Date: 3 August 2015
Date: 3 August 2015
RHB INCOME FUND 2
RHB INCOME FUND 2
RESPONSIBILITY STATEMENT
This Product Highlights Sheet has been reviewed and approved by the directors of RHB Asset Management
RESPONSIBILITY STATEMENT
Sdn Bhd 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
This Product Highlights Sheet has been reviewed and approved by the directors of RHB Asset Management
or misleading statements, or omission of other facts which would make any statement in the Product Highlights
Sdn Bhd and they collectively and individually accept full responsibility for the accuracy of the information.
Sheet false or misleading.
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 Product Highlights
Sheet false or misleading.
STATEMENT OF DISCLAIMER
The Securities Commission Malaysia has authorised the issuance of RHB Income Fund 2 and a copy of this
STATEMENT OF DISCLAIMER
Product Highlights Sheet has been lodged with the Securities Commission Malaysia.
The Securities Commission Malaysia has authorised the issuance of RHB Income Fund 2 and a copy of this
The authorisation of the RHB Income Fund 2 and lodgement of this Product Highlights Sheet, should not be
Product Highlights Sheet has been lodged with the Securities Commission Malaysia.
taken to indicate that the Securities Commission Malaysia recommends the RHB Income Fund 2 or assumes
responsibility for the correctness of any statement made or opinion or report expressed in this Product
The authorisation of the RHB Income Fund 2 and lodgement of this Product Highlights Sheet, should not be
Highlights Sheet.
taken to indicate that the Securities Commission Malaysia recommends the RHB Income Fund 2 or assumes
responsibility for the correctness of any statement made or opinion or report expressed in this Product
The Securities Commission Malaysia is not liable for any non-disclosure on the part of RHB Asset Management
Highlights Sheet.
Sdn Bhd responsible for the RHB Income Fund 2 and takes no responsibility for the contents of this Product
Highlights Sheet. The Securities Commission Malaysia makes no representation on the accuracy or
The Securities Commission Malaysia is not liable for any non-disclosure on the part of RHB Asset Management
completeness of this Product Highlights Sheet, and expressly disclaims any liability whatsoever arising from, or
Sdn Bhd responsible for the RHB Income Fund 2 and takes no responsibility for the contents of this Product
in reliance upon, the whole or any part of its contents.
Highlights Sheet. The Securities Commission Malaysia makes no representation on the accuracy or
completeness of this Product Highlights Sheet, and expressly disclaims any liability whatsoever arising from, or
in reliance upon, the whole or any part of its contents.
This Product Highlights Sheet only highlights the key features and risks of RHB Income Fund 2. Investors are
advised to request, read and understand the Master Prospectus and its supplementary(ies) (if any) before deciding
to invest.
PRODUCT HIGHLIGHTS SHEET
This Product Highlights Sheet only highlights the key features and risks of RHB Income Fund 2. Investors are
advised to request, read and understand the Master Prospectus and its supplementary(ies) (if any) before deciding
RHB INCOME FUND 2
to invest.
Name of Fund
RHB Income Fund 2 (“Fund”).
Fund Category
Bond fund.
Fund Type
Income fund.
PRODUCT HIGHLIGHTS SHEET
RHB INCOME FUND 2
Commencement Date
26 February 2003.
Name
Fund
CapitalofProtected
RHB Income Fund 2 (“Fund”).
No.
Fund Category
Bond fund.
Fund Type
Income fund.
PRODUCT SUITABILITY
WHO IS THE PRODUCT
Commencement
Date SUITABLE FOR?
26 February 2003.
This Fund is suitable for conservative investors who seek a steady income stream from their investments and have a low to moderate risk
Capital Protected
No.
tolerance with a medium to long term* investment horizon.
*Note: “medium to long term” in this context refers to a period of between 3 - 7 years.
PRODUCT SUITABILITY
KEY PRODUCT FEATURES
WHO IS THE PRODUCT SUITABLE FOR?
WHAT ARE YOU INVESTING IN?
This Fund is suitable for conservative investors who seek a steady income stream from their investments and have a low to moderate risk
This
Fundwith
aims
to provide
higher than
average income^ returns compared to fixed deposits over the medium to long term*
tolerance
a medium
to investors
long term*with
investment
horizon.
period through investments in a portfolio of predominantly quality fixed income securities with minimum risk to capital invested.
