Master Prospectus at 26oct2017

Responsibility Statement
This Prospectus has been reviewed and approved by the directors of Public Mutual Berhad and they collectively
and individually accept full responsibility for the accuracy of the information. Having made all reasonable enquiries,
they confirm to the best of their knowledge and belief, that there are no false or misleading statements, or
omission of other facts which would make any statement in the Prospectus false or misleading.
Statements of Disclaimer
The Securities Commission Malaysia has authorised the funds and a copy of this Prospectus has been registered
with the Securities Commission Malaysia.
The authorisation of the funds, and registration of this Prospectus, should not be taken to indicate that Securities
Commission Malaysia recommends the said funds or assumes responsibility for the correctness of any statement
made, opinion expressed or report contained in this Prospectus.
The Securities Commission Malaysia is not liable for any non-disclosure on the part of the management company
responsible for the said funds and takes no responsibility for the contents in this Prospectus. The Securities
Commission Malaysia makes no representation on the accuracy or completeness of this Prospectus, and expressly
disclaims any liability whatsoever arising from, or in reliance upon, the whole or any part of its contents.
INVESTORS SHOULD RELY ON THEIR OWN EVALUATION TO ASSESS THE MERITS AND RISKS OF THE
INVESTMENT. IF INVESTORS ARE UNABLE TO MAKE THEIR OWN EVALUATION, THEY ARE ADVISED TO
CONSULT PROFESSIONAL ADVISERS.
Additional Statements
Investors should note that they may seek recourse under the Capital Markets and Services Act 2007 for breaches of
securities laws including any statement in the Prospectus that is false, misleading, or from which there is a material
omission; or for any misleading or deceptive act in relation to the Prospectus or the conduct of any other person
in relation to the funds.
CONTENTS
GLOSSARY OF TERMS/ABBREVIATIONS 3-5

CORPORATE DIRECTORY 6
1. INFORMATION ON THE FUNDS 7-15
1.1 Fund Profiles 7
1.2 Risk Factors 11
1.3 Permitted Investments 12
1.4 Investment Restrictions 13
1.5 Valuation of Permitted Investments 15
2. FEES, CHARGES AND EXPENSES 16-17

2.1 Charges Imposed on Purchase and Redemption of Units 16
2.2 Fees and Expenses of the Funds 16
2.3 Policy on Stockbroking Rebates and Soft Commissions 17
3. TRANSACTION INFORMATION 18-24

3.1 Determination of Prices 18
3.2 Computation of Prices 19
3.3 Where to Purchase or Redeem Units of the Funds 20
3.4 How to Purchase Units of the Funds 20
3.5 How to Redeem Units of the Funds 22
3.6 How to Switch Units Between Funds 22
3.7 How to Transfer Units of the Funds 22
3.8 Minimum Account Balance 23
3.9 Cooling-Off Right 23
3.10 Distribution 23
3.11 Unclaimed Monies 23
3.12 Keeping Track of Your Investments 24
3.13 Avenue for Advice 24
4. THE MANAGER 25-28

4.1 Corporate Profile of Public Mutual 25
4.2 Roles, Duties and Responsibilities of The Manager 25
4.3 The Investment Committee 25
4.4 Profile of Key Investment Personnel 25
4.5 Related Party Transactions/Conflict of Interest 28
4.6 Documents Available for Inspection 28
4.7 Policies and Procedures on Money Laundering Activities 28
5. THE TRUSTEE 29
5.1 Corporate Profile of AmanahRaya Trustees Berhad 29
5.2 Roles, Duties and Responsibilities of The Trustee 29
6. 6. SALIENT TERMS OF THE DEED 30-32

6.1 Unitholders’ Rights and Liabilities 30
6.2 Maximum Fees and Charges Permitted by The Deed 30
6.3 Permitted Expenses Payable Out of the Funds 31
6.4 Retirement, Removal and Replacement of The Manager 31
6.5 Retirement, Removal and Replacement of The Trustee 32
6.6 Termination of the Funds 32
6.7 Unitholders’ Meeting 32
1
CONTENTS (CONT’D)
TAXATION OF THE FUNDS AND UNITHOLDERS 33-35

DIRECTORY OF PUBLIC MUTUAL BRANCH OFFICES 36-38
AND CUSTOMER SERVICE CENTRES
DIRECTORY OF PUBLIC MUTUAL AGENCY OFFICES 39
2
GLOSSARY OF TERMS/ABBREVIATIONS
ART AmanahRaya Trustees Berhad (766894-T)
blue chip stocks High quality stocks of companies which have a track record of stable earnings
and dividends of at least 10 years.
Bursa Securities Bursa Malaysia Securities Berhad
Business Day(s) Each weekday in which Bursa Securities is open for dealing.
Note: The Manager may declare certain Business Days to be non-Business Days,
although Bursa Securities is open for business, if one or more of the foreign
markets in which the fund(s) is invested therein are closed for business. This is to
ensure that you will be given a fair valuation of the fund(s) at all times, be it when
purchasing or redeeming units of the fund(s).
CMSA 2007 Capital Markets and Services Act 2007 as originally enacted and amended from
time to time.
CMSRL Capital Markets Services Representative’s Licence
cooling-off right The right of a unitholder who is investing with Public Mutual for the first time, to
change his mind and cancel an investment within 6 Business Days from the date
of receipt by Public Mutual, of the investment application form and payment
and will obtain a full refund of the said investment within 10 days of receipt of
cooling-off notice by Public Mutual.
The cooling-off right, however, does not extend to a corporation or institution,

the staff of Public Mutual and persons registered to deal in unit trust funds.
deposits Sum of money placed with licensed financial institutions in accordance with
Financial Services Act 2013 and Islamic Financial Services Act 2013.
Eligible Market A market that –

(a) is regulated by a regulatory authority;
(b) operates regularly;
(c) is open to the public; and
(d) has adequate liquidity for the purposes of the fund in question.
Extraordinary Resolution A resolution passed at a meeting of unitholders duly convened and held in
accordance with the provisions of the Deed and carried by a majority consisting
of not less than three quarters of the unitholders voting thereat upon a show of
hands or if a poll is duly demanded and taken by a majority consisting of not less
than three quarters in number of the votes given on such poll. For the purposes
of termination or winding-up of a fund, an extraordinary resolution is passed by
a majority in number representing at least three-fourth of the value of the units
held by unitholders at the meeting duly convened and held in accordance with
the provisions of the Deed.
FIMM Federation of Investment Managers Malaysia
forward pricing The purchase or redemption of units is based on the NAV per unit of the fund
next determined or calculated after the application to purchase or redemption
request from unitholder(s) is received by the Manager in proper form.
3
GLOSSARY OF TERMS/ABBREVIATIONS (CONT’D)
GDP Refers to Gross Domestic Product which is the monetary value of all finished
goods and services produced within a country in a specific period of time.
growth stocks Stocks of companies with potential price appreciation where the earnings growth
potential of the companies is projected to exceed the GDP growth of the country
in which the stock is listed in.
GST Goods and Services Tax
incidental The term “incidental” in relation to distribution policy of the fund implies that
the main focus of the fund will be on securing capital growth.
index stocks Index component stocks of a selected benchmark market index.
IOSCO International Organization of Securities Commissions
Foreign markets which are ordinary/associate members of the IOSCO include:
• Asia Pacific • United States of America

- Australia • Europe
- China - France
- Hong Kong - Germany
- India - Italy
- Indonesia - Luxembourg
- Japan - Netherlands
- New Zealand - Spain
- Philippines - Switzerland
- Singapore - United Kingdom
- South Korea
- Taiwan
- Thailand
- Vietnam
Please refer to the updated list in our website at www.publicmutual.com.my.
IPO Initial Public Offering
medium to long term Medium to long term refers to a period of 3 years or more.
NAV Net Asset Value (“NAV”) of the fund is determined by deducting the value of all
the fund’s liabilities (include all amounts payable by the fund, accrued expenses
and taxes, and any appropriate provisions for contingencies) from the value of
the fund’s assets, at the valuation point.
For the purpose of computing the annual management fee and the annual
trustee fee, the NAV of the fund should be inclusive of the management fee and
trustee fee for the relevant day.
NAV per unit The NAV per unit is the NAV of a fund divided by the number of units in circulation
at the valuation point. It forms the basis upon which the prices of units of a fund
are calculated.
OTC Over-the-counter
PASGF Public ASEAN Growth Fund
PGCF Public Greater China Fund
4
GLOSSARY OF TERMS/ABBREVIATIONS (CONT’D)
PMO Public Mutual Online (“PMO”) is an online facility which allows you to perform
fund transactions (such as purchase, redemption and switching of units) and
gives you quick and easy access to information on your investments.
Investors can apply for PMO by submitting the PMO Service Application Form
personally at any Public Mutual or Public Bank branch. Alternatively, you may also
register for PMO through our Customer Service Centre kiosks located at selected
shopping malls or Public Bank’s Automated Teller Machines (ATMs) if you are a
Public Bank ATM user or via www.pbebank.com.my if you are a subscriber of
PBe.
Prospectus Prospectus of PASGF and PGCF
Public Bank Public Bank Berhad (6463-H)
Public Mutual or
the Manager Public Mutual Berhad (23419-A)
RM Ringgit Malaysia
SC Securities Commission Malaysia
SC Guidelines Guidelines on Unit Trust Funds issued by SC and as may be amended or replaced
from time to time.
the Deed The Deed means the master deed dated 28 January 1999 and all supplemental
deeds entered into between the trustee and the Manager for the registered
holders of Public ASEAN Growth Fund and Public Greater China Fund.
“the fund”/ the funds” Public ASEAN Growth Fund and Public Greater China Fund are collectively called
“the funds” and individually called “the fund”.
UIC Units in circulation (“UIC”) refers to the total number of units in issue at a point
in time.
UTC Unit trust consultant
valuation point Valuation point refers to such a time(s) on a Business Day as may be decided
by the Manager wherein the NAV of the fund is calculated. Under normal
circumstances, only one valuation is conducted on each Business Day.
The valuation of the funds will be conducted after the close of business of Bursa
Securities for the relevant day. As certain foreign markets in which the funds may
invest in have yet to close due to the different time zones of these countries, the
valuation point may be extended to 9:00 a.m. (or any other such time as may be
permitted by the relevant authorities from time to time) on the following day in
which the Manager is open for business.
warrants Securities that entitles the holder to exercise his rights to buy the underlying
stock(s) of the issuing company at a fixed price called exercise price until the
expiry date. For the purpose of these funds, the underlying stock(s) must be in
new shares.
5
CORPORATE DIRECTORY
MANAGER
Public Mutual Berhad (23419-A)
Registered and business address:
Block B, Sri Damansara Business Park
Persiaran Industri, Bandar Sri Damansara
52200 Kuala Lumpur
Tel: 03-6279 6800 Fax: 03-6277 9800
Hotline: 03-6207 5000
e-mail: customer@publicmutual.com.my
Web: http://www.publicmutual.com.my
TRUSTEE
AmanahRaya Trustees Berhad (766894-T)
Registered address:
Tingkat 11, Wisma AmanahRaya
No. 2, Jalan Ampang
50508 Kuala Lumpur
Business address:
Tingkat 2, Wisma AmanahRaya II
No. 21, Jalan Melaka
50100 Kuala Lumpur
Tel: 03-2036 5129 Fax: 03-2072 0322
Web: http://www.artrustees.com.my
6
1 INFORMATION ON THE FUNDS
1.1 FUND PROFILES
PUBLIC ASEAN GROWTH FUND (PASGF)
Category of Fund Equity
Financial Year End 30 November
Distribution Policy Incidental
Launch Date 26 October 2017
Initial Offer Period 21 days commencing from 26 October 2017 to 15 November 2017.
Initial Issue Price RM0.2500
Sales Charge per Unit Up to 5.5% of the initial issue price of the fund.
during Initial Offer Period
Fund Objective To achieve capital growth over the medium to long-term period by investing in a
portfolio of investments in ASEAN markets.
Note: Any material changes to the investment objective of the fund would
require unitholders’ approval.
Investment Policy and Strategy
Typical Asset Classes • Equity and equity-related securities, which include:

