Untitled - Amanah Saham Nasional Berhad

Transcription

MASTER PROSPECTUS 2015//2016
www.asnb.com.my
PREFACE
The Unit Holders and potential Unit Holders of Amanah Saham Nasional (“ASN”), Amanah Saham
Nasional 2 (“ASN 2”), Amanah Saham Nasional 3 Imbang (“ASN 3”), Amanah Saham Gemilang
(“ASG”) and the three unit trust funds under its umbrella namely, Amanah Saham Pendidikan
(“ASG-Pendidikan”), Amanah Saham Kesihatan (“ASG-Kesihatan”) and Amanah Saham
Persaraan (“ASG-Persaraan”), Amanah Saham Bumiputera (“ASB”), Amanah Saham Wawasan
2020 (“ASW 2020”), Amanah Saham Malaysia (“ASM”), Amanah Saham Didik (“ASD”), Amanah
Saham 1Malaysia (“AS 1Malaysia”) and Amanah Saham Bumiputera 2 (“ASB 2”) (Collectively
known as “Funds”).
Dear Valued Investor,
On behalf of the Board of Directors of Amanah Saham Nasional Berhad (“The Manager”), we
wish to inform you that each of the Fund mentioned above has its own objective which is
mentioned in Sections 3 and 5 of this Prospectus. In order to achieve the investment objective of
the respective Funds, various strategies will be adopted, which is suitable with the Funds’
objective as mentioned in Sections 3 and 5 of this Prospectus.
Notwithstanding the above, Unit Holders of the Funds should also be aware of the inherent risks of
investing in the Funds which include among others, market risk, stock specific risk, fluctuation in
NAV and credit risk/default risk. Further information on the risk factors is detailed in Section 4 of
this Prospectus.
Therefore, investors should take into consideration the investment objectives, strategies and risks
before investing in the Funds. Please refer to Section 3 for more information on profile of investors
for each Fund. There are fees and charges that will be incurred by investors when purchasing or
redeeming units of the Funds such as sales charge, repurchase charge, annual management
fee and annual trustee’s fee. Further details of these fees and charges are disclosed in Section 8
of this Prospectus. Units of the Funds may be acquired at any of our ASNB offices or branches of
our agents throughout Malaysia. Please refer to Section 18 of this Prospectus for more information
on the Directory.
We recommend that potential investors read this Prospectus in its entirety before making an
investment decision and if you have any doubts, consult a professional adviser. If you have any
queries on our Funds, please feel free to contact our Customer and Agent Relations Department
at 03-20573000 or email us at [email protected].
Thank you.
Yours faithfully,
For and on behalf of
The Board of Directors
Amanah Saham Nasional Berhad
Tun Ahmad Sarji bin Abdul Hamid
Chairman
i
RESPONSIBILITY STATEMENT
This Prospectus has been reviewed and approved by the directors of the
Management Company and they collectively and individually accept full
responsibility for the accuracy of the information. Having made all reasonable
enquiries, they confirm to the best of their knowledge and belief, there are no false or
misleading statements, or omission of other facts which would make any statement in
the Prospectus false or misleading.
STATEMENTS OF DISCLAIMER
The Securities Commission Malaysia has authorized the Funds and a copy of this
Prospectus has been registered with the Securities Commission Malaysia.
The authorization of the Funds, and the registration of this Prospectus, should not be
taken to indicate that the Securities Commission Malaysia recommends the said Funds
or assumes responsibility for the correctness of any statement made, opinion expressed
or report contained in this Prospectus.
The Securities Commission Malaysia is not liable for any non-disclosure on the part of
the Management Company responsible for the said Funds and takes no responsibility
for the contents in this Prospectus. The Securities Commission Malaysia makes no
representation on the accuracy or completeness of this Prospectus, and expressly
disclaims any liability whatsoever arising from, or in reliance upon, the whole or any
part of its contents.
INVESTORS SHOULD RELY ON THEIR OWN EVALUATION TO ASSESS THE MERITS AND RISKS
OF THE INVESTMENT. IF INVESTORS ARE UNABLE TO MAKE THEIR OWN EVALUATION, THEY
ARE ADVISED TO CONSULT PROFESSIONAL ADVISERS.
No units will be issued or sold based on this Prospectus later than one year after the
date of this Prospectus.
