a bank with national presence is rolling out an offer to its clients who have $ 50k plus in their savings account. the offer is as below: 1. the clients of the bank will be able to invest up to 50 % of the amount available in their savings account to a fixed deposit which will provide more than the prevailing interest. 2. however, the minimum amount which can be invested in the fixed deposit will be $ 10,000.00, the client will be able to invest from $ 10,000.00 up to a maximum of 50% of the amount available in his / her savings account. 3. the lock in period for fixed deposit and additional interest to be paid by the bank will be as below : a). fixed deposit six months and above - 1 % more than the prevailing rate for the fixed deposit. b). fixed deposit twelve months and above - 1.5 % more than the prevailing rate for the fixed deposit. c). fixed deposit twenty-four months and above - 2 % more than the prevailing rate for the fixed deposit. 4. at the time of investing the money in the fixed deposit, the customer can choose from two options a). lock the term of the deposit ( if the client breaks the term of the deposit, then the client will get back the principal amount only, no interest ). b). client wants flexibility to be able to break the term of the contract in case of some emergency ( if the client breaks the term of the deposit , then the client will get back the principal amount plus fifty ( 50 % ) percent of the interest payable as on the date the term of the deposit is broken ).