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By second month of account opening:

1. Deposit and maintain a minimum average daily balance of S$5,000 for at least 6 consecutive months from deposit date ("6-month Period");
   
   OR
2. Credit salary to the new Deposit Account for at least a 6-month Period. Salary crediting must be through GIRO with transaction reference codes of "SAL" or "PAY".

By second month of account opening:

1. Maintain monthly contribution of $100 and above to the Special Savings Account for at least a 6-month Period, without unsuccessful contribution.
   
   AND
2. No withdrawal to be made from the Special Savings Account for at least a 6-month Period.

By second month of account opening:

1. Deposit and maintain a minimum average daily balance of S$1,000 for at least a 6-month Period.