At the end of every month, the Bank of Wayland determines the minimum amount of money each depositor has had in their account during the month. Each depositor is given 1% of this amount as interest. In addition, depositors draw lots to determine bonuses. One in 200 depositors get their deposits increased by 50% each month. One in 2,000 depositors get their deposits multiplied by 5 each month.
The Bank of Wayland offers loans at a 2% interest rate per month. Be warned: this is equivalent to a 26.8% annual interest rate.