Investors should note that they may seek recourse under the Capital Markets and
Services Act 2007 for breaches of securities laws and regulations including any
statement in the Prospectus that is false, misleading, or from which there is a material
omission; or for any misleading or deceptive act in relation to the Prospectus or the
conduct of any other person in relation to the Funds.
ii
www.asnb.com.my
ASNB MASTER PROSPECTUS 2015/2016
TABLE OF CONTENTS
SECTION
PAGE
1
GLOSSARY OF TERMS/ABBREVIATIONS
1
2
CORPORATE DIRECTORY
4
3
KEY DATA
3.1
ASN
3.2
ASN 2
9
9
3.3
3.4
3.5
3.6
3.7
3.8
3.9
3.10
3.11
3.12
3.13
3.14
4
5
ASN 3
ASG
ASB
ASW 2020
ASM
ASD
AS1Malaysia
ASB 2
List of Deeds
Fees&Charges – Variable Price (ASN, ASN 2, ASN 3 AND ASG)
Fees&Charges- FIXED PRICE (ASB, ASW 2020, ASM, ASD, AS 1MALAYSIA and
ASB 2)
Transaction Information
10
11
12
15
16
17
18
19
20
22
23
24
25
RISK FACTORS
4.1
General Risks of Investing in Unit Trust Fund
4.2
Specific Investment Risks of Investing
32
INFORMATION ON THE FUNDS
37
5.1
5.2
5.3
37
39
40
40
43
45
47
50
52
55
57
60
63
66
5.4
General Information on The Funds’ Objective and Strategy
General Information on the Benchmarks
General Information of the Funds
ASN
5.3.1
ASN 2
5.3.2
ASN 3
5.3.3
The Three Funds Under the Umbrella of ASG
5.3.4
ASB
5.3.5
ASW 2020
5.3.6
ASM
5.3.7
ASD
5.3.8
AS 1Malaysia
5.3.9
ASB 2
5.3.10
Potential Risks associated with the Funds
32
34
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5.5
5.6
5.7
Control of the Risks
Bases of Valuation for Investments
Policy in Respect of Valuatuon Point(s) to Determine the NAV of the Fund
66
66
68
6
PERFORMANCE OF THE FUNDS
6.1
Changes in Benchmark
6.2
Basis of Calculations and Assumptions in Calculation of Returns
6.3
Performance of ASN
6.4
Performance of ASN 2
6.5
Performance of ASN 3
6.6
Performance of ASG
6.7
Performance of ASB
6.8
Performance of ASW 2020
6.9
Performance of ASM
6.10
Performance of ASD
6.11
Performance of AS 1Malaysia
6.12
Performance of ASB 2
69
69
69
72
74
76
78
81
82
83
84
85
86
7
HISTORICAL FINANCIAL HIGHLIGHTS OF THE FUND
7.1
An Extract on The Funds’ Audited Financial Statements For The Last Three
Financial Years
87
7.2
7.3
7.4
7.5
7.6
7.7
7.8
7.9
7.10
7.11
7.12
7.13
87
88
89
89
91
92
92
92
93
93
93
94
8
ASN
ASN 2
ASN 3
The Three Funds Under the Umbrella of ASG
ASB
ASW 2020
ASM
ASD
AS 1Malaysia
ASB 2
Total Annual Expenses Incurred by the Funds
Management Expense Ratio (MER)
87
FEES, CHARGES AND EXPENSES
8.1
Charges and Fees Directly Incurred When Purchasing Or Selling Units Of The
Funds
97
8.2
97
Charges And Fees Indirectly Incurred
97
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9
10
11
12
TRANSACTION INFORMATION
9.1
Valuation Points For The Purpose of Determining the NAV
9.2
NAV for ASN, ASN 2, ASN 3, ASG-Pendidikan, ASG-Kesihatan and ASGPersaraan
9.3
Pricing Policy
9.4
Single Pricing Policy for ASN, ASN 2, ASN 3, ASG-Pendidikan, ASG-Kesihatan
and ASG-Persaraan
9.5
Transaction Details
9.6
Payment of Income Distribution
9.7
Additional Information
102
102
MANAGEMENT AND ADMINISTRATION
10.1
General Information on ASNB
10.2
The Board of Directors
10.3
Company Secretary
10.4
Key Management Staff
10.5
Senior Compliance Officer
10.6
Financial Information on ASNB
10.7
Roles, Duties and Responsibilities of The Management Company
10.8
Functions Of The Investment Committees of the Funds
10.9
The Investment Manager
10.10
Retirement, Removal or Replacement of the Management Company
10.11
Powers of the Management Company to Remove the Trustee
10.12
Disclosure of Current Material Litigation and Arbitration
