YOU ARE ENTERING THE RHB ASSET MANAGEMENT PTE LTD (SINGAPORE)’s (“RAMSG”) WEBSITE. READ THESE TERMS AND CONDITIONS ("TERMS") CAREFULLY BEFORE USING THE SERVICES DESCRIBED HEREIN. BY UTILISING THE WEBSITE LOCATED AT www.rhbgroup.com.sg (the specific web page) ("WEBSITE"), YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND THAT YOU AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO ALL OF THESE TERMS OF THIS AGREEMENT, YOU ARE NOT AN AUTHORISED USER OF THESE SERVICES AND YOU SHOULD NOT USE THIS WEBSITE.

THIS WEBSITE IS NOT INTENDED FOR AND SHOULD NOT BE ACCESSED BY PERSONS LOCATED OR RESIDENT IN ANY JURISDICTION WHERE (BY REASON OF THAT PERSON'S NATIONALITY, DOMICILE, RESIDENCE OR OTHERWISE) THE PUBLICATION OR AVAILABILITY OF THIS WEBSITE IS PROHIBITED OR CONTRARY TO LOCAL LAW OR REGULATION OR WOULD SUBJECT ANY RHB ASSET MANAGEMENT (“RHBAM”)’s ENTITY TO ANY REGISTRATION OR LICENSING REQUIREMENTS IN SUCH JURISDICTIONS.

RHBAM RESERVES THE RIGHT TO CHANGE, MODIFY, ADD OR REMOVE PORTIONS OF THESE TERMS AT ANY TIME FOR ANY REASON. SUCH CHANGES SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING. YOU ACKNOWLEDGE THAT BY ACCESSING OUR WEBSITE AFTER WE HAVE POSTED CHANGES TO THESE TERMS, YOU ARE AGREEING TO THESE TERMS AS MODIFIED.

This Website is owned by RAMSG, which is licensed by the Monetary Authority of Singapore ("MAS") pursuant to the Securities and Futures Act (Cap. 289) of Singapore. RHBSG is managed by various companies within the RHB Group. RHB Group companies together with RAMSG, shall collectively hereinafter be referred to as ("RHB").

All the funds mentioned in this Website are authorised or recognised by the MAS for sale or purchase in Singapore. MAS authorisation is not a recommendation or endorsement of a scheme nor does it guarantee the commercial merits or performances of the scheme. It does not mean that the scheme is suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors. The material contained in this Website has not been reviewed by the MAS or any regulatory authority in Singapore.

Investments involve risks, including the possible loss of the principal amount invested. Investors should take note that the value of securities and investments can go down as well as up, and past performance is not necessarily indicative of future performance. RAMSG does not and is not intended to guarantee that all risks have been identified, nor does it provide advice as to whether you should enter into any such transaction. Investors should read and fully understand all the offering documents relating to such securities or investments and all the risk disclosure statements and risk warnings therein, and should seek their own independent financial, legal, regulatory, tax or other advice before making any investment decisions.

Important information about the funds is contained in the prospectus for the funds which is available upon request from RHBSG. BEFORE ACQUIRING THE SHARES OR UNITS OF ANY FUNDS BY PURCHASE OR EXCHANGE, IT IS YOUR RESPONSIBILITY TO READ THE FUNDS’ PROSPECTUS OR OFFERING MATERIALS.

The contents in this Website are for information purposes only and do not constitute investment advice or a recommendation and was prepared without regard to the specific objectives, financial situation or needs of any particular person who may receive it. Although RAMSG endeavours to ensure that the information contained herein is accurate, RAMSG does not undertake an obligation to update the information on this Website, or to correct any inaccuracy that may become apparent at a later time. Any opinions expressed on this Website may change as subsequent conditions vary. This Website may include information sourced from third parties and links to third party websites. We are not responsible for the accuracy or completeness of, and do not recommend or endorse, such information or third party websites. RAMSG shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.

