[speaker001:] Good morning, sir. How may I help you?
[speaker002:] I'd like to open an account.
[speaker001:] Certainly, sir. Would you like to open a time deposit savings account or a checking account?
[speaker002:] Actually, I'd like to open one of each, if that's possible.
[speaker001:] No problem, sir. What sort of time deposit account would you like to open?
[speaker002:] What are my choices?
[speaker001:] The minimum time period is three months. The longer the period, the higher the interest rate. If you withdraw your money before time is up, there are penalties.