Schedule of Fees Deposit Account Agreement Funds Availability Policy Overdraft Protection for Consumers Privacy Policy Electronic Fund Transfer

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1 Schedule of Fees Deposit Account Agreement Funds Availability Policy Overdraft Protection for Consumers Privacy Policy Electronic Fund Transfer Agreement First Option Checking Free Style Checking Maximizer Checking Money Market Account Triple Option Certificate of Deposit 3 Month CD 6 Month CD 12 Month CD 18 Month CD 24 Month CD 36 Month CD 48 Month CD

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10 rev.1/2017 FACTS Why? What? WHAT DOES FIRST FIDELITY BANK DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depends on the product or service you have with us. This information can include: Social Security number and checking account information account balances and payment history credit scores and credit history When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customer s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer s personal information; the reasons First Fidelity Bank chooses to share; and whether you can limit this sharing. Reasons we can share your personal information For our everyday business purposes Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes To offer our products and services to you For joint marketing with other financial companies For our affiliates everyday business purposes information about your transactions and experiences For our affiliates everyday business purposes information about your creditworthiness For non-affiliates to market to you Questions? Does First Fidelity Bank share? Yes Yes No No No No Call us toll free at or go to Can you limit this sharing? No No We don t share We don t share We don t share We don t share

11 rev.1/2017 Page 2 What we do How does First Fidelity Bank protect my personal information? How does First Fidelity Bank collect my personal information? Why can t I limit all sharing? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We collect your personal information, for example, when you open an account or make deposits or withdrawals from your account pay your bills or apply for a loan use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Federal law gives you the right to limit only Sharing with affiliates for everyday business purposes information about your creditworthiness Affiliates from using your information to market to you Sharing with non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. Definitions Affiliates Non-affiliates Joint marketing Companies related by common ownership or control. They can be financial and non-financial companies. First Fidelity Bank does not share with our affiliates. Companies not related by common ownership or control. They can be financial and non-financial companies. First Fidelity Bank does not share with nonaffiliates so they can market to you. A formal agreement between non-affiliated financial companies that together market financial products or services to you. First Fidelity Bank does not jointly market.

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17 TRUTH IN SAVINGS First Option Checking Truth In Savings Disclosure MINIMUM BALANCE REQUIREMENTS. You must deposit $ to open this account. DORMANT/INACTIVE ACCOUNT INFORMATION. A dormant account fee of $10.00 per month will be charged after 3 years of inactivity. PROCESSING ORDER. All credit transactions are processed first. Debits or withdrawals from your account will be processed as follows: ATM and Preauthorized transactions in chronological order, then checks and ACH transactions in serial number order. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees. PAYMENT OF OVERDRAFTS. If your account lacks sufficient available funds to pay a check, in-person withdrawal, ATM withdrawal, or payment by other electronic means, we may pay such overdraft item at our discretion and charge overdraft fee(s) as applicable/allowable by law. The bank reserves the right to modify or discontinue the payment of overdrafts at anytime without notice. If you prefer that we do not pay items that would create an overdraft you may instruct us by writing to P. O. Box Oklahoma City, OK 73123, or by calling Customer Service at (800) NOTICE: We may report information about your account to credit bureaus. Late payments, missed payment, or other defaults on your account may be reflected in your credit report. We may also report adverse information about your account to other consumer reporting agencies such as check reporting systems. TRANSACTION LIMITATIONS. No transaction limitations apply to this account. CHECKING ACCOUNT WITH SUBACCOUNTS. This provision only applies to Checking and Negotiable Order of Withdrawal ("NOW") accounts. Your account consists of two subaccounts; a checking subaccount and a savings subaccount. The checking subaccount is your transaction account. If the amount of money in your checking subaccount exceeds a certain threshold amount, we will transfer the amount above the threshold amount into your savings subaccount. We will make the transfer at the beginning of each monthly statement period. We determine the threshold amount in our sole discretion. If on any day the daily beginning balance in your checking subaccount is less than the total of the new debits (such as checks and other withdrawals), then money will be automatically transferred from your savings subaccount back to your checking subaccount. The amount transferred back to the checking subaccount will be the total of the debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. If six transfers from the savings subaccount to the checking subaccount occur during any statement period, then the entire balance of the savings subaccount will be transferred to your checking subaccount for the remainder of that statement period. The transfers between the subaccounts will occur only on our books. Other than as described above, the Agreement controls your account as if there were no subaccounts. ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT. Guardian is an additional product and may be selected for this account. An additional $6.00 charge will be assessed. MONTHLY MAINTENANCE AND PRODUCT FEES. Monthly Maintenance Fee of $10.00 will be assessed on this account. Monthly estatement free ($2.00 Fee for paper statement) A minimum fee of $30.00 will be assessed if account is closed within 90days Compliance Systems, Inc. e8a14d2e-82838fc Truth In Savings - DD8106 Page 1 of 2

