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You'll be able to create as many Savings Vaults as you like. The total balance of all your Savings Vaults will determine the interest rate you earn per our rate structure. We'll determine the interest rate applicable to your Savings by making a weighted average of your balance and rates.

To see the details on how our current Savings Vaults rates, refer to our Promotional Terms & Conditions.

See below an example on how to calculate your Savings Vault rate. For this example, we'll assume the following data. This is only an example. To see our current Savings Vaults rates, refer to our Promotional Terms & Conditions:

• Rate applicable to your first $25,000.00: 15.00% = T1
• Rate applicable to $25,000.01 up to $1,000,000.00: 7.50% = T2
• Rate applicable above $1,000,000.01: 5.00% = T3
• Total balance in Savings Vaults: $1,300,000.00 = $25,000.00 with T1 + $975,000.00 with T2 + $300,000.00 with T3
• Weighted Rate Formula: T1 x ($25,000.00 / $1,300,000.00) + T2 x ($975,000.00 / $1,300,000.00) + T3 x ($300,000.00 / $1,300,000.00)
• Weighted Rate = 15.00% x ($25,000.00 / $1,300,000.00) + 7.50% x ($975,000.00 / $1,300,000.00) + 5.00% x ($300,000.00 / $1,300,000.00) = 7.07%