Important information before investment All investment-linked insurance policies offered by Standard Life (Asia) Limited (the Company ) are insurance

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2 Important information before investment All investment-linked insurance policies offered by Standard Life (Asia) Limited (the Company ) are insurance policies and are not bank deposits. Your investment will be subject to credit risk of the Company. You are not investing in the underlying funds and you don t have any ownership or rights to the underlying funds. Your investment return is calculated with reference to the fluctuation of the performance of the underlying fund. Each of the underlying fund has its own investment objectives and associated risks. You should view your insurance policy as a long-term investment. Early surrender/withdrawal may result in a significant loss of your investment. You should not purchase this product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours. 投資前之重要信息 標準人壽保險 ( 亞洲 ) 有限公司 ( 本公司 ) 所提供的投資相連保單是一項保險計劃, 而不是銀行存款 您的投資將會受到本公司的信貸風險影響 由於您並非投資於相連基金, 您不會享有相連基金之任何擁有權或權利 您的投資回報將參考相連基金的表現作出計算 每項相連基金會有其特定的投資目標及風險 您應視投資相連保險保單為一項長期投資 任何提早退保 / 提款或會導致投資上的重大損失 除非您已經明白此產品及已被解釋此產品如何合適您, 否則您不應認購此產品 您本人亦應作出最終的決定 Standard Life (Asia) Limited ( Standard Life ) is a subsidiary of Standard Life plc. Standard Life Group operates within six key areas: UK Life & Pensions, Bank, Healthcare, Investments, Canada and International. Standard Life Group is firmly established in the UK, Austria, Canada, China, Germany, Hong Kong, India and Ireland. 標準人壽保險 ( 亞洲 ) 有限公司 ( 標準人壽 ) 是標準人壽股份有限公司的附屬公司 標準人壽集團的業務遍及英國人壽及退休金 銀行 醫療保障 投資 加拿大及國際六大範疇, 並在英國 奧地利 加拿大 中國 德國 香港 印度及愛爾蘭穩固發展 A note about risk: Investment involves risks. Past performance is not indicative of future performance. This brochure is issued by Standard Life (Asia) Limited. Information contained in this document is only a summary prepared Standard Life. For details, including other fees and charges of the underlying funds, please refer to the relevant underlying fund s offering document made available by Standard Life. Proposed Policy Owners should not construe the contents of this document, together with the Product Brochure, as legal, tax, investment or other advice. In making an investment decision, Proposed Policy Owners must rely on their own examination of the Plan and its terms. Each Proposed Policy Owner should consult with their own independent advisors with respect to legal, tax, regulatory and financial consequences of investing in the Plan and the investment choices. Publication Date : April 2009 風險 : 投資涉及風險 過往的投資表現並非未來表現指標 本刊物乃由標準人壽保險 ( 亞洲 ) 有限公司所刊發 本刊物僅為概括資料並由標準人壽準備, 有關相連基金的詳細資訊包括其他收費, 請參閱由標準人壽提供的有關相連基金銷售刊物 準保單持有人不應單憑此刊物內之資料及產品推銷刊物詮釋為法律 稅項 投資或其他之建議, 準保單持有人應依據自己對計劃及條款內的理解, 決定投資目標 準保單持有人應與他們的獨立理財顧問查詢有關投資於有關計劃及投資選擇的法律 稅項 法定條文及財務預算詳情 出版日期 : 2009 年 4 月

3 Contents 目錄 Page Risk Factors 風險因素 4 Investment Choices 投資選擇 5 Investment Managers 投資經理 Aberdeen International Fund Managers Limited 安本國際基金管理有限公司 13 Allianz Global Investors Hong Kong Limited 德盛安聯資產管理香港有限公司 13 Baring Asset Management 霸菱資產管理 14 BlackRock (Hong Kong) Limited 貝萊德 ( 香港 ) 有限公司 14 FIL Investments Management (Hong Kong) Limited (Fidelity) 富達基金 ( 香港 ) 有限公司 15 First State Investments (Hong Kong) Limited 首域投資 ( 香港 ) 有限公司 16 Fortis Investments 富通資產管理 16 Franklin Templeton Investments (Asia) Limited 富蘭克林鄧普頓投資 ( 香港 ) 有限公司 17 Henderson Global Investors 宏信環球投資 17 J.P. Morgan Asset Management Limited 摩根資產管理有限公司 18 Man Investments (Hong Kong) Limited Man Investments (Hong Kong) Limited 18 Schroder Investment Management (Hong Kong) Limited 施羅德投資管理 ( 香港 ) 有限公司 18 Standard Life Investments 標準人壽投資 19 Investment Choice Information 投資選擇資料 Equity Market 股票市場 Global 環球 20 US / North America 美國 / 北美地區 22 Europe 歐洲 23 Asia Pacific 亞太地區 25 Greater China 大中華 27 Japan 日本 29 Asia Pacific Single Market 亞太地區單一市場 31 Emerging Market 新興市場 33 Sector / Theme 行業 / 主題 37 Fixed Income Market 固定收入市場 Global 環球 42 US 美國 44 Europe 歐洲 44 Emerging Market / High Yield 新興市場 / 高息債券 45 Asset Allocation 資產分配 Balanced 均衡 47 Liquidity / Money Market 流動資金 / 貨幣市場 48 Guaranteed Investment 保證投資 49 Alternative Investment 另類投資 51

4 Risk Factors 風險因素 Investment in the investment choices provided by Standard Life via the Plan will involve different risks. You should therefore pay particular attention to the information relating to the risk factors contained in the relevant offering documents of the underlying funds of the investment choices. The relevant offering documents are made available by Standard Life upon request. We summarize some of the key risk factors of the investment choices as follows: General risk factors Investment choices can help diversify your investment but may not protect your investment from the impact of wider economic issues. Before investing, potential investors should consider the risks involved. Risks associated with investment choices may include, amongst others, equity market, bond market, foreign exchange, sector, interest rate, inflation, credit, counterparty, liquidity, reliability of credit agency ratings, political risks and any combination of these and other risks. You may refer to the offering documents of the underlying funds of the investment choices for the associated risk. In addition, investors should note that with regard to the underlying funds that focus on investing in a single sector, geographical area or country, these compartments are highly specialized. Although the investment portfolios of the investment choices may be diversified in terms of the underlying investments, the relevant investment choices are likely to be more volatile than a broad-based investment, such as a global equity investment and they may be more susceptible to fluctuations in value resulting from adverse conditions in the sectors or countries in which the compartments invest. Additional risk factors for those investment choices using financial derivative intruments ( FDI ) for investment purpose Any investment choices using FDI for investment purpose may from time to time utilise both exchange-traded and over-the-counter derivatives ( OTC ) as part of its investment policy and for hedging purpose. These instruments may be volatile, involve certain special risks and may expose investors to a high risk of loss. When used for hedging purposes there may be an imperfect correlation between these instruments and the underlying investments or market sectors being hedged. Transactions in over-the-counter derivatives, such as credit derivatives, may involve additional risks as there is no exchange market on which to close out an open position. It should be noted that all OTC transactions expose the investor to the credit risk of the counterparty. You may refer to the offering documents of underlying funds of respective investment choices for the details of risks involved in using FDI for investment purpose. 投資於計劃內的標準人壽投資選擇將涉及不同的風險, 您應加以留意投資選擇之相連基金的相關銷售刊物內提及有關風險因素的資料 有關之銷售刊物, 可向標準人壽索取 我們概括投資選擇部份的主要風險如下.. 一般風險因素 投資選擇有助分散您的投資, 但不可保障您的投資免受更廣泛的經濟問題影響 準投資者在投資之前, 應考慮所涉及的風險 投資於各投資選擇所附帶的風險包括 ( 其中包括 ) 股票市場 債券市場 外匯 行業 利率 通脹 信貸 對手方 流通性 信貸機構評級的可靠性 政治風險, 以及此等風險和其他風險的任何組合 您可參閱各投資選擇之相連基金的章程了解其相關風險 此外, 投資者應注意, 就專注投資於單一行業 地區或國家的相連基金而言, 此等組成部分均屬高度專門 儘管投資選擇的投資組合可分散為相關投資項目, 惟有關投資選擇可能會較基礎廣闊的投資, 如全球股票投資較波動, 並較容易受到因組成部分所投資的行業或國家之不利狀況而產生的價值波動所影響 有關投資選擇使用金融衍生工具達至投資目標所涉及的額外風險 任何投資選擇如使用金融衍生工具達至投資目標可不時運用在交易所買賣及場外交易的衍生工具, 作為其部分投資政策及作為對沖用途 此等工具可屬波動, 涉及若干特別風險及令投資者承受高虧損風險 在作為對沖用途時, 此等工具與被對沖的相關投資或市場行業之間可能不完全相關 場外交易衍生工具, 例如信貸衍生工具的交易, 可能會因為並無用作平倉交易之交易市場而涉及額外風險 請注意, 所有場外交易會使投資者承擔交易對手方的信貸風險 您可參閱各投資選擇之相連基金的銷售刊物, 了解有關使用金融衍生工具達至投資目標所涉及的風險資料 4 Standard Life Fund Options