 Blue chip stocks, index stocks and growth stocks.
 Stocks of IPO companies seeking a listing in Eligible Markets.
 Unlisted equities.
 Warrants
• Collective investment schemes.
• Fixed income securities.
• Liquid assets which include money market instruments and deposits.
Asset Allocation Equities 75% to 98% of the fund’s NAV

The balance of the fund’s NAV may be invested in fixed income securities and
liquid assets.
If the outlook for equity market is unfavourable, the equity exposure may be
reduced to below the range indicated above as a temporary defensive strategy.
Foreign assets Up to 98% of the fund’s NAV
Location of Assets • Indonesia • Singapore

• Philippines • Thailand
• Malaysia • Vietnam
• Any other permitted markets where the regulatory authority is an ordinary or

associate member of the IOSCO.
7
INFORMATION ON THE FUNDS (CONT’D)
Investment Approach Equities Bottom-up approach in stock selection process

which relies on fundamental research where the
financial health, industry prospects, management
quality and past track records of companies are
assessed.
Fixed income The asset allocation between fixed income securities

securities and and money market instruments will depend on
money market economic growth, interest rate trends and market
instruments liquidity conditions.
Although the fund is actively managed, the frequency of its trading strategy will
very much depend on market opportunities.
Selected Performance Benchmark for PASGF
The benchmark of the fund is the FTSE/ASEAN 40 Index.
Information on the benchmark is sourced from FTSE International Limited.
The performance of the fund and its benchmark is available on Public Mutual’s website at www.publicmutual.com.my.
The PASGF is not in any way sponsored, endorsed, sold or promoted by FTSE International Limited (“FTSE”) or by the London Stock
Exchange Group companies (“LSEG”) and neither FTSE nor LSEG makes any warranty or representation whatsoever, expressly
or impliedly, either as to the results to be obtained from the use of the FTSE/ASEAN 40 INDEX (“the Index”) and/or the figure
at which the said Index stands at any particular time on any particular day or otherwise. The Index is compiled and calculated
by FTSE in conjunction with Indonesia Stock Exchange, Bursa Malaysia Berhad, The Philippine Stock Exchange, Inc., Singapore
Exchange Securities Trading Limited and the Stock Exchange of Thailand (the “Exchanges”). However, neither FTSE nor LSEG nor
the Exchanges shall be liable (whether in negligence or otherwise) to any person for any error in the Index and neither FTSE nor
the LSEG nor the Exchanges shall be under any obligation to advise any person of any error therein.
“FTSE®”, “FT-SE®” and “Footsie®” are trade marks of the LSEG and are used by FTSE International Limited under licence.
8
PUBLIC GREATER CHINA FUND (PGCF)
Category of Fund Equity
Financial Year End 30 November
Distribution Policy Incidental
Launch Date 26 October 2017
Initial Offer Period 21 days commencing from 26 October 2017 to 15 November 2017.
Initial Issue Price RM0.2500
Sales Charge per Unit Up to 5.5% of the initial issue price of the fund.
during Initial Offer Period
Fund Objective To achieve capital growth over the medium to long-term period by investing in
a portfolio of investments primarily in the greater China region namely in Hong
Kong, China and Taiwan markets and including China based companies listed on
overseas markets.
Notes:
Overseas markets include Malaysia and any other permitted markets apart from
Hong Kong, China and Taiwan markets where the regulatory authority is an
ordinary or associate member of the IOSCO .
Any material changes to the investment objective of the fund would require
unitholders' approval.
Investment Policy and Strategy
Typical Asset Classes • Equity and equity-related securities, which include:

 Blue chip stocks, index stocks and growth stocks.
 Stocks of IPO companies seeking a listing in Eligible Markets.
 Unlisted equities.
 Warrants.
• Collective investment schemes.
• Fixed income securities.
• Liquid assets which include money market instruments and deposits.
Asset Allocation Equities 75% to 98% of the fund’s NAV

The balance of the fund’s NAV may be invested in fixed income securities and
liquid assets.
If the outlook for equity market is unfavourable, the equity exposure may be
reduced to below the range indicated above as a temporary defensive strategy.
Foreign assets Up to 98% of the fund’s NAV
9
Location of Assets • Hong Kong

• China
• Taiwan
• Malaysia and any other permitted markets where the regulatory authority is
an ordinary or associate member of the IOSCO (up to 25% of NAV).
Investment Approach Equities Bottom-up approach in stock selection process

which relies on fundamental research where the
financial health, industry prospects, management
quality and past track records of companies are
assessed.
Fixed income The asset allocation fixed income securities

securities and and money market instruments will depend on
money market economic growth, interest rate trends and market
instruments liquidity conditions.
Although the fund is actively managed, the frequency of its trading strategy will
very much depend on market opportunities.
Selected Performance Benchmark for PGCF
The benchmark of the fund is the MCSI Golden Dragon Index.
Information on the benchmark can be obtained from Bloomberg L.P.
The performance of the fund and its benchmark is available on Public Mutual’s website at www.publicmutual.com.my.
Source: MSCI. Neither MSCI nor any other party involved in or related to compiling, computing or creating the
MSCI data makes any express or implied warranties or representations with respect to such data (or the results
to be obtained by the use thereof), and all such parties hereby expressly disclaim all warranties of originality,
accuracy, completeness, merchantability or fitness for a particular purpose with respect to any of such data.
Without limiting any of the foregoing, in no event shall MSCI, any of its affiliates or any third party involved in or
related to compiling, computing or creating the data have any liability for any direct, indirect, special, punitive,
consequential or any other damages (including lost profits) even if notified of the possibility of such damages. No
further distribution or dissemination of the MSCI data is permitted without MSCI’s express written consent.
10
1.2 RISK FACTORS
General Risks
1. Market risk: Market risk refers to the possibility that an investment will lose value because of a general
decline in financial markets, due to economic, political and/or other factors, which will result in a decline in
the fund’s NAV.
2. Liquidity risk: Liquidity risk refers to the ease of liquidating an asset depending on the asset’s volume
traded in the market. If the fund holds assets that are illiquid, or are difficult to dispose of, the value of the
fund will be negatively affected when it has to sell such assets at unfavourable prices.
3. Manager risk: This risk refers to the day-to-day management of the fund by the fund manager which will
impact the performance of the fund. For example, investment decisions undertaken by the fund manager
pertaining to asset allocation and stock selection which may not be in line with market movements, or non-
conformance with regulations and internal policies and procedures, may adversely affect the performance
of the fund.
4. Loan financing risk: This risk occurs when investors take a loan/financing to finance their investment.
The inherent risk of investing with borrowed money includes investors being unable to service the loan
repayments. In the event units are used as collateral, an investor may be required to top-up the investors’
existing installment if the prices of units fall below a certain level due to market conditions. Failing which,
the units may be sold at a lower net asset value per unit as compared to the NAV per unit at the point of
purchase towards settling the loan.
The Manager does not encourage the practice of loan financing in the purchase of unit trust funds.
Specific Risks of the Funds
1. Specific security risk: Prices of a particular security may fluctuate in response to the circumstances affecting
individual companies. As such, adverse price movements of a particular security invested by the fund may adversely
affect the fund’s NAV and unit price.
2. Interest rate risk: Interest rate risk refers to the impact of interest rate changes on the valuation of fixed income
securities and liquid assets. When interest rates rise, fixed income securities prices generally decline and this may
lower the market value of the fund’s investment in fixed income securities. The reverse applies when interest rates
fall. The returns of the fund’s investments in liquid assets move in tandem with interest rates. A decline in interest
rates will lower the returns of the fund’s investments in liquid assets. For example, when interest rates fall, deposit
placements would be reinvested at lower interest rates and subsequently yield lower returns to the fund.
3. Credit risk: Credit risk relates to the creditworthiness of the issuer of the securities or liquid assets which is
dependent on the issuer’s ability to make timely payments of interest and/or principal. In the event that the issuer
of a security or liquid assets defaults in the payment of interest and/or principal, the value of the fund may be
adversely affected.
4. Currency risk: If the fund invests in foreign currency or assets denominated in foreign currency, the fund may
be exposed to currency fluctuation risks. If the currencies in which the investments are denominated depreciate
against the local currency, the fund’s NAV may be adversely affected and vice versa. To mitigate such risk, the fund
may undertake hedging strategies. However, the fund would not benefit from any potential upside if currencies
move in the opposite direction of the hedging strategy.
5. Country risk: Investments of the fund in any country may be affected by changes in the economic and political
climate, restriction on currency repatriation or other developments in the law or regulations of the country in which
the fund invests in. For example, the deteriorating economic condition of such countries may adversely affect the
value of the investments undertaken by the fund in those affected countries. This in turn may cause the NAV of
the fund or prices of units to fall.
6. Risk associated with investments in warrants: The market price of warrants held by the fund may be impacted
by changes in market price of the underlying securities as well as the exercise price and expiry date of the warrants.
Any adverse movements in the market price of the warrants may impact the fund’s NAV and unit price.
11
Risk Management Strategies
Asset allocation, liquidity management and diversification strategies employed are central to the efforts to manage
the risks posed to the fund.
To mitigate risks arising from significant volatilities in times of adverse market movements, foreign currency
exposure and foreign interest rate movements, the fund may employ hedging strategies utilising futures contracts,
foreign exchange forward contracts and options. Participation in these instruments are for hedging purposes only.
Investments in warrants will be assessed on ongoing basis as it can potentially increase the volatility of the fund’s
returns.
To manage credit risk, credit analysis is conducted and credit ratings of financial institutions is monitored on an
ongoing basis. The fund will focus on securities issued by companies with sound financial position whereby gearing
ratio and interest cover ratio are within acceptable levels of the industry in which the issuer company operates.
1.3 PERMITTED INVESTMENTS
The Manager has absolute discretion, subject to the Deed, the investment policy of the funds and the requirements
of the SC and other regulatory body, as to how the assets of the funds are invested.
The funds will invest in/utilise the following:
i. Equity and equity-related securities such as warrants of companies listed in Eligible Markets;
ii. Stocks of IPO companies seeking a listing in Eligible Markets;
iii. Unlisted equity and equity-related securities whether or not approved for listing and quotation in Eligible
Markets, which are offered directly by the company to the funds;
iv. Listed fixed income securities traded in Eligible Markets;
v. Unlisted fixed income securities traded in Eligible Markets;
vi. Sovereign fixed income securities traded in Eligible Markets;
vii. Malaysian Government Securities, Treasury Bills, Bank Negara Monetary Notes, Government Investment
Issues and other Government approved and/or guaranteed securities;
viii. Deposits and money market instruments with licensed domestic and foreign financial institutions;
ix. Units of other collective investment schemes;
x. Derivatives such as foreign exchange forward contracts, futures contracts and options traded on the futures
and options market of an exchange company approved, or exempt futures and options market declared, by
the Minister under the CMSA 2007 (for hedging purpose only); and
xi. Any other form of investments which is in line with the objective of the funds as may be agreed upon by the
Manager and the trustee from time to time.
The funds may participate in lending of securities within the meaning of the SC Guidelines on Securities Borrowing
and Lending when permitted by the SC and other relevant authorities.
12
1.4 INVESTMENT RESTRICTIONS
The funds are subject to the following investment restrictions in the course of execution of its investment policies
and strategies:
(i) Investment Spread Limits
Limits
Investment (% of respective fund’s NAV)
Value of investments in ordinary shares issued by any single issuer ≤ 10%
Value of investments in transferable securities and money market ≤ 15%

