OPUS INCOME PLUS FUND
The fund seeks to achieve higher returns than Maybank 12-month fixed deposit rate over the medium to long term, while preserving capital* and providing an opportunity for income.
Note:
* Opus IPF is neither a capital guaranteed fund nor a capital protected fund.
Any material change to the investment objective of the Fund will require Unit Holders approval.
1. Bond Fund
2. Management Fee of Up to 0.85% per annum of the NAV of the fund
3. Trustee Fee of 0.025% per annum of the NAV of the fund, subject to a min of RM12,000 p.a.
4. No Sales Charge for online investment.
5. Fund Performance

a. Prospectus
b. Product Highlight Sheet
c. Terms and Conditions

OPUS MONEY PLUS FUND
The fund seeks to achieve higher returns than 1-month fixed deposit rate and to provide liquidity while preserving capital*.
Note:
* Opus MPF is neither a capital guaranteed fund nor a capital protected fund.
Any material change to the investment objective of the Fund will require Unit Holders approval.
1. Money Market Fund
2. Management Fee of Up to 0.35% per annum of the NAV of the fund
3. Trustee Fee of 0.025% per annum of the NAV of the fund, subject to a min of RM12,000 p.a.
4. No Sales Charge for online investment.
5. Fund Performance

a. Prospectus
b. Product Highlight Sheet
c. Terms and Conditions

OPUS SHARIAH INCOME PLUS FUND
The fund seeks to achieve higher returns than Maybank 12-month Islamic fixed deposit rate over the medium to long term, while preserving capital* and providing an opportunity for income.
Note:
* Opus SIPF is neither a capital guaranteed fund nor a capital protected fund.
Any material change to the investment objective of the fund will require Unit Holders' approval.
1. Sukuk Fund
2. Management Fee of Up to 0.85% per annum of the NAV of the fund
3. Trustee Fee of 0.025% per annum of the NAV of the fund, subject to a min of RM12,000 p.a
4. Shariah Compliant Fund
5. No Sales Charge for online investment.
6. Fund Performance

a. Prospectus
b. Product Highlight Sheet
c. Terms and Conditions

OPUS SHARIAH SHORT TERM LOW RISK ASSET FUND
The fund seeks to achieve higher returns compared to the benchmark over the short term* while preserving capital** by investing in sukuk issued or guaranteed by the government of Malaysia and/or Bank Negara Malaysia.
Note:
* Short term means a period of 1 to 3 years.
** Opus SSTLRAF is neither a capital guaranteed fund nor a capital protected fund.
Any material change to the investment objective of the fund will require Unit Holders' approval.
1. Sukuk Fund
2. Management Fee of Up to 0.20% per annum of the NAV of the fund
3. Trustee Fee of 0.025% per annum of the NAV of the fund, subject to a min of RM12,000 p.a
4. Shariah Compliant Fund
5. No Sales Charge for online investment.
6. Fund Performance

a. Prospectus
b. Product Highlight Sheet
c. Terms and Conditions

OPUS SHARIAH CASH MANAGEMENT PLUS FUND
The Fund aims to provide liquidity and regular income stream by investing in Islamic deposits with financial institutions in Malaysia.
Any material change to the investment objective of the Fund will require Unit Holders’ approval.
1. Money Market (Islamic) Fund
2. Management Fee of Up to 0.20% per annum of the NAV of the fund
3. Trustee Fee of 0.02% per annum of the NAV of the fund, subject to a min of RM12,000 p.a
4. Shariah Compliant Fund
5. Sales Charge up to 0.50% of the NAV per Unit.
6. Minimum initial investment: Class A - RM5k, Class B - RM50k
7. Minimum additional investment: Class A - RM1k, Class B - RM10k
8. Minimum holding units: Class A - 5k units, Class B - 50k units

a. Prospectus
b. Product Highlight Sheet
c. Terms and Conditions

Boost Your Savings with Opus Income Plus Fund – Campaign Terms and Conditions
1. Campaign Period: 8 December 2019 to 28 December 2019.

2. Retention Period: 8 December 2019 to 27 March 2020. This means investors shall retain all their investment up to 27 March 2020 in order to qualify for the RM500 worth of Units of Opus IPF.

3. Opus Asset Management Sdn Bhd’s (“OpusAM”) employees and their immediate family members (i.e. parents, spouse, children and/or siblings) are not eligible to participate in this Campaign.

4. Investors must ensure the accuracy of their personal information provided at the time of entry of this Campaign. Misrepresentations or omissions to any facts and/or personal information which are deemed to be material by OpusAM shall result in disqualification from this Campaign and/or the forfeiture, withdrawal or withholding of the prizes won.

