HK Mandatory Provident Fund

The MASS MPF Scheme is an alliance scheme incorporating 6 specialized companies performing different roles and functions; all parties are well known in their own professions.

Trustees - MassMutual Trustees Ltd.(A member of the MassMutual Financial Group and an MPF trustee approved by the Mandatory Provident Fund Schemes Authority)   Investment Manager - Legg Mason Asset Management Hong Kong Limited; and       Franklin Templeton Investments (Asia) Limited   Custodian - Citibank, N.A.   Administrator - MassMutual Trustees Ltd.   Auditor - KPMG

With these resources in place, MassMutual Trustees is committed to providing you with Sound Advice, Returns-oriented Management and Quality Service and, most important of all, to becoming your MPF specialist.

Sound Advice

‧ All our MPF consultants are professionally trained and have obtained MPF intermediary registration from the MPFA. Some of them are also MPF investment representatives registered with the SFC. ‧ Our interactive administration software-MPF Analysis Pro - helps us provide you with all the professional advice you will ever need.

Returns-oriented Management

‧ We offer 12 constituent funds with different levels of risk and return to meet individual needs. ‧ The Guaranteed Fund provides a guaranteed return* on net contribution (contribution monies less any offer spread imposed). ‧ We have appointed veteran global investment managers with proven track records who are committed to formulating returns-oriented investment strategies to, maximize investment returns for scheme members.

Quality Service

‧ Our 24-hour Phone Easy Service Line and MPF Web-based Service keep you fully updated round the clock. ‧ Our team of professionally trained officers at the MassMutual Customer Service Center provides comprehensive MPF-related services at all times and maintains close contact with our customers. ‧ We offer many other value-added services including:   - Free-of-charge administration software allowing employers to combine calculation of employee payroll and MPF contributions much more easily. - Free MPF seminars to increase employers' and employees' understanding of various aspects of MPF.

Fund Options

We offer 12 constituent funds with different investment objectives to meet scheme members' individual needs.

Capital Preservation fund

Aims at capital preservation to suit the needs of the conservative scheme members.

Guaranteed Fund

Provides a guaranteed return* on net contribution (contribution monies less any offer spread imposed) and suits the needs of scheme members who would like to achieve steady returns.

Global Stable Fund

Regards as a low-to-medium-risk investment that suits the needs of aggressive scheme members.

Global Growth Fund

Carries medium-to-high-risk investments to suit the needs of the young aggressive scheme members.

Global Equity Fund

Regarded as a high-risk investment that suits the needs of young aggressive scheme members.

Global Bond Fund

Regarded as a low-risk investment that suits the needs of scheme members who would like to achieve steady returns.

Asian Balanced Fund

Regarded as a medium-risk investment that suits the needs of aggressive scheme members.

Hong Kong Equities Fund

Regarded as a high-risk investment that suits the needs of aggressive scheme members.

Japan Equity Fund

Regarded as a high-risk investment that suits the needs of aggressive scheme members.

Asian Pacific Equity Fund

Regarded as a high-risk investment that suits the needs of aggressive scheme members.

European Equity Fund

Regarded as a high-risk investment that suits the needs of aggressive scheme members.

US Equity Fund

Regarded as a high-risk investment that suits the needs of aggressive scheme members.

* The guarantee will be provided by MassMutual Asia Ltd. If a scheme member withdraws the money from the fund as a result of any one of the following qualifying events: 1) attainment of normal retirement age; 2) attainment of early retirement age; 3) death; or 4) total incapacity, then the interest accrued will be pro-rated for any incomplete Interest Period. Scheme members should be aware that no partial withdrawal can be made by a scheme member upon the occurrence of a Qualifying Event. Only a full withdrawal can be made in such an event.

Notes:

1. Investors are reminded that investments made by each of the constituent funds and their underlying sub-funds and the APIF Policy are subject to normal market fluctuations. 2. For further details of MASS MPF Scheme, please refer to our Principal Brochure.