All the information presented are those of the constituent funds offered by Principal MPF - Simple Plan. 所有呈列的資料乃信安強積金 - 易富之選成分基金的資料 Principal Age 65

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1 Principal MPF - Simple Plan Monthly Performance Summary 信安強積金 - 易富之選基金表現月結報告 Data as of 數據截至 31/10/2018 IMPORTANT INFORMATION 1. The Principal - MPF Conservative Fund in Principal MPF - Simple Plan (the Plan") does not guarantee the repayment of capital. 2. Please be reminded that in the event that you do not make any investment choices or if you submit an investment mandate which is invalid in the circumstances set out in the relevant scheme enrolment form, your contributions made and / or benefits transferred into Principal MPF Simple Plan will be invested into the Default Investment Strategy (DIS) as stated in section 6.5A of this offering document. 3. You should consider your own risk tolerance level and financial circumstances before investing in the DIS. You should note that the Principal Core Accumulation Fund and the Principal Age 65 Plus Fund may not be suitable for you, and there may be a risk mismatch between the Principal Core Accumulation Fund and the Principal Age 65 Plus Fund and your risk profile (the resulting portfolio risk may be greater than your risk preference). You should seek financial and / or professional advice if you are in doubt as to whether the DIS is suitable for you, and make the investment decision most suitable for you taking into account your circumstances. 4. You should note that the implementation of the DIS may have an impact on your MPF investments and benefits. You should consult with the Trustee if you have doubts on how you are being affected. 5. Fees and charges of a MPF conservative fund can be deducted from either: (i) the assets of the constituent fund; or (ii) members account by way of unit deduction. The Principal - MPF Conservative Fund uses method (i) and, therefore, unit prices/nav/fund performance quoted have incorporated the impact of fees and charges. 6. You should not invest based on this document alone and should read the relevant offering document for further details including product features, fees and charges and risk factors. 重要資料 1. 信安強積金 - 易富之選 ( 本計劃 ) 內的信安 - 強積金保守基金的回報並非本金保證 2. 請謹記, 若您沒有作出任何投資選擇或若您提交的投資授權書在有關計劃登記表格內所列的情況下屬無效, 則您所作出的供款及 / 或轉移至信安強積金 - 易富之選的權益, 將根據本說明書第 6.5A 節的規定, 投資於預設投資策略 ( 預設投資 ) 3. 在投資於預設投資策略前, 您應考慮個人可承受風險的程度及財政狀況您應注意, 信安核心累積基金與信安 65 歲後基金未必適合您, 而且信安核心累積基金與信安 65 歲後基金和您的風險狀況之間可能存在風險錯配 ( 所導致的投資組合風險或會高於您的風險偏好 ) 若您對於預設投資策略是否適合您存有任何疑問, 您應徵詢財務及 / 或專業人士的意見, 並因應您的個人狀況作出最適合您的投資決定 4. 您應注意, 預設投資策略的實施或會影響您的強積金投資及權益若您對於會如何受到影響存有疑問, 您應諮詢受託人 5. 強積金保守基金的收費及費用可 ( 一 ) 透過扣除成分基金資產收取 ; 或 ( 二 ) 透過扣除會員 / 成員賬戶中的單位收取信安 - 強積金保守基金採用方式 ( 一 ) 收費, 故所列之單位價格 / 資產凈值 / 基金表現已反映費用及收費之影響 6. 您不應單獨依靠本刊物而作出投資, 並應細閱有關說明書以獲取進一步資料, 包括產品特徵, 收費及風險因素 NOTES: 1. The fund performance information of cumulative return, annualized return, annualized dollar cost averaging return and calendar year return are provided by Principal Insurance Company (Hong Kong) Limited. 2. The risk level is determined by Principal Insurance Company (Hong Kong) Limited based on the asset class of the relevant underlying. Such risk level will be reviewed yearly and updated in accordance with prevailing market circumstances (where applicable) and is provided for reference only. 3. Performance information of the fund will be presented only if they have investment track records of not less than 6 months. 4. The Calendar Year Return"will be calculated from the launch date to that calendar year end if the fund performance is less than 1 year. 5. The information contained in this document has not been reviewed in the light of your personal financial circumstances. If you need investment advice, you should seek professional advices from your financial advisers. This document is not and should not be construed as an offer to sell or solicitation of an offer to purchase or subscribe for any investment. The expressions of opinion in this document are subject to change without notice. 注意 : 1. 累積回報年度回報及曆年回報的基金表現資料由美國信安保險有限公司提供 2. 乃由美國信安保險有限公司根據相關匯集投資基金之資產級別決定此將每年進行檢討, 並因應主要市場情況作出更改 ( 如適用 ) 及僅供參考用途 3. 基金必須有最少 6 個月的投資往績紀錄, 方會呈列表現資料 4. 如基金表現少於一年, 該基金曆年回報以至該曆年年底計算 5. 本文件所載資料並無因應任何個人情況作出審核如您需要投資意見, 請向您的財務顧問徵詢專業意見本文件並非亦不應被視為要約出售或建議要約購買或認購任何投資本文件之內容所發表的意見, 可予修改而毋須作另外通知 Investment involves risk. Past performance information presented is not indicative of future performance. Please refer to the Offering Document of Principal MPF - Simple Plan for further details including product features, fees and charges and risk factors. Exclusive Distributor 獨家分銷商投資涉及風險過往業績數據並非未來業績的指標請參閱信安強積金 - 易富之選說明書以獲取進一步資料, 包括產品特徵, 收費及風險因素 MPF-SIMPLE

