheques/ demand drafts drawn on NonResident Ordinary (NRO) account payable at the cities where the Investor Service Centres are located. 4. ELECTRONIC CLEARING SERVICE (ECS) ECS facility is available only in respect of dividend payments and not in the case of Redemption of Units. Investors who have opted for the ECS facility of RBI for dividend payment will receive a direct credit of the amount due to them in their notified account whenever the payment is made through ECS. The Mutual Fund will send a separate advice to the Unit holders informing them of the direct credit. It should be noted that while the Mutual Fund will make all efforts, there is no commitment that this facility will be made available to all desirous Investors. Applicants in cities not covered under ECS facility will receive dividend payments by cheques or demand drafts and the same will be mailed to the Unit holders. KNOW YOUR CUSTOMER (KYC) According to guidelines issued by SEBI under ‘The Prevention of Money Laundering Act, 2002, Mutual Funds are required to follow enhanced know your customer (KYC) norms. According to enhanced KYC norms, it is made compulsory for all investors to be KYC compliant while making an application for subscription of units, amounting to Rs. 50,000 and above, w.e.f. February 1, 2008. Birla Sun Life Asset Management Company has made arrangements with CDSL Ventures Limited (“CVL”), to process KYC compliance. Investors can visit branches of BSLAMC or may visit www.birlasunlife.com, www.amfiindia.com and www.cdslindia.com to know detailed procedure for KYC compliance. On submission of KYC application alongwith the prescribed documents “KYC Acknowledgement letter” will be issued by CVL to the applicant. Applications for subscriptions of value of Rs. 50,000 and above without a valid KYC compliance may be rejected. Provided further, where it is not possible to verify the KYC compliance status of the investor at the time of allotment of units, the BSLAMC shall verify the KYC compliance status of the investor within a reasonable time after the allotment of units. In the event of non compliance of KYC requirements, the BSLAMC reserves the right to freeze the folio of the investor(s) for any kind of transactions or affect mandatory redemption of unit holdings of the investors at the applicable NAV, subject to payment of exit load, if any and recovery of unamortized NFO expenses. Investors who have obtained MIN allotment letter by submitting the PAN copy are deemed to be KYC compliant. Investors should note that on completion of KYC Compliance all details of the investor in the Mutual Fund records will be replaced by the details as given in KYC Application Form by the investor to the CVL. Any change in this details like change of Name / Address / Status /Signature, etc. should be given by Investor directly to CVL in the prescribed manner. DIRECT APPLICATIONS Investors should ensure to write the word 'DIRECT' in the column 'ARN No' or 'Broker Code' in their applications for purchases/additional purchases/switches/fresh Systematic Investment Plans (SIP)/ fresh Systematic Transfer Plans (STP) in all such cases where applications are not routed through any distributor/agent/broker. In cases where unit holder uses a pre-printed transaction slip/application form where details in the 'ARN No' or 'Broker Code' column is already printed, unit holder should cancel the ARN No/ Broker Code, write 'DIRECT' in the said column. It should also be counter signed by the unit holder/ all joint holder(s). Transactions slips/application forms where the column under 'ARN No or 'Broker Code' is provided, has to be filled by the unit holder as 'DIRECT' for processing the same as Direct applications. Investors can submit their applications for purchases /additional purchases/ switches/fresh SIP/ fresh STP at any of the Official Point(s) of Acceptance of Birla Sun Life Mutual Fund. The list of Official Point(s) of Acceptance is available on the website of Birla Sun Life Mutual Fund (www.birlasunlife.com). APPLICATIONS NOT COMPLETE IN ANY RESPECT ARE LIABLE TO REJECTED THE AMOUNT OF FIRST PURCHASE AND INSTALLMENT SHOULD BE THE SAME, OTHERWISE APPLICATION SHALL BE REJECTED. 5. 2. 6. 3. 7. 