Offer 1：Preferential Time Deposit Interest Rate

Offer 2：Year of the Rabbit Red Packet
Year of the Rabbit Red Packet worth up to HK$10,000^4,5

Offer 3：Currency Exchange Offer⁶

Extra Offers⁷: RMB Service Offer
Wealth Management customers who set up the Exchange Express instruction of exchanging for RMB40,000 or above can enjoy HK$50 supermarket coupon.

Offers are available on a first-come-first-served basis. Act now!
Offers valid from now until 28 February 2011

General Terms and Conditions:

• The interest rate offer listed in this promotional material is for reference only. The actual interest rates will be subject to the quotes by the Bank from time to time. The preferential interest rate offer mentioned above is a one-off privilege for each Eligible Time Deposit and subsequent renewal of time deposits will be subject to the rate as quoted by the Bank from time to time.
• The number of supermarket coupon is limited and the supermarket coupons are available on a first-come-first-served basis and while stock lasts. The supermarket coupons cannot be transferred, returned, exchanged or redeemed for cash.
• Usage of the supermarket coupons is subject to the terms and conditions stipulated by the supplier. The Bank is not the supplier of the supermarket coupons. If the customers have any enquiry or complaint regarding the coupons, the customers should contact the coupon supplier directly. The Bank gives no guarantee to the quality of goods and services and does not accept any responsibility for any liability arising in conjunction with the use of any goods or services provided by the suppliers. The Bank will not be responsible for the loss or defacement of the supermarket coupons and no replacement coupons will be granted.
• The above offers cannot be used in conjunction with other promotional offers that are not listed in this promotional material. For details of the above services, promotional offers, relevant terms and conditions, please contact the Bank staff.
• The Bank reserves the right to change, suspend or terminate the offer or to amend the terms and conditions at its sole discretion without prior notice. All matters and disputes will be subject to the final decision of the Bank.
• In case of discrepancy(ies) between the Chinese and English versions of this promotion material, the Chinese version shall prevail.

Risk Disclosure:

RMB / Foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB / foreign currency may result in losses in the event that the customer converts RMB / foreign currency into Hong Kong dollars or other foreign currencies.

RMB is currently not fully freely convertible and conversion of RMB through banks is subject to a daily limit. Customers should allow time for exchange of RMB from/to another currency of an RMB amount exceeding the daily limit.