119
119
119
123
124
126
126
126
127
130
143
144
145
TRUSTEE
11.1
11.2
11.3
11.4
11.5
11.6
11.7
11.8
11.9
General Information
Financial Information
Board of Directors
Key Management Staff
Duties and Obligations
Retirement, Removal and Replacement
Power of Trustee to Remove or Replace the Manager
Statement of Responsibility
Disclosure of Current Material Litigation and Arbitration
SALIENT TERMS OF THE DEED
12.1
Rights and Liabilities of Unit Holders
12.2
Maximum Fees and Charges Permitted By the Deed
12.3
Increase In Fees and Charges From The Level Disclosed In The Prospectus
and the Maximum Rate Provided In The Deed
12.4
Permitted Expenses Payable Out Of The Funds’ Property
12.5
Removal, Retirement and Replacement of The Manager and The Trustee
12.6
Termination of The Fund
12.7
Unit Holders’ Meeting
102
103
103
108
111
113
146
146
146
147
147
147
148
149
149
149
150
150
154
157
158
167
167
172
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13
RELATED PARTY TRANSACTIONS/CONFLICT OF INTEREST
13.1
Existing and Potential Related Party Transactions
13.2
Conflict of Interest
13.3
Policies on Dealing with Conflict of Interest Situations
13.4
Details Of ASNB’s Directors’ Direct and Indirect Interest In Other
Corporations Carrying on a Similar Business
13.5
Details of ASNB’s Substantial Shareholders’ Direct and Indirect Interest In
Other Corporations Carrying on a Similar Business
13.6
Declaration of Conflict of Interest
178
14
TAXATION OF THE FUNDS
181
15
CONSENTS
182
16
APPROVAL AND CONDITIONS
16.1
Exemptions and Variations
183
16.2
Specification From Securities Commission To The Fixed Price Funds on the
Application of MFRS
178
178
179
180
180
180
183
196
17
DOCUMENTS AVAILABLE FOR INSPECTION
197
18
DIRECTORY
18.1
ASNB Offices
198
18.2
Customer and Agent Relations Department
198
201
19
LIST OF AGENTS
202
20
APPLICATION FORMS AND LOAN FINANCING DISCLOSURE STATEMENT
203
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Illustration:
Computation of the NAV per Unit at each Valuation Point is illustrated below:
RM
Quoted Investments
Liquid Assets
Other Assets
231,000,000
34,500,000
6,100,000
271,600,000
Less:Liabilities
Net Asset Value
(16,500,000)
255,100,000
Units in Circulation (Units)
326,500,000
Net Asset Value per Unit
=
NAV per Unit, rounded to 4 decimal
places
Net Asset Value
Units In Circulation
=
RM255,100,000
326,500,000 Units
=
RM0.7813
Please note that the example above is for illustrative purpose only.
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Illustration 1: If you are making an investment:
(i)
(ii)
(iii)
(iv)
Assuming the amount you wish to invest (“Investment amount”): RM10,000.00 in ASN.
NAV per Unit : RM0.5000
Sales charge : 5%
GST
: 6% on sales charge
a) Units issued to you
(b) Sales charge Incurred
=
Investment amount
NAV per Unit
=
RM10,000
RM0.5000
=
20,000 units
=
=
=
Investment amount x 5%
RM10,000 X 5%
RM500.00
GST on sales charge
=
(c)
5HSXUFKDVLQJDQLQYHVWPHQW
=
=
(d) Total amount payable
by you
=
=
=
Sales charge incurred x 6%
RM500.00 X 6%
RM30.00
Investment amount + Sales charge incurred +
GST on sales charge
RM10,000 + RM500.00 + RM30.00
RM10,530.00
The rounding up of the NAV per Unit will be up to four decimal places. The total amount paid will be
subjected to the rounding mechanism.
Please note that the example above is for illustrative purposes only.
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Illustration 2: If you wish to request for repurchase of your investment
(i) Assuming amount you wish to repurchase: RM10, 000.00 in ASN.