8. ------------------------------------------------ Birla Sun Life Tax Relief ‘96 Default option is Dividend Payout Growth Dividend Payout Reinvestment Sweep to Refer Instruction No. 6 Tenure 55 yrs Your Current Age yrs yrs Period of enrolment From Y Y Y Y To Y Y Y Y E.g. Your Current completed age is 30 years, then your Yearly SIP Tenure (inclusive of 1st installment) would be 55 years - 30 years = 25 years. The Yearly installment (ECS) will be debited on the 3rd day of the month in which the investment is made from next year Terms & Conditions - Yearly SIP with Critical Illness Insurance Birla Sun Life Asset Management Company Ltd introduces Yearly SIP with Critical Illness Insurance under Birla Sun Life Tax Relief 96, open-ended equity linked savings scheme of Birla Sun Life Mutual Fund with a lock in of 3 years. Yearly SIP with Critical Illness Insurance facility gives the benefit of Critical Illness Insurance cover to the eligible investors. This facility shall be available as an add-on, optional feature w.e.f 4th December, 2008 1. Eligibility criteria: Only · individual investors, including Non Resident Indians, whose age is 18 years to 45 years, at the time of the first investment. Provided o Investors enroll for investments through Yearly Installment, in Birla Sun Life Tax Relief ‘96. o Investors fulfill specified conditions under his / her “Good Heath Declaration” and sign the document, also providing their Date of Birth & Gender at the specified places in the application form · of joint unitholders in the scheme, only the first unit holder would be eligible for the insurance. In case Age ·will be calculated as completed age as on last birthday. 2. Investment Amount in Yearly SIP with Critical Illness Insurance · Minimum: Rs. 10,000 per year · Maximum: No upper limit 3. Mode of Payment: ·Payment mode accepted will be ECS only. PDCs will not be allowed The ·ECS Debit will happen in the same month as the month of purchase each year. The ECS will be initiated on the 3rd of that The month. ·customer will have the option to change the ECS mandate, in case he would like to change the account from which the The debit needs to be carried out. However, this request needs to be submitted at least 30 days before the due date. · of non clearance of first purchase instrument, SIP will not be registered and no insurance will be provided. In case 4. Tenure of Yearly SIP with Critical Illness Insurance Tenure of the facility would be 55 Years less the current completed age of the investor. e.g. Eligible investor may avail of the Yearly SIP with Critical Illness Insurance for such period (in years) as may be remaining for the attainment of 55 years of age. Thus, for an investor at the age of 40 years, tenure of Yearly SIP with Critical Illness Insurance shall be a period of 15 years (inclusive of 1st installment) i.e. period remaining for the attainment of 55 years of age. 5. Load Structure: Load Structure under Yearly SIP with Critical Illness Insurance would be: Entry Load: Exit Load: 2.50% of the applicable NAV (NIL for Direct Applications) Nil 6) Stroke Any cerebrovascular incident producing neurological sequeale lasting more than 24 hours and including infarction of brain tissue, hemorrhage and embolisation from an extracranial source. Evidence of neurological deficit for at least 3 months has to be produced. 7) Paralysis Complete and permanent loss of function of two or more limbs as a result of accidental injury or disease of the brain or spinal cord. Permanent loss shall be deemed to have occurred if: a) The condition has persisted for at least 6 months from the date it was first suffered in spite of the Insured properly implementing all medical advice related to its cure, and b) A Doctor of a Central or State Government hospital confirms the condition is complete and permanent. 8) Heart Valve Replacement Surgery Surgical replacement of one or more heart valves with prosthetic valves. This includes the replacement of aortic, mitral, pulmonary or tricuspid valves with prosthetic valves due to stenosis or incompetence or a combination of these factors. Heart valve repair, valvulotomy and valvuloplasty are excluded. 9) End Stage Liver Disease End stage liver disease resulting in cirrhosis and evidenced by all of the following criteria: a) Permanent jaundice b) Ascites c) Encephalopathy d) Portal hypertension Liver disease secondary to alcohol or drug misuse is excluded. 