English Chinese translation sample-"rollover" account services

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

"Rollover" Account Services
“利添利”账户理财业务

☆ Introduction
"Rollover" Account Service is a service to manage cash and investment effectively by linking customer's current savings deposit to low-risk funds such as money market and short-term debt. Idle money in customer's current deposit will be automatically used to buy those money market funds or short-term debt funds specified by customer. This should add more value to the idle money rather than earning interest from current savings. On the flip side of the equation, when customer's current account is in need of cash, "Rollover" account can automatically redeem money market funds or short-term debt funds to allow timely use of money.

　　☆服务简介
“利添利”账户理财业务是通过将客户的活期储蓄存款与货币市场、短债等低风险基金及我行理财产品联接，为客户进行有效的现金管理和投资管理。一方面，“利添利”账户理财业务将客户的多个活期账户的闲置资金自动申购客户指定的货币市场、短债基金与我行理财产品，预计可获得超过活期储蓄利息的投资收入，实现闲置资金的有效增值；另一方面，当客户的活期账户需要资金时，“利添利”账户理财业务可以自动赎回货币市场、短债基金与我行理财产品，保证客户资金的及时使用，进行便捷的现金管理。

☆ Functional Diagram
After opening a Fund Trading Account and TA Account in ICBC, using the Fund Trading Card (local Elite Club Account Card, Peony Money Link Card •e-age or Peony Money Link Card) to sign "Rollover" Account Agreement to link Personal Settlement Account with Fund Account for cash and investment management, as follows (direction of fund flow is indicated by arrows)

　　☆“利添利”账户理财业务功能图示
　　客户在开立了我行基金交易账户和拟投资基金的TA账户或开立了我行理财产品交易账户后，通过基金交易卡/理财产品交易卡（本地理财金账户卡、牡丹灵通卡•e时代卡或牡丹灵通卡），就可签订“利添利”账户理财协议，联接个人结算账户与基金账户或理财产品交易账户，实现现金管理及投资管理功能，如下图所示（箭头方向表示资金流向）：

1. "Rollover" account can be set with "Balance for Subscription" and "Balance for Redemption" for determining when account should start to subscribe or redeem. When the available balance in "Rollover" account is greater than "Balance for Subscription", excess amount will be transferred into bank account for buying designated funds next day (working day). When the available balance in "Rollover" account is lower than "Balance for Redemption ", funds shares (counted at 1 Yuan of unit net worth) will be redeemed to eke out to "Balance for Subscription".

　　1. 客户可对“利添利”账户设定“发起申购余额”和“发起赎回余额”，分别用于判断账户何时发起申购和赎回申请。当“利添利”账户的可用余额高于“发起申购余额”时，则将多出金额转入基金/理财产品资金账户保留后，于次日（工作日）申购指定的基金/理财产品；当“利添利”账户的可用余额低于“发起赎回余额”时，则发起赎回申请，赎回份额（以1.00元基金/理财产品单位净值计算）补足到“发起申购余额”（理财产品补足至发起赎回余额）。

2. To realize higher yield from idle money in current account, sign up Schedule Transfer Account (maximum 4 such accounts) when entering "Rollover" Account Agreement. "Minimum Reserved Balance" can be set respectively for Schedule Transfer Account 1 to 4. When the balance in Schedule Transfer Account is higher than "Minimum Reserved Balance", excess amount will be transferred into "Rollover" Account to trigger subscription through the latter.

2. 客户若想将更多活期账户里的闲置资金获得更高收益，可以在签订“利添利”理财协议时，签订协定转账账户（最多不能超过4个）。对于协定账户1至协定账户4，客户可以分别设置“最低保留余额”，当协定转账账户余额高于“最低保留余额”时，则将多出金额转入“利添利”账户中，通过“利添利”账户，触发申购。

3. "Rollover" Account and Schedule Account 1-4 are all current savings accounts. A customer can assign any current accounts under own name to be "Rollover" Account and Schedule Account.

　　3. “利添利”账户及协定账户1-4，均为客户的活期储蓄账户。客户可以将其名下的任意活期账户指定为“利添利”账户和协定账户。

For instance: Main income account such as payroll account can be used as "Rollover" Account. Main payment account such as housing loan, water and electricity are Schedule Account 1, daily expenditure account is Schedule Account 2.

　　例如，客户可以将工资账户等主要收入账户作为“利添利”账户，房贷、水电等主要缴费账户作为协议账户1，日常消费支出账户作为协议账户2。

Balance for Subscription and Balance for Redemption in main income account can be set to RMB 2000 and RMB 1000 respectively. When the balance in main income account is greater than RMB 2000, excess amount will be used to buy specified funds in the next day (working day). Redeem fund shares to eke out the balance in main income account to RMB 2000 when the balance in the account is less than RMB 1000. Customer set the minimum reserved balance in main payment account 1 as monthly payment for housing loan, water and electricity bill (such as RMB 2500). Balance higher than this monthly amount will be automatically transferred into the main income account. Minimum reserved balance in payment account 2 (daily expenditure) is set to RMB 1000. Balance higher than RMB 1000 will be automatically transferred into the main income account.

　　客户可对主要收入账户设定发起申购余额2000元和发起赎回余额1000元，当主要收入账户的余额高于2000元时，则将多出金额于次日（工作日）申购指定的基金/理财产品；当主要收入账户的余额低于1000元时，则发起赎回申请，赎回基金/理财产品份额补足主要收入账户余额到2000元。客户对主要缴费账户1设定每月房贷、水电缴费额（如2500元）为最低保留余额，高于每月缴费额2500元的余额自动转入主要收入账户；对日常消费支出账户2设定1000元的最低保留余额，高于1000元的账户余额自动转入主要收入账户。