(Effective 17^th August 2009)

Prime Lending Rate                                                10.00% p.a.

DEPOSIT RATES:

CALL                                                                     2.50-3.50% p.a.

LITSALA

31/32 Days Notice                                                     3.75% p.a.

60 Days Notice                                                           4.00 % p.a.

88/90 Days Notice                                                      4.25% p.a.

120 Days                                                                    4.35% p.a.

FIXED DEPOSITS:

6 Months Fixed                                                            4.25% p.a.

12 Months Fixed                                                          4.10% p.a.

24 Months Fixed                                                          4.00% p.a.

Minimum Balance E50, 000.00. Interest paid on maturity.

SAVINGS RATES:

Savings rates are tiered depending on account balance.

Special rates on wholesale deposits in excess of E1, 000,000-00 are available on request.