8. Commencement of Insurance Cover: The Critical Illness cover will start one day after the allotment of units. However, pre-existing diseases and conditions diagnosed within the first 3 months from the inception date of the cover will not be covered. 9. Discontinuation of Critical Illness Insurance: The benefit will be withdrawn in any of the following events: · completion of 55 years of age. Upon · Discontinuation or failure of ECS Yearly Installment within 3 years from the date of first installment under Yearly SIP with Critical Illness Insurance · Redemption (fully or partly) or switch/STP (otherwise than as provided in Point 11) of units purchased under Yearly SIP with Critical Illness Insurance before the completion of the tenure · payment of Critical Illness Claim or if any claim is admitted by the insurance company Upon 10. Revival of Critical Illness Insurance 6. Group Critical Illness Insurance Amount of Critical Illness (CI) Insurance: If investment in the Yearly SIP with Critical Illness Insurance facility continues, the increasing insurance cover would be as follows ·1 ·4 Year : 2 times the Yearly installment Year : 5 times the Yearly installment ·2 · 5 onwards, till 55 years : 10 times the Yearly installment Year : 3 times the Yearly installment Year ·3 Year : 4 times the Yearly installment All the above mentioned limits are subject to maximum insurance cover of Rs. 10 Lac per investor across all plans/folios held by him. If Yearly SIP with Critical Illness Insurance installment discontinues, the insurance cover would be as follows: · Installment discontinues before 3 years : Insurance cover stops immediately Yearly · Installment discontinues after 3 years : Insurance cover equivalent to the value of units allotted under Yearly SIP Yearly with Critical Illness Insurance investment at the start of the each policy year, subject to a maximum of 10 times the Yearly installment or Rs. 10 Lac whichever is lower. This would also include the combined value of the equity schemes in the folio which have been switched / transferred into after the completion of the lock-in period. 7. Scope of Insurance First diagnosis or occurrence/undergoing of the below mentioned 9 critical illness, procedures Cancer Major Organ Transplant Heart Valve Replacement End stage Liver disease Paralysis Stroke Myocardial Infarction (Heart Attack) Coronary Artery by Pass Graft Surgery End Stage Renal Failure There shall be no provision for revival of critical illness insurance, once the insurance cover ceases as stated above. 11. Switch / STP After completion of lock-in period the customer is free to switch / transfer his funds to other open-ended Equity schemes of Birla Sun Life Mutual Fund within the same folio, subject to load that may be applicable at that time. However, in case of any redemption (partly or fully) or switch to a scheme other than an open-ended equity scheme, the Critical Illness Insurance shall stand cancelled. 12. Exclusions for Critical Illness Insurance: The Insurance Company shall not be liable or make any payment for any claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following: 1. Any Critical Illness existing or for which the Insured sought or received treatment Prior to the inception date of the cover 2. Any Critical Illness discovered or discoverable within 3 months of the inception date of this cover. 3. Incase of death within 30 days from the date of diagnosis. 4. Congenital external illness or defects or anomalies, intentional self-injury and the use or misuse of intoxication liquor or drugs. 5. Any sexually transmitted diseases or any condition directly or indirectly caused by or associated with Human T-Cell Lymphotropic Virus type III (III LB III) or Lymphadenopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind commonly referred to as AIDS. 6. Pregnancy and childbirth 7. Consequential losses of any kind. 8. War (declared or not), invasion, act of foreign enemy, hostilities, civil war, insurrection, rebellion, revolution, mutiny, military or usurped power, terrorism, riot, strike, lockout, military or popular uprising, civil commotion, martial law, loot, sack, pillage or any epidemic. 