Interview with the Chairman of Oriental City Group (OCG) and the Head of Bank of Communications (Hainan)

(September 9th 2005) In this sunny morning, Mr. Henry C.F. Yu (Chairman of OCG) and Mr. Yang Yu Ming (Head of Bank of Communications - Hainan) conducted an interview with Hainan.net to elaborate the partnership Golf Card project between the two esteemed financial institutions.

When Mr. Yang of Bank of Communications introduced the Pacific-OCG Golf Card, he highlighted that the Card was targeted to the Golf customers who had high expectations on quality of services, so the Golf Card was designed with superb transparent look, and the Card was welcome at the most prestigious golf courses and golf-related outlets at Hainan, including Golf Practice Range, Golf Shops and Golf Travel, and also a variety of quality Lifestyle-related merchants, such as airlines, hotels and restaurants. OCG was responsible for all the marketing-related activities of the Card and the Bank of Communications was responsible for the operational aspect of the Card.

Mr. Yu of OCG reiterated that the Golf Card was positioned to appeal to the ever growing Golf population in China, with the increasing demand and expectation from the sophisticated market segment, OCG was aiming to deliver the first and the best Golf Card in China to meet the needs of the golf customers and cardmembers, so they can enjoy a network and platform of quality golf products and services not only around the nations top quality golf establishments, but also the best golf facilities around the world.

Mr. Yu stated that the Golf Card in China would start to be Golf Debit Card at the initial stage, in order to gain the local experience and accustom to the local spending and payment behaviour. Golf Card would be issued as soon as next year of 2006. The reason for the 1st ever China Golf Card to be started in Hainan was primarily because Hainan was the Golfing paradise of China and South East Asia.

According to Mr. Yu, OCG was proud to introduce such quality Golf Lifestyle membership payment platform in China, and the marketing experience of such Lifestyle marketing was learnt by Mr. Yu for over 20 years from his consumer finance experience at HK and the U.S. And Mr. Yu also emphasized that it was the honour for OCG to be able to team up with Bank of Communications to issue the Golf Lifestyle Card in China.

Mr. Yang believed that the issuance of Pacific-OCG Golf Card would have positive impact to the local consumer and consumption scene, as the Golf Card would bring in quality partnership and marketing experience from Hong Kong to the local financial arena, which in turn would benefit both the Bank, the customers and the Hainans economy as a whole.

About Oriental City Group Limited

Founded in 2001, OCG is a pioneer of new generation Card and Payment Services. OCG specializes in developing quality Lifestyle & Theme Card with banking partners. Through its diversified Lifestyle/Theme Card Platforms, OCG delivers added value to business partners while providing cardmembers with quality platform benefits and payment experience.

With the challenging competition in the card and payment industry, OCG proves there is a superior way to serve the needs and enrich the lifestyles of consumers. OCG is delivering a series of lifestyle-driven theme card through a productive business model. It provides exclusive and unique privileges to customers with specific lifestyle interests, plus added value to business partners (banks and lifestyle industries) that surpass traditional card marketing boundaries.

Since February 2002, OCG has teamed up with United Overseas Bank ("UOB") to launch the first Golf VISA. In January and May of 2003, OCG and UOB launched Lady's VISA and Man's VISA respectively. In December 2003, Family VISA was launched.

Synchronising the corporate strategy and the launch of first Lifestyle/Theme card in China, OCG established a strong partnership with Bank of Communications (BOCOM) in February 2005. OCG and BOCOM launched Pacific - OCG Golf Card on 26th July 2005, which is the first Lifestyle golf card in China.

In addition to Card-issuing business, OCG's business scope also extends to Card acceptance. OCG teams up with China Unionpay (CUP) to develop international market for CUP card acceptance and the merchant acquiring business. OCG Thailand was established in October 2004 and became one of the first financial institutions to help China Unionpay to launch CUP card acceptance services outside of China, so as to meet the growing demand and spending need of the ever-increasing out-bound Chinese tourists around the globe.

OCG has already attained the largest Golf Card membership based in Asia. Its goal is to be a leading financial institution in Greater China, Asia, and qualified markets worldwide.