Common use of Investment guarantees Clause in Contracts

Investment guarantees. The fund does not guarantee the performance of your investment. You carry the investment and market risk, which includes the possibility of losing capital. The market value of your investment may go up or down depending on the market value of the assets underlying your selected unit trust portfolios. If your selected unit trust portfolios have international assets, a change in the exchange rates may cause the value of those investments to rise and fall. Past performance is also not necessarily an indication of what will happen in the future. Unit trust portfolios are generally medium- to long-term investments.

Investment guarantees. The fund does We do not guarantee the performance of your investment. You carry the investment and market risk, which includes the possibility of losing capital. The market value of your investment unit trust portfolio may go up or down depending on the market value of the assets underlying in your selected unit trust portfoliosportfolio. If your selected unit trust portfolios have portfolio has international assets, a change in the exchange rates may cause the value of those investments to rise and fall. Past performance is also not necessarily an indication of what will happen in the future. Unit trust portfolios are generally medium- to long-term investments.

Investment guarantees. The fund does not guarantee the performance of your investment. You carry the investment and market risk, which includes the possibility of losing capital. The market value of your investment may go up or down depending on the market value of the assets underlying your selected unit trust portfolios. If your selected unit trust portfolios have international assets, a change in the exchange rates may cause the value of those investments to rise and fall. Past performance is also not necessarily an indication of what will happen in the future. Unit trust portfolios are generally medium- medium-to long-term investments.