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DISCLOSURES & DISCLAIMERS

This email / document is meant for circulation to clients in India only.

Please refer to the below disclosures and disclaimers relating to the products provided by ICICI Bank in the capacity of a distributor (Alternate Investment Funds, Structured Products, Bonds, Mutual Funds and Life Insurance/General Insurance) and to disclosures and disclaimers relating to the products where ICICI Bank is only acting in its capacity as a referrer (Real Estate, PMS, Trust services, Investment banking services, Alternate Investment Funds, Bonds).

DISTRIBUTION MODE (ALTERNATE INVESTMENT FUNDS, STRUCTURED PRODUCTS, BONDS, MUTUAL FUNDS AND LIFE INSURANCE/GENERAL INSURANCE)

General Disclosures and Disclaimers

For the purposes of these services, ICICI Bank Limited (“ICICI Bank”) is merely acting in the capacity of a distributor and there is no direct or indirect linkage between the provision of the banking services offered by ICICI Bank to its customers and their usage of the product or participation in the scheme offered by third party and distributed by ICICI Bank. The products, services and benefits distributed herein are subject to the terms and conditions governing them as specified by ICICI Bank / third party from time to time. The information contained in any documents provided by ICICI Bank in relation to these services is not an offer, invitation or solicitation of any kind to buy or sell any products /service(s) of ICICI Bank/its affiliates / third party and is not intended to create any rights or obligations. Nothing in any document is intended to constitute legal, tax, securities or investment advice, or opinion regarding the appropriateness of any investment, or a solicitation for any product or service. The use of any information provided is entirely at the recipient’s own risk. This e-mail is being communicated to you solely for the purposes of providing information subject to applicable laws and regulations.

The contents of the documents provided under these services are solely meant to inform and is not a substitute for professional advice. All information, details and statistics related to the third party’s products/services have been provided by the third party to ICICI Bank and ICICI Bank is merely forwarding the same to you on an “as-is” basis. No reliance may be placed for any purpose whatsoever on the information contained in this e-mail or on its completeness.

ICICI Bank does not accept any responsibility for any errors or any loss or damage incurred by anyone in reliance on anything set out in any document provided to you in connection with these services. Any disputes/ claims/ losses, if any, pertaining to the services or the information communicated herein, may be referred to the third party offering the product or offering participation in its schemes without any reference to ICICI Bank. The information set out herein may be subject to modification and may change materially. Past performance cannot be a guide to future investments.

The documents contained herein are being communicated to you on a confidential basis and does not carry any right of publication or disclosure to any other party, whether in whole or in part, without the prior written consent of ICICI Bank or the owner of the information, as the case may be. The information and/or intellectual property contained is strictly confidential, meant solely for the selected recipient, and may not be altered in any way, nor transmitted copied or distributed in the part or in whole to any other person or to the media, or reproduced in any form without prior written consent of ICICI bank or the relevant owner of the intellectual property/information as the case may be.

The information contained herein is not intended to nor should it be construed to represent that ICICI Bank provides any products and/or services in any jurisdiction where it is not legally permitted to provide those products and/or services. ICICI Bank does not accept any liability or responsibility for any services provided by any third party including services provided by subsidiaries of ICICI Bank including but not limited to services provided by ICICI Prudential Life Insurance Company Ltd (ICICI Prulife) and ICICI Lombard General Insurance Co. Ltd. (ICICI General). ICICI Bank, further, disclaims any and all liability, including any express or implied warranties, whether oral or written, for such third party services.

Participation by ICICI Bank's customers is on a purely voluntary basis and there is no direct or indirect linkage between the provision of the banking services offered by ICICI Bank to its customers and their usage of any product or participation in any scheme.

Please note that ICICI Bank may earn a distribution fee due to its role as a distributor and ICICI Bank is not responsible, and will not be responsible, for the performance of this investment.

The relevant documents should be reviewed prior to making any investment in the offerings.

Any product provided by ICICI Bank, acting in its capacity as a distributor, shall be provided at the sole discretion of ICICI Bank. ICICI Bank reserves the right to refuse the provision of these products or services at its sole discretion.

"ICICI Bank” and “I-man” logos are trademark and property of ICICI Bank Ltd. Misuse of any intellectual property, or any other content displayed herein is strictly prohibited. This email / document is meant for circulation to clients in India only.