9. Nuclear weapons, materials, ionising radiation, contamination by radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel. 13. Other Terms and Conditions: · folio will be created in this facility even for existing customers. Other regular / fresh purchases will not be allowed A new in this folio, and they will be maintained separately. Consolidation of folios will not be allowed. ·Group Critical Illness Insurance will be governed by the terms, conditions and exclusions of the insurance policy The with the relevant Insurance Company as determined by BSLAMC. · of insurance cover to any individual member shall be discretionary on part of the Insurance Company. Grant · of death of the first unit holder after the 30 day survival period from the date of diagnosis of the covered critical In case Illness / procedure, his / her legal representatives may file a claim directly with the designated branch of the Insurance Company supported by all relevant documents as required by the Insurer and the payment of the claim may be made to the legal representatives by the insurance company. All insurance claims will be settled in India and shall be payable in Indian Rupees only. Settlement procedure will be as stipulated by the Insurance Company. Insurance claims will be directly settled by the Insurance Company. There will be only one insurance cover linked to unique investor. This offer from the Insurance Company (with whom BSLAMC ties up) is being brought to the investors of the Scheme by BSLAMC on a best effort basis. BSLAMC will not be responsible or liable for maintaining service levels and/or any delay in processing claims arising out of this facility. · any circumstances, the Mutual Fund, Trustees, BSLAMC, or their Directors, officers or employees shall not be Under liable for any claims (including but not limited to rejection of any claim, non-settlement, delays etc.) arising out of the insurance cover provided to the unit holder. The only remedy and / or recourse available to the investor under such circumstances is to claim the same from and against the insurance company. The Fund is bringing this offer to the investors of the Scheme only as an additional facility and is not acting as an agent for marketing/sales of insurance policies. · to what has been stated above, BSLAMC reserves a right to modify / terminate the said Group Critical Illness Subject Insurance on a prospective basis for new as well as for existing customers, with a notice of 30 days. BSLAMC also reserves the right to change the insurance company from time to time. While BSLAMC will endeavor for continuity of insurance benefits in the event of change in the insurance company, the same is not assured. The insurance benefits under such circumstances may substantially vary, including such exclusions / restrictions that may be specified under the fresh Insurance policy which may be obtained from other Insurance Company. · Charges of the insurance cover will be entirely borne by BSLAMC. · Investors opting for Yearly SIP with Critical Illness Insurance agree and confirm to have read, understood and accepted the Terms of Yearly SIP with Critical Illness Insurance. · All other terms & conditions will be as per insurance policy issued by the respective insurer to BSLAMC. · Insurance is subject matter of solicitation. Critical Illness shall mean one of the following suffered or undertaken by the insured : 1) Cancer A disease manifested by the presence of a malignant tumour characterized by the uncontrolled growth and spread of malignant cells, and the invasion of tissue. The term cancer also includes leukemia and malignant disease of the lymphatic system such as Hodgkin’s but excludes: a) All tumours which are histologically described as pre-malignant, non-invasive or carcinoma in situ. b) Any malignant tumour in the presence of any Human Immuno-deficiency virus. c) Any skin cancer other than invasive malignant melanoma (starting with Clark Level III) d) Prostate cancer stage I e) Hodgkin’s Disease stage I 2) Coronary Artery By Pass Graft Surgery The undergoing of open heart surgery to correct the narrowing or blockage of one or more coronary arteries with bypass grafts (excluding balloon angioplasty, or any other intra-arterial procedures), provided that: a) This is done on the advice of a Doctor, and b) Coronary angiographic evidence supporting the necessity of the surgery is provided to the Company. 