金融英语备考资料口语篇-特种储蓄章程

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　　Special Savings Plans
. W& f! }2 h* i0 H$ K9 J　　特种储蓄章程
　　Situation 21
- @: A4 ?7 A  z8 ]9 h$ \! Z　　情景 21
　　Sally Berklin wants information about the Savings Bond plan atthe First National Bank.
# e% ^8 r# B3 y+ p　　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，
( K. t+ x9 b; r% E　　She is talking to the manager of the Savings Department .
6 }7 |7 V3 m  g　　她正在和储蓄部门经理谈话。
& v, w. _1 j$ x# r# y8 V* _　　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.
7 ]( {" s  }$ _　　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。
+ L1 v, O& m# j( k; V$ |  q2 v　　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，
. {2 O7 j9 I: c) L+ K　　and are available in any amount from $5,000 to $100,000.
　　存款额从5，000美元到100，000美元的任何定期存单。
6 [' o$ V  w& c/ k1 _0 X　　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。
" k2 Y8 n, r, c4 N  L- H　　You see ,we pay accumulated interest by bank check every quarter.
8 K% _7 H& U1 o9 j  `0 w　　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，
　　So they are almost like an investment plan .
　　因此，这些存款几乎就是一笔投资规划。
- l% S" z* L6 Y7 E+ V6 L* B; i　　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？
　　M;Well,unfortunately ,you would incur a penalty ,as with any premature cancellation of a timedeposit .
3 Q' R; Y- S! m! b% o; u* 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。
8 [( b6 ^9 b/ W/ U) }, }6 X' S　　B;They sound like an excellent investment idea,especially the advantage of receiving earnedinterest every three months .
$ m" n* U; X* q　　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。
3 K: w3 P/ V6 v" L$ ]2 |3 P$ h　　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。