5 Investment Choices We provide a wide range of investment choices, offering extensive coverage of the world s financial markets with different levels of risk and potential return. There is a wide variety of investment objectives and strategies, so you are given the opportunity to find a combination of investment choices that meet your needs. The underlying funds of all investment choices are managed by professional investment managers. These underlying funds are authorised in Hong Kong by the Securities and Futures Commission 1. Please be reminded that you are not investing in the underlying funds and you don t have any ownership or rights to the underlying funds. Your investment return is calculated with reference to the fluctuation of the performance of the underlying funds. Each of the underlying fund has its own investment objectives and associated risks. The return of investment under the investment-linked insurance plan, subject to the fees and charges of the relevant plan, may be lower than the return of the underlying funds. The allocation of units of investment choices to the policy is notional and is solely for the purpose of determining the value of the respective policy. The assets of each investment choice will belong to Standard Life. Reference Code Investment Choice Unit Price Currency Annual Management Fee 2 of the underlying fund Page 01AU Aberdeen Global American Equity Fund A AU Aberdeen Global Asia Pacific Equity Fund A AA Aberdeen Global Australasian Equity Fund A2 AUD 31 04AU Aberdeen Global Chinese Equity Fund A AE Aberdeen Global European Equity Fund A2 EUR 23 06AU Aberdeen Global Indian Equity Fund A AY Aberdeen Global Japanese Equity Fund A2 JPY 29 08AU Aberdeen Global Technology Fund A AP Aberdeen Global UK Equity Fund A2 GBP 23 10AU Aberdeen Global World Equity Fund A AE Aberdeen Global Euro High Yield Bond Fund A2 EUR 1.25% 46 12AU Aberdeen Global Emerging Markets Bond Fund A2 1.25% 45 01ZU Allianz RCM Little Dragons Class AT Acc () 2.75% 26 02ZU Allianz RCM Malaysia Class A Dis () 31 03ZU Allianz RCM Oriental Income Class AT Acc () 47 04ZU Allianz RCM Total Return Asian Equity Class AT Acc () 25 01RU Baring Asia Balanced Fund 1.00% 47 02RU Baring Eastern Europe Fund 33 03RU Baring Hong Kong China Fund 1.25% 27 01MU BGF Asian Dragon Fund (A2) 26 02ME BGF Continental European Flexible Fund EUR (A2) EUR 23 03MU BGF Emerging Europe Fund (A2) 2.00% 34 04MU BGF Emerging Markets Fund (A2) 34 05MU BGF European Value Fund (A2) 23 06MU BGF Global Dynamic Equity Fund (A2) 20 08MU BGF Global Opportunities Fund (A2) 20 09MU BGF Global SmallCap Fund (A2) 20 11MU BGF Japan Opportunities Fund (A2) 29 12MU BGF Japan Value Fund (A2) 30 13MU BGF Latin American Fund (A2) 34 14MU BGF New Energy Fund (A2) 37 1 In giving this authorisation, the Securities and Futures Commission has made no assessment of, nor does it take responsibility for, the financial soundness or merits of the scheme, nor does it verify the accuracy or truthfulness of statements made, or opinions expressed, in the documentation. 2 For details about other fees and charges of the underlying funds, please refer to the respective underlying fund s offering document made available by Standard Life. For the fees and the charges of any plans, please refer to the respective product brochure. Standard Life Fund Options 5

6 Reference Code Investment Choice Unit Price Currency Annual Management Fee 2 of the underlying fund Page 16MU BGF US Flexible Equity Fund (A2) 22 19MU BGF World Energy Fund (A2) 38 20MU BGF World Financials Fund (A2) 38 21MU BGF World Gold Fund (A2) 1.75 % 38 22MU BGF World Healthscience Fund (A2) 38 23MU BGF World Mining Fund (A2) 39 24MU BGF World Technology Fund (A2) 39 25MU BGF Global Government Bond Fund (A2) 0.90% 42 26MU BGF US Dollar Short Duration Bond Fund (A2) 0.75% 44 27MU BGF World Bond Fund (A2) 0.85% 43 28MU BGF Reserve Fund (A2) 0.60% 48 30MU BGF Global Allocation Fund (A2) 48 31MU BGF Strategic Allocation () Fund (A2) 48 32MU BGF Local Emerging Markets Short Duration Bond Fund (A2) 1.00% 46 01FU Fidelity Funds India Focus Fund A 31 02FU Fidelity Funds Asia Pacific Growth & Income Fund A 26 03FU Fidelity Funds China Focus Fund A 28 04FU Fidelity Funds Emerging Markets Fund A 34 05FE Fidelity Funds Euro Blue Chip Fund A ACC Euro EUR 24 06FE Fidelity Funds European Aggressive Fund A ACC Euro EUR 24 07FU Fidelity Funds Growth & Income Fund A 1.25% 47 08FY Fidelity Funds Japan Fund A ACC JPY JPY 1.25% 30 09FU Fidelity Funds Pacific Fund A 26 10FU Fidelity Funds Taiwan Fund A 32 11FU Fidelity Funds Global Property Fund A ACC 40 12FU Fidelity Funds US High Yield Fund A 1.00% 46 13FU Fidelity Funds Emerging Europe, Middle East And Africa Fund A ACC 35 01SU First State Asia Innovation Fund I 40 02SU First State Asian Equity Plus Fund I Dis 26 03SU First State China Growth Fund I 2.00% 28 04SU First State Hong Kong Growth Fund I 28 05SU First State Asian Bond Fund I Dis 1.00% 46 01BU Fortis L Fund Equity Brazil Classis Cap 35 04BU Fortis L Fund Equity Russia Classic Cap 35 05BU Fortis L Fund Equity Utilities World Classic Cap 1.50 % 39 06BU Fortis Plan - Target Click Fund () % 49 07BU Fortis Plan - Target Click Fund () % 49 08BU Fortis Plan - Target Click Fund () % 50 09BU Fortis Plan - Target Click Fund () % 50 2 For details about other fees and charges of the underlying funds, please refer to the respective underlying fund s offering document made available by Standard Life. For the fees and the charges of any plans, please refer to the respective product brochure. 6 Standard Life Fund Options

7 Reference Code Investment Choice Unit Price Currency Annual Management Fee 2 of the underlying fund Page 10BU Fortis Plan - Target Click Fund () % 50 11BU Fortis Plan - Target Click Fund () % 51 12BU Fortis L Fund Equity Consumer Goods World Classic Cap 39 01TU Franklin Templeton Investment Funds Franklin U.S. Opportunities Fund A acc 22 02TU Franklin Templeton Investment Funds Franklin Biotechnology Discovery Fund A acc 40 03TU Franklin Templeton Investment Funds Franklin India Fund A acc 32 04TU Franklin Templeton Investment Funds Franklin Mutual Beacon Fund A acc 21 05TU Franklin Templeton Investment Funds Franklin Mutual European Fund A acc 24 06TU Franklin Templeton Investment Funds Franklin Mutual Global Discovery Fund A acc 21 07TU Franklin Templeton Investment Funds Franklin Technology Fund A acc 41 08TU Franklin Templeton Investment Funds Franklin Templeton Japan Fund A acc 30 10TU Franklin Templeton Investment Funds Templeton BRIC Fund A acc 2.10% 36 11TU Franklin Templeton Investment Funds Templeton China Fund A acc 2.10% 28 12TU Franklin Templeton Investment Funds Templeton Eastern Europe Fund A acc 2.10% 36 13TE Franklin Templeton Investment Funds Templeton Euroland Fund A acc EUR 24 14TU Franklin Templeton Investment Funds Templeton Global Smaller Companies Fund A acc TU Franklin Templeton Investment Funds Templeton Korea Fund A acc 2.10% 32 16TU Franklin Templeton Investment Funds Templeton Thailand Fund A acc 2.10% 32 17TU Franklin Templeton Investment Funds Templeton Global Total Return A acc 1.05% 43 18TU Franklin Templeton Investment Funds Templeton Latin America A acc 1.90% 36 01HU Henderson Horizon Fund Asia-Pacific Property Equities Fund A2 1.20% 41 02HU Henderson Horizon Fund Global Property Equities Fund A2 1.20% 41 03HE Henderson Horizon Fund Pan European Property Equities Fund A2 EUR 1.20% 42 01JU JF ASEAN Fund JU JF India Fund JU JF Korea Fund JU JF Singapore Fund JU JPM Middle East Fund JU JF Asia Domestic Opportunities Fund 42 07JU JPM Global Convertible Fund JU JPM Ultra Global Emerging Markets Fund 37 01NU Man AHL Diversified Futures Ltd 3.00% 51 01CU Schroder International Selection Fund Global Climate Change Equity Fund A % 42 02CU Schroder International Selection Fund Global Emerging Market Opportunities Fund A1 2.00% 37 03CU Schroder Alternative Solutions Schroder Alternative Solutions Commodity Fund A 51 04CH Schroder International Selection Fund Hong Kong Equity Fund A1 HKD 2.00% 29 05CU Schroder International Selection Fund Asian Bond Fund A For details about other fees and charges of the underlying funds, please refer to the respective underlying fund s offering document made available by Standard Life. For the fees and the charges of any plans, please refer to the respective product brochure. 3 Effective 30 April 2007, Franklin Templeton Investment Funds Templeton Global Smaller Companies Fund A Acc is closed for new subscription. Only existing policy owners who invested in Standard Life investment-linked insurance plans on or before 30 April 2007 may continue to subscribe or switch to this investment choice % redemption charge on the value of your investment choice will be charged by the underlying fund upon the redemption of this investment choice. For details, please refer to the offering document of the underlying fund. Standard Life Fund Options 7

