Friday, April 6, 2007

Phils. BANK TIME-DEPOSIT @ 20%p.a.

“A Bank Time-Deposit that Doubles your money in 5-years”

5-Year BANK TIME-DEPOSIT Product: CTD Monthly

  • “GUARANTEED 20% Interest Rate per annum (TAX-FREE)”
  • Interest paid monthly for 60 months (5 years), starting 30 days

after deposit

  • Deposits insured by Philippine Deposit Insurance Corporation

(PDIC) maximum of Php 250,000.00

Mechanics: (sample illustration)

Ø For a Php 1,000,000.00 placement

Ø Earn interest of Php 16,666.66/month for the next 60 months, thus interest earnings amount to a total of Php 1,000,000.00

Ø Principal Sum of Php1,000,000.00 will be released upon maturity date

Minimum placement: Php 100,000.00

Member: Philippine Deposit Insurance Corporation (PDIC)

Email Proponent at:

Mobile (+63) 922 888 6597

“There’s always Smart & Safe place for your money”

Frequently Asked Questions

How safe are my deposits?

· Investment secured by Certificate of Time Deposit (CTD) or bank passbook.

· Bangko Sentral ng Pilipinas (BSP) is the governing body of all banks.


· Deposits insured with Philippine Deposit Insurance Corporation (PDIC) up to Php 250,000.00 (for PDIC, inquiries please visit website

Why can rural banks give high interest rates on our time-deposits?

· Bangko Sentral Ng Pilipinas (BSP) is granting higher tax incentives to rural banks over commercial banks since this will help Small and Medium Enterprises (SMEs) in the country.

· Per BSP manual Sec. X242, there is no ceiling in giving interest rates.

Why are interest rates on our time-deposits in commercial banks low?

· Commercial banks borrowing rate is also low ( 12-14% p.a. ) compared to borrowing rate of our rural banks (36%).

What are your outlet of funds?

· Micro financing to SMEs by rural banks is at the rate of 36% per annum or 3% a month. Please refer to Entrepreneur magazine August 2006 issue.

Any other additional safety nets for my deposits?

· Advance monthly interests of 20% per annum ( 1.666% per month ) will be received regularly thereby reducing any risk exposure.

Why should I place in a high-yield 20% p.a. double your money in 5-yr program?

· To protect the purchasing value of your money from deterioration due to “inflation”.

· There is always a need to “diversify” your investments into various financial portfolios to ensure the growth of your savings fund.