(ii) NAV per Unit : RM0.5000
Repurchase charge : Nil
(iii)
(a) Repurchased units
=
Amount paid
NAV per Unit
=
RM10,000
RM0.5000
=
20,000 Units
(b) Repurchase charge
=
NAV per Unit x Repurchase charge per Unit
per Unit
=
RM0.5000 x 0%
=
RM0
(c) Total repurchase charge
=
Repurchase charge per unit x Repurchased units
=
RM0 x 20,000 units
=
RM0
(d)
Net
repurchase
=
Amount
repurchased – Repurchase charge
proceeds
=
RM10,000 – RM0
=
RM10,000
The rounding up of the NAV per Unit will be up to four decimal places. The total amount paid will be
subjected to a rounding mechanism.
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Illustration 3: Re-Price:
However, if the Fund’s NAV as at the mid-day Valuation Point differs by more than 5% from the NAV as
at last Valuation Point, the Unit will be re-priced after the start of business of the Bursa Malaysia at 2.30
p.m.
You submit an application to invest RM10,000 in ASN 3 at 2.15 p.m.:
NAV of ASN 3: Published Price - NAV per Unit: RM0.5000 (rounded to 4 decimal places).
After the mid-day close of business of the Bursa Malaysia, the NAV of ASN 3 has reduced by 7%
compared to the NAV at end of the previous Business Day.
Effectively the Unit price for the afternoon session (after 2.30 p.m.) will be re-priced as follows:
NAV of ASN 3: Re-Priced NAV - NAV per Unit: RM0.4650 (rounded to 4 decimal places).
Your application will only be processed after 2.35 p.m. (The transactions are suspended from 2.15 p.m.
– 2.30 p.m. to enable the information on new pricing be transmitted to all ASNB branches and agents)
and will be re-priced with the new Unit price. You can either cancel or proceed with the application at
the new price. If you decide to proceed with the transaction, your cost of purchase will be as follows:
ϭϬϱ
Your cost of purchase
(a) Investment Amount
(b) Units issued to you
=
=
=
RM10,000.00
Investment Amount
NAV per unit
RM10,000
RM0.4650
=
21,505.38 Units
=
=
Investment amount x 5%
RM10,000 X 5%
=
RM500.00
(d) GST on sales charge
=
=
=
Sales charge incurred x 6%
RM500.00 x 6%
RM30.00
(e) Total amount payable by you
=
(c) Sales charge incurred
=
=
Investment amount + Sales
charge incurred+ GST on sales
charge
RM10,000.00 + RM500.00 +
RM30.00
RM10,530.00
Please note that the example above is for illustrative purposes only
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Illustration
4: Repurchase
You may request to repurchase RM10, 000 of your investments in ASN 3 at 2.15 p.m. After
the mid-day close of business of the Bursa Malaysia, the NAV of ASN 3 has reduced by 7%
compared to the NAV at end of the previous Business Day.
Effectively the Unit price for the afternoon session (after 2.30 p.m.) will be re-priced as
follows:
Re-Priced NAV
NAV per Unit, rounded to 4 decimal places
:
RM0. 4650
Your application will only be processed after 2.35 p.m. (The transactions are suspended from
2.15 p.m. – 2.30 p.m. to enable the information on new pricing be transmitted to all ASNB
branches and agents) and will be re-priced with the new unit price. You can either cancel or
proceed with the application at the new price. If you decide to proceed with the request, the
amount you will receive for the repurchase will be as follows:
Total Units repurchased
(a) Repurchased Units
=
=
(b) Net repurchase proceeds
=
=
=
RM10,000
RM0.4650
21,505.38 units
Repurchased Units X NAV per
Unit
21,505.38 Units X RM0.4650
RM10,000.00
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AMANAH SAHAM NASIONAL BERHAD (47457-V)
PENYATA PENDEDAHAN RISIKO PELABURAN DALAM UNIT AMANAH MENERUSI PINJAMAN
(UNTUK TABUNG UNIT AMANAH HARGA BERUBAH-UBAH)
UNIT TRUST LOAN FINANCING RISK DISCLOSURE STATEMENT
(FOR VARIABLE PRICE UNIT TRUST FUNDS)
Melabur di dalam saham amanah menerusi pinjaman mempunyai risiko
yang lebih tinggi berbanding dengan menggunakan wang sendiri.
Anda hendaklah menilai sama ada pelaburan menerusi pinjaman adalah sesuai
untuk anda berdasarkan objektif anda, tanggapan anda terhadap risiko dan
kedudukan kewangan anda. Anda perlu peka terhadap risiko-risiko terbabit
seperti:
1.
2.
3.
4.