*Note: “medium to long term” in this context refers to a period of between 3 - 7 years.
Note: ^The income is in the form of units. Please refer to the Fund’s distribution mode.
KEY PRODUCT FEATURES
Investment Strategy
WHAT ARE YOU INVESTING IN?
This Fund seeks to achieve its investment objective by investing substantially all of its assets in fixed income securities (comprising amongst
This Fund
aims to provide
investors redeemable
with higher than
income^
returns compared
fixed and/or
deposits
over the medium
to long term*
others
of convertible
debt securities,
debt average
securities,
bonds/securities
that are to
issued
guaranteed
by the government
or
period through investments
a portfoliobonds
of predominantly
quality
fixed
income
withServices
minimumBerhad
risk to capital
invested. rating by any
quasi-government
agencies,incorporate
carrying at least
BBB
ratings
bysecurities
RAM Rating
or its equivalent
Note: ^The
is in the form
of units.
Please
refer to the
Fund’s distribution
mode.
other
ratingincome
establishment
and fixed
income
collective
investments
schemes),
money market instruments, cash and deposits with any
financial institutions. Although the Fund is actively managed, how active or the frequency of its trading strategy will very much depend on
Investment Strategy
market opportunities.
For
the Manager
in managing
the
principal risks
such
as country
riskincome
and currency
risk(comprising
will always take
into
Thisinvestments
Fund seeks in
to foreign
achievemarkets,
its investment
objective
by investing
substantially
all of
its assets
in fixed
securities
amongst
consideration
its evaluation
of the historical
developments
and its bonds/securities
prior experience that
in such
Such guaranteed
practice will by
bethe
managed
through
others of convertible
debt securities,
redeemable
debt securities,
are markets.
issued and/or
government
or
active
managementagencies,
and constant
reviewbonds
of thecarrying
economic
developments
the countries
willrating
ultimately
be
quasi-government
corporate
at and
leastpolitical
BBB ratings
by RAM of
Rating
Servicesinvested.
Berhad orInvestments
its equivalent
by any
made
based
on
risk-reward.
other rating establishment and fixed income collective investments schemes), money market instruments, cash and deposits with any
financial
institutions. Although
theand
Fund
is activelyemployed
managed,
active or include
the frequency
of its trading
will very much
depend
The risk management
strategies
techniques
byhow
the Manager
diversification
of thestrategy
Fund’s investments
in terms
of on
its
market
opportunities.
exposure
to various industries, sectors and asset classes/type of investments (i.e. fixed income, money market instruments). Financial
derivatives
may
also
be
used
for
hedging
purposes
where
appropriate.
Generally,
the
assets
of
the
Fund
will
be
invested
over
a
medium
to
For investments in foreign markets, the Manager in managing the principal risks such as country risk and currency risk will always take into
long term period
with disposal
ofhistorical
the investments
when and
necessary
control risk
as well
as to optimise
capital
The Fund
also
consideration
its evaluation
of the
developments
its priortoexperience
in such
markets.
Such practice
willgains.
be managed
through
complies
with the permitted
investments
imposed
by developments
the SecuritiesofCommission
Malaysia.
to will
these
permitted
active
management
and constant
review ofand
therestrictions
economic and
political
the countries
invested.Adherence
Investments
ultimately
be
investments
restrictions also help the Manager to risk-manage the Fund’s portfolio in terms of diversification. Moreover, the Manager in
made based and
on risk-reward.
making its investment decisions shall at all times comply with the investment restrictions of the Fund and requirements as set out in the
The risk management strategies and techniques employed by the Manager include diversification of the Fund’s investments in terms of its
deed.
exposure to various industries, sectors and asset classes/type of investments (i.e. fixed income, money market instruments). Financial
derivatives may also be used for hedging purposes where appropriate.
