Right for you if you want: To access your savings anytime (after 31 days) Select a one-year term while maintaining the option to withdraw your funds at any time after 31 days (at a reduced rate of interest) should an unexpected need arise. Available Terms: 1 year Minimum Balance Required: $7,500 XCD Early Redemption Allowed: after 31 days (early redemption rates will apply) Interest Payment Frequency: at maturity or when redeemed Rates and Fees Personal Financial Services Agreement Rates & Fees Schedule Anguilla (USD) Effective Date: July 12, 2019 This schedule of interest rates and fees (“schedule”) forms part of the Agreements, which include the Personal Financial Services Agreement booklet and the Deposit Account Agreement. Terms used in this schedule have the same meaning as in the Agreements unless otherwise indicated. We can amend, change, modify, add or remove any of the rates, fees, benefits, features and services that are set out in this schedule. If we do, we will notify you of any changes in accordance with the Agreements. AVAILABLE TERM MINIMUM CERTIFICATE OF DEPOSIT BALANCE REQUIRED INTEREST PAYMENT FREQUENCY INTEREST RATE 1 year $3,000 (USD) At Maturity or when redeemed Please refer to your CERTIFICATE OF DEPOSIT Confirmation Form * Balance must not drop below the Fee waiver amount in order for fees the be waived. ** Overdraft calculation is based on 365 days for all account types. *** Notwithstanding what is indicated on page 3 in the Interest rates and interest calculations section of the PFSA (April 2019) booklet, interest on the Savings accounts and Speciality Accounts is calculated by using the lowest Account balance during the month and is paid to the Account on the last business day of the month. The interest calculation and payment frequency set out in this Rates & Fees Schedule amends and replaces the wording on page 3 of the PFSA (April 2019) booklet.