ASIA-PACIFIC

BIBD Al-Kauthar Asia-Pacific Fund is part of the BIBD Al-Kauthar Fund Series*, which seeks to maximise your wealth on a long-term capital appreciation basis.

The fund is offering investors a straightforward and convenient way to invest in a wide selection of Shariah-compliant Asia-Pacific stocks.

What is BIBD Al-Kauthar Asia-Pacific Fund?

*BIBD Al-Kauthar Fund Series are issued by BIBD Al-Kauthar Funds DCC Inc., a company incorporated by the Brunei International Financial Centre having a mutual fund license approved on December 29, 2009.

“If a business does well, the stock eventually follows.” - Warren Buffett, Chairman & CEO of Berkshire Hathaway

Ride on the Best Performing Asia-Pacific Stocks

Represents 24% of World’s GDP and it is known as the fastest growing regions in the world.

In 2009, the region saw a sharp rebound and is expected to gain momentum throughout 2010 and beyond.

The region’s economic growth is mainly driven by strong productivity growth contributed by a young well-educated population, increasing wealth, expanding infrastructure with ample supply of natural resources and labour.

1. Stocks are key to wealth accumulation

Grow with Bank Islam Brunei Darussalam Bhd

Best-In-Class Fund Advisor at Your Doorstep

Three Tips for You

Country’s largest bank with strong capital base offering you stability.

Has a strategic presence in the Islamic capital markets and provides wealth management and financial planning services.

Extracting investment returns from Asia-Pacific stocks into Brunei Darussalam.

To deliver the best market opportunities, BIBD collaborates with Lion Global Investors based in Singapore.

Specialist in Asia-Pacific equities with 70% of the mandate focus on this region.

It emphasises research culture on a long-term investment horizon, rigor and depth, sound valuation methodologies, independence and objectivity.

(Source: US Bureau of Labor, Merrill Lynch, US Treasury, Barclays Capital, Ibbotson, S&P).

Asset Class

Type of Fund

Domicile

Benchmark

Valuation Day

Sales Charge

Minimum Initial Investment

Minimum Subsequent Investment

Minimum Redemption Amount

Equity

Open-ended mutual fund

Brunei Darussalam

75% Dow Jones Islamic Asia-Pacific ex-Japan25% Dow Jones IslamicJapan Index

Every Wednesday

3%

$1,000

$100

100 shares

To be read in conjunction with the BIBD Al-Kauthar Funds Prospectus. The above information is relevant for the BIBD Al-Kauthar Asia-Pacific Fund only.

Fund Features

2. Stay invested to reap rewards

3. “The key to making money in stocks is not to get scared out of them.” - Peter Lynch, Famous Investment Guru

(Source: Ibbotson and S&P)

How much do I need to start? As an individual, you can start with as little as $1,000. Then you can add your investment with a minimum of $100. You can also subscribe to the monthly investment plan with an amount as low as $100.

How long is this investment for? Depends on your objective. The fund focuses on long-term investment.

Why should I buy into this fund? You will gain exposure to equity markets in the Asia- Pacific region. You will also be under the assurance of Shariah compliancy and you will benefit from the expertise of best-in-class Fund Advisors.

How much do I get from this investment? It depends. You will get the profit if you sell your fund above your cost of investment. The difference will be the returns on the investment.

What am I investing in? You are investing in a mutual fund that has a portfolio of publicly-listed Shariah-compliant stocks in the Asia- Pacific region.

What is my risk investing in this fund? You can expect a higher return from this kind of investment. At the same time, you will generally have to accept more risk. (Please refer to the “Risk Considerations” clause).

Can the risk be mitigated? Your risk can be mitigated through this investment as it involves a portfolio of diversified stocks, which will be managed by market specialists. Long-term investments also helps minimise the risk.

Where can I buy into this fund? You can buy into the fund from the Distributor’s office at the following business hours: Monday to Thursday 8.45 am-12.00 noon 1.30 pm-3.45 pmFriday 8.45 am-11.15 am 2.30 pm-3.45 pmSaturday, Sunday & Public holidays Closed

Frequently Asked Questions

Terms and Conditions

BIBD and its distributor reserves the right to request for additional documents to support the application such as the last audited accounts.

Eligibility

The following investors are eligible to invest in the Funds:

Open to all aged 18 years and above, in single or joint name

A minor under 18 years of age, provided the monies are held by an adult on the child’s behalf

Any registered corporate entity

Corporate Applicant/s (where applicable):

Required Documents for Individual and Joint Applicant/s:

A copy of Identification card of applicant/s

Fund Subscription Form

Board, Committee or Trustee Resolution

Certified True Copy (CTC) of M&A �

CTC of Certificate of Incorporation, Registration or Partnership Agreement

CTC of Business Licenses

CTC of List of Directors (including copy of NRIC)

List of Authorised Person (including NRIC and signature specimen)

CTC of Form X

CTC of Society’s Constitution or By Laws

1) BIBD Al-Kauthar Asia-Pacific Fund 2) BIBD Al-Kauthar Europe Fund 3) BIBD Al-Kauthar Americas Fund

The BIBD Al-Kauthar Fund Series Comprises:

RISK CONSIDERATION

Potential investors should consider the following risk factors before investing in the Fund. Some of the main risks involved are currency risk, country risk, liquidity risk, market risk, manager risk, and multi-manager risk. Investors should be aware that the investments they make are subject to normal market conditions/fluctuations and other risks inherent in investing in securities. In acknowledgment of such, the investors agree that neither BIBD nor its Distributor shall be held responsible in any form or manner for any losses incurred by the investors in making such investments. Further details on the risk can be obtained from the BIBD Al-Kauthar Funds Prospectus.

DOW JONES ISLAMIC MARKET INDEX

The "Dow Jones Islamic Market IndexSM"or other relevant index is a product of Dow Jones Indexes, a licensed trademark of CME Group Index Services LLC ("CME"), and has been licensed for use. "Dow Jones®", "Dow Jones Islamic Market IndexSM" or other relevant index and "Dow Jones Indexes" are service marks of Dow Jones Trademark Holdings, LLC ("Dow Jones"), and have been licensed to CME and have been sublicensed for use for certain purposes by BIBD. BIBD's Al-Kauthar Asia-Pacific Fund based on the Dow Jones Islamic Market IndexSM, are not sponsored, endorsed, sold or promoted by CME Indexes, Dow Jones or their respective affiliates, and CME Indexes, Dow Jones and their respective affiliates make no representation regarding the advisability of investing in such product(s).

DISCLAIMER

Investors are advised to fully understand and familiarise themselves with the contents, term and conditions and the risk associated with investment products. Bank Islam Brunei Darussalam Berhad (BIBD) and its Distributor do not assume any liability for the action of the investor that may result in losses due to the failure on the investor to obtain adequate information. If in doubt, investors should seek independent advice from qualified professional advisors before investing. The content of this marketing brochure is produced with highest level of care and to the best of our knowledge and belief. However, BIBD and its Distributor make no representations or warranties as to the accuracies or completeness of the information set out herein nor for any omission. In subscribing to this investment, the investors agree to do so at their own risk.

Managed by:

Bank Islam Brunei DarussalamLot 159, Jalan Pemancha,

Bandar Seri Begawan, BS8711,Brunei Darussalam

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Kiulap

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For more information, please contact us at:

BIBD Securities Sdn BhdNo.9, Suria Kiulap Complex, Kiulap

Bandar Seri Begawan BE1518

2239154 2239153

bibdsecurities@bibd.com.bn