8 Reference Code Investment Choice Unit Price Currency Annual Management Fee 2 Page 06CU Schroder International Selection Fund US Dollar Liquidity Fund A1 1.00% 48 07CE Schroder International Selection Fund EURO Liquidity Fund A1 EUR 1.00% 49 AE1H Standard Life Investments Asian Equities Fund 5 HKD 1.35% 27 CE1H Standard Life Investments China Equities Fund 5 HKD 29 EE1H Standard Life Investments European Equities Fund 5 HKD 1.35% 25 EE2H Standard Life Investments Eurozone Equities Fund 5 HKD 1.35% 25 GE1H Standard Life Investments Global Equities Fund 5 HKD 1.35% 21 JE1H Standard Life Investments Japanese Equities Fund 5 HKD 1.35% 30 UE1H Standard Life Investments US Equities Fund 5 HKD 1.35% 22 EG1H Standard Life Investments Euro Government Bond Fund 5 HKD 1.00% 44 EI1H Standard Life Investments Euro Inflation-Linked Bond Fund 5 HKD 1.00% 45 GB1H Standard Life Investments Global Bond Fund 5 HKD 1.00% 43 GI1H Standard Life Investments Global Inflation-Linked Bond Fund 5 HKD 1.00% 44 EB1H Standard Life Investments Pan European Corporate Bond Fund 5 HKD 1.35% 45 2 For details about other fees and charges of the underlying funds, please refer to the respective underlying fund s offering document made available by Standard Life. For the fees and the charges of any plans, please refer to the respective product brochure. 5 The unit currency of the underlying fund may be different from the investment choice. As such, the performance of the investment choice may be different from that of the underlying fund. 8 Standard Life Fund Options

9 投資選擇 我們提供的投資選擇覆蓋世界各大金融市場, 您可涉足不同風險及潛在回報的世界金融市場 我們的投資選擇有不同投資目標及策略, 讓您有機會選擇不同的投資組合以達致您的需求 投資選擇之相連基金將由專業的投資經理所管理, 而這些相連基金均為香港證券及期貨事務監察委員會認可 1 請注意..由於您並非投資於相連基金, 您不會享有相連基金之任何擁有權或權利 每項相連基金會有其特定的投資目標及風險 由於投資相連保險計劃會涉及有關收費及費用, 計劃下之投資回報可能低於相連基金 分配至計劃下的投資選擇之單位只屬名義性質, 並只用作計算您保單價值 每項投資選擇的資產均屬標準人壽所有 參考編號 投資選擇名稱 單位價格貨幣 相連基金之 2 管理年費 頁數 01AU 安本環球 美國股票基金 A2 股 22 02AU 安本環球 亞太股票基金 A2 股 25 03AA 安本環球 澳洲股票基金 A2 股 AUD 31 04AU 安本環球 中國股票基金 A2 股 27 05AE 安本環球 歐洲股票基金 A2 股 EUR 23 06AU 安本環球 印度股票基金 A2 股 31 07AY 安本環球 日本股票基金 A2 股 JPY 29 08AU 安本環球 科技基金 A2 股 37 09AP 安本環球 英國股票基金 A2 股 GBP 23 10AU 安本環球 世界股票基金 A2 股 20 11AE 安本環球 歐元高收益債券基金 A2 股 EUR 1.25% 46 12AU 安本環球 新興市場債券基金 A2 股 1.25% 45 01ZU 德盛小龍基金 AT 類累積股份 ( 美元 ) 2.75% 26 02ZU 德盛馬來西亞基金 A 類收息股份 ( 美元 ) 31 03ZU 德盛東方入息基金 AT 類累積股份 ( 美元 ) 47 04ZU 德盛總回報亞洲股票基金 AT 類累積股份 ( 美元 ) 25 01RU 霸菱傾亞均衡基金 1.00% 47 02RU 霸菱東歐基金 33 03RU 霸菱香港中國基金 1.25% 27 01MU 貝萊德亞洲巨龍基金 美元 (A2 股 ) 26 02ME 貝萊德歐洲靈活股票基金 歐羅 (A2 股 ) EUR 23 03MU 貝萊德新興歐洲基金 美元 (A2 股 ) 2.00% 34 04MU 貝萊德新興市場基金 美元 (A2 股 ) 34 05MU 貝萊德歐洲價值型基金 美元 (A2 股 ) 23 06MU 貝萊德環球動力股票基金 美元 (A2 股 ) 20 08MU 貝萊德環球特別時機基金 美元 (A2 股 ) 20 09MU 貝萊德環球小型企業基金 美元 (A2 股 ) 20 11MU 貝萊德日本特別時機基金 美元 (A2 股 ) 29 12MU 貝萊德日本價值型基金 美元 (A2 股 ) 30 13MU 貝萊德拉丁美洲基金 美元 (A2 股 ) 34 14MU 貝萊德新能源基金 美元 (A2 股 ) 37 16MU 貝萊德美國靈活股票基金 美元 (A2 股 ) 22 19MU 貝萊德世界能源基金 美元 (A2 股 ) 38 20MU 貝萊德世界金融基金 美元 (A2 股 ) 1.75 % 38 1 上述認可並不代表香港證券及期貨事務監察委員會已就有關計劃的財政健全程度和投資質素, 以及有關文件內的一切陳述和意見的準確性及忠誠度, 作出任何評估或負上任何責任 2 相連基金的其他收費詳情, 請參閱由標準人壽提供的相連基金銷售刊物 Standard Life Fund Options 9

10 參考編號 投資選擇名稱 單位價格貨幣 相連基金之 2 管理年費 頁數 21MU 貝萊德世界黃金基金 美元 (A2 股 ) 38 22MU 貝萊德世界健康科學基金 美元 (A2 股 ) 38 23MU 貝萊德世界礦業基金 美元 (A2 股 ) 39 24MU 貝萊德世界科技基金 美元 (A2 股 ) 39 25MU 貝萊德環球政府債券基金 美元 (A2 股 ) 0.90% 42 26MU 貝萊德美元短期債券基金 美元 (A2 股 ) 0.75% 44 27MU 貝萊德世界債券基金 美元 (A2 股 ) 0.85% 43 28MU 貝萊德貨幣基金 美元 (A2 股 ) 0.60% 48 30MU 貝萊德環球資產配置基金 美元 (A2 股 ) 48 31MU 貝萊德策略配置美元基金 美元 (A2 股 ) 48 32MU 貝萊德新興市場短期債券基金 美元 (A2 股 ) 1.00% 46 01FU 富達基金 印度焦點基金 A 類別股份 31 02FU 富達基金 亞太股息增長基金 A 類別股份 26 03FU 富達基金 中國焦點基金 A 類別股份 28 04FU 富達基金 新興市場基金 A 類別股份 34 05FE 富達基金 歐元藍籌基金 A 類別股份 累積 歐元 EUR 24 06FE 富達基金 歐洲進取基金 A 類別股份 累積 歐元 EUR 24 07FU 富達基金 環球 息 增長基金 A 類別股份 1.25% 47 08FY 富達基金 日本基金 A 類別股份 累積 日元 JPY 1.25% 30 09FU 富達基金 太平洋基金 A 類別股份 26 10FU 富達基金 台灣基金 A 類別股份 32 11FU 富達基金 環球房地產基金 A 類別股份 累積 美元 40 12FU 富達基金 美元高收益基金 A 類別股份 1.00% 46 13FU 富達基金 新興 歐非中東 基金 A 類別股份 累積 - 美元 35 01SU 首域亞洲創新基金 I 股 40 02SU 首域亞洲股本優點基金 I 股 派息 26 03SU 首域中國增長基金 I 股 2.00% 28 04SU 首域香港增長基金 I 股 28 05SU 首域亞洲債券基金 I 股 派息 1.00% 46 01BU 富通 L 基金 巴西股票基金 經典資本 35 04BU 富通 L 基金 俄羅斯股票基金 經典資本 美元 35 05BU 富通 L 基金 全球公用事業股票基金 經典資本 美元 39 06BU 富通宏策基金 盈峰 2010 基金 ( 美元 ) 1.25% 49 07BU 富通宏策基金 盈峰 2015 基金 ( 美元 ) 1.25% 49 08BU 富通宏策基金 盈峰 2020 基金 ( 美元 ) 1.25% 50 09BU 富通宏策基金 盈峰 2025 基金 ( 美元 ) 1.25% 50 10BU 富通宏策基金 盈峰 2030 基金 ( 美元 ) 1.25% 50 11BU 富通宏策基金 盈峰 2035 基金 ( 美元 ) 1.25% 51 12BU 富通 L 基金 全球基本消費品股票基金 經典資本 39 2 相連基金的其他收費詳情, 請參閱由標準人壽提供的相連基金銷售刊物 10 Standard Life Fund Options