Nothing contained on this Website constitutes tax, accounting, regulatory, legal, insurance or investment advice. Neither the information, nor any opinion, contained on this Website constitutes a promotion, recommendation, marketing solicitation or offer by RHB or its affiliates to buy or sell any securities, collective investment schemes, futures, options or other financial instruments or services, nor shall any such security, collective investment scheme, futures, options or other financial instruments or services be offered, market or sold to any person in any jurisdiction in which such offer, solicitation, marketing, purchase, or sale would be unlawful under the laws of such jurisdiction. Decisions based on information contained on this Website are the sole responsibility of the visitor. In exchange for using this Website, the visitor agrees to indemnify and hold RHB, its officers, directors, employees, affiliates, agents, licensors and suppliers harmless against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of this Website, from the visitor's violation of these Terms or from any decisions that the visitor makes based on such information.

RAM accepts no liability or responsibility in relation to the use of or reliance on any such information, projections and/or opinions whatsoever contained in this document. RHB expressly disclaims all liability for errors and omissions in the materials on this Website and for the use or interpretation by others of information contained on the Website.
 

Trademarks, Copyrights and other Intellectual Property

The content contained on this Website is owned or licensed by RHB and its third-party information providers and is protected by applicable copyrights, trademarks, service marks, and/or other intellectual property rights. Such content is solely for your personal, non-commercial use. You may not distribute, modify, transmit, reuse, repost, or use the content of this Website for public or commercial purposes, including all text, images, audio, and video, without RHB's written permission. Accordingly, you may not copy, distribute, modify, post, frame or deep link this Website, including any text, graphics, video, audio, software code, user interface design or logos. Modification or use of the materials for any other purpose violates RHB's intellectual property rights.

All trademarks, service marks, trade names, and logos displayed on this Website are proprietary to RHB and/or their respective owners. There is a strict prohibition on your use of the trademarks and images displayed on this Website. Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Website without the written permission of RHB or such other third party that may own the trademark displayed on this Website.

Any unauthorised use of the images may violate copyright laws, trademark laws, and the laws of privacy and publicity, and communications, as well as other regulations and statutes. If you download any information from this Website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.
 

Links

RHB may establish links between this Website and one or more websites operated by third parties. RHB has no control over any such other websites, the contents therein or the products/services offered. The existence of any such links shall not constitute an endorsement of, or representation or warranty by RHB regarding such websites, the contents of the websites, the products or services of the websites or the operators of the websites. Your access to and use of such linked websites is governed by the terms of use and privacy policies of those sites, and shall be at your own risk. RHB disclaims responsibility for the privacy policies and customer information practices of third-party internet websites hyperlinked from our Website.
 

Jurisdiction and Governing Law

The information provided on this Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject RHB or its affiliates to any registration requirement within such jurisdiction or country. Each investment product and service referred to on this Website is intended to be made available only to residents in Singapore.

These Terms shall be governed by, and shall be construed in accordance with, the laws of Singapore.  The courts of Singapore shall have exclusive jurisdiction to hear and determine any suit, action or proceeding, and to settle any disputes, which may arise out of or in connection with these Terms and, for such purposes, you agree to submit to the jurisdiction of the courts of Singapore.
 

Integration and Severability

If any provision of these Terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms and will not affect the validity and enforceability of the remaining provisions.

The preceding Terms of use represent the entire agreement between RHB and the user relating to the subject matter herein.
 

Prohibited Uses

Except as otherwise stated in these Terms or as expressly authorised by RHB in writing, you may not:

• Use this Website in any manner that could damage or overburden any RHB server, or any network connected to any RHB server, as all servers have limited capacity and are used by many people
• Use this Website in any manner that would interfere with another party's use of the Website.
• Include the term "RHB" or any RHB trademark or executive's name, or any variation of the foregoing, as a meta-tag, hidden textual element
• Use any robot, spider, intelligent agent, other automatic device, or manual process to search, monitor or copy this Website or the reports, data, information, content, software, products services, or other materials on, generated by or obtained from this Website, whether through links or otherwise (collectively, "Materials"), without RHB's permission, provided that generally available third-party web browsers may be used without such permission; or
• Use this Website or the Materials in any manner that could create impression of affiliation, sponsorship or endorsement by RHB.

All Rights Reserved. No information on this Website can be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of RAMSG and RHB. RAMSG accepts no responsibility for the content or the use of this Website and shall not be liable for any loss or damage caused of any kind, including, but not limited to direct, consequential, incident, special or indirect damages (including but not limited to lost profits, trading losses or damages that result from use or loss of use of this Website) or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party website.

