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                                                              Investment Views from Managers
                                                               
                                                               

                                                              Risk & Return Level - For BCT Premier Pooled ORSO Retirement Plan

                                                              * Risk & Return Level
                                                              5 High The portfolio aims at achieving a high long-term return among portfolios available under BCT Premier Pooled ORSO Retirement Plan; its volatility is expected to be high.
                                                              4 Medium to High The portfolio aims at achieving a medium to high long-term return among portfolios available under BCT Premier Pooled ORSO Retirement Plan; its volatility is expected to be medium to high.
                                                              3 Medium The portfolio aims at achieving a medium long-term return among portfolios available under BCT Premier Pooled ORSO Retirement Plan; its volatility is expected to be medium.
                                                              2 Low to Medium The portfolio has a low to medium expected long-term return among portfolios available under BCT Premier Pooled ORSO Retirement Plan; its volatility is expected to be low to medium.
                                                              1 Low The portfolio has a low expected long-term return among portfolios available under BCT Premier Pooled ORSO Retirement Plan; its volatility is expected to be low.

                                                              The Risk & Return Level for each portfolio is assigned by BCT and subject to review at least annually. It is based on the corresponding portfolio’s volatility and expected return and is provided for reference only.

                                                              Some of the information contained herein including any expression of opinion or forecast has been obtained from or is based on sources believed by us to be reliable, but is not guaranteed and we do not warrant the adequacy, accuracy, reliability or completeness of such information obtained from or based on external sources. The information is given on the understanding that independent investment advice should be sought when making investment decisions; that it will not be relied on in the making of investment decision and that any person who acts upon it or otherwise changes his or her position in reliance thereon does so entirely at his or her own risk. This is not an offer to buy or sell or a solicitation or incitement of offer to buy or sell any securities referred to herein, save for BCT (MPF) Pro Choice, BCT (MPF) Industry Choice, BCT Premier Pooled ORSO Retirement Plan and their underlying constituent funds. It should also be appreciated that under certain circumstances the redemption of units/shares may be suspended. Investment involves, in particular, risks associated with investment in emerging and less developed markets. Please refer to the relevant prospectus for details. Past performance is not indicative of future performance.

                                                              Information contains on this webpage is for reference only. The views and opinions as expressed therein may vary as the market changes.

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