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Yes I agree, I and my husband joined on 2005. While joining they said they will be giving a NSC bond in your name for that value. you can withdraw that money after 5 years. No BOND till now. we have sent so many letters to them but no reply instead of that they are asking for annual member ship fees. But while joining they said it is life time free. no need to pay anything etc., absolutely nonsense they are the market cheaters. Don't join in CCC
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