Dated: 1 July 2018

YOU ARE ENTERING THE RHB ASSET MANAGEMENT PTE LTD (SINGAPORE)’s (“RAMSG”) WEBSITE. READ THESE TERMS AND CONDITIONS ("TERMS") CAREFULLY BEFORE USING THE SERVICES DESCRIBED HEREIN. BY UTILISING THE WEBSITE LOCATED AT www.rhbgroup.com.sg (the specific web page) ("WEBSITE"), YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND THAT YOU AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO ALL OF THESE TERMS OF THIS AGREEMENT, YOU ARE NOT AN AUTHORISED USER OF THESE SERVICES AND YOU SHOULD NOT USE THIS WEBSITE.

THIS WEBSITE IS NOT INTENDED FOR AND SHOULD NOT BE ACCESSED BY PERSONS LOCATED OR RESIDENT IN ANY JURISDICTION WHERE (BY REASON OF THAT PERSON'S NATIONALITY, DOMICILE, RESIDENCE OR OTHERWISE) THE PUBLICATION OR AVAILABILITY OF THIS WEBSITE IS PROHIBITED OR CONTRARY TO LOCAL LAW OR REGULATION OR WOULD SUBJECT ANY RHB ASSET MANAGEMENT (“RHBAM”)’s ENTITY TO ANY REGISTRATION OR LICENSING REQUIREMENTS IN SUCH JURISDICTIONS.

RHBAM RESERVES THE RIGHT TO CHANGE, MODIFY, ADD OR REMOVE PORTIONS OF THESE TERMS AT ANY TIME FOR ANY REASON. SUCH CHANGES SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING. YOU ACKNOWLEDGE THAT BY ACCESSING OUR WEBSITE AFTER WE HAVE POSTED CHANGES TO THESE TERMS, YOU ARE AGREEING TO THESE TERMS AS MODIFIED.

This Website is owned by RAMSG, which is licensed by the Monetary Authority of Singapore ("MAS") pursuant to the Securities and Futures Act (Cap. 289) of Singapore. RHBSG is managed by various companies within the RHB Group. RHB Group companies together with RAMSG, shall collectively hereinafter be referred to as ("RHB").

All the funds mentioned in this Website are authorised or recognised by the MAS for sale or purchase in Singapore. MAS authorisation is not a recommendation or endorsement of a scheme nor does it guarantee the commercial merits or performances of the scheme. It does not mean that the scheme is suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors. The material contained in this Website has not been reviewed by the MAS or any regulatory authority in Singapore.

Investments involve risks, including the possible loss of the principal amount invested. Investors should take note that the value of securities and investments can go down as well as up, and past performance is not necessarily indicative of future performance. RAMSG does not and is not intended to guarantee that all risks have been identified, nor does it provide advice as to whether you should enter into any such transaction. Investors should read and fully understand all the offering documents relating to such securities or investments and all the risk disclosure statements and risk warnings therein, and should seek their own independent financial, legal, regulatory, tax or other advice before making any investment decisions.

Important information about the funds is contained in the prospectus for the funds which is available upon request from RHBSG. BEFORE ACQUIRING THE SHARES OR UNITS OF ANY FUNDS BY PURCHASE OR EXCHANGE, IT IS YOUR RESPONSIBILITY TO READ THE FUNDS’ PROSPECTUS OR OFFERING MATERIALS.

The contents in this Website are for information purposes only and do not constitute investment advice or a recommendation and was prepared without regard to the specific objectives, financial situation or needs of any particular person who may receive it. Although RAMSG endeavours to ensure that the information contained herein is accurate, RAMSG does not undertake an obligation to update the information on this Website, or to correct any inaccuracy that may become apparent at a later time. Any opinions expressed on this Website may change as subsequent conditions vary. This Website may include information sourced from third parties and links to third party websites. We are not responsible for the accuracy or completeness of, and do not recommend or endorse, such information or third party websites. RAMSG shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.

