You should also be aware that the value of investments and any income from them can go down as well as up, and you may not receive back the amount you originally invested. There can be no assurances that appreciation in value of investments will occur.

Where overseas investments are held, the rate of currency exchange may cause the value of such investments to go down as well as up.

Past performance of the index or individual funds is not a guide to future performance.

Certain funds invest in emerging markets which by their nature are higher risk and potentially more volatile than those inherent in some established markets.

Investors and potential investors should read the relevant Key Investor Information Document (KIID), full Prospectus and Supplement for a full list of risk warnings prior to making a decision to invest.

Shares purchased on the secondary market cannot usually be sold directly back to the Company. Investors must buy and sell shares on the secondary market with the assistance of an intermediary (e.g. a stockbroker) and may incur fees for doing so. In addition, investors may pay more than the current Net Asset Value per share when buying shares and may receive less than the current Net Asset Value per Share when selling them.

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