11 參考編號 投資選擇名稱 單位價格貨幣 相連基金之 2 管理年費 頁數 01TU 富蘭克林鄧普頓投資基金 富蘭克林美國機會基金 A 累算 1.50 % 22 02TU 富蘭克林鄧普頓投資基金 富蘭克林生物科技新領域基金 A 累算 40 03TU 富蘭克林鄧普頓投資基金 富蘭克林印度基金 A 累算 32 04TU 富蘭克林鄧普頓投資基金 富蘭克林互惠指標基金 A 累算 21 05TU 富蘭克林鄧普頓投資基金 富蘭克林互惠歐洲基金 A 累算 24 06TU 富蘭克林鄧普頓投資基金 富蘭克林互惠環球探索基金 A 累算 21 07TU 富蘭克林鄧普頓投資基金 富蘭克林科技基金 A 累算 41 08TU 富蘭克林鄧普頓投資基金 富蘭克林鄧普頓日本基金 A 累算 30 10TU 富蘭克林鄧普頓投資基金 鄧普頓新興四強基金 A 累算 2.10% 36 11TU 富蘭克林鄧普頓投資基金 鄧普頓中國基金 A 累算 2.10% 28 12TU 富蘭克林鄧普頓投資基金 鄧普頓東歐基金 A 累算 2.10% 36 13TE 富蘭克林鄧普頓投資基金 鄧普頓歐元區基金 A 累算 EUR 24 14TU 富蘭克林鄧普頓投資基金 鄧普頓環球小型公司基金 A 累算 TU 富蘭克林鄧普頓投資基金 鄧普頓韓國基金 A 累算 2.10% 32 16TU 富蘭克林鄧普頓投資基金 鄧普頓泰國基金 A 累算 2.10% 32 17TU 富蘭克林鄧普頓投資基金 鄧普頓環球總收益基金 A 累算 1.05% 43 18TU 富蘭克林鄧普頓投資基金 鄧普頓拉丁美洲基金 A 累算 1.90% 36 01HU 宏信領域基金 亞太地產股票基金 A2 1.20% 41 02HU 宏信領域基金 環球地產股票基金 A2 1.20% 41 03HE 宏信領域基金 泛歐地產股票基金 A2 EUR 1.20% 42 01JU JF 東協基金 JU JF 印度基金 JU JF 南韓基金 JU JF 新加坡基金 JU 摩根中東基金 JU JF 亞洲內需主題基金 42 07JU 摩根環球可換股證券基金 JU 摩根超凡環球新興市場基金 37 01NU Man AHL Diversified Futures Ltd 3.00% 51 01CU 施羅德環球基金系列 環球氣候變化策略基金 A1 股 2.00% 42 02CU 施羅德環球基金系列 新興市場股債優勢基金 A1 股 2.00% 37 03CU 施羅德另類投資方略 施羅德商品基金 A 股 51 04CH 施羅德環球基金系列 香港股票基金 A1 股 HKD 2.00% 29 05CU 施羅德環球基金系列 亞洲債券基金 A1 股 47 06CU 施羅德環球基金系列 美元流動基金 A1 股 1.00% 48 07CE 施羅德環球基金系列 歐元流動基金 A1 股 EUR 1.00% 49 2 相連基金的其他收費詳情, 請參閱由標準人壽提供的相連基金銷售刊物 3 由 2007 年 4 月 30 日起, 富蘭克林鄧普頓投資基金 - 鄧普頓環球小型公司基金 A 累算將停止接受認購申請 只有在 2007 年 4 月 30 日或之前投資在標準人壽投資相連壽險計劃的保單持有人, 仍然可以繼續認購及轉換至本投資選擇 4 相連基金將會於閣下贖回此投資選擇時, 收取相等於投資選擇的價值 0.5% 之贖回費 詳情請參閱相連基金的銷售刊物 Standard Life Fund Options 11

12 參考編號 投資選擇名稱 單位價格貨幣 相連基金之 2 管理年費 頁數 AE1H 標準人壽投資亞洲股票基金 5 HKD 1.35% 27 CE1H 標準人壽投資中國股票基金 5 HKD 29 EE1H 標準人壽投資歐洲股票基金 5 HKD 1.35% 25 EE2H 標準人壽投資歐元區股票基金 5 HKD 1.35 % 25 GE1H 標準人壽投資環球股票基金 5 HKD 1.35% 21 JE1H 標準人壽投資日本股票基金 5 HKD 1.35% 30 UE1H 標準人壽投資美國股票基金 5 HKD 1.35% 22 EG1H 標準人壽投資歐元政府債券基金 5 HKD 1.00% 44 EI1H 標準人壽投資歐元通脹掛鉤債券基金 5 HKD 1.00% 45 GB1H 標準人壽投資環球債券基金 5 HKD 1.00% 43 GI1H 標準人壽投資全球通脹掛鉤債券基金 5 HKD 1.00% 44 EB1H 標準人壽投資泛歐洲企業債券基金 5 HKD 1.35% 45 2 相連基金的其他收費詳情, 請參閱由標準人壽提供的相連基金銷售刊物 5 相連基金之貨幣可能會與投資於投資相連保險計劃之貨幣不同 因此投資選擇之表現可能會與相連基金之表現不同 12 Standard Life Fund Options

