Important Notes:

1.     All constituent funds (except for Principal Hong Kong Equity Fund and Principal China Equity Fund) under Principal MPF Scheme Series 800, Principal MPF Scheme Series 600 and Principal MPF Scheme Series 500 (collectively the "MPF Schemes") invest solely or partly in insurance policies issued by Principal Insurance Company (Hong Kong) Limited ("Principal").  Your investments in these funds are therefore subject to the credit risk of Principal.

2.     Principal, the Guarantor of the Principal Long Term Guaranteed Fund under Principal MPF Scheme Series 600 & 800 and Guaranteed Fund under Principal MPF Scheme Series 500, will only provide a guarantee of capital and a prescribed guarantee rate of return in certain specified circumstances. For Principal MPF Scheme Series 600 & 800, please refer to page 7 and page 9 of the Principal Brochures respectively under the section "Provision of Guarantee" for details of the guarantee conditions. For Principal MPF Scheme Series 500, please refer to page 31 of the Explanatory Memorandum under the section "Provision of Guarantee" for details of the guarantee conditions.

3.     Principal, the Guarantor of the Principal Capital Guaranteed Fund under Principal MPF Scheme Series 800, will provide a guarantee to ensure the unit value of the fund will never decrease. Under the Indirect Charge Option, part of the management fee is asset-based which is deducted from the net asset value of the fund, while the remaining part is payable by deducting units from member's account.  As such, capital may not be guaranteed in absolute term for scheme members under the Indirect Charge Option.  For details, please refer to pages 7 and 21 of the Principal Brochure of Principal MPF Scheme Series 800 under the section "How the guarantee works" and "Fees and Charges" respectively.

4.     Investment in Principal HK Dollar Savings Fund or Principal US Dollar Savings Fund is different from placing deposits with a bank or deposit-taking company and is not protected by the Deposit Protection Scheme.  Investments in these funds will be subject to investment risks.

5.     Fees and charges of a MPF conservative Fund can be deducted from either (i) the assets of the fund or (ii) members' account by way of unit deduction.  The Principal MPF Conservative Fund under Principal MPF Scheme Series 600 & 800 and MPF Conservative Fund under Principal MPF Scheme Series 500 use method (i) and, therefore, unit prices/net asset value/fund performance quoted have incorporated the impact of fees and charges.

6.   You should consider your own risk tolerance level and financial circumstances before making any investment choices.  When, in your selection of funds, you are in doubt as to whether a certain fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and choose the fund(s) most suitable for you, taking into account your own circumstances.

7.     In the event that you do not make any investment choices, please be reminded that any contributions made and/or benefits transferred into the MPF Schemes will be invested into Principal HK Dollar Savings Fund under Principal MPF Scheme Series 600 & 800 and Stable Growth Fund under Principal MPF Scheme Series 500, and such fund may not necessarily be a suitable investment for you.

8.     You should not invest in reliance on this marketing material alone. You should read the Principal Brochure/Explanatory Memorandum of the MPF Schemes for further details (including investment policy, risk factors, fees and charges and constituent funds information).