Right for you if you want: Interest payment at maturity or annually for Terms of 2 years or more Terms from 90 days to five years These safe and secure investments are available in a full range of terms and are redeemable at maturity. With our Fixed Term Deposits you will earn a competitive guaranteed rate of interest, based on the term selected. Available Terms: 90 - 179 days 18 months 4 years 180-364 days 2 years 5 years 1 year 3 years Minimum Balance Required: $2,500 XCD Early Redemption: not allowed Interest Payment Frequency: at maturity or annually for terms of +2 years 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 90 - 179 days $1,000 (USD) At Maturity Please refer to your CERTIFICATE OF DEPOSIT Confirmation Form 180 - 364 days $1,000 (USD) At Maturity 1 year $1,000 (USD) At Maturity 18 months $1,000 (USD) At Maturity 2 to 5 years $1,000 (USD) Annually * 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.