PORTFOLIO NAME

INVESTMENT OBJECTIVE

RISK RATING

PORTFOLIO MIX

PAMS CLASSIQUE

Ø        Investor desires guaranteed return

Ø        Investor cedes full discretion to ISL

N/A

Subject to ISL discretion.

PAMS PREMIUM

Ø        Investor desires  capital appreciation/ growth and returns

Ø        Willing to take the accompanying high level of risk

High

Equity Investments (quoted) : 65% - 70%

Fixed Income securities : 20% - 30%

Real Estate : 0% - 15%

PAMS OPTIMUM

Ø        Investor desires a mix of steady or periodic income and capital appreciation/

        growth.

Ø        Moderate level of risk preferring to preserve investment capital

Medium/Moderate

Equity Investment : 50%

Fixed Income Securities : 50%

PAMS REGULAR

Ø        Investor desires steady or periodic income, preferring to preserve investment capital and take advantage of appreciation/growth where possible.

Ø        Unwilling to take high risks.

Low

Fixed Income Securities: 70%

Equity Investment: 30%

PAMS FLEXI

Ø        Investors with  a strong desire to have specific assets or securities in certain sector(s) included in, or excluded from asset mix or stock selection due to personal religious, ethical or moral considerations e.g. unwilling to hold alcohol or tobacco equities or aversion to interest income.

Ø        Willing to take risks arising from restrictions in asset/stock selection and investment mix.

High / Very High

Equity Investments: 100%

Fixed Income Securities:

Optional