MA

STE

R P

RO

SP

EC

TUS

2015//2016 w

ww

.asnb.com.m

y i

PREFAC

E

The Unit Hold

ers and

potentia

l Unit Hold

ers of Am

ana

h Saha

m N

asiona

l (“ASN

”), Am

ana

h Saha

m

Na

sional 2 (“A

SN 2”), A

ma

nah Sa

ham

Na

sional 3 Im

bang (“A

SN 3”), A

ma

nah Sa

ham

Gem

ilang

(“ASG

”) and

the three unit trust funds und

er its umb

rella na

mely, A

ma

nah Sa

ham

Pendid

ikan

(“ASG

-Pendid

ikan”),

Am

ana

h Sa

ham

Kesiha

tan

(“ASG

-Kesihata

n”) a

nd

Am

ana

h Sa

ham

Persa

raa

n (“ASG

-Persara

an”), A

ma

nah Sa

ham

Bumip

utera (“A

SB”), Am

ana

h Saha

m W

aw

asa

n 2020 (“A

SW 2020”), A

ma

nah Sa

ham

Ma

laysia

(“ASM

”),Am

ana

h Saha

m D

idik (“A

SD”), A

ma

nah

Saha

m 1M

ala

ysia (“A

S 1Ma

laysia

”) and

Am

ana

h Saha

m Bum

iputera 2 (“A

SB 2”) (Collectively

known a

s “Funds”).

Dea

r Va

lued Investor,

On beha

lf of the Board

of Directors of A

ma

nah Sa

ham

Na

sional Berha

d (“The M

ana

ger”), we

wish to inform

you that ea

ch of the Fund m

entioned a

bove ha

s its own ob

jective which is

mentioned

in Sections 3 and

5 of this Prospectus. In order to a

chieve the investment objective of

the respective Funds, va

rious strategies w

ill be ad

opted, w

hich is suitable w

ith the Funds’

objective as m

entioned in Sections 3 a

nd 5 of this Prospectus.

Notw

ithstand

ing the above, Unit Hold

ers of the Funds should

also be a

wa

re of the inherent risks of investing in the Fund

s which includ

e am

ong others, ma

rket risk, stock specific risk, fluctuation in

NA

V a

nd cred

it risk/defa

ult risk. Further informa

tion on the risk factors is deta

iled in Section 4 of this Prospectus.

Therefore, investors should ta

ke into considera

tion the investment objectives, stra

tegies and

risks before investing in the Fund

s. Please refer to Section 3 for more inform

ation on profile of investors for ea

ch Fund. There a

re fees and

charges tha

t will be incurred

by investors when purcha

sing or red

eeming units of the Fund

s such as sa

les charge, rep

urchase cha

rge, annua

l ma

nagem

ent fee a

nd a

nnual trustee’s fee. Further d

etails of these fees a

nd cha

rges are d

isclosed in Section 8

of this Prospectus. Units of the Funds m

ay be acq

uired at any of our A

SNB offices or branches of

our agents throughout M

ala

ysia. Plea

se refer to Section 18 of this Prospectus for more inform

ation

on the Directory.

We recom

mend

that potential investors rea

d this Prosp

ectus in its entirety before m

aking a

n investm

ent decision a

nd if you ha

ve any d

oubts, consult a

professiona

l ad

viser. If you have a

ny queries on our Fund

s, please feel free to conta

ct our Custom

er and

Ag

ent Relations D

epa

rtment

at 03-20573000 or em

ail us a

t asnbca

re@pnb.com

.my.

Thank you.

Yours faithfully, For a

nd on beha

lf of The Board

of Directors

Am

anah Saham N

asional Berhad Tun A

hmad Sarji bin A

bdul Hamid

Cha

irma

n

ii

RESPON

SIBILITY STATEM

ENT

This Prospectus

has

been review

ed

and

approved

by the

directors

of the

Managem

ent C

ompany

and

they collectively

and

individ

ually accept

full responsibility

for the

accuracy of

the inform

ation.

Having

mad

e all

reasonable enquiries, they confirm

to the best of their knowled

ge and belief, there are no false or

mislead

ing statem

ents, or omission of other facts w

hich would

make any sta

tement in

the Prospectus false or mislead

ing.