5. “Units” shall have the same meaning as defined in Opus IPF’s Prospectus.

6. The Campaign Mechanics are as per the table below:

Subject	CAMPAIGN MECHANICS	CAMPAIGN MECHANICS
Prize/Reward	RM5 Boost Coins	RM500 worth of Units of Opus IPF
Fund	Opus IPF	Opus IPF
Eligibility	Subject to Opus Touch registration criteria at: https://touch.opusasset.com/	Subject to Opus Touch registration criteria at: https://touch.opusasset.com/
Type of Investors	New investors to OpusAM only.	New investors to OpusAM and Existing investors of OpusAM.
Minimum Entry Level/Investment	RM500* *subject to 2,000 new investors on a first come first serve basis only. Investors must key-in the invitation code: OpusAMBoostDec2019	RM500 = 1 entry ticket RM1,000 = 2 entry tickets RM1,500 = 3 entry tickets and so on.
Disqualification	Nil	Any withdrawals of investment during Campaign Period and Retention Period.
Notification of Winners	2,000 winners will be notified via their registered email on or before 15 January 2020.	5 winners will be announced on Opus Touch and/or OpusAM’s website on a weekly basis (every Friday) for 10 consecutive weeks; starting 3 January 2020 to 6 March 2020. Winners will be notified via their registered email. RM500 worth of Units of Opus IPF will be credited to the winners’ accounts on 27 March 2020 based on the net asset value of Opus IPF on the same day. Previous winners of this prize/reward will not be eligible for the remainder of this Campaign.

7. By participating in this Campaign, all winning investors agree and consent to allow OpusAM to use and publish their names and the last 4 digits of their identification numbers in media, marketing and/or advertising materials for the purposes of this Campaign without any additional compensation or prior notice.

8. Investors hereby consent to the use of their personal information in accordance with OpusAM’s Privacy Notice, which can be found at https://www.opusasset.com/privacy-notice/.

9. Any non-compliance with or breach of any of these Terms and Conditions at any stage may result in disqualification of the investors from the Campaign. OpusAM reserves the right to revise, change, modify, alter, suspend or vary any of these Terms and Conditions (wholly or in part) at any time without prior notice. Investors agree to be bound by these Terms and Conditions and may access the Opus Touch landing site to view these Terms and Conditions. Investors also agree to keep themselves up-to-date with any changes or variations to these Terms and Conditions.

10. OpusAM’s decision on all matters with regards to this Campaign is final and binding.

11. OpusAM reserves the right to substitute/change the Incentive(s) with a prize of equivalent value with sufficient prior notice provided either by email or through Opus Touch or OpusAM’s website by OpusAM.

12. In the event that there is suspicion of any element of tampering/ abuse/ cheating/ misconduct (collectively known as “Misconduct”) by investors or that these investors have benefited from the Misconduct, OpusAM reserves the right to disqualify and prohibit any and all entries by said investors for this Campaign and future campaigns.

13. OpusAM reserves the right to suspend or terminate this Campaign wholly or in part, with sufficient prior notice by posting in Opus Touch and/or OpusAM’s website as deemed appropriate by OpusAM. Any suspension or termination of the Campaign by OpusAM shall not entitle any investors to any claim or compensation against OpusAM for any and all loss or damage suffered or incurred by the investors whether directly or indirectly caused as a result of the act or suspension or termination of the Campaign.

Grow Your Angpaos with Opus Income Plus Fund – Campaign Terms and Conditions
1. This Campaign is organised by Opus Asset Management Sdn Bhd [199601042272 (414625-T)].

2. This Campaign shall run from 1 February 2020 (12.00 a.m.) to 15 February 2020 (11.59:59 p.m.), both dates inclusive.

3. Investors must ensure the accuracy of their personal information provided at the time of entry of this Campaign. Misrepresentations or omissions to any facts and/or personal information which are deemed to be material by OpusAM shall result in disqualification from this Campaign and/or the forfeiture, withdrawal or withholding of the benefit won.

4. “Units” and “Net Asset Value” shall have the same meaning as defined in Opus IPF’s Prospectus.

