answer: #Person1# helps #Person2# to open accounts and explains different sorts of time deposit accounts.
documents: #Person1#: Good morning, sir. How may I help you?
  #Person2#: I'd like to open an account.
  #Person1#: Certainly, sir. Would you like to open a time deposit savings account or a checking account?
  #Person2#: Actually, I'd like to open one of each, if that's possible.
  #Person1#: No problem, sir. What sort of time deposit account would you like to open?
  #Person2#: What are my choices?
  #Person1#: 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.