STATEM

ENTS O

F DISCLA

IMER

The Securities Com

mission M

alaysia has authorized the Fund

s and a copy of this

Prospectus has been registered w

ith the Securities Com

mission M

alaysia.

The authorization of the Fund

s, and the registration of this Prospectus, should

not be taken to ind

icate tha

t the Securities Com

mission M

alaysia recom

mend

s the said

Funds

or assumes responsibility for the correctness of any sta

tement m

ade, opinion expressed

or report contained

in this Prospectus.

The Securities Com

mission M

alaysia is not liable for any non- disclosure on the p

art of the M

anagement C

ompany responsib

le for the said Fund

s and takes no responsibility

for the contents in this Prospectus. The Securities Com

mission M

alaysia makes no

representation on the accuracy or com

pleteness of this Prospectus, and expressly

disclaim

s any liability wha

tsoever arising from, or in reliance upon, the w

hole or any part of its contents.

INVESTO

RS SHOULD RELY O

N THEIR O

WN

EVALUA

TION

TO A

SSESS THE MERITS A

ND RISKS

OF THE IN

VESTMEN

T. IF INVESTO

RS ARE UN

ABLE TO

MA

KE THEIR OW

N EVA

LUATIO

N, THEY

ARE A

DVISED TO C

ON

SULT PROFESSIO

NA

L ADVISERS.

No units w

ill be issued or sold

based on this Prospectus later than one year a

fter the d

ate of this Prospectus.

Investors should note tha

t they may seek recourse und

er the Capital M

arkets and

Services Act 2007 for breaches of securities law

s and regulations includ

ing any sta

tement in the Prospectus tha

t is false, mislead

ing, or from w

hich there is a ma

terial om

ission; or for any mislead

ing or deceptive act in rela

tion to the Prospectus or the cond

uct of any other person in relation to the Funds.

