1. The personal investment between Standard Chartered Bank and Citibank

2. Introduction Debt Securities Fund Conclusion

3. Hong Kong ‘s debt market is relatively small, compared to the banking and equity Debt securities has increased to 48% of GDP in 2005, compared with only 8% of GDP in 1994

4. In 2005 SFC authorized 238 funds and 3 REITs At the end of December 2005 there are 1964 authorized unit trusts and mutual funds in Hong Kong

5. 2006 Q2 948 listed companies in min board $9,758.4 total value (HK$ billion) $33,893(HKmillion)

7. look after the settlement Safekeeping coupon collection redemption at maturity

9. open an account the minimum limit of budget in the account Example: Citibank General citibanking account - the minimum limit of $30,000 Citigold account – the minimum limit of $1,000,000

10. Compare by type of bonds available Type of bonds available for invest Standard Chartered Citibank Fixed Rate Bonds  Floating Rate Bonds  Zero Coupon Bonds  Callable Bonds 

11. Compare by service charging Service chargeStandard Chartered Citibank Minimum amount for investing in bond HKD50,000US$20,000(about HKD154,800) Purchase / sell transaction 0.75% of debt securities’ face value for each transaction 1% of debt securities’ face value for each transaction

12. Service chargeStandard Chartered Citibank Safe custodyFree of charge Interest collectionFree of charge Maturity redemption Free of charge Transfer in / out request HK$500 per request 1% of debt securities’ face value for each transaction

13. Standard Chartered Bank Securities Services Complete trading freedom and flexibility  Via dedicated Securities Services Hotline  can sell stocks on the same day of purchase Stay ahead of market trends  provide the latest market news, professional market analysis  can access world-renowned Morgan Stanley research reports

14. Hassle-free securities trading  can place orders during pre-opening session  will receive monthly statements detailing their updated portfolio and transactions, account movement, benefit entitlement Earn extra investment rewards  InvestPro offers rewards as better pricing on investment transactions

15. Investment Zone

17. The fund of the standard chartered bank and citibank

18. The standard chartered bank The types of fund provided  Class A fund  Class B fund  structured products, such as guaranteed funds

19. The number of fund  About 400 Service  Objective evaluation  Risk analysis  the monthly consolidated statement

20. The Citibank The type of fund provided  Class B fund  Fundselect Savings Plan

21. The number of fund  About 600  About 700 quality funds from reputable international funds house Service  Fundwatch  Fund screening analysis  Portfolio review every 6 month

22. Services / Plan Citibank: FundSelect Saving plan Fund Choice Standard Chapter Bank: Earn extra investment rewards

23. Investment Zone Accumulated Investment Points Required D≥ 1,000 C500 - 999 or Priority Banking Customers B100 - 499 or Excel Banking Customers A0 - 99

25. Report Citibank : By mail: if there is any changesAnd semi annual reportly Standard Chapter Bank: One monthly

26. Types Citibank: Over 600 Standard Chapter Bank: Over 400

27. Conclusion Personal need Charge Risk Service