A kind of savings in the form of Hua Xia bank card (Hua Xia card, Hua Xia Sinobeauty Card, Hua Xia Gold Card) and CD (Certificate of Fixed Deposit) with the deposit term agreed beforehand, where principal is deposited one time, principal and interest are withdrawn in full. Initial minimum is 50 Yuan, no ceiling. Deposit periods can be three months, six months, one year, two years, three years or five years.

Features:
1. Higher interest rate: interest rate of time deposit is higher than that of current savings. The longer the deposit period, the higher will be the interest rate.
2. Secured Return: interest rate is defined during deposit. In case of changes in interest rate during the period, interest is still accrued according to the rate stated on the CD, not by segments. 
3. Liquidity: deposit can be drawn in full or partially before maturity if necessary, or pledged for loan as high as 95% within the credit line stated in the CD. The deposit can also be used to apply performance bond and proof of deposit as well. 
4. Automatic rollover: Hua Xia Bank rollover your deposit automatically when matured, without your worry on the lost of interest in case you are busy to renew or go through the formalities again.

Benefits: 
1. Interest will be accrued at the rate under the deposit period quoted on the date of opening the account.
2. Draw in advance will have interest accrued on the amount withdrawn in advance at current savings rate quoted on the day of withdrawal.
3. Draw after maturity or before the rollover period expired will have interest accrued on the amount exceeding the original period at current savings rate quoted on the day of withdrawal.

Applicable Clients: 
Chinese residents who have a sum of money idled for the time being.

Service Channels:
If you have Hua Xia Certificate of Deposit, at Hua Xia outlets you can open or close the account, deposit or withdraw cash, transfer, remittance, check accounts, report loss verbally or in written, and change password. Through Internet Banking you can check account, report loss verbally. Through Customer Service Center (Phone Banking) you can check account, change password, and report loss verbally. If you choose to use Hua Xia card, at Hua Xia outlets you can open account, check account, schedule transfer (transfer to current savings or in other periods at maturity, same below) and draw cash. At ATM or multimedia devices in the same city of Hua Xia Bank, you can open account, make transfer or check account from master account of current savings in the card. You can open account at deposit machine; Enrolled customers of Internet Banking can open account, make transfer or check master account of currents savings in the card.

How to Apply?
1. Open Account: Open the account at Hua Xia outlets with your valid ID and collect the certificate of deposit or Hua Xia cank card.
2. Draw Cash: Valid ID must be presented for single withdrawal over RMB 50,000. Large withdrawal must be arranged with Hua Xia Bank first by appointment in order to prepare enough cash.
3. Close Account: Interest will be repaid with principal when the account is cancelled.
4. Others: Valid ID must be produced for report of loss, cancel report of loss, change of password, renewal of Card/CD, early withdrawal, and mass withdrawal. If someone applies on behalf of you, ID documents to verify you and your representative are necessary (cancel the report of loss and change password must be done by yourself).

Tips: 
1. Please keep your savings passbook or bank card in a safe place. If your passbook/CD is lost , report to Hua Xia Bank straight away either at Hua Xia counter, Customer Service Center (Phone Banking), or Internet Banking verbally. Report of loss in written can only made at Hua Xia outlets. Cancel the report of loss must be done at the original outlet; report loss of card can be made at Customer Service Center; you can also report loss of card in written or verbally via Internet Banking or at Hua Xia counter. Report of loss in written must be done within 5 days after you have made verbally. Replace passbook/bank card or close the account 7 days later.
2. Set the password as a combination of numbers so that it is not easy to be cracked. Keep the password confidential and do not let others know it.