instruments issued by any single issuer
Value of placement in deposits with any single institution ≤ 20%
For investments in derivatives:-
(i) exposure to underlying assets; ≤ spread limits stipulated

in this section.
(ii) value of OTC derivative transaction with any single counter-party ≤ 10%
Aggregate value of investments in transferable securities, money market ≤ 25%

instruments, deposits and OTC derivatives issued by or placed with, as
the case may be, any single issuer/institution
Value of investments in units of any collective investment scheme ≤ 20%
Value of investments in transferable securities and money market ≤ 20%

instruments issued by any group of companies
(ii) Investment Concentration Limits
Investment Limits
Investments in transferable securities (other than debentures) ≤ 10% of the securities issued by
any single issuer.
Investments in debentures ≤ 20% of the debentures issued

by any single issuer.
Investments in money market instruments ≤ 10% of the instruments issued

by any single issuer.
Note: This limit does not apply to

money market instruments that
do not have pre-determined issue
size.
Investments in collective investment schemes ≤ 25% of the units in any one

collective investment scheme.
Note: Transferable securities refer to equities, debentures and warrants.
13
(iii) Exposure Limits
Limits
Investment (% of respective fund’s NAV)
Value of investments in unlisted securities ≤ 10%
Note: This exposure limit does not

apply to:-
a) equities not listed or quoted

on a stock exchange but have
been approved by the relevant
authority for such listing and
quotation, and are offered
directly to the fund by the
issuer; and
b) debentures traded on an
organised OTC market.
Value of holdings in foreign investments ≤ 98%
Exposure from derivatives position ≤ NAV of the fund at all times.
The above limits and restrictions shall be complied with at all times based on the most up-to-date value
of the respective funds, and the value of their investments and instruments. However, a 5 per cent
allowance in excess of any limits or restrictions may be permitted where the limit or restriction is breached
through the appreciation or depreciation in value of each fund’s investments or instruments, or as a result
of redemption of units or payment made from the fund. The Manager should, within a reasonable period
of not more than 3 months from the date of the breach, take all necessary steps and actions to rectify the
breach.
Such limits and restrictions, however, do not apply to securities that are issued or guaranteed by the
Government or Bank Negara Malaysia.
14
1.5 VALUATION OF PERMITTED INVESTMENTS
Listed equities, warrants and options – valuation is based on market price of the respective exchanges. If no
market price is available or valuation based on market price does not represent the fair value of investments, the
securities will be valued at fair value, as determined in good faith by the Manager, based on the methods or bases
approved by the trustee after appropriate technical consultation.
Unlisted equities – fair valuations which are based on methods that are acceptable to the Manager, verified by
the auditor and approved by the trustee.
Listed and unlisted fixed income securities – for listed fixed income securities, the last traded prices quoted
on a recognised exchange will be used. If no market price is available or valuation based on market price does
not represent the fair value of the fixed income securities, the fixed income securities will be valued at fair value,
as determined in good faith by the Manager, based on the methods or bases approved by the trustee after
appropriate technical consultation.
In the case of unlisted fixed income securities denominated in RM, valuations are carried out on a daily basis using
fair value prices quoted by a Bond Pricing Agency (BPA) registered with the SC. If the Manager is of the view
that the price quoted by the BPA for a specific fixed income security differs from the ‘market price’ by more than
20 basis points, the Manager may use the ‘market price’ provided that the Manager adheres to the requirements
stipulated by the SC. Market price for fixed income securities are derived from market quotations obtained from
the panel of at least three active financial institutions that are governed by the Financial Services Act 2013 and/or
Islamic Financial Services Act 2013 (FSA/IFSA). Other unlisted fixed income securities which include foreign unlisted
fixed income securities are valued daily based on fair value by reference to the average indicative yield quoted by
at least three independent and established institutions.
Commercial papers – commercial papers are valued at purchase yields with interest accrued daily.
Money market instruments – money market instruments which include negotiable instrument of deposits are
valued at market yields based on the remaining days to maturity.
Deposits – the value of such investments shall be determined on a daily basis by reference to their nominal values
and the accrued interest thereon for the relevant period.
Units in other collective investment schemes – the last published repurchase price per unit or if not available,
the units will be valued at fair value as determined in good faith by the Manager, based on methods or bases
approved by the trustee after appropriate technical consultation.
Foreign exchange forward contracts – all foreign exchange forward contracts are marked-to-market daily and
valued at fair value using forward rate of the remaining tenure to maturity.
Futures contracts – all futures contracts are marked-to-market at the end of each trading day. Any gains or losses
are immediately reflected upon marking to market.
Suspended securities – will be valued at their suspended price unless there is conclusive evidence to indicate
that the value of such stocks have gone below the suspended price, whereupon their value will be ascertained in
a manner as agreed upon by the Manager and trustee.
All foreign securities and assets are converted into RM based on the bid exchange rate quoted by Thomson
Reuters/Bloomberg at United Kingdom time 4:00 p.m. the same day.
15
2 FEES, CHARGES AND EXPENSES
2.1 CHARGES IMPOSED ON PURCHASE AND REDEMPTION OF UNITS
Sales charge and redemption charge (if any) that are to be levied on the purchase and redemption of units are
computed based on the NAV per unit of the fund that has not been rounded up.
Bank charges, courier charges and any other indirect charges as a result of purchase or redemption transactions
will be borne by you.
Below are the charges that you may directly incur when purchasing or redeeming units of the funds:
Purchase of units through UTCs and the Manager.

The Manager may at its discretion charge a lower sales
Sales charge charge based on the size of investment and/or other Up to 5.5% of
per unit criterion as may be determined from time to time. NAV per unit
Please refer to page 19 for illustration on computation

of sales charge.
Redemption Please refer to page 20 for illustration on computation

Nil
charge per unit of redemption charge.
Up to 0.75% of
NAV per unit or a
Within 90 days from the date of purchase or minimum of RM50
Switching switching of units into the funds. (This switching fee
charges will be retained by
the fund)
After 90 days from the date of purchase or

switching of units into the funds. Up to RM50
Administration fee is charged for each transfer

Transfer charges Up to RM50
transaction.
2.2 FEES AND EXPENSES OF THE FUNDS
Operating a fund involves a variety of expenses for portfolio management, the manager’s fee, fees for trustee,
foreign custodian charges, auditor’s fee, tax agent’s fee and other administrative charges incurred in the
administration of the fund. These costs are paid out of the fund’s assets.
Below are the fees that you may indirectly incur when you invest in the fund:
PASGF PGCF
Management fee 1.60% per annum of the NAV.
0.06% per annum of the NAV, subject to a minimum fee of RM18,000

Trustee fee
and a maximum fee of RM600,000 per annum.
16
FEES, CHARGES AND EXPENSES (CONT’D)
The annual management fee and trustee fee are calculated and accrued daily, and payable monthly to the Manager
and trustee respectively.
Note: All the above fees and charges are subject to GST which are payable by you.
2.3 POLICY ON STOCKBROKING REBATES AND SOFT COMMISSIONS
The management company does not receive any form of rebates from any broker/dealer. The management company
may receive goods or services which include research materials, data and quotation services and investment related
publications by way of soft commissions provided they are of demonstrable benefit to the funds and unitholders.
There are fees and charges involved and investors are advised to consider them before
investing in the funds.
17
3 TRANSACTION INFORMATION
3.1 DETERMINATION OF PRICES
Valuation Point
Valuation of the funds will be conducted after the close of business of Bursa Securities for the relevant day. As
certain foreign markets in which the funds may invest in have yet to close due to the different time zones of these
countries, the valuation point may be extended to 9:00 a.m. (or any other such time as may be permitted by the
relevant authorities from time to time) on the following day in which the Manager is open for business. As a result
of having a valuation point later than 5:00 p.m., the daily prices of the funds will not be published on the next
Business Day but instead will be published the next following Business Day (i.e. the prices will be 2 days old).
NAV per Unit
The NAV per unit is obtained by dividing the NAV of the funds by the number of units in issue.
Illustration:
Total NAV (RM) UIC (units) NAV per unit (RM)

÷ =
352,625,000 1,410,500,000 0.25000000
Single Pricing
Purchase and redemption of units are quoted and transacted at a single price, i.e. at the NAV per unit of the funds.
Sales charge and redemption charge (if any) are computed and charged separately, and are not incorporated in
the quoted prices of the funds.
Forward Pricing
Both the purchase and redemption transactions are traded at prices next determined. A request issued by you
to purchase or redeem units of the funds will be carried out at a price as at the next valuation point after the
application is received and accepted by the Manager.
Investments banked in over the counter through Public Bank branches on any Business Day
will be processed based on the price determined for the same Business Day.
Before or at 4:00 p.m. Investment After 4:00 p.m.

