Financial Profiling Form

(Individual / HUF / Sole Proprietorship / Partnership)

A GUIDE TO OUR SERVICES

1. We, DBS Bank India Limited (DBS), a banking company Incorporated in India, provide certain commissions / trailer fees / incentives) from product providers for marketing distributing &
services and market, distribute and refer certain third party products and services . referring or selling their products to you. We and our affiliates (including the directors and/or
2. The DBS Bank India Limited representative who has contacted you is authorised to shortlist employees) may also perform or seek to perform broking, investment banking and other
products for you from our list of product providers. financial services for the product providers.
3. We have contractual arrangements with various third party product providers. For the list 6. Reviews: We suggest you to review your financial objectives and situation on a regular basis
of such product providers, please contact your Relationship Manager/Service Manager. (at least annually) or when significant changes in your economic situation and/or personal
4. The information that you provide in this form will form the basis for us to shortlist investment circumstances warrant it. Please inform our representative to update your records to ensure we
products for your consideration. If you do not provide complete and accurate disclosures in have your updated information at all times.
the financial needs analysis process, any product that is short listed may not be appropriate for 7. If you have any queries after the transaction, you may contact:
your needs and financial situation. • Your Relationship Manager • Our Customer Service Manager
5. Disclosure of Interests: We may receive different fees, remuneration or benefits (including
BRANCH DETAILS
Branch Name: Date of Submission: D D M M Y Y
FIRST / SOLE APPLICANT
*Category Individual HUF Society Trust Club Association Others (Please specify)
Existing Account holders- CIF if any
*Salutation Mr Mrs Ms Dr Prof Others (Please specify)
*Name (Name as per bank record)
2nd APPLICANT
Existing Account holders- CIF if any
*Salutation Mr Mrs Ms Dr Prof Others (Please specify)
*Name (Name as per bank record)
3rd APPLICANT
Existing Account holders- CIF if any
*Salutation Mr Mrs Ms Dr Prof Others (Please specify)
*Name (Name as per bank record)
Risk Profiling Questionnaire Score Applicant 1 Applicant 2 Applicant 3
1 For the financial goal(s) addressed today, how long can you stay invested? Score A Score B Score A Score B Score A Score B Score A Score B
A. Less than 1 year 5 NA
B. 1 to less than 3 years 6 NA
C. 3 to 7 years 7 NA
D. More than 7 years 8 NA
2. What kind of instruments have you invested in before or are currently invested in? (you may select more than one)
A. - Savings Accounts
- Fixed Deposits NA NA
B. - Life Insurance
- General Insurance NA NA
C. Liquid/Money Market Funds
- Short Term Bonds
- Debt/Income Funds NA NA
- Capital Protection Oriented Funds
D. Equity Funds
Stocks NA NA
PMS
E. - Principal or Non Principal Protected Structures (e.g. Equity-linked Debentures)
- Currency/Interest Rate Futures Trading
- Commodities Trading NA NA
- Private Equity Funds
- Offshore Investment Products
F. Leveraged Investment Products NA NA
3 Which option below can accurately describe your investment knowledge and experience?
A. I have no investments or insurance knowledge or experience 5 NA
B. Minimal: I have limited knowledge or experience of investments or insurance. 6 NA
C. Moderate: I have knowledge or experience of any of the following: stocks, bond/debt funds, balanced funds 7 NA
D. Good: Apart from the products like stock, bond/debt funds, balanced funds, I have knowledge or experience of any
of the following: equity funds, fund of funds, PMS 8 NA