18 FEES AND CHARGES. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request. Free ATMs Worldwide Disclosure First Fidelity Bank does not charge our clients a fee for using non-first Fidelity Bank ATMs anywhere in the world. And if other banks charge you a fee, we'll reimburse you. Complete the First Fidelity Bank rebate form and mail it to the address below with your original ATM receipts. We will credit your account for any surcharges. The information on the form is required. Forms that are not fully completed may not be processed correctly or may be delayed. Generally, refunds will be credited to your account within 10 business days. Original ATM receipts must be submitted within 90 days. Your rebate will be deposited directly to your account. Your account must be open at the time we process the ATM rebate. A separate form must be used for each account. This form is available online and at any First Fidelity Bank office. To locate the branch nearest you, and the digital version of this form, go to: Mail completed form and your original receipt(s) to: First Fidelity Bank Att: ATM Rebate P.O. Box Oklahoma City, OK If you have questions or need assistance, feel free to contact Customer Service at nationwide Compliance Systems, Inc. e8a14d2e-82838fc Truth In Savings - DD8106 Page 2 of 2

19 TRUTH IN SAVINGS Free Style Checking Truth in Savings Disclosure MINIMUM BALANCE REQUIREMENTS. You must deposit $ to open this account. DORMANT/INACTIVE ACCOUNT INFORMATION. A dormant account fee of $10.00 per month will be charged after 3 years of inactivity. PROCESSING ORDER. All credit transactions are processed first. Debits or withdrawals from your account will be processed as follows: ATM and Preauthorized transactions in chronological order, then checks and ACH transactions in serial number order. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees. PAYMENT OF OVERDRAFTS. If your account lacks sufficient available funds to pay a check, in-person withdrawal, ATM withdrawal, or payment by other electronic means, we may pay such overdraft items at our discretion and charge overdraft fee(s) as applicable/allowable by law. The Bank reserves the right to modify or discontinue the payment of overdrafts at any time without notice. If you prefer that we do not pay items that would create an overdraft you may instruct us by writing to P. O. Box , Oklahoma City, OK 73123, or by calling Customer Service at NOTICE: We may report information about your account to credit bureaus. Late payments, missed payment, or other defaults on your account may be reflected in your credit report. We may also report adverse information about your account to other consumer reporting agencies such as check reporting systems. TRANSACTION LIMITATIONS. No transaction limitations apply to this account. CHECKING ACCOUNT WITH SUBACCOUNTS. This provision only applies to Checking and Negotiable Order of Withdrawal ("NOW") accounts. Your account consists of two subaccounts; a checking subaccount and a savings subaccount. The checking subaccount is your transaction account. If the amount of money in your checking subaccount exceeds a certain threshold amount, we will transfer the amount above the threshold amount into your savings subaccount. We will make the transfer at the beginning of each monthly statement period. We determine the threshold amount in our sole discretion. If on any day the daily beginning balance in your checking subaccount is less than the total of the new debits (such as checks and other withdrawals), then money will be automatically transferred from your savings subaccount back to your checking subaccount. The amount transferred back to the checking subaccount will be the total of the debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. If six transfers from the savings subaccount to the checking subaccount occur during any statement period, then the entire balance of the savings subaccount will be transferred to your checking subaccount for the remainder of that statement period. The transfers between the subaccounts will occur only on our books. Other than as described above, the Agreement controls your account as if there were no subaccounts. ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT. MAINTENANCE AND PRODUCT FEES. Monthly estatement Free ($2.00 Fee for Paper statement) First Option is an additional product and may be selected for this account. An additional $10.00 charge will be assessed. Guardian is an additional product and may be selected for this account. An additional $6.00 charge will be assessed. FEES AND CHARGES. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request Compliance Systems, Inc. e8a14d2e-3e40f Truth In Savings - DD8106 Page 1 of 2

20 Free ATMs Worldwide Disclosure First Fidelity Bank does not charge our clients a fee for using non-first Fidelity Bank ATMs anywhere in the world. And if other banks charge you a fee, we'll reimburse you. Complete the First Fidelity Bank rebate form and mail it to the address below with your original ATM receipts. We will credit your account for any surcharges. The information on the form is required. Forms that are not fully completed may not be processed correctly or may be delayed. Generally, refunds will be credited to your account within 10 business days. Original ATM receipts must be submitted within 90 days. Your rebate will be deposited directly to your account. Your account must be open at the time we process the ATM rebate. A separate form must be used for each account. This form is available online and at any First Fidelity Bank office. To locate the branch nearest you, and the digital version of this form, go to: Mail completed form and your original receipt(s) to: First Fidelity Bank Att: ATM Rebate P.O. Box Oklahoma City, OK If you have questions or need assistance, feel free to contact Customer Service at nationwide Compliance Systems, Inc. e8a14d2e-3e40f Truth In Savings - DD8106 Page 2 of 2

