Point 5 (Forms of CDs and transferring)
The CDs shall be registered, and issued in book-entry form. The maximum tenor of CDs shall be three years.
The CDs issued in non-negotiable form shall not be transferred
without the prior consent of the Bank.CDs shall not be transferred until account transfer procedures have been completed at the Department of Banking of the Bank (hereafter referred to as "Department of Banking").

Point 12 (Early termination of CDs)
The principal and interest of the CDs will br epaid in one lump sum upon maturity. Early termination of CDs is not allowed unless with the Bank’s consent.
The calculation of accrued interest on early terminated CDs will be based on the actual number of days held and the lower value of the coupon rate or the offer rate of a CD with the nearest but shorter tenor as announced by the Bank at the time the early terminated CD was issued.No interest will be accrued for a holding periods less than 28 days.