Investment Objective

The Fund aims to provide 100% capital protection at maturity while seeking potential returns over the tenor.

Investment Policies and Strategies

The Fund intends to invest in 2-year Ringgit Malaysia denominated Zero Coupon Negotiable Instruments of Deposits ("ZNID")issued by Malaysian banks of investment grade rated at least "A" by RAM or equivalent which aim to repay the initial capital at maturity.

Also, an equity component is designed to achieve potential return linked to the performance of selected global equities in the Financial, Food and Agri/Resources sectors through the investment of options (the "Options").

Asset Allocation:

• ZNIDs: A minimum of 90% of the Fund's NAV


• Options: A maximum of 10% of the Fund's NAV

Some basic fees:

Fund Category / Type	-	Capital Protected Fund / Growth
Service Charge	-	2.45%
Annual Management Fee	-	Nil
Annual Trustee Fee	-	0.08% per annum of the Fund's NAV calculated on a daily basis, subject to a minimum of RM18,000 p.a. (excluding foreign custodian fee and charges).
Investors' Profile	-	The Fund is designed for conservative investors who:-   Are seeking capital protection;   Are risk adverse;   Wish to participate in the potential upside from selected global equities in the Financial, Food and Agri/Resources sectors; and   Wish to diversify their investment abroad.
Switching Policy	-	3 free switches within a calendar year. A switching fee of 0.5% of the switched amount will be charged after the third switch. The minimum amount to switch is 1,000 Units.