Terms and Conditions of Capital Instruments

Ordinary Shares

Articles of Association

Additional Tier 1 Capital Securities

Terms and Conditions in respect of US$400,000,000 Undated Non-Cumulative Subordinated Additional Tier 1 Capital Securities

Pricing Supplement in respect of US$400,000,000 Undated Non-Cumulative Subordinated Additional Tier 1 Capital Securities

Terms and Conditions in respect of US$300,000,000 Undated Non-Cumulative Subordinated Additional Tier 1 Capital Securities

Pricing Supplement in respect of US$300,000,000 Undated Non-Cumulative Subordinated Additional Tier 1 Capital Securities

Tier 2 Subordinated Notes

Terms and Conditions in respect of US$224,000,000 4.9% Tier 2 Subordinated Notes due 2032

Pricing Supplement in repect of US$224,000,000 4.9% Tier 2 Subordinated Notes due 2032

Terms and Conditions in respect of RMB1,500,000,000 4.2% Tier 2 Capital Bonds due 2033