Generally, the assets of the Fund will be invested over a medium to
Benchmark
long term period with disposal of the investments when necessary to control risk as well as to optimise capital gains. The Fund also
complies with
permitted
investments
and restrictions imposed by the Securities Commission Malaysia. Adherence to these permitted
12-month
fixedthe
deposit
rate by
Maybank Berhad.
investments
and
restrictions
also help
the Manager
torisk
risk-manage
thebenchmark.
Fund’s portfolio in terms of diversification. Moreover, the Manager in
Note: The risk
profile
of the Fund
is different
from the
profile of the
making its investment decisions shall at all times comply with the investment restrictions of the Fund and requirements as set out in the
deed.
Distribution Mode
Benchmark
Distribution, if any, after deduction of taxation and expenses (i.e.
net distribution), will be reinvested to purchase additional units of the Fund
based on the Net Asset Value per unit as at the first Business Day when units in the Fund are quoted ex-entitlement. Allotment of such units
12-month
fixedtwo
deposit
rate bythereafter.
Maybank Berhad.
shall
be within
(2) weeks
Note: The risk profile of the Fund is different from the risk profile of the benchmark.
Distribution Policy
Distribution Mode
Consistent with the Fund’s objective to provide investors with higher than average income^ returns compared to fixed deposits, the Fund will
Distribution,
if any, afterportion
deduction
of taxation
and
expenses
net distribution),
be deduction
reinvestedof
to taxation
purchaseand
additional
unitsare
of generally
the Fund
distribute
a substantial
of its
returns to
Unit
Holders.(i.e.
Distributions,
if any,will
after
expenses,
based onannually
the Net Asset
Value
per unit as at the first Business Day when units in the Fund are quoted ex-entitlement. Allotment of such units
declared
and will
be reinvested.
shall beThe
within
two (2)
weeks
thereafter.
^Note:
income
is in
the form
of units. Please refer to the Fund’s distribution mode.
Distribution Policy
RHB Income Fund 2
2
RHB Income Fund 2
2
Consistent with the Fund’s objective to provide investors with higher than average income^ returns compared to fixed deposits, the Fund will
distribute a substantial portion of its returns to Unit Holders. Distributions, if any, after deduction of taxation and expenses, are generally
declared annually and will be reinvested.
^Note: The income is in the form of units. Please refer to the Fund’s distribution mode.
Parties Involved
WHO ARE YOU INVESTING WITH?
Manager
RHB Asset Management Sdn Bhd.
Trustee
HSBC (Malaysia) Trustee Berhad.
Trustee’s delegate (local)
HSBC Nominees (Tempatan) Sdn Bhd.
Trustee’s delegate (foreign)
HSBC Institutional Trust Services (Asia) Limited.
Tax adviser
WHO ARE YOU INVESTING WITH?
Auditor of the Manager and the Fund
Manager
Solicitor
Trustee
Trustee’s delegate (local)
Parties Involved
KPMG Tax Services Sdn Bhd.
PricewaterhouseCoopers.
RHB Asset Management Sdn Bhd.
Messrs Naqiz & Partners.
HSBC (Malaysia) Trustee Berhad.
HSBC Nominees
(Tempatan) Sdn Bhd.
KEY RISKS
Trustee’s
(foreign)
HSBC Institutional Trust Services (Asia) Limited.
WHAT
AREdelegate
THE KEY
RISKS OF THIS INVESTMENT?
Services
Sdn Bhd.
AsTax
thisadviser
Fund invests primarily in fixed income securities,KPMG
certainTax
risks
are therefore
peculiar to this Fund. They are:
a)
Interest
Risk and the Fund
Auditor
of theRate
Manager
PricewaterhouseCoopers.
Prices of fixed income securities / debentures generally move in opposite direction with interest rates. When interest rates rise, prices
Solicitor
Messrs
Partners.
of fixed income securities / debentures will generally
fall.Naqiz
This &
rise
in interest rate would cause the investor to face the risk of capital
loss. But when interest rates fall, prices of fixed income securities / debentures would generally increase, therefore, investors would
see capital gains.