2 All the information presented are those of the constituent funds offered by Principal MPF - Simple Plan. 所有呈列的資料乃信安強積金 - 易富之選成分基金的資料 Principal Age 65 Plus Fund (MA65F) 信安 65 歲後基金 (MA65F) Low to Medium 低至中 3 個月年初至今年年 5 年 10 年成立至今 * 2 (%) 01/04/2017 HKD 港元 * Principal Age 65 Plus Fund is launched on 1 April The 2017 calendar year return of these funds represents performance from inception date (1 April 2017) to that calendar year-end (31 December 2017), which is not a full year return. * 信安 65 歲後基金成立於 2017 年 4 月 1 日該基金單位的 2017 曆年回報反映由成立日 (2017 年 4 月 1 日 ) 至該年年底 (2017 年 12 月 31 日 ) 的表現, 並不代表整年回報 Principal Core Accumulation Fund (MCAF) 信安核心累積基金 (MCAF) Medium to High 中至高 3 個月年初至今年年 5 年 10 年成立至今 * 2 (%) 01/04/2017 HKD 港元 * Principal Core Accumulation Fund is launched on 1 April The 2017 calendar year return of these funds represents performance from inception date (1 April 2017) to that calendar year-end (31 December 2017), which is not a full year return. * 信安核心累積基金成立於 2017 年 4 月 1 日該基金單位的 2017 曆年回報反映由成立日 (2017 年 4 月 1 日 ) 至該年年底 (2017 年 12 月 31 日 ) 的表現, 並不代表整年回報 Principal Dynamic Global Equity Fund (MGE) 信安動力環球股票基金 (MGE) /12/2006 HKD 港元 (%) 9.00 * The identities of multi-managers may change as a result of any changes to the underlying s as the may from time to time determine. 2

3 Principal Dynamic Asia Pacific Equity Fund (MAP) 信安動力亞太股票基金 (MAP) /12/2006 HKD 港元 (%) * The identities of multi-managers may change as a result of any changes to the underlying s as the may from time to time determine. Principal Dynamic Global Bond Fund (MGB) 信安動力環球債券基金 (MGB) Low to Medium 低至中 /12/2006 HKD 港元 (%) 3.09 * The identities of multi-managers may change as a result of any changes to the underlying s as the may from time to time determine. Principal Dynamic Hong Kong Equity Fund (MHK) 信安動力香港股票基金 (MHK) HKD 港元 (%) * The identities of multi-managers may change as a result of any changes to the underlying s as the may from time to time determine. 3

4 Principal Growth Fund (MGR) 信安增長基金 (MGR) HKD 港元 (%) Principal Balanced Fund (MBA) 信安均衡基金 (MBA) Medium to High 中至高 3 個月年初至今年年年年成立至今 HKD 港元 (%) 8.60 Principal Stable Fund (MST) 信安平穩基金 (MST) Medium 中 HKD 港元 (%)

5 Principal - MPF Conservative Fund (MCP) 信安 - 強積金保守基金 (MCP) Low 低 HKD 港元 (%) 0.08 Notes: 1. Fees and charges of a MPF conservative fund can be deducted from either (i) the assets of the constituent fund or (ii) members' account by way of unit deduction. The Principal - MPF Conservative Fund uses method (i) and, therefore, unit prices / NAV / fund performance quoted have incorporated the impact of such fees and charge. 2. Investment in the Principal - MPF Conservative Fund is not equivalent to placing funds on deposit with a bank or deposit-taking company. A member's rights on redemption of any units held for the account of the member in the constituent fund is limited to the bid price of such units at the relevant time, which could be more or less than the offer price at which such units were purchased. The constituent fund is not subject to the supervision of the Hong Kong Monetary Authority. 注意 : 1. 強積金保守基金的收費及費用可 ( 一 ) 透過扣除成分基金的資產收取 ; 或 ( 二 ) 透過扣除會員賬戶中的單位收取信安 - 強積金保守基金採用方式 ( 一 ) 收費, 故所列之單位價格 / 資產凈值 / 基金表現已反映收費及費用之影響 2. 投資於信安 - 強積金保守基金並不等於將資金存放於銀行或接受存款公司會員就會員賬戶所持有有關成分基金的任何單位的贖回權利, 只限於贖回當時此基金單位的出售價, 其既可高於或低於購買該等單位的發售價此成分基金均不受香港金融管理局監管 5