5. The Campaign Mechanics are as per the table below:

Subject	CAMPAIGN MECHANICS
Campaign Period	1 February 2020 (12.00 a.m.) – 15 February 2020 (11.59:59 p.m.)
Fund	Opus Income Plus Fund (“Opus IPF”)
Eligibility	a) Subject to Opus Touch registration criteria at: https://touch.opusasset.com/ b) New investors to OpusAM only. c) Minimum investment of RM200 payable via Boost e-wallet.
Cashback	RM8 cashback in Units of Opus IPF will be credited into your OpusAM’s investment account on T+3 (business days) based on the Net Asset Value of Opus IPF on the same day. Example a) 3 Feb 2020 (T business day) - Investor invested RM200. b) 6 Feb 2020 (T+3 business days) - RM8 cashback in Units of Opus IPF will be credited into investor’s investment account with OpusAM.

6. Investors hereby consent to the use of their personal information in accordance with OpusAM’s Privacy Notice, which can be found at https://www.opusasset.com/privacy-notice/.

7. Any non-compliance with or breach of any of these Terms and Conditions at any stage may result in disqualification of the investors from the Campaign. OpusAM reserves the right to revise, change, modify, alter, suspend or vary any of these Terms and Conditions (wholly or in part) at any time without prior notice. Investors agree to be bound by these Terms and Conditions and may access the Opus Touch landing site to view these Terms and Conditions. Investors also agree to keep themselves up-to-date with any changes or variations to these Terms and Conditions.

8. OpusAM’s decision on all matters with regards to the Campaign is final and binding.

9. OpusAM reserves the right to substitute/change the benefit with an equivalent value with sufficient prior notice provided either by email or through Opus Touch or OpusAM’s website by OpusAM.

10. In the event that there is suspicion of any element of tampering/abuse/cheating/misconduct (collectively known as “Misconduct”) by investors or that these investors have benefited from the Misconduct, OpusAM reserves the right to disqualify and prohibit any and all entries by said investors for this Campaign and future campaigns.

11. OpusAM reserves the right to suspend or terminate the Campaign wholly or in part, with sufficient prior notice by posting in Opus Touch and/or OpusAM’s website as deemed appropriate by OpusAM. Any suspension or termination of the Campaign by OpusAM shall not entitle any investors to any claim or compensation against OpusAM for any and all loss or damage suffered or incurred by the investors whether directly or indirectly caused as a result of the act or suspension or termination of the Campaign.

Stay Safe, Invest Smart with Opus Income Plus Fund (“Opus IPF”) and Opus Shariah Income Plus Fund (“Opus SIPF”) – Campaign Terms and Conditions
1. This Campaign is organised by Opus Asset Management Sdn Bhd ("OpusAM") [199601042272 (414625-T)].

2. Campaign Period: This Campaign shall run from 1 April 2020 (12.00 a.m.) to 15 April 2020 (11.59:59 p.m.), both dates inclusive.

3. Retention Period: 1st April 2020 to 30th June 2020. This means investors shall retain all their investments up to 30th June 2020 in order to qualify for the entry to stand a chance to win RM100 cashback worth of Units of the Fund.

4. For the avoidance of doubt, the employees of OpusAM are not eligible to qualify for the entry to stand a chance to win RM100 cashback worth of Units of the Fund.

5. Investors must ensure the accuracy of their personal information provided at the time of entry into this Campaign. Misrepresentations or omissions of any facts and/or personal information which are deemed to be material by OpusAM shall result in disqualification from this Campaign and/or the forfeiture, withdrawal or withholding of the prizes won.

6. “Units” shall have the same meaning as defined in the Opus IPF and Opus SIPF Prospectus, respectively.

