~snip~
.. And if they are giving only 4% per annum roi per year to us i also think its truly better or shall i call best if we invest on banks while they are giving 8% per 2 years payout with plus additional income from dividends, Just inquire to BDO i believe theirs a bank near you to clarify that.
It seems to me that Bitcointalk is not the best place to advertise bank services
Anyway, income from deposited Bitcoins on Freebitco.in is added to the balance everyday, so you don't have to keep your money all year. You can withdraw funds in any moment with earned BTC.