a．Introduction

All-in-one passbook is an integrated business that gathers multiple types of savings, currencies and fund forms in one passbook, records and manages the fund information of multiple deposit accounts by one deposit voucher. 

All-in-one passbook of the Bank includes current all-in-one account in RMB and foreign currencies, and term all-in-one account in RMB and foreign currencies. Specifically, current all-in-one account in RMB and foreign currencies supports one RMB settlement account and multiple current settlement accounts in foreign currencies. Term all-in-one account in RMB and foreign currencies supports multiple accounts for lump-sum deposit & withdrawal, time/demand optional deposit and call deposit in RMB and foreign currencies. 

Sub-account in the term all-in-one account in RMB and foreign currencies can be exported and taken as an independent certificate of deposit, and the certificate of deposit that has been issued can also be imported and made as the sub-account of the term all-in-one account in RMB and foreign currencies. The account name, value date, deposit term, interest rate, type of certificate, certificate number and other account information of exported and imported certificate of deposit shall be the same as those in the term all-in-one account in RMB and foreign currencies.

b．Deposit interest rate

Rules for interest accrual of RMB demand deposit in the current all-in-one account in RMB and foreign currencies shall be the same as those for demand deposit of the Bank. 

Rules for interest accrual of RMB lump-sum deposit & withdrawal, time/demand optional deposit and call deposit in the term all-in-one account in RMB and foreign currencies shall be same as those for the RMB lump-sum deposit & withdrawal, time/demand optional deposit and call deposit of the Bank.

c．Functions and features 

Easy to manage: An all-in-one passbook can replace many certificates of deposit, easy for taking and keeping. Both the accounts in local currency and foreign currencies can be included in the same account, to facilitate customers' integrated management of local and foreign currencies. 

Knowing about the yield timely: After establishing the all-in-one passbook, you can save the funds by different amounts in the all-in-one passbook, making you know about your personal incomes in a timely manner.