Nothing contained on this Website constitutes tax, accounting, regulatory, legal, insurance or investment advice. Neither the information, nor any opinion, contained on this Website constitutes a promotion, recommendation, marketing solicitation or offer by RHB or its affiliates to buy or sell any securities, collective investment schemes, futures, options or other financial instruments or services, nor shall any such security, collective investment scheme, futures, options or other financial instruments or services be offered, market or sold to any person in any jurisdiction in which such offer, solicitation, marketing, purchase, or sale would be unlawful under the laws of such jurisdiction. Decisions based on information contained on this Website are the sole responsibility of the visitor. In exchange for using this Website, the visitor agrees to indemnify and hold RHB, its officers, directors, employees, affiliates, agents, licensors and suppliers harmless against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of this Website, from the visitor's violation of these Terms or from any decisions that the visitor makes based on such information.

RAM accepts no liability or responsibility in relation to the use of or reliance on any such information, projections and/or opinions whatsoever contained in this document. RHB expressly disclaims all liability for errors and omissions in the materials on this Website and for the use or interpretation by others of information contained on the Website.
 

Trademarks, Copyrights and other Intellectual Property

The content contained on this Website is owned or licensed by RHB and its third-party information providers and is protected by applicable copyrights, trademarks, service marks, and/or other intellectual property rights. Such content is solely for your personal, non-commercial use. You may not distribute, modify, transmit, reuse, repost, or use the content of this Website for public or commercial purposes, including all text, images, audio, and video, without RHB's written permission. Accordingly, you may not copy, distribute, modify, post, frame or deep link this Website, including any text, graphics, video, audio, software code, user interface design or logos. Modification or use of the materials for any other purpose violates RHB's intellectual property rights.

All trademarks, service marks, trade names, and logos displayed on this Website are proprietary to RHB and/or their respective owners. There is a strict prohibition on your use of the trademarks and images displayed on this Website. Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Website without the written permission of RHB or such other third party that may own the trademark displayed on this Website.

Any unauthorised use of the images may violate copyright laws, trademark laws, and the laws of privacy and publicity, and communications, as well as other regulations and statutes. If you download any information from this Website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.
 

Links

RHB may establish links between this Website and one or more websites operated by third parties. RHB has no control over any such other websites, the contents therein or the products/services offered. The existence of any such links shall not constitute an endorsement of, or representation or warranty by RHB regarding such websites, the contents of the websites, the products or services of the websites or the operators of the websites. Your access to and use of such linked websites is governed by the terms of use and privacy policies of those sites, and shall be at your own risk. RHB disclaims responsibility for the privacy policies and customer information practices of third-party internet websites hyperlinked from our Website.
 

Jurisdiction and Governing Law

The information provided on this Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject RHB or its affiliates to any registration requirement within such jurisdiction or country. Each investment product and service referred to on this Website is intended to be made available only to residents in Singapore.

These Terms shall be governed by, and shall be construed in accordance with, the laws of Singapore.  The courts of Singapore shall have exclusive jurisdiction to hear and determine any suit, action or proceeding, and to settle any disputes, which may arise out of or in connection with these Terms and, for such purposes, you agree to submit to the jurisdiction of the courts of Singapore.
 

Integration and Severability

If any provision of these Terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms and will not affect the validity and enforceability of the remaining provisions.

The preceding Terms of use represent the entire agreement between RHB and the user relating to the subject matter herein.
 

Prohibited Uses

Except as otherwise stated in these Terms or as expressly authorised by RHB in writing, you may not:

• Use this Website in any manner that could damage or overburden any RHB server, or any network connected to any RHB server, as all servers have limited capacity and are used by many people
• Use this Website in any manner that would interfere with another party's use of the Website.
• Include the term "RHB" or any RHB trademark or executive's name, or any variation of the foregoing, as a meta-tag, hidden textual element
• Use any robot, spider, intelligent agent, other automatic device, or manual process to search, monitor or copy this Website or the reports, data, information, content, software, products services, or other materials on, generated by or obtained from this Website, whether through links or otherwise (collectively, "Materials"), without RHB's permission, provided that generally available third-party web browsers may be used without such permission; or
• Use this Website or the Materials in any manner that could create impression of affiliation, sponsorship or endorsement by RHB.

All Rights Reserved. No information on this Website can be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of RAMSG and RHB. RAMSG accepts no responsibility for the content or the use of this Website and shall not be liable for any loss or damage caused of any kind, including, but not limited to direct, consequential, incident, special or indirect damages (including but not limited to lost profits, trading losses or damages that result from use or loss of use of this Website) or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party website.

Dated: 1 July 2018