13 Investment Managers 投資經理 Aberdeen International Fund Managers Limited 安本國際基金管理有限公司 As a member of Aberdeen Asset Management PLC, Aberdeen International Fund Managers Limited (AIFML) is the Group s Hong Kong subsidiary, responsible for Chinese equity research and sales & marketing. Aberdeen Asset Management is a UK-based, independent investment manager. Our sole business is the management of third party assets, principally through equities, fixed income and property. Clients include major institutions around the world such as central banks, sovereign wealth funds national and corporate pension schemes, as well as other financial managers; we also sell to retail investors via intermediaries. Current assets under manager are US$158.4bn* (as at end December 2008). Founded 25 years ago, we have expanded both organically and via acquisition, first in the UK, then internationally. Led by a senior management team that has been together for over ten years, our strategy is simple: to manage money as close as practicable to where we invest, and to market our expertise alongside to local investors, provided that we can do so profitably. Today the Group has 24 offices around the world, with key investment centres in London, Philadelphia, Singapore and Sydney. The Group is a public company, listed on the London Stock Exchange since AIFML is also the global distributor and investment manager for the Aberdeen Global fund range, domiciled in Luxembourg, which is our principal umbrella product in the SAR. This range includes 23 sub-funds totalling around US$7.5bn * (as at end December 2008). AIFML distributes funds via commercial banks, brokerages, insurance companies and financial advisers. In addition the company represents the Group to institutional clients. AIFML was set up in 1998, when the Aberdeen Global Fund range was originally acquired. * Source: Aberdeen Asset Management (Asia) Limited 安本國際基金管理有限公司 ( 安本國際 ) 是安本集團 (Aberdeen Asset Management PLC) 在香港的附屬公司, 專責中國股票研究, 以及銷售與市場推廣 安本集團是建基於英國的獨立投資管理公司, 專注從事管理第三方資產的業務, 主要投資於股票 債券及地產 安本集團的客戶遍佈全球各地, 包括中央銀行 主權財富基金 國家及企業退休金計劃等主要機構客戶, 甚至是其他財富管理公司 我們亦透過中介機構向散戶投資者推售基金 安本集團目前管理的資產達 1,584 億美元 *( 截至 2008 年 12 月底 ) 創立 25 年來, 安本集團一直透過自然增長及收購不斷成長, 初期在英國發展, 其後擴展至國際市場 安本集團由經驗豐富的管理團隊領導, 團隊成員共事 10 年以上, 合作無間 我們的投資策略簡單明確 - 在有利可圖的情況下, 近距離管理投資資金, 同時運用我們的專業知識為本地投資者提供服務 時至今日, 安本集團在世界各地設有 24 家辦事處, 並於倫敦 費城 新加坡及悉尼設有主要投資中心 安本集團是上市公司, 自 1991 年起於倫敦證券交易所上市 安本國際同時是安本環球基金系列的全球分銷商及投資經理 安本環球基金系列在盧森堡註冊, 是我們在香港特區的主要傘子基金產品, 由 23 項子基金組成, 總值接近 75 億美元 *( 截至 2008 年 12 月底 ) 安本國際透過商業銀行 經紀行 保險公司及財務顧問分銷基金, 亦代表安本集團服務亞洲的機構客戶 安本國際於 1998 年收購安本環球基金系列時成立 * 資料來源 : 安本資產管理 ( 亞洲 ) 有限公司 Allianz Global Investors A Symbol of Excellence, Range and Expertise Founded in 1890 and headquartered in Munich, Germany, Allianz Group is the top-three 1 global asset management company with assets under management of 1.92 trillion and a financial strength rating of AA by S&P 2. Allianz Global Investors, the asset management division of Allianz Group, offers comprehensive investment products, covering major equity and fixed income investment styles, through six investment managers including PIMCO, RCM, NFJ Investment Group, Nicholas Applegate, Oppenheimer Capital and AAAm. 1 Source: Allianz SE, as at 30 June Source: S&P, as at 1 September 2008 德盛安聯資產管理運用多種風格滿足投資需求 成立於 1890 年及總部設於德國慕尼黑, 安聯集團為全球第三大 1 環球資產管理公司, 管理 1.92 萬億美元資產及獲標準普爾 AA 級財政能力評級 2 德盛安聯資產管理為安聯集團之資產管理部門, 透過 6 個投資經理 PIMCO RCM NFJ Investment Group Nicholas Applegate Oppenheimer Capital 及 AAAm, 提供多種投資風格包括股票及債券的投資產品 1 資料來源 : 安聯集團, 截至 2008 年 6 月 30 日 2 資料來源 : 標準普爾, 截至 2008 年 9 月 1 日 Standard Life Fund Options 13

14 Baring Asset Management 霸菱資產管理 The Barings Group was founded in 1762 in UK and established its asset management business, now known as Baring Asset Management since Back in 1976, Barings was among the first firms to open an investment management office in Hong Kong. Today, Barings is a global asset management firm with headquarters in London and major investment offices in Boston, Hong Kong and Tokyo, with 44.6 billion of assets under management (AUM) *. In Barings, our main business focus in Asia is to manage asset locally and to distribute its range of institutional products and managed unit trusts. Within the region, we manage assets for clients including regional central banks, pension funds as well as retail banks and insurance companies. * Source: Baring, dated as of 31 Aug 2008 霸菱集團早於 1762 年在英國成立 集團的投資部亦於 1958 年正式冠名為 霸菱資產管理 自 1976 年起, 霸菱集團已於香港設立辦事處, 是首間在香港設立投資辦事處的外資公司之一 時至今日, 霸菱集團已為一家環球資產管理公司, 除位於倫敦的總部外, 集團亦於波士頓 香港及東京設有主要投資辦事處, 管理資產總值達 446 億美元 * 霸菱集團於亞洲區內的主要業務除進行當地投資外, 亦包括為旗下一系列的機構投資產品及管理之單位信託基金作分銷, 集團為區內不同客戶提供資產管理服務, 包括中央銀行 退休基金 各大分銷銀行及保險公司 * 資料來源 : 霸菱, 截至 2008 年 8 月 31 日 BlackRock (Hong Kong) Limited (previously known as Merrill Lynch Investment anagers) BlackRock is one of the world s largest publicly traded investment management firms. At March 31, 2008, BlackRock s AUM was $1.364 trillion. The firm manages assets on behalf of institutions and individuals worldwide through a variety of equity, fixed income, cash management and alternative investment products. In addition, a growing number of institutional investors use BlackRock Solutions investment system, risk management and financial advisory services. Headquartered in New York City, as of March 31, 2008, the firm has approximately 5,600 employees in 19 countries and a major presence in key global markets, including the U.S., Europe, Asia, Australia and the Middle East. Source: BlackRock (Hong Kong) Limited 貝萊德 ( 香港 ) 有限公司 ( 前名稱美林投資管理 ) 貝萊德是全球最大規模的公開交易投資管理公司之一, 截至 2008 年 3 月 31 日止管理的資產總值為 萬億美元 公司透過提供多元化的股票 定息 現金管理及另類投資產品, 為世界各地的機構及個人投資者管理資產 此外, 使用 BlackRock Solutions 的投資系統 風險管理及金融顧問服務的機構投資者日增 貝萊德的總部位於紐約市, 截至 2008 年 3 月 31 日, 貝萊德在全球 19 個國家聘有約 5,600 名僱員, 並於美國 歐洲 亞洲 澳洲及中東等主要環球市場雄踞重要的市場佔有率 資料來源 : 貝萊德 ( 香港 ) 有限公司 14 Standard Life Fund Options

15 FIL Investment Management (Hong Kong) Limited (Fidelity) 富達基金 ( 香港 ) 有限公司 FIL Investment Management (Hong Kong) Limited was established in Hong Kong in 1981 and currently offers more than 80 mutual funds to investors through over 100 distributors in Hong Kong, including retail banks and insurance companies. FIL Investment Management (Hong Kong) Limited is a subsidiary of FIL Limited. FIL Limited was established in Bermuda in 1969, serving major world markets by providing investment products and services to individuals and institutional investors outside the U.S. The FIL Limited organisation manages a total of US$257.7 billion of assets 1 and it has offices in 23 countries including the UK, Germany, Japan, Hong Kong and India. Our US affiliate, FMR LLC was founded in Boston in Combining the resources of over 900 investment professionals across the globe 2 from FIL Limited and FMR LLC, we cover 95% of the world s stock markets by captalisation 3. Fidelity has been rewarded with numerous renowned industry accolades both locally and regionally. We have been recognized as the Best Fund Management Group Awards in Hong Kong for three years in a row. 4 Our hard work in bringing our investors outstanding performance also won us 6 awards in the Lipper Fund Awards Hong Kong in The company s corporate culture is built upon the goal of delivering the very best client service and upholding the highest ethical standards in its approach. This commitment to client interests and conducting business ethically is the basis of its success over a period of nearly four decades and has been recognized through the receipt of Asia Asset Management s Best of the Best Country Awards 2007: Winner award for Hong Kong Best Client Servicing for MPF as well as Sing Tao Excellent Services Brand Award 2008 (Fund Company). 1 Source: Fidelity, as at 30/6/ Resources are as at 31/3/2008. These figures reflect the resources of FIL Limited and its subsidiaries, and those of FMR LLC, our U.S. affiliate, and its subsidiaries. FIL Investment Management (Hong Kong) Limited is a wholly owned subsidiary of FIL Limited 3 Source: Fidelity, as at 31/3/ SCMP Fund Awards 2007 Best Fund Management Group (Five-Year Award); Best Fund Management Group (Three, Five and Ten-Year Awards); Best Performing Fund Management Group (Three and Ten-Year Awards) Investment involves risks. Past performance is not indicative of future performance. Please refer to the Fidelity Prospectus for Hong Kong Investors for details. Fidelity, Fidelity International, and Fidelity International and Pyramid Logo are trademarks of FIL Limited. 富達基金 ( 香港 ) 有限公司於 1981 年在香港成立, 現時透過本港逾 100 個分銷商為投資者提供超過 80 項基金, 分銷商包括零售銀行及保險公司 富達基金 ( 香港 ) 有限公司為 FIL Limited 之附屬公司 FIL Limited 於 1969 年在百慕達成立, 為美國以外的個人及機構投資者提供投資產品及服務, 業務遍佈全球主要市場 FIL Limited 管理的資產總值 2,577 億美元 1, 並在全球 23 個國家包括英國 德國 日本 香港及印度設有分公司 FMR LLC 是 FIL Limited 的聯營機構, 於 1946 在美國波士頓成立 結合 FIL Limited 及 FMR LLC 於全球超過 900 名的投資專才 2, 我們的分析覆蓋環球股市總市值 95% 3 多年來, 富達屢獲多項廣受業界認同的本地及區域大獎 過去三年, 我們連續榮膺香港最佳基金經理大獎 4 我們持續爭取最佳投資表現的努力, 更讓我們在 2008 年在 理柏香港基金年獎 2008 奪得六項大獎 富達的企業文化一直以為客戶提供最優質服務及保持最高道德水平為基礎 富達以客戶利益為依歸及對商業道德的承諾, 是過去近 40 年的致勝關鍵, 更榮膺亞洲資產管理導報 (Asia Asset Management) 2007 年度成就大獎中的 最佳香港強積金顧客服務大獎 及在星島日報舉辨的星鑽服務品牌選舉 2007( 基金公司 ) 中勝出 1 資料來源 : 富達, 截至 2008 年 6 月 30 日 2 資料來源截至 2008 年 3 月 31 日計算 以上數字包括於 FIL Limited 其附屬公司及其於美國之聯營公司 FMR LLC 及其附屬公司擁有的資源 富達基金 ( 香港 ) 有限公司為 FIL Limited 之全資附屬公司 3 資料來源 : 富達, 截至 2008 年 3 月 31 日 南華早報基金獎 最傑出基金管理公司大獎 5 年 ; 2005 最傑出基金管理公司大獎 3 年 5 年及 10 年 ; 2004 最傑出基金管理公司大獎 3 年及 10 年 投資涉及風險, 基金過往的表現並不表示將來亦會有類似的業績 詳情請細閱富達香港投資者認購章程 富達 及其標誌均為 FIL Limited 的商標 Standard Life Fund Options 15