7. The Campaign Mechanics are as per the table below:

Subject	CAMPAIGN MECHANICS	CAMPAIGN MECHANICS
Prize	RM8 cashback worth of Units of the Fund	Stand a chance to win RM100 cashback worth of Units of the Fund
Fund	Opus Income Plus Fund (“Opus IPF”) and Opus Shariah Income Plus Fund (“Opus SIPF”)	Opus Income Plus Fund (“Opus IPF”) and Opus Shariah Income Plus Fund (“Opus SIPF”)
Eligibility	Subject to Opus Touch registration criteria at: https://touch.opusasset.com/	Subject to Opus Touch registration criteria at: https://touch.opusasset.com/
Type of Investors	New investors to OpusAM only.	New investors to OpusAM and Existing investors of OpusAM.
Minimum Entry Level/Investment	RM500 *New investors must key-in the invitation code: SAVEWITHOPUSAM2020	New investors to OpusAM: RM500 Existing investors of OpusAM: RM100 Entry Ticket RM100 = 1 entry ticket RM200 = 2 entry tickets RM300 = 3 entry tickets and so on.
Payment Method	Via Boost payment only.	Via Boost payment only.
Disqualification	Nil	Any withdrawals of investment during Campaign Period and Retention Period. Note: For existing investor of OpusAM, disqualification of entry will apply only for withdrawal made on top up investment during Campaign Period and Retention Period. Example: New investor 1 April 2020 – Invested RM500; 10 April 2020 – Top up RM900; 8 May 2020 – Withdraw RM100; Result: Disqualify for the entry. Existing investor 31 March 2020 – Balance RM1000; 13 April 2020 – Top up RM2000; 15 May 2020 – Withdraw RM1100; Result: Disqualify for the entry due to amount withdraw is more than balance of RM1000 as at 31 March 2020.
Notification of Winners	Nil	a) 20 winners will be announced on Opus Touch and/or OpusAM’s website on 30 June 2020. b) Winners will be notified via their registered email. c) RM100 worth of Units of Opus IPF or Opus SIPF will be credited to the winners’ accounts on 30 June 2020 based on the Net Asset Value of Opus IPF or Opus SIPF on the same day. d) Each investor will only be entitled to one prize during the Campaign regardless of number of entry tickets made.
Payment in Units of Cashback	RM8 cashback in Units of Opus IPF or Opus SIPF will be credited into investor’s OpusAM investment account on the T+3 (business days) based on the Net Asset Value of Opus IPF or Opus SIPF on the same day. Example: a) 13 April 2020 (T business day) - Investor invested RM500. b) 16 April 2020 (T+3 business days) - RM8 cashback in Units of Opus IPF or Opus SIPF will be credited into the investor’s investment account with OpusAM.	RM100 cashback in Units of Opus IPF or Opus SIPF will be credited into investor’s OpusAM investment account on 30 June 2020 based on the Net Asset Value of Opus IPF or Opus SIPF on the same day.

8. By participating in this Campaign, all winning investors agree and consent to allow OpusAM to use and publish their names and the last 4 digits of their identification numbers in media, marketing and/or advertising materials for the purposes of this Campaign without any additional compensation or prior notice.

9. Investors hereby consent to the use of their personal information in accordance with OpusAM’s Privacy Notice, which can be found at https://www.opusasset.com/privacy-notice/.

10. Any non-compliance with or breach of any of these Terms and Conditions at any stage may result in disqualification of the investors from the Campaign. OpusAM reserves the right to revise, change, modify, alter, suspend or vary any of these Terms and Conditions (wholly or in part) at any time without prior notice. Investors agree to be bound by these Terms and Conditions and may access the Opus Touch landing site to view these Terms and Conditions. Investors also agree to keep themselves up-to-date with any changes or variations to these Terms and Conditions.

11. OpusAM’s decision on all matters with regards to the Campaign is final and binding.

12. OpusAM reserves the right to substitute/change the benefit with an equivalent value with sufficient prior notice provided either by email or through Opus Touch or OpusAM’s website.

13. In the event that there is suspicion of any element of tampering/abuse/cheating/misconduct (collectively known as “Misconduct”) by investors or that these investors have benefited from the Misconduct, OpusAM reserves the right to disqualify and prohibit any and all entries by said investors for this Campaign and future campaigns.

14. OpusAM reserves the right to suspend or terminate the Campaign wholly or in part, with sufficient prior notice by posting in Opus Touch and/or OpusAM’s website as deemed appropriate by OpusAM. Any suspension or termination of the Campaign by OpusAM shall not entitle any investors to any claim or compensation against OpusAM for any and all loss or damage suffered or incurred by the investors whether directly or indirectly caused as a result of the act or suspension or termination of the Campaign.

Save your Duit Raya for Times of Crisis – Campaign Terms and Conditions
1. This Campaign is organised by Opus Asset Management Sdn Bhd ("OpusAM") [199601042272 (414625-T)].

2. Campaign Period: This Campaign shall run from 30th May 2020 (12.00 a.m.) to 30th June 2020 (11.59:59 p.m.), both dates inclusive.

3. Retention Period: 30th May 2020 to 30th September 2020. This means investors shall retain all their investments up to 30th September 2020 in order to qualify for the entry to stand a chance to win up to RM800 worth of Units of the Fund.

4. The employees of OpusAM are not eligible to participate in this Campaign.

5. Investors must ensure the accuracy of their personal information provided at the time of entry into this Campaign. Misrepresentations or omissions of any facts and/or personal information which are deemed to be material by OpusAM shall result in disqualification from this Campaign and/or the forfeiture, withdrawal or withholding of the prizes won.

