THE GOLD DEPOSIT ACCOUNT ('GDA') IS NOT A PRINCIPAL PROTECTED PRODUCT NOR AN INTEREST BEARING ACCOUNT. THE RETURNS ON THE GDA DEPENDS ON GOLD PRICE FLUCTUATIONS, THE RETURNS ON YOUR INVESTMENT IN GOLD ARE UNCERTAIN AND YOU RISK EARNING NO RETURNS AND/OR THE POSSIBILITY OF INCURRING LOSSES. YOU ARE ADVISED TO READ AND UNDERSTAND THE CONTENTS OF THE GOLD DEPOSIT ACCOUNT AGREEMENT AND OPEN THE GDA BASED ON YOUR OWN JUDGMENT AND/OR INDEPENDENT ADVICE OBTAINED. THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA (PIDM)