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Standard Chartered Bank Malaysia Berhad is incorporated in Malaysia and is a banking institution licensed under Financial Services Act 2013 (“SCB”). The SmartGoals Service provides proposals on the types of Investment Products available for investing (and allocations of such Investment Products) for your consideration based solely on information that you have provided to us such as your investment goals, your customer investment profile (“CIP”) and the timeframe within which you would hope to achieve those goals. The selection of Investment Products available through the SmartGoals Service are based on our investment methodology regarding asset allocation strategies and such investment methodology is subject to change without prior notice. This document is being distributed for general information only and does not constitute an offer, solicitation or invitation to transact business in any country where the marketing or sale of these products and services would not be permitted under local laws. Any investment or ideas discussed may not be suitable for all investors. You should read and understand the documents of the products before making any investment decision. You are advised to exercise your own independent judgment (with the advice of your professional advisers as necessary) with respect to the risks, suitability of the investment product, specific investment objectives, financial situation or particular needs and consequences of any matter contained herein. Past performance is not indicative of future results and no representation or warranty is made regarding future performance. We expressly disclaim any liability and responsibility for any loss arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of this document, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with this document, its contents or associated services, or due to any unavailability of the document or any part thereof or any contents.