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First Stage Deposit PLUS

In the end of the deposit period You will get guaranteed annual interest of 0.5%, PLUS 10%* additional interest on Your deposit, if the price of the shares of the three well-known international corporations Nike Inc, Canon Inc. and Coca-Cola Company on the 17th of May 2005 is the same or higher than the initial price by the end of the 4th of June 2003.

Sale pariod	30 April 2003 – 30 May 2003**
Maturity date	31 May 2005
Minimum deposit	1000 EUR
Deposit interest	Fixed annual interest 0.5%
Additional interest	PLUS 10%* additional interest
Reference shares	Nike Inc; Canon Inc.; Coca-Cola Company.

Shares tied to the deposit

Coca-Cola Company, Stock Exchange located in New York, USA. The company established in 1886. Company's turnover for 2002 reached up to 20 billion US dollars, number of employees to 38 thousand. More information: www.coca-cola.com.

Canon Inc., Stock Exchange located in Tokyo, Japan. Company established in 1937. Turnover of the company for year 2002 reached up to 1790 billion Yen, number of employees was 21 thousand. More information: www.canon.com.

Nike Inc., Stock Exchange located in New York, USA. Company established in 1972. Turnover of the company for year 2002 reached up to 10 billion US dollars, number of employees to 22 thousands. More information: www.nike.com.

* The actual additional interest will be set on 4 June 2003, and will fall between 8% and 12%.

** Deposit PLUS will be updated every two months. This will give possibility to put Your money repeatedly into deposits, that are tied to the shares of different companies.