diff --git a/src/app/deposits/fixed-deposits/fixed-deposit-account-view/custom-dialogs/payment-dialog/payment-dialog.component.html b/src/app/deposits/fixed-deposits/fixed-deposit-account-view/custom-dialogs/payment-dialog/payment-dialog.component.html
index 870c04a21..646c9f4f9 100644
--- a/src/app/deposits/fixed-deposits/fixed-deposit-account-view/custom-dialogs/payment-dialog/payment-dialog.component.html
+++ b/src/app/deposits/fixed-deposits/fixed-deposit-account-view/custom-dialogs/payment-dialog/payment-dialog.component.html
@@ -61,7 +61,7 @@
             } @else {
               <div class="pmt__preview">
                 <div class="pmt__preview-row">
-                  <span class="pmt__preview-label">Current Balance</span>
+                  <span class="pmt__preview-label">FD Maturity Balance (renews as-is below)</span>
                   <span class="pmt__preview-value">{{ renewalPreview.currentBalance | formatNumber }}</span>
                 </div>
                 <div class="pmt__preview-row">
@@ -69,18 +69,26 @@
                   <span class="pmt__preview-value">{{ renewalPreview.gapDays }}</span>
                 </div>
                 <div class="pmt__preview-row">
-                  <span class="pmt__preview-label">Savings Account Interest Rate</span>
+                  <span class="pmt__preview-label">Deposit Account Link</span>
+                  <span class="pmt__preview-value">{{ renewalPreview.linkedAccountNo }}</span>
+                </div>
+                <div class="pmt__preview-row">
+                  <span class="pmt__preview-label">Its Interest Rate</span>
                   <span class="pmt__preview-value">{{ renewalPreview.linkedAccountRate }}%</span>
                 </div>
-                <div class="pmt__preview-row pmt__preview-row--highlight">
-                  <span class="pmt__preview-label">Gap-Period Interest to be Credited</span>
+                <div class="pmt__preview-row pmt__preview-row--highlight pmt__preview-row--total">
+                  <span class="pmt__preview-label"
+                    >Gap-Period Interest &rarr; paid to {{ renewalPreview.linkedAccountNo }}</span
+                  >
                   <span class="pmt__preview-value">+ {{ renewalPreview.gapInterestAmount | formatNumber }}</span>
                 </div>
-                <div class="pmt__preview-row pmt__preview-row--total">
-                  <span class="pmt__preview-label">New Balance for the Renewed Term</span>
-                  <span class="pmt__preview-value">{{ renewalPreview.projectedBalance | formatNumber }}</span>
-                </div>
               </div>
+              <p class="pmt__hint">
+                <fa-icon icon="info-circle" class="m-r-5"></fa-icon>
+                This gap interest was earned at the linked account's own rate, not the FD's -- it is credited straight
+                to account {{ renewalPreview.linkedAccountNo }} (the FD's Deposit Account Link), separately from
+                whatever you choose below. The FD itself renews from its own maturity balance, unchanged.
+              </p>
             }
           }
         }
diff --git a/src/app/products/fixed-deposit-products/fixed-deposit-product-stepper/fixed-deposit-product-terms-step/fixed-deposit-product-terms-step.component.ts b/src/app/products/fixed-deposit-products/fixed-deposit-product-stepper/fixed-deposit-product-terms-step/fixed-deposit-product-terms-step.component.ts
index 5824a1591..d1abb4ad6 100644
--- a/src/app/products/fixed-deposit-products/fixed-deposit-product-stepper/fixed-deposit-product-terms-step/fixed-deposit-product-terms-step.component.ts
+++ b/src/app/products/fixed-deposit-products/fixed-deposit-product-stepper/fixed-deposit-product-terms-step/fixed-deposit-product-terms-step.component.ts
@@ -74,6 +74,7 @@ export class FixedDepositProductTermsStepComponent implements OnInit, OnChanges
     this.periodFrequencyData = this.fixedDepositProductsTemplate.periodFrequencyTypeOptions || [];
 
     const isEditing = !!this.fixedDepositProductsTemplate.id;
+    const defaultPeriodTypeId = this.periodFrequencyData[0]?.id ?? null;
     const defaultAveragePeriod = this.averagePeriodData[0]?.value || 'Monthly';
     const savedEnumTypeId =
       this.fixedDepositProductsTemplate.interestCalculationType?.id || this.interestCalculationTypeData?.[0]?.id || 1;
@@ -84,12 +85,16 @@ export class FixedDepositProductTermsStepComponent implements OnInit, OnChanges
       : (this.interestCalculationTypeOptionData?.[0]?.id ?? null);
 
     this.fixedDepositProductTermsForm.patchValue({
-      // Hidden, unedited-by-anyone fields -- left blank (like their max-/in-multiples-of- siblings
-      // already correctly are) rather than forced to a real default, or every single product edit
-      // submitted a "real" value against a product that had none, and a checker's "Proposed changes"
-      // review showed these two as "changed" on every unrelated edit, never anything a maker touched.
-      minDepositTerm: this.fixedDepositProductsTemplate.minDepositTerm ?? '',
-      minDepositTermTypeId: this.fixedDepositProductsTemplate.minDepositTermType?.id ?? '',
+      // Hidden, unedited-by-anyone fields. On EDIT, left as the product's own saved value with no
+      // forced fallback (like their max-/in-multiples-of- siblings already correctly are), or a
+      // checker's "Proposed changes" review showed these as changed on every unrelated edit, never
+      // anything a maker touched. On CREATE there is no saved value yet, and the backend requires
+      // minDepositTerm -- default it (and its unit) here same as before, since the field is hidden
+      // and no one gets a chance to fill it in themselves.
+      minDepositTerm: isEditing ? (this.fixedDepositProductsTemplate.minDepositTerm ?? '') : 1,
+      minDepositTermTypeId: isEditing
+        ? (this.fixedDepositProductsTemplate.minDepositTermType?.id ?? '')
+        : defaultPeriodTypeId,
       maxDepositTerm: this.fixedDepositProductsTemplate.maxDepositTerm ?? '',
       maxDepositTermTypeId: this.fixedDepositProductsTemplate.maxDepositTermType?.id ?? '',
       inMultiplesOfDepositTerm: this.fixedDepositProductsTemplate.inMultiplesOfDepositTerm ?? '',