UNIT TRUSTS

This document is meant to be informative and for general purposes only. It merely expresses the views and opinions held by DBS based on its current proprietary risk methodology and such views and risk methodology therein, are subject to change. DBS is not obliged to reveal or provide details on their internal risk methodology.

This document sets out the product risk rating of each product and does not constitute an offer, invitation, recommendation or solicitation of any action based upon it. Further, this document should not be viewed as identifying or suggesting all risks, direct or indirect, that may be associated with any investment decision and you should therefore not rely solely on this document when making your investment decision. This document does not take into account your individual needs, investment objectives and specific financial circumstances and investors should read the relevant offering documents in respect of each product and/or obtain separate legal or financial advice regarding the suitability of the product, having regard to their specific investment objectives, financial situation and particular needs before deciding to subscribe for or purchase any product.

Product Name Aberdeen America Opportunities Fund Aberdeen China Opportunities Fund Aberdeen European Opportunities Fund Aberdeen Global Opportunities Fund Aberdeen Global Technology Fund Aberdeen Indonesia Equity Fund Aberdeen Japan Equity Fund Aberdeen Malaysian Equity Fund Aberdeen Singapore Equity Fund Aberdeen Pacific Equity Fund Aberdeen Thailand Equity Fund AllianceBernstein - Global Growth Trends Portfolio AllianceBernstein - International Health Care Portfolio Allianz RCM US Equity Fund AllianzGI RCM Global High Payout Fund Barclays Asian Real Estate Income Fund Barclays Dynamic Money Builder Fund Barclays Entertainment Select Income Fund Barclays Equity Select Income Fund Barclays Global Agriculture Delta Fund Barclays Global Commodities Dynamic Fund Barclays Investment Legends Fund Barclays Life Select Fund S$ Barclays RMB Bond Fund BGF Global Equity Income Fund BGF World Energy Fund BGF World Gold Fund BGF World Mining Fund DB Platinum Commodity DBS Asia Asset Allocator Fund Nikko AM Shenton Asia Bond Fund Nikko AM Shenton Asia Knowledge Fund Nikko AM Shenton Eight Portfolio A Nikko AM Shenton Eight Portfolio B Nikko AM Shenton Eight Portfolio C Nikko AM Shenton Eight Portfolio D Nikko AM Shenton Eight Portfolio E Nikko AM Shenton Short Term Bond Fund Nikko AM Shenton Global Property Securities Fund Nikko AM Shenton Horizon Asia Ex-Japan Equity Fund Nikko AM Shenton Horizon European Equity Fund Nikko AM Shenton Horizon Global Bond Fund Nikko AM Shenton Horizon Global Equity Fund Nikko AM Shenton Horizon Investment Funds - Singapore Dividend Equity Fund Nikko AM Shenton Horizon Singapore Fixed Income Enhanced Fund Nikko AM Shenton Horizon US Equity Fund Nikko AM INDOCHINA Fund Nikko AM Shenton Japan Fund DBS Mendaki Global Fund DBS MyHome Fund - HomeBalanced DBS MyHome Fund - HomeGrowth DBS MyHome Fund - HomeSteady Nikko AM Shenton Asia Pacific Fund Nikko AM Shenton Dynamic Bond Fund Nikko AM Shenton Global Advantage Fund Nikko AM Shenton Global Opportunities Fund

Risk Rating As of 28 Sep 2012 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 2 4 4 3 4 4 4 4 4 3 2 4 2 3 3 4 4 2 4 4 4 2 4 4 2 4 4 4 4 3 4 2 4 2 4 4

Risk Rating As of 26 Mar 2012 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 2 4 4 3 4 4 4 4 4 3 2 4 2 3 3 4 4 2 4 4 4 2 4 4 2 4 4 4 4 3 4 2 4 2 4 4

UNIT TRUSTS
This document is meant to be informative and for general purposes only. It merely expresses the views and opinions held by DBS based on its current proprietary risk methodology and such views and risk methodology therein, are subject to change. DBS is not obliged to reveal or provide details on their internal risk methodology.

This document sets out the product risk rating of each product and does not constitute an offer, invitation, recommendation or solicitation of any action based upon it. Further, this document should not be viewed as identifying or suggesting all risks, direct or indirect, that may be associated with any investment decision and you should therefore not rely solely on this document when making your investment decision. This document does not take into account your individual needs, investment objectives and specific financial circumstances and investors should read the relevant offering documents in respect of each product and/or obtain separate legal or financial advice regarding the suitability of the product, having regard to their specific investment objectives, financial situation and particular needs before deciding to subscribe for or purchase any product.

