201cAcc 201d and 201cDis 201d are abbreviations of the words 201cAccumulation 201d and 201cDistribution 201d, which denote classes of the fund. Accumulation funds do not distribute dividends. Instead, all income and interest attributable to this Class will be accumulated and reflected in the price (NAV) of the units of the Class. Distribution funds distribute dividends either by cash payout or by reinvesting back into the fund. Transactions where distributions are in the form of cash, they will be re-invested to the same fund by default. The dividends will be reinvested in the form of additional units in your relevant holdings. If you prefer to have your dividends paid out in cash, you may choose the dividend payout option in POEMS 2.0 or POEMS Mobile 3 App when you subscribe to the fund online. If you do not wish to transact through POEMS 2.0 or wish to change your existing dividend options, please fill in this form. Dividend Instruction Form U61