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Delivery-date: Thu, 15 Apr 2021 18:54:19 +0800
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From: invest@publicmutual.com.my
To: kelvinlim@saraya.com.my
Date: 15 Apr 2021 17:58:11 +0800
Subject: Diversify Your Retirement Nest Egg
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<html xmlns:v=3D"urn:schemas-microsoft-com:vml"><head><style> v:*=
 { behavior: url(#default#VML); display: inline-block; }</style><=
/head> <body><table width=3D"100%" border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0"><tr><td align=3D"center" width=3D"100%"  style=
=3D";min-height:px"> <table width=3D"100%" border=3D"0" cellspaci=
ng=3D"0" cellpadding=3D"0"><tr><td valign=3D"top"> <meta content=3D=
"text/html; charset=3DUTF-8" http-equiv=3D"Content-Type" />=0A<ta=
ble border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"950=
">=0A	<tbody>=0A		<tr>=0A			<td><a href=3D"https://www.publicmutu=
al.com.my/" target=3D"_blank"><img alt=3D"" height=3D"109" src=3D=
"https://www.publicmutual.com.my/LinkClick.aspx?fileticket=3D_ho4=
O-s01Ns%3d&amp;portalid=3D0" width=3D"950" /></a></td>=0A		</tr>=0A=
	</tbody>=0A</table>=0A=0A<table border=3D"0" cellpadding=3D"0" c=
ellspacing=3D"0" width=3D"950">=0A	<tbody>=0A		<tr align=3D"cente=
r">=0A			<td><img alt=3D"" src=3D"https://www.publicmutual.com.my=
/LinkClick.aspx?fileticket=3D2-ZHe1fSFn4%3d&amp;portalid=3D0" wid=
th=3D"950" /></td>=0A		</tr>=0A		<tr>=0A			<td>&nbsp;</td>=0A		</=
tr>=0A		<tr align=3D"justify">=0A			<td style=3D"padding: 20px 40=
px 20px 40px; font-size: 18px;">Dear Investor,<br />=0A			<br />=0A=
			Are you still relying on the mandatory retirement scheme to ma=
ximise your retirement savings? It&rsquo;s time to supplement you=
r retirement savings with Private Retirement Scheme (PRS) Funds.<=
/td>=0A		</tr>=0A	</tbody>=0A</table>=0A=0A<table>=0A	<tbody>=0A	=
	<tr>=0A			<td style=3D"font-size: 18px; color: #2a3e5c; padding:=
 20px 40px 20px 40px;"><strong>Why PRS?</strong></td>=0A			<td><i=
mg src=3D"https://www.publicmutual.com.my/LinkClick.aspx?filetick=
et=3DtIX5wofGT60%3d&amp;portalid=3D0" width=3D"" /></td>=0A			<td=
><img src=3D"https://www.publicmutual.com.my/LinkClick.aspx?filet=
icket=3D_X1YFUdd8TM%3d&amp;portalid=3D0" width=3D"" /></td>=0A			=
<td><img src=3D"https://www.publicmutual.com.my/LinkClick.aspx?fi=
leticket=3DymYojyxtens%3d&amp;portalid=3D0" width=3D"" /></td>=0A=
		</tr>=0A		<tr>=0A			<td style=3D"font-size: 18px; color: #2a3e5=
c; padding: 20px 40px 20px 40px;">&nbsp;</td>=0A			<td style=3D"f=
ont-size: 18px; color: #58595b; text-align: center;"><strong>It s=
upplements<br />=0A			your mandatory<br />=0A			retirement scheme=
</strong></td>=0A			<td style=3D"font-size: 18px; color: #58595b;=
 text-align: center;"><strong>Enjoy tax relief<br />=0A			of up t=
o RM3,000<br />=0A			per annum<sup>1</sup></strong></td>=0A			<td=
 style=3D"font-size: 18px; color: #58595b; text-align: center;"><=
strong>Money in PRS is<br />=0A			protected from<br />=0A			credi=
tors<sup>2</sup></strong></td>=0A		</tr>=0A	</tbody>=0A</table>=0A=
=0A<p style=3D"padding: 20px 40px 20px 40px; font-size: 18px; col=
or: #2a3e5c;"><strong>Check out Public Mutual&rsquo;s PRS funds!<=
/strong></p>=0A=0A<p style=3D"padding: 20px 0px 20px 0px; font-si=
ze: 18px; color: #58595b; text-align: center; width: 950px;"><str=
ong><u>Public Mutual PRS Funds' Performance</u><sup>^</sup></stro=
ng></p>=0A=0A<div><img src=3D"https://www.publicmutual.com.my/Lin=
kClick.aspx?fileticket=3D6EAB3wXbwQI%3d&amp;portalid=3D0" width=3D=
"950px" />=0A<p style=3D"font-size: 10px; padding: 20px 40px 20px=
