Investment Objective

The Fund aims for 100% capital protection at maturity and potential returns linked to the performance of global equities and commodities.

Investment Policies and Strategies

The fund intends to invest in 3 years 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 to provide the capital protection at maturity. The Fund will also invest in an option linked to the performance of global equities and commodities.

At the end of the Fund's maturity period, the Fund will return Unitholders' initial capital plus potential additional returns linked to two portfolios with asset classes of global equities and commodities. The weight allocations to these asset classes however will be different for each portfolio. Investors' potential additional returns at maturity will be linked to the monthly average growth of the best performing portfolio.

Asset Allocation:

• ZNIDs: Min. 83% of the Fund's NAV


• Option: Up to 15% of the Fund's NAV
• Liquid asses: Up to 5% of the Fund's NAV

Some basic fees:

Service Charge	-	1.50% of NAV per Unit
Redemption Charge	-	1st Year 2nd Year 3rd Year On Maturity	1.50 % 1.00 % 0.50 % NIL
Annual Management Fee	-	1.00% of the Fund's NAV
Annual Trustee Fee	-	0.07% of the Fund's NAV
Investors Profiles	-	The Fund is designed for:-   Conservative investors who seek capital protection;   Wish to participate in the potential upside from global equities and commodities; and   Wish to diversify their investment abroad