The questionnaire returns a score on the basis of which clients fall in either of the category mentioned below. This assessment is made solely on the basis of the financial situation of the client and the answers selected by him / her.

Risk assessment and product Recommendations

If client scores less than 15 he is a low risk appetite client, if client scores between 15-35, he is a medium risk appetite client and if scores above 35 he is high risk appetite client.

Low risk appetite client will not be offered any services.

Risk Based Classification of the Services

• Identifying your Investment Profile Please answer questions 1 – 16

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1. When would you need your capital back if you were to invest your money today ? *

Less than one year from now One to five years from now Over five years to ten years from now More than ten years from now

2. What is the current amount of savings (Bank Deposits and Cash Equivalents) that you have now, when compared to your monthly income?*

None One to three months of your income More than three months and up to six months of your income More than six months of your income

3. What percentage of your income is spent on monthly loan repayments? *

NA Less than 15% 15% to 30% Over 30% to 50% More than 50%

4. How do you expect your future income to grow over the next five years? *

Increase strongly Increase constantly No increase Decrease slightly Decrease substantially

5. Do you have any experience with regard to investing? *

I have never invested and have no knowledge in investment I have basic investment knowledge but have never invested before I have basic investment knowledge and have invested before I am both knowledgeable and experienced in investment

6. Would you speculate in the share market based solely on tips received from close friends?*

Yes, I would I would have to think about it No, I wouldn't

7. If your investment in the share market, which had been showing consistent returns, suddenly drops by 30% in value, would you ?*

Panic and sell all your shares Hold on and only sell when you can break even Maintain your investment for the long-term Buy more shares as the price is lower now

8. What would you do if your investment in the share market went up by 20% within 6 months from now?*

Sell all my shares and lock in the profit Sell part of my shares to realise some profits Maintain my investment or buy more shares

9. Would you borrow money to purchase an investment that can give you potential returns?*

Yes, I would borrow 100% of the original investment value I would borrow 50% of the original investment value and utilise my own money for the other 50% No, I would not borrow money for this investment

10. How much percentage of your monthly income are you willing to invest/ currently investing into financial market ? *

>15% 15%- 25% >25%

11. What is the value of your current liability? *

10000 RM to 100000 RM 100001 RM to 500000 RM >500000 RM

12. . How much assets do you own currently?*

10000 RM to 100000 RM 100001 RM to 500000 RM >500000 RM

13. Given the choice below, which one would you choose to invest in?*

Solid defensive companies that have long-term value and a reasonable dividend yield Strong growth companies where the share prices could go through high levels of volatility An investment portfolio that combines both value and growth companies I would not invest in shares as it is too risky for me

14. If you were given an option of a new position that had a high pay rise but with less job security or another position that had a small pay rise but with greater job security, which would you choose?*

Probably the position with a higher pay rise Not sure Probably the position with a greater job security

15. Studies suggest that an individual's employment status and tolerance to risk are related. Are you? *

Self-employed A private sector employee A public sector employee Unemployed Pensioner/Retired/Student

16. If you are given RM10,000 for investment purposes and you must realise your investment in 1 year's time, which of the following options would you choose? *

50:50 chance of it growing to RM30,000 or being worthless (RM0) 75% chance of it growing to RM20,000 and 25% chance of it being worthless (RM0) 75% chance of it growing to RM14,000 and 25% chance of it remaining the same value (RM10,000) 85% chance of it growing to RM12,000 and 15% chance of it remaining at the same value A guaranteed return of RM320 in one year's time on top of the capital

Applicant Declaration

I hereby declare that the details furnished above is submitted by me and is true and correct to the best of my knowledge and belief. I undertake to inform you of any changes therein, immediately. In case any of the above information is found to be false or untrue or misleading or misrepresenting, I am aware that I may be held liable for it. I hereby declare that I am not making this application for the purpose of contravention of any Act, Rules, Regulations or any statute of legislation or any notifications/directions issued by any governmental or statutory authority from time to time.

YOUR SCORE IS :-

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