As a Phillip Mutual investor, you've entrusted to our care not only your hard-earned money but your personal and financial data as well. We recognize that your relationship with us is based on trust and that you expect us to act responsibly and in your best interests. Because your personal and financial data is your personal information, we hold ourselves to the highest standards in its safekeeping and use.

This means, most importantly, that we do not sell client information-whether it is your personal information or the fact that you are a Phillip Mutual client-to anyone.

Instead, your information is used by us primarily to complete transactions that you request or to make you aware of other financial products and services that we offer or sponsor.

By proceeding to access and use this Site, you are deemed to have consented to the collection and use of your personal information including for the disclosure of such personal information to the relevant entities and/or regulatory bodies.

The security of your personal and financial information (if any) is our upmost priority. Keeping your personal and financial information secure is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards to protect customer information that meet applicable law. We endeavor to train our employees in the proper handling of personal and sensitive information. Appropriate employees are authorized to access customer information for business purposes only. Our employees are bound by a code of ethics that requires confidential treatment of customer information. You can read our Security & Legal Policy for further details.

You provide personal information when you complete a Phillip Mutual account application. (If you enter information in an online application, we may store the information even if you don't complete or submit the application.). You also provide personal information when you request a transaction that involves Phillip Mutual or one of the Phillip Mutual-affiliated companies.

In addition to personal information you provide to us, we may receive information about you that you authorize third parties to provide to us. We also may obtain personal information from third parties in order to verify your identity, prevent fraud, or to help us identify products and services that may benefit you. Personal information collected from any source may include your:-
• Name and address
• Identification Card Number/Passport Number
• Assets
• Income
• Account balance
• Investment activity
• Accounts at other institutions

From time to time, Phillip Mutual may send newsletter, information on new services, or promotional news to you, via your email. However, you may opt out from our list of clients by clicking "Reply" to our email.

We will not disclose any of your personal information except where required by regulatory bodies, regulation of legal process, judicial order or as required or permitted by law or for lawful purposes only. Further, we may use your personal information within PhillipCapital group, professional advisors, consultants and/or third party's performing services on our behalf and such confidential information will only be used by the said parties for the purpose for which it is provided whereby the said parties have undertaken to treat such information confidential.

We do not sell information about current or former clients or their accounts to third parties. Nor do we share such information, except when needed to complete transactions at your request or to make you aware of related financial products and services that we offer. Here are the details:
• In order to complete certain transactions or account changes that you direct, it may be necessary to provide identifying information to companies, individuals, or groups that are not affiliated with Phillip Mutual. For example, if you ask to transfer assets from another financial institution to Phillip Mutual, we will need to provide certain information about you to that company to complete the transaction.

• In order to alert you to other financial products and services that Phillip Mutual offers or sponsors, we may share your information within the Phillip Mutual family of affiliated companies. This would include, for example, sharing your information within Phillip Mutual to make you aware of new Phillip Mutual funds or other investment offerings, or the brokerage services offered through Phillip Mutual 's brokerage companies, or the asset management and trust services offered through Phillip Mutual 's trust companies and registered investment advisors.

• In certain instances, we may contract with non-affiliated companies to perform services for us. Where necessary, we will disclose information we have about you to these third parties. In all such cases, we provide the third party with only the information necessary to carry out its assigned responsibilities and only for that purpose. And, we require these third parties to treat your private information with the same high degree of confidentiality that we do.

• Finally, we will release information about you if you direct us to do so, if we are compelled by law to do so, or in other legally limited circumstances (for example, to prevent fraud).

Our concern for the privacy of our shareholders naturally extends to those who use our Site, www.eunittrust.com.my or www.phillipmutual.com.
• Our Site uses some of the most secure forms of online communication available, including data encryption, Secure Sockets Layer (SSL) protocol, and user names and passwords. These technologies provide a high level of security and privacy when you access your account information, initiate online transactions, or send secure messages;
• Phillipmutual.com offers customized features that require our use of "HTTP cookies"-tiny pieces of information that we ask your browser to store. However, we make very limited use of these cookies. We don't use them to pull data from your hard drive, to learn your e-mail address, or to view data in cookies created by other Sites. We won't share the information in our cookies or give others access to it-except to help us better serve your investment needs;
• When you visit our Site, we may collect certain technical and navigational information, such as computer browser type, Internet protocol address, and pages visited and average time spent on our Site. This information may be used, for example, to alert you to software compatibility issues or to resolve technical or service problems, or it may be analyzed to improve our Web design and functionality and our ability to service you and your accounts.

