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Third 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 Toyota Motor Corp, Microsoft Corp and British Petroleum Plc on the 15th of September 2005 is the same or higher than the initial price by the end of the 3rd of October 2003.

Sale pariod	1 August 2003 – 30 September 2003**
Maturity date	30 September 2005
Minimum deposit	1000 EUR
Deposit interest	Fixed annual interest 0.5%
Additional interest	PLUS 10%* additional interest
Reference shares	Toyota Motor Corp; Microsoft Corp; British Petroleum Plc.

Shares tied to the deposit

Toyota Motor Corp
Listed: Tokyo Stock Exchange.
Toyota Motor Corp is one of the largest companies in Japan and third largest cam manufacturer in the world. The company manufactures cars, trucks and busses all over the world. The most recognised brands of the company are Lexus, Daihatsu and Toyota. In March 2002 Toyota employed ca. 246,700 people worldwide and company markets its products in over 170 countries. Automotive business, including sales finance, accounts for more than 90% of the company's total sales, which came to a consolidated JP ¥15.1 trillion in the fiscal year 2003. Additional information: www.toyota.co.jp/en/index.html.

Microsoft Corp
Listed: New York Stock Exchange
Microsoft Corp is one of the largest companies in US and leading providers of computer software, service and Internet technology. The company has been founded in 1975 and its market cap is the second largest in US at the moment (market cap ca. US $300 bln). Microsoft employed ca. 50,600 people in 2002 and it has subsidiaries in 69 countries. Microsoft's turnover in 2002 was ca. $28,4 bln and net profit ca $7,8 bln. Additional information: www.microsoft.com.

British Petroleum Plc (BP)
Listed: Frankfurt Stock Exchange
BP is the largest company in Europe in terms of market cap (market cap ca. GB £22,3 bln ). BP is the leading producer, refiner and supplier of oil and petrochemical products. The company has been founded in 1901 and it employs ca. 115,000 people in over 24 countries. BP produces ca. 2 million barrels crude oil per day. BP's turnover in 2002 was ca. £106 billion and net profit ca. £5,3 billion. Additional information: www.bp.com.

* The actual additional interest will be determined on 3 October 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.