Ahli United Bank B.S.C. ("AUB") is licensed as a conventional retail bank by the Central Bank of Bahrain. All recipients of this document should note that it is being furnished to them solely for information purposes and may not be reproduced or redistributed to any other person without the permission of AUB. Although information has been obtained from and is based upon sources believed to be reliable, AUB does not guarantee its accuracy and it may be incomplete or condensed. All opinions and estimates constitute AUB's judgment at the date of publication and are subject to change without notice. AUB does not advise as to the suitability or otherwise of transactions and is dealing with recipients exclusively on the basis that they have obtained sufficient knowledge, experience and/or professional financial, legal, tax and other advice to make an independent assessment thereof. The value of the product mentioned herein may go down as well as up. Investment / products are not considered deposits and therefore not covered by the Kingdom of Bahrain's deposit protection scheme. The fact that investments has been approved / authorized / registered by the Central Bank of Bahrain ('CBB'), does not mean that the CBB takes responsibility for the performance of these investments, nor for the correctness of any statements or representations made by the operator of investment/products. Investment products are not insured by government or governmental agencies. Investment and Treasury products are subject to Investment risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors home currency. Investment and Treasury products are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions of the individual investment and Treasury products. If customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. We will receive remuneration for arranging your transaction. Spread amounts will vary depending on your choice of Base and Alternate Currencies, tenor and Strike Rate as well as market conditions. You must read the terms and conditions carefully including detailed information on the CIU prospectus available on the link: www.ahliunited.com/bh/wealth/private-wealth-management/mutual-funds/. If the client has a complaint about the Bank or any part of the service offered, in the first instance, make a complaint to your Relationship Manager and if he or she fails to resolve the matter then it should be referred to the Customer Complaints Officer (refer to a simple and easy-to-use guide on customer complaints procedures available at branches and bank's website) contactable at the Bank on +973 17 58 6113 or write to the Customer Complaints Officer at Ahli United Bank B.S.C., Building 2495, Road 2832, Al-Seef District 428, PO Box 2424, Manama, Kingdom of Bahrain / www.ahliunited.com/bh.