Denny Insurance Company Kuching Sarawak Malaysia

We understand that everyone has a different view on how they want to invest their hard-earned money. Especially in a diverse culture such as Malaysia, we understand that investment needs can sometimes extend beyond mere levels of risk-return and investment horizons. Which is why we are pleased to offer two new funds that cater to investors who are sensitive to Syariah requirements or those who just want an alternative form of investment.

Al-islah

(�Islah" means "improvement�)

This is an income fund that seeks to provide a stable income stream and an opportunity for capital appreciation.

Al-ilham

("llham" means "inspiration")

This is an equity fund that seeks high capital appreciation from investments, which have the potential of substantial value appreciation.

The benefits of the Al-islah and Al-ilham

Adherence to Syariah Principles

The Funds invest in investments that adheres strictly to the Syariah Principles. Moreover, we are guided and monitored by a panel of experienced Islamic advisors from the Islamic Banking and Finance Institute Malaysia Sdn Bhd (formerly known as BIMB Institute of Research and Training Sdn Bhd).

Professional and Experienced Investment Managers

The Funds are managed by our experienced fund management team that ensures the Funds' investment strategies remain consistent with their respective objectives. Our fund managers have an added advantage by being able to leverage on the expertise and share investment ideas with our foreign counterparts around the globe. And with this backing of a global network, we have at our disposal expertise that spans 150 years.

Affordable investment amounts

The Funds allow you to draw on the expertise of professional fund managers for a minimum initial investment of only RM1,000. Subsequent investments can be made at only RM 100.

Flexible investment options

There are several ways you can invest:

�� A single lump sum amount,

�� Regularly through cash payments, post-dated cheques or direct debit from��

�� the banks

Zakat payments

For the convenience of our Muslim Unit Holders, we provide a zakat payment service to value-add your investment with us. This service is currently available for the First Holder of Al-islah and Al-ilham.

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The Funds at a Glance
�Funds in the Islamic Trust	Al-ilham	Al-islah
�GENERAL INFORMATION��
�Trustee	�HSBC (Malaysia) Trustee Berhad
�Syariah Advisor	�Islamic Banking and Finance Institute Malaysia Sdn Bhd � �(formerly known as BIMB Institute of Research and Training Sdn Bhd)
�Fund Category / Type	�Islamic Equity I Growth	�Islamic Balanced / Income
�Risk Barometer	�Moderate to High	�Low to Moderate
�FEES & CHARGES
�Sales Charge	�5% of Selling Price�	�5% of Selling Price�
�Annual� Management Fee	�1.5% on Gross Net Asset Value of �the Fund calculated on a daily basis	�1.5% on Gross Net Asset Value of �the Fund calculated on a daily basis
�Annual Trustee Fee	�0.07% on Gross Net Asset Value of �the Fund calculated on a daily basis, �subject to a minimum of RM18,000 �and a maximum of RM350,000 per � �annum	�0.07 % on Gross Net Asset Value of �the Fund calculated on a daily basis, �subject to a minimum of RM18,000 �and a maximum of RM350,000 per �annum
�Investors are advised to consider the fees and charges before investing in the Funds
�TRANSACTIONS
�Minimum Initial Investment	�RM1,000 or such amount as the Manager may from time to time decide.
�Minimum Additional Investment	�RM100 or such amount as the Manager may from time to time decide.
�Initial Selling Price	�RM0.5000 per Unit during the 21-day Initial Offer Period
�Initial Offer Period	�The period of 21 days from the date of the first Prospectus �(i.e. 14 August 2002 to 3 September 2002)
�Minimum Redemption	�Nil		�Nil
�OTHER BENEFITS
�Zakat Payment Service	�Available for First Holder