I.   Product of Marketing
　　一、營銷產品
　　Personal Notice Deposit
　　個人通知存款
　　II. Client's Background Information
　　二、客戶背景
　　1.Name：Wang Lin
　　2.Sex： Male
　　3.Age： About fifty years old
　　4.Occupation： The owner of a privately-owned  enterprise
　　5.Education： College
　　6.Wang Lin owns a clothing factory， with yearly income of about 10，000 RMB yuan， but the income is often used as working capital.       1、姓名：王林
　　2、性別：男
　　3、年齡：50歲左右
　　4、職業：私營企業主
　　5、文化程度：大專
　　6、王林經營一家服裝廠，每月收入近10，000元人民幣，但每月收入經常用于資金周轉。
　　III. Content of Speech
　　三、演講內容
　　Hello！ I am Hu Jin，a bank clerk from ICBC North City Sub-branch， Wen Hui savings office. The product of marketing is Personal Notice Deposit.
　　您好！我叫胡津，是工商銀行城北支行文匯儲蓄所儲蓄員。我營銷的產品是“個人通知存款”。
　　Welcome to our savings office. I am No 2 clerk. It's my pleasure to give you some advice for your reference.
　　歡迎您光臨文匯儲蓄所，我是2號儲蓄員。很高興能為您服務，給您提個建議，供您參考。
　　Personally， I do believe you'd better open a notice deposit account， which is suitable for you as you have a bit more income often used as working capital. Personal notice deposit is a sort of savings deposit， the term of which is not determined on occasion of deposit， and which can be withdrawn only after informing the bank of the withdrawal date and amount beforehand. Personal notice deposit is specifically designed for the valued clients like you with a large sum of short-term deposit.
　　像您這種情況，每月收入較高，又經常用于周轉，我建議您還是辦理通知存款較為合適。個人通知存款是指存款人在存入款項時不約定存期，支取時需提前通知金融機構，約定支取存款日期和金額方能支取的儲蓄存款方式。個人通知存款是為了滿足像您這樣的有短期大宗存款的優質客戶而設置的一種儲蓄種類。
　　Despite of the actual term of personal notice deposit， there are two varieties of call deposit based on the terms for the withdrawal notified in advance： One-day notice deposit and seven-day notice deposit. As for one-day notice deposit， the notice must be made at least one day in advance for withdrawal of the deposit， and as for seven-day notice deposit， the notice must be given at least seven days in advance for withdrawal of the deposit. Personal call deposit can be registered for loss reporting. The minimum balance requirement of 50，000 RMB yuan is deposited in a lump sum.， and the term is not determined upon deposit. It can be withdrawn in a lump sum or by several times with the minimum withdrawal sum not less than 50，000 RMB yuan each time. On occasion of partial withdrawal， the retained amount in the account is not less than 50，000 RMB yuan.
　　個人通知存款不論實際存期長短，按存款人提前通知的期限長短，劃分為一天通知存款和七天通知存款兩個品種。一天通知存款必須至少提前一天通知約定支取存款，七天通知存款必須至少提前七天通知約定支取存款。個人通知存款為記名式存款，可以掛失。起存金額50，000元人民幣，須一次性存入， 存入時不約定期限。個人通知存款可一次或分次支取，每次最低支取額為50，000元人民幣。部分支取時賬戶留存金額不得低于50，000元人民幣。
　　With a personal notice deposit account， you will enjoy a comparatively more favorable interest rate than with a demand deposit account. The rate on a demand deposit is 0.72% while the rate on one-day notice deposit is 1.08%， which is 0.36 percent higher than the former. The rate on seven-day notice deposit is 1.62%， even higher than those mentioned above. So it has not only convenience of demand deposit but also interest of time deposit.
　　個人通知存款利率比活期存款利率高，活期儲蓄利率只有0.72%，而一天通知存款的利率就為1.08%，高出活期利率0.36個百分點。七天通知存款利率就更高，為1.62%，具有活期之便，定期之息的功能。
　　Will you take my advice？ For more details， please dial our office telephone number at 7323466 or our 24-hour service hotline at 95588 for consultation. You are welcome any time.
　　我的建議您是否可以考慮一下。欲知詳情，請撥打我們儲蓄所電話7323466，或撥打我行24小時客戶服務熱線95588咨詢。隨時歡迎您的光臨。