When you buy a savings certificate, you sign a contract with the bank stating that you will not be able to get your money back until the date when the certificate is due.

短期的储蓄单据是三个月。 你还可以买时间是一年或两年的储蓄单据。 在买储蓄单据的时候，你要跟银行签一项合同，说明在单据最后期限之前你不能从银行取钱。

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The seller can sometimes lose money in a contract that stipulates payment after the arrival of goods or by bank collection.

在合同规定货到付款或银行托收的条件下，卖方有时会损失钱财。

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