Product specific Disclosures and Disclaimers

FOR ALTERNATE INVESTMENT FUNDS, STRUCTURED PRODUCTS, BONDS

Any investment in any offerings described in any document/s offering such an investment will be accepted solely on the basis of the relevant documents issued by the investment manager or the entity offering the investment (“Investment Provider”) and this information will not form the basis of, and should not be relied upon in connection with, any investment in the offerings. Potential investors should, therefore, request for relevant product information from the Investment Provider before making any investment decision. The relevant documents should be reviewed prior to making any investment in the offerings.

Please note that any reference to service levels in any document provided in relation to an offered investment is only indicative and should not be construed to refer to any commitment by ICICI Bank.

FOR MUTUAL FUNDS

“Mutual Fund investments are subject to market risk. Please read the offer document carefully before investing”.

Please also take note of risks highlighted about the product in the offer document and due caution should be exercised (including if necessary, obtaining of advise of tax/ legal/ accounting/ financial/ other professionals) prior to taking any decision, acting or omitting, to act on the basis of the information contained therein. Please note that the purchase of units of Mutual funds shall be at the customers’ risk and Bank does not guarantee or assure the return on investment.

ICICI Prudential Asset Management Company is a subsidiary of ICICI Bank Limited. Investments made herein may be made through ICICI Bank Limited’s AMFI Registration Number (ARN) code.

In the event you give direct instructions to the AMC or their agents, ICICI Bank may not be held responsible in this regard for any reason whatsoever.

Please visit www.icicibank.com > Personal > Products > Investments > Mutual Funds > More > Disclosure/ Terms & Conditions page for important information on Mutual Fund investments.

FOR LIFE INSURANCE/GENERAL INSURANCE

ICICI Bank Limited ("ICICI Bank") with registered office at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007, Gujarat (CIN: L65190GJ1994PLC021012) is a Corporate Agent (Composite, IRDAI Regn No.: CA0112 valid till 31/03/2022) of ICICI Prudential Life Insurance Company Limited ("ICICI Prulife") and ICICI Lombard General Insurance Company Limited (ICICI Lombard). Life Insurance products and General Insurance products are underwritten by ICICI PruLife and ICICI Lombard respectively. Purchase by ICICI Bank’s customer of any insurance products is purely voluntary, and is not linked to availment of any other facility from ICICI Bank.

REFERRAL MODE (REAL ESTATE, PMS, TRUST SERVICES, INVESTMENT BANKING SERVICES, ALTERNATE INVESTMENT FUNDS , BONDS, ADVISROY)

The products, services and information contained in this document are not intended to nor should they be construed to represent that ICICI BANK LIMITED (“ICICI Bank”) provides any products or services in any jurisdiction where it is not licensed or registered or authorised to do so.

This document and the information contained herein are strictly confidential and are meant solely for the selected recipient to whom it has been specifically made available by ICICI Bank. This document may not be altered in any way, transmitted to, copied or distributed, in part or in whole, to any other person or to the media or reproduced in any form, without prior written consent of ICICI Bank.

ICICI Bank is a banking company incorporated and regulated under Indian laws and maintains its head office in Mumbai, India.

The products described in any document provided by ICICI Bank while acting in its capacity as a referrer may not be protected against sovereign risk including risks arising from any changes in applicable Indian or other relevant laws. Please note that the products described in any document provided by ICICI Bank while acting in its capacity as a referrer may represent speculative investments and may involve a high degree of risk. Investors’ capital may not be guaranteed in any respect and they could lose all or substantial portion of their investment. Please familiarize yourself with all the terms and conditions pertaining to the specific products and services prior to availing of it. ICICI Bank is not acting as your advisor or in a fiduciary capacity in respect of the products and services referred to in any document provided by ICICI Bank while acting in its capacity as a referrer and ICICI Bank accepts no liability nor responsibility whatsoever with respect to the use of this document or its contents. Nothing, in any document provided to you by ICICI Bank, is intended to constitute legal, tax, securities, or investment advice, or an opinion regarding the appropriateness of any investment, or a solicitation of any type. The contents of all documents provided by ICICI Bank are intended for general information purposes only and should not be acted upon without first obtaining specific legal, tax, and investment advice from a licensed professional concerning your own situation and any specific investment questions you may have before entering into any financial transaction.

