Phongsavanh Bank

	Interest Rate
Account Types	LAK	THB	USD
Saving Acct	3.50%	1.00%	1.50%
Current Acct	-	-	-
Personal Acct	-	-	-
Premier Acct	2.50%	1.00%	1.00%

Account Types

Interest Rate

Cash Mgt

LAK 20M - 50M → 4%

>50M - 250M → 4.5%

>250M → 5%

THB 80K - 200K → 1.75%

>200K - 1M → 2%

>1M → 2.25%

USD 2,000 - 5,000 → 1.75%

>5,000 - 25,000 → 2%

>25,000 → 2.25%

NOTE:

* Interest calculated daily . Interest will be credited on end day of 30/6 & 31/12 each year
* Closure Account: Service charge of LAK 20,000; USD 2; THB 80 for all account closure
* Any available balance lower than the above limit in each quarterly will be charged LAK 20,000; USD 2; THB 80

Account Types	Interest Rate
FIXED DEPOSIT	LAK	THB	USD
3 Months	6.00%	1.25%	1.75%
6 Months	8.00%	2.00%	2.25%
12 Months	10.00%	2.25%	3.00%

NOTE: Premature withdrawal:

* Interest will be cut a half
* Service charge of 10 USD or its equivalent

Effective as at 11 July 2007