Fixed-term deposit means keeping in the bank a specific amount of money as determined on the day of making the deposit agreement and the possibility to monthly increase your income with the interests paid by the bank for the amount kept.

Conditions of fixed-term deposits:

• Fixed-term deposits are accepted in litas, euros, USD or Great Britain pounds;
• Minimum amounts of fixed-term deposits: 400 litas, 100 euros, 100 USD or 100 GBP;
• Interests are paid for fixed-term deposits; they can be cashed out at the bank’s cash desk or transferred to another account: each month (for previous calendar month), every three calendar months, at expiry of the deposit agreement.

Annual interest rates for fixed-term deposits (%) for private persons are as follows:

Period in Days	Period in Months	LTL	EUR	USD	GBP
7-29	0-1	0,10	0,10	0,10	0,10
30-59	1-2	0,20	0,20	0,20	0,15
60-89	2-3	0,30	0,30	0,25	0,20
90-119	3-4	0,40	0,40	0,30	0,25
120-149	4-5	0,50	0,50	0,45	0,30
150-179	5-6	0,70	0,70	0,50	0,35
180-209	6-7	1,30	1,20	0,55	0,45
210-239	7-8	1,30	1,20	0,65	0,55
240-269	8-9	1,30	1,20	0,75	0,65
270-299	9-10	1,40	1,30	0,90	0,75
300-329	10-11	1,40	1,30	0,95	0,80
330-359	11-12	1,40	1,30	1,00	0,85
360-389	12-13	1,50	1,50	1,10	0,90
390-449	13-15	1,50	1,50	1,10	0,90
450-569	15-19	1,50	1,50	1,10	0,90
570-629	19-21	1,50	1,50	1,10	0,90
630-719	21-24	1,50	1,50	1,10	0,90
720-1079	24-36	1,50	1,50	1,10	0,90
1080-1409	36-47	1,50	1,50	1,10	0,90
1410-1799	47-60	1,50	1,50	1,10	0,90
1800- ir <	60- ir <	1,50	1,50	1,10	0,90

How Fixed-Term Deposit Account Can Be Opened?
To open a fixed-term deposit account, you should visit your nearest client servicing divisions or branch. It is necessary to have all the documents necessary for opening a bank account.

Setting of deposit (making of deposit agreement) can also be done via the Internet banking system.

If you want to set a fixed-term deposit via the Internet banking system, you will have to make with the bank an agreement on online management of account and get familiar with the service rules. If you do not have bank account or agreement on online management of account, please visit the nearest client servicing divisions or branch. It is necessary to have all the documents necessary for opening a bank account.

Consumer deposit is a convenient saving method, since it allows taking a part of the accrued amount in cash or transferring it to other account during the deposit period without losing interests.

Conditions of consumer deposits:

• Consumer deposits are accepted in litas, euros and USD;
• Minimum period of consumer deposit is 6 months;
• Maximum period of consumer deposit is 25 months;
• Minimum amount of consumer deposit is 100 000 litas, 30 000 euros or 30 000 USD;
• Up to 15 % of deposit amount can be taken from consumer deposit account during a deposit period, but not more frequently than once per 30 days (from the day of repayment of the last portion of deposit), and the balance cannot be lower than the minimum amount of consumer deposit;
• Starting amount of consumer deposit shall not be lower than the minimum amount of consumer deposit;
• Amount of consumer deposit can be at any time increased with additional contributions;
• Minimum amounts of additional contributions: 100 litas, 30 euros or 30 USD;
• Minimum amount of consumer deposit and amount of additional contribution in a foreign currency shall be calculated according to exchange rate of litas and the foreign currency as set by the Bank of Lithuania on transaction day;
• Interests shall be paid for consumer deposit, and they can be cashed out at the bank’s cash desks or transferred to another account: each month (for previous calendar month), every three calendar months, at expiry of deposit agreement.

Annual interest rates for consumer deposits (%) for private persons:

Period in Days	Period in Months	LTL	EUR	USD	GBP
180-760	6-25	1,30	1,30	0,70	0,00

If you do not arrive to the bank at expiry of consumer deposit agreement, the agreement will be extended for the same period and at the interest rate applied by the bank on the day of the extension for the balance of the consumer deposit and accrued interests.
Consumer deposit account can be opened by:

• A person on his / her own behalf;
• A person on behalf of other person or acting as agent of other person under a power of attorney confirmed by notary public;
• A few persons – joint owners of the account.

How Consumer Deposit Account Can Be Opened?
To open a consumer deposit account, you should visit your nearest client servicing divisions or branch. It is necessary to have all the documents necessary for opening a bank account.

Setting of consumer deposit (making of deposit agreement) can also be done via the Internet banking system.

If you want to set a consumer deposit via the Internet banking system, you will have to make with the bank an agreement on online management of account and get familiar with the service rules. If you do not have bank account or agreement on online management of account, please visit the nearest client servicing divisions or branch. It is necessary to have all the documents necessary for opening a bank account.

Deposits kept in the Medicinos Bankas are insured by Indėlių ir Investicijų Draudimas VĮ (State Company Deposit and Investment Insurance) in accordance with the Law on Insurance of Deposits and Liabilities to Investors, which provides insurance of deposits of natural and legal persons in litas, euros, USD and national currencies of Member States of the European Union.

In case of an insured event you will be provided with reimbursement amounting to 100 per cent of the deposit in Litas corresponding to an amount of up to 100,000 Euro.

For details on the system of insurance of deposits and liabilities to investors, please visit the website www.iidraudimas.lt