KEY RISKS
b) Credit / Default Risk
WHATThis
ARErefers
THE to
KEY
OF THIS INVESTMENT?
theRISKS
creditworthiness
of the fixed income securities / debentures issuer and its expected ability to repay debt. Default
whenprimarily
the issuer
is notincome
able to
make timely
coupon
payments
and
/ or repay
/ pay
theThey
principal
As thishappens
Fund invests
in fixed
securities,
certain
risks are
therefore
peculiar
to this
Fund.
are: in a timely manner thus
lowering
the
value
of
the
Fund’s
investments
and subsequently the value of Unit Holders’ investments.
a) Interest Rate Risk
c)
d)
b)
Liquidity
Prices
of Risk
fixed income securities / debentures generally move in opposite direction with interest rates. When interest rates rise, prices
Liquidity
is the ability
to convert
an investment
portfolio
to cash
suffering
a noticeable
in value.
Thethe
Malaysian
fixed
of
fixed income
securities
/ debentures
will generally
fall. This
rise without
in interest
rate would
cause theloss
investor
to face
risk of capital
income
/ debentures
market
is of
notfixed
as liquid
as the
equity market
and this
maygenerally
affect theincrease,
price of any
fixed income
securities
loss.
Butsecurities
when interest
rates fall,
prices
income
securities
/ debentures
would
therefore,
investors
would
/ debentures.
see
capital gains.
Inflation
/ Purchasing
Credit
/ Default
Risk Power Risk
c)
Inflation
cantobe
as increases
of the
price
level securities
of goods /and
services issuer
and is and
commonly
reported
using
consumer
price
This
refers
thedefined
creditworthiness
of the
fixed
income
debentures
its expected
ability
to the
repay
debt. Default
index as awhen
measure.
Inflation
is one
themake
majortimely
risks coupon
to investors
and results
over
future value
of the manner
investments.
happens
the issuer
is not
ableof to
payments
and /inoruncertainty
repay / pay
thethe
principal
in a timely
thus
Inflation reduces
power
of money.
In subsequently
an inflationarythe
environment,
income
securities are exposed to higher inflation
lowering
the valuepurchasing
of the Fund’s
investments
and
value of Unitfixed
Holders’
investments.
risks thanRisk
equities due to its fixed returns nature as compared to equities whose returns are variable.
Liquidity
Liquidity is the ability to convert an investment portfolio
without suffering a noticeable loss in value. The Malaysian fixed
FEESto&cash
CHARGES
income securities / debentures market is not as liquid as the equity market and this may affect the price of any fixed income securities
WHAT/ debentures.
ARE THE FEES AND CHARGES OF THIS INVESTMENT?
This
describes
the charges
that you may directly incur when you buy or redeem units of the Fund:
d) table
Inflation
/ Purchasing
Power Risk
Inflation can be defined as increases of the price level of goods and services and is commonly reported using the consumer price
Charges
index as a measure. Inflation is one of the major risks to investors and results in uncertainty over the future value of the investments.
Inflation
purchasing
power of money. In an inflationary environment, fixed income securities are exposed to higher inflation
Sales
chargereduces
by distribution
channels
risks than equities due to its fixed returns nature as compared to equities whose returns are variable.
Institutional Unit Trust Adviser (IUTA)
None.
FEES & CHARGES
Tied (retail) agent
None.
WHAT ARE THE FEES AND CHARGES OF THIS INVESTMENT?
Direct
sales
(Direct investment
with
theyou
Manager)
None.
This
table
describes
the charges
that
may directly incur
when you buy or redeem units of the Fund:
Investments via the EPF Members Investment Scheme will not be levied a sales charge.
Charges
Repurchase
Sales
chargecharge
by distribution channels
None.
Dilution fee /Unit
transaction
cost factor
Institutional
Trust Adviser
(IUTA)
None.
None.
Other(retail)
charges
payable directly by the investors
Tied
agent
Switching fee1
Direct sales (Direct investment with the Manager)
None.
RM25.00 per switch or the difference in sales charge which is deductible
None.
from the amount of the units to be switched, where applicable.
Investments
be levied
a sales charge.
Transfer fee1via the EPF Members Investment Scheme will not
RM5.00
per transfer.
Repurchase charge
None.
Dilution fee / transaction cost factor
None.
Other charges payable directly by the investors
Switching fee1
Income
3
RM25.00 per switch or the differenceRHB
in sales
chargeFund
which2is deductible
from the amount of the units to be switched, where applicable.