6 Principal MPF - Simple Plan 信安強積金 - 易富之選 The fund performance information is calculated based on the net asset value (NAV) to NAV in Hong Kong dollar, and is net of management fee (in the case of Principal - MPF Conservative Fund, net of scheme administration expenses) and other expenses. The unit prices are based on the NAV of each constituent fund and quoted for indication only. The Cumulative Return is the investment return in a given time period while the Annualized Return is the investment return in a given time period presented on a yearly basis. 1. The Annualized Dollar Cost Averaging Return is calculated by comparing the total contributed amount over the specified period with the final NAV. A constant amount is used to purchase fund units at the prevailing fund price (NAV per unit) on the last trading day of every month over the specified period. The total contributed amount is the sum of all such monthly contributions. The final NAV is arrived by multiplying the total units cumulated over the specified period with NAV price on the last trading day of such period. 2. The risk indicator shows the annualized standard deviation based on the monthly rates of return of the fund over the past 3 years, and correct to 2 decimal places. Generally, the greater the annualized standard deviation, the more volatile the fund. However, it is not required to indicate the risk indicator if the period between the reporting date of the fund fact sheet and the launch date for the fund is less than 3 years. 基金表現資料以港元的資產淨值 (NAV) 計算, 並扣除管理費 ( 信安 - 強積金保守基金需扣除計劃行政支出 ) 和其他費用單位價格是根據每項成分基金的資產淨值釐定, 其報價僅供參考之用累積回報是指按特定時段計算的投資回報, 年度回報則指按年計算的投資回報 1. 的計算是在指定期間內將最終資產淨值比較總投資金額得出方法是在每月最後一個交易日定期定額投資同一基金, 以當時價格購入適量單位 ( 每單位之資產淨值 ) 總投資金額則等於在指定期間內每月供款的總額 ; 而最終資產淨值則由在指定期間內所購得的基金單位總數乘以該期間最後一個交易日的資產淨值價格而得出 2. 是以年度標準差表示, 數據是根據過往三年之按月回報率計算, 並準確至小數後兩個位一般來說, 年度標準差數值越大, 基金的波幅也將相對較高若基金的概覽報告日與基金的成立日相隔不足三年, 便無須提供 Issued by Principal Trust Company. (Not for use in Mainland China) 由信安信託 ( 亞洲 ) 有限公司刊發 ( 不適合於中國大陸境內使用 ) Principal Trust Company 信安信託 ( 亞洲 ) 有限公司 30/F, Millennium City 6, 392 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong 香港九龍觀塘觀塘道 392 號創紀之城 6 期 30 樓 Tel 電話 :(852) / Fax 傳真 :(852) Website 網址 : 電郵 :axa-principal@exchange.principal.com If you do not wish to receive promotional or direct marketing materials from Principal, please inform Data Protection Officer, Principal Trust Company, 30/F, Millennium City 6, 392 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong. Principal shall, without charge to you, ensure that you are not included in future direct marketing activities. 如您不願意接收信安的宣傳或直接促銷材料, 敬請聯絡香港九龍觀塘觀塘道 392 號創紀之城 6 期 30 樓信安信託 ( 亞洲 ) 有限公司保障資料主任信安會在不收取任何費用的情況下確保不會將您納入日後的直接促銷活動中 6

All the information presented are those of the constituent funds offered by Principal MPF - Smart Plan. 所有呈列的資料乃信安強積金 - 明智之選成分基金的資料 Principal Age 65 P

All the information presented are those of the constituent funds offered by Principal MPF - Smart Plan. 所有呈列的資料乃信安強積金 - 明智之選成分基金的資料 Principal Age 65 P Principal MPF - Smart Plan Monthly Performance Summary 信安強積金 - 明智之選基金表現月結報告 Data as of 數據截至 31/10/2018 IMPORTANT INFORMATION 1. The Principal Guaranteed Fund of Principal MPF - Smart Plan (the Plan ) invests