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          <h1>Early Deposit Repayment Reduces Interest by 1% Unless Rule 3 or War Benefits Apply; Renewal Can Increase Rate</h1> When a company repays a deposit upon the depositor's request after six months but before the agreed term ends, the interest rate is reduced by one percent from the original rate. This rule does not apply if the repayment is to comply with rule 3 or provide war-related benefits during emergencies. If a depositor renews a deposit early for a higher interest rate, the company must pay the higher rate if the renewal period exceeds the remaining original term. For calculating the deposit term, any part of a year less than six months is excluded, while six months or more is counted as a full year.

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