There are no charges incur to you.

However, subject to Fund Manager’s adjustment the refund pursuant to the exercise of the cooling-off rights shall be:

1. If the original NAV is higher than the NAV at the point of request (market price), the market price; or

2. If the market price is higher than the original price, the original price; and

3. The sales charges imposed on the day the investment was made.

Please note that by exercising the cooling-off right, the amount refunded could be lower than your original investment or redemption proceeds.