3) Myocardial Infarction (Heart Attack) The death of a portion of heart muscle (Myocardium) as a result of inadequate blood supply to the relevant area. The diagnosis for the same must be evidenced by all of the following: 1. An episode of typical chest pain 2. New ECG charges 3. Elevation of infraction specific enzymes but excluding a) Non-STEMI with elevation of troponium 1 or T, and b) Angina or chest pain. 4) Kidney Failure End stage renal failure presenting as chronic irreversible failure of both the kidneys to function, as a result of which either regular renal dialysis (hemodialysis or peritoneal dialysis) or renal transplant is required to be taken, provided that: a) Evidence of end stage kidney disease is provided to the Company, and b) A doctor confirms the requirement for dialysis or transplantation. 5) Major Organ Transplant Receipt by way of transplant of a heart, liver, lung, pancreas, kidney or bone marrow as a result of chronic irreversible failure of the Insured’s own organs , provided that a) Evidence of end stage disease of the organ is provided to the Company, and b) A Doctor confirms the requirement for transplantation Key Information Memorandum 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, associate transactions, etc. investors should, before investment, refer to the Offer Document available free of cost at any of the Investor Service Centres or distributors or from the website: www.birlasunlife.com. The Scheme particulars have been prepared in accordance with Securities and Exchange Board of India (Mutual Funds) Regulations 1996, as amended till date, and filed with Securities and Exchange Board of India (SEBI). The units being offered for public subscription have not been approved or disapproved by SEBI, nor has SEBI certified the accuracy or adequacy of this KIM. This KIM is dated November 30, 2008. Name(s) of the Scheme(s) Type of Scheme Investment Objective Birla Sun Life Tax Plan An Open ended Equity Linked Savings Scheme(ELSS) (All investments in the scheme are subject to a lock-in period of 3 years from the date of allotment) The objective of the scheme is to achieve long term growth of capital along with income tax relief for investment. Types of Instruments Equity and Equity Linked Instruments Shor t term money market & other liquid instrument. Plans and Options Minimum Application Amount / Number of Units Despatch of Repurchase (Redemption) Request Benchmark Index Dividend Policy Dividend (Payout and Sweep option) & Growth Purchase (including switch-in) : Rs. 500/Additional Purchase (including switch-in) : Rs. 500/- Repurchase : Nil Within 10 working days of the receipt of the redemption request at the Official Points of Acceptance of Birla Sun Life Mutual Fund. BSE Sensex The Scheme may declare dividends at the discretion of the Trustee, subject to the availability of distributable surplus. Mr. Sanjay Chawla Birla Sun Life Trustee Company Private Limited Compounded annualised returns (%) as at November 30, 2008. Birla Sun Life Tax Plan - Dividend Returns BSL Tax Plan - Div (NAV: Rs. 32.34) BSE Sensex Inception - February 16, 1999 *Absolute Returns 180 160 140 100 Birla Sun Life Tax Relief ’96 An Open ended Equity Linked Savings Scheme (ELSS) (All investments in the scheme are subject to a lock-in period of 3 years from the date of allotment) An open-end equity linked savings scheme (ELSS) with the objective of long term growth of capital through a portfolio with a target allocation of 80% equity, 20% debt and money market securities. Types of Instruments Equity & Equity Related Debt & Money Markets Target Allocation 80% 20% Allocation Range 80% - 100% 0% - 20% Asset Allocation Pattern of the scheme Normal Allocation (% of Net Assets) At Least 80% Upto 20% Dividend (Payout, Reinvestment and Sweep option) & Growth Purchase (including switch-in) : Rs. 500/Additional Purchase (including switch-in) : Rs. 500/- Repurchase : Nil For availing Yearly SIP with Critical Illness Insurance: Minimum amount is Rs. 10,000/Within 10 working days of the receipt of the redemption request at the Official Points of Acceptance of Birla Sun Life Mutual Fund. BSE 200 The Scheme may declare dividends at the discretion of the Trustee, subject to the availability of distributable surplus. Mr. Ajay Garg Birla Sun Life Trustee Company Private Limited Compounded annualised returns (%) of Growth option as at November 30, 