1. Credit institutions shall multiply by 10 % other retail deposits, including that part of retail deposits not covered by Article 24, unless the conditions laid down in paragraph 2 apply.
2. Other retail deposits shall be subject to higher outflow rates, as determined by the credit institution, in accordance with paragraph 3, where the following conditions are met:
(a) the total deposit balance, including all the client's deposit accounts at that credit institution or group, exceeds EUR 500 000;
(b) the deposit is an internet access-only account;
(c) the deposit offers an interest rate that fulfils any of the following conditions:
(i) the rate significantly exceeds the average rate for similar retail products;
(ii) its return is derived from the return on a market index or set of indices;
(iii) its return is derived from any market variable other than a floating interest rate;
(d) the deposit was originally placed as fixed-term with an expiry date maturing within the 30 calendar day p
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