E. Extensive: Apart from the products like equity funds, fund of funds, PMS, I have knowledge or experience of any of
the following: private equity funds, principal and non principal protected structures, offshore investment products and 9 NA
leveraged investments, commodities/currency and interest rates futures.
4 How much average potential capital loss is acceptable to you in a negative return year?
Higher returns generally means taking on greater risk?
A 4% Minimal capital loss 0 20
B 10% Small capital loss 8 27
C 16% Moderate capital loss 11 32
D 36% High capital loss 14 37
E > 36% Significant capital loss 17 42
5 Taking into account my overall cash flow and net worth, I feel secure about my financial situation
over the next 12 months?
A I disagree 5 NA
B I somewhat agree 6 NA
C I agree 7 NA
D I strongly agree 9 NA
Total Score SUM A SUM B
Minimum of
Final Score SUM A & SUM B
Note: The Risk Profiling will be done on the owner of the funds. If there is more than one owner, the Risk Profiling may be done on any one of the owners, to be selected by you. (Please choose the right option above)
Please choose your Risk Profile based on the above responses
Risk Score Rang Risk Profile Description
15 to 24 - C1 Defensive - Your priority is protecting your capital and you are willing to accept minimal risks. In return, you understand that you may receive minimal or low returns.
- Your priority is to maintain your investment capital while seeking some investment returns.
25 to 29 - C2 Conservative - You would prefer to achieve limited returns higher than short-term deposit rates by investing in low risk-rated products which have simple structure are not
exposed to high volatility or low liquidity.
- Your goal is to obtain moderate investment returns, either through income or capital appreciation, and are willing to take on moderate investment risk
30 to 34 - C3 Moderate - You are willing to invest in moderately risk-rated products which are not exposed to high volatility or low liquidity.
- Your goal is to obtain higher investment returns, either through income or capital appreciation, and are willing to take on higher investment risk.
35 to 39 - C4 Balanced - You are willing to bear with more volatile returns, lower liquidity , and some risk of losing part of the principle investment.
- Your focus on maximizing investment returns opportunistically in an unconstrained manner, and you are willing to take on
high levels of investment risk to do so.
40 to 43 - C5 Dynamic
- You are comfortable with investing in complex or risk product with higher expected returns but also higher risk of loss, and you are prepared for volatile returns,
low liquidity, and the possibility of losing part or all of your capital.
Risk Profile Capping
Selection for RPQ4 Capped Risk Profile
Capping of overall Risk Profiling Questionnaire (RPQ) scoringas part of the overall 4% Minimal capital loss Capped at C1 - Defensive
evaluation of the client's risk profile, the responses selected by you for RPQ4 (relevance 10% Small capital loss Capped at C2 - Conservative
to average capital potential loss) may determine the overall outcome of the client's 16% Moderate capital loss Capped at C3 - Moderate
risk profile, against the overall score, whichever is lower, as follows: 36% High capital loss Capped at C4 - Balanced
> 36% Significant capital loss Capped at C5 - Dynamic
Who owns the funds of this investment? (you can select more than one) Applicant 1 Applicant 2 Applicant 3
Risk Profiling Questionnaire to be done on: Applicant 1 Applicant 2 Applicant 3
Purpose & Reason for opening the Account : Savings Growth Family Maintenance Other
Mode of Operations :
# Applicable for investment Single Joint Either or Survivor Former or survivor Anyone or Survivor
Household Relationship : Yes No If Yes, Relationship Name:
Financial Profiling Customer No.:

