Manulife Global Select (MPF) Scheme

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*For Standard Chartered customers who set up MPF account with Manulife with Global Select Scheme

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- *For Standard Chartered customers who set up MPF account with Manulife with Global Select Scheme

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This link will bring you to a third party website, owned and operated by an independent party over which we have no control ("3rd Party Website"). Any link you follow to or from the 3rd Party Website will be at your own risk. Any use of the 3rd Party Website will be subject to, and any information you provide will be governed by, the terms of the 3rd Party Website, including those relating to confidentiality, data privacy and security.

Unless otherwise expressly agreed in writing, Manulife (International) Limited and its affiliates (collectively "Manulife") are not in any way associated with the owner or operator of the 3rd Party Website or responsible or liable for the goods and services offered by them or for anything in connection with such 3rd Party Website. Manulife does not endorse or approve and makes no warranties, representations or undertakings relating to the content of the 3rd Party Website.

In addition to the terms stated in Manulife's Legal Notices, Manulife disclaims liability for any loss, damage and any other consequence resulting directly or indirectly from or relating to your access to the 3rd Party Website or any information that you may provide or any transaction conducted on or via the 3rd Party Website or the failure of any information, goods or services posted or offered at the 3rd Party Website or any error, omission or misrepresentation on the 3rd Party Website or any computer virus arising or system failure associated with the 3rd Party Website.

In the event of any inconsistency between the terms herein / the Manulife's Legal Notices and the terms on the 3rd Party Website, the terms herein / the Manulife's Legal Notices will prevail.

Manulife reserves the right to approve any hyperlink or framing arrangement with third parties and no links to or framing arrangements of our Manulife Home, Group or related sites should be created prior to confirmation of such approval from Manulife. In the absence of such approval, Manulife reserves the right to prevent direct access to visitors who have been directed to Manulife via links from sites that it reasonably believes have not been approved in this way.

If you have any questions with regard to this message, please call our Manulife MPF Member Hotline 2108 1388 or Employer Hotline 2108 1234.

By clicking "Proceed", you will be confirming that you have read and agreed to the terms herein and in the Manulife's Legal Notices.

The risk class

Risk class

A risk class is to be assigned to each constituent fund according to the seven-point risk classification below based on the latest risk indicator of the constituent fund. The risk class is prescribed by the Mandatory Provident Fund Schemes Authority (“MPFA”) according to the Code on Disclosure for MPF Investment Funds and the risk class has not been reviewed or endorsed by the Securities and Futures Commission (“SFC”).

Risk class		1	2	3	4	5	6	7
Risk indicator	Equal or above	0.0%	0.5%	2.0%	5.0%	10.0%	15.0%	25.0%
Risk indicator	Less than	0.5%	2.0%	5.0%	10.0%	15.0%	25.0%

Risk Class	Risk Indicator
Risk Class	Equal or above	Less than
1	0.5%	0.5%
2	0.5%	2.0%
3	2.0%	5.0%
4	5.0%	10.0%
5	10.0%	15.0%
6	15.0%	25.0%
7	25.0%

A risk class is to be assigned to each constituent fund according to the seven-point risk classification below based on the latest risk indicator of the constituent fund. The Risk Indicator shows the annualized standard deviation based on the monthly rates of return of the fund over the past 3 years, and correct to 2 decimal places. Generally, the greater the annualized standard deviation, the more volatile/risky the constituent fund. The Risk Indicator for the constituent fund will be available 3 years after its launch date.

The risk class is prescribed by the Mandatory Provident Fund Schemes Authority (“MPFA”) according to the Code on Disclosure for MPF Investment Funds and the risk class has not been reviewed or endorsed by the Securities and Futures Commission (“SFC”).

Issued by Manulife (International) Limited (Incorporated in Bermuda with limited liability).

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Standard Chartered Bank (Hong Kong) Limited is a distributor of the MPF scheme, a product of Manulife (International) Limited (Incorporated in Bermuda with limited liability). Other than being a distribution partner, Standard Chartered Bank (Hong Kong) Limited or any member of Standard Chartered Group have no affiliation with key parties connected with the operation of the MPF Scheme.