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Selected Investment Products -- Current Offerings

Capital Protected Investment Deposit Plus

Name	Code	Currency	Tenure	Sales Date	Risk Rating*
Capital Protected Investment MSCI Taiwan Index Linked	IN9A17	RMB	2 years	14 July 2008 to 5 Sep 2008	1
Capital Protected Investment MSCI Taiwan Index Linked	International investment--Investment return is linked to the performance of a MSCI Taiwan Index Linked. Capital protection--100% capital protection upon maturity Participation Rate--Indicative at 40%, subject to final determination by the Calculation Agent at its sole discretion to be within the range of 30% (inclusive) – 50% (inclusive) Redemption Amount at Maturity--Principal Amount x [ 100% + (Participation Rate x Average Performance Rate) ] Participation Rate--Indicative at 50%, subject to final determination by the Calculation Agent at its sole discretion to be within the range of 40% (inclusive) – 60% (inclusive) Average Performance Rate--The arithmetic average of the Index Performance Levels on the Valuation Dates as determined by the Calculation Agent. Index Performance Level--With respect to a Valuation Date, means the Index Performance floored at the previous retained Index Performance Level, subject to a minimum of zero. Final Index Level--In respect of a Valuation Date, the official closing level of the Index on that Valuation Date, as determined by the Calculation Agent. Initial Index Level--The official closing level of the Index on the Strike Date (subject to “Consequences of Disrupted Days” as set out below), as determined by the Calculation Agent. Valuation Date--The date falling 3 months after the Strike Date and quarterly thereafter, or if any such date is not a Scheduled Trading Day in respect of the Index, the immediately following Scheduled Trading Day (subject to “Consequences of Disrupted Days” as set out below). Final Valuation Date--The day which is 24 months from the Strike Date, or if such day is not a Scheduled Trading Day in respect of the Index, the next succeeding day that is a Scheduled Trading Day for the Index, subject to "Consequences of Disrupted Days" below. The Final Valuation Date is currently expected to be on or about 8 Sep 2010.
Name	Code	Currency	Tenure	Sales Date	Risk Rating*
Deposit Plus	---	USD, HKD, AUD, CAD, EUR, GBP, JPY, SGD	1 Week-1 Month	Always Available	2
Deposit Plus	A unique form of time deposit linked with a foreign currency Allows you to earn time deposit interest and an option premium at the same time Offers you both high return potential and the ability to meet your foreign currency requirements Deposit Plus offers you the opportunity to earn potentially high returns, even when interest rates are low Deposit Plus is especially beneficial when foreign currency fluctuation is low or the linked currency is expected to appreciate moderately in your investment period Deposit Plus allows you to diversify your foreign currency investment portfolio Deposit Plus enables you to meet your foreign currency requirement in the short term, whilst earning a potentially high return

*Risk Rating - Risk Rating 1 is Low, 5 is high.

Customer Risk Appetite	Secure	Cautious	Balanced	Adventurous	Speculative
Risk Level of Applicable Investment Products	1	1-2	1-3	1-4	1-5

Risk Disclosure

Capital protected investment product entails investment risks. Investor will only retain return on the product as per the express stipulation of applicable terms and conditions. Investors should fully understand the investment risk and act prudently in making the investment decision. This product should not be treated as a normal term deposit or a substitute there of. Investors should be prepared to take the risk of earning a comparatively low return or even no return on the money invested.

Deposit Plus is high risk investment product. Your principal may be lost as a result of the fluctuation of marketing conditions. You should fully understand the investment risk and act prudently in making the investment decision. The net return in relation to Deposit Plus will depend upon market conditions prevailing at the deposit fixing time on the deposit fixing date. You must be prepared to incur loss as a result of depreciation in the value of the currency paid. Such loss may offset the interest and option premium earned on the deposit and may even result in losses in the principal amount of the deposit. If you have any concerns about this product, you should consult your professional financial advisers.

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