YIELD ENHANCEMENT October 2012

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1 5 YEAR MULTI BARRIER EXPRESS CERTIFICATE ON ISHARES EURO STOXX 50 - ETF, MARKET VECTORS RUSSIA - ETF, ISHARES FTSE CHINA 25 INDEX, ISHARES MSCI BRAZIL - ETF, SPDR TRUST S P ETF 8% P.A. CONDITIONAL MEMORY COUPON 50% MULTI BARRIER WITH OBSERVATION AT MATURITY ONLY HIGHLIGHTS Conditional Memory Coupon 8% p.a. Autocall Trigger : 100% of initial fixing Coupon Trigger : 65% of initial fixing European Barrier at 50% of the initial fixing Maturity of 5 Year maximum WOULD YOU LIKE TO KNOW MORE ABOUT STRUCTURED PRODUCTS? Please us info@efgbank-efgfp.sg and visit our website FACTS AND FIGURES Issuer Isin Maturity Currency Underlying EFG Financial Products AG, Guernsey branch St.-Peter Port, Guernsey CH Year USD ishares EURO Stoxx 50 - ETF MARKET VECTORS RUSSIA - ETF ISHARES FTSE CHINA 25 Index ISHARES MSCI BRAZIL - ETF SPDR TRUST S P ETF Autocall Observations Semi-annually Coupon Type Conditional Coupon 8% p.a. Memory Coupon Yes Autocall Trigger 100% of initial fixing Coupon Trigger 65% of initial fixing Strike 100% of initial fixing Barrier 50% Barrier Type EUROPEAN (observed at maturity) End of subscription 19 November 2012 PRODUCT DESCRIPTION AND OPPORTUNITIES The 5 Year Multi Barrier Express Certificate is a product that offers 8% p.a. conditional coupon paid semi-annually. Coupon Mechanism The Conditional Coupon of 8% p.a. is paid if the worst performing underlying is above the Coupon Trigger on each observation date (assuming no early redemption). Any unpaid coupon is recorded and will be paid on the next observation date if the coupon condition is met. Redemption Mechanism On any observation date (semi-annually), if the worst performing underlying is above the respective Autocall Trigger of 100% of initial fixing, the Product will be early redeemed and the investor will receive 100% of the denomination plus any payable coupon. At maturity (if the product has not been early redeemed) If the worst performing underlying is above the Strike or is not below the Barrier, the investor will receive 100% of the denomination. Otherwise, if the worst performing underlying is at or below the Barrier of 50% at maturity, the investor will receive the denomination reduced by 1% for each 1% negative performance of the worst performing underlying. EFG Financial Products is a division of, Singapore Branch, which is a member of the EFG Group, Switzerland.

2 WOULD YOU LIKE TO KNOW MORE ABOUT STRUCTURED PRODUCTS? Please us and visit our website RISKS If the worst performing underlying closes at or below the Barrier at maturity, the investor may receive less than 100% of the denomination. Before maturity, the secondary market value of the Note is influenced by many factors (amongst others volatility and interest rates) and may be below 100% of the Denomination. The product is not capital protected. Investors may lose part or all of the invested capital. Maximum yield is limited to the coupon payment. Compared to a direct investment in the underlying, the investor will not be entitled to receive any dividend payments. The investor bears the credit risk of the issuer. REDEMPTION SCHEDULE Observation Coupon Trigger Coupon Autocall Trigger Redemption Date Amount Amount Semester 1 65% 4% 100% 100% Semester 2 65% 4% 100% 100% Semester 3 65% 4% 100% 100% Semester 4 65% 4% 100% 100% Semester 5 65% 4% 100% 100% Semester 6 65% 4% 100% 100% Semester 7 65% 4% 100% 100% Semester 8 65% 4% 100% 100% Semester 9 65% 4% 100% 100% Semester 10 65% 4% 100% 100% REDEMPTION TABLE Final of the worst performing underlying Redemption (if Barrier event occurred) 120% 100% 110% 100% 100% 100% 90% 100% 80% 100% 70% 100% 60% 100% 50% 50% 40% 40% 30% 30% 20% 20% 10% 10% 0% 0% EFG Financial Products is a division of, Singapore Branch, which is a member of the EFG Group, Switzerland.

