Bond Regular Disclosure Due Date IFA-K

What is the interest rate?

The interest rate varies depending on the bid price and maturity.

Your account balance | AER Interest Rate/Annual Total (Variable):
1 - 3.5 P bid increase / 20-year maturity: Annual 2.25%, 20-year maturity 22.5%
4 - 10 P bid increase / 20-year maturity: Annual 2.30%, 20-year maturity 25%
Over 10.5 P increase / 20-year maturity: Annual 2.35%, 20-year maturity 25.5%

We appreciate your interest. [Note: Table 1]

Our interest rate is issued as a bond that is paid upon maturity. Before the maturity date, you have the right to freely trade this right in a registered market. You can choose to have interest paid on this account by adding interest or requesting interest to be paid to another Macqwerty company account / ICA bond account (if interest can be paid to that account) or to a current account.

Can the interest of IFA-K change?

The maturity interest rate cannot change, but the annual interest rate can change, meaning it can be adjusted up or down.

The following sections in Macqwerty's general terms and conditions explain when we can do this and how we will notify you:

• 'Changes in interest rates and other account terms and conditions'

• 'How will we notify you of interest rate changes?'

You can also check the current rates online or contact your business representative or the head office in your country. Macqwerty.com

What can the annual estimated balance be?

Initial Deposit | AER Interest Rate | Balance after 12 months:
$1,000 | 2.25% | $1,022.50
$10,000 | 2.30% | $10,230.00
$50,000 | 2.35% | $51,175.00

This table shows what the future balance might look like, assuming:

• No further third-party deposits or withdrawals.

• The indicated interest rate doesn't change.

• Interest is deposited into the account.

Maturity status:

Maturity Date | IFA-K 201503 Rate 158.5-180.5 | Balance after certain months:
203503 | 22.5% | $ USD
203503 | 25% | $ USD
203503 | 25.5% | $ USD

This table shows what the future balance might look like, assuming:

• No further third-party deposits or withdrawals.

• The indicated interest rate doesn't change.

• Interest is deposited into the account.

Maturity Information for Fixed-Term Bond Product
Interest Rate Terms
The maturity is set at a term of 20 years, maturing in 2035. The IFA monthly product 'P' listed on the market is rolled over at the end of the month and relisted.

AER represents the Annual Equivalent Rate, indicating what the interest rate would be if interest were paid and compounded once a year.
Annual Total
This is the interest rate excluding taxes.

How your account is handled for tax purposes varies depending on your individual situation. All tax information is based on our understanding of current laws and the practices of HM Revenue & Customs, both of which are subject to change. For more information, visit Macqwerty.com.

The interest rates and information in this summary box have been applicable since March 1, 2015.