Deposit services include the following:

　　Large-value certificate of deposit refers to a book-entry large-value certificate of deposit issued by Bank of Fuxin to non-financial institutional investors and denominated in RMB, and is a financial product as bank deposits and a general deposit.

　　RMB demand deposit refers to a deposit in a variety of bank settlement accounts opened by clients with business offices of Bank of Fuxin at all levels. Various payment instruments stipulated by the People's Bank of China, such as checks, promissory notes and drafts, are available for settlement.

　　RMB time deposit refers to a corporate deposit with an agreed deposit term, by which the principal is deposited at one time and the principal and interest are withdrawn at maturity. Corporate time deposits are subject to account management.

　　RMB unit agreement deposit refers to a RMB deposit for which the depositor and the Bank have agreed, within the term of the agreement, to set the minimum amount retained in the settlement account of the agreement deposit (not less than the minimum retained amount stipulated by the People's Bank of China) and the interest is paid based on the corresponding interest rate provided for by the People's Bank of China.

　　RMB call deposit refers to a RMB deposit for which the depositor does not agree on the deposit term, and should notify the bank of withdrawing funds in advance, and is only allowed to withdraw funds according to the agreed withdrawal date and amount. The minimum deposit amount and the minimum withdrawal amount of the call deposit are RMB 500,000 and RMB 100,000 respectively.

　　Foreign currency demand deposit refers to a deposit that is deposited and withdrawn at any time according to foreign exchange management regulations and of which the interest is calculated as per the interest settlement term. Foreign exchange deposit accounts are classified into current accounts and capital accounts in accordance with the regulations of the State Administration of Foreign Exchange on the management of foreign exchange accounts.

　　Foreign currency time deposit refers to a foreign currency unit deposit with an agreed deposit term, by which the principal is deposited at one time and the principal and interest are withdrawn at maturity.

　　Foreign exchange call deposit refers to a foreign currency deposit for which the depositor does not agree on the deposit term, and should notify the institution of withdrawing funds in advance, and is only allowed to withdraw funds according to the agreed withdrawal date and amount. Currently, only 7-day call deposits are available.

　　Large-value certificate of deposit refer to a book-entry large-value certificate of deposit issued by Bank of Fuxin to non-financial institutional investors and denominated in RMB, and is a financial product of bank deposits and a general deposit.

　　II. Product elements

　　Large-value certificate of deposit has a standard term. Institutional investors should subscribe for large-value certificates of deposit with the minimum amount of RMB 10 million. The term of large-value certificates of deposit is 1 month, 3 months, 6 months, 9 months, 1 year, 18 months, 2 years, 3 years and 5 years. The specific purchase period is subject to that of current products. The interest rate of large-value certificates of deposit is market determined. The interests of the fixed-rate certificate of deposit are accrued based on the annual coupon rate, and the interests of the floating rate certificate of deposit are accrued based on Shanghai Interbank offered rate (Shibor).