CLIENT'S DECLARATION & WARRANTY

Mandatory for all Clients: (To be completed by the client only)
I/We have completed the Financial Profiling Form myself/ourselves. For any question which may be unfamiliar to me/us, your representative has explained to me/us its meaning. OR
Your representative will complete the form on my/our behalf using information provided by me/us. I/We acknowledge that the completed form has been checked by me and is in
accordance with my/our response.
Mandatory for Joint Investments: (To be completed by the client only)
We____________________________ /__________________________ /__________________________declare that ____________________________/__________________________
/________________________is/are the Owner(s) of the Funds and confirm that the Financial Profiling has been done on the owner(s) of funds. We authorize any of the joint holder (s)
of the account to sign any transaction documents for and on behalf of us and we confirm that any such execution by any of the joint holder(s) shall bind us. We undertake that if the
joint holder signing the transaction form (signatory) has not been profiled, then the owner(s) of the funds will discuss the transaction with the signatory and authorize him/her to sign
the transaction form.
I/We request DBS Bank India Limited to undertake Financial Profiling services in the name(s) as mentioned in the form with the Bank on the terms and conditions set out hereinafter.
The financial profiling services are being undertaken for investing into various financial instruments. I/We understand and acknowledge that the value of the products is subject to
fluctuations and past performance may not be indication of the performance in future.
I/We acknowledge that I/we understand the following:
1. Before making a decision to invest in any investment product, I/We will ensure that I/We understand the features of the investment product(s), the benefits and risks
involved in investing in that product(s), and assess the suitability of the product(s) against my/our risk appetite, financial means and investment objectives.
Otherwise, I/we will not invest in the investment product(s). If I/We wish to do so nonetheless, I/we will ensure that I/we obtain relevant independent professional
advice on such matters as is appropriate before investing in such product(s).
2. I/We understand that DBS Bank India Limited has the absolute discretion to decline the sale, referral or distribution of any product to any person while DBS Bank India Limited has its
own internal guidelines relating to the sale, referral or distribution of products, investors should seek advice from their own financial adviser and assess the suitability of the product(s)
against their risk appetite, financial means and investment objectives before making any investment decision. Investors should not rely on DBS Bank India Limited internal guidelines
relating to the sale, referral or distribution as the basis, whether solely or otherwise, for their investment decision.
3. I/We confirm having read and understood and agree(s) to be bound by any amendments and additions to the terms and conditions as may be communicated by the Bank to the
Sole/First Applicant from time to time. In case of Joint Applicants, all the Applicants will be joint and severally bound by the Terms and Conditions.
4. I/We declare that all the details in relationship record of the Applicant(s) are true and correct and any instructions given to the Bank to transact business on behalf of the Applicant(s)
shall be in conformity with the applicable laws as maybe in force from time to time.
5. I/We will go through the products offered to me by the Bank and will consult any other professional if required before investing in the products short-listed by the
Bank. The Bank does not guarantee safety of capital or performance of the investments into the financial products with the Bank. The bank's financial profiling
process is only an advice to assist in my investments and does not result in any commitment on performance and returns of the financial products.
6. At the time of entering into specific transactions, I/We will go through the Bank’s website www.dbs.com/in for the updated commission structure payable to the
Bank by AMCs for different competing schemes of various Mutual Funds and by respective partners for Insurance Products/Other Referral Products offered by the
Bank. In addition, I/We understand that DBS Bank India Limited has a differentiated revenue sharing arrangement with its channel or referral or product partners for
the client referrals made to them.
7. For clients interested in purchase and sale of bonds, stocks and equity linked underlying in primary and/or secondary market, DBS Bank India Limited refers the clients to its referral
partner. DBS Bank India Limited does not take any responsibility for the product suitability and /or quality of bonds, stocks and/or securities bought by the client and/or advice provided
by its referral partners and the client should take Independent professional advice before making investments.
8. By signing below, I hereby apply for DBS Bank India Limited (Bank) Internet Banking Services as may be made available to me by the Bank from time to time. Further I acknowledge that
my use of the Internet Banking Services shall be governed by the Bank's prevailing Internet Banking Terms and Conditions (copies of which are available at any of the Bank's branches
in India and on the Bank's web-site at www.dbsbank.in) and I declare that I have read and fully understood the said terms and conditions and accept the same. I agree and understand
that the Bank reserves the right to reject any application for internet banking without providing any reason. I hereby instruct and authorize the Bank to mail / courier my internet
banking ID and Password (collectively "Security Codes") relating to my access to the Internet Banking Services to my address as per the Bank's records and I agree that the risk of non-
receipt and / or disclosure of the Security Codes to an unauthorized third party shall be fully borne by me. I confirm and agree that the Bank shall not be held responsible in any way for
any losses that may be suffered by me as a result of such non receipt or disclosure of the Security Codes to an unauthorized third party. I agree that in case I have multiple accounts
(where the mode of operation is single/either or survivor/anyone or survivor) maintained with the Bank, all such accounts shall be automatically linked to my User ID.
9. I/We am/are the beneficial owner(s) & ultimately own or have effective control of the above account.
10. I/We understand for the clients who are interested in availing Loan Against Securities (LAS), DBS Bank India Limited (Bank) refers such clients to third party product provider. I/We
hereby confirm that I/We are hereby approaching third party product provider for the LAS without any form of solicitation or inducement being exercised on me/us by DBS Bank India
Limited or its staff. I/We understand that DBS Bank India Limited does not take any responsibility for the advice provided by third party product provider and I/We will ensure to take
independent professional advice before availing this facility and also are aware that DBS Bank India Limited earns referral fees which is subject to change from time to time.
11. I/We hereby provide my/our consent for sharing my details mentioned above with Central KYC Registry. I hereby consent to receiving information from Central KYC Registry
through SMS/Email.