 40px;"><sup>^</sup> As at 26 February 2021 (Source: Lipper)<br /=
>=0A<sup>1</sup> Including tax relief for deferred annuity. Tax r=
elief is valid until year 2025.<br />=0A<sup>2</sup> Benefits/mon=
ey in PRS are protected from creditors as stipulated in Section 1=
39ZA of the Capital Markets and Services Act 2007.</p>=0A=0A<p st=
yle=3D"font-size: 10px; text-align: justify; padding: 10px 40px 2=
0px 40px; width: 900px;">Contributors are advised to read and und=
erstand the contents of the Disclosure Document of Public Mutual =
Private Retirement Scheme - Conventional Series and Disclosure Do=
cument of Public Mutual Private Retirement Scheme - Shariah-based=
 Series dated 24 February 2021 and the relevant fund's Product Hi=
ghlights Sheet (PHS) before contributing.<br />=0A<br />=0AContri=
butors should understand the risks of the fund(s), compare and co=
nsider the fees, charges and costs involved in contributing in th=
e PRS fund(s). A copy of the Disclosure Document and PHS can be v=
iewed at our website www.publicmutual.com.my. Contributors should=
 make their own assessment of the merits and risks of the contrib=
ution. If in doubt, investors should seek for professional advice=
.<br />=0A<br />=0AFund performance should be evaluated against t=
he benchmark index which is reflective of the fund&rsquo;s asset =
allocation and investments over the medium to long term. Past per=
formance of the funds is not a reliable indicator of future perfo=
rmance.<br />=0A<br />=0APlease refer to www.publicmutual.com.my =
for our investment disclaimer.</p>=0A<img alt=3D"" height=3D"45" =
src=3D"https://www.publicmutual.com.my/LinkClick.aspx?fileticket=3D=
9DiazXITCeQ%3d&amp;portalid=3D0" style=3D"padding-top: 0px" width=
=3D"947" /><br />=0A<a href=3D"https://www.publicmutualonline.com=
.my/" target=3D"_blank"><img height=3D"57" src=3D"https://www.pub=
licmutual.com.my/LinkClick.aspx?fileticket=3DN9utBUoI3bw%3d&amp;p=
ortalid=3D0" width=3D"365" /></a><a href=3D"https://www.publicmut=
ual.com.my/Invest-Now" target=3D"_blank"><img height=3D"57" src=3D=
"https://www.publicmutual.com.my/LinkClick.aspx?fileticket=3D66fY=
Kvj8GqY%3d&amp;portalid=3D0" width=3D"221" /></a><img height=3D"5=
7" src=3D"https://www.publicmutual.com.my/LinkClick.aspx?filetick=
et=3DdRKcxdx5KDs%3d&amp;portalid=3D0" width=3D"361" />=0A<table>=0A=
	<tbody>=0A		<tr>=0A			<td style=3D" font-size: 10px; width: 650p=
x;"><sup>*</sup>In terms of total retail fund size managed amongs=
t private unit trust companies and PRS providers in Malaysia. Sou=
rce: The Edge-Lipper, 5 April 2021.<br />=0A			Copyright &copy; P=
ublic Mutual Berhad (197501001842 (23419-A)) ALL RIGHTS RESERVED.=
</td>=0A			<td style=3D"padding-left: 150px;"><a href=3D"https://=
linkedin.com/company/public-mutual-berhad" target=3D"_blank"><img=
 alt=3D"" height=3D"50" src=3D"https://www.publicmutual.com.my/Li=
nkClick.aspx?fileticket=3Dro4ArTbY1Is%3d&amp;portalid=3D0" width=3D=
"40" /></a></td>=0A			<td><a href=3D"https://www.instagram.com/in=
vest_with_public_mutual/" target=3D"_blank"><img alt=3D"" height=3D=
"50" src=3D"https://www.publicmutual.com.my/LinkClick.aspx?fileti=
cket=3DVOo6-beQ3WM%3d&amp;portalid=3D0" width=3D"40" /></a></td>=0A=
			<td><a href=3D"https://www.tiktok.com/@invest_with_publicmutua=
l" target=3D"_blank"><img alt=3D"" height=3D"50" src=3D"https://w=
ww.publicmutual.com.my/LinkClick.aspx?fileticket=3DWAoX5KcLG8U%3d=
&amp;portalid=3D0" width=3D"40" /></a></td>=0A		</tr>=0A	</tbody>=
=0A</table>=0A</div>=0A</td></tr><tr><td><br><br><hr><font size=3D=
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