BankMuscat Expat Services department does not offer any advice on specific stocks, mutual funds, any other investment products, insurance products and the like. The investments are not bank deposits or bank insured, are not obligations of or guaranteed by BankMuscat S.A.O.G (the bank) or any of affiliates or subsidiaries. The investor will not hold the bank or its employees responsible for any losses that you may suffer in connection with the investments. Past performance is not a guarantee of future performance. Mutual Funds are subject to Market Risks. Please read the offer document carefully before investing. This guide does not purport to be an offer, invitation or solicitation of any kind. This report is provided for information purposes only. The report is based on information generally available and is deemed reliable but no assurance is given as to its accuracy or completeness. BankMuscat (SAOG) is not accountable for any decision based on the contents of this report. The investor will indemnify BankMuscat and its officers, employees and staff against any loss or damage or other liabilities (including costs), which they may suffer as a result of reliance on such reports. Neither the information nor the opinions contained are to be construed as an offer to buy and sell securities mentioned above. This report is not to be relied upon in substitution for the exercise of independent judgment. Investors should judge the suitability of the securities to their needs.