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DBS Bank (Hong Kong) Limited is not your investment adviser or acting in any fiduciary capacity to you. The above information is not and shall not be considered as investment advice. It does not constitute any offer or solicitation of offer to subscribe, transact or redeem any investment product. Investment involves risk. Past performances are not indicative of future performances. You should not rely on the above information alone to make any investment decision. You should carefully read the investment fund offering documentation for detailed product information and risk factors prior to making any investment. If you have any doubt on this material or any offering documentation, you should seek independent professional advice.

Funds are investment products. The investment decision is yours but you should not invest in the product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Morningstar Associates, LLC, a registered investment advisor registered with the United States Securities and Exchange Commission, and a wholly owned subsidiary of Morningstar, Inc., provides consulting services to DBS Bank (Hong Kong) Limited ("DBSHK"). Any references to specific securities are for informational purposes only and therefore should not be considered a recommendation to buy or sell a security. Morningstar Associates acts as a consultant to DBSHK and does not provide advice to DBSHK" investment clients. Neither Morningstar Associates nor Morningstar, Inc. acts as an investment advisor to the client or customer of DBSHK. DBSHK has engaged the services of Morningstar Associates to preserve the independence and objectivity of the analyses provided. Morningstar Associates does not have any discretionary authority or control over purchasing or selling securities or making other decisions for investors. The consulting services are for informational purposes only and does not constitute investment advice. Morningstar Associates does not provide individualized advice to any investor, does not determine client suitability, and does not take into account any information about any investor or any investor's assets. Individual investors should ultimately rely on their own judgment and/or the judgment of a financial advisor in making their investment decisions. Morningstar Associates makes no warranties, expressed or implied, as to results to be obtained from the use of information it provides. Morningstar Associates is not responsible for the presentation of fund performance statistics and other fund data.

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