这是四种银行产品：offer-personal transactions, savings accounts, term deposits which are carded(those whith standard interest rates offered on fixed periods) and term deposits which are non-carded(where the deposit is negotiated on an ad hoc basis).
offer-personal transactions
提供个人业务（似乎这里只能这么翻译）
savings accounts
储蓄账户
term deposits which are carded(those whith standard interest rates offered on fixed periods)
记录定期存款（定期且以标准利率计）
term deposits which are non-carded(where the deposit is negotiated on an ad hoc basis)
非记录定期存款（存款可以特别议定）
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