ww

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ASN

B MA

STER PROSPECTU

S 2015/2016

iii

TABLE O

F CO

NTEN

TS

SECTIO

N

PAG

E

1 G

LOSSA

RY OF TERM

S/ABBREVIA

TION

S 1

2

CO

RPORA

TE DIRECTO

RY 4

3

KEY DATA

9

3.1 A

SN

93.2

ASN

2 10

3.3 A

SN 3

113.4

ASG

12

3.5 A

SB 15

3.6 A

SW 2020

163.7

ASM

17

3.8 A

SD

183.9

AS1M

ala

ysia

193.10

ASB 2

203.11

List of Deed

s 22

3.12 Fees&

Cha

rges – Va

riable Price (A

SN, A

SN 2, A

SN 3 A

ND

ASG

) 23

3.13 Fees&

Cha

rges- FIXED PRIC

E (ASB, A

SW 2020, A

SM, A

SD, A

S 1MA

LAYSIA

and

A

SB 2) 24

3.14 Transaction Inform

ation 25

4 RISK FA

CTO

RS 32

4.1 G

eneral Risks of Investing in Unit Trust Fund

324.2

Specific Investment Risks of Investing

34

5 IN

FORM

ATIO

N O

N THE FUN

DS 37

5.1 G

eneral Inform

ation on The Fund

s’ Objective a

nd Stra

tegy 37

5.2 G

eneral Inform

ation on the Benchm

arks

395.3

Genera

l Informa

tion of the Funds

405.3.1

ASN

40

5.3.2 A

SN 2

435.3.3

ASN

3 45

5.3.4 The Three Fund

s Under the Um

brella of A

SG

475.3.5

ASB

505.3.6

ASW

2020 52

5.3.7 A

SM

555.3.8

ASD

57

5.3.9 A

S 1Ma

laysia

60

5.3.10 A

SB 2 63

5.4 Potentia

l Risks associa

ted w

ith the Funds

66

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ASN

B MA

STER PROSPECTU

S 2015/2016

iv

5.5 C

ontrol of the Risks 66

5.6 Ba

ses of Va

luation for Investm

ents 66

5.7 Policy in Respect of V

alua

tuon Point(s) to Determ

ine the NA

V of the Fund

68

6 PERFO

RMA

NC

E OF THE FUN

DS 69

6.1 C

hanges in Benchm

ark

696.2

Basis of C

alcula

tions and

Assum

ptions in C

alcula

tion of Returns 69

6.3 Perform

ance of A

SN

726.4

Performance of A

SN 2

746.5

Performance of A

SN 3

766.6

Performa

nce of ASG

78

6.7 Perform

ance of A

SB 81

6.8 Perform

ance of A

SW 2020

826.9

Performa

nce of ASM

83

6.10 Perform

ance of A

SD

846.11

Performa

nce of AS 1M

ala

ysia

856.12

Performa

nce of ASB 2

86

7HISTO

RICA

L FINA

NC

IAL HIG

HLIGHTS O

F THE FUND

87 7.1

An Extract on The Fund

s’ Aud

ited Financial Statem

ents For The Last Three

Financia

l Years

87

7.2 A

SN

877.3

ASN

2 88

7.4 A

SN 3

897.5

The Three Funds Und

er the Umb

rella of ASG

89

7.6 A

SB 91

7.7 A

SW 2020

927.8

ASM

92

7.9 A

SD

927.10

AS 1M

ala

ysia

937.11

ASB 2

937.12

Total A

nnual Expenses Incurred

by the Fund

s 93

7.13 M

ana

gement Exp

ense Ratio (M

ER) 94

8 FEES, C

HARG

ES AN

D EXPENSES

97 8.1

Cha

rges and

Fees Directly Incurred

When Purcha

sing Or Selling Units O

f The Funds

97

8.2 C

harges A

nd Fees Ind

irectly Incurred

97

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ASN

B MA

STER PROSPECTU

S 2015/2016

v

9 TRA

NSA

CTIO

N IN

FORM

ATIO

N

102 9.1

Va

luation Points For The Purpose of D

etermining the N

AV

102

9.2 N

AV

for ASN

, ASN

2, ASN

3, ASG

-Pendid

ikan, A

SG-Kesiha

tan a

nd A

SG-

Persara

an

102

9.3 Pricing Policy

103 9.4

Single Pricing Policy for ASN

, ASN

2, ASN

3, ASG

-Pendid

ikan, A

SG-Kesiha

tan

and

ASG

-Persara

an

103

9.5 Tra

nsaction D

etails

108 9.6

Payment of Incom

e Distribution

111 9.7

Ad

ditiona

l Informa

tion 113

10 M

AN

AG

EMEN

T AN

D ADM

INISTRA

TION

119

10.1 G

eneral Inform

ation on A

SNB

119 10.2

The Board of D

irectors 119

10.3 C

omp

any Secreta

ry 123

10.4 Key M

ana

gement Sta

ff 124

10.5 Senior C

omp

liance O

fficer 126

10.6 Fina

ncial Inform

ation on A

SNB

126 10.7

Roles, Duties a

nd Responsibilities of The M

ana

gement C

ompa

ny 126

10.8 Functions O

f The Investment C

omm

ittees of the Funds

127 10.9

The Investment M

ana

ger 130

10.10 Retirem

ent, Remova

l or Replacem

ent of the Ma

nagem

ent Com

pany

143 10.11

Powers of the M

ana

gement C

ompa

ny to Remove the Trustee

144 10.12

Disclosure of C

urrent Ma

terial Litigation a

nd A

rbitration

145

11 TRUSTEE

146 11.1

Genera

l Informa

tion 146

11.2 Fina

ncial Inform

ation

146 11.3

Board of D

irectors 147

11.4 Key M

ana

gement Sta

ff 147

11.5 D

uties and

Obliga

tions 147

11.6 Retirem

ent, Remova

l and

Replacem

ent 148

11.7 Pow

er of Trustee to Remove or Replace the M

anager

149 11.8

Statem

ent of Responsib

ility 149

11.9 D

isclosure of Current M

ateria

l Litigation and

Arbitra

tion 149

12 SA

LIENT TERM

S OF THE DEED

150

12.1

Rights and

Liabilities of Unit H

olders

150

12.2 M

axim

um Fees a

nd C

harges Perm

itted By the D

eed

154

12.3 Increase In Fees and

Charges From

The Level Disclosed

In The Prospectus a

nd the M

axim

um Rate Provid

ed In The D

eed

157

12.4

Permitted

Expenses Paya

ble Out O

f The Funds’ Prop

erty158

12.5

Remova

l, Retirement a

nd Repla

cement of The M

ana

ger and

The Trustee 167

12.6

Termina

tion of The Fund

167

12.7 Unit H

olders’ M

eeting172

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ASN

B MA

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S 2015/2016

vi

13 RELA

TED PARTY TRA

NSA

CTIO

NS/C

ON

FLICT O

F INTEREST

178

13.1 Existing a

nd Potential Rela

ted Pa

rty Transa

ctions 178

13.2

Conflict of Interest

178

13.3 Policies on D

ealing w

ith Conflict of Interest Situa

tions 179

13.4

Deta

ils O

f A

SNB’s

Directors’

