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It is a type of saving for lump-sum deposit & withdrawal, for which the Bank has reached an agreement with customers in advance on the interest rate of deposit, the minimum deposit amount and the withdrawal method. Matters mentioned in the agreement regarding the personal time deposit at the negotiated rate keep effective during the duration of such agreement.
b．Deposit interest rate
Interests will be accrued by adopting the item-by-item interest method at the negotiated rate agreed by customers with the Bank. Interests will be paid off in one installment together with the principal. The Bank furnishes agreed redeposit and automatic redeposit for the personal time deposit at negotiated rate upon maturity. The interest rate for redeposit will be separately specified by the Bank.
For the total withdrawal ahead of the maturity day, interests will be calculated and paid according to the interest rate for demand saving deposit published by the Bank on the withdrawal day.
For the withdrawal after the maturity day, interests of the deposit that has passed the agreed deposit terms will be calculated and paid according to the interest rate for demand saving deposit published by the Bank at the withdrawal day, unless otherwise agreed for automatic redeposit upon maturity.
c．Functions and features
Higher interest rate: The Bank will negotiate with customers the interest rate. Such rate is always higher than that of general time lump-sum deposit & withdrawal, so that customers can gain higher yield.
Guaranteeing both principal and yield: It is a kind of deposit product guaranteeing both principal and yield.