Pre-termination policy for Time Deposits is specified in the table below:
| MATURITY DATE | APPLICABLE RATE |
| 1 year and below | 1st half of the term = savings rate 2nd half of the term = 50% of the given rate |
| 2, 3, 4, 5, 7 years | < 25% of the term = savings rate 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 the term = 75% of the given rate |
*DST for the remaining term of placement must be shouldered by the client.
For pre-termination of placement with term/maturity of 5 or 7 years, the withholding tax for individual client (except non-resident alien not engaged in trade or business in the Philippines) shall be:
| TERM/TENOR | WITHHOLDING TAX |
| 4 years to less than 5 years | 5% |
| 3 years to less than 4 years | 12% |
| Less than 3 years | 20% |
Note: Number of days in a year shall be 360