The gross performance (BVI method) takes into account all costs incurred at fund level (e.g. management fees), while the net performance also takes into account the front-end load incurred at investor level. An exemplary investment amount of would result in the following costs in addition to the costs incurred at fund level: Initial sales charge on the initial sales price once upon purchase, currently . Additional costs may be incurred at investor level (e.g. custody account costs), which are not included in the presentation. Please refer to the price list of your custodian bank. Past performance is not a reliable indicator of future performance. In the case of foreign currencies, the return may rise or fall as a result of currency fluctuations and/or costs incurred in hedging currency risks.

* includes front-end load