16 First State Investments (Hong Kong) Limited 首域投資 ( 香港 ) 有限公司 First State Investments is the International operation of Colonial First State Global Asset Management, the asset management business of Commonwealth Bank of Australia. The group has funds under management of US$146.7 billion (A$152.9b) and is the largest fund manager in Australia with investment offices in Sydney, London, Edinburgh, Singapore, Hong Kong and Indonesia. The Commonwealth Bank of Australia is an international financial services company listed on the Australian Stock Exchange, and is one of the largest banks in Australia. The group has total assets held and funds under management of US$634.8 billion (A$661.5b). First State Investments in Hong Kong is focused on unit trusts, mutual funds and institutional portfolios. The company offers a wide range of investment products, including global and Asian equity and fixed income portfolios. First State Investments has a proven track record in investment management and the First State Asian fund range has acquired a number of outstanding Fund achievements and Awards in 2007 and 首域投資為 Colonial First State Global Asset Management 國際部門, 負責澳洲聯邦銀行基金管理業務 管理資金總額達 1,467 億美元 (1,529 億澳元 ) 乃澳洲最大規模的基金經理並於悉尼 倫敦 愛丁堡 新加坡 香港及印尼設有辦事處 澳洲聯邦銀行乃在澳洲證券交易所上市的國際性金融服務公司, 並且在澳洲是最大規模的銀行之一 澳洲聯邦銀行集團所持有及管理的總資產多達 6,348 億美元 (6,615 億澳元 ) 首域投資在香港專注於單位信託基金 互惠基金及機構投資組合 ; 該公司提供多元化投資產品, 包括全球及亞洲的股票及定息投資組合 首域投資及一系列亞洲基金憑藉超卓的基金表現及專業管理, 在 2007 及 2008 年榮獲多項基金獎項 The above awards received are based on performance as of 31/12/2007. Total assets and funds under management are based on 30 June 2008 figures. # Source: First State Investments (Hong Kong) Limited 以上獎項按照截至 2007 年 12 月 31 日的基金表現頒發 資產總值及管理資金數據以 2008 年 6 月 30 日資料為準 # 資料來源 : 首域投資 ( 香港 ) 有限公司 Fortis Investments 富通資產管理 Since April 1, 2008, ABN AMRO Asset Management has become a member of the Fortis Investment Management Group. Fortis Investments is a multi-centre, multi-product global asset management company. As a result of the integration of the asset management activities of ABN AMRO Asset Management, Fortis Investments has assets under management of EUR 209 billion*, with over 50% of its revenues generated from third-party clients. With dominance and strength in Europe, a substantial position in Asia and an enlarged footprint in the Americas, the company has a true global presence, with sales offices and some 40 dedicated investment centres located around the world. Fortis Investments offers international investment solutions while meeting the requirements of local investors, both institutional and wholesale retail. Employees in the combined entity number over 2,000, of whom around 600 are dedicated investment professionals. Activities range from institutional portfolio management to the development and management of mutual funds, such as the Fortis L Fund, which has some 160 subfunds. Fortis Investments is a client-driven organisation that uses a disciplined investment process to satisfy its clients varied needs. 荷銀投資管理已於 2008 年 4 月 1 日起, 成為富通資產管理集團的成員公司 富通資產管理是一家擁有多類投資產品的環球資產管理公司, 在全球多個地點設有分行 與荷銀投資管理的資產管理業務合併後, 富通資產管理現擁有 2,090 億歐元總資產值 *, 超過 50% 的收益來自零售客戶 憑藉在歐洲市場的雄厚實力 於亞洲市場的超然地位, 以及日漸擴張的美洲市場份額, 公司的業務遍佈全球, 在各地設有銷售辦事處和 40 多個專設投資中心 富通資產管理提供國際投資方案, 以滿足當地機構投資者及批發零售投資者的需要 合併後的新公司聘用逾 2,000 名員工, 當中約 600 名為投資專業人員 公司的業務包括機構投資組合管理 開發和管理互惠基金, 包括擁有約 160 項附屬基金的富通 L 基金系列 富通資產管理以客戶為先, 透過嚴謹的投資程序滿足客戶的不同需要 * Source: Fortis Investments, dated as of 30 June, 2008 * 資料來源 : 富通資產管理, 截至 2008 年 6 月 30 日 16 Standard Life Fund Options

17 Franklin Templeton Investments (Asia) Limited 富蘭克林鄧普頓投資 ( 亞洲 ) 有限公司 Franklin Resources, Inc. (NYSE:BEN) is a global investment organisation operating as Franklin Templeton Investments. They have been in the investment management business for over 60 years and offer products under the Franklin, Templeton, Mutual Series and Fiduciary names, serviced and supported by over 8,000 employees* in 30 countries. They manage more than US$404 billion worldwide (as of 30 Nov 2008). Franklin s approach to investing is one of flexibility in management. Being disciplined, team orientated, and research driven, each stock purchased is only done after painstaking analysis of fundamentals. Templeton specialises in investing globally, using a value-based bottom-up style for stock selection. All of the Funds managed by the Templeton organisation are guided by a disciplined, long term approach to value based global investing. The Mutual Series Team was introduced into the Group when Heine Securities was acquired in Mutual Series have a more aggressive, value-driven approach to investment. * Source: Franklin Templeton Investments (Asia) Limited Franklin Resources, Inc. 紐約證交所代號:BEN 是以富蘭克林鄧普頓投資名義營運的環球投資機構 他們已有超過 60 年的投資管理經驗, 並透過富蘭克林 鄧普頓 互惠系列及豐信國際信託為客戶提供不同類型的基金產品 他們的辦事處設於全球 30 個國家, 有員工超過 8000 人 * 截至 2008 年 11 月 30 日, 管理逾 4,040 億美元的資金 富蘭克林之投資策略在管理上有一定的彈性 每項股票都經詳細的基本分析 他們的投資隊伍以嚴謹方法及深入研究為主道以選取股票 鄧普頓精於環球投資, 並採用 由下而上 的選股策略 鄧普頓管理的所有基金, 均按照嚴謹及長遠的投資策略, 作全球性投資, 尋求具增長潛力的投資項目 互惠系列隊伍於 1996 年富蘭克林收購 Heine 證券而加入本集團 其為一間比較進取及以價值取向策略的投資公司 * 資料來源 : 富蘭克林鄧普頓投資 ( 亞洲 ) 有限公司 Henderson Global Investors 宏信環球投資 Founded in 1934, Henderson is a leading investment manager, providing a wide range of investment products and services to institutions and individuals in Asia, Europe and North America. Henderson is part of Henderson Group plc, which list on the London (FTSE 250) and Australian (S&P ASX 200) stock exchanges. Henderson manages over EUR64.9bn (as at 30 Sep 2008) in assets under management, and employs around 900 people worldwide. Henderson has a clear focus on investment management and manufactures a broad range of investment products for institutional and retails investors across multiple asset classes including equities, fixed income, private equity and property. Henderson has European offices in Amsterdam, Frankfurt, Paris, Milan, Zurich, Vienna and London, which is the head office, Henderson has had a presence in North American since 1999, when it acquired US real estate investment manager Phoenix Realty Advisers, and has offices in Chicago and Hartford. In Asia, Henderson has offices in Hong Kong, Singapore and Tokyo. With investment expertise across every asset class, Henderson s skilful investment managers invest in every major market around the globe. They are supported by a global team of researchers and economists who have a keen understanding of the economic forces driving the security markets and who undertake rigorous sector and theme analysis. Underpinning this process is a comprehensive risk-control framework to ensure that investment views are translated into portfolios managed in line with investors risk and return requirements. Source: Henderson Global Investors 宏信是表現領先的投資經理之一, 於 1934 年成立, 為亞洲 歐洲及北美洲機構與個別投資者提供一系列廣泛的投資產品和服務 宏信環球投資為 HendersonGroup plc 的子公司 Henderson Group plc 於倫敦 ( 富時 250 指數 ) 和澳洲 ( 標準普爾 / 澳洲 200 指數 ) 證券交易所上市 宏信旗下管理的資產逾 64.9 億歐元 ( 截止 2008 年 9 月 30 日 ), 全球僱用 900 名職員 宏信的投資管理定位清晰, 為機構與零售投資者提供多元化的積極型管理投資產品, 包括股票 定息投資 私人股票及地產等不同的資產類別 宏信在歐洲的阿姆斯特丹 法蘭克福 巴黎 米蘭 蘇黎世 維也納和倫敦設有辦事亦為公司總部 在 1999 年併購美國地產投資管公司 Phoenix RealtyAdvisers 之後, 宏信開始進駐北美市場, 並在芝加哥和哈特福設立辦事處 宏信在亞洲的辦事處分別設於香港 新加坡和東京 宏信匯聚不同投資經理, 經驗豐富, 投資遍佈全球各個主要市場 宏信環球團隊由研究員及經濟分析師組成, 洞悉影響證券市場的各種經濟動力, 並進行嚴謹的行業及主題分析 團隊根據全的風險管制架構進行分析, 以確保投資組合能反映有關的投資意見, 並符合投資者的風險與回報要求 資料來源 : 宏信環球投資 Standard Life Fund Options 17

