金融英语备考资料口语篇-特种储蓄章程

会计考友

　　Special Savings Plans
　　特种储蓄章程
" R- ~3 y8 ~( ]　　Situation 21
% m5 [6 e/ U: z: |7 a　　情景 21
' }/ X7 W) F5 K) X　　Sally Berklin wants information about the Savings Bond plan atthe First National Bank.
. o2 o4 d$ D5 v) T, X1 K- |　　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，
1 x) e0 ?) Z) i3 A9 g　　She is talking to the manager of the Savings Department .
　　她正在和储蓄部门经理谈话。
' e% u( [( b# A5 t; y. Y　　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.
　　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; N+ f  C' ]! G5 }. L　　Actually ,they are certificates of deposit for maturities of six to ten years ,
　　实际上它们是定期为6到10年的存单，
6 X( j1 [& d2 m9 u7 @　　and are available in any amount from $5,000 to $100,000.
　　存款额从5，000美元到100，000美元的任何定期存单。
　　B:Oh,they are only for people with lots of money .
' e! F: B1 l, k! N: y　　伯克兰：哦，这个章程只是为那些很有钱的人设立的。
% Q* X8 l" z$ t) f, V/ E- c- c" O　　M:Well ,actually you’d be surprised at the number of middle-income people who use this program,especially retired people.
) W3 k- E- V  Z$ V/ C5 e　　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。
　　You see ,we pay accumulated interest by bank check every quarter.
. a% v; k/ {! q0 w6 L& z" O% m$ t: D　　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，
1 ]9 i8 S: J6 o* P! h: f　　So they are almost like an investment plan .
/ |, M, ?& X9 j) K& _8 l  Q　　因此，这些存款几乎就是一笔投资规划。
　　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？
$ K; m7 I" Q( B0 E, ~4 o; a& {　　M;Well,unfortunately ,you would incur a penalty ,as with any premature cancellation of a timedeposit .
　　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。
% e* }& X7 l  F2 O　　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 .
/ b% w" F  o" D: A　　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.
0 K+ l7 J, C! A( i6 F7 d　　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。