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To: kelvinlim@saraya.com.my
Date: 12 Aug 2021 19:49:41 +0800
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Subject:  ***SPAM***  Boost your retirement savings with PRS!

<html xmlns:v=3D"urn:schemas-microsoft-com:vml"><head><style> v:*=
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/head> <body><table width=3D"100%" border=3D"0" cellpadding=3D"0"=
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=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<st=
yle type=3D"text/css">body,td,th {=0A=0A	color: #000000;=0A=0A}=0A=
</style>=0A<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" width=3D"950">=0A	<tbody>=0A		<tr>=0A			<td><a href=3D"https://=
www.publicmutual.com.my/" target=3D"_blank"><img alt=3D"" height=3D=
"109" src=3D"https://www.publicmutual.com.my/LinkClick.aspx?filet=
icket=3D_ho4O-s01Ns%3d&amp;portalid=3D0" width=3D"950" /></a></td=
>=0A		</tr>=0A	</tbody>=0A</table>=0A=0A<table border=3D"0" cellp=
adding=3D"0" cellspacing=3D"0" width=3D"950">=0A	<tbody>=0A		<tr =
align=3D"center">=0A			<td><img alt=3D"" src=3D"https://www.publi=
cmutual.com.my/LinkClick.aspx?fileticket=3DGqkgIu3T7Kc%3d&amp;por=
talid=3D0" width=3D"950" /></td>=0A		</tr>=0A	</tbody>=0A</table>=
=0A=0A<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" wid=
th=3D"950">=0A	<tbody>=0A		<tr>=0A			<td>&nbsp;</td>=0A		</tr>=0A=
		<tr>=0A			<td align=3D"justify" style=3D"padding: 0px 40px 20px=
 40px; font-size: 18px;">Dear Investor,<br />=0A			<br />=0A			If=
 you are looking for alternatives to boost your retirement saving=
s, you may consider Private Retirement Scheme (PRS).<br />=0A			<=
br />=0A			<strong style=3D"color: 8B703F">WHAT IS PRS?</strong><=
br />=0A			PRS is a voluntary long-term savings and investment sc=
heme designed specifically for individuals to accumulate retireme=
nt savings. You can decide your savings and investments based on =
your retirement needs, goals, and risk tolerance from the PRS fun=
ds we offer.<br />=0A			<br />=0A			<strong style=3D"color: 8B703=
F">BENEFITS OF PRS</strong><br />=0A			&bull; It supplements your=
 mandatory retirement scheme<br />=0A			&bull; Enjoy tax relief o=
f up to RM3,000 per annum<sup>1</sup><br />=0A			&bull; Protectio=
n of PRS savings from creditors<sup>2</sup><br />=0A			&bull; Fre=
e insurance/Takaful coverage<sup>^</sup>=0A			<p align=3D"justify=
" style=3D"0px 40px 20px 40px; font-size: 11px;"><sup>1</sup> Inc=
luding tax relief for deferred annuity. Tax relief is valid until=
 year 2025.<br />=0A			<sup>2</sup> Benefits/money in PRS are pro=
tected from creditors as stipulated in Section 139ZA of the Capit=
al Markets and Services Act 2007.<br />=0A			<sup>^</sup> Terms a=
nd conditions apply.</p>=0A=0A			<p align=3D"justify" style=3D"0p=
x 40px 20px 40px; font-size: 18px;">Click to check out our PRS Fu=
nds&rsquo; performance!</p>=0A			</td>=0A		</tr>=0A	</tbody>=0A</=
table>=0A=0A<table border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" width=3D"950">=0A	<tbody>=0A		<tr>=0A			<td><a href=3D"https:/=
/www.publicmutual.com.my/Menu/Boost-Your-Retirement-Savings"><img=
 src=3D"https://www.publicmutual.com.my/LinkClick.aspx?fileticket=
=3DiHUZ9aU7M-k%3d&amp;portalid=3D0" /></a></td>=0A		</tr>=0A		<tr=
>=0A			<td>&nbsp;</td>=0A		</tr>=0A		<tr>=0A			<td align=3D"justi=
fy" style=3D"padding: 0px 40px 20px 40px; font-size: 18px;"><stro=
ng>EXTRA BONUS!</strong><br />=0A			You can stand a chance to win=
 a Proton X50, cash prizes and gadgets by participating in the Aw=
ards Celebration Campaign 2021<sup>#</sup>. Not only that, you al=
so earn 20% bonus Mutual Gold Qualifying Points (MGQP). Campaign =
ends 30 September 2021.</td>=0A		</tr>=0A		<tr>=0A			<td><a href=3D=
"https://www.publicmutual.com.my/LinkClick.aspx?fileticket=3DA9T1=
2gZN4NY%3d&amp;portalid=3D0"><img src=3D"https://www.publicmutual=
.com.my/LinkClick.aspx?fileticket=3DOd8LGhOQnE0%3d&amp;portalid=3D=
0" /></a>=0A			<p align=3D"justify" style=3D"0px 40px 20px 40px; =
font-size: 11px;"><sup>#</sup>Please refer to the campaign flyer =