Direct

and

Indirect

Interest In

Other

Corp

orations C

arrying on a

Simila

r Business 180

13.5

Deta

ils of ASN

B’s Substantial Sha

reholders’ D

irect and

Indirect Interest In

Other C

orpora

tions Ca

rrying on a Sim

ilar Business

180

13.6

Decla

ration of C

onflict of Interest 180

14 TA

XATIO

N O

F THE FUNDS

181

15 C

ON

SENTS

182

16 A

PPROVA

L AN

D CO

NDITIO

NS

183

16.1 Exem

ptions a

nd V

ariations

183

16.2

Specification From

Securities Com

mission To The Fixed

Price Funds on the

Ap

plica

tion of MFRS

196

17 DO

CUM

ENTS A

VAILA

BLE FOR IN

SPECTIO

N

197

18 DIREC

TORY

198

18.1 A

SNB O

ffices 198

18.2

Custom

er and A

gent Relations Departm

ent 201

19 LIST O

F AG

ENTS

202

20 A

PPLICA

TION

FORM

S AN

D LOA

N FIN

AN

CIN

G DISC

LOSURE STA

TEMEN

T 203

• • •

• •

• • •

• • •

• •

• • •

• • •

• •

• • •

• • •

• •

• • • •

• •

• • •

• •

• • • •

• •

• • •

• • •

• • • •

• •

3.4.3 AS

G-P

ersaraan

• • •

• • •

•

•

• • •

• • •

• •

• • •

• • •

• •

• • •

• • •

• •

• • •

• • •

• • • •

•

• • • • • •

• • •

• • • •

• •

•

• • • •

• • • •

• • • •

• •

• • • •

• • • •

• • • •

• •

• • • •

•

• • • •

• • • •

• • • •

•

• • •

• • • •

• •

• • • •

• • •

• • • •

• • •

• •

•

• Y

ou must understand that there are fees and charges that are directly and indirectly charged to you before

investing in the Funds. A

ll charges are non-negotiable. •

The fees and charges stated under S

ections 3.12 and 3.13 shall be subject to GS

T.

• F

or details on Fees, C

harges and Expenses of the F

unds under Sections 3.12 and 3.13, you m

ay refer to S

ection 8: Fees, C

harges and Expenses.

• •

• • • • • •

• • •

• • • • • • • • • • • •

•

•

•

• •

•

•

•

•

• •

•

• • •

• •

•

• •

•

• •

•

•

•

•

• •

•

• •

• • • •

• • • • • • • • • • • •

• • •

Past p

erform

ance o

f the Fu

nd

s is no

t an in

dicatio

n of fu

ture p

erform

ance.

• • • • • • • • • •

• • • • • • • • • • • •

Illustratio

n:

Com

putation of the NA

V per U

nit at each Valuation P

oint is illustrated below:

R

M

Quoted Investm

ents

231,000,000 Liquid A

ssets

34,500,000 O

ther Assets

6,100,000

271,600,000

Less:Liabilities

(16,500,000) N

et Asset V

alue

255,100,000

U

nits in

Circu

lation

(Un

its)

326,500,000

N

et Asset V

alue per Unit

=

Net A

sset Value

U

nits In Circulation

=

R

M255,100,000

326,500,000 U

nits

NA

V p

er Un

it, rou

nd

ed to

4 decim

al p

laces =

R

M0.7813

P

lease no

te that th

e examp

le abo

ve is for illu

strative pu

rpo

se on

ly.

Illustration 1: If you are making an investm

ent: (i)

Assum

ing the amount you w

ish to invest (“Investment am

ount”): RM

10,000.00 in AS

N.