Transfer fee1
RM5.00 per transfer.
RHB Income Fund 2
3
This table describes the fees that you may indirectly incur when you invest in the Fund:
Fees
Annual management fee1
1.00% per annum of Net Asset Value before deducting the Manager’s and Trustee’s
fees for that particular day.
Annual trustee fee1
Up to 0.07% per annum of Net Asset Value before deducting the Manager’s and
This table describes the fees that you may indirectly
incur
when
youparticular
invest in day.
the Fund:
Trustee’s
fees
for that
Fees
Expenses directly related to the Fund
Annual management fee1
Auditors’ fees, custodial charges, other relevant professional fees, cost of distribution of
interim per
and annum
annual of
reports,
tax certificates,
reinvestment
andand
other
notices
1.00%
Net Asset
Value before
deducting statements
the Manager’s
Trustee’s
to Unit
commissions
fees
forHolders,
that particular
day. paid to brokers, other transaction costs and taxes.
Other fees payable1 indirectly by an investor
None.
Annual trustee fee
Up to 0.07% per annum of Net Asset Value before deducting the Manager’s and
1
The implementation of GST is effective 1 April 2015
at the rate
6%that
andparticular
the fees day.
and charges payable are exclusive of GST.
Trustee’s
feesoffor
Note:
The Manager
may, for
anyFund
reason at any time,
waive
or reduce
the
amountother
of itsrelevant
management
fee only
or cost
otherofcharges
directly
Expenses
directly related
to the
Auditors’
fees,
custodial
charges,
professional
fees,
distribution
of
payable by the Unit Holder and/or investor in respect
of the
either
generally
(for all Unitreinvestment
Holders and/or
investors)and
or specifically
(for
interim
andFund,
annual
reports,
tax certificates,
statements
other notices
any particular Unit Holder and/or investor) and for any
period
or periods
of time atpaid
its absolute
discretion.
to Unit
Holders,
commissions
to brokers,
other transaction costs and taxes.
VALUATIONS
Other fees payable indirectly by an investor
None.AND
EXITING FROM INVESTMENT
1
The implementation
of GST is effective
1 April 2015 at the rate of 6% and the fees and charges payable are exclusive of GST.
HOW
OFTEN ARE VALUATIONS
AVAILABLE?
Note:Fund
The must
Manager
may, for
at anyBusiness
time, waive
or However,
reduce thecertain
amount
of its markets
management
fee the
onlyFund
or other
directly
The
be valued
at any
leastreason
once every
Day.
foreign
in which
maycharges
invest in
have
payable time
by the
Unit from
Holder
and/or
investor in respect of the Fund, either generally (for all Unit Holders and/or investors) or specifically (for
different
zones
that
of Malaysia.
any
particular
Unit
Holder
and/or
investor)
and
for
any
period
or
periods
of
time
at
its
absolute
discretion.
The valuation of the Fund for a Business Day will be conducted before 5:00 p.m. on the following day in which the Manager is open for
business, when the closing prices of the
foreign markets AND
for thatEXITING
Business Day
wouldINVESTMENT
be available.
VALUATIONS
FROM
As such, the daily price of the Fund for a particular Business Day will not be published in the local newspapers on the next day but will
HOW OFTEN
ARE VALUATIONS
AVAILABLE?
instead
be published
the next following
day (i.e. price will be two (2) days old). This will be specifically indicated in the newspapers.
The Fundmay
must
be valued
at current
least once
every price
Business
Day. However,
certaindirectly
foreignormarkets
in which
thewww.rhbgroup.com
Fund may invest in have
Investors
obtain
the most
computed
by contacting
the Manager
visiting our
website,
different time zones from that of Malaysia.
HOW CAN YOU EXIT FROM THIS INVESTMENT AND WHAT ARE THE RISKS AND COSTS IN DOING SO?
The valuation of the Fund for a Business Day will be conducted before 5:00 p.m. on the following day in which the Manager is open for
Units
of the
Fund
can
be redeemed
the completed
form of request
to repurchase
to the Manager’s registered office or any of
business,
when
the
closing
prices of by
theforwarding
foreign markets
for that Business
Day would
be available.
its branch offices, or to any of its authorised sales agents or participating IUTAs before their respective cut-off times.
