ORB Choice / Fact Sheet

The investors should read the product disclosure statement in full including the section on risks prior to investing in this product.

ORB Choice is a unique investment providing the security of a capital guarantee whilst offering investors a choice of three financial products.

KEY FACTORS

Product type	A 'unitised contract' providing investors with exposure to the performance of ORBITS in conjunction with a Capital Guarantee.
Structure	The offer is structured as a deferred purchase agreement between the investor and issuer.
Security	ORBITS - ORB Investment Traded Securities
Investment	Units in ORBITS
Issue price	AUD $1.00 per unit
Issuer	Credit Suisse, Sydney Branch
Distributor	Investorlink Securities Limited (ISL)
Issue date	26 August 2005
Minimum application	5000 Units and then in multiples of 1000 Units
Expiry Date	6 Years form Start Dare
Currency exposure	Protected into AUD
Management fee	0.917% p.a.
Distribution fee	1.1% multiplied by the Issue price and the amount of ORBITS on issue sold by the Issuer from the Start Date for a period of 3 months.
Adviser commissions	Advisers may elect to receive an initial commission of 1.1% (incl. GST). There are no trailing commissions.

KEY FEATURES

International Income
Objectives	To provide a Minimum Coupon amount of 3.75% p.a., with a potential performance participation in a diversified international Reference Portfolio.
Return profile	The return is modelled on a quarterly call overwriting strategy, and provides the opportunity to earn annual Coupons linked to the performance of the underlying portfolio.
Payout	Investors will receive the greater of 3.75% p.a. (provided no Coupon Barrier Event Occurs) or the sum of the Quarterly Performances from the four quarters in that year. After the Expiry Date, Investors will receive a portfolio of ASX securities with a Market Value equal to 100% of the Issue Price plus the annual Coupon.
Minimum Coupon	3.75% of the Issue Price is payable per annum provided no Coupon Barrier Event occurs.
ASX code	ORBSC1

Australian Income
Objectives	To provide a Minimum Coupon amount of 3.75% p.a., with a potential performance participation in a diversified Australian Reference Portfolio.
Return profile	The return is modelled on a quarterly call overwriting strategy, and provides the opportunity to earn annual Coupons linked to the performance of the underlying portfolio.
Payout	Investors will receive the greater of 3.75% p.a. (provided no Coupon Barrier Event Occurs) or the sum of the Quarterly Performances from the four quarters in that year. After the Expiry Date, Investors will receive a portfolio of ASX securities with a Market Value equal to 100% of the Issue Price plus the annual Coupon.
Minimum Coupon	3.75% of the Issue Price is payable per annum provided no Coupon Barrier Event occurs.
ASX Listing	Not listed

International Growth
Objectives	To provide both Fixed Coupons and performance participation in a diversified international Reference Portfolio.
Return profile	The return is modelled on a quarterly call overwriting strategy, and provides the opportunity to earn a Fixed Coupon per year, plus a potential Bonus Coupon payable on Expiry.
Payout	The annual payout to Investors is fixed at 3.25%. On Expiry, Investors may receive a Bonus Coupon calculated as the sum of the Quarterly Performances of the underlying portfolio. After the Expiry Date, Investors will receive a portfolio of ASX securities with a Market Value equal to 100% of the Issue Price, the final Fixed Coupon of 3.25% plus a potential Bonus Coupon.
Fixed Coupon	3.25% of the Issue Price is payable per annum provided no Coupon Barrier Event occurs.
ASX Listing	ORBSC3

EXTERNAL RESEARCH

Aegis	Recommended
Aegis Super	Recommended
Assirt	Investment Grade
Lonsec	Investment Grade
van Eyk	Endorsed as 'Recommended' by Aegis