Lebih tinggi had pinjaman (iaitu jumlah wang yang dipinjam bagi
setiap ringgit wang anda yang diletakkan sebagai pendahuluan),
maka lebih tinggilah potensi untuk mengalami kerugian atau
mendapat keuntungan.
Anda perlu menilai sama ada anda berupaya membuat pembayaran
balik pinjaman. Sekiranya pinjaman anda dibuat dengan kadar
faedah yang berubah-ubah, dan jika berlaku kenaikan faedah, maka
jumlah bayaran balik pinjaman anda akan meningkat.
Jika harga unit jatuh dibawah adalah sesuatu paras harga, anda
mungkin diminta untuk menyediakan cagaran tambahan yang sesuai
atau bayaran tambahan kepada ansuran biasa. Jika anda gagal
berbuat demikian di dalam tempoh masa yang ditetapkan, maka
unit-unit anda mungkin dijualbalik.
Pendapatan dari saham amanah adalah tidak terjamin dan tidak
tetap setiap masa. Ini bermakna anda mungkin mendapat
keuntungan yang tinggi dalam sesuatu tahun, dan mungkin akan
mengalami kerugian pada tahun yang lain. Kemungkinan anda
meraih keuntungan ataupun kerugian bergantung kepada masa
bilamana anda menjual unit-unit anda. Nilai unit-unit mungkin akan
jatuh semasa anda memerlukan semula wang walaupun pelaburan
tersebut menunjukkan prestasi yang baik di masa lampau.
Penyata ringkas di atas tidak dapat mendedahkan semua risiko-risiko dan lainlain aspek berkenaan pembiayaan atau pinjaman. Anda hendaklah meneliti
secara terperinci syarat-syarat yang dikenakan sebelum anda membuat
keputusan untuk mengambil pinjaman. Sekiranya anda masih ragu-ragu
tentang sebarang aspek risiko ini atau syarat-syarat pinjaman, anda hendaklah
merujuk kepada institusi yang menawarkan pinjaman tersebut.
Risiko melabur di dalam unit amanah melalui pinjaman adalah berbeza
sekiranya harga unit amanah tersebut berubah-rubah. Oleh yang demikian,
anda perlu mendapatkan maklumat berkenaan risiko-risiko tersebut daripada
institusi yang menawarkan pinjaman.
Investing in a Unit Trust Fund With Borrowed Money Is More Risky than
Investing with Your Own 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 aware
of the risks, which would include of the following:
1.
2.
3.
4.
The higher the margin of financing (that is, the amount of money
you borrow for every ringgit of your own money which you put in as
deposit or down payment) the greater the potential for losses or
gains on your investment.
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 repayment amount will be
increased.
If unit prices fall beyond a certain level, you may be asked to provide
additional acceptable collateral (where here units are used as
collateral) or pay additional amounts on top of your normal
installments. If you fail to comply within time prescribed, your units
may be sold towards the settlement of your loan.
Returns on unit trusts are not guaranteed and may not be earned
evenly over time. This means that there may be some years where
returns are high and other years where losses are experienced.
Whether you eventually realize a gain or loss may be affected by the
timing of the sale of your units. The value of units may fall just when
you want your money back even though the investment may have
done well in the past.
The brief statement cannot disclose all the risks and other aspects of loan
financing. You should therefore carefully study the terms and conditions
before you decide to take a loan. If you are in doubt about any aspect of this
risk disclosure statement or the terms of the loan financing, you should
consult the institution offering the loan.
The risks of investing with borrowed money may differ when the unit price of
a unit trust fluctuates, and you should consult the institution offering the loan
on these risks.
ACKNOWLEDGMENT OF RECEIPT OF RISK DISCLOSURE STATEMENT
I acknowledge that I have received a copy of this Unit Trust Loan Financing
Risk Disclosure Statement and understand its contents.
PENGESAHAN PENERIMAAN PENYATA PENDEDAHAN RISIKO
Saya mengesahkan bahawa telah menerima satu salinan Penyata Pendedahan
Risiko Pelaburan Dalam Saham Amanah Menerusi Pinjaman dan telah
memahami isi kandungan yang telah diterangkan kepada saya.
Tandatangan/Signature : ___________________________________
Tarikh/Date
: ___________________________________
Nama Penuh/Full name : __________________________________
No. K/P/ I/C No.
No. Ahli/ Account No.