As such, the daily price of the Fund for a particular Business Day will not be published in the local newspapers on the next day but will
The
redemption
monies
will
be
paid
within
ten
(10)
days
after
receipt
by
the
Manager
of
the
request
to indicated
repurchase.
instead be published the next following day (i.e. price will be two (2) days old). This will be specifically
in the newspapers.
For
partialmay
redemption,
balance
of computed
units held after
redemptionthe
must
be at least
oneorhundred
(100)
units orwww.rhbgroup.com
such other quantity as the
Investors
obtain thethe
most
current
price the
by contacting
Manager
directly
visiting our
website,
Manager may from time to time decide (the “minimum investment balance”). There are no restrictions on the number of units a Unit Holder
HOW
CAN
YOU
EXIT
FROM
THIS
INVESTMENT
AND
WHAT
ARE
THE
RISKS
AND
COSTS
IN
DOING
SO?
can redeem out of his investments or the frequency of redemptions in a year. However, the Manager shall not be bound to comply with any
Units of for
theredemption
Fund can be
forwarding
theheld
completed
of request
to repurchase
to the Manager’s
request
of redeemed
units if the by
balance
of units
after theform
redemption
is less
than the minimum
investmentregistered
balance. office or any of
its branch offices, or to any of its authorised sales agents or participating IUTAs before their respective cut-off times.
CONTACT
The redemption monies will be paid within ten (10) days
after receiptINFORMATION
by the Manager of the request to repurchase.
For partial
the balance
HOW
CANredemption,
YOU CONTACT
US? of units held after the redemption must be at least one hundred (100) units or such other quantity as the
Manager
time to
decide
(the “minimum
investment
balance”).
There you
are may
no restrictions
on the number
units a Unit
Holder
To contactmay
thefrom
Manager
or time
to find
out about
the distribution
channels
of the Fund,
call Unit Holders
ServicesofToll-Free
Hotline:
1can
redeem
out
of
his
investments
the frequency
of redemptions
a year. However,
Manager
shall
not or
be bound
comply
with any
800-88-3175 at any time during or
office
hours: Mondays
throughin Fridays
from 9.00thea.m.
– 5.00
p.m.
e-mail to
your
enquiries
to
request for redemption ofor
units
thewebsite,
balance www.rhbgroup.com
of units held after the redemption is less than the minimum investment balance.
rhbam@rhbgroup.com
visitifour
HOW DO YOU LODGE A COMPLAINT?
CONTACT INFORMATION
1. For internal dispute resolution, you may contact:
HOW CAN YOU CONTACT US?
: 03-2164of3036
(a) the
via phone
to or to find out about the distribution channels
To contact
Manager
the Fund, you may call Unit Holders Services Toll-Free Hotline: 1800-88-3175
any
time Services
during office
hours:
Mondays
through
Fridays from 9.00 a.m. – 5.00 p.m. or e-mail your enquiries to
: 1-800-88-3175
(b) viaatUnit
Holders
Toll-Free
Hotline
at
rhbam@rhbgroup.com
or visit our website, www.rhbgroup.com
: 03-2164 4226
(c) via fax to
HOW DO
LODGE
(d) YOU
via e-mail
to A COMPLAINT?
1.
2.
2.
For internal dispute resolution, you may contact:
(e) via website at
(a) via phone to
(f) via letter to
(b) via Unit Holders Services Toll-Free Hotline at
: rhbam@rhbgroup.com
: www.rhbgroup.com
: 03-2164 3036
: RHB Asset Management Sdn Bhd
: 1-800-88-3175
19th Floor, Plaza OSK
(c) via fax to
: 03-2164 4226
Jalan Ampang
: rhbam@rhbgroup.com
(d) via e-mail to
50450 Kuala Lumpur
: www.rhbgroup.com
(e) via website at
If you are dissatisfied with the outcome of the internal dispute resolution process, please refer your dispute to the Securities Industry
(f) via
letter to Center (SIDREC):
: RHB Asset Management Sdn Bhd
Dispute
Resolution
Floor,
Plaza OSK
: 19th
03-2282
2280
(a) via phone to
Ampang
: Jalan
03-2282
3855
(b) via fax to
Kuala Lumpur
: 50450
info@sidrec.com.my
(c) via email to
If (d)
you are
dissatisfied
with the outcome of the internal dispute
resolution
process,
please
refer your
dispute
to the Securities Industry
: Securities
Industry
Dispute
Resolution
Center
(SIDREC)
via letter
to
Dispute Resolution Center (SIDREC):
Unit A-9-1, Level 9, Tower A
(a) via phone to
: Menara
03-2282UOA
2280Bangsar
(b)
via fax to
(c)
via email to
(d)
via letter to
: No.
