RISK OF DUAL CURRENCY RETURNS:

Dual Currency Returns is an investment that offers possible enhanced returns and involves a currency option which confers on OCBC Bank the right to repay the principal sum at maturity in either the base or alternative currency and part of all of the return earned on this investment represents the premium on this option. Please read the terms and conditions governing Dual Currency Returns carefully. You should have sufficient funds and/or the necessary liquidity to ensure you to hold Dual Currency Returns with OCBC Bank until its maturity date. Any forecast of the economy, stock market, bond market and economic trends of the markets, or any illustration of past performance of Dual Currency Returns or its underlying foreign currencies are not necessarily indicative of the future or likely performance of such Dual Currency Returns.Past performance of Dual Currency Returns is no guarantee of future resorts. It does not constitute a performance guarantee of a new Dual Currency Returns.

By purchasing Dual Currency Returns, you are giving OCBC Bank the right to repay you at a future date in an alternative currency that is different from the currency in which your initial investment was made, regardless of whether you wish to be repaid in this currency at that time .Dual Currency Returns are subject to foreign exchange fluctuations which may affect the return of your investment. You may incur a loss on your principal sum in comparison with the base amount initially invested.

Foreign exchange control restrictions may be imposed on the foreign currencies linked to your Dual Currency Returns. As a result, the principal and return of your Dual Currency Returns may be paid to you in an alternative currency and you may receive less than the principal amount initially invested, when the amount of this alternative currency is converted back to the base currency. You may be able to obtain information on foreign exchange control restrictions, if any, in respect of each foreign currency offered in relation to Dual Currency Returns, from the monetary, regulatory or other governmental authorities of the home jurisdiction of the respective foreign currency.

OCBC Bank will not terminate Dual Currency Returns prior to maturity. You may withdraw the principal or any part thereof prior to maturity. In such case, you will have to bear the applicable early withdrawal charges which are calculated based on prevailing market conditions such as strike price, foreign exchange rate, volatility of underlying foreign exchange pair and remaining tenor of Dual Currency Returns. As a result of such early withdrawal charges, you may incur a loss on the principal amount upon withdrawal. To find out the details on the procedures and charges applicable for early withdrawal of Dual Currency Returns, please approach our Relationship Manager.

The information provided herein is intended for general circulation and/or discussion purposes only. It does not take into account the specific investing objectives, financial situation or particular needs of any particular person. You may wish to seek advice from financial adviser outside OCBC Bank before making a commitment to purchase this product. In the event that you choose not to seek advice from financial adviser outside OCBC Bank, you should carefully consider whether this product is suitable for you. This does not constitute an offer or solicitation to buy or sell or subscribe for any security or financial instrument or to enter into a transaction or to participate in any particular trading or investment strategy.

No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.

The contents hereof are considered proprietary information and may not be reproduced or disseminated in whole or in part without the written consent of OCBC Bank.

In the event of discrepancy between Chinese and English material, the Chinese version shall prevail.