, except for the advertisement of retirement mutual fund and long-term equity fund that urge investors to make the investment in time for acquiring tax benefits in such tax year. Clause 12. In case the

retirement mutual fund and long-term equity fund that urge investors to make the investment in time for acquiring tax benefits in such tax year. Clause 5. In case of advertisement of guaranteed fund or private

, risk and return of services or capital market products entirely before making a decision to use the services; (6) not urge the client to make a decision to invest [in capital market products ], but shall

a decision to use the services; (6) not urge the client to make a decision to invest [in capital market products ], but shall offer adequate time to the client for considering and making a decision