Signature Signature Signature

CIF 1 CIF 2 CIF 3 Date : D D M M Y Y

I had met with the above named applicant in-person and verified his/her identity & photograph and hereby certify that the applicant had signed above in
my presence. I understand the consequences of verification done by me.
RM Signature : RM Name : RM Code :
I am aware that this form has been competed by the Bank’s representative. I have checked the content of the form before signing.
 SELF CERTIFICATION ON USA CITIZENSHIP/ TAX RESIDENCY STATUS AND
COMMON REPORTING STANDARD*
INDIVIDUALS ONLY
1st Applicant
Tax Residency Status - USA (Please tick [ ] one of the boxes only) TAX RESIDENCY STATUS - INDIA AND COUNTRIES OTHER THAN USA
For US federal income tax purposes, I represent and warrant that: 2
I am a Tax Resident of India only.
2
I am a Tax Resident of India and ____________(Pls Specify)
I am not a US person1/ Tax Resident / Green Card Holder.
2 2
I am a Tax Resident of a country other than India and USA.
Please provide one of the following documents: Please provide one of the following documents: passport copy; Government issued identification
• copy of non-US passport; or • non-US government issued identification. Proof of residential address.
Additionally, if you were born in the US, please provide:
• copy of certificate of loss of nationality of the US or Country of Tax Residency 2 Tax Identification Number (TIN)3or equivalent
• reasonable explanation that you do not have such a certificate: If no TIN Available, enter Reason* & explanation
A, B or C

I am a US person1/ Tax Resident 2/ Green Card Holder. A B C

Please provide your US Taxpayer Identification Number (TIN) or Social
Security Number (SSN).

1
I confirm that I am no longer a US person
Please provide one of the following documents: A B C

• copy of non-US passport; or

• one of the following:
a) copy of certificate of loss of nationality of the US or
b) I-407 Form or
c) reasonable explanation that you do not have such a certificate:
A B C

2nd Applicant
Tax Residency Status - USA (Please tick [ ] one of the boxes only) TAX RESIDENCY STATUS - INDIA AND COUNTRIES OTHER THAN USA
For US federal income tax purposes, I represent and warrant that: 2
I am a Tax Resident of India only.
2
I am a Tax Resident of India and ____________(Pls Specify)
I am not a US person1/ Tax Resident / Green Card Holder.
2 2
I am a Tax Resident of a country other than India and USA.
Please provide one of the following documents: Please provide one of the following documents: passport copy; Government issued identification
• copy of non-US passport; or • non-US government issued identification. Proof of residential address.
Additionally, if you were born in the US, please provide:
• copy of certificate of loss of nationality of the US or Country of Tax Residency 2 Tax Identification Number (TIN)3or equivalent
• reasonable explanation that you do not have such a certificate: If no TIN Available, enter Reason* & explanation
A, B or C

1 2
I am a US person / Tax Resident / Green Card Holder. A B C
Please provide your US Taxpayer Identification Number (TIN) or Social
Security Number (SSN).

1
I confirm that I am no longer a US person
Please provide one of the following documents: A B C

• copy of non-US passport; or

• one of the following:
a) copy of certificate of loss of nationality of the US or
b) I-407 Form or
c) reasonable explanation that you do not have such a certificate:
A B C

3rd Applicant
Tax Residency Status - USA (Please tick [ ] one of the boxes only) TAX RESIDENCY STATUS - INDIA AND COUNTRIES OTHER THAN USA
For US federal income tax purposes, I represent and warrant that: 2
I am a Tax Resident of India only.
2
I am a Tax Resident of India and ____________(Pls Specify)
I am not a US person1/ Tax Resident / Green Card Holder.
2 2
I am a Tax Resident of a country other than India and USA.
Please provide one of the following documents: Please provide one of the following documents: passport copy; Government issued identification
• copy of non-US passport; or • non-US government issued identification. Proof of residential address.
Additionally, if you were born in the US, please provide:
• copy of certificate of loss of nationality of the US or Country of Tax Residency 2 Tax Identification Number (TIN)3or equivalent
• reasonable explanation that you do not have such a certificate: If no TIN Available, enter Reason* & explanation
A, B or C

I am a US person1/ Tax Resident 2/ Green Card Holder. A B C

Please provide your US Taxpayer Identification Number (TIN) or Social
Security Number (SSN).

1
I confirm that I am no longer a US person
Please provide one of the following documents: A B C

• copy of non-US passport; or

• one of the following:
a) copy of certificate of loss of nationality of the US or
b) I-407 Form or
c) reasonable explanation that you do not have such a certificate:
A B C