via electronic
Processed based on the price channels Processed based on the price
determined for the same Business determined for the next Business
Day. Day.
Any investment and transaction requests made on a non-Business Day will be treated as investments or transaction
requests made on the following Business Day.
Incorrect Pricing
In the event of any incorrect pricing of units of the funds, the Manager shall take immediate remedial action where
that incorrect pricing –
(i) is equal or more than 0.5% of the NAV per unit; and
(ii) results in a sum total of RM10.00 or more to be reimbursed to the affected unitholder for each purchase or
redemption transaction.
Subject to any regulatory requirements, the Manager shall have the right to amend, vary or revise the abovesaid
limits or threshold from time to time.
18
TRANSACTION INFORMATION (CONT’D)
3.2 COMPUTATION OF PRICES
Purchasing Units of the Funds
Illustration:
Investment amount : RM10,000

NAV per unit : RM0.25000000
Sales charge : 5.5% of NAV per unit
= Investment Amount x Sales Charge (%)

[1 + Sales Charge (%)] +
Sales Charge [Sales Charge (%) x GST (%)]
Incurred RM519.70
= RM10,000 x 5.5%
[ (1 + 5.5%) + (5.5% x 6%) ]
Goods and Services = Sales Charge Incurred x GST (%)

Tax (GST) RM31.18
= RM519.70 x 6%
Investment Amount RM10,000

Net Investment
Less: Sales Charge Incurred (RM519.70) RM9,449.12
Amount
Less: GST (RM31.18)
= Net Investment Amount

Units NAV per unit
37,796.48
Credited to
= RM9,449.12 units
Your account
RM0.25000000
DO NOT PAY CASH FOR YOUR INVESTMENT
UTCs AND STAFF OF PUBLIC MUTUAL ARE NOT AUTHORISED TO COLLECT INVESTMENT
AMOUNT IN CASH UNDER ANY CIRCUMSTANCES WHATSOEVER.
Public Mutual will not be liable for any loss incurred should you give cash to our UTCs or staff.
DO NOT PAY CASH TO A UTC OR STAFF OF PUBLIC MUTUAL.
BNM/21/12-2016
DO NOT ISSUE A CHEQUE IN THE NAME OF A UTC OR STAFF OF PUBLIC MUTUAL.
19
Redeeming Units of the Funds
Illustration:
Units redeemed : 40,000 units

NAV per unit : RM0.25000000
Amount = Units redeemed x NAV per unit

Redeemed RM10,000
= 40,000 units x RM0.25000000
Redemption = Redemption charge (%) x NAV per unit x Units redeemed

Charge Incurred Nil
= 0% x RM0.25000000 x 40,000 units
Total Redemption
= Amount redeemed – Redemption charge incurred
Proceeds Received RM10,000
by You = RM10,000 – RM0
Note: All the above fees and charges are subject to GST which are payable by you.
3.3 WHERE TO PURCHASE OR REDEEM UNITS OF THE FUNDS
UTCs who are registered Public Mutual Online Public Mutual

with FIMM (PMO) Customer Service Centres
Priority clients may access the exclusive Mutual Gold Service for value-added, time saving services.
Please refer to pages 36 to 39 for the Directory of Public Mutual Branch Offices, Customer Service Centres and
Agency Offices.
3.4 HOW TO PURCHASE UNITS OF THE FUNDS
Before investing, it is important that you read the Prospectus and products highlights sheets of
the funds carefully, and seek further clarification on any matter that may concern you.
20
Opening an Account
• Minimum initial investment*: RM1,000
• For existing investors who are PMO subscribers, you can purchase units of the
funds online.
• If you are not an existing PMO subscriber and would like to be one:
- Submit the PMO application form personally at any Public Mutual or Public
Individual Bank branch offices or Public Mutual Head Office.
Investors • Otherwise:
- Submit investment application form together with the investment amount
made out in a cheque to any Public Bank branch.
• For first time investor of Public Mutual, you are also required to complete the
new investor form.
Non- • Submit investment application form with requisite statutory documents to

Individual/ any Public Mutual or Public Bank branch offices or Public Mutual Head Office
Corporate (please refer to the new investor form for documents required).
Investors • Please contact the corporate sales desk at 03-6279 6829 for further assistance.
Note:
* The Manager may vary the minimum initial investment amount from time to time.
Adding Regularly to Your Account
• Minimum additional investment: RM100

• Additional investments can be executed via:
(a) PMO.
(b) Direct debit authorisation with banks.
(c) Depositing your cheque into the collection accounts maintained at Public Bank.
How You Should Write Your Cheque
Your cheques for investment are to be issued in the following manner:
Individual
Investors Cheque must be made payable to:
Initial
Investment
“Public Mutual Berhad - New NRIC No. of First Holder”.
“Public Mutual Berhad - Account No. of Targeted Fund”

Additional
Investment
or
“Public Mutual Berhad - New NRIC No. of First Holder”.
For corporate investors, cheque for initial investment must be made payable to “Public Mutual Berhad - Your
Company Registration Number”. Cheque for additional investment must be made payable to “Public Mutual
Berhad - Account No. of Targeted Fund or Your Company Registration Number”.
21
Please write down your name, new NRIC/passport number/company registration number and
telephone number at the back of the cheque.
Under the Deed, the Manager is given the exclusive right to effect the issue of units for the account of the funds
and has absolute discretion to accept or reject in whole or in part any application for units.
DO NOT PAY CASH FOR YOUR INVESTMENT
UTCs AND STAFF OF PUBLIC MUTUAL ARE NOT AUTHORISED TO COLLECT INVESTMENT
AMOUNT IN CASH UNDER ANY CIRCUMSTANCES WHATSOEVER.
Public Mutual will not be liable for any loss incurred should you give cash to our UTCs or staff.
DO NOT PAY CASH TO A UTC OR STAFF OF PUBLIC MUTUAL.
BNM/21/12-2016
DO NOT ISSUE A CHEQUE IN THE NAME OF A UTC OR STAFF OF PUBLIC MUTUAL.
3.5 HOW TO REDEEM UNITS OF THE FUNDS
• Minimum units for redemption: 1,000 units.

• There is no restriction on the frequency of redemption.
• You can execute your redemption request via PMO or by completing and submitting the repurchase form
on any Business Day to your nearest Public Mutual branch office or Public Mutual Head Office.
• Your redemption proceeds will be paid within 10 days from our receipt of your request.
• You may request for regular/periodic withdrawals subject to terms and conditions as the Manager may
determine, upon such facility being made available.
3.6 HOW TO SWITCH UNITS BETWEEN FUNDS
• Minimum units for switching: 1,000 units.

• During the initial offer period, switching of loaded units (i.e. units which have incurred a sales charge of
3% or more) into PASGF and PGCF is not allowed.
• After the initial offer period, you may switch your units between PASGF or PGCF and other funds under
the Public Series of Funds and Public Series of Shariah-Based Funds on any Business Day subject to terms
and conditions.
• You can execute your switching request via PMO or by completing and submitting the switching form to
your nearest Public Mutual branch office or Public Mutual Head Office.
• The Manager reserves the right to reject any switching requests of unitholders of the funds if it is deemed
to be disruptive to the efficient portfolio management or contrary to the best interest of the targeted
funds. Switching requests that are rejected by the Manager would be treated as a redemption of units.
3.7 HOW TO TRANSFER UNITS OF THE FUNDS
• Minimum units for transfer: 1,000 units.

• Complete and submit the transfer form to your nearest Public Mutual branch office or Public Mutual Head
Office (subject to terms and conditions).
22
3.8 MINIMUM ACCOUNT BALANCE
• Minimum balance of 1,000 units must be maintained at all times to stay invested with the funds.
• If partial redemption, switching or transfer of units result in less than 1,000 units being held in your
account with the funds, the Manager may redeem, switch or transfer the entire account.
3.9 COOLING-OFF RIGHT
• Applicable for first time investors of Public Mutual.

• Submit request to Public Mutual Head Office or any of its branch offices within 6 Business Days from the
date of receipt of the investment application form and payment by Public Mutual.
• Full refund will be paid within 10 days from the date of exercise of this right.
• The refund for every unit held will be the sum of the price of a unit on the day the units were purchased
and the sales charge imposed (and GST) on the day the units were purchased.
• Corporates or institutions, staff of the Manager and persons registered to deal in unit trust funds are not
entitled to the cooling-off right.
3.10 DISTRIBUTION
Declaration
• Distribution, if any, is declared at the end of each financial year, or for any other specified period.
• Distribution(s) paid is subject to availability of realised income and/or realised gains.
Reinvestment
• Distribution (if any) will be reinvested unless you opt for distribution to be paid out to you by indicating in
the investment application form or PMO.
• Distribution will be reinvested at NAV per unit, computed at the close of the first Business Day following
the distribution declaration date.
• No sales charge will be imposed on distribution reinvestments.
• Distribution less than RM100 per account will automatically be reinvested at NAV per unit.
Pay Out Option