18 J.P. Morgan Asset Management (previously known as JF Asset Management Limited) 摩根資產管理 ( 前稱.. JF 資產管理有限公司 ) J.P. Morgan Asset Management is the asset management division of JPMorgan Chase & Co. and is one of the world s largest asset managers. With a heritage of more than two centuries, a broad range of core and alternative strategies, and investment professionals operating in every major world market, we offer investment experience and insight that few other firms can match. We have a global network of over 650 investment professionals located in some 40 locations worldwide and assets under management of over 1.2 trillion. This enormous global investment capability is based on a strong local market presence across four regions - Asia, Europe, Japan and the US. Our investment arm in Asia JF Asset Management is one of the largest investment teams in the region and is widely regarded as the Asian specialist. With the reputation for innovation and market leadership, we are committed to helping investors reach their financial goals by providing them with a broad range of professionally managed funds, excellence in investment performance, and the highest quality of client service. Source: J.P. Morgan Asset Management, dated as of 30 September 2008 摩根資產管理 涵蓋 摩根大通集團 旗下的資產管理業務, 是全球最大的資產管理公司之一 憑藉超過兩百年的歷史傳承, 多元化的核心與另類策略, 以及坐鎮世界各主要市場的投資專才, 我們的投資經驗和視野堪稱罕有其匹 本集團在全球近 40 處地方共駐有超過 650 位卓越投資專才, 管理資產總值超過 1.2 萬億美元 我們對亞洲 日本 歐洲及美國四大區域的投資形勢均瞭如指掌, 能讓投資者盡享雄厚環球網絡的優勢 我們的亞洲投資部門 JF 資產管理, 更擁有區內最強大的投資隊伍之一, 是廣受推崇的亞洲投資專家 秉承創新及領先市場的宗旨, 我們設有一系列由專家管理的基金, 以及各種完善的客戶服務, 致力協助投資者達成理財目標 資料來源 : 摩根資產管理, 數據截至 2008 年 9 月 30 日 Man Investments (Hong Kong) Limited Man Investments (Hong Kong) Limited Established in 1983, Man Investments is a global leader in the fast growing alternative investment industry. The company has always focused exclusively investment and, through its specialist investment managers, has developed in depth knowledge and strengths in different alternative asset classes including hedge funds, leveraged finance and convertible bonds. It has launched over 500 products, many of them with leading financial institutions. Man headquarters are in Switzerland and London and it also has offices in Chicago, Hong Kong, the Middle East, Montevideo, Sydney, Tokyo and Toronto. Man Investments is part of Man Group plc, an international financial services business that is listed on the London Stock Exchange and is a constituent of the FTSE 100 index of major companies. Source: Man Investments (Hong Kong) Limited Man Investments 於 1983 年成立, 是環球具領導地位的另類投資管理公司 Man 著眼於另類投資, 透過其核心投資經理, 它在對沖基金 槓桿融資及可轉換債券這三個範疇上, 皆顯示出它在不同另類資產類別所發展的專業智慧及優勢 Man 現已於全球各地推出超過 500 項投資產品, 大部份與著名金融機構合作推出 Man 的總部設於瑞士和倫敦, 並在芝加哥 香港 中東 蒙特維多 紐約 悉尼 東京及多倫多設有地區辦事處 Man Investments 為 Man Group plc 轄下的公司 ;Man Group plc 是國際金融服務企業, 於倫敦證券交易所掛牌, 亦是英國富時 100 指數的主要成份公司之一 資料來源 : Man Investments (Hong Kong) Limited Schroder Investment Management (Hong Kong) Limited Schroders is a leading independent international asset management and private banking group, with more than 200 years experience in financial services and over US$204.5 billion in assets under management*. Schroders independence and single focus on asset management enables us to align our interests with those of our clients worldwide. We aim to apply our specialist asset management skills to serve the needs of our clients, utilizing the 370 plus portfolio managers and analysts covering the world s investment markets from our global network of 37 offices in 28 countries *. Schroders is highly committed to excellence in risk management. We have a stringent research and investment process which provides security and confidence in our ability to produce consistent performance for our clients. * Source: Schroder Investment Management (Hong Kong) Limited, dated as of 30 September 2008 施羅德投資管理 ( 香港 ) 有限公司 ( 前稱..寶源投資管理 ( 香港 ) 有限公司 ) 施羅德投資管理是全球具領導地位獨立國際資產管理和私人銀行集團, 擁有超過二百年豐富經驗, 致力提供專業的投資管理服務, 現時管理資產總值逾 2,045 億美元 * 施羅德秉持獨立經營方式, 而且專注於資產管理業務, 令我們能切合全球客戶的需要 施羅德的業務網絡貫通全球, 遍及 28 個國家, 合共設有 37 個辦事處, 並且聘用了超過 370 位投資經理和分析師 *, 緊貼各地市場, 務求發揮專業資產管理技巧, 滿足客戶所需 施羅德非常重視風險管理, 訂有嚴謹的分析和投資程式, 致力為客戶達到投資的目標 * 資料來源 : 施羅德投資管理 ( 香港 ) 有限公司, 截至 2008 年 9 月 30 日 18 Standard Life Fund Options

19 Standard Life Investments (Hong Kong) Limited 標準人壽投資 ( 香港 ) 有限公司 Standard Life Investments is a leading Asset Management Company, with over US$220 billion of assets under management as at 30 September Standard Life Investments focus on delivering consistently leading investment results for clients. Our global investment network, enhanced by our presence on the ground in key markets, provide us a clear understanding of worldwide investment issues. We have operations in Edinburgh, London, Montreal, Boston, Hong Kong and Dublin. We also have representative offices in Beijing, Sydney, Seoul and a joint venture in India. Our global platform provides the local insight to give over five million clients exceptional investment performance. Standard Life Investments success is based on talented team guided by a robust and repeatable investment philosophy and process. Our Focus On Change philosophy recognises that different factors drive markets at different times in the investment cycle. It is not inherently growth or value biased or necessarily momentum driven. This means that we have an opportunity to outperform throughout the cycle. To achieve rapid and effective communication, we use a Common Investment Language, when discussing all our investment insights. The Standard Life Investments Asia team is a key part of our global platform. Based in Hong Kong, the team gives us a crucial Asian presence, analysing Pacific Basin markets and managing Pacific Basin equity portfolios. Standard Life Investments is a wholly owned subsidiary of Standard Life. We offer a full range of investment services to clients, including: Segregated equity and bond portfolios Mutual Funds Private Equity Real Estate Global Liquidity Funds Global Absolute Return strategies Structured solutions to meet liability driven investment needs Source: Standard Life Investments (Hong Kong) Limited 標準人壽投資是頂尖的資產管理公司, 截至 2008 年 9 月 30 日管理的資產總值超過 2,203 億美元 標準人壽投資專注為客戶提供一貫領先的投資成果 我們環球投資網絡覆蓋多個主要市場, 對環球投資問題提供我們獨到清晰的見解, 本公司並於愛丁堡 倫敦 蒙特利爾 波士頓 香港及都柏林經營業務, 我們分別在北京 悉尼 首爾設有辦事處以及合資公司在印度 我們的環球平台帶來本地啟示, 令我們為超過五百萬客戶爭取優越的投資表現 標準人壽投資的成功建基於其出色的投資團隊, 並運用嚴謹及可重覆的投資理念及過程 我們的變動因子管理投資哲學認為在不同的投資週期, 由不同因素主導市場 這投資哲學不是固有的增長或價值偏向, 或由動力所帶動, 故意味著我們有機會在不同的投資週期內都能維持領先的表現 為了達到迅速及有效的溝通, 在討論投資觀點時, 我們會使用共通的投資語言 標準人壽投資亞洲團隊是本公司全球平臺的關鍵一部分 這個團隊駐於香港, 對本公司于亞洲業務有著極其重要的意義 ; 我們負責分析太平洋市場及管理太平洋股票投資組合 標準人壽投資是標準人壽的全資附屬公司 本公司為客戶提供一系列的服務, 包括 : 獨立的股票及債券投資組合 共同基金 私人股權 房地產 全球流動基金 全球絕對回報策略 用於解決負債導向投資需要的結構性方案 資料來源 : 標準人壽投資 ( 香港 ) 有限公司 Standard Life Fund Options 19

