The twelfth-stage Deposit PLUS transaction-making period:
1 February 2005 – 31 March 2005*

The end of the deposit period - 31 March 2008

In the end of the deposit period You will get guaranteed annual interest of 0.5%, PLUS 15%* additional interest on Your deposit, if the price of the shares of the three well-known international corporations Hitachi Ltd., Astra Zeneca Plc and Time Warner Inc. on the 17th of March 2008 is the same or higher than the initial price by the end of the 5th of April 2005.

* The actual additional interest will be determined on the 5th of April 2005.

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