• Please indicate in the investment application form or PMO and provide your bank account details for
distribution to be credited into your bank account.
• In the absence of a registered bank account, the distribution (if any) will be reinvested.
Notify the Manager of any changes to your distribution instructions within 14 Business Days prior to each date
fixed for the distribution.
Unit prices and distributions payable, if any, may go down as well as up.
3.11 UNCLAIMED MONIES
Any monies payable to you which remain unclaimed after such period (currently being 1 year) will be paid to
Register of Unclaimed Monies by the Manager in accordance with the provisions of the Unclaimed Moneys Act
1965 and (Amendment) 2002.
23
3.12 KEEPING TRACK OF YOUR INVESTMENTS
Daily Prices
Visit our website at www.publicmutual.com.my for daily NAV/price of the funds.
of Units
Statement of Statements of Transaction will be issued within 21 days from the date of each
Transaction transaction to confirm the details of your transactions.
Annual/
Interim
Statement of Annual/Interim Statements and Reports which include a Summary of Distribution
Investment (if any) are made available within 2 months from the close of each financial year
& Annual/ or interim period.
Interim
Reports
The fund’s annual report is available upon request.
If you did not receive a copy of the reports and statements, please contact Public Mutual Hotline at
03-6207 5000 for assistance.
3.13 AVENUE FOR ADVICE
For general enquiries or specific assistance regarding your investments with us, you may contact:-
Public Mutual Hotline at 03-6207 5000; or
Visit any Public Mutual Customer Service Centre located at its branch offices.
24
4 THE MANAGER
4.1 CORPORATE PROFILE OF PUBLIC MUTUAL
The funds are managed by Public Mutual, a wholly owned subsidiary of Public Bank. Public Mutual is a licensed
fund manager and Private Retirement Scheme (PRS) Provider and is the largest private unit trust manager in terms
of NAV. Incorporated on 21 July 1975 under its former name Kuala Lumpur Mutual Fund Berhad, Public Mutual
began its operations on 2 July 1980 and was among the early pioneers of the industry.
The Board of Directors
Tan Sri Dato’ Sri Dr. Teh Hong Piow – Non Independent Director (Chairman)
Tan Sri Dato’ Sri Tay Ah Lek – Non Independent Director
Dato' (Dr) Haji Mohamed Ishak Bin Haji Mohamed Ariff – Independent Director
Mr. Quah Poh Keat – Non Independent Director
Dato’ Mohammed Najeeb Bin Abdullah – Independent Director
Dato’ Mohd Hanif Bin Sher Mohamed – Independent Director
Ms. Yeoh Kim Hong – Chief Executive Officer / Non Independent Director
4.2 ROLES, DUTIES AND RESPONSIBILITIES OF THE MANAGER
The roles, duties and responsibilities of the Manager include, but is not limited to, the following:-
• to ensure that the funds are managed within the ambit of the Deed, securities laws and relevant guidelines
at all times;
• to provide customer support to best serve the unitholders’ needs;
• to keep unitholders informed of the management and performance of the funds through interim and
annual reports;
• to ensure that the interest of the unitholders is best served and protected at all times.
The Manager is not engaged in any material litigation and arbitration, either as plaintiff or defendant, and is not
aware of any proceedings, pending or threatened or of any facts likely to give rise to any proceedings which might
materially and adversely affect its business or financial position.
4.3 THE INVESTMENT COMMITTEE
The Investment Committee oversees the investment process of the funds. The primary functions of the Investment
Committee are as follows:
• Review the performance and portfolios/asset allocation of the funds.

• Review the performance of the markets and their respective outlook.
• Review and approve the portfolio strategies recommended by the fund manager and his team.
4.4 PROFILE OF KEY INVESTMENT PERSONNEL
The Investment team of Public Mutual which comprises of more than 20 portfolio managers and a research team
of more than 30 research analysts, is headed by the Senior General Manager – Investment Division who reports
directly on the management of the funds to the Chief Executive Officer.
The profiles of Mr. Chiang Kang Pey, the designated person responsible for the fund management of PASGF and
PGCF and other key members of the Investment team are as follows:
25
THE MANAGER (CONT’D)
Senior General Manager – Investment Division

Mr. Lum Ming Jang – Mr. Lum obtained his CMSRL on 31 December 2004.
Mr. Lum holds an honours degree in Accountancy from the National University of Singapore and is a CFA
charterholder. He joined Public Mutual in 2001 as Senior Manager – Investment Research and assumed the
position of Senior Manager – Fund Management and co-designated fund manager of various funds in 2003. He
was promoted to General Manager – Investment in 2004 and subsequently Senior General Manager – Investment
in 2007.
Mr. Lum has more than 25 years of experience in fund management, investment research and stockbroking.
Prior to joining Public Mutual, Mr. Lum held management positions at various established local and foreign
stockbroking houses, overseeing their investment research functions and institutional sales. Mr. Lum’s investment
research experience include assessing corporate earnings growth prospects, evaluating management track
record, computation of stock valuations and financial analysis of listed companies on the Bursa Securities. He is
also familiar with analysis of financial and economic trends which affect stockmarket movements. On the fund
management side, Mr. Lum has served as a co-fund manager of selected unit trust funds managed by Public
Mutual since 2003 before assuming the position of General Manager – Investment in 2004 and subsequently
Senior General Manager – Investment in 2007.
General Manager – Investment, Equity Portfolio Management

Mr. Chiang Kang Pey – Mr. Chiang obtained his CMSRL on 8 February 2005.
Mr. Chiang holds a Master of Financial Management (Dean’s Honours List) degree from the Rotterdam School of
Management, Erasmus University in the Netherlands and a Bachelor of Economics in Accounting from Monash
University in Australia. He is a CFA charterholder and has been managing equity funds since 1997. Mr. Chiang
joined Public Mutual in 2004 as Manager – Investment Research and was subsequently re-designated as Manager
– Investment, Equities Section where he was involved in managing selected equity funds. He was promoted to
the position of Senior Portfolio Manager – Investment, Equities Section in 2005 and assumed the position of co-
fund manager of various equity funds. From 2006 onwards, Mr. Chiang was appointed as the designated fund
manager of selected equity funds. He was promoted to the position of Assistant General Manager in 2008 and
subsequently Deputy General Manager in 2015. In 2016, Mr. Chiang assumed his current position as Head of
Equity Portfolio Management and in 2017, he was promoted to the position of General Manager. In this capacity,
apart from overseeing the team of equity portfolio managers, he also actively constructs, monitors and rebalances
the equity portfolios to achieve the stated objective of selected funds.
Mr. Chiang commenced his investment career in 1995 as an equity analyst at a stockbroking firm and subsequently
joined the investment department of a life insurance company. Prior to joining Public Mutual, he was attached
to an asset management company; initially as an assistant fund manager responsible for analysing and valuing
listed companies. He was later made a fund manager, jointly managing Asia Pacific (ex-Japan) portfolios where
he specialised in Malaysian and Thailand equities.
Assistant General Manager – Investment, Equity Portfolio Management

Ms. Tan Chee Chin – Ms. Tan obtained her CMSRL on 8 February 2005.
Ms. Tan graduated with a Bachelor of Commerce (Hons) in Accounting and Finance from the University of Western
Australia, fully passed the Australian CPA program and is a CFA charterholder. She joined Public Mutual in 2003
as Assistant Manager, Investment Research. She was made Deputy Manager – Investment, Equities Section and
designated co-fund manager of selected funds managed by Public Mutual in 2005. Ms. Tan assumed her position
of Portfolio Manager – Investment, Equities Section in 2006 and Senior Portfolio Manager – Investment, Equities
Section in 2008. She was promoted to Assistant General Manager in 2014.
Ms. Tan previously worked in a foreign financial institution with a global presence before embarking into a
career in the financial markets. She was an investment analyst for an established local stock broking house for a
period of time before moving on to the asset management industry. Ms. Tan has over 20 years experience in the
Malaysian equity market and 10 years in the regional markets.
26

En. Mat Radzuan bin Abd Razak – En. Mat Radzuan obtained his CMSRL on 8 February 2005.
En. Mat Radzuan holds a Bachelor of Science Degree in Actuarial Science and Finance from Roosevelt University,
USA. He is a CFA charterholder and a member of the CFA Institute and CFA Malaysia. He joined Public Mutual
in 2004 as Assistant Manager – Investment, Equities Section and was subsequently made co-fund manager of
selected funds managed by Public Mutual in 2005. En. Mat Radzuan assumed his position of Portfolio Manager
– Investment, Equities Section in 2006 and Senior Portfolio Manager – Investment, Equities Section in 2008. He
was promoted to Assistant General Manager – Investment, Equities Section in 2014.
En. Mat Radzuan has more than 20 years of experience in the Malaysian equity market. Prior to joining Public
Mutual, En. Mat Radzuan had worked with various companies including asset management, insurance,
stockbroking and futures broking companies.

Ms. Chen Yuet Fong – Ms. Chen obtained her CMSRL on 19 October 2005.
Ms. Chen graduated with a Bachelor of Economics from the University of Malaya. She is a CFA charterholder.
She joined Public Mutual in 2005 as Assistant Manager, Investment, Equity Section. She assumed the position of
Portfolio Manager – Investment, Equities Section in 2006 and Senior Portfolio Manager, Equities Section in 2012.
She was promoted to Assistant General Manager – Investment, Equity Portfolio Management in 2016. Prior to
joining Public Mutual, Ms. Chen was attached to a local asset management company as a fund manager. Her
fund management experience includes setting the investment strategy for the assets under management and
management of equity and fixed income portfolios. Ms. Chen was also previously an investment analyst for a
local stockbroking house and her investment research experience includes assessing corporate earnings growth
prospects, computation of stock valuations and financial analysis of listed companies.
Assistant General Manager – Investment, Fixed Income Portfolio Management and Investment Research
Mr. Philip Wong Chee Pin – Mr. Wong obtained his CMSRL on 15 November 2013.
Mr. Wong holds a Master of Science degree in Investment Analysis from the University of Stirling and a Bachelor
of Arts degree in Accountancy Studies from the University of Huddersfield in the United Kingdom. Mr. Wong
joined Public Mutual in 2013 as Assistant General Manager – Investment Research and assumed his current
position as Head of Fixed Income Portfolio Management and Head of Malaysia Equity Research in 2016.
Mr. Wong has over 22 years of experience in investment research and portfolio management. Prior to joining
Public Mutual, Mr. Wong was the Chief Investment Officer for a foreign investment management company. He
also accumulated extensive experience when he served as Senior Vice President – Institutional Equity Investment,
at an established investment management company.
Assistant General Manager – Investment, Fixed Income Portfolio Management

En. Zaharudin bin Ghazali – En. Zaharudin obtained his CMSRL on 12 September 2005.
En. Zaharudin, CFP, holds a Bachelor in Library Science from Universiti Teknologi MARA. He joined Public Mutual
in early 1991 as an Executive in the Investment Department. In late 1992, he was assigned to assist the fund
managers in the cash management operations of the funds. En. Zaharudin was promoted to Assistant Manager
– Investment in 1997 and later to Manager – Fixed Income Management in 2001. He was subsequently re-
designated as Manager – Investment, Fixed Income Section in 2004 and later promoted to Senior Portfolio
Manager – Investment, Fixed Income Section in 2006. He was promoted to Assistant General Manager in 2013.
En. Zaharudin has been involved in overseeing and formulating the investment strategy for fixed income portfolios
and has contributed to the development and advancement of operations and system capabilities of the Fixed
Income section.
For further information on the Manager and Investment Committee, please visit our website at www.publicmutual.com.my.
27
4.5 RELATED PARTY TRANSACTIONS/CONFLICT OF INTEREST
All related party transactions of the funds are executed on terms that are best available to the funds and which are
no less favourable than arm’s length transactions between independent parties.
Such transactions may include:
• dealings on sale and purchase of investment securities and instruments by the funds.
• money market deposits and placements by the funds.
• holding of units in the funds by related parties.
Where a conflict of interest arises due to the Investment Committee member or director holding substantial
shareholding or directorships of public companies, and the fund invests in that particular share or stock belonging
to a public listed company, the said committee member or director shall abstain from any decision making relating
to that particular share or stock of the fund.
Employees of the Manager are required to obtain prior written approval and declare their dealings in securities.
4.6 DOCUMENTS AVAILABLE FOR INSPECTION
A copy of the following documents (where applicable) may be inspected at the registered office of the Manager
or such other place as the SC may determine:
(a) The master deed and supplemental deeds;