Product Name Nikko AM Shenton Greater China Fund Nikko AM Shenton Income Fund Nikko AM Shenton Thrift Fund Nikko AM Shenton Twin City Fund DBS Sprint Capital Protected Fund S$ Nikko AM China Rail Network Opportunities Fund Nikko AM China Wage Dynamic Fund Nikko AM Japan Recovery Fund Nikko AM RMB Bond Fund DWS Asia Premier Trust DWS China Equity Fund DWS Global Agribusiness Fund DWS Global Themes Equity Fund DWS Invest Top Dividend Fidelity Fund - South East Asia Fund Fidelity Funds - Live 2020 Fund Fidelity Funds - Live 2030 Fund Fidelity Funds - Live Today Fund Fidelity Funds - Taiwan Fidelity Asian High Yield Fund Fidelity India Focus Fund First State Asia Innovation Fund First State Asian Growth Fund First State Bridge First State Dividend Advantage First State Global Balanced Fund First State Global Opportunities Fund First State Global Resources Fund First State Regional China Fund First State Regional India Fund First State Singapore Growth Fund FTIF - Franklin Biotechnology Discovery Fund FTIF - Franklin High Yield Fund FTIF - Franklin Income Fund FTIF - Franklin Mutual Beacon Fund FTIF - Franklin U.S. Opportunities Fund FTIF - Templeton Asian Growth Fund FITF - Templeton China Fund FITF - Templeton Emerging Markets Balanced Fund FTIF - Templeton European Fund FTIF - Templeton Global Balanced Fund FTIF - Templeton Global Bond Fund FTIF - Templeton Global Equity Income Fund FTIF - Templeton Global Fund FTIF - Templeton Global Total Return Fund FTIF - Templeton Korea Fund FTIF - Templeton Latin America Fund Fullerton RMB Fixed Income Fund Fullerton SGD Income Fund Henderson Asia-Pacific Property Equities Henderson European Fund Henderson European Property Securities Fund Henderson Global Technology Fund Henderson Pacific Dragon Fund Legg Mason Western Asset Asian Opportunities Fund Legg Mason Western Asset Special Situations Trust Fund

Risk Rating As of 28 Sep 2012 4 2 4 4 2 4 4 4 3 4 4 4 4 4 4 4 4 3 4 3 4 4 4 3 4 3 4 4 4 4 4 4 3 4 4 4 4 4 4 4 3 2 4 4 3 4 4 3 3 4 4 4 4 4 3 4

Risk Rating As of 26 Mar 2012 4 2 4 4 2 4 4 4 3 4 4 4 4 4 4 4 3 4 3 4 4 4 3 4 3 4 4 4 4 4 4 3 4 4 4 4 4 4 3 2 4 4 3 4 4 3 4 4 4 4 4 3 4

UNIT TRUSTS
This document is meant to be informative and for general purposes only. It merely expresses the views and opinions held by DBS based on its current proprietary risk methodology and such views and risk methodology therein, are subject to change. DBS is not obliged to reveal or provide details on their internal risk methodology.

This document sets out the product risk rating of each product and does not constitute an offer, invitation, recommendation or solicitation of any action based upon it. Further, this document should not be viewed as identifying or suggesting all risks, direct or indirect, that may be associated with any investment decision and you should therefore not rely solely on this document when making your investment decision. This document does not take into account your individual needs, investment objectives and specific financial circumstances and investors should read the relevant offering documents in respect of each product and/or obtain separate legal or financial advice regarding the suitability of the product, having regard to their specific investment objectives, financial situation and particular needs before deciding to subscribe for or purchase any product.

Product Name Legg Mason Capital Management Value Fund Lyxor Trigger Express SGD Man Ahl Diversified Grnsy Man AHL Trend POSB InvestSteady Fund Schroder Active Strategies Portfolio Schroder Alternative Solutions Commodity Fund Schroder Alternative Solutions Gold and Precious Metals Fund Schroder Asian Bond Fund Schroder Asian Equity Yield Fund Schroder Asian Growth Fund Schroder Asian Income Fund Schroder Asian Premium Bond Fund Schroder BRIC Fund Schroder Emerging Market Fund Schroder European Equity Alpha Fund Schroder Global Emerging Market Opportunities Fund Schroder ISF Asian Bond Absolute Return Fund Schroder ISF Asian Equity Yield Schroder ISF Asian Total Return Fund Schroder Asian Total Return Fund S$ Schroder ISF BRIC Schroder ISF China Opportunities Fund Schroder ISF Emerging Markets Schroder ISF Emerging Markets Debt Absolute Return Schroder ISF Global Emerging Market Opportunities Schroder ISF Japanese Equity Alpha USD Schroder ISF Middle East Fund Schroder ISF Strategic Bond USD Schroder LiveSure 2025 Schroder Multi-Asset Revolution Schroder Singapore Trust Schroder Strategic Bond Fund UBS Absolute Return Plus Fund UBS(Lux)Eq Asian Consumption

Risk Rating As of 28 Sep 2012 4 2 4 4 3 4 4 4 2 4 4 4 2 4 4 4 4 2 4 4 4 4 4 4 3 4 4 4 2 4 4 4 2 4 4

Risk Rating As of 26 Mar 2012 4 2 4 4 3 4 4 4 2 4 4 4 2 4 4 4 4 2 4 4 4 4 4 3 4 4 4 2 4 4 4 2 4 4