Tenor 5 Years

Rate Minimum of 5% for individual clients. Please contact your nearest branch for corporate rates and updated rates.

Interest Frequency Monthly, Quarterly, Semi-Annual or Annual

Minimum Placement PHP 100,000

Deposit Coverage Insured by PDIC up to PHP 500,000.00 per depositor

Pretermination Policy Applicable rate as follows : < 25% of the term = Savings Rate (0.10%)

25% to less than 50% of the term = 25% of the given rate

50% to less than 75% of the term = 50% of the given rate

75% to less than 100% of the term = 75% of the given rate Client will shoulder the documentary stamps Subject to graduated taxation

Taxation Tax exemption – for INDIVIDUALS (only if held until maturity)

If preterminated, graduated taxation will apply depending on the holding period: Term/Maturity Witholding Tax 4 years to less than 5 years 5% 3 years to less than 4 years 12% Less than 3 years 20%

Documentation Certificate of Time Deposit (CTD) and

Addendum to CTD

Other Features Can be used as LOAN COLLATERAL with the Bank subject to Bank’s guidelines

Benefits Individual Investors will receive tax-exempt interest

Competitive Rate

Insured with PDIC for PHP500k per depositor

Flexible interest pay-out terms