6. “Units” shall have the same meaning as defined in the Opus Income Plus Fund (“Opus IPF”) and Opus Shariah Income Plus Fund (“Opus SIPF”) Prospectus, respectively.

7. The Campaign Mechanics are as per the table below:

Subject	CAMPAIGN MECHANICS
Prize	Stand a chance to win the following prizes of up to RM800 worth of Units of Opus IPF or Opus SIPF respectively: - - 1st Prize = RM800 - 2nd Prize = RM500 - 3rd Prize = RM200 - 10 Consolation Prizes = RM50 each Prize A total of 13 prizes to be won.
Fund	Opus Income Plus Fund (“Opus IPF”) Opus Shariah Income Plus Fund (“Opus SIPF”)
Eligibility	Subject to Opus Touch registration criteria at: https://touch.opusasset.com/
Type of Investors	New and existing investors of OpusAM
Minimum Entry Level/Investment	New investors to OpusAM: RM1,000* New investors must key-in the invitation code: RAYAWITHOPUSAM20 Existing investors of OpusAM: RM1,000 (additional investment into your account in the respective Funds EXCLUDING switching) *Note: To be eligible for the entry ticket, each successful investment of every multiple RM500 (in a single transaction) will be assigned with ONE (1) entry ticket as per the following:- Entry Ticket RM500 = 1 entry ticket RM1,000 = 2 entry tickets RM1,500 = 3 entry tickets and so on. Example: 30th May 2020 - Invested RM1,400 20th June 2020 - Top up RM600 Entry Ticket: 3
Payment Method	Via FPX and Boost payment only.
Disqualification	Any withdrawals of investment during Campaign Period and Retention Period. Note: For existing investor of OpusAM, disqualification of entry will apply only for withdrawal made on top up investment during Campaign Period and Retention Period. Example: New investor 30th May 2020 – Invested RM1,000 15th June 2020 – Top up RM900 20th August 2020 – Withdraw RM100 Result: Disqualify for the entry due to withdrawal during Retention Period. Existing investor 29th May 2020 – Balance RM1,000 30th May 2020 – Top up RM2,000 15th September 2020 – Withdraw RM1,100 Result: Disqualify for the entry due to amount withdrawn is more than the balance of RM1,000 as at 29th May 2020.
Notification of Winners	a) 13 winners will be announced on Opus Touch and/or OpusAM’s website on 1st October 2020. b) Winners will be notified via their registered email. c) Each investor will only be entitled to one prize during the Campaign regardless of number of entry tickets made.
Payment in Units of Opus IPF or Opus SIPF respectively	Each prize worth of Units of Opus IPF or Opus SIPF will be credited into investor’s OpusAM investment account on 1st October 2020 based on the Net Asset Value of Opus IPF or Opus SIPF on the same day.

8. By participating in this Campaign, all winning investors agree and consent to allow OpusAM to use and publish their names and the last 4 digits of their identification numbers in media, marketing and/or advertising materials for the purposes of this Campaign without any additional compensation or prior notice.

9. Investors hereby consent to the use of their personal information in accordance with OpusAM’s Privacy Notice, which can be found at https://www.opusasset.com/privacy-notice/.

10. Any non-compliance with or breach of any of these Terms and Conditions at any stage may result in disqualification of the investors from the Campaign. OpusAM reserves the right to revise, change, modify, alter, suspend or vary any of these Terms and Conditions (wholly or in part) at any time without prior notice. Investors agree to be bound by these Terms and Conditions and may access the Opus Touch landing site to view these Terms and Conditions. Investors also agree to keep themselves up-to-date with any changes or variations to these Terms and Conditions.

11. OpusAM’s decision on all matters with regards to this Campaign is final and binding.

12. OpusAM reserves the right to substitute/change the Incentive(s) with a prize of equivalent value with sufficient prior notice provided, either by email or through Opus Touch or OpusAM’s website.

13. In the event that there is suspicion of any element of tampering/abuse/cheating/misconduct (collectively known as “Misconduct”) by investors or that these investors have benefited from the Misconduct, OpusAM reserves the right to disqualify and prohibit any and all entries by said investors for this Campaign and future campaigns.

14. OpusAM reserves the right to suspend or terminate this Campaign wholly or in part, with sufficient prior notice by posting in Opus Touch and/or OpusAM’s website as deemed appropriate by OpusAM. Any suspension or termination of the Campaign by OpusAM shall not entitle any investors to any claim or compensation against OpusAM for any and all loss or damage suffered or incurred by the investors whether directly or indirectly caused as a result of the act or suspension or termination of the Campaign.