21 TRUTH IN SAVINGS Maximizer Checking Truth in Savings Disclosure RATE INFORMATION. The interest rate listed in each tier will be paid on the entire balance in your account. Tier Daily Balance Range Interest Rate Annual Percentage Yield (APY) 1 Equal to or greater than $1, but less than $10, % 0.05% 2 Equal to or greater than $10, but less than $50, % 0.05% 3 Equal to or greater than $50, % 0.20% Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account every statement cycle. Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account. COMPOUNDING AND CREDITING. Interest will not be compounded and will be credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest. MINIMUM BALANCE REQUIREMENTS. You must deposit $ to open this account. A minimum balance fee of $12.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1, The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The $12.00 minimum balance fee is waived for linked account balances of $10, or more. A linked account is defined as aggregate deposit accounts, including Certificates of Deposits, on deposit at FFB. You must maintain a minimum daily balance of $1, in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. DORMANT/INACTIVE ACCOUNT INFORMATION. A dormant account fee of $10.00 per month will be charged after 3 years of inactivity. PROCESSING ORDER. All credit transactions are processed first. Debits or withdrawals from your account will be processed as follows: ATM and Preauthorized transactions in chronological order, then checks and ACH transactions in serial number order. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees. PAYMENT OF OVERDRAFTS. If your account lacks sufficient available funds to pay a check, in-person withdrawal, ATM withdrawal, or payment by other electronic means, we may pay such overdraft items at our discretion and charge overdraft fee(s) as applicable/allowable by law. The Bank reserves the right to modify or discontinue the payment of overdrafts at any time without notice. If you prefer that we do not pay items that would create an overdraft, you may instruct us by writing to P.O. Box 32282, Oklahoma City, OK 73123, or by calling Customer Service at (800) NOTICE: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may also report adverse information about your account to other consumer reporting agencies such as check reporting systems. BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the daily balance on which interest is paid. ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) Compliance Systems, Inc. e8a14d2e-2244c Truth In Savings - DD8106 Page 1 of 2

22 TRANSACTION LIMITATIONS. No transaction limitations apply to this account. CHECKING ACCOUNT WITH SUBACCOUNTS. This provision only applies to Checking and Negotiable Order of Withdrawal ("NOW") accounts. Your account consists of two subaccounts; a checking subaccount and a savings subaccount. The checking subaccount is your transaction account. If the amount of money in your checking subaccount exceeds a certain threshold amount, we will transfer the amount above the threshold amount into your savings subaccount. We will make the transfer at the beginning of each monthly statement period. We determine the threshold amount in our sole discretion. If on any day the daily beginning balance in your checking subaccount is less than the total of the new debits (such as checks and other withdrawals), then money will be automatically transferred from your savings subaccount back to your checking subaccount. The amount transferred back to the checking subaccount will be the total of the debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. If six transfers from the savings subaccount to the checking subaccount occur during any statement period, then the entire balance of the savings subaccount will be transferred to your checking subaccount for the remainder of that statement period. The transfers between the subaccounts will occur only on our books. Other than as described above, the Agreement controls your account as if there were no subaccounts. ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT. MAINTENANCE AND PRODUCT FEES. Monthly estatement free ($2.00 Fee for Paper Statements) First Option is an additional product and may be selected for this account. An additional $10.00 charge will be assessed. Guardian is an additional product and may be selected for this account. An additional $6.00 charge will be assessed. CURRENT RATE INFORMATION. The rate(s) and annual percentage yield(s) disclosed above were offered within the most recent seven calendar days, and were accurate as of 07/27/2016. To obtain the current rate(s) and annual percentage yield information, please call (800) FEES AND CHARGES. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request. Free ATMs Worldwide Disclosure First Fidelity Bank does not charge our clients a fee for using non-first Fidelity Bank ATMs anywhere in the world. And if other banks charge you a fee, we'll reimburse you. Complete the First Fidelity Bank rebate form and mail it to the address below with your original ATM receipts. We will credit your account for any surcharges. The information on the form is required. Forms that are not fully completed may not be processed correctly or may be delayed. Generally, refunds will be credited to your account within 10 business days. Original ATM receipts must be submitted within 90 days. Your rebate will be deposited directly to your account. Your account must be open at the time we process the ATM rebate. A separate form must be used for each account. This form is available online and at any First Fidelity Bank office. To locate the branch nearest you, and the digital version of this form, go to: Mail completed form and your original receipt(s) to: First Fidelity Bank Att: ATM Rebate P.O. Box Oklahoma City, OK If you have questions or need assistance, feel free to contact Customer Service at nationwide Compliance Systems, Inc. e8a14d2e-2244c Truth In Savings - DD8106 Page 2 of 2

