The Royal Bank of Scotland Limited has announced the following rates of return on various Deposits and Savings accounts, to be used to determine the profits on PLS deposits maintained with the Bank for the period, July01, 2009 to December31, 2009. These rates are however subject to the terms and conditions of the following accounts.

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Indicative Deposit Profit Rates (July - December 2009)

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PAK RUPEES SAVINGS ACCOUNTS

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Classic Savings                Profit Payment Frequency

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Tiers                                           Monthly

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PKR 0 - 9,999,999                                 5.00%

PKR 10,000,000+                                       -

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Profit calculation on daily balance

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Anchor Savings                 Profit Payment Frequency

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Tiers                              Monthly    6 Monthly

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PKR 0 - 4,999,999                     5.00%       5.00%

PKR 5,000,000 - 9$99,999              6.50%       7.25%

PKR 10,000,000 +                                      -

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Profit calculation on minimum monthly balance

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Access Savings                 Profit Payment Frequency

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Tiers                                           Monthly

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PKR 0 - 9,999,999                                 5.00%

PKR 10,000,000+                                       -

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Profit calculation on minimum monthly balance

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Home Deposit                   Profit Payment Frequency

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                                                Monthly

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Only for clients availing a

mortgage loan facility                            6.50%

Profit calculation on daily balance

RBS Overnight Rate for Call Deposits in PKR   0.55% pa.

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PAK RUPEES TERM DEPOSIT

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Tier 1: PKR 100,000 - 499,999

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Profit Payment Frequency

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Tenor       Monthly              Quarterly            Half-yearly                    Annually

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1 Month     10.00% upto 11.10%

3 Months    9.95% upto 11.00%    10.05% upto 11.15%

6 Months    9.90% upto 10.85%    10.00% upto 11.00%   10.15% upto 11.20%

1 Year      10.25 upto 11.20%    10.35% upto 11.35%   10.5% upto 11.55%    10.80% upto 11.90%

2 Years     10.50% upto 10.70%   10.65% upto 10.80%   10.85% upto 11.00%   11.20% upto 11.35%

3 Years     10.60% upto 10.95%   10.75% upto 11.10%   10.95% upto 11.30%   11.30% upto 11.65%

4 Years     11.15%               11.30%               11.50%                           11.85%

5 Years     10.75% upto 11.35%   10.9% upto 11.50%    11.10% upto 11.70%   11.45% uptO 12.10%

7 Years     11.70%               11.85%               12.05%                           12.45%

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Tier 2: PKR 500,000 - 2,999,999

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Profit Payment Frequency

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Tenor       Monthly              Quarterly            Half-yearly                    Annually

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1 Month     10.10% upto 11.20%

3 Months    10.05% upto 11.10%   10.15% upto 11.25%

6 Months    10.00% upto 10.95%   10.10% upto 11.10%   10.25% upto 11.30%

1 Year      10.35% upto 11.30%   10.45% upto 11.45%   10.60 uptO 11.65%    10.90% upto 12.00%

2 Years     10.60% upto 10.75%   10.75% upto 10.90%   10.95% upto 11.10%   11.30% upto 11.45%

3 Years     10.75% upto 11.05%   10.90% upto 11.20%   11.05% upto 11.40%   11.40% upto 11.75%

4 Years     11.25%               11.40%               11.60%                           11.95%

5 Years     10.85% upto 11.45%   11.00% upto 11.60%   11.20% upto 11.80%   11.55% upto 12.20%

7 Years     11.80%               11.95%               12.15%                           12.55%

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Tier 3: PKR 3,000,000 - 9,999,999

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Profit Payment Frequency

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Tenor       Monthly              Quarterly            Half-yearly                    Annually

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1 Month     10.20% upto 11.30%

3 Months    10.15% upto 11.20%   10.25% upto 11.35%

6 Months    10.10% upto 11.05%   10.20% upto 11.20%   1035% upto 11.4%

1 Year      10.40% upto 11.35%   10.55% upto 11.50%   10.70% upto 11.70%   11.00% upto 12.10%

2 Years     10.75% upto 10.85%   10.90% upto 11.00%   11.05% upto 11.20%   11.40% upto 11.55%

3 Years     10.80% upto 11.15%   10.95% upto 11.30%   11.15% upto 11.50%   11.50% upto 11.85%

4 Years     11.35%               11.50%               11.70%                           12.05%

5 Years     10.95% upto 11.55%   11.10% upto 11.70%   11.30% upto 11.90%   11.65% upto 12.30%

7 Years     11.90%               12.05%               12.25%                           12.65%

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Tier 4: PKR 1,000,000 Plus

-- Rate of the immediately preceding slab / tier would apply unless negotiated rates are offered.

-- Negotiated rates will be market based rates and will be applicable on a group relationship basis.

FCY SAVINGS ACCOUNTS

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                            Profit Payment Frequency

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                                         Half-yearly

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FCY Savings- FE 25                  0.10% upto 0.50%

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Profit calculation on a minimum monthly balance

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                            Profit Payment Frequency

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                                         Half-yearly

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FCY Savings- FE 25                             0.10%

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Profit calculation on a daily balance

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Please note for all the above categories:

1) Early encashment of a time deposit is subject to penalty which may result in loss of principal amount.

2) Rate offering to a customer may differ as a result of agreement between the concerned customer and the Bank.

3) Irrespective of amount, FCY Term Deposit rates will be negotiated rates between the customer and the Bank.

4) Irrespective of amount, for all tenors less than 1 month, the Term Deposit rate will be negotiated between the customer and the Bank.

Make it happen TM RBS.

Copyright Business Recorder, 2010