BONDS Fixed income for your investment! Bonds are debt security consist of statement of debt from debtor to creditor, including agreement to pay off the principal with its coupons in a pre-determined time. TYPE OF SERVICE Commonwealth Bank offers service to buy and sell bonds in primary and secondary market in various series with IDR, EUR and USD currency. BENEFIT Obtain fixed income in the form of regular coupons Potential capital gain on price appreciation Relatively safe since government bond is guaranteed by government RISK Market Risk Risk of changes in interest rate: when interest rate increases, bonds price would depreciate and investors might suffer potential capital loss. Credit Risk Risk that the issuer might not fulfill its obligation (default). Liquidity Risk Risk that may arise when the bond cannot be sold in secondary market. TERMS & CONDITIONS FOR MUTUAL FUND SUBSCRIPTION Age between 21-60 years old or married Have an active Commonwealth Bank account Read and understand the product information, with terms and conditions for the related product Fill in Risk Profile Questionnaire and Transaction Form Call CommBank can be accessed through 1500030 or (6221) 2935 2935 for international access. We serve customer 24 hours a day 7 days a week (including public holiday). FEE & CHARGES Transaction Fee - there is no transactional fee for foreign exchange transaction, only a spread between buy and sell (bid and offer) price. Safekeeping Fee in Custodian Bank - for customers who invest in bonds after 1 year, the fee will be charged according to terms and conditions. DISCLAIMER: Bonds is a product of capital market and not the Bank product, hence it is not guaranteed by Bank and not included in savings guarantee program. Investment in bonds has risks, including reduction/loss of principal. Bonds prices might change in accordance with market conditions.