(b) The current prospectus and supplementary or replacement prospectus, if any;
(c) The latest annual and interim reports of the funds;
(d) Each material contract disclosed in this Prospectus and, in the case of contracts not reduced into writing, a
memorandum which gives full particulars of the contracts;
(e) Where applicable, the audited financial statements of the Manager and the funds for the current financial
year and for the last 3 financial years or if less than 3 years, from the date of incorporation or commencement;
(f) Any report, letter or other document, valuation and statement by an expert, any part of which is extracted
or referred to in this Prospectus. Where a summary expert’s report is included in this Prospectus, the
corresponding full expert’s report is available for inspection;
(g) Writ and relevant cause papers for all material litigation and arbitration disclosed in this Prospectus (if any);
and
(h) Consents given by experts disclosed in this Prospectus.
4.7 POLICIES AND PROCEDURES ON MONEY LAUNDERING ACTIVITIES
The Manager has established a set of policies and procedures to counter the risk involving money laundering and
financing of terrorism, in compliance with the provisions of Anti-Money Laundering, Anti-Terrorism Financing and
Proceeds of Unlawful Activities Act 2001. The policies and procedures encompass the following key initiatives:
• Provision of training and education on the subject matter to all employees, with emphasis on front-line
personnel and members of the agency force;
• Setting up specific measures and controls with regard to customer identification and acceptance which
include verification of the identity of customer via relevant identification documents;
• Ensuring prompt reporting of suspicious transactions to the Financial Intelligence and Enforcement
Department of Bank Negara Malaysia.
28
5 THE TRUSTEE
5.1 CORPORATE PROFILE OF AMANAHRAYA TRUSTEES BERHAD (“ART”)
ART was incorporated under the laws of Malaysia and registered as a trust company under the Trust Companies
Act 1949. ART is a subsidiary of Amanah Raya Berhad (“ARB”) which is wholly owned by the Minister of Finance
(Incorporated). ART took over the corporate trusteeship functions of ARB and acquired ARB’s experience of more
than 50 years in trustee business.
5.2 ROLES, DUTIES AND RESPONSIBILITIES OF THE TRUSTEE
The trustee of the funds will perform among others, the following roles, duties and responsibilities:
• To act as the custodian of the funds and safeguard the interest of the unitholders;
• To exercise due diligence and vigilance in carrying out its functions and duties in accordance with the Deed,
securities laws and relevant guidelines;
• To ensure that the Manager manages and administers the funds in accordance with the Deed, securities laws
and relevant guidelines;
• To ensure proper records are kept of all transactions in respect of the funds; and
• To ensure that the Manager keeps the trustee fully informed of the details of the Manager’s policies in
investments and any changes thereof.
The trustee is not engaged in any material litigation and arbitration, either as plaintiff or defendant, and the trustee
is not aware of any proceedings, pending or threatened or of any facts likely to give rise to any proceedings which
might materially and adversely affect its financial position or business.
Delegation of Custodian Function
ART has delegated its custodian function for the foreign investments of the funds to Citibank N.A, Singapore
branch. Citibank N.A. Singapore Branch was registered in Singapore by the Accounting and Corporate Regulatory
Authority of Singapore on 6 January 1927. Citibank N.A in Singapore began providing securities service in the
mid-1970’s and a fully operational global custody product was launched in the early 1990’s. To date the securities
services business service a diverse range of clients such as banks, fund managers, broker dealers and insurance
companies.
The roles and duties of Citibank N.A, Singapore, are as follows:
• To act as sub-custodian for the selected cross-border investment of the funds including the opening of cash
and custody accounts and to hold in safe keeping the assets of the funds such as equities, bonds and other
assets.
• To act as paying bank for the selected cross-border investment which include trade settlement and fund
transfer services.
• To provide corporate action information or entitlements arising from the above underlying assets and to
provide regular reporting on the activities of the invested portfolios.
29
6 SALIENT TERMS OF THE DEED
The funds are governed by a master deed dated 28 January 1999, a fifth supplemental master deed dated 23
October 2000, ninth supplemental master deed dated 22 April 2003, twenty sixth supplemental master deed
dated 27 June 2007, thirty sixth supplemental master deed dated 17 March 2008, thirty seventh supplemental
master deed dated 11 April 2008, seventy second supplemental master deed dated 28 November 2014, eighty
third supplemental master deed dated 22 November 2016 and eighty seventh supplemental master deed dated
29 August 2017.
6.1 UNITHOLDERS’ RIGHTS AND LIABILITIES
A unitholder is a person registered in the register as a holder of units or fractions of units in a fund which
automatically accord him rights and interests in the fund.
Unitholders shall have the right in respect of the funds in which they hold units, to the following:
(a) to receive distributions of the funds (if any) and participate in any increase in the capital value of the units.
(b) to call for a unitholders’ meeting, and to vote for the removal of the trustee or the Manager through an
Extraordinary Resolution.
(c) to exercise the cooling-off right, if applicable.
(d) to receive annual and interim reports of the funds.
(e) to exercise such other rights and privileges as are provided for in the Deed.
No unitholder shall be entitled to require the transfer to him of any of the assets comprised in the funds or be
entitled to interfere with or question the exercise by the trustee or the Manager on his behalf of the rights of the
trustee as owner of such assets.
No unitholders shall by reason of the provisions of the Deed and the relationship created thereby between the
unitholders, the trustee and the Manager be liable for any amount in excess of the purchase price paid for the
unit, and shall not be under any obligation to indemnify the trustee and/or the Manager in the event that the
liabilities incurred by the trustee and the Manager in the name of or on behalf of the funds pursuant to and/or in
the performance of the provisions of the Deed exceed the assets of the funds, and any right of indemnity of the
trustee and/or Manager will be limited to recourse to the funds.
6.2 MAXIMUM FEES AND CHARGES PERMITTED BY THE DEED
PASGF PGCF
Management fee 2.0% per annum of the NAV.
Trustee fee Not exceeding 0.06% per annum, calculated daily on the NAV, but subject to
any minimum fee (inclusive of the custodian fee) per annum and/or maximum
fee (inclusive of the custodian fee) per annum as shall be agreed upon by the
Manager and the trustee.
Sales charge 7% of the NAV per unit.
Redemption charge 3% of the NAV per unit.
A lower fee and/or charges than what is stated in the Deed may be charged. All current fees and charges are
disclosed in the Prospectus.
30
SALIENT TERMS OF THE DEED (CONT’D)
Any increase of the fees and/or charges above that stated in the current Prospectus may be made provided that a
supplemental prospectus is issued and the maximum stated in the Deed shall not be breached.
Any increase of the fees and/or charges above the maximum stated in the Deed shall require unitholders' approval.
All the above fees and charges are subject to GST. The Manager shall charge and the unitholder shall pay the
amount of GST imposed on any transaction requested by the unitholder.
6.3 PERMITTED EXPENSES PAYABLE OUT OF THE FUNDS
Only expenses directly related and necessary in operating and administering a fund may be paid out of the funds.
The major expenses that are recoverable directly from the funds include:
(i) commission and/or fees paid to brokers in effecting dealings in the investments of the funds, shown on the
contract notes or confirmation notes or difference accounts;
(ii) (where the foreign custodial function is delegated by the trustee for foreign markets investment), charges/fees
paid to the sub-custodian;
(iii) tax and other duties charged on the funds by the government and other authorities;
(iv) the fee and other expenses properly incurred by the auditor and all professional and accounting fees and
disbursements approved by the trustee;
(v) fees for the valuation of any investment of the funds by independent valuers for the benefit of the funds;
(vi) costs incurred for the modification of the Deed other than those for the benefit of the Manager or the
trustee;
(vii) costs incurred for any meeting of unitholders other than those convened by the Manager or trustee for its
own benefit;
(viii) the costs of printing and dispatching to unitholders the accounts of the funds, tax certificates, distribution
warrants, notices of meeting of unitholders, newspaper advertisement and such other similar costs as may
be approved by the trustee; and
(ix) any other expenses properly incurred by the trustee in the performance of its duties and responsibilities.
6.4 RETIREMENT, REMOVAL AND REPLACEMENT OF THE MANAGER
The Manager may retire upon giving 12 months notice to the trustee of its desire to do so, or such shorter period
as the Manager and the trustee shall agree upon, in favour of some other corporation.
The Manager may be removed and another corporation appointed as manager by Extraordinary Resolution of
the unitholders at a unitholders’ meeting convened in accordance with the Deed either by the trustee or the
unitholders.
The trustee shall take reasonable steps to remove and replace the Manager as soon as practicable after becoming
aware of any such circumstances:
(a) An Extraordinary Resolution to that effect has been duly passed by the unitholders at a meeting called for that purpose;
(b) The Manager is in breach of its obligations under the Deed;
(c) The Manager has failed or neglected to carry out its duties to the satisfaction of the trustee and the trustee
considers that it would be in the interests of unitholders for it to do so, after the trustee has given notice
and reasons and has considered any representations made by the Manager in respect of that opinion, and
after consultation with the relevant authorities and with the approval of the unitholders; or
(d) The Manager has gone into liquidation (except a voluntary liquidation for the purpose of amalgamation or
reconstruction or some similar purpose) or has had a receiver appointed or has ceased to carry on business,
and the Manager shall not accept any extra payment or benefit in relation to such removal or replacement or retirement.
In any of the cases aforesaid the Manager for the time being shall upon receipt of such notice by the trustee cease to be
the Manager and the trustee shall by writing under its seal appoint some other corporation to be the Manager of the
fund subject to such corporation entering into a deed or deeds with the trustee and thereafter act as Manager during
the remainder period of the fund.
31
SALIENT TERMS OF THE DEED (CONT’D)
6.5 RETIREMENT, REMOVAL AND REPLACEMENT OF THE TRUSTEE
The trustee may retire upon giving 12 months notice to the Manager of its desire to do so, or such shorter period as
the Manager and the trustee shall agree upon, and may appoint a new trustee in his stead or as additional trustee.
The Manager shall take reasonable steps to remove and replace a trustee as soon as practicable after becoming
aware of any such circumstances:
(a) The trustee has ceased to exist;

