Introduction：

　　A kind of savings in the form of certificate of deposit with no period agreed during deposit but notify the Bank the withdrawal amount and date.

　　Service Features：

　　1.  Higher return, flexible term.

　　2.  You may re-deposit current deposit into personal call deposit.

　　Service Features：

　　1. The interest will be paid according to the announced relevant interest rates on the withdrawal day and the actual deposit terms; and the interests will be cleared up when the principals are gone.

　　2. Interest will be accrued at the rate of current savings in the event of the following:

　　①Actual deposit period is shorter than the call period

　　②Amount drawn without advice;

　　③Amount already notified but not drawn on the agreed date;

　　④Amount drawn less/more than agreed;

　　⑤Amount drawn less than minimum;

　　3. If customers have applied for call deposit to withdraw funds but don’t withdraw or cancel the withdrawal during the call period, there will be no interest paid during the call period.

　　4. If the remaining deposits after partial withdrawal are more than the set minimum deposit amount, customers need to re-fill out call deposits or certificates, the deposit term will start from the day when the call deposit account was opened originally; if the remaining deposits are lower than the set minimum deposit amount, the deposits will cleared out and the interest will be paid according to the announced current deposit interest rate at the day when the accounts are cleared out, or the accounts will be changed to other deposits upon customers’ desires.

　　5. Interest for call deposit shall be debited on each account based on actual-over-365, at the rate quoted on the day of withdrawal and by actual deposit days. No calculation in periods if there is a change in the rate.

　　Operation Guide：

　　1. Account opening: the minimum deposit amount of call deposit is RMB 50,000 (including 50,000) or the foreign currencies that the value is equivalent to RMB 50,000.

　　2. Withdrawal: Notify the Bank the withdrawal amount and date to get the money.

　　3. Partial withdrawal: if customers partially withdraw call deposits, the amount to be withdrawn need to be more than the set minimum deposit amount of call deposit (RMB 50,000 (including 50,000) or the foreign currencies that the value is equivalent to RMB 50,000).

　　4. Withdrawal Ahead of term: if customers withdraw call deposits ahead of set term, the interest of withdrawn part will be paid according to the interest rates of current deposits.

　　All the content stated above is for your reference only. Please consult the local branch of Bank of Kunlun for further information.