Standard Chartered launches 'The Universal Investor' from Omnia

Notes and media contacts

DISCLAIMER:
The protection of 100 % of capital is applicable only on maturity and is provided by OMNIA ( Bermuda) Ltd, a subsidiary of Old Mutual plc( Moodys 'A2' & A by Fitch - ratings).This information is for reference purposes only and does not constitute an offer or a contract of insurance. Please refer to the offer documents for exact terms & conditions. Investments in The Universal Investor are not deposits with Standard Chartered Bank, its affiliates or subsidiaries and are subject to investment risks. Investors should make their own appraisals of the risks and should consult their own legal, tax, financial , accounting and other professional advisors prior to subscribing to the product. The Universal Investor is not offered or available for sale in the United States or to US citizens or to residents of Bermuda. Past performance is not necessarily a guide to future performance. The value of the account can go down as well as up as a result of changes in the value of the underlying securities as well as underlying currency fluctuations.

For further information, contact:

Robin Duff, MCS/Action, PO Box 20970, Dubai t: +971 4 3902960 f: +971 4 3908161

Aida Hamza, Head of Corporate Affairs, SCB UAE +971 4 5070 666

Product Details

The Universal Investor¡V in brief:

- Minimum investment amount: USD50,000
- 100% investment allocation/ participation
- Variety of investment options including international asset allocation models, equity, bond, hedge and money market transfers.
- Fixed interest rate options
- Profit lock ¡V in
- Guaranteed estate benefit
- Issued by OMNIA (Bermuda) Ltd.
- 100% capital guarantee, at maturity with a choice of tenures- 5, 7 or 10 years-
- Systematic approach of Dollar- Cost averaging.
- Liquidity access to the money invested, whenever needed.

Standard Chartered - leading the way in Asia, Africa and the Middle East
Standard Chartered employs 30,000 people in over 500 locations in more than 50 countries in the Asia Pacific Region, South Asia, the Middle East, Africa, the United Kingdom and the Americas. It is one of the world's most international banks, with a management team comprising 70 nationalities.

Standard Chartered is listed on both the London Stock Exchange and the Stock Exchange of Hong Kong and is in the top 25 FTSE-100 companies, by market capitalisation.

It serves both Consumer and Wholesale Banking customers. Consumer Banking provides credit cards, personal loans, mortgages, deposit taking and wealth management services to individuals and small to medium sized enterprises. Wholesale Banking provides corporate and institutional clients with services in trade finance, cash management, lending, security services, foreign exchange, debt capital markets and corporate finance.

Standard Chartered is well established in growth markets and aims to be the right partner for its customers. The Bank combines deep local knowledge with global capability.

The Bank is trusted across its network for its standard of governance and its commitment to making a difference in the communities in which it operates.

Standard Chartered in the Middle East and South Asia
One of the leading international banks in the region, Standard Chartered has a branch network of 76 branches in 12 countries.

The UAE is the Bank's fourth largest market globally, and Standard Chartered has a commanding share in its chosen market segments. In the UAE, Standard Chartered has a network comprising eight branches and 22 automated teller machines (ATMs). A leader in investment services, credit cards, and personal loans, Standard Chartered is also the leading provider of cash management trade finance, and treasury products and services in the UAE.

Overall, the Middle East and South Asia region contributed over 11% of the Group's revenues in 2003, clearly demonstrating the Bank's strong network and expertise in the region.