(ii) N

AV

per Unit : R

M0.5000

(iii) Sales charge : 5%

(iv) G

ST

: 6%

on sales charge

a) Units issued to you

=

Investm

ent amount

N

AV

per Unit

=

RM

10,000

R

M0.5000

=

20,000 units

(b) S

ales charge Incurred

=

Investment am

ount x 5%

=

R

M10,000 X

5%

=

R

M500.00

(c) G

ST

on sales charge =

S

ales charge incurred x 6%

=

R

M500.00 X

6%

=

R

M30.00

(d) Total am

ount payable =

Investm

ent amount +

Sales charge incurred +

by you

G

ST

on sales charge

=

RM

10,000 + R

M500.00 +

RM

30.00

=

RM

10,530.00 T

he rounding up of the NA

V per U

nit will be up to four decim

al places. The total am

ount paid will be

subjected to the rounding mechanism

. P

lease no

te that th

e examp

le abo

ve is for illu

strative pu

rpo

ses on

ly.

Illustration 2: If you wish to request for repurchase of your investm

ent (i)

Assum

ing amount you w

ish to repurchase: RM

10, 000.00 in AS

N.

(ii) N

AV

per Unit : R

M0.5000

(iii) Repurchase charge : N

il

(a) Repurchased units

=

A

mount paid

NA

V per U

nit

=

R

M10,000

R

M0.5000

=

20,000 Units

(b) Repurchase charge

=

N

AV

per Unit x R

epurchase charge per Unit

per Unit

=

R

M0.5000 x 0%

=

RM

0 (c)

Total repurchase charge

=

Repurchase charge per unit x R

epurchased units

=

RM

0 x 20,000 units

=

RM

0 (d) N

et repurchase =

A

mount repurchased – R

epurchase charge

proceeds

=

R

M10,000 – R

M0

=

R

M10,000

The rounding up of the N

AV

per Unit w

ill be up to four decimal places. T

he total amount paid w

ill be subjected to a rounding m

echanism.

Please n

ote th

at the exam

ple ab

ove is fo

r illustrative p

urp

oses o

nly.

Illustration 3: Re-P

rice: H

owever, if the F

und’s NA

V as at the m

id-day Valuation P

oint differs by more than 5%

from the N

AV

as at last V

aluation Point, the U

nit will be re-priced after the start of business of the B

ursa Malaysia at 2.30

p.m.

You subm

it an application to invest RM

10,000 in AS

N 3 at 2.15 p.m

.: N

AV

of AS

N 3: P

ublished Price - N

AV

per Unit: R

M0.5000 (rounded to 4 decim

al places). A

fter the mid-day close of business of the B

ursa Malaysia, the N

AV

of AS

N 3 has reduced b

y 7%

compared to the N

AV

at end of the previous Business D

ay. E

ffectively the Unit price for the afternoon session (after 2.30 p.m

.) will be re-priced as follow

s: N

AV

of AS

N 3: R

e-Priced N

AV

- NA

V per U

nit: RM

0.4650 (rounded to 4 decimal places).

Your application w

ill only be processed after 2.35 p.m. (T

he transactions are suspended from 2.15 p.m

. – 2.30 p.m

. to enable the information on new

pricing be transmitted to all A

SN

B branches and agents)

and will be re-priced w

ith the new U

nit price. You can either cancel or proceed w

ith the application at the new

price. If you decide to proceed with the transaction, your cost of purchase w

ill be as follows:

Yo

ur co

st of p

urch

ase

(a) Investment A

mount

=

RM

10,000.00

(b) Units issued to you

=

Investment A

mount

NA

V per unit

=

RM

10,000

R

M0.4650

=

21,505.38 Un

its

(c) Sales charge incurred

=

Investment am

ount x 5%

=

R

M10,000 X

5%

=

R

M500.00

(d) G

ST

on sales charge =

S

ales charge incurred x 6%

=

R

M500.00 x 6%

=

RM

30.00

(e) Total am

ount payable by you =

Investm

ent amount +

Sales

charge incurred+ GS

T on sales

charge

=

RM

10,000.00 + RM

500.00 +

RM

30.00

=

RM

10,530.00 P

lease no

te that th

e examp

le abo

ve is for illu

strative pu

rpo

ses on

ly

Illustration 4: Repurchase

You m

ay request to repurchase RM

10, 000 of your investments in A

SN

3 at 2.15 p.m. A

fter the m

id-day close of business of the Bursa M

alaysia, the NA

V of A

SN

3 has reduced by 7%

compared to the N

AV

at end of the previous Business D

ay. E

ffectively the Unit price for the afternoon session (after 2.30 p.m

.) will be re-priced as

follows:

R

e-Priced

NA

V

NA

V per U

nit, rounded to 4 decimal places

: R

M0. 4650

Your application w

ill only be processed after 2.35 p.m. (T

he transactions are suspended from

2.15 p.m. – 2.30 p.m

. to enable the information on new

pricing be transmitted to all A

SN

B

branches and agents) and will be re-priced w

ith the new unit price. Y

ou can either cancel or

proceed with the application at the new

price. If you decide to proceed with the request, the

amount you w

ill receive for the repurchase will be as follow

s:

T

otal U

nits rep

urch

ased

(a) R

epurchased Units

=

RM

10,000

RM

0.4650

=

21,505.38 un

its

(b) Net repurchase proceeds

=

Repurchased U

nits X N

AV

per U

nit

=

21,505.38 Units X

RM

0.4650

=

RM

10,000.00

Please n

ote th

at the exam

ple ab

ove is fo

r illustrative p

urp

oses o

nly.

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PEN

YATA PEN

DED

AH

AN

RISIKO PELA

BURA

N D

ALA

M U

NIT A

MA

NA

H M

ENERU

SI PINJA

MA

N

(UN

TUK TA

BUN

G U

NIT A

MA

NA

H H

ARG

A BERU

BAH

-UBA

H)

UN

IT TRUST LO

AN

FINA

NCIN

G RISK D

ISCLOSU

RE STATEMEN

T (FO

R VARIA

BLE PRICE UN

IT TRUST FU

ND

S)

Melabur di dalam

saham am

anah menerusi pinjam

an mem

punyai risiko yang lebih tinggi berbanding dengan m

enggunakan wang sendiri.

Anda hendaklah m

enilai sama ada pelaburan m

enerusi pinjaman adalah sesuai

untuk anda berdasarkan objektif anda, tanggapan anda terhadap risiko dan kedudukan kew

angan anda. Anda perlu peka terhadap risiko-risiko terbabit

seperti: 1.

Lebih tinggi had pinjaman (iaitu jum

lah wang yang dipinjam

bagi setiap ringgit w

ang anda yang diletakkan sebagai pendahuluan), m

aka lebih

tinggilah potensi

untuk m

engalami

kerugian atau

mendapat keuntungan.

2.A

nda perlu menilai sam

a ada anda berupaya mem

buat pembayaran

balik pinjam

an. Sekiranya

pinjaman

anda dibuat

dengan kadar

faedah yang berubah-ubah, dan jika berlaku kenaikan faedah, maka

jumlah bayaran balik pinjam

an anda akan meningkat.

3.Jika harga unit jatuh dibaw

ah adalah sesuatu paras harga, anda m

ungkin diminta untuk m

enyediakan cagaran tambahan yang sesuai

atau bayaran

tambahan

kepada ansuran

biasa. Jika

anda gagal

berbuat demikian di dalam

tempoh m

asa yang ditetapkan, maka

unit-unit anda mungkin dijualbalik.

4.Pendapatan dari saham

amanah adalah tidak terjam

in dan tidak tetap

setiap m

asa. Ini

bermakna

anda m

ungkin m

endapat keuntungan yang tinggi dalam

sesuatu tahun, dan mungkin akan

mengalam

i kerugian

pada tahun

yang lain.

Kemungkinan

anda m

eraih keuntungan

ataupun kerugian

bergantung kepada

masa

bilamana anda m

enjual unit-unit anda. Nilai unit-unit m

ungkin akan jatuh sem

asa anda mem

erlukan semula w

ang walaupun pelaburan

tersebut menunjukkan prestasi yang baik di m

asa lampau.

Penyata ringkas di atas tidak dapat mendedahkan sem

ua risiko-risiko dan lain-lain aspek berkenaan pem

biayaan atau pinjaman. A

nda hendaklah meneliti

secara terperinci

syarat-syarat yang

dikenakan sebelum

anda

mem

buat keputusan

untuk m

engambil

pinjaman.

