a written acknowledgment by a bank or banker of a deposit with promise to pay to depositor, to his order, or to some other person or to his order, means of acknowledging a short term debt whose technical characteristics vary somewhat from one country to another, hoiusetõend; deposiidisertifikaat - tõend tähtajalise hoiuse sissemaksmise kohta. Hoiusetõendeid võidakse enne nende väljamaksepäeva osta ja müüa.