(b) The trustee has not been validly appointed;
(c) The trustee is not eligible to be appointed or to act as trustee under section 290 of the CMSA 2007;
(d) The trustee has failed or refused to act as trustee in accordance with the provisions or covenants of the Deed
or the provision of the CMSA 2007;
(e) A receiver is appointed over the whole or a substantial part of the assets or undertaking of the existing
trustee and has not ceased to act under the appointment, or a petition is presented for the winding up
of the existing trustee (other than for the purpose of and followed by a reconstruction, unless during or
following such reconstruction the existing trustee becomes or is declared to be insolvent); or
(f) The trustee is under investigation for conduct that contravenes Trust Companies Act 1949, the Trustee Act
1949, the Companies Act 2016 or any securities law.
In addition to the above, the trustee may be removed and another trustee appointed by Extraordinary Resolution
of the unitholders at a unitholders’ meeting convened in accordance with the Deed either by the Manager or the
unitholders.
6.6 TERMINATION OF THE FUNDS
A fund may be terminated or wound-up upon the occurrence of any of the following events:-
(a) the SC’s approval is revoked under Section 256(E) of the CMSA 2007;
(b) an Extraordinary Resolution is passed at a unitholders’ meeting to terminate or wind-up that fund, following
the occurrence of events stipulated under Section 301(1) of the CMSA 2007 and the court has confirmed
the resolution, as required under Section 301(3) of the CMSA 2007;
(c) an Extraordinary Resolution is passed at a unitholders’ meeting to terminate or wind-up the fund; or
(d) the effective date of an approved transfer scheme, as defined under the SC Guidelines, has resulted in the
fund, which is the subject of the transfer scheme, being left with no asset/property.
6.7 UNITHOLDERS’ MEETING
A unitholders' meeting may be called by the Manager, trustee and/or unitholders. Any such meeting must be
convened in accordance with the Deed and/or the SC Guidelines.
Every question arising at any meeting shall be decided in the first instance by a show of hands unless a poll is
demanded or if it be a question which under the Deed requires an Extraordinary Resolution, in which case a poll
shall be taken. On a show of hands every unitholder who is present in person or by proxy shall have one vote.
The quorum for a meeting of unitholders of a fund is 5 unitholders of that fund, whether present in person or by
proxy, provided always that for a meeting which requires an Extraordinary Resolution the quorum for that meeting
shall be 5 unitholders, whether present in person or by proxy, holding in aggregate at least 25% of the units in
issue for that fund at the time of the meeting. If the fund has 5 or less unitholders, the quorum required shall be
2 unitholders, whether present or by proxy and if the meeting requires an Extraordinary Resolution the quorum for
that meeting shall be 2 unitholders, whether present in person or by proxy, holding in aggregate at least 25% of
the units in issue for that fund at the time of the meeting.
32
TAXATION OF THE FUNDS AND UNITHOLDERS
Public Mutual Berhad

Block B, Sri Damansara Business Park
Persiaran Industri
Bandar Sri Damansara
52200 Kuala Lumpur
16 August 2017
Dear Sirs
Re: Taxation of the Funds and Unit Holders
This letter has been prepared for inclusion in this First Prospectus of Public ASEAN Growth Fund and Public Greater
China Fund in connection with the offer of units in the Public ASEAN Growth Fund and Public Greater China Fund
(“the Funds”).
Taxation of the Funds
The Funds are unit trusts for Malaysian tax purposes. The taxation of the Funds are therefore governed principally
by Sections 61 and 63B of the Income Tax Act, 1967 (“the Act”).
Subject to certain exemptions, the income of the Funds in respect of investment income derived from or accruing
in Malaysia are liable to income tax at the rate of 24% effective Year of Assessment (“YA”) 2016.
Gains from the realisation of investments by the Funds will not be subject to income tax.
Interest income earned by the Funds from the following are exempt from tax:-
• any savings certificates issued by the Government; or
• securities or bonds issued or guaranteed by the Government; or
• debentures or sukuk, other than convertible loan stock, approved or authorized by, or lodged with, the
Securities Commission; or
• Bon Simpanan Malaysia issued by the Central Bank of Malaysia; or
• a bank or financial institution licensed under the Financial Services Act 2013 or Islamic Financial Services Act
2013N1 ; or
• any development financial institution regulated under the Development Financial Institutions Act 2002N1; or
• sukuk originating from Malaysia, other than convertible loan stocks, issued in any currency other than
Ringgit and approved or authorized by, or lodged with, the Securities Commission, or approved by the
Labuan Financial Services AuthorityN2 .
The Funds may receive dividends, interest and other income from investments outside Malaysia. Income derived
from sources outside Malaysia and received in Malaysia by a resident unit trust is exempt from Malaysian income
tax. However, such income may be subject to tax in the country from which it is derived.
Discounts earned by the Funds from the following are also exempt from tax:-
• securities or bonds issued or guaranteed by the Government; or
• debentures or sukuk, other than convertible loan stock, approved or authorized by, or lodged with, the
Securities Commission; or
• Bon Simpanan Malaysia issued by the Central Bank of Malaysia.
N1 Effective from YA 2017, in the case of a wholesale fund which is a money market fund, the exemption shall only apply to a wholesale
fund which complies with the criteria as set out in the relevant guidelines of the Securities Commission.
N2 Effective from YA 2017, income tax exemption shall not apply to interest paid or credited to a company in the same group, licensed banks
and prescribed development financial institutions.
33
TAXATION OF THE FUNDS AND UNITHOLDERS (CONT’D)
Tax deductions in respect of the Funds’ expenses such as manager's remuneration, expenses on maintenance of
register of unit holders, share registration expenses, secretarial, audit and accounting fees, telephone charges,
printing and stationery costs and postage (“permitted expenses”) are allowed based on a prescribed formula
subject to a minimum of 10% and a maximum of 25% of the total permitted expenses.
Single tier Malaysian dividends received by the Funds are exempt from tax and expenses in relation to such dividend
income are disregarded.
Real Property Gains Tax (“RPGT”)
Gains on disposal of investments by the Funds will not be subject to income tax in Malaysia. However, such gains
may be subject to RPGT in Malaysia, if the gains are derived from sale of Malaysian real properties and shares
in Malaysian real property companies (as defined). Such gains would be subject to RPGT at the applicable rate
depending on the holding period of the chargeable assets.
Goods and Services Tax (“GST”)
GST has been implemented with effect from 1 April 2015 to replace the Sales Tax and Service Tax. The prevailing
GST rate is 6%.
The issue, holding or redemption of any unit under a trust fund is regarded as an exempt supply. The investment
activities of the Funds such as buying and selling of securities are exempt supplies and thus not subject to GST.
Thus, if the Funds are just making such exempt supplies, they are not required to be registered for GST.
However, certain expenses incurred by the Funds such as fund manager’s fees, trustee fees and professional fees
will be subject to GST at a standard rate if the service providers are registered persons. If the Funds only make
exempt supplies, any input tax incurred by the Funds for the aforementioned expenses are not claimable.
Taxation of Unit Holders
Unit holders are taxed on an amount equivalent to their share of the total taxable income of the Funds, to the
extent that this is distributed to them. The income distribution from the Funds may carry with it applicable tax
credits proportionate to each unit holder’s share of the total taxable income in respect of the tax paid by the Funds.
Unit holders will be entitled to utilise the tax credit as a set off against the tax payable by them. Any excess over
their tax liability will be refunded to the unit holders. No other withholding tax will be imposed on the income
distribution of the Funds.
Corporate unit holders, resident or non resident in Malaysia, would be taxed at the corporate tax rate of 24%
(effective from YA 2016) on distributions of income from the Funds to the extent of an amount equivalent to
their share of the total taxable income of the Funds. Corporate unit holders in Malaysia with paid-up capital in
the form of ordinary shares of RM2.5 million and below will be subject to a tax rate of 19% (will be reduced to
18% effective from YA 2017) on chargeable income of up to RM500,000. For chargeable income in excess of
RM500,000, the tax rate of 24% is still applicable.
However, the said tax rate of 19% on chargeable income of up to RM500,000 would not apply if more than 50%
of the paid up capital in respect of ordinary shares of that corporate unit holder is directly or indirectly owned by a
related company which has a paid up capital exceeding RM2.5 million in respect of ordinary shares, or vice versa,
or more than 50% of the paid up capital in respect of ordinary shares of both companies are directly or indirectly
owned by another company.
Pursuant to Income Tax (Exemption) (No. 2) Order 2017 [P.U.(A) 117], a tax exemption equivalent to a reduction
in the prevailing corporate tax rate from 1% to 4% will be effectively given for YA 2017 and YA 2018 based
on percentage increase in the chargeable business income for the relevant YA as compared to the immediately
preceding YA, subject to meeting the stipulated conditions.
34
TAXATION OF THE FUNDS AND UNITHOLDERS (CONT’D)
Individuals and other non-corporate unit holders who are resident in Malaysia will be subject to income tax at scale
rates. The scale tax rates range from 0% to 28% with effect from YA 2016.
Individuals and other non-corporate unit holders who are not resident in Malaysia, for tax purposes, will be subject
to Malaysian income tax at the rate of 28% with effect from YA 2016. Non resident unit holders may also be
subject to tax in their respective jurisdictions and depending on the provisions of the relevant tax legislation and
any double tax treaties with Malaysia, the Malaysian tax suffered may be creditable in the foreign tax jurisdictions.
The distribution of single-tier Malaysian dividends and tax exempt income by the Funds will not be subject to tax
in the hands of the unit holders in Malaysia. Distribution of foreign income will also be exempt in the hands of
the unit holders.
Units split by the Funds will be exempt from tax in Malaysia in the hands of the unit holders.
Any gains realised by the unit holders (other than financial institutions, insurance companies and those dealing in
securities) from the transfers or redemptions of the unit are generally treated as capital gains which are not subject
to income tax in Malaysia. However, certain unit holders may be subject to income tax in Malaysia on such gains,
due to specific circumstances of the unit holders.
The following gains or income received by the unit holders are not subject to GST:-
• the distribution of income from the Funds to the unit holders which may comprise of dividends, interest
income and gains from realisation of investments;
• distribution of foreign income from the Funds;
• unit split by the Funds and reinvestment of distribution; and
• gain made from selling or redemption of units.
Any fee based charges in relation to buying of the units and transferring of units should generally be subject to
GST if the supplier is GST registered.
The tax position is based on our understanding and interpretation of the Malaysian tax legislations and proposals
as they stand at present. All prospective investors should not treat the contents of this letter as advice relating to
taxation matters and are advised to consult their own professional advisers concerning their respective investments.
Yours faithfully
Ong Guan Heng

Executive Director
KPMG Tax Services Sdn Bhd
35
DIRECTORY OF PUBLIC MUTUAL BRANCH OFFICES AND
CUSTOMER SERVICE CENTRES
Head Office
Block B, Sri Damansara Business Park,
Persiaran Industri, Bandar Sri Damansara,
52200 Kuala Lumpur.
 : 03-62796800  : 03-62779800
: 03-62075000
: http://www.publicmutual.com.my
Mutual Gold Centre Financial Planning Centre

No. 1 & 3, 3rd Floor, 15th Floor, Bangunan PBB,
Jalan Solaris 1, No. 6 Jalan Sultan Sulaiman,
Solaris Mont Kiara, 50000 Kuala Lumpur.
50480 Kuala Lumpur.  : 03-20316300
 : 03-62075000  : 03-22732188
 : 03-62036682
Branches and Customer Service Centres

West Malaysia
Northern Region
Alor Star Butterworth
1888A & 1888B, Jalan Stadium, 4223, Jalan Bagan Luar,
05100 Alor Star, Kedah. 12000 Butterworth, Penang.
: 04-7366500  : 04-7310178 : 04-3055000  : 04-3317775
Senior Branch Manager: Khaw Bee Ruh Senior Branch Manager: Charmane Chew Hui Hsia
Ipoh Penang
37 & 39, Persiaran Greentown 4, 16, Lintang Burma,
Greentown Business Centre, 10250 Pulau Tikus, Penang.
30450 Ipoh, Perak. 
 