2008. Birla Sun Life Tax Relief '96 5 Years 14.76 12.49 Since Inception 20.44 10.76 Returns BSLTR ’96 Div (NAV : Rs. 41.17) BSE 200 Inception - March 29, 1996 *Absolute Returns 140 Name of the Fund Manager Name of the Trustee Company Performance of the scheme Compounded annualised returns 1 Year* -54.14 -52.15 3 Years -4.30 0.60 1 Year* -62.67 -55.63 3 Years -4.06 -2.00 5 Years 11.27 10.48 Since Inception 28.14 9.27 Note: Past performance may or may not be sustained in future. Note : Past per formance may or may not be sustained in future. Y wise Return (Financial Yr Apr-Mar) ear 154.04 Y wise Return (Financial Yr Apr-Mar) ear 131.05 120 104.26 120 100 80 60 40 20 0 14.49 19.56 6.57 15.89 39.84 16.14 40 24.68 23.99 20 11.64 10.2 7.43 18.27 80 82.36 62.82 60 81.83 83.38 73.73 2008-07 2007-06 2006-05 2005-04 BSE Sensex 2004-03 0 2008-07 2007-06 2006-05 Birla Sun Life Tax Relief 96 2005-04 BSE200 2004-03 BSL Tax Plan - Dividend Expenses of the Scheme (i) Load Structure Entry Load: (Including for SIP transactions): For Purchase / switch in of units less than Rs. 5 Crores in value: 2.25%. For Purchase / switch in of units equal to or greater than Rs. 5 Crores in value: NIL Exit Load: (Including for SIP Transaction): NIL Entry Load: (Including for SIP transactions): For Purchase / switch in of units less than Rs. 5 Crores in value: 2.25%. For Purchase / switch in of units equal to or greater than Rs. 5 Crores in value: NIL Exit Load: (Including for SIP Transaction): NIL For availing Yearly SIP with Critical Illness Insurance: Entry Load: For Purchase of units under Yearly SIP with Critical Illness Insurance: 2.50% of the applicable NAV Exit Load: Nil · No entry load shall be charged for Direct Applications. · No entry load is applicable for switches between the schemes under Equity fund family. · No entry load shall be charged on the units subscribed by any fund of funds scheme. · No exit load shall be charged on redemption by unitholders of units issued to them on Reinvestments of Dividends and units issued to unitholders as bonus units. · For STP facility and applicable load structure, please refer to instructions on STP in the offer document · The above load structure is subject to change. Please refer to the applicable load structure at the time of investing. (ii) Recurring expenses [% of Net Assets] First Rs. 100 crores : 2.50% Next Rs. 300 crores : 2.25% Next Rs. 300 crores : 2.00% Balance : 1.75% Actual expenses for the financial year ended March 31, 2008: 2.42% First Rs. 100 crores : 2.50% Next Rs. 300 crores : 2.25% Next Rs. 300 crores : 2.00% Balance : 1.75% Actual expenses for the financial year ended March 31, 2008: 2.24% Risk Profile of the scheme: Mutual Fund Units involve investment risks including the possible loss of principal. Please read the offer document carefully for details on risk factors before investment. Scheme specific Risk Factors are summarized: Risk associated with Investment in Equity Market: • The NAVs of schemes investing in equity will fluctuate as the daily prices of the individual securities in which they invest fluctuate and the units when redeemed may be worth more or less than their original cost. • The value of the schemes’ investments may be affected generally by factors affecting capital markets such as price and volume volatility in the stock markets, interest rates, currency exchange rates, foreign investment, changes in government policy, political, economic or other developments and closure of the stock exchanges. • Investment made in unlisted equity or equity-related securities may only be realizable upon listing of these securities. Settlement problems could cause the Schemes to miss certain investment opportunities. Further, Investment in the scheme may be subject to, but not limited to, risks associated with investing in Fixed income securities, such as price-risk or interest risk, credit risk, liquidity or marketability risk, reinvestment risk; risk associated with investments in securitised debt; risks associated with mortgage backed securities (MBS) - housing loans; risks associated with asset backed securities (ABS) - auto loans/corporate loans such as credit risk, prepayment risk, liquidity or marketability risk. The above are some of the common risks associated with investments in equity, fixed income, money market