MASTER PROSPECTUS Investments that stand the test of time

1 Manager: cimb -Principal Asset Management Berhad (304078-K)Trustee:AmanahRaya Trustees Berhad (766894-T)HSBC (Malaysia) Trustee Berhad (1281-T)Maybank Trustees Berhad (5004-P)Universal Trustee (Malaysia) Berhad (17540-D)PB Trustee Services Berhad (7968-T)This MASTER PROSPECTUS is dated 30 June 2017, and incorporates the following 18 Funds namely:Equity Funds: cimb -Principal Equity Fund (constituted on 1 August 1995), cimb -Principal Equity Aggressive Fund 1 (constituted on 18 August 2004), cimb -Principal Equity Aggressive Fund 3 (constituted on 12 March 1998), cimb -Principal Equity Growth & Income Fund (constituted on 15 May 1991), cimb -Principal Equity Income Fund (constituted on 1 October 2003), cimb -Principal Small Cap Fund (constituted on 20 April 2004) and cimb -Principal KLCI-Linked Fund (constituted on 8 June 2000).

2 Mixed Asset Funds: cimb -Principal Balanced Fund (constituted on 12 March 1998), cimb -Principal Balanced Income Fund (constituted on 10 August 1995) and cimb -Principal Income Plus Balanced Fund (constituted on 12 March 1998).Fixed Income & Money Market Funds: cimb -Principal Bond Fund (constituted on 15 November 1995), cimb -Principal Strategic Bond Fund (constituted on 23 March 2004), cimb -Principal Deposit Fund (constituted on 8 July 2004) and cimb -Principal Money Market Income Fund (constituted on 18 February 2004).Regional & Global Funds: cimb -Principal Asian Equity Fund (constituted on 1 March 2006), cimb -Principal Australian Equity Fund (constituted on 20 March 2010), cimb -Principal China-India-Indonesia Equity Fund (constituted on 21 January 2010) and cimb -Principal Greater China Equity Fund (constituted on 12 June 2007).

3 INVESTORS ARE ADVISED TO READ AND UNDERSTAND THE CONTENTS OF THIS MASTER PROSPECTUS . IF IN DOUBT, PLEASE CONSULT A PROFESSIONAL ADVISER. FOR INFORMATION CONCERNING CERTAIN RISK FACTORS WHICH SHOULD BE CONSIDERED BY PROSPECTIVE INVESTORS, SEE RISK FACTORS COMMENCING ON PAGE PROSPECTUSI nvestments that stand the test of timeFORWARDYour Investmentsi ABOUT THIS DOCUMENT This is a MASTER PROSPECTUS that introduces you to cimb -Principal and its diverse range of conventional investment funds comprising equity funds, mixed asset funds, fixed income and money market funds as well as regional and global funds. This MASTER PROSPECTUS outlines in general the information you need to know to make an informed decision as to which Fund best suits your financial needs.

4 If you have any questions about the information in this MASTER PROSPECTUS or would like to know more about investing in the cimb -Principal family of unit trust funds, please call cimb -Principal Customer Care Centre at (03) 7718 3100 between 8:30 and 5:30 (Malaysian time), Mondays to Fridays (except on Selangor public holidays). Unless otherwise indicated, any reference in this MASTER PROSPECTUS to any rules, regulations, guidelines, standards, directives, notices, legislations or statutes shall be reference to those rules, regulations, guidelines, standards, directives, notices or legislations, statutes for the time being in force, as may be amended, varied, modified, updated, superseded and/ or re-enacted from time to time. Any reference to a time, day or date in this MASTER PROSPECTUS shall be a reference to that time, day or date in Malaysia, unless otherwise stated.

5 Reference to days in this MASTER PROSPECTUS will be taken to mean calendar days unless otherwise stated. Please note that all references to currency amounts and NAV per unit in this MASTER PROSPECTUS are in Malaysian Ringgit unless otherwise indicated. MASTER PROSPECTUS DETAILS Issue No. 21 PROSPECTUS Date 30 June 2017 RESPONSIBILITY STATEMENTS This MASTER PROSPECTUS has been reviewed and approved by the directors of cimb -Principal and they collectively and individually accept full responsibility for the accuracy of the information. Having made all reasonable enquiries, they confirm to the best of their knowledge and belief, that there are no false or misleading statements, or omission of other facts which would make any statement in this MASTER PROSPECTUS false or misleading.