3 REDEMPTION MECHANISM After each semester If the worst performing underlying is at or above the Autocall Trigger of 100% Yes Early Redemption: The investor will receive 100% + conditional coupon of 4% (8% p.a.) x the number of semesters elapsed since the last coupon payment (or since inception if applicable *). No If the worst performing underlying is at or above the Coupon Trigger of 65% the investor will receive the conditional coupon of 4% (8% p.a.) x the number of semesters elapsed since the last coupon payment (or since inception if applicable *). Otherwise, no coupon is paid At maturity If the worst performing underlying is above the European Barrier of 50% Yes Redemption: If the worst performing underlying is at or above the Coupon Trigger of 65%, the investor will receive 100% + conditional coupon of 4% (8% p.a.) x the number of semesters elapsed since the last coupon payment (or since inception if applicable *). Otherwise, the investor will receive 100% of the denomination. The investor will receive the denomination reduced by 1% for each 1% negative performance of the worst performing underlying. No * The Coupon is paid since inception if the Coupon Trigger is equal to the Autocall Trigger, or if the early redemption takes place on the first observation date, or if the Coupon Trigger condition is met at any observation date without any coupon payment on any previous observation date. Product Id: f-4c b64e-9f97e31b8ee9 EFG Financial Products is a division of, Singapore Branch, which is a member of the EFG Group, Switzerland.

4 LEGAL DISCLAIMER This document is published by EFG Financial Products AG, a financial institution licensed in Switzerland and regulated by the Swiss Financial Market Regulatory Authority for the provision of research on investment products and is distributed in Singapore by the Singapore branch of (the Distributor ). This document does not provide individually tailored investment advice. The contents in this document have been prepared and are intended for general circulation. The contents in this document do not take into account the specific investment objectives, financial situation, or particular needs of any particular person. The securities and/or instruments discussed in this document may not be suitable for all investors. The Distributor recommends that you independently evaluate particular investments and strategies and encourages you to seek advice from a financial adviser regarding the suitability of such securities and/or instruments, taking into account your specific investment objectives, financial situation and particular needs, before making a commitment to purchase any securities and/or instruments. This is because the appropriateness of a particular security, instrument, investment or strategy will depend on your individual circumstances and investment objectives, financial situation and particular needs. The securities, investments, instruments or strategies discussed in this document may not be suitable for all investors, and certain investors may not be eligible to purchase or participate in some or all of them. This document is not an offer to buy or sell or the solicitation of an offer to buy or sell any security and/or instrument or to participate in any particular trading strategy. The Distributor, its associates, officers and/or employees may have interests in any products referred to in this document by acting in various roles including as distributor, holder of principal positions, adviser or lender. The Distributor, its associates, officers and/or employees may receive fees, brokerage or commissions for acting in those capacities. In addition, the Distributor, its associates, officers and/or employees may buy or sell products as principal or agent and may effect transactions which are not consistent with the information set out in this document. The Distributor and its affiliates do business that relates to companies and/or instruments covered in this document, including market making and specialised trading, risk arbitrage and other proprietary trading, fund management, commercial banking, extension of credit, investment services and investment banking. 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You will conduct your own evaluation and consult with your own legal, business and tax advisors to determine the appropriateness and consequences of any investment and you will make any investment pursuant to an independent evaluation and analysis of the consequences of the same in reliance only upon your own judgment and not in reliance upon this document and/or any views, representations (whether written or oral), advice, recommendation, opinion, report, analysis, materials, information or other statement by the Distributor or any of its agents, nominees, directors, officers or employees. The Distributor does not hold out any of its agents, nominees, directors, officers or employees as having any authority to advise you, and the Distributor does not purport to advise you on any investment. You will evaluate and accept all of the risks associated with an investment in any investment. Accordingly, the Distributor is entitled to rely on your own independent evaluation and analysis as expressly stated above. Any investment will be made at your sole risk and the Distributor is not and shall not, in any manner, be liable or responsible for the consequences of any investment. Please contact the Distributor at or info@efgbank-efgfp.sg in respect of any matters arising from, or in connection with, this document All rights reserved. EFG Financial Products is a division of, Singapore Branch, which is a member of the EFG Group, Switzerland.

5 Index Disclaimers: The respective Index Sponsor has all proprietary rights with respect to their indices. In no way the Index Sponsor sponsors, endorses or is otherwise involved in the issue and offering of this Product. The Index Sponsor makes no representation or warranty, express or implied, regarding the advisability of investing in securities or financial products generally, or in this Product particularly, or the advisability of any of its indices to track investment opportunities in the financial markets or otherwise achieve their objective. The Index Sponsor has no obligation or liability in connection with the administration, marketing or trading of this Product. The MSCI indexes are the exclusive property of Morgan Stanley Capital International Inc. ("MSCI"). MSCI and the MSCI index names are service mark(s) of MSCI or its affiliates and have been licensed for use for certain purposes by EFG Financial Products AG. The financial securities referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such financial securities. The Prospectus contains a more detailed description of the limited relationship MSCI has with EFG Financial Products AG and any related financial securities. No purchaser, seller or holder of this product, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote this product without first contacting MSCI to determine whether MSCI's permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI. EFG Financial Products is a division of, Singapore Branch, which is a member of the EFG Group, Switzerland.