  : 04-3055000  : 04-2295171
: 05-2462500 : 05-2559859 Senior Branch Manager: Vincent Seow Weng Sim
Senior Branch Manager: Foong Kuan Mun
Bukit Mertajam
Sungai Petani 2646 - 2648, 2nd Floor
9D & 9E, Jalan Kampung Baru, Jalan Che Bee Noor,
08000 Sungai Petani, Kedah. 14000 Bukit Mertajam
: 04-3055000  :04-4230663 Seberang Prai Tengah, Penang
Branch Manager: Annie Ong Sok Nee  : 04-3055000  : 04-5376580
Branch Manager: Cheryl Oon Lay Pheng
Central Region
1 Utama Shopping Centre Cheras
Lot LG-313-E, 44-2, 44-3, 44-4 & 34-2,
1, Lebuh Bandar Utama, Cheras Commercial Centre,
Bandar Utama City Centre, Jalan 5/101C, Off Jalan Kaskas,
Bandar Utama, 56100 Cheras, Kuala Lumpur.
47800 Petaling Jaya, Selangor.  : 03-62075000  : 03-91321022
 : 03-62075000  :03-77263811 Senior Branch Manager: Khoo Peng Seng
Bangsar Klang
11,15 & 17, Jalan Bangsar Utama 3, 28, 30 & 32, Lorong Batu Nilam 3B,
Bangsar Utama, 59000 Kuala Lumpur. Bandar Bukit Tinggi,
: 03-62075000  :03-22835739 41200 Klang, Selangor
Senior Branch Manager: Chooi Chan Yen  : 03-62075000  : 03-33235632
Branch Manager: Ng Tong Chia
36
CUSTOMER SERVICE CENTRES (CONT’D)
Central Region (cont’d)
Damansara Perdana Puchong

1 & 3, Jalan PJU 8/5 I, 39 & 41, Jalan Puteri 1/4,
Perdana Business Centre, Bandar Puteri Puchong,
Bandar Damansara Perdana, 47100 Puchong, Selangor.
47820 Petaling Jaya, Selangor  : 03-62075000  : 03-80653010
 : 03-62075000  : 03-77222475 Branch Manager: Bryan Koh Yi Earl
Senior Branch Manager: Ong Chen Hung
Shah Alam
54 & 56, Jalan Pahat G15/G,
Kompleks Otomobil,
Persiaran Selangor,
Seksyen 15,
40200 Shah Alam, Selangor.
 : 03-62075000  :03-55139288
Branch Manager: Eric Ng Swee Huat
Southern Region
Batu Pahat Johor Bahru

119, Jalan Chengal, B-19, Jalan Molek 1/5A,
Taman Makmur Taman Molek,
83000 Batu Pahat, Johor. 81100 Johor Bahru, Johor.
 : 07-4363500 :07-4326588  : 07-3607500  : 07-3548600
Branch Manager: Rui Lee Chong Siew Senior Branch Manager: Teng Lee Yen
Kluang Melaka
3, Jalan Dato Teoh Siew Khor No. 929 & 930, Jalan Merdeka,
86000 Kluang, Johor. Taman Melaka Raya,
 : 07-7391500 :07-7736195 75000 Melaka.
Branch Manager: Tan Kheng Aun : 06-2855500  : 06-2837354
Senior Branch Manager: Carl Wong Yon Lian
Muar Seremban
46, Jalan Sayang, 1A & 1B, Jalan Tuanku Munawir,
84000 Muar, Johor. 70000 Seremban, Negeri Sembilan.
 : 06-9562500 :06-9536830  : 06-6372500  : 06-7644237
Branch Manager: Angie Ng Seow Mai Branch Manager: Michael Wong Cheong Tee
East Coast Region
Kota Bahru Kuala Terengganu

PT304 and PT305, Jalan Kebun Sultan, 1-C, Jalan Air Jernih,
15300 Kota Bharu, Kelantan. 20300 Kuala Terengganu, Terengganu.
 : 09-7263500 :09-7476026  : 09-6321500  : 09-6317030
Branch Manager : Puan Abiesharni Abdul Kadir Branch Manager: Wee Suat Hwee
Kuantan Temerloh
71 & 73, Jalan Haji Abdul Aziz, 10, 11 & 12, 2nd Floor,
25000 Kuantan, Pahang. Jalan Ahmad Shah,
 : 09-5118500 :09-5161223 Bandar Sri Semantan,
Branch Manager : Sharon Ting Mooi Choon 28000 Temerloh, Pahang.
 : 09-2955500  : 09-2968060
Branch Manager: Agnes Choong Lee Yoon
37
CUSTOMER SERVICE CENTRES (CONT’D)
East Malaysia
Sabah
Kota Kinabalu Sandakan

Lot 1-0-10, Lot 16, Block B, Ground Floor,
Ground & 1st Floor, Bandar Maju Commercial Centre,
Lorong Api-Api 1, Mile 1.5, North Road,
Api-Api Centre, 90000 Sandakan, Sabah.
88000 Kota Kinabalu, Sabah. Postal Address :
 : 088-231080/2  : 088-238389 Public Mutual Berhad,
Branch Manager: Lim Shaw Siang Sandakan Branch
P.O. Box No. 3488,
90739 Sandakan, Sabah.
 : 089-222922  : 089-222889
Senior Branch Manager:Jonathan Yong Lok Sang
Tawau
TB 4437, Lot 28, Block D,
Sabindo Square,
Jalan Dunlop,
91000 Tawau, Sabah.
 : 089-765325  :089-765326
Branch Manager: Janice Chong Mui Lin
Sarawak
Bintulu Kuching
4, Lot 2646, Lot 205 & 206, Section 49,
Jalan Tun Ahmad Zaidi, Jalan Tunku Abdul Rahman,
97000 Bintulu, Sarawak. 93100 Kuching, Sarawak.
 : 086-334718  :086-330221  : 082-239285  : 082-239825
Branch Manager: Lilian Lo Fui Ping Senior Branch Manager: Jones Chen Chung Sze
Miri Sibu
Lot 1380 (Ground & 1st Floor) & 10, Lorong 2,
Lot 1381 (1st Floor), Jalan Tuanku Osman,
Block 10, Center Point Commercial Centre, 96000 Sibu, Sarawak.
Phase II, Jalan Kubu,  : 084-317463  : 084-330269
98000 Miri, Sarawak.   Branch Manager: Wayne Moh Yuon Fat
 : 085-429066  :085-416195
Branch Manager: Allan Ngo Say Khiang
Public Mutual offices are open on Mondays to Fridays, except public holidays, from 9:00 a.m. to 5:00p.m.
38
DIRECTORY OF PUBLIC MUTUAL AGENCY OFFICES
Penang (Bayan Baru) Sarawak (Sarikei)

Liang Wing Sim Agency Office Ling Chai Kua Agency Office
104, 1st Floor, Jalan Mayang Pasir, No.43, 1st Floor, Jalan Masjid Lama,
Taman Sri Tunas, 96100 Sarikei, Sarawak.
Bayan Baru,  : 084-654108  : 084-653318
11950 Bayan Lepas, Penang.
 : 04-6422170/1  : 04-6411268
39
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GLOSSARY OF TERMS/ABBREVIATIONS 3-5

2. FEES, CHARGES AND EXPENSES 16-17

3. TRANSACTION INFORMATION 18-24

4. THE MANAGER 25-28

6. 6. SALIENT TERMS OF THE DEED 30-32

TAXATION OF THE FUNDS AND UNITHOLDERS 33-35

DIRECTORY OF PUBLIC MUTUAL AGENCY OFFICES 39

ART AmanahRaya Trustees Berhad (766894-T)

Bursa Securities Bursa Malaysia Securities Berhad

CMSRL Capital Markets Services Representative’s Licence

The cooling-off right, however, does not extend to a corporation or institution,

Eligible Market A market that –

FIMM Federation of Investment Managers Malaysia

GST Goods and Services Tax

index stocks Index component stocks of a selected benchmark market index.

IOSCO International Organization of Securities Commissions

Foreign markets which are ordinary/associate members of the IOSCO include:

• Asia Pacific • United States of America

Please refer to the updated list in our website at www.publicmutual.com.my.

IPO Initial Public Offering

PASGF Public ASEAN Growth Fund

PGCF Public Greater China Fund

Prospectus Prospectus of PASGF and PGCF

Public Bank Public Bank Berhad (6463-H)

SC Securities Commission Malaysia

UTC Unit trust consultant

1.1 FUND PROFILES

PUBLIC ASEAN GROWTH FUND (PASGF)

Category of Fund Equity

Financial Year End 30 November

Distribution Policy Incidental

Launch Date 26 October 2017

Initial Issue Price RM0.2500

Investment Policy and Strategy

Typical Asset Classes • Equity and equity-related securities, which include:

Asset Allocation Equities 75% to 98% of the fund’s NAV

Foreign assets Up to 98% of the fund’s NAV

Location of Assets • Indonesia • Singapore

• Any other permitted markets where the regulatory authority is an ordinary or

Investment Approach Equities Bottom-up approach in stock selection process

Fixed income The asset allocation between fixed income securities

Selected Performance Benchmark for PASGF

The benchmark of the fund is the FTSE/ASEAN 40 Index.

Information on the benchmark is sourced from FTSE International Limited.

PUBLIC GREATER CHINA FUND (PGCF)

Category of Fund Equity

Financial Year End 30 November

Distribution Policy Incidental

Launch Date 26 October 2017

Initial Issue Price RM0.2500

Investment Policy and Strategy

Typical Asset Classes • Equity and equity-related securities, which include:

Asset Allocation Equities 75% to 98% of the fund’s NAV

Foreign assets Up to 98% of the fund’s NAV

Location of Assets • Hong Kong

Investment Approach Equities Bottom-up approach in stock selection process

Fixed income The asset allocation fixed income securities