We restrict access to information about you to those Phillip Mutual employees who need to know the information in order to perform their jobs, such as servicing your accounts or notifying you of new products and services. To protect your personal information, we maintain physical, electronic, and procedural safeguards in keeping with industry standards and practices, and we review and adjust these safeguards regularly in response to advances in technology

For your protection, if you have an online account with us, we advise you NOT to reveal any information relating to your account to anyone. You are responsible to maintain the confidentiality of your account information, user names, login IDs, password, security questions and answers to access your account in this Site. DO NOT reveal your account information, user names, login IDs, password, security questions and answers to access your account in this Site, to anyone at any time under any circumstances. You acknowledge that you are fully responsible for your account and activities and should you become aware of any suspicious and unauthorized activities or any other breach of security, please act immediately and notify us as soon as possible. You should also aware that there shall be risk factors involved in sending confidential information over the Internet Sites, e-mails or other electronic means.
By using this Site, you consent and authorize to such transfer of information and you agree that we may contact you through any of the means stated herein. You further consent and authorize that you will receive information from us through the electronic means from time to time and/or other means as determined by us and/or as required by the regulatory bodies and/or by the law.

i. You should keep your confidential information in a safe place;
ii. Always protect your PINs and other passwords. You should not reveal the PINs and passwords to anyone unless it's for a service or transaction you request;
iii. Check your account regularly. Contact us immediately should there any error or dispute a transaction in your account.
iv. If you believe you are a victim of identity theft, take immediate action and keep records of your conversations and correspondence.

• Do contact us immediately;
• File a report with your local police station and keep a copy of the police report for records.

We reserve the right to modify this policy at any time without prior notice to you. Any such amendment shall be effective once the revised changes have been posted on the Site. Since we may update the Site from time to time, you should constantly check the contents herein from time to time so that you are aware of any changes or amendments to the policy.

You should always ensure that you provide us with your most updated and current personal particulars and information in order to ensure that your records with us are kept up to date, complete and accurate. If any information supplied by you changes during the course of your account with us, you should notify us immediately to enable us to update your information.

If you have any enquiries or concerns on the Privacy Policy, please contact us and we will respond to your enquiries as soon as possible.

Philip Mutual is committed to high standards of security and confidentiality of customer's information. All the information is encrypted using the 128-bit Secure Socket Layer (SSL). We ensure that our portal is secure and safe. Always access www.eunittrust.com.my for Phillip Mutual online transactions.

We will be providing you a user ID and password to Log in our web site. This user ID and password is unique and encrypted. We advise that you remember your password and change your password frequently. Do not disclose or share your password with anyone.

If you enter your Login password incorrectly for a number of consecutive times, our system will automatically suspend the Login ID to prevent further online access to the Account and protect the Account against unauthorised access. Inactive sessions are also timed out to prevent unauthorised access by any third party.

Kindly be advised on the following: -
Do not reply or click e-mail links or pop-up messages that ask for personal or financial information;
Don't use the email links to perform any online transaction;
Always type https://www.eunittrust.com.my to access our web portal;
Make sure https:// in the browser address bar and a lock icon on the browser's status bar.

Clear your browsing history and cache (information stored in your computer memory) each time you log-out to prevent others gaining access to your personal information or online transactions.
Steps to clear the browsing history and cache from your internet explorer:
(i) Open MS Internet Explorer browser;
(ii) From the "Tools" menu, select "Internet Options" option;
(iii) Select"General" tab;
(iv) Under the Browsing history, click "Delete..." button;
(v) Under the Temporary Internet Files, click "Delete files..." button to clear the cache;
(vi) Under the Cookies, click "Delete cookies..." button to clear the cookies;
(vii) Under the History, click "Delete history..." button to clear the browser history.

The AutoComplete function on your browser should be disabled to avoid the automatic completion of your ID when you type in user ID.
Steps to disable the AutoComplete function:
(i) Open MS Internet Explorer browser;
(ii) From the "Tools" menu, select "Internet Options" option;
(iii) Select the "Content" Tab;
(iv) Under the AutoComplete, click on the "Settings" button;
(v) Uncheck the "User names and passwords on forms"

Frequently update the new features of browsers & windows security updates.
Use updated personal firewall software to prevent any unauthorized access to your computer from the Internet.
Ensure that you do not provide anyone the opportunity to gain access to your information in your computer.
Always Log out if you decide to leave your computer unattended.
As an added security feature, automatically logs-out when no activity is detected for a preset period.
Do not use the remember password function because this information can be easily accessed by hackers.
Avoid downloading free programs not provided by us. These may incorporate hacker-friendly software.
Avoid using public or shared computers to perform your transaction.
Install anti-virus softwares.
Practice log-in regularly to monitor your transactions.

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 the following:

1. The higher the margin of financing (that is, the amount of money you borrow for every Ringgit of your own money that you put in as deposit or down payment), the greater the potential for losses as well as gains.

2. 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.

3. If unit prices fall beyond a certain level, you may be asked to provide additional acceptable collateral or pay additional amounts on top of your normal installments. If you fail to comply within the time prescribed, your units may be sold to settle your loan.

4. 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 realise 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 in respect of any aspect of this Risk Disclosure Statement or the terms of the loan financing, you should consult the institution offering the loan.

I acknowledge that I have read and received a copy of this Unit Trust Loan Financing Risk Disclosure Statement and understand its contents.

Any information that falls outside the designated area of the electronic Prospectus(es) and electronic Supplementary Prospectus(es)(if any) does not form part of the electronic Prospectus(es) and electronic Supplementary Prospectus(es)(if any). The unit trust funds are offered solely on the basis of information contained in the electronic Prospectus(es) and electronic Supplementary Prospectus(es) (if any).