Important Notes:

1. The Principal Capital Guaranteed Fund (if any) and the Principal Long Term Guaranteed Fund/Guaranteed Fund under Principal MPF Scheme Series 500, 600 & 800 (collectively the MPF Schemes) invests solely in an approved pooled investment fund in the form of an insurance policy issued by Principal Insurance Company (Hong Kong) Limited (Principal). The guarantee is also provided by Principal. Your investments in these funds, if any, are therefore subject to the credit risk of Principal. Please refer to the Principal Capital Guaranteed Fund (if any) and Principal Long Term Guaranteed Fund/Guaranteed Fund sections of the Principal Brochure / Explanatory Memorandum of the MPF Schemes for the details of the credit risk, guaranteed features and guaranteed conditions.

2. Principal, the Guarantor of the Principal Long Term Guaranteed Fund/Guaranteed Fund under the MPF Schemes, will only provide a guarantee of capital and a prescribed guarantee rate of return in certain specified circumstances. Please refer to the section "Provision of Guarantee" of the Principal Brochure / Explanatory Memorandum 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.  However, capital may not be guaranteed in absolute term if units in the members accounts have been deducted for management fee.  For details, please refer to the Principal Brochure of the Principal MPF Scheme Series 800 under the section "How the guarantee works" and "Fees and Charges" respectively.

4. Investment in the Principal HK 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 this fund will be subject to investment risks.

5. The Principal MPF Conservative Fund under Principal MPF Scheme Series 600 & 800 and the MPF Conservative Fund under Principal MPF Scheme Series 500 are not guaranteed funds and do not guarantee the repayment of capital. 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 the 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 the Principal HK Dollar Savings Fund under Principal MPF Scheme Series 600 & 800 and the Stable Growth Fund under Principal MPF Scheme Series 500, and such funds may not necessarily be a suitable investment for you.

8. Investment involves risks. The value of the funds may go up or down. 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, fee and charges of the constituent funds).