| Investment PDFs: |
 | SBM Caylon 5 Year USD Step Up Note US Dollar Step Up Bond 3.005 to 3.60% New bond issue in USD issued by CAYLON AA- 5 Years Step Up 3.00% to 3.60%
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 | Erste Bank Step Up Floored Floater Euro 6 years Maturity 100% Min. coupon steps up from 2.25% to 3.5% |
 | New Bond Issues January 2009 |
 | Erste Group Bank Memory Floater EUR 5 Years Quarterly Interest Payments 1st Coupon: 2.00% p.a. Next Coupon: 3 mths EURIBOR plus 75 basis points (0.75%) If 3 mths EURIBOR plus 0.75% is less than the previous coupon, then the previous coupon will be paid. |
 | Euro Savings Step-Up Bond EUR 3 Years Quarterly Interest Payments Coupon 1 Year 3.00% p.a. 2 Year 3.15% p.a. 3 Year 4.00% p.a. |
 | Erste Bank Best Garant Rohstoff EUR 5 Years 100% Capital guaranteed Minimum Coupon 3.3% p.a. Earnings up to 6.3% p.a. Linked to basket of 20 commodity stocks |
 | Erste Group Bank AG Guaranteed Note 2012 EUR 3 Years Fixed 3.00% p.a. paid annually Guaranteed by the Republic of Austria |
 | Coupon Seeker - Ser. 1 6.00% Credit Linked Note 100% Capital Guaranteed if held to maturity by Societe Generale Euro 6.00% Fixed Coupon p.a. Credit linked to ArcelorMittal, the world's number one steel company Interest is paid Quarterly Term 2009/2016 |
 | USDollar Bonus Note 100% Capital Guaranteed USD 3 Year 100% Capital Guaranteed Interest will accrue @ 3% p.a. in the 1st year In years 2 & 3 interest will also accrue @ 3% p.a as long as the USD 6 Months Libor rate remains within the range [0.00% - 4.00%] |
 | Africa Max Alternative Fund Euro 2008-2015 80% capital guarantee 100% participation in the Maximum Africa Alpha Fund. |
 | Erste Bank 5.125% Bond Euro 2008-2016 Minimum coupon 5.125% per annum 5.125% coupon or 6 months EURIBOR whichever is the greater up to 7% |
 | Agriculture Index Certificate Euro 2008-2010 100% capital guaranteed 80% participation linked to GS US Agriculture Excess Return SPGSAGP Index |
 | Euro Galaxy II - 2008 Euro 2008-2009 (18 months) 104% capital guaranteed or absolute performance of underlying basket of stocks |
 | 102% Metal/Agri Gainer - 2008 Euro 2008-2009 (18 months) 102% capital guaranteed plus 12% potential bonus. Underlying Wheat, Soyabean, LME Copper, LME Aluminium |
 | Maxi Bank Bonus USD - 2008 US Dollar 2008-2011 (3 years) 100% capital guaranteed 9%, 18%, or 27% bonus Underlying bank stocks: HSBC, Nomura, JPMorgan, Citi. |
 | Maxi Sprinter 107.25% 100% capital protected 7.25% minimum guaranteed return over the period 2 Yr term EURO This investment allows you to profit from the falling values of stocks too. Uncapped returns linked to the absolute performance of a basket of stocks. |

| EURO 18 months Fixed Coupon 5.00% p.a. |
 | Euro Galaxy V 2008-2010 - 108% capital guaranteed 8% minimum return Earnings are based on a basket of 25 international stocks |
 | 6.10% Erste Bank Bond 2008-2013 |
 | Erste Bank Geldmarkt Floater 2008-2011 Coupon is equal to 3 months EURIBOR 0.3% p.a. |
 | Structured Credit Note Euro 3 years subject to there being no credit event 8% p.a. fixed coupon Investment in German companies |