1. Part Ⅱ Retail Banking: bank accounts ATM Automated Teller Machines Passbook bankbook Debit card Credit card Bank card Certificate of deposit Maturity principal

2. To withdraw (draw) Current deposit Time deposit Time deposit of lump-sum deposit and withdrawal Time deposit of principal receiving and interest withdrawal Time deposit of small savings for lump- sum withdrawal Foreign currency deposit

3. The freely convertible foreign exchange Foreign bank-notes A checking account Stop payment order The negotiable instrument Foreign currency quotation Direct quotation Indirect quotiation collection

4. Retail Banking: bank accounts For local money, we have savings (current) deposit, time deposit of lump-sum deposit and withdrawal, time deposit of small savings for lump-sum withdraw, time deposit of principal receiving and interest withdrawal and time or savings optional deposit. For foreign currency, we have foreign currency deposits and deposits by correspondence

5. Section A: Deposit Accounts Savings Deposit? Savings deposit is a method of deposit that sets no limit on length of maturity, time and amount of deposit and withdrawal. It is convenient and flexible, may serve as a principal account of client. Time deposit It carries a definite length of maturity.

6. Section A: Deposit Accounts Time deposit of lump-sum deposit and withdrawal The minimum amount is RMB 50, the maturity range from three months, half a year, one year, two years, three years and five years. The longer the maturity is, the higher the interest rate is.

7. Section A: Deposit Accounts time deposit of small savings for lump-sum withdraw The minimum amount is RMB 50, the maturities include one year, three years and five years. It is suitable for depositors with fixed income.

8. Section A: Deposit Accounts time deposit of principal receiving and interest withdrawal It refers to savings deposit whose principal is deposited by lump sum and will be repaid when matures, whose interest is withdrawn by installment. The maturities extend from one year, three years to five years, the minimum amount is RMB 5000

9. Section A: Deposit Accounts time or savings optional deposit It is a kind of deposit with indefinite length of maturity whose interest rate varies in line with the length of maturity. The minimum amount is RMB 50, the length of maturity is not set at the time of deposit. It boasts the flexibility of withdrawal at any time as a savings deposit, and also enjoys a preferential interest rate of time deposit. (p34)

10. Section B Foreign Currency Deposits Skill-building exercise B2 (p27) Netherlands guilder NLG Italy lira ITL Norway Krone NOK Sweden Krona SEK Denmark Krone DKK Switzerland Confederation Helvetica Franc CHF Deutsche Mark DEM Spain Peseta ESP

11. Section B Foreign Currency Deposits Types of foreign currency deposits the bank provides Types of accounts the bank operates Kinds of foreign currency the bank accepts Kinds of foreign currency deposit the bank offers

12. Q1. Types of foreign currency deposits the bank provides B-type foreign currency deposits and C-type foreign currency deposits. Q2. Types of accounts the bank operates Accounts of foreign exchange and accounts of foreign bank notes. Q3. Kinds of foreign currency the bank accepts USD, GBP, FFR, DEM, JPY, HKD, CAD, EUR, AUD, CHR, BEF, NLG. Q4. Kinds of foreign currency deposit the bank offers Savings deposits, time deposits, savings / time optional deposits and seven-day notice deposits.

13. Section C: Deposits by Correspondence Skill-building exercise C1 (p28)

14. Section C: Deposit Collection in Different Places Answers for skill-building exercise D1 (p28) 1. change, residence, different places, the local bank 2. deposit collection, identification 3. services of deposit collections, handled, deposits