金融英语口语：特种储蓄章程

会计考友

　　Special Savings Plans
　　特种储蓄章程
　　Situation 21
& t) N0 s& T0 e' w3 X) X" S　　情景 21
　　Sally Berklin wants information about the Savings Bond plan atthe First National Bank.
5 v8 g; V$ |1 j　　萨利·伯克兰在第一国民银行想得知一些有关储蓄债券章程的信息，
" ?+ L. |0 G7 D6 Y　　She is talking to the manager of the Savings Department .
6 j1 F$ H6 T/ l- k5 z　　她正在和储蓄部门经理谈话。
　　Berklin:What do you mean about the Savings Bond plan?Is it possible for me to use that type ofaccount ,too?
　　伯克兰：您所说的储蓄债券章程是什么意思？我是否也能使用这种帐户呢？
　　Manager:Yes,of course .We offer it to all our customers.Our Savings Bond program offers ourhighest rate of interest for long-term savers.
1 p" T- Q# f$ Z9 M: `2 J　　经理：当然可以，我们向所有顾客提供这种帐户。我们的储蓄债券章程对长期存款储户提供最高利率。
* [, v+ ?5 E$ w7 P1 `6 i5 d6 h6 B6 D6 F　　Actually ,they are certificates of deposit for maturities of six to ten years ,
9 c# J$ h2 F+ @' }' j  b# _　　实际上它们是定期为6到10年的存单，
　　and are available in any amount from $5,000 to $100,000.
　　存款额从5，000美元到100，000美元的任何定期存单。
) x, f$ Z" F9 M0 H+ i/ Z　　B:Oh,they are only for people with lots of money .
　　伯克兰：哦，这个章程只是为那些很有钱的人设立的。
　　M:Well ,actually you’d be surprised at the number of middle-income people who use this program,especially retired people.
　　经理：实际上，相当多的中等收入的人特别是退休的人都用这种章程，您会对其使用人数之多感到惊奇。
' K+ c1 x6 u5 q! V　　You see ,we pay accumulated interest by bank check every quarter.
% {( T5 f; l2 N　　您看，我们每个委度都以银行支票的形式向顾客支付累计利息，
4 c& @% l8 V8 r- J5 ?3 q9 u1 M$ G　　So they are almost like an investment plan .
3 E- @/ S# B6 p9 k  R" P5 v8 K　　因此，这些存款几乎就是一笔投资规划。
9 J$ S2 X( Q* H9 W　　B:That sounds very nice.But what if I have to cash in the Savings Bond before maturity?
　　伯克兰：听起来真不错，但是如果我不得不提前兑现储蓄债券怎么办？
( r6 t* T) y% u　　M;Well,unfortunately ,you would incur a penalty ,as with any premature cancellation of a timedeposit .
4 G' G$ W* y! F0 x5 k: ~4 c　　经理：很遗憾，就象提前支取定期存款一样，您得接受一定罚款。
　　But we encourage customers not to buy Savings Bonds unless they are reasonably sure they canhold them until matuity .
　　但是，我们希望顾客们十分确信有把握直到期满才支取存款，再来购买储蓄债券。
　　B;They sound like an excellent investment idea,especially the advantage of receiving earnedinterest every three months .
　　伯克兰：听起来这是个极好的投资办法，特别是每3个月就能得到利息的好处。
　　I’ll consider placing some of my savings in Savings Bonds as soon as I save enough.
　　等我把钱攒够了，我马一考虑把我的一部分积蓄换成储蓄债券。