securities and securitised debt. There can be no assurance that a Scheme’s investment objective will be achieved, or that there will be no loss of capital. Investment results may vary substantially on a monthly, quarterly or annual basis. For complete details on the Scheme specific risk factors investors are requested to refer to Offer Document of the Scheme. Investors should ensure to write the word 'DIRECT' in the column 'ARN No' or 'Broker Code' in their applications, where applications are not routed through any distributor/agent/broker. In cases where unit holder uses a pre-printed transaction slip/application form where details in the 'ARN No' or 'Broker Code' column is already printed, unit holder should cancel the ARN No/ Broker Code, write 'DIRECT' in the said column. It should also be counter signed by the unit holder/ all joint holder(s). Transactions slips/application forms where the column under 'ARN No or 'Broker Code' is provided, has to be filled by the unit holder as 'DIRECT' for processing the same as Direct applications. Investors can submit their applications for subscription at any of the Collection Centres of the Mutual Fund. Investors are advised to refer to the details on Tax treatment in the Statement of Additional Information and also independently refer to his tax advisor. Waiver of Load for Direct Application: Tax treatment for the Investors (Unitholders): Applicable NAV • Applicable NAV for subscriptions/purchases including switch-in of Units for Schemes other than Liquid Schemes In respect of valid applications received upto 3:00 P 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. .M. In respect of valid applications received after 3:00 P 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. .M. Where the application is received with an outstation cheque or demand draft which is not payable on par at the place where it is received – closing NAV of day on which the cheque or demand draft is credited. • Applicable NAV for Redemptions including switch-out of Units for Schemes other than Liquid Schemes In respect of valid applications received upto 3:00 P by the Mutual Fund, same day’s closing NAV shall be applicable. .M. In respect of valid applications received after 3:00 P by the Mutual Fund, the closing NAV of the next business day shall be applicable. .M. Daily Net Asset Value (NAV) Publication For Investor Grievances please contact Registrar Unitholders' Information The NAV will be declared on all business days and will be published atleast in 2 newspapers. NAV can also be viewed www.birlasunlife.com and www.amfiindia.com. Investors can also call up at our toll free numbers 1- 800-22-7000 / 1-800-270-7000. Birla Sun Life Asset Management Company Limited, 2nd Floor, Tower A, Ahura Centre, Mahakali Caves, Road, Andheri (East), Mumbai - 400 093 Tel. : +91-22 66928000 Fax : +91-22 66928111; E-mail: connect@birlasunlife.com OR Any of the Investor Service Centres of Birla Sun Life Mutual Fund. Computer Age Management Services Pvt. Ltd. (CAMS), Unit: Birla Sun Life Mutual Fund, A & B Laxmi Bhawan, 609, Anna Salai, Chennai - 600 006. 1) Account Statements to the Unitholders invested under SIP/STP/SWP will be dispatched once in every quarter ending March, June, September and December, within 10 working days of the end of the respective quarter. 2) H o w e v e r, the first account statement under SIP/STP/SWP shall be issued within 10 working days of the initial investment. 3) In case of specific request received from investors, Funds shall provide the account statement to the investors within 5 working days from the receipt of such request without any charges. 4) Further, soft copy of the account statement shall be mailed to the investors under SIP/STP/SWP to their e-mail address on a monthly basis, if so mandated. 5) Account Statements to the unit holders who have not transacted during the last six months prior to the date of generation of account statements, may be generated and issued along with the Portfolio Statement or Annual Report of the scheme. Such Account Statement will reflect the latest closing balance and value of the units prior to the date of generation of the account statement. Further, soft copy of the account statements shall be mailed to the investors’ e-mail address, instead of physical statement, if so mandated.