03-2282
3855
5, Jalan
Bangsar Utama 1
: info@sidrec.com.my
: Securities Industry Dispute Resolution
Center
(SIDREC)
RHB
Income
Fund
2
4
RHB Income Fund 2
4
Unit A-9-1, Level 9, Tower A
Menara UOA Bangsar
No. 5, Jalan Bangsar Utama 1
59000 Kuala Lumpur
3.
3.
You can also direct your complaint to the Securities Commission Malaysia (“SC”) even if you have initiated a dispute resolution process
with SIDREC. To make a complaint, please contact the SC’s Investor Affairs & Complaints Department:
(a)
via phone to the Aduan Hotline at
: 03-6204 8999
(b)
via fax to
(c)
via e-mail to
: 03-6204 8991
59000 Kuala Lumpur
: aduan@seccom.com.my
You
direct
your complaint
to the Securities
Commission
Malaysia (“SC”) even if you have initiated a dispute resolution process
: www.sc.com.my
(d) can
viaalso
online
complaint
form available
at
with SIDREC. To make a complaint, please contact the SC’s Investor Affairs & Complaints Department:
(e) via letter to
: Investor Affairs & Complaints Department
(a) via phone to the Aduan Hotline at
: 03-6204 8999
Securities Commission Malaysia
(b) via fax to
: 03-6204 8991
No 3 Persiaran Bukit Kiara
: aduan@seccom.com.my
(c) via e-mail to
Bukit Kiara
: www.sc.com.my
(d) via online complaint form available at
50490 Kuala Lumpur
(e)
via letter to
: Investor Affairs & Complaints Department
GLOSSARY
Securities Commission Malaysia
EPF
No 3 Persiaran Bukit Kiara
A day in which Bursa Malaysia is open for trading.
Bukit Kiara
Employees Provident Fund.
50490 Kuala Lumpur
Fund
RHB Income Fund 2.
GST
Goods and Services Tax.
Business
Net AssetDay
Value (NAV)
A dayNet
in which
is open
for trading.by deducting the value of all the Fund’s liabilities from the
The
Asset Bursa
Value Malaysia
of the Fund
is determined
value of all the Fund’s assets, at the valuation point.
Employees Provident Fund.
Master Prospectus for the Funds dated 3 August 2015 which expires on 2 August 2016, supersedes the
RHB Income Fund 2.
master prospectus dated 26 October 2014 which expires on 25 October 2015; and its supplementary(ies) (if
any).
Goods and Services Tax.
Business Day
EPF
Master Prospectus
Fund
GST
RM
Ringgit
Malaysia
Net or
Asset
Value
(NAV)
GLOSSARY
Unit Holder(s)
Master Prospectus
The
currency
of of
Malaysia.
The lawful
Net Asset
Value
the Fund is determined by deducting the value of all the Fund’s liabilities from the
value of all the Fund’s assets, at the valuation point.
The person(s) for the time being registered under the provisions of the deed as the holder of units of the Fund
and
person(s)
jointlyfor
so the
registered.
Master
Prospectus
Funds dated 3 August 2015 which expires on 2 August 2016, supersedes the
master prospectus dated 26 October 2014 which expires on 25 October 2015; and its supplementary(ies) (if
any).
RM or Ringgit Malaysia
The lawful currency of Malaysia.
Unit Holder(s)
The person(s) for the time being registered under the provisions of the deed as the holder of units of the Fund
and person(s) jointly so registered.
RHB Income Fund 2
5
RHB Income Fund 2
5