23 TRUTH IN SAVINGS Money Market Account Truth in Savings Disclosure RATE INFORMATION. The interest rate listed in each tier will be paid on the entire balance in your account. Tier Daily Balance Range Interest Rate Annual Percentage Yield (APY) 1 Equal to or greater than $2, but less than $10, % 0.05% 2 Equal to or greater than $10, but less than $50, % 0.10% 3 Equal to or greater than $50, % 0.20% Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account every statement cycle. Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account. COMPOUNDING AND CREDITING. Interest will not be compounded and will be credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest. MINIMUM BALANCE REQUIREMENTS. You must deposit $ to open this account. A minimum balance fee of $15.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $2, The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum daily balance of $2, in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. DORMANT/INACTIVE ACCOUNT INFORMATION. A dormant account fee of $10.00 per month will be charged after 3 years of inactivity. PROCESSING ORDER. All credit transactions are processed first. Debits or withdrawals from your account will be processed as follows: ATM and Preauthorized transactions in chronological order, then checks and ACH transactions in serial number order. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees. PAYMENT OF OVERDRAFTS. If your account lacks sufficient available funds to pay a check, in-person withdrawal, ATM withdrawal, or payment by other electronic means, we may pay such overdraft items at our discretion and charge overdraft fees(s) as applicable/allowable by law. The Bank reserves the right to modify or discontinue the payment of overdrafts at any time without notice. If you prefer that we do not pay items that would create an overdraft, you may instruct us by writing to P. O. Box 32282, Oklahoma City, OK 73123, or by calling Customer Service at (800) NOTICE: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may also report adverse information about your account to other consumer reporting agencies such as check reporting systems. BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the daily balance on which interest is paid. ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). TRANSACTION LIMITATIONS. You may make only six withdrawals or transfers from your account each statement cycle. Excessive withdrawals or transfers will be charged $15.00 per item Compliance Systems, Inc. e8a14d2e-7d21b18c Truth In Savings - DD8106 Page 1 of 2

24 CHECKING ACCOUNT WITH SUBACCOUNTS. This provision only applies to Checking and Negotiable Order of Withdrawal ("NOW") accounts. Your account consists of two subaccounts; a checking subaccount and a savings subaccount. The checking subaccount is your transaction account. If the amount of money in your checking subaccount exceeds a certain threshold amount, we will transfer the amount above the threshold amount into your savings subaccount. We will make the transfer at the beginning of each monthly statement period. We determine the threshold amount in our sole discretion. If on any day the daily beginning balance in your checking subaccount is less than the total of the new debits (such as checks and other withdrawals), then money will be automatically transferred from your savings subaccount back to your checking subaccount. The amount transferred back to the checking subaccount will be the total of the debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. If six transfers from the savings subaccount to the checking subaccount occur during any statement period, then the entire balance of the savings subaccount will be transferred to your checking subaccount for the remainder of that statement period. The transfers between the subaccounts will occur only on our books. Other than as described above, the Agreement controls your account as if there were no subaccounts. ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT. MAINTENANCE AND PRODUCT FEES. Monthly estatements Free ($2.00 Fee for Paper Statements) First Option is an additional product and may be selected for this account. An additional $10.00 charge will be assessed. Guardian is an additional product and may be selected for this account. An additional $6.00 charge will be assessed. CURRENT RATE INFORMATION. The rate(s) and annual percentage yield(s) disclosed above were offered within the most recent seven calendar days, and were accurate as of 07/27/2016. To obtain the current rate(s) and annual percentage yield information, please call (800) FEES AND CHARGES. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request. Free ATMs Worldwide Disclosure First Fidelity Bank does not charge our clients a fee for using non-first Fidelity Bank ATMs anywhere in the world. And if other banks charge you a fee, we'll reimburse you. Complete the First Fidelity Bank rebate form and mail it to the address below with your original ATM receipts. We will credit your account for any surcharges. The information on the form is required. Forms that are not fully completed may not be processed correctly or may be delayed. Generally, refunds will be credited to your account within 10 business days. Original ATM receipts must be submitted within 90 days. Your rebate will be deposited directly to your account. Your account must be open at the time we process the ATM rebate. A separate form must be used for each account. This form is available online and at any First Fidelity Bank office. To locate the branch nearest you, and the digital version of this form, go to: Mail completed form and your original receipt(s) to: First Fidelity Bank Att: ATM Rebate P.O. Box Oklahoma City, OK If you have questions or need assistance, feel free to contact Customer Service at nationwide Compliance Systems, Inc. e8a14d2e-7d21b18c Truth In Savings - DD8106 Page 2 of 2

