Prices and interest rates

Interest for the sale period
The interest is calculated on the lowest balance of the month by calendar month. No interest is paid for the opening and termination month of the account if the funds have not been in the account for the entire opening or termination month.

Interest for the InterestExtra period
The interest for each InterestExtra period is determined in advance at the beginning of the sale period. The interest is fixed for the entire 12-month period and it is paid on the lowest balance of the InterestExtra period according to actual calendar days. The interest is paid on the savings that were in the account on the last day of the sale period at the latest.

After the 12-month InterestExtra period the account continues automatically with the sale period interest. The interest rate percentage for the possible following InterestExtra period is determined during the sale period.

Impact of withdrawals on interest calculation
The funds withdrawn during the ongoing 12-month InterestExtra period do not accrue interest from the start date of the InterestExtra period to the withdrawal date.

A withdrawal decreases the interest rate percentage agreed on at the beginning of the interest period by 1/12. The deduction of the interest rate percentage is made only once in a calendar month irrespective of the number of withdrawals made in that calendar month. The decreased interest rate percentage is paid on the remaining capital from the beginning of the InterestExtra period.

The deduction of the interest rate percentage is equal in size during different calendar months. The deduction is calculated of the original interest rate percentage determined at the beginning of each period.

*) InterestExtra period 1 May 2012 - 30 April 2013