The product or service mentioned in any document/s, provided by ICICI Bank while acting in its capacity as a referrer, may not be suitable for all investors. The suitability of any product or service will depend on a person’s individual circumstances and objectives. You should personally seek independent advice from a licensed or exempt financial adviser regarding the suitability of the product or services, taking into account your specific investment objectives, financial situation or particular needs, before making a commitment to purchase such product or service.

The financial or other projections etc. set out in any document have been prepared based upon projections that have been determined in good faith and from sources deemed reliable. There can be no assurance that such projections will be accurate. ICICI Bank does not accept any responsibility for any errors whether caused by negligence or otherwise or for any loss or damage incurred by anyone in reliance on anything set out in any such document. The information present in any document reflects prevailing conditions, all of which are expressed without any responsibility or verification on our part and are subject to change. Past performance cannot be a guide to future performance. No reliance may be placed, for any purpose whatsoever, on the information contained in any document provided to you by ICICI Bank while acting in its capacity as a referrer. The information set out may be subject to updating, completion, revision, verification and amendment and such information may change materially.

Potential investors should request for relevant product information before making any investment decisions as any document provided by ICICI Bank acting in its capacity as a referrer does not, and is not, a document that relates to or may be relied upon for any investment in any product.

Any reference to service levels are only indicative and should not be construed to refer to any commitment by ICICI Bank or any other service provider.

In case of any document prepared by ICICI Bank, for the products referred by the Bank, and provided on the letter head of ICICI Bank, ICICI Bank has relied upon and assumed, without independent verification, the accuracy and completeness of all information available from public sources or which was provided or which was otherwise reviewed by ICICI Bank.

ICICI Bank is only acting in its capacity as a referrer and may earn referral fees. All the information, statistics and details about the investments, products or services to be provided have been merely forwarded to you on an “as-is” basis by ICICI Bank.

No document provided constitutes an offer to sell or a solicitation of an offer to sell any securities to any person in any jurisdiction. ICICI Bank, its affiliates and any of their licensees, directors, employees, or agents shall not be held liable for any direct, indirect, incidental, special, or consequential damages arising out of the use of information contained in any documents provided to you by ICICI Bank while acting in its capacity as a referrer.

Participation by ICICI Bank's customers is on a purely voluntary basis and there is no direct or indirect linkage between the provision of the banking services offered by ICICI Bank to its customers and their investment in the third party’s products/services. ICICI Bank shall not be liable or responsible for any loss, claim or shortfall resulting from third party’s products/services.

The above mentioned is not a complete list of the risks and disclosures and other important disclosures may be involved in availing of the products and services described herein.

Any product provided by ICICI Bank, acting in its capacity as a referrer, shall be provided at the sole discretion of ICICI Bank. ICICI Bank reserves the right to refuse the provision of these products or services at its sole discretion.

Investment Advisory Services are provided by ICICI Investment Management Company Limited, a Subsidiary of ICICI Bank. Such services are offered on a referral basis.

"ICICI Bank” and “I-man” logos are trademark and property of ICICI Bank Limited. Misuse of any intellectual property, or any other content displayed herein is strictly prohibited. This email /document is meant for circulation to clients in India only.

Product specific Disclosures and Disclaimers

FOR PMS, TRUST SERVICES, INVESTMENT BANKING SERVICES, ALTERNATE INVESTMENT FUNDS, BONDS, ADVISORY

In addition to the disclaimer above, any investment in any products or services described in any document/s offering such an investment will be accepted solely on the basis of the relevant documents issued by the investment manager or any other person/entity making the offers and this information will not form the basis of, and should not be relied upon in connection with any investment actually made in the offers. The relevant documents should be reviewed prior to making any investment in the offerings. The customer is advised to conduct independent investigations and also personally seek independent advice from a licensed or exempt financial adviser regarding the suitability of the product or services, taking into account your specific investment objectives, financial situation or particular needs, before making a commitment to purchase such product or service.

ICICI Bank is only acting in its capacity as a referrer. All the information, statistics and details about the investment being offered have been provided by the investment manager or person/entity offering the investment (“Investment Provider”) and ICICI Bank is merely forwarding the same to you on an “as-is” basis. ICICI Bank has relied upon and assumed, without independent verification, the accuracy and completeness of all information received from the Investment Provider. Potential investors should, therefore, request for relevant product information from the Investment Provider before making any investment decisions as any document provided by ICICI Bank acting in its capacity as a referrer does not, and is not, a document that relates to any investment product and may not be relied upon for making an investment decision.