6 STATEMENTS OF DISCLAIMER The Securities Commission Malaysia has authorised the Funds and a copy of this MASTER PROSPECTUS has been registered with the Securities Commission Malaysia. The authorisation of the Funds, and registration of this MASTER PROSPECTUS , should not be taken to indicate that Securities Commission Malaysia recommends the Funds or assumes responsibility for the correctness of any statement made, opinion expressed or report contained in this MASTER PROSPECTUS . The Securities Commission Malaysia is not liable for any non-disclosure on the part of cimb -Principal who is responsible for the Funds and takes no responsibility for the contents in this MASTER PROSPECTUS . The Securities Commission Malaysia makes no representation on the accuracy or completeness of this MASTER PROSPECTUS , and expressly disclaims any liability whatsoever arising from, or in reliance upon, the whole or any part of its contents.

7 INVESTORS SHOULD RELY ON THEIR OWN EVALUATION TO ASSESS THE MERITS AND RISKS OF THE investment . IF INVESTORS ARE UNABLE TO MAKE THEIR OWN EVALUATION, THEY ARE ADVISED TO CONSULT PROFESSIONAL ADVISERS. ADDITIONAL STATEMENTS Investors should note that they may seek recourse under the Capital Markets and Services Act 2007 for breaches of securities laws including any statement in the MASTER PROSPECTUS that is false, misleading, or from which there is a material omission; or for any misleading or deceptive act in relation to the MASTER PROSPECTUS or the conduct of any other person in relation to the Funds. ii DEFINITIONS Except where the context otherwise requires, the following definitions shall apply throughout this MASTER PROSPECTUS : Application Fee - Preliminary charge on each investment .

8 ART - AmanahRaya Trustees Berhad. ASEAN - Association of Southeast Asian Nations. BNM - Bank Negara Malaysia. Bursa Malaysia - Bursa Malaysia Securities Berhad. Business Day - Mondays to Fridays when Bursa Malaysia is open for trading, and/or banks in Kuala Lumpur and/or Selangor are open for business. Note: We may declare certain Business Days to be a non-Business Day for a Fund if the Fund s Investments in foreign markets (if any) which are closed for business or suspended, is at least 50% of the Fund s NAV. This information will be communicated to you via our website at Alternatively, you may contact our Customer Care Centre at (03) 7718 3100. cimb - cimb investment Bank Berhad. cimb Group - cimb Group Sdn. Bhd. cimb -Principal or the Manager - cimb -Principal Asset Management Berhad.

9 cimb -Principal (S) - cimb -Principal Asset Management (S) Pte. Ltd. cimb -Principal Fund(s) - Any unit trust funds that may be offered by cimb -Principal. CIS - Refers to collective investment Schemes as defined under the SC Guidelines. CMSA - Capital Markets and Services Act 2007. CWA - Refers to the unit trust consultants of cimb -Principal. Deeds - The principal deed and any supplemental deed in respect of the Funds made between us, the Trustee and the Unit holders of the Funds, agreeing to be bound by the provisions of the respective Deeds. Deposits - As per the definition of "deposit" in the Financial Services Act 2013 and "Islamic deposit" in the Islamic Financial Services Act 2013. Note: To exclude structured deposits. Distributor(s) - Any relevant persons and bodies appointed by cimb -Principal from time to time who are responsible for selling units of the Fund.

10 Eligible Market - A market which is regulated by a regulatory authority, operates regularly, is open to the public and has adequate liquidity for the purposes of the Fund. EPF - Employees Provident Fund. EPF-MIS - EPF s Members investment Scheme. EUR - Euro. Exchange-Traded Fund or ETF - An authorized collective investment scheme listed on the exchange. FBM 100 - FTSE Bursa Malaysia Top 100. Fitch - Fitch Ratings. FTSE - The Financial Times and the London Stock Exchange. Fund(s) - Refers to cimb -Principal Funds which are segregated into four different sections: SECTION 1: EQUITY FUNDS cimb -Principal Equity Fund cimb -Principal Equity Aggressive Fund 1 cimb -Principal Equity Aggressive Fund 3 cimb -Principal Equity Growth & Income Fund cimb -Principal Equity Income Fund cimb -Principal Small Cap Fund cimb -Principal KLCI-Linked Fund SECTION 2: MIXED ASSET FUNDS cimb -Principal Balanced Fund cimb -Principal Balanced Income Fund cimb -Principal Income Plus Balanced Fund SECTION 3: FIXED INCOME & MONEY MARKET FUNDS cimb -Principal Bond Fund cimb -Principal Strategic Bond Fund cimb -Principal Deposit Fund cimb -Principal Money Market Income Fund SECTION 4.