Sekiranya anda

masih

ragu-ragu tentang sebarang aspek risiko ini atau syarat-syarat pinjam

an, anda hendaklah m

erujuk kepada institusi yang menaw

arkan pinjaman tersebut.

Risiko m

elabur di

dalam

unit am

anah m

elalui pinjam

an adalah

berbeza sekiranya harga unit am

anah tersebut berubah-rubah. Oleh yang dem

ikian, anda perlu m

endapatkan maklum

at berkenaan risiko-risiko tersebut daripada institusi yang m

enawarkan pinjam

an. PEN

GESA

HA

N PEN

ERIMA

AN

PENYA

TA PEN

DED

AH

AN

RISIKO

Saya mengesahkan bahaw

a telah menerim

a satu salinan Penyata Pendedahan Risiko

Pelaburan D

alam

Saham

Am

anah

Menerusi

Pinjaman

dan telah

mem

ahami isi kandungan yang telah diterangkan kepada saya.

Investing in a Unit Trust Fund W

ith Borrowed M

oney Is More Risky than

Investing with Your O

wn Savings.

You should assess if loan financing is

suitable for you in light of your

objectives, attitude to risk and financial circumstances. You should be aw

are of the risks, w

hich would include of the follow

ing: 1.

The higher the margin of financing (that is, the am

ount of money

you borrow for every ringgit of your ow

n money w

hich you put in as deposit or dow

n payment) the greater the potential for losses or

gains on your investment.

2.You should assess w

hether you have the ability to service the repaym

ents on the proposed loan. If your loan is a variable rate loan, and if interest rates rise, your total repaym

ent amount w

ill be increased.

3.If unit prices fall beyond a certain level, you m

ay be asked to provide additional

acceptable collateral

(where

here units

are used

as collateral)

or pay

additional am

ounts on

top of

your norm

al installm

ents. If you fail to comply w

ithin time prescribed, your units

may be sold tow

ards the settlement of your loan.

4.Returns on unit trusts are not guaranteed and m

ay not be earned evenly over tim

e. This means that there m

ay be some years w

here returns are high and other years w

here losses are experienced. W

hether you eventually realize a gain or loss may be affected by the

timing of the sale of your units. The value of units m

ay fall just when

you want your m

oney back even though the investment m

ay have done w

ell in the past. The brief statem

ent cannot disclose all the risks and other aspects of loan financing. You should therefore carefully study the term

s and conditions before you decide to take a loan. If you are in doubt about any aspect of this risk disclosure statem

ent or the terms of the loan financing, you should

consult the institution offering the loan. The risks of investing w

ith borrowed m

oney may differ w

hen the unit price of a unit trust fluctuates, and you should consult the institution offering the loan on these risks. A

CKNO

WLED

GM

ENT O

F RECEIPT OF RISK D

ISCLOSU

RE STATEM

ENT

I acknowledge that I have received a copy of this U

nit Trust Loan Financing Risk D

isclosure Statement and understand its contents.

Tandatangan/Signature : ___________________________________

Tarikh/Date

: ___________________________________

Nam

a Penuh/Full name : __________________________________

No. K/P/ I/C N

o. : __________________________________

No. A

hli/ Account N

o. :___________________________________

Cap Ibu Jari Kiri/Left Thumb Print

AM

AN

AH

SA

HA

M N

AS

ION

AL B

ER

HA

D (47457-V

)

1-HB/VP

PEN

YATA PEN

DED

AH

AN

RISIKO PELA

BURA

N D

ALA

M U

NIT A

MA

NA

H M

ENERU

SI PINJA

MA

N

(UN

TUK TA

BUN

G U

NIT A

MA

NA

H BERH

ARG

A TETA

P) U

NIT TRU

ST LOA

N FIN

AN

CING

RISK DISCLO

SURE STATEM

ENT

(FOR FIXED

PRICE UN

IT TRUST FU

ND

S)

Melabur di dalam

saham am

anah menerusi pinjam

an mem

punyai risiko yang lebih tinggi berbanding dengan m

enggunakan wang

sendiri. A

nda hendaklah menilai sam

a ada pelaburan menerusi pinjam

an adalah sesuai untuk anda berdasarkan objektif anda, tanggapan anda terhadap risiko dan kedudukan kew

angan anda. Anda perlu

peka terhadap risiko-risiko terbabit seperti: 1.

