Deposit Products

SAVINGS BANK DEPOSIT | CURRENT ACCOUNT | FIXED DEPOSIT | INSTITUTIONAL WHOLESALE DEPOSIT | Baroda RAWARAWA (RECURRING) DEPOSIT| SENIOR CITIZEN SAVINGS DEPOSIT SAVINGS BANK DEPOSIT FOR MANY OTHER BANKING RELATIONSHIP Cultivate a habit of banking. Suitable for: Individuals, Salaried people, Non-Resident Indians, PF and Trust etc. Features: No minimum and maximum period Cheque book facility available Minimum balance for opening/maintaining an account: F$ 50/- ONLY Interest paid on the minimum balance during the month

Minors, Trusts, Pensioners, Clubs, Societies,

Special Features: Easy to operate. Flexibility in deposit and withdrawal in terms of amount. Flexibility in terms of number of deposits and number of withdrawals. Allows execution of your Standing Instructions Access to other facilities, viz., collection of cheques, remittances, lockers etc. Nomination facility available Free transfer of funds to your account and immediate family members (like parents, dependent children and spouse) from one branch to another in Fiji. Instant Payment without any charge at any branch in Fiji.

CURRENT DEPOSIT : FOR BUSINESS MEN WHEN YOUR EVERY DAY NUMBER OF DEPOSITS / WITHDRAWALS ARE TOO MANY AND WHEN YOU REQUIRE AN OVERDRAFT FACILITY TO MEET YOUR BUSINESS REQUIREMENT

Suitable for: Traders, Businessmen, Minors over 14 years, Corporates, HUF, Proprietorship / Partnership Firm, Trusts, Private / Public Limited Companies, Clubs, Associations, Societies, Individuals etc. Features: No minimum and maximum period Cheque book facility available Minimum balance F$. 500

Special Features: Easy to operate.

Minimum formalities (hassle free) while opening of your account. No restrictions on number and amount of withdrawals. Facility for collection of cheques Facility of Overdraft / Loan as per Bank's Extant guidelines. Allows execution of your Standing Instructions Collection of 3rd party cheques Access to other facilities, viz., collection of cheques, remittances, lockers etc. Computerised monthly statement of accounts available

FIXED DEPOSIT FOR YOUR LONG TERM SAVINGS INVESTMENT LONGER THE PERIOD HIGHER THE YIELD Suitable for: Individuals, Salaried class, Traders, Businessmen, HUF, NRIs, Professionals, Pensioners, Corporates, Charitable Trusts, Educational Institutions, Voluntary Organisation etc. Features: Minimum deposit amount of F$. 500/-. From a minimum period of 1 months to a maximum period of 120 months Facility of Overdraft / Loan against deposit amount (upto 90% of amount of the deposit) to meet short-term requirement. For such advance against deposits, Interest Rate shall be 2.5% over the Deposit Rate.

Special Features: Higher yield than Short Deposit with Easy liquidity. Access to Safe Deposit Lockers Accepted as a Security by Govt. Department Accepted as margin for Non-fund based facilities. Nomination facility available Easy transfer of accounts from one branch to any other branch of the bank. Prepayment is allowed as per norms

INSTITUTIONAL WHOLESALE DEPOSIT AN IDEAL OPTION FOR ALL YOUR TRANSITORY SAVINGS TO MEET YOUR REQUIREMENTS Suitable for: Corporates, Voluntary Organisations, Institutions etc.

Features:
Minimum deposit amount of F$.100,000/From a minimum period of 15 days to a maximum period of less than 12 months.

Facility of Overdraft / Loan against deposit amount (upto 90% of amount of the deposit at @2.5% per annum over deposit rate) to meet short-term requirement as per Bank's Extant guidelines. Prepayment of deposit amount allowed affording interest at @1% below the rate applicable for the period deposit has run with the Bank with a minimum charge of F$10. Where interest payable is less than above deduction no interest will be paid. However, there will be no Penal Interest, if the prematurely withdrawn deposit is reinvested for a period longer than the remaining period of the original contract of the deposit.

Special Features: Higher yield than Savings Bank Deposit / Current Deposit Easy liquidity. Accepted as a Security. Nomination facility available

Baroda RAWARAWA (RECURRING) DEPOSIT FOR A FIXED AMOUNT : REGULAR SAVINGS WITH HIGHER YIELD Suitable for: Individuals, Students, Minors, Salaried class, Factory Workers, Traders / Businessmen, Clubs, Associations, Educational Institutions, Housewives and others. Features: Minimum deposit amount of F$ 25/- per month or in multiples of F$ 25/-. The number of monthly installments can be minimum 12 or in multiples of 12 i.e., 12, 24, 36, 48, 60, 72, 84 and 120. The installment for any calendar month can be paid on or before the last working day of that month. Installments are accepted at any of the branches of the Bank in Fiji. Facility of Overdraft / Loan (subject to minimum of F$500/-) against deposit amount (upto 90% of amount of the deposit) to meet short-term requirement. Prepayment of deposit amount allowed affording interest at @1% below the rate applicable for the period deposit has run with the Bank with a minimum of F$ 10. Incase of prepayment before one month no interest will be paid. Interest compounded half-yearly Nomination facility available. Interest Rate & Annualized Return (percentage) Period in Months Interest Rate(%) Annualised Return(%) 12 24 36 48 60 72 84 120

2.00 2.05

2.25 2.35

2.50 2.60

3.00 3.10

3.50 3.70

3.75 4.00

4.00 4.35

4.00 4.55

Maturity Table Fixed Monthly Instalment 25 50

12

24

36

48

60

72

84

120

303 606 909

614

935

274 2548 3822

1638

2016 4032 6048

2420 4840 7260

3680 7360 11040

1228 1842

1870 2805

3276 4914

75

100

1212

2456

3740

5096

6552

8064

9680

14720

SENIOR CITIZEN SAVINGS DEPOSIT For Senior Citizens : Salient features : Total waiver of all Fees / Charges. Attractive Interest of 1.10% p.a. Free Cheque book facility. Free collection of all Cheques/Instruments Fiji wide. Free Transfer of funds Fiji wide. Minimum Balance F$20 only.

Other Privileges to Senior Citizens : Additional Interest of 0.5% over card rate on all term deposits. Total Personalized services at all branches. Allotment of Lockers at concessional rate (25%). Retirement Benefits plan - FNPF investment (55 years & above).

For Charitable Institutions, ReligiousOraganisations, Trusts, NGO's, Employees Unions, Voluntary and Sport Organisations : Salient features : All foreign remittances would be credited without any charges. Free collections of instruments payable within Fiji. Free Cheque book facility. Instant Cash payment upto F$ 1,000/-. Any number of withdrawals without any charge/fee. Unrestricted number of transfer of funds from your saving bank account to another account Fiji wide. Attractive Rate of Interest @ 1% p.a. on Cheque Account & above all Excellent Personalised Service.