20 Investment Choice Information 投資選擇資料 Equity Market Global 股票市場 - 環球 Aberdeen Global - World Equity Fund A2 Reference Code: 10AU Unit Price Currency: Annual Management Fee: Investment objectives: The underlying fund s investment objective is long-term total return to be achieved by investing at least two-thirds of the underlying fund s assets in equities and equity-related securities. The base currency of the underlying fund is US Dollars. BGF Global Dynamic Equity Fund (A2) Reference Code: 06MU Unit Price Currency: Annual Management Fee: Investment objectives: The underlying fund seeks to maximise total return. The underlying fund invests globally, with no prescribed country or regional limits, at least 70% of its total assets in equity securities. The underlying fund will generally seek to invest in securities that are, in the opinion of the Investment Advisor, undervalued. The underlying fund may also invest in the equity securities of small and emerging growth companies. Currency exposure is flexibly managed. BGF Global Opportunities Fund (A2) Reference Code: 08MU Unit Price Currency: Annual Management Fee: Investment objectives: The underlying fund seeks to maximize total return. The underlying fund invests global at least 70% of its total assets in the equity securities of smaller capitalization companies. Smaller capitalization companies are considered companies which, at the time of purchase, form the bottom 30% by market capitalization of global stock markets. Currency exposure is flexibly managed. BGF Global SmallCap Fund (A2) Reference Code: 09MU Unit Price Currency: Annual Management Fee: Investment objectives: The underlying fund seeks to maximise total return. The underlying fund invests globally at least 70% of its total assets in the equity securities of smaller capitalisation companies. Smaller capitalisation companies are considered companies which, at the time of purchase, form the bottom 30% by market capitalisation of global stock markets. Although it is likely that most of the underlying fund s investments will be in companies located in the developed markets of North America, Europe and the Far East, the underlying fund may also invest in the developing markets of the world. Currency exposure is flexibly managed. 安本環球 - 世界股票基金 - A2 股參考編號.. 10AU 單位價格貨幣..美元估值日 : 每營業日相連基金資料管理年費.. 投資目標..相連基金的投資目標是通過將該項相連基金至少三分之二的資產投資於股票及股票相關證券, 以獲取長期總回報 相連基金的基本貨幣是美元 貝萊德環球動力股票基金 美元 (A2 股 ) 參考編號.. 06MU 單位價格貨幣..美元估值日 : 每營業日相連基金資料管理年費.. 投資目標..相連基金爭取最高總回報 相連基金可在全球投資, 不受國家或地域限制, 不少於 70% 總資產投資在股本證券 相連基金一般會投資在投資顧問認為價值被低估的證券, 亦可投資在小企業及新興企業的股本證券 貨幣風險靈活管理 貝萊德環球特別時機基金 美元 (A2 股 ) 參考編號.. 08MU 單位價格貨幣..美元估值日 : 每營業日相連基金資料管理年費.. 投資目標..相連基金以盡量提高總回報為目標 相連基金將總資產至少 70% 投資於全球各地較小市值公司的股權證券 較小市值公司指於購入時為環球股票市場資本最少的 30% 的公司 相連基金的貨幣風險將靈活管理 貝萊德環球小型企業基金 美元 (A2 股 ) 參考編號.. 09MU 單位價格貨幣..美元估值日 : 每營業日相連基金資料管理年費.. 投資目標..相連基金爭取最高總回報 相連基金在全球投資, 將不少於 70% 總資產投資在小企業的股本證券 小企業指購入時佔全球股票市場市值最低 30% 的公司 雖然相連基金主要投資在北美 歐洲及遠東等發達市場的公司, 但亦會投資全球發展中市場的公司 相連基金的貨幣風險靈活管理 20 Standard Life Fund Options

21 Franklin Templeton Investment Funds Franklin Mutual Beacon Fund A acc Reference Code: 04TU Unit Price Currency: Annual Management Fee: Investment objectives: The underlying fund s investment objective is long-term total return to be achieved by investing at least two-thirds of the underlying fund s assets in equities and equity-related securities. The base currency of the underlying fund is US Dollars. Franklin Templeton Investment Funds Franklin Mutual Global Discovery Fund A acc Reference Code: 06TU Unit Price Currency: Annual Management Fee: Investment objectives: The underlying fund s investment objective is capital appreciation. Under normal market conditions, the underlying fund will pursue its objective primarily through investments in common stock, preferred stock and debt securities convertible or expected to be convertible into common or preferred stock of companies of any nation that the Investment Manager believes are available at market prices less than their value based on certain recognized or objective criteria (intrinsic value). The underlying fund expects to invest primarily and may invest up to 100% of it net assets in non-u.s. issuers which may include sovereign debt and participations in foreign government debt. Franklin Templeton Investment Funds Templeton Global Smaller Companies Fund A acc * Reference Code: 14TU Unit Price Currency: Annual Management Fee: Investment objectives: Seeks long-term capital growth by investing in equity and debt obligations of smaller companies (companies with a market capitalization below 2 billions or equivalent at the time of purchase) throughout the world. * Effective 30 April 2007, Franklin Templeton Investment Funds - Templeton Global Smaller Companies Fund - A Acc is not available for new subscription. Standard Life Investments Global Equities Fund Reference Code: GE1H Unit Price Currency: HKD Annual Management Fee: 1.35% Investment objectives: The objective of the underlying fund is to achieve long-term growth in the share price through capital appreciation of the underlying equity portfolio. It will achieve this objective primarily through investment in equities and equity related securities of corporations registered stock exchanges. 富蘭克林鄧普頓投資基金 富蘭克林互惠指標基金 A 累算參考編號.. 04TU 單位價格貨幣..美元估值日 : 每營業日相連基金資料管理年費.. 投資目標..相連基金的投資目標是通過將該項相連基金至少三分之二的資產投資於股票及股票相關證券, 以獲取長期總回報 相連基金的基本貨幣是美元 富蘭克林鄧普頓投資基金 富蘭克林互惠環球探索基金 A 累算參考編號.. 06TU 單位價格貨幣..美元估值日 : 每營業日相連基金資料管理年費 : 投資目標..相連基金的投資目標為資本增值 在正常市場環境下, 相連基金將主要透過投資於任何投資經理相信可以低於根據若干認可或客觀準則 ( 實質價值 ) 的市場價格購入的普通股 優先股及可兌換或預期可兌換成普通股或優先股的債務證券以達到其投資目標 相連基金預期主要投資於及可將其 100% 的資產投資於非美國發行機構, 包括主權債務及參與外國政府的債務 富蘭克林鄧普頓投資基金 鄧普頓環球小型公司基金 A 累算 * 參考編號.. 14TU 單位價格貨幣..美元 估值日 : 每營業日相連基金資料管理年費.. 投資目標..相連基金以盡量提高總回報為目標 相連基金將總資產至少 70% 投資於全球各地較小市值公司的股權證券 較小市值公司指於購入時為環球股票市場資本最少的 30% 的公司 相連基金的貨幣風險將靈活管理 * 由 2007 年 4 月 30 日起富蘭克林鄧普頓投資基金 鄧普頓環球小型公司基金 A 累算將停止接受認購申請 標準人壽投資環球股票基金參考編號.. GE1H 單位價格貨幣..港幣估值日 : 每營業日相連基金資料管理年費 % 投資目標..相連基金的目標是利用其股票投資組合的資本增值使股價長期增長 相連基金主要透過投資於在認可股票交易所註冊的企業之股票及與股票相關之證券以實現該目標 Standard Life Fund Options 21