Lebih tinggi had pinjaman (iaitu jum

lah wang yang dipinjam

bagi

setiap ringgit

wang

anda yang

diletakkan sebagai

pendahuluan), m

aka lebih

tinggilah potensi

untuk m

engalami kerugian atau m

endapat keuntungan. 2.

Anda perlu m

enilai sama ada anda berupaya m

embuat

pembayaran

balik pinjam

an. Sekiranya

pinjaman

anda dibuat dengan kadar faedah yang berubah-ubah, dan jika berlaku

kenaikan faedah,

maka

jumlah

bayaran balik

pinjaman anda akan m

eningkat. 3.

Pulangan dari saham am

anah adalah tidak terjamin dan

tidak tetap

setiap tahun.

Ini berm

akna anda

mungkin

mendapat pulangan yang tinggi dalam

sesuatu tahun, dan tiada pulangan pada tahun yang lain. O

leh itu, risiko dari pelaburan

melalui

pinjaman

termasuk

keupayaan untuk

mem

bayar balik pinjaman di m

ana pulangan dari pelaburan unit am

anah adalah tidak sepadan dengan jumlah faedah

yang perlu dibayar untuk pinjaman tersebut.

Penyata ringkas di atas tidak dapat mendedahkan sem

ua risiko-risiko dan lain-lain aspek berkenaan pem

biayaan atau pinjaman.

Anda

hendaklah m

eneliti secara

terperinci syarat-syarat

yang dikenakan sebelum

anda mem

buat keputusan untuk mengam

bil pinjam

an. Sekiranya anda masih ragu-ragu tentang sebarang aspek

risiko ini atau syarat-syarat pinjaman, anda hendaklah m

erujuk kepada institusi yang m

enawarkan pinjam

an tersebut. PEN

GESA

HA

N PEN

ERIMA

AN

PENYA

TA PEN

DED

AH

AN

RISIKO

Saya mengesahkan bahaw

a telah menerim

a satu salinan Penyata Pendedahan

Risiko Pelaburan

Dalam

U

nit Am

anah

Menerusi

Pinjaman

dan telah

mem

ahami

isi kandungan

yang telah

diterangkan kepada saya.

Investing in a Unit Trust Fund W

ith Borrowed M

oney Is More Risky

than Investing with Your O

wn Savings.

You should assess if loan financing is suitable for you in light of your objectives, attitude to risk and financial circum

stances. You should be aw

are of the risks, which w

ould include of the following:

1.The higher the m

argin of financing (that is, the amount of

money you borrow

for every ringgit of your own m

oney w

hich you put in as deposit or down paym

ent) the greater the potential for losses as w

ell as gains. 2.

You should assess whether you have the ability to service

the repayments on the proposed loan. If your loan is a

variable rate loan, and if interest rates rise, your total repaym

ent amount w

ill be increased. 3.

Returns on unit trusts are not guaranteed and may not be

earned evenly every year. This means that there m

ay be som

e years where returns are high and other years w

here there is no return from

the investment of the unit trusts.

Hence, the inherent risk of investing w

ith borrowed m

oney includes the ability to service loan repaym

ents should the return

from

investment

in a

unit trust

fund does

not com

mensurate w

ith the interest expenses arising from the

loan. The brief statem

ent cannot disclose all the risks and other aspects of loan financing. You should therefore carefully study the term

s and conditions before you decide to take a loan. If you are in doubt about any aspect of this risk disclosure statem

ent or the terms of the

loan financing, you should consult the institution offering the loan. A

CKNO

WLED

GM

ENT O

F RECEIPT OF RISK D

ISCLOSU

RE STATEM

ENT

I acknowledge that I have received a copy of this U

nit Trust Loan Financing Risk D

isclosure Statement and understand its contents.

Tandatangan/Signature : ___________________________________

Tarikh/Date

: ___________________________________

Nam

a Penuh/Full name : __________________________________

No. K/P/ I/C N

o. : __________________________________

No. A

hli/ Account N

o. :___________________________________

Cap Ibu Jari Kiri/Left Thumb Print

AM

AN

AH

SA

HA

M N

AS

ION

AL B

ER

HA

D (47457-V

)

2-HT/FP