When you deposit your RMB savings at CCB, you may choose between demand deposits and term deposits.

 ---- Demand deposits do not have definite terms, and may be withdrawn in the amount you choose at any time.

---- The procedures for opening a demand deposit account and for making deposits and withdrawals are as follows:

---- When you open an account, please fill out a demand deposits application form and settlement proof with your date of deposits, account name, and amount deposited, ID types, ID numbers, contact means, and give the slip and your cash to the teller. The teller will review the information provided and issue you a bankbook when your signature on the deposit slip is confirmed. If you request a password or withdrawal by seal, you must set your password as required on the password processor at the outlet, or provide the teller with two cards stamped with your seal.

---- When making deposits or withdrawals, you do not need to fill out the slip. You only need to tell the teller of your demand. In addition, when you make additional deposits, you need to present cash and bankbook (bankcard) to the teller. When you make withdrawals, you need to present your bankbook (bankcard). If the amount you deposit is no less than RMB 200,000 or if the amount you withdraw is no less than RMB 50,000, you need to present your valid ID.  When you make withdrawals, you need to present your bankbook (bankcard). When you make withdrawals with your password or seal, you need to enter your password on the password processor as required, or stamp the withdrawal slip with your seal.

---- The minimum amount of deposits required is 1 RMB, and the personal term deposits will be settled quarterly. Interest accrues at the interest rate, quoted on the settlement date.  If the client settles the account before the settlement date, the interest will be counted at the interest rate quoted the day before the client settle the account. The Interest rates are shown on the interest rate table.

---- When making term deposits, you determine the term for which your money will remain with the bank. You may deposit the principal as a lump sum or at intervals, and you may withdraw the principal and interest as a lump sum or at intervals. The following varieties are available: depositing and withdrawing both as a lump sum, depositing at intervals and withdrawing as a lump sum, depositing as a lump sum and withdrawing at intervals, maintaining the principal and withdrawing interest, education savings, flexible conversion between demand and term deposits, and withdrawing by notification. Each variety has its requirements for deposits and withdrawals. In the term deposits, you may withdraw part of the deposit in advance for only one time when you select depositing and withdrawing both as a lump sum. For other term deposits, you may only withdraw all the deposits in advance.

---- Depositing and withdrawing both as a lump sum. Your savings are deposited as a lump sum for a fixed term, and both principal and interest are withdrawn at maturity. The minimum amount required is RMB 50. If you deposit foreign currency, the minimum required is the amount equivalent to RMB 100. In addition, if you withdraw your deposits in advance, you must present your identification, and if you make a withdrawal on behalf of another person, you must present both your identification and the identification of that person. You may withdraw part of the deposit in advance for only one time. Interest accrues at the rate set when the deposits are made, and it is paid at the same time as principal. When your deposit matures, the bank may automatically renew it for the second term. Or if you wish, the bank may renew your matured deposit on agreed terms. The terms for this type of RMB deposits include 3 months, 6 months, 1 year, 2 years, 3years and 6 years. The saving terms for this type of foreign currency deposits include 1 month, 3 months, 6 months, 1 year, and 2 years, 3years and 6 years. Interest rates are shown on the interest rate table.  

---- Depositing at intervals and withdrawing as a lump sum. The savings are deposited at monthly intervals for a fixed term, and both principal and interest are withdrawn at maturity.  The procedures for opening such an account are the same as those for opening a demand deposit account, but the depositor must deposit the same amount each month. The procedures for withdrawing in advance are similar to depositing and withdrawing both as a lump sum. The minimum amount of deposits required is 5 RMB, and monthly deposits are required. If one deposit is missed, it must be made the following month. Interest started to accrue based on the amount you deposit and the term. The saving terms include 1 year, 3 years and 5 years. Interest accrues at the rate set when the deposits are made. For the amount not withdrawn at maturity or the amount withdrawn in advance, the interest rate for demand deposits quoted on the date of withdrawal shall prevail. Interest rates are shown on the interest rate table.