for full terms and conditions.</p>=0A=0A			<p align=3D"justify" s=
tyle=3D"0px 40px 20px 40px; font-size: 11px;">Investors and contr=
ibutors are advised to read and understand the contents of the re=
levant Master Prospectuses, Supplemental Prospectuses, Disclosure=
 Documents (DD) and Product Highlights Sheet (PHS) before investi=
ng and contributing.<br />=0A			<br />=0A			Investors and contrib=
utors should understand the risks of the fund(s), compare and con=
sider the fees, charges and costs involved in investing and contr=
ibuting in the fund(s). A copy of the Prospectus, Supplemental Pr=
ospectus, DD and PHS of the funds can be viewed at our website <a=
 href=3D"https://www.publicmutual.com.my/">www.publicmutual.com.m=
y</a>. Investors and contributors should make their own assessmen=
t of the merits and risks of the investment. If in doubt, investo=
rs and contributors should seek professional advice. Please refer=
 to <a href=3D"https://www.publicmutual.com.my/">www.publicmutual=
.com.my</a> for our investment disclaimer.</p>=0A			</td>=0A		</t=
r>=0A		<tr>=0A			<td>&nbsp;</td>=0A		</tr>=0A		<tr>=0A			<td>=0A	=
		<p style=3D"text-align: center; font-size: 18px; padding: 5px 0=
px 10px 0px;">Call your servicing PRS Consultant for more details=
!</p>=0A			</td>=0A		</tr>=0A		<tr>=0A			<td>&nbsp;</td>=0A		</tr=
>=0A	</tbody>=0A</table>=0A=0A<table border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" width=3D"950">=0A	<tbody>=0A		<tr>=0A			<td =
bgcolor=3D"AC272D">=0A			<p style=3D"text-align: center; font-siz=
e: 13px; padding: 15px 40px 15px 40px; color: #FFFFFF">Security n=
otice: Public Mutual will not send you an email or SMS asking you=
 to verify or provide your login ID and password/PIN/OTP. Please =
do not fall victim to scams and beware of fraudsters claiming to =
offer financial services.</p>=0A			</td>=0A		</tr>=0A		<tr>=0A			=
<td>&nbsp;</td>=0A		</tr>=0A	</tbody>=0A</table>=0A=0A<table cell=
spacing=3D"0" style=3D" border-spacing: 0px; width: 950px;">=0A	<=
tbody>=0A		<tr>=0A			<td style=3D" border-spacing: 0px; width: 65=
0px;"><img alt=3D"" height=3D"45" src=3D"https://www.publicmutual=
.com.my/LinkClick.aspx?fileticket=3D9DiazXITCeQ%3d&amp;portalid=3D=
0" style=3D"padding-top: 0px" width=3D"947" /><a href=3D"https://=
www.publicmutual.com.my/"><img height=3D"56" src=3D"https://www.p=
ublicmutual.com.my/LinkClick.aspx?fileticket=3D1Akf1YFh0lc%3d&amp=
;portalid=3D0" width=3D"315" /></a><a href=3D"https://www.publicm=
utual.com.my/Invest-Now"><img height=3D"56" src=3D"https://www.pu=
blicmutual.com.my/LinkClick.aspx?fileticket=3D52eLwxt-YJQ%3d&amp;=
portalid=3D0" width=3D"317" /></a><img height=3D"56" src=3D"https=
://www.publicmutual.com.my/LinkClick.aspx?fileticket=3Dny0yVkF1JT=
Y%3d&amp;portalid=3D0" width=3D"315" /></td>=0A		</tr>=0A	</tbody=
>=0A</table>=0A=0A<table>=0A	<tbody>=0A		<tr>=0A			<td style=3D" =
font-size: 10px; width: 650px;"><sup>*</sup>In terms of total ret=
ail fund size managed amongst private unit trust companies and PR=
S providers in Malaysia. Source: The Edge-Lipper, 26 July 2021.<b=
r />=0A			Copyright &copy; Public Mutual Berhad (197501001842 (23=
419-A)) ALL RIGHTS RESERVED.</td>=0A			<td style=3D"padding-left:=
 150px;"><a href=3D"https://linkedin.com/company/public-mutual-be=
rhad" target=3D"_blank"><img alt=3D"" height=3D"50" src=3D"https:=
//www.publicmutual.com.my/LinkClick.aspx?fileticket=3Dro4ArTbY1Is=
%3d&amp;portalid=3D0" width=3D"40" /></a></td>=0A			<td><a href=3D=
"https://www.instagram.com/invest_with_public_mutual/" target=3D"=
_blank"><img alt=3D"" height=3D"50" src=3D"https://www.publicmutu=
al.com.my/LinkClick.aspx?fileticket=3DVOo6-beQ3WM%3d&amp;portalid=
=3D0" width=3D"40" /></a></td>=0A			<td><a href=3D"https://www.ti=
ktok.com/@invest_with_publicmutual" target=3D"_blank"><img alt=3D=
"" height=3D"50" src=3D"https://www.publicmutual.com.my/LinkClick=
.aspx?fileticket=3DWAoX5KcLG8U%3d&amp;portalid=3D0" width=3D"40" =
/></a></td>=0A		</tr>=0A	</tbody>=0A</table>=0A</td></tr><tr><td>=
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