We have changed the product name.  Dual-currency deposits will be referred to as 'dual-currency investments'.  Thus, if we use the term 'dual-currency deposit' after the effective date of the amended Description, it means 'dual-currency investment'. The change of the product name will have no impact on the product service.

We have changed the document title to 'Description of Dual-Currency Investments and Investment Deposits' ('Transaction Description').

An early payment of interest on an investment deposit and an early partial withdrawal of a deposit will no longer be available. The client will be able to withdraw early only the entire deposit.

We have changed the catalogue of definitions used in the Transaction Description. We have deleted some definitions and added new ones.

We have introduced editorial and layout changes to make the document easier to understand, more reader-friendly and clearer.