NCDs are invested for a fixed period ranging from 3 to 60 months.
The NCD can be invested at a fixed rate where interest will be paid at the end of each year or bi-annually if the investment is for longer than 12 months.
Clients who choose the floating rate option or Floating Rate Note (FRN) can receive the interest quarterly when the interest rate resets.
The investment certificate can be used as security when applying for a loan.
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