1. 15/08/2014PTC, Mys-101.1.1 Time Deposit

2. SB-3 and Pay in slip to be filled in The following documents are compulsory – One copy of recent photograph – Identity Proof – Address Proof Limit: – Minimum- ` 200/- and in multiple of ` 200 – Maximum – no limit. 15/08/2014 PTC, Mys-10 Account Opening 1.1.2

3. Type of account – Single adult – Two adults jointly – Minor- 10 years – Guardian on behalf of minor Mode of deposit- Cash or cheque Subsequent deposit & withdrawal – not allowed. 15/08/2014 PTC, Mys-10 1.1.3 Account Opening

4. Current Interest rate – 1 year Time Deposit Account 8.4 % – 2 year Time Deposit Account 8.4 % – 3 year Time Deposit Account 8.4 % – 5 year Time Deposit Account 8.5 % PPT 5.20.2 RULE NO : 132 POSB Manual Volume -I 15/08/2014PTC, Mys-101.1.4 Account Opening

5. TD Interest Table PERIODRATE OF INTEREST PER ANNUM FromTo1 Year2 Years3 Years5 Years 01/03/200128/02/20027.5%8%9% 01/03/200228/02/20037.25%7.5%8.25%8.5% 01/03/200330/11/20116.25%6.5%7.25%7.5% 01/12/201131/03/20127.7%7.8%8%8.3% 01/04/201231/03/20138.2%8.3%8.4%8.5% 01/04/201331/03/20148.2% 8.3%8.4% 01/04/2014Till Date8.4% 8.5% 15/08/2014PTC, Mys-101.1.5

6. Interest is compounded quarterly and payable annually. Premature closure allowed – Within 1 year - Simple interest at SB rate – After 1 year- Reduced rate of interest Post maturity interest at applicable SB rate is payable. PPT 5.20.2 RULE NO : 132 POSB Manual Volume -I 15/08/2014PTC, Mys-101.1.6

7. Exercise Exercise No.3.4.1 15/08/2014PTC, Mys-101.1.7

8. Procedure same as opening of new Savings Bank Account except no introduction is necessary. If opened by cheque, account will be opened on realization of cheque. 15/08/2014 PTC, Mys-10 1.1.8 Account Opening

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10. 15/08/2014PTC, Mys-101.1.10

11. Exercise Exercise No.3.4.2 15/08/2014PTC, Mys-101.1.11

12. Within one year –Simple interest at SB rate Interest shall be paid for completed years and month Shall carry interest 1% less than the rate specified for completed years TD from the date of deposit to the date of closure – Completed Yearsas per table – Completed Monthsas per reduced rate RULE NO : 133 & 140 POSB Manual Volume -I TD PMC Closure 15/08/2014PTC, Mys-101.1.12

13. Exercise Exercise No.3.4.3 15/08/2014PTC, Mys-101.1.13

14. Final closure on maturity All Head and Sub Postmasters can close the account independently Procedure as in the case of Savings Account Interest due, if any, determined Post Maturity Interest if any to be calculated on amount due at SB rate. RULE NO : 133 & 140 POSB Manual Volume -I 15/08/2014PTC, Mys-101.1.14

15. Renewal of TD In CBS POs matured TD can be automatically renewed for the period for which the account is initially opened Interest rate applicable on the day of maturity will be applied 15/08/2014PTC, Mys-101.1.15

16. Exercise Exercise No. 3.4.4 15/08/2014PTC, Mys-101.1.16

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