AMB SECOND CAPITAL GUARANTEED TRUST FUND (AMB2CGTF)
Type of Fund	Capital Guaranteed
Category of Fund	Fixed Income Fund
Investment Objective	Seeks to provide capital appreciation over the medium-term while providing 100% capital guarantee on the Maturity Date. Any material changes to the investment objective of the Fund would require Unit Holders’ approval.
Approved Fund Size of AMB2CGTF	The approved fund size for AMB2CGTF is 900 million units.
Investor Profile	The Fund is suitable for investors with the following profile:- Medium-term investors with lower risk appetite. Retirees or those nearing retirement. Depositors who are looking for a product that provides a degree of certainty over capital protection. Investors who have yet to invest in unit trusts and want to diversify their portfolio from existing fixed deposits.
Benefits for Investors	100% Capital Guaranteed The Fund’s portfolio is structured to ensure that your capital is preserved by selecting low risk debt instruments whilst seeking to realize the potential growth of equity investments.  Potential growth is applicable to the portion of the Fund that is invested in a diversified portfolio of equities and equity related securities.    Protection against Early Termination Apart from obtaining no less than the Capital Guaranteed Value at Maturity Date, Unit Holders shall also have the added assurance that the Fund shall not be terminated before the Maturity Date other than by the Full satisfaction of the Guaranteed Amount at Maturity Date or liquidation of the Guarantor before the Maturity Date. Profit Lock-in for Equity Investments The Manager will follow a strict discipline with regards to equity investments whereby we will take profits at the targeted level.
Asset Allocation	The Fund intends to have 85% - 95%, depending on the prevailing interest rates, invested in ZNIDs on the Commencement Date. Thereafter, the is no limit so long as the guaranteed amount is intact. The remaining portion will be invested in equities, fixed income securities or cash and equivalents.
Performance Benchmark	The Benchmark to be used by the Manager in measuring the performance of the Fund will be the current Maybank 3-month Fixed Deposit rate.

Investors are advised to read and understand the contents of the Prospectus dated 25 April 2006 (close ended fund) before investing. This prospectus has been registered and lodge with the Securities Comission. Among others, investors should consider the fees and charges involved. The price of units and distributions payable, if any, may go down as well as up. Past performance of the fund should not be taken as indicative of its future performance. Units for redemption will only be issued on receipt of a redemption application form, which are obtainable at Amanah Mutual Berhad or any Mayban distribution branches.

The Guarantor of the Fund is United Overseas Bank (Malaysia) Bhd (“UOB” Malaysia), which has been accorded an AA1 rating by Rating Agency Malaysia Berhad.UOB provides this guarantee to the trustee on behalf of the unit holders who hold their investments until maturity. Redemption of units before the maturity date would be based on the NAV of the Fund on that day and would be charged an exit fee. Therefore, the guarantee in this case does not apply. There may be a dilution of performance due to the guarantee structure being in place compared to a non-guaranteed conventional Fund. The guarantee is also subject to the credit risk of the guarantor and it does not give any assurance to the future solvency of the guarantor. The guarantee may be terminated under certain circumstances as described in the Prospectus of the Fund or further details on the guarantee, investors are advised to read and understand the contents of the guarantee documents of the Fund, which may be inspected, without charge at AMB.