On an Interest Payment Date the Bank will either transfer interest back to your Bonus Savings Account or the interest will be capitalised and rolled over into the Fixed Term Deposit Account for a further fixed period, as instructed and specified by you on opening. If instructed by you, interest will be transferred back into your Bonus Savings Account on a quarterly, half-yearly, or annual basis according to which option you have selected at the time of opening your Fixed Term Deposit Account.