: __________________________________
:___________________________________
Cap Ibu Jari Kiri/Left Thumb Print
2-HT/FP
AMANAH SAHAM NASIONAL BERHAD (47457-V)
PENYATA PENDEDAHAN RISIKO PELABURAN DALAM UNIT AMANAH MENERUSI PINJAMAN
(UNTUK TABUNG UNIT AMANAH BERHARGA TETAP)
UNIT TRUST LOAN FINANCING RISK DISCLOSURE STATEMENT
(FOR FIXED PRICE UNIT TRUST FUNDS)
Melabur di dalam saham amanah menerusi pinjaman mempunyai
risiko yang lebih tinggi berbanding dengan menggunakan wang
sendiri.
Anda hendaklah menilai sama ada pelaburan menerusi pinjaman
adalah sesuai untuk anda berdasarkan objektif anda, tanggapan
anda terhadap risiko dan kedudukan kewangan anda. Anda perlu
peka terhadap risiko-risiko terbabit seperti:
Investing in a Unit Trust Fund With Borrowed Money Is More Risky
than Investing with Your Own 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 aware of the risks, which would include of the following:
1.
1.
2.
3.
Lebih tinggi had pinjaman (iaitu jumlah wang yang dipinjam
bagi setiap ringgit wang anda yang diletakkan sebagai
pendahuluan), maka lebih tinggilah potensi untuk
mengalami kerugian atau mendapat keuntungan.
Anda perlu menilai sama ada anda berupaya membuat
pembayaran balik pinjaman. Sekiranya pinjaman anda
dibuat dengan kadar faedah yang berubah-ubah, dan jika
berlaku kenaikan faedah, maka jumlah bayaran balik
pinjaman anda akan meningkat.
Pulangan dari saham amanah adalah tidak terjamin dan
tidak tetap setiap tahun. Ini bermakna anda mungkin
mendapat pulangan yang tinggi dalam sesuatu tahun, dan
tiada pulangan pada tahun yang lain. Oleh itu, risiko dari
pelaburan melalui pinjaman termasuk keupayaan untuk
membayar balik pinjaman di mana pulangan dari pelaburan
unit amanah adalah tidak sepadan dengan jumlah faedah
yang perlu dibayar untuk pinjaman tersebut.
Penyata ringkas di atas tidak dapat mendedahkan semua risikorisiko dan lain-lain aspek berkenaan pembiayaan atau pinjaman.
Anda hendaklah meneliti secara terperinci syarat-syarat yang
dikenakan sebelum anda membuat keputusan untuk mengambil
pinjaman. Sekiranya anda masih ragu-ragu tentang sebarang aspek
risiko ini atau syarat-syarat pinjaman, anda hendaklah merujuk
kepada institusi yang menawarkan pinjaman tersebut.
PENGESAHAN PENERIMAAN PENYATA PENDEDAHAN RISIKO
2.
3.
The higher the margin of financing (that is, the amount of
money you borrow for every ringgit of your own money
which you put in as deposit or down payment) the greater
the potential for losses as well as gains.
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
repayment amount will be increased.
Returns on unit trusts are not guaranteed and may not be
earned evenly every year. This means that there may be
some years where returns are high and other years where
there is no return from the investment of the unit trusts.
Hence, the inherent risk of investing with borrowed money
includes the ability to service loan repayments should the
return from investment in a unit trust fund does not
commensurate with the interest expenses arising from the
loan.
The brief statement cannot disclose all the risks and other aspects of
loan financing. You should therefore carefully study the terms and
conditions before you decide to take a loan. If you are in doubt
about any aspect of this risk disclosure statement or the terms of the
loan financing, you should consult the institution offering the loan.
ACKNOWLEDGMENT OF RECEIPT OF RISK DISCLOSURE STATEMENT
I acknowledge that I have received a copy of this Unit Trust Loan
Financing Risk Disclosure Statement and understand its contents.
Saya mengesahkan bahawa telah menerima satu salinan Penyata
Pendedahan Risiko Pelaburan Dalam Unit Amanah Menerusi
Pinjaman dan telah memahami isi kandungan yang telah
diterangkan kepada saya.
Tandatangan/Signature : ___________________________________
Tarikh/Date
: ___________________________________
Nama Penuh/Full name : __________________________________
No. K/P/ I/C No.
No. Ahli/ Account No.
: __________________________________
:___________________________________
Cap Ibu Jari Kiri/Left Thumb Print

Untitled - Amanah Saham Nasional Berhad

Transcription

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