25 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ Ì» Ñ ±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ü ½ ± Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«² 1.25 û ² ²² ½»² ¹»» ¼ øßðç ±º 1.26 ûò DZ«¾» ¼» «² ³ «ò ß¼¼ ±² λ ²º± ³ ±² DZ«ª»» ± ±² ± ²½»»»» ±² ±«ÝÜ ±²½»»ª»» ª» ³±² ô ²± ±» ½»»¼»» ³» ¼«²¹»» ³ ±º» ÝÜò º ±«½ ±±» ± ²½»»»» ±º ±«ÝÜô» ª ¾»» ½±» ±²¼» ½²» ±ºº»»¼ ¾» Þ ²µ º±»»³ ² ²¹» ³ ±º» ÝÜ» ³» ±º»» º± ²½»»ò DZ«³ »» ²½»» ²¼ ³ ¼± ± ¾ ²¹ ± «Ðò Ñò Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí ± ½ ²¹ èððóîççóéðìéò Ì»» ²½»» ¾»½±³»»ºº»½ ª» ²»» ¾«²» ¼ º»»»½» ª» ± ²¼ ¾» ²»ºº»½ º±»»³ ² ²¹» ³ ±º ±«ÝÜò Ì» ²» ²»»» ²± ¾»»¼» ± ½ ª» ²¼ ²± ºº»½»» ³ ± ³ «¼» ±º ±«ÝÜò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» compound daily ²¼ ¾» credited to your account quarterly ò Ì» ²² ½»² ¹»» ¼ «³» ²»»»³ ² ±² ¼» ± «² ³ «ò ß ¼»¼«½»» ² ²¹ ò º ²»» ½»¼»¼ ± ²±» ½½±«² ± ¼ ± ±«¾ ½»½µô ³»¼«½»» ² ²¹ ²¼ ³ ²»¹»»»ºº»½ ±º ²»» ½±³ ±«²¼ ²¹ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ì» ¾ ²µ ¼±» ²± ³ µ» ² ¹«²»»» ½±» ±²¼ ²¹» ¾» ¹» ² ± ² ¼«²¹»»²»» ³ ±º ±«ÝÜò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò Ì» ¼ ¾ ²½»» »² ½ ½«²¹ ²»»» ½±»½»¼ ¾ ²½»ò Ì ³» ²» ±² ²½ «¼» ±» º«²¼ º± ½» ª» ½ ½» ª»¼ ³»²»²» ¼»» ³ ²»» ¾ ²½» ±² ½ ²»» ¼ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ²±» ²» ¾«²» ¼»»½» ª» ½»¼ º±» ¼» ± ±º ²±²½»³ øº±» ³»ô ½»½µ ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼» ± ² ± ± ¼ º ±³ ±«½½±«² «²» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 4 years ò ÛßÎÔÇ É ÌØÜÎßÉßÔ ÐÎÑÊ Í ÑÒÍ É» ³ ±»»² º ±«¼ ² ± ±º» º«²¼ ¾»º±»» ³ «¼»ò Ì»»² ³ ±»¼» «îû ±º» ³±«² ¼ ²ò ß²» ¼»² ³ ²ª ¼» ±«²½ ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò ððêéîìðè󻽺èìîé» ó ø«²ª» ±²»¼ ± ìè³ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè

26 DZ«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ ÒÑÌ ÝÛ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò ÝËÎÎÛÒÌ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì»»ø ²¼ ²² ½»² ¹»» ¼ø ¼ ½ ±»¼ ¾±ª»»» ±ºº»»¼ ²» ³±»½»²»ª»² ½»²¼ ¼ ô ²¼»» ½½ ±º date of opening ò ̱ ±¾ ² ½²» ²¼ ²² ½»² ¹»» ¼ ²º± ³ ±²ô»» ½ øèðð îççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò ððêéîìðè󻽺èìîé» ó ø«²ª» ±²»¼ ± ìè³ Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè

27 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ í Ó±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ü ½ ± Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«².25 û ² ²² ½»² ¹»» ¼ øßðç ±º.25 ûò DZ«¾» ¼» «² ³ «ò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» not compound ²¼ ¾» credited to your account at maturity. ò Ì» ²² ½»² ¹»» ¼ «³» ²»»»³ ² ±² ¼» ± «² ³ «ò ß ¼»¼«½»» ² ²¹ ò º ²»» ½»¼»¼ ± ²±» ½½±«² ± ¼ ± ±«¾ ½»½µô ³»¼«½»» ² ²¹ ²¼ ³ ²»¹»»»ºº»½ ±º ²»» ½±³ ±«²¼ ²¹ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò Ì» ¼ ¾ ²½»» »² ½ ½«²¹ ²»»» ½±»½»¼ ¾ ²½»ò Ì ³» ²» ±² ²½ «¼» ±» º«²¼ º± ½» ª» ½ ½» ª»¼ ³»²»²» ¼»» ³ ²»» ¾ ²½» ±² ½ ²»» ¼ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ²±» ²» ¾«²» ¼»»½» ª» ½»¼ º±» ¼» ± ±º ²±²½»³ øº±» ³»ô ½»½µ ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼ º ±³ ±«½½±«² «²» ³ «¼»ò Ü» ± ³ ¾» ³ ¼» ² üïôðððòðð ²½»³»² «± ± ±º üîëôðððòððô ²» º º ±º»» ³ ±º» ½» º ½» ±º ¼» ± ò ß¼¼ ±² ¼» ± ²± ½ ²¹»» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 3 months ò ÛßÎÔÇ É ÌØÜÎßÉßÔ ÐÎÑÊ Í ÑÒÍ É» ³ ±»»² º ±«¼ ² ± ±º» º«²¼ ¾»º±»» ³ «¼»ò Ì»»² ³ ±»¼» «îû ±º» ³±«² ¼ ²ò ß²» ¼»² ³ ²ª ¼» ²½ ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ Ç±«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò éê꺼î¾ì󻽺èìîé» ó ø«²ª» ±²»¼ í³±½¼ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè

28 º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ ÒÑÌ ÝÛ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò ÝËÎÎÛÒÌ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì»»ø ²¼ ²² ½»² ¹»» ¼ø ¼ ½ ±»¼ ¾±ª»»» ±ºº»»¼ ²» ³±»½»²»ª»² ½»²¼ ¼ ô ²¼»» ½½ ±º date of opening ò ̱ ±¾ ² ½²» ²¼ ²² ½»² ¹»» ¼ ²º± ³ ±²ô»» ½ øèðð îççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò éê꺼î¾ì󻽺èìîé» ó ø«²ª» ±²»¼ í³±½¼ Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè

29 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ ê Ó±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ü ½ ± Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«².40 û ² ²² ½»² ¹»» ¼ øßðç ±º.40 ûò DZ«¾» ¼» «² ³ «ò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» not compound ²¼ ¾» credited to your account at maturity. ò Ì» ²² ½»² ¹»» ¼ «³» ²»»»³ ² ±² ¼» ± «² ³ «ò ß ¼»¼«½»» ² ²¹ ò º ²»» ½»¼»¼ ± ²±» ½½±«² ± ¼ ± ±«¾ ½»½µô ³»¼«½»» ² ²¹ ²¼ ³ ²»¹»»»ºº»½ ±º ²»» ½±³ ±«²¼ ²¹ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò Ì» ¼ ¾ ²½»» »² ½ ½«²¹ ²»»» ½±»½»¼ ¾ ²½»ò Ì ³» ²» ±² ²½ «¼» ±» º«²¼ º± ½» ª» ½ ½» ª»¼ ³»²»²» ¼»» ³ ²»» ¾ ²½» ±² ½ ²»» ¼ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ²±» ²» ¾«²» ¼»»½» ª» ½»¼ º±» ¼» ± ±º ²±²½»³ øº±» ³»ô ½»½µ ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼ º ±³ ±«½½±«² «²» ³ «¼»ò Ü» ± ³ ¾» ³ ¼» ² üïôðððòðð ²½»³»² «± ± ±º üîëôðððòðð ²» º º ±º»» ³ ±º» ½» º ½» ±º ¼» ± ò ß¼¼ ±² ¼» ± ²± ½ ²¹»» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 6 months ò ÛßÎÔÇ É ÌØÜÎßÉßÔ ÐÎÑÊ Í ÑÒÍ É» ³ ±»»² º ±«¼ ² ± ±º» º«²¼ ¾»º±»» ³ «¼»ò Ì»»² ³ ±»¼» «îû ±º» ³±«² ¼ ²ò ß²» ¼»² ³ ²ª ¼» ²½ ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ Ç±«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò ðî¼¼¼ éê󻽺èìîé» ó ø«²ª» ±²»¼ ê³±½¼ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè

30 º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ ÒÑÌ ÝÛ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò ÝËÎÎÛÒÌ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì»»ø ²¼ ²² ½»² ¹»» ¼ø ¼ ½ ±»¼ ¾±ª»»» ±ºº»»¼ ²» ³±»½»²»ª»² ½»²¼ ¼ ô ²¼»» ½½ ±º date of opening ò ̱ ±¾ ² ½²» ²¼ ²² ½»² ¹»» ¼ ²º± ³ ±²ô»» ½ øèðð îççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò ðî¼¼¼ éê󻽺èìîé» ó ø«²ª» ±²»¼ ê³±½¼ Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè

31 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ ïî Ó±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ü ½ ± Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«².50 û ² ²² ½»² ¹»» ¼ øßðç ±º.50 ûò DZ«¾» ¼» «² ³ «ò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» not compound ²¼ ¾» credited to your account at maturity. ò Ì» ²² ½»² ¹»» ¼ «³» ²»»»³ ² ±² ¼» ± «² ³ «ò ß ¼»¼«½»» ² ²¹ ò º ²»» ½»¼»¼ ± ²±» ½½±«² ± ¼ ± ±«¾ ½»½µô ³»¼«½»» ² ²¹ ²¼ ³ ²»¹»»»ºº»½ ±º ²»» ½±³ ±«²¼ ²¹ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò Ì» ¼ ¾ ²½»» »² ½ ½«²¹ ²»»» ½±»½»¼ ¾ ²½»ò Ì ³» ²» ±² ²½ «¼» ±» º«²¼ º± ½» ª» ½ ½» ª»¼ ³»²»²» ¼»» ³ ²»» ¾ ²½» ±² ½ ²»» ¼ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ²±» ²» ¾«²» ¼»»½» ª» ½»¼ º±» ¼» ± ±º ²±²½»³ øº±» ³»ô ½»½µ ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼ º ±³ ±«½½±«² «²» ³ «¼»ò Ü» ± ³ ¾» ³ ¼» ² üïôðððòðð ²½»³»² ô «± ± ±º üîëôðððòðð ²» º º ±º»» ³ ±º» ½» º ½» ±º ¼» ± ò ß¼¼ ±² ¼» ± ²± ½ ²¹»» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 12 months ò ÛßÎÔÇ É ÌØÜÎßÉßÔ ÐÎÑÊ Í ÑÒÍ É» ³ ±»»² º ±«¼ ² ± ±º» º«²¼ ¾»º±»» ³ «¼»ò Ì»»² ³ ±»¼» «îû ±º» ³±«² ¼ ²ò ß²» ¼»² ³ ²ª ¼» ²½ ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ Ç±«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò é½½îçîðí󻽺èìîé» ó ø«²ª» ±²»¼ ïî³±½¼ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè

32 º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ ÒÑÌ ÝÛæ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò ÝËÎÎÛÒÌ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì»»ø ²¼ ²² ½»² ¹»» ¼ø ¼ ½ ±»¼ ¾±ª»»» ±ºº»»¼ ²» ³±»½»²»ª»² ½»²¼ ¼ ô ²¼»» ½½ ±º date of opening ò ̱ ±¾ ² ½²» ²¼ ²² ½»² ¹»» ¼ ²º± ³ ±²ô»» ½ øèðð îççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò é½½îçîðí󻽺èìîé» ó ø«²ª» ±²»¼ ïî³±½¼ Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè

33 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ ïè Ó±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«².70 û ² ²² ½»² ¹»» ¼ øßðç ±º.70 ûò DZ«¾» ¼» º± òòò ø ³»» ±¼ ò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» compound daily ²¼ ¾» credited to your account quarterly ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÜÑÎÓßÒÌñ ÒßÝÌ ÊÛ ßÝÝÑËÒÌ ÒÚÑÎÓßÌ ÑÒ ß ¼± ³ ² ½½±«² º»» ±º üðòðð» ³±² ¾» ½ ¹»¼ º» ³±² ±º ² ½ ª ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ±²» ¾«²» ¼ ±«¼» ± ²±²½»³ øº±» ³»ô ½»½µ ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼ º ±³ ±«½½±«² «²» ³ «¼»ò Ü» ± ³ ¾» ³ ¼» ² üïôðððòðð ²½»³»² «± ± ±º üîëôðððòðð ²» º º ±º»» ³ ±º» ½» º ½» ±º ¼» ± ò ß¼¼ ±² ¼» ± ²± ½ ²¹»» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 18 months ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ Ç±«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò º¼ðºº½çî󻽺èìîé» ó ø«²ª» ±²»¼ ïè³±½¼ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè

34 ÒÑÌ ÝÛ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò ÝËÎÎÛÒÌ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì»»ø ²¼ ²² ½»² ¹»» ¼ø ¼ ½ ±»¼ ¾±ª»»» ±ºº»»¼ ²» ³±»½»²»ª»² ½»²¼ ¼ ô ²¼»» ½½ ±º date of opening ò ̱ ±¾ ² ½²» ²¼ ²² ½»² ¹»» ¼ ²º± ³ ±²ô»» ½ øèðð îççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò º¼ðºº½çî󻽺èìîé» ó ø«²ª» ±²»¼ ïè³±½¼ Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè

