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Alliance Unit Trust Management Berhad

Alliance First Fund

	Affin Trust Management Berhad

	Alliance Unit Trust Management Berhad
		Alliance First Fund
		Alliance Dana Adib
		Alliance Money Plus Fund
		Alliance Optimal Income Fund
		Alliance Islamic Money Market Fund
		Alliance Global Equities Fund (AGEF)
		Alliance Global Bond Fund (AGBF)

	CIMB Principal Asset Management Berhad
	HLG Unit Trust Berhad
	OSK-UOB Management Berhad
	Prudential Unit Trust Management Berhad
	SBB Mutual Berhad

Type of Fund	Income & Growth Fund
Category	Balanced Fund
Investment Objective	To provide medium to long term investors with a reasonable level of income and capital growth
Asset Allocation	Equities : • Min 30% & Max 65% Fixed Income Securities & Liquid Assets : • Min 35% & Max 70%
Investment Strategy	The Fund’s Strategy is investing in a balanced portfolio of equity securities with capital growth prospects and high income yielding fixed income securities
Investment Risks	Market Risk, Specific Stock risk, Currency risk, Country risk, Interest Rate risk, Credit/Default risk & Liquidity risk
Approved Fund Size	800 million
Units in circulation as at 31 December 2005	317.2 million
Financial Year End	31 December
Fund Launched	16 January 1996
Relative Risk Profile	Medium
Recommended Investment Time Frame	3-5 years
Investor Profile	Suitable for Investors who :- Want a professionally managed portfolio of equity and fixed income securities Have a medium to long term investment horizon of 3 to 5 years or more Want to achieve an adequate level of regular income and capital gain at an acceptable level of risk

Fees and Charges

This table describes the charges that you may incur when you buy or sell units of the Funds:

Sales Charge per unit	5% to 7% of NAV
Repurchase Charge per unit	No repurchase charges
Exit Fee	Nil
This table describes the fees that you may incur when you invest in the Fund:
Annual Management Fee	1.50% of NAV
Annual Trustee Fee	0.1% of the Fund’s NAV subject to a minimum of RM35,000 p.a.
Management Expenses Ratio (annualised)	1.58%
List of expenses directly related to the Funds	Accounting and other professional fees and disbursements; Valuation fees in respect of the Funds; Printing cost and dispatching of annual/interim reports, warrants, statements and notices of meetings to Unitholders; Duties and taxes payable in respects of the Funds; All fees and disbursement incurred by the Trustees for the Funds; Other expenses and disbursement incurred by the Trustees for the Funds
Transfer Facility	No charges are imposed for transfer
There are fees and charges involved and investors are advised to consider the fees and charges before investing in the Funds:

Transaction Details

The Minimum Initial Investment	Minimum initial investment is RM1,000 for Cash Plan and RM500 for Savings Plan. For AIMMF the minimum initial investment is RM10,000
The Minimum Additional Investment	the minimum additional investment for Cash Plan is RM100 and RM50 for Savings Plan
Minimum Repurchase Amount	No Minimum
Redemption/ Repurchase of Units	Repurchase proceeds will be paid within ten (10) days of the Manager receiving your redemption repurchase request
Minimum Balance	500 units
Restriction on Frequency of Repurchase	None
Cooling-Off Period	A first time investor of AUT, will be given a cooling –off period of six (6) Business Days from the date of receipt of the application by AUT. Please note that the cooling-off period is only applicable to qualified investors
Exit and re-entry option	None

Distribution Policy

The Fund intends to provide regular income to Unitholders by way of distribution

Prospective unit holders should read and understand the contents of the prospectus and, if necessary, consult their adviser(s).

Unit prices and distributions payable, if any, may go down as well as up.

For more information, call us at 03-2055 9733 or visit your nearest AFFINBANK Customer Relationship Centre today!