Strictly Private & Confidential HIGH YIELD EQUITY-LINKED INVESTMENT (HY ELI) Grow Your Investments for Higher Returns Arranger Calculation Agent Manager Issuer

Strictly Private & Confidential RISK STATEMENT WARNING THIS IS A STRUCTURED PRODUCT. THIS INVESTMENT IS LINKED TO THE PERFORMANCE OF ONE OR MORE MARKET PRICES, RATES, INDICES, SECURITIES AND OTHER FINANCIAL INSTRUMENTS THAT INTRODUCE SIGNIFICANT RISK THAT WILL AFFECT THE PERFORMANCE OF THIS INVESTMENT 1

Strictly Private & Confidential TABLE OF CONTENTS 2 o Introduction o Key Features General Terms Trading/Settlement Timeline o Procedures o Benefits o Potential Investors o Risk Statement o Contact Persons

Strictly Private & Confidential INTRODUCTION HY ELI is a structured product issued by Bumiputra-Commerce Bank Berhad (the Issuer or BCB). It has been approved by Bank Negara Malaysia and Securities Commission of Malaysia The tenure of HY ELI is between one (1) and six (6) months. 4 HY ELI is an investment product that uses an individual security price or a basket of security prices as the Underlying Reference Asset. HY ELI is marketed to Investors who: (a) have existing equity investments; and (b) want to earn high yield on their equity investments and potential capital gain. 3 Depending on the Reference Asset Price of the Underlying Reference Asset at maturity, you can earn high interest returns in the form of cash or accept the repayment in the form of shares plus interest.

Strictly Private & Confidential KEY FEATURES 4 General Terms Issuer: Underlying Reference Asset: PLUS Trade Date: 3-Jan-06 Payment Date, PD: 3-May-06 Maturity Date: 29-Jun-06 Final Settlement Date, FSD: 4-Jul-06 Initial Reference Asset Price: Strike Price: Subscription Amount : Reference Asset Price (RM): Yield to Maturity: Investment Amount: Shares Amount: Redemption Amount: RM3.15 RM300,000 RM ,000 shares RM % per annum RM300,000 If Reference Asset Price Strike Price at maturity, the Redemption is: = (Shares Amount x Strike Price) + Interest If Reference Asset Price < Strike Price at maturity, the Redemption is: = Share Amount + Interest BCB Interest = Investment Amount x Yield to Maturity x (FSD - PD)/365

Strictly Private & Confidential PAYMENT DATE FINAL SETTLEMENT DATE TRADE DATE MATURITY DATE Investor sell shares to Issuer and buys the HY ELI Investor earns yield from HY ELI i.e. 5% to 10% p.a. Trade / Settlement Timeline KEY FEATURES Investor earns interest on an interest bearing instrument on the proceeds from shares sale This is the date when the interest bearing instrument matures, and the Investment Amount will be used to pay for HY ELI. Interest from the interest bearing instrument will be credited to investor account This is the date that determines whether the investor receives cash or shares with respect to Reference Asset Price Issuer shall pay cash or deliver shares 5

Strictly Private & Confidential Selling Agent needs to perform the following: a. To ascertain the eligible amount for Investor to subscribe for HY ELI (please refer to Potential Investors); b. Investor needs to open: i. Stock Trading Account with CIMSEC Nominees; and ii. Savings account with the Issuer. PROCEDURES (...before executing HY ELI) 6

Strictly Private & Confidential 1.Investor sells its equity Investments i.e. shares of companies listed on Bursa Securities or such other foreign stock exchange (Shares Amount) to the Issuer at the Initial Reference Asset Price determined on Trade Date (Investment Amount). 2.The Issuer pays the investor the Investment Amount after deducting transaction cost. 3.The beneficial owner of the Shares Amount is now the Issuer. 4.The Strike Price is pre-agreed between the investor and the Issuer, often at 5% above the Initial Reference Asset Price. 5.Selling Agent needs to fill up Purchase Order Form prior to executing a trade. PROCEDURES (...Trade Date) 7 Payment DateMaturity DateFinal Settlement Date INVESTOR The Issuer pays the Investor RM300,000 (Investment Amount) for the purchase of the Shares Amount Example: Investor sells its equity investment of 100,000 PLUS shares (Shares RM3.00 per share to the Issuer ISSUER

Strictly Private & Confidential PROCEDURES (...Invest in Interest Bearing Instrument) INVESTOR Interest earned during the 1-month period shall be remitted into the investors account The Issuer invests Shares Amount in an interest bearing instrument for a minimum period of 1-month ISSUER The Issuer shall invest the Investment Amount net of transaction cost into an interest bearing instrument for a minimum period of 1-month. Any interest earned during that period shall be remitted into the investors account on the maturity of the interest bearing instrument. 8

Strictly Private & Confidential PROCEDURES (...Payment Date) INVESTOR Investor issues HY ELI Investor pays RM300,000 (Subscription Amount) to the Issuer ISSUER On Payment Date, which coincides with the maturity date of the interest bearing instrument, the Issuer issues HY ELI to the investor. The purchase consideration of HY ELI to be paid by the investor to the Issuer shall be the Investment Amount (Subscription Amount). HY ELI will be issued at par to the investor. 9

Strictly Private & Confidential PROCEDURES (...Maturity Date) SCENARIO A Reference Asset Price Strike Price If the Reference Asset Price of the Underlying Reference Asset determined on Maturity Date of HY ELI is EQUIVALENT TO or ABOVE the Strike Price, the investor shall receive the redemption amount in cash i.e. Shares Amount multiplied by the Strike Price. In addition, the investor will receive interest on the Investment Amount of HY ELI. SCENARIO B Reference Asset Price < Strike Price If the Reference Asset Price of the Underlying Reference Asset determined on Maturity Date of HY ELI is BELOW the Strike Price, the Issuer will sell the Shares Amount purchased on Trade Date back to the investor at the Reference Asset Price. The proceeds from the sale of the Shares Amount shall be equivalent to the redemption proceeds of HY ELI. In addition, the Issuer shall pay to the investor interest on the Investment Amount of HY ELI. 10 INVESTORISSUERINVESTORISSUER The Reference Asset Price is at or above Strike Price i.e. RM3.15 and above. The investor receives cash payment based on the Strike Price x Shares Amount i.e. RM3.15 x 100,000 shares = RM315,000. In addition, the investor also receives interest on the Investment Amount. The Reference Asset Price is RM2.80, which is below the Strike Price of RM3.15. The investor buys back 100,000 PLUS shares from the Issuer at RM2.80 on Maturity Date via Direct Business Transaction. In addition, the investor also receives interest on the Investment Amount.

Strictly Private & Confidential PROCEDURES (...Final Settlement Date) Scenario A (Reference Asset Price Strike Price) Receives Cash. In addition, the Investor will receive interest determined on Trade Date. Example: The Issuer delivers RM315,000 in cash plus interest to the investor. NOTE: Final Settlement Date shall be Maturity Date + 5 Market Days Example: Maturity Date falls on 7th April 2006, which is a Friday. Therefore, the Final Settlement Date shall be on 14th April Scenario B (Reference Asset Price < Strike Price) Receives Shares Amount. In addition, the Investor will receive interest determined on Trade Date. Example: The Issuer sells 100,000 PLUS shares back to the Investor at RM2.80 via Direct Business Transaction. In addition, the investor also receives interest on the Investment Amount. 11

Strictly Private & Confidential o Investors earn higher yield than ordinary time deposit Fixed Deposit: In general, a one-month to a six-month Fixed Deposit rate is approximately 3% p.a. HY ELI: Depending on the Underlying Reference Asset, a one-month to a six-month HY ELI yields between 5% and 10% p.a. o HY ELI is a short term investment, less than 6 months o Investor can earn interest from an interest bearing instrument prior to Payment Date. Investor pays for HY ELI on the Payment Date which coincides with the expiry of the interest bearing instrument o Investor earns additional interest on top of the redemption amount BENEFITS 12

Strictly Private & Confidential POTENTIAL INVESTORS o Individual and/or corporation whose total net personal assets/ net assets are as set out under items 10 and 11 of Schedule 2 and 3 of Securities Commission Act 1993, respectively. The minimum transaction for each HY ELI is RM50,000. o For Individual and/or corporation who does not fall within items 10 and 11 of Schedule 2 and 3 of the SCA 1993, the minimum transaction amount for each HY ELI is RM250,

Strictly Private & Confidential RISK STATEMENT WARNING THIS IS A STRUCTURED PRODUCT. THIS INVESTMENT IS LINKED TO THE PERFORMANCE OF ONE OR MORE MARKET PRICES, RATES, INDICES, SECURITIES AND OTHER FINANCIAL INSTRUMENTS THAT INTRODUCE SIGNIFICANT RISK THAT WILL AFFECT THE PERFORMANCE OF THIS INVESTMENT 14

Strictly Private & Confidential CONTACT PERSONS EQUITY MARKETS & DERIVATIVES Lim Jong Hau Director Tel: Kok Kong Chin Head Tel : Larry Chng Assistant Director Tel: Murni Azmi Associate Tel: Fauziah Apandi Secretary Tel: Megan Chong Secretary Tel: Eunice Saw Associate Tel:

Strictly Private & Confidential IMPORTANT NOTICE 16 This presentation has been prepared by Commerce International Merchant Bankers Berhad (CIMB) exclusively for the benefit and internal use of investor in order to indicate, on a preliminary basis, the feasibility of possible transactions. Terms contained in this presentation are intended for discussion purposes only and are subject to a definitive agreement. All information contained in this presentation belongs to CIMB and may not be copied, distributed or otherwise disseminated in whole or in part without the written consent of CIMB. This presentation has been prepared on the basis of information that is believed to be correct at the time the presentation was prepared, but that may not have been independently verified. makes no express or implied warranty as to the accuracy or completeness of any such information. CIMB is not acting as an advisor or agent to any person to whom this presentation is directed. Such persons must make their own independent assessment of the contents of this presentation, should not treat such content as advice relating to legal, accounting, taxation or investment matters and should consult their own advisers. CIMB or its affiliates may act as a principal or agent in any transaction contemplated by this presentation, or any other transaction connected with any such transaction, and may as a result earn brokerage, commission or other income. Nothing in this presentation is intended to be, or should be construed as an offer to buy or sell, or invitation to subscribe for, any securities. Neither CIMB nor any of its their directors, employees or representatives are to have any liability (including liability to any person by reason of negligence or negligent misstatement) from any statement, opinion, information or matter (express or implied) arising out of, contained in or derived from or any omission from the presentation, except liability under statute that cannot be excluded.