Customer Care (24x7): India Helpline (Toll Free) : 1800 209 4555 / 1800 103 9897,
International Helpline : +91-44-66854555 / +91-44-49021150
Email: customercareindia@dbs.com Visit us at: www.dbsbank.in
 NOTES
1
a) Definition of “US person” : A citizen or permanent resident of the United States (e.g. US Green Card holder or someone who meets the requirements to be considered a resident under the
'substantial presence test'); US corporations, partnerships, estates and trusts; Any other person that is not a foreign (i.e. non-US) person (as defined under US federal tax law).
b) 2Definition of “Tax Resident” Each jurisdiction has its own rules for defining tax residence, and jurisdictions have provided information on how to determine if you are resident in the jurisdiction
on the following website: http://www.oecd.org/tax/automatic-exchange/crs-implementation-and-assistance/tax-residency/#d.en.347760\ In general, you will find that tax residence is the
country/jurisdiction in which you live. Special circumstances may cause you to be resident elsewhere or resident in more than one country/jurisdiction at the same time (dual residency). For
more information on tax residence, please consult your tax adviser or the information at the OECD automatic exchange of information portal mentioned above.
c) 3A TIN is a unique combination of letters or numbers assigned by a jurisdiction to an individual & and is used to identify the individual for the purpose of administering tax laws of such jurisdiction.
d) *Reasons: A - I am resident of a country/jurisdiction which does not issue TIN to its residents. B - I am otherwise unable to obtain a TIN or equivalent number (Please explain why you are unable
to obtain a TIN in the above table if you have selected this reason). C - TIN is not required. (Note: To be selected only if the domestic law of the relevant jurisdiction does not require the collection
of the TIN issued by such jurisdiction.)

SELF CERTIFICATION

1. I certify that the information provided herein is true, complete and accurate. If any information herein changes or becomes inaccurate in any way, I shall immediately inform DBS Bank India
Limited (“DBS”) of such change or inaccuracy within 30 calendar days from the date I had knowledge of such change or inaccuracy. I undertake to promptly provide to DBS Bank India
Limited such other information, documents or evidence which DBS Bank India Limited may require in connection with such change.
2. I consent to the collection, use, disclosure and processing of my personal data by DBS Bank India Limited for the purposes of this Certification.
3. I consent to DBS Bank India Limited disclosing any information herein (including providing this Certification and details of accounts held by me) to any third party including any Indian or
overseas government authority for the purposes of confirming or investigating the content of this Certification.
4. For parent/guardian/trustee signing on behalf of a person under the age of 18 – I/We warrant that I/we have the legal right (whether under statute, court order, instrument or otherwise) to
sign this Certification, and have obtained that individual’s prior consent to such collection, use, disclosure and processing of his/her personal data by DBS Bank India Limited for the purposes
of this Certification. I/We consent on behalf of that individual to DBS Bank India Limited disclosure of his/her personal data in accordance with clause 3.
5. For person(s) signing on behalf of a mentally incapacitated person – I/We warrant that I/we have the legal right (whether under statute, court order, instrument or otherwise) to sign this
Certification, including consenting on behalf of that individual (i) to such collection, use, disclosure and processing of his/her personal data by DBS Bank India Limited for the purposes of this
Certification; and (ii) to DBS Bank India Limited disclosure of his/her personal data in accordance with clause 3.

1st Applicant Signature 2nd Applicant Signature 3rd Applicant Signature

1) Please sign as per Bank’s records.

2) Thumbprints must be affixed in the presence of a bank staff. Date : D D M M Y Y
3) If you are signing this form on behalf of a person per clause 4 or 5 above, please provide your name and NRIC/Passport number next to your signature/thumbprint.

FOR BANK USE ONLY

Branch Name
Attended by /CS (Signed in Presence of): Name Signature D D MM Y Y
IDS (ID Document Submitted):
(1st Applicant)
(2nd Applicant)
(3rd Applicant)
ID Name ID Number
IDV (ID Document Verified By): Name Signature D D MM Y Y
SV (Signature Verified By): Name Signature D D MM Y Y

FOR OFFICE USE ONLY

Customer Service Operations
Document Name Checklist Signature Checklist Signature
Profiler
Proposal
Financial Profiling form with T & C
Debit Mandate Form & POA
Identity Proof
Address Proof

OPERATIONS CHECKLIST
Doc Checked : Doc Verified : Pan verified on IT website: Date :
CIF Created : CIF Verified : CIF No. 1:
CIF No. 2:
CIF No. 3: Date :
Profiling Updated : Profiling Authorized : Signature Scanned : Signature Verified :
RM Name Updated : RM Name Authorized :
Conversion Tier ID :

FPF_INDV / V.2_May 2022

ACKNOWLEDGMENT SLIP (To be handed over to Customer)

We acknowledge the receipt of your Financial Profiling Form. Relationship Manager Details:
The terms and conditions, features and charges with regard to your Name
investment account opening request has been explained to you by the relationship Manager.
Your investment account will be set up subject to KYC checks. Signature Date : D D MM Y Y
FPF_INDV / V.2_May 2022