---- Depositing as a lump sum and withdrawing at intervals. The principal is deposited as a lump sum, and withdrawn at intervals. The procedures for opening such an account are the same as those of demand deposit. The minimum principal required is RMB 1,000. Withdrawals may be made at one-, three- or six-month intervals, as determined by both the depositor and the bank at the time the deposit is made. Interest is paid at maturity at the rate on the day when you open the account. For the amount not withdrawn at maturity or the amount withdrawn in advance, the interest rate for demand deposits quoted on the date of withdrawal shall prevail. The saving terms include 1 year, 3 years and 5 years. Interest rates are shown on the interest rate table.

---- Maintaining the principal and withdrawing interest. The principal is deposited as a lump sum, and the term is set when the deposit is made. Interest is withdrawn at intervals, and principal is withdrawn at maturity. The minimum amount of deposit required is RMB 5,000. You may withdraw interest every month or every few months. You may withdraw any amount within the limits agreed at the account-opening day. The interest rate for this type of deposit quoted on the day when you open the account shall prevail. For the amount not withdrawn at maturity or the amount withdrawn in advance, the interest rate for demand deposits quoted on the date of withdrawal shall prevail. The saving terms include 1 year, 3 years and 5 years. The procedures for opening such an account and for withdrawing are the same as demand deposits, and the procedures for advance withdrawal are the same as depositing and withdrawing both as a lump sum. Interest rates are shown on the interest rate table.

---- Flexible conversion between demand and term deposits. You may choose not to specify a term for your deposits, and you may make withdrawals at any time. The minimum amount of deposit required is RMB 50. For deposit with the term shorter than 3 months, the interest for demand deposit quoted on the date of withdrawal shall prevail. For deposit with the term no shorter than 3 months and under 6 months, Interest accrues at 60% of the interest rate for 3-month term saving deposited and withdrawn as a lump sum quoted on the date of withdrawal. For deposit with the term no shorter than 6 months and under 1 year, Interest accrues at 60% of the interest rate for 6-month term saving deposited and withdrawn as a lump sum. For deposit with the term no shorter than 1 year, Interest accrues at 60% of the interest rate for 1-year term saving deposited and withdrawn as a lump sum.

“Luck Certificate of Deposit” is a new product with flexible conversion between demand and term deposits. It is a product introduced by CCB to meet your needs and enrich our personal financial services. The minimum amount required is RMB 500. The maximum amount is RMB 10,000. Interest accrues at interest rate for the deposit with flexible conversion between demand and term accounts.

---- Withdrawing by notification. You may choose not to fix the term of your deposits, but to notify the bank prior to withdrawal. The minimum amount of RMB deposits required is 50,000 RMB and the minimum of foreign currency deposits required is equivalent to USD 5,000. You may notify the bank the date of withdrawal or the date of transfer and the amount transferred when you open such an account. You may deposit your savings as a lump sum, and withdrawn at intervals. But the balance shall not be lower than the minimum amount required. If it is so, the bank will close your account and transfer your deposit into demand deposit. You notify the bank one day or seven days prior to withdrawal. For the one-day notification, the actual duration of your deposit shall not be lower than 2 days and you shall notify the bank one day prior to the withdrawal.  For the 7-day notification, the actual duration of your deposit shall not be lower than 7 days and you shall notify the bank 7 days prior to the withdrawal.

---- Education saving. It is a type of product to encourage urban and rural residents to reserve funds for their children to receive non-compulsory education. It aims at promoting the education undertaking in China. The target is students of or above four grades.

Terms: one-year, 3-year, 6-year.

Minimum and maximum amounts: minimum RMB 50 for one account. The sum of principal and interest shall not exceed RMB 20,000 for one account.

Preferential conditions: The client may withdraw the principal and interest as a lump sum if he or she could provide the certificate that his or her children are receiving non-compulsory education. The deposit may enjoy preferential interest rate and no interest income tax will be imposed.