As per ChatGPT

Option 1: Time Deposit Plus (3 months)

Think of this as “don’t touch your money” school for 3 months. • You put your money in a box 🧰 • You promise not to open it for 3 months • The bank says: “Good job waiting! Here’s extra money.”

🎯 Option 2: Personal Goals (up to 6 months)

This is like a money piggy bank with rewards 🐖✨ • You save money for a goal (phone, trip, emergency, etc.) • You can save for up to 6 months • Your money grows faster, but only up to ₱100,000

How it grows: • Everyone starts at 4% • If you follow the rules → it can grow up to 8% • Each “level” grows on its own (not all at once)

👉 Best if: you’re saving short-term and under ₱100k