1. Withdrawal: When the withdrawal is due, the customer will withdraw the principal and interest in one lump sum with the passbook, ID card and household registration book (household registration certificate) provided by the school and the identity certificate of students receiving non-compulsory education, and each "certificate" will only enjoy the interest tax concession once. If the customer can't provide "proof", his education savings will not enjoy the interest tax preference, that is, the one-year and three-year interest will be calculated and paid according to the interest rate of fixed deposits of the same grade in the same period on the account opening date; Interest is calculated and paid for the six-year term according to the interest rate of five-year fixed savings deposit on the account opening date. At the same time, interest income tax on savings deposits should be levied according to relevant regulations.

2. Early withdrawal: Early withdrawal of education savings must be made in full. When withdrawing in advance, if the customer can provide "proof", the interest shall be calculated and paid according to the actual deposit term and the interest rate of lump-sum fixed-term savings deposits of the same grade in the same period as the account opening date, and the interest income tax on savings deposits shall be exempted; If the customer fails to provide the Certificate, the interest shall be calculated and paid according to the current savings deposit interest rate on the actual deposit period and withdrawal date, and the income tax on savings deposit interest shall be levied according to relevant regulations.

3. Overdue withdrawal: for the part of education savings that exceeds the original deposit term (overdue part), interest shall be calculated and paid according to the interest rate of current savings deposits on the withdrawal date, and income tax on interest of savings deposits shall be levied according to relevant regulations.