Unit Trust

Last Update:June 1, 2013

Risk Disclosures

1. Risks of using electronic trading services

If you undertake transactions via electronic trading facilities, you will be exposed to risks associated with the system including the failure of hardware and software, and your order may not be executed according to your instructions.

2. Risk of Trading Funds

Investment involves risks. The price of units or shares may go down as well as up and past performance is not indicative of future performance. Some funds may invest up to 100% of their net assets in structured products and derivatives and may also invest in non-investment grade debt securities. You should make sure you understand unit trusts before investing and consider whether such products are suitable for you in light of your own financial position, investment experience and investment objectives.

The prices quoted are for reference only and are subject to change without notice.

3. Revenue Disclosure

The Company receives commission from fund house(s) (as stated in the prospectus) and trailer fees (up to 1% of fund value).

This brief statement cannot disclose all risks. You should therefore study carefully the risks disclosure statements on our website and in your client agreement.

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