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Personal Banking

Lump Fixed Deposit

Introduction:

Lump fixed deposit refers to a deposit service that customers set deposit terms when making deposits, and deposit principals at one time, after which they can totally or partially withdraw principals and interests.

Features:

1.    Higher interest rate: The interest rate of the fixed deposit is higher than that of the demand deposit. The fixed deposit is a traditional wealth management tool. The longer the deposit term is, the higher the interest rate is.

2.    The account can be set to re-deposit. Customers can set re-deposit term when making deposit; and the principals and post-tax interests will be automatically re-deposited in accordance with the re-deposit term on the maturity day.

3.    The deposit can be used to pledge loans. In the event that the maturity day of a fixed deposit is approaching, but the customer needs funds urgently, then the customer can apply for pledge loans to avoid interest loss.

4.    The deposit can be withdrawn ahead of the maturity day. If customers need funds urgently, they can also apply for withdrawing ahead of the maturity day. If the customer wants to totally withdraw the undue fixed deposit before the maturity day, the interest will be paid according to the announced interest rate of the demand deposit on the withdrawal day. If the customer wants to partially withdraw the undue fixed deposit before the maturity day, the interest for the withdrawn part will be paid according to the announced interest rate of the demand deposit on the withdrawal day, while the interest for the rest till maturity will be paid according to the announced interest rate of the fixed deposit quoted on the date of opening the account.

Minimum deposit amount and deposit terms:

1.    The minimum deposit amount of RMB lump fixed deposit is RMB50, and the deposit terms may be three months, half year, one year, two years, three years, or five years respectively. Interest rates (hyperlinks to the interest rates)

Service Channel:

1.    Open an account: Banking outlets (hyperlinks to outlets)

2.    Deposit and withdrawal: Self-service equipment (ATM / CDS / multimedia terminal) and banking outlets

3.    Inquiry, transfer and remittance service channels: Telephone banking, Internet banking, self-service equipment (ATM / CDS / multimedia terminal) and banking outlets.

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