RMB Deposit Rates (Personal)

Network Finance

Item	Annual Interest Rate%
1. Urban and Rural Resident Deposits
(1) Demand Deposits	0.20
(2) Time Deposits
1. Lump-sum Deposit and Withdrawal
3-month	1.25
6-month	1.45
1-year	1.55
2-year	1.60
3-year	1.80
5-year	1.80
2. Time Deposit by Installments, Time Deposit of Withdrawal by Installments, Time Deposit of Lump-sum Principal Deposit and Periodic Interest Withdrawal
1-year	1.25
3-year	1.45
5-year	1.55
3. Demand-time Flexible	Apply a 60% discount on the interest rate of lump-sum deposit and withdrawal of the same tier for terms up to one year.
2. Call Deposit
1-day	0.60
7-day	0.95

　　Notes: 1. The above RMB deposit rates for individuals will be effective from March 13th, 2025.

　　 2. The listed deposit rates are for reference only. The actual rates applied to specific customers will be

determined by the final processing results at HarbinBank branches. Harbin Bank reserves the right

to interpret the listed deposit rates in accordance with the law.