35 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ îì Ó±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ü ½ ± Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«².85 û ² ²² ½»² ¹»» ¼ øßðç ±º.85 ûò DZ«¾» ¼» «² ³ «ò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» compound daily ²¼ ¾» credited to your account quarterly ò Ì» ²² ½»² ¹»» ¼ «³» ²»»»³ ² ±² ¼» ± «² ³ «ò ß ¼»¼«½»» ² ²¹ ò º ²»» ½»¼»¼ ± ²±» ½½±«² ± ¼ ± ±«¾ ½»½µô ³»¼«½»» ² ²¹ ²¼ ³ ²»¹»»»ºº»½ ±º ²»» ½±³ ±«²¼ ²¹ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò Ì» ¼ ¾ ²½»» »² ½ ½«²¹ ²»»» ½±»½»¼ ¾ ²½»ò Ì ³» ²» ±² ²½ «¼» ±» º«²¼ º± ½» ª» ½ ½» ª»¼ ³»²»²» ¼»» ³ ²»» ¾ ²½» ±² ½ ²»» ¼ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ²±» ²» ¾«²» ¼»»½» ª» ½»¼ º±» ¼» ± ±º ²±²½»³ øº±» ³»ô ½»½µ ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼ º ±³ ±«½½±«² «²» ³ «¼»ò Ü» ± ³ ¾» ³ ¼» ² üïôðððòðð ²½»³»² ô «± ± ±º üîëôðððòðð ²» º º ±º»» ³ ±º» ½» º ½» ±º ¼» ± ò ß¼¼ ±² ¼» ± ²± ½ ²¹»» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 24 months ò ÛßÎÔÇ É ÌØÜÎßÉßÔ ÐÎÑÊ Í ÑÒÍ É» ³ ±»»² º ±«¼ ² ± ±º» º«²¼ ¾»º±»» ³ «¼»ò Ì»»² ³ ±»¼» «îû ±º» ³±«² ¼ ²ò ß²» ¼»² ³ ²ª ¼» ²½ ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ Ç±«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò»ê¾ïïðð󻽺èìîé» ó ø«²ª» ±²»¼ îì³±½¼ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè

36 º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ ÒÑÌ ÝÛ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò ÝËÎÎÛÒÌ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì»»ø ²¼ ²² ½»² ¹»» ¼ø ¼ ½ ±»¼ ¾±ª»»» ±ºº»»¼ ²» ³±»½»²»ª»² ½»²¼ ¼ ô ²¼»» ½½ ±º date of opening ò ̱ ±¾ ² ½²» ²¼ ²² ½»² ¹»» ¼ ²º± ³ ±²ô»» ½ øèðð îççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò»ê¾ïïðð󻽺èìîé» ó ø«²ª» ±²»¼ îì³±½¼ Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè

37 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ íê Ó±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ü ½ ± Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«² 1.10 û ² ²² ½»² ¹»» ¼ øßðç ±º 1.11 ûò DZ«¾» ¼» «² ³ «ò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» compound daily ²¼ ¾» credited to your account quarterly ò Ì» ²² ½»² ¹»» ¼ «³» ²»»»³ ² ±² ¼» ± «² ³ «ò ß ¼»¼«½»» ² ²¹ ò º ²»» ½»¼»¼ ± ²±» ½½±«² ± ¼ ± ±«¾ ½»½µô ³»¼«½»» ² ²¹ ²¼ ³ ²»¹»»»ºº»½ ±º ²»» ½±³ ±«²¼ ²¹ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò Ì» ¼ ¾ ²½»» »² ½ ½«²¹ ²»»» ½±»½»¼ ¾ ²½»ò Ì ³» ²» ±² ²½ «¼» ±» º«²¼ º± ½» ª» ½ ½» ª»¼ ³»²»²» ¼»» ³ ²»» ¾ ²½» ±² ½ ²»» ¼ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ²±» ²» ¾«²» ¼»»½» ª» ½»¼ º±» ¼» ± ±º ²±²½»³ øº±» ³»ô ½»½µ ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼ º ±³ ±«½½±«² «²» ³ «¼»ò Ü» ± ³ ¾» ³ ¼» ² üïôðððòðð ²½»³»² ô «± ± ±º üîëôðððòðð ²» º º ±º»» ³ ±º» ½» º ½» ±º ¼» ± ò ß¼¼ ±² ¼» ± ²± ½ ²¹»» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 36 months ò ÛßÎÔÇ É ÌØÜÎßÉßÔ ÐÎÑÊ Í ÑÒÍ É» ³ ±»»² º ±«¼ ² ± ±º» º«²¼ ¾»º±»» ³ «¼»ò Ì»»² ³ ±»¼» «îû ±º» ³±«² ¼ ²ò ß²» ¼»² ³ ²ª ¼» ²½ ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ Ç±«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò ë¾î¼¾ê¾ë󻽺èìîé» ó ø«²ª» ±²»¼ íê³±½¼ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè