HSBC Bank Malta p.l.c.
                     CFC INTEREST RATES
Date: 07-Jan-09
           
SAVINGS ACCOUNTS CURRENCY             TERM DEPOSITS
           
 INTEREST RATES
% INTEREST COMPOUNDED Applicable for amts in excess EUR50,000 equiv
RATE INTEREST PA 3 Months 6 Months 12 Months
0.500 0.50 Pounds Sterling 0.90 1.20 1.30
0.000 0.00 U S Dollars 0.10 0.30 0.50
1.500 1.51 Australian Dollars 1.50 1.50 1.50
0.300 0.30 Canadian Dollars 0.40 0.45 0.55
               
 - Interest Paid Quarterly    
 - Rates represent gross interest before tax  
 - Same Day Value for Withdrawals  
 - INTEREST RATES depend on TERM AND AMOUNT  
 - Full terms and conditions are available on request, from any of our branches
               
               
    INTEREST RATES FOR SAVINGS ACCOUNTS AND TERM DEPOSITS IN OTHER 
              CURRENCIES ARE AVAILABLE FROM ANY OF OUR BRANCHES