Part B Dialogues

Dialogue 1

A—clerk B—customer

A: Good morning, sir.May I help you?

B: Good morning.I’d like to deposit some money.Would you please tell me the interest rate for a regular savings account at present?

A: Of course.It’s 0.5%.

B: How about the interest rate for the fixed deposit?

A: There are six kinds of fixed deposits in our bank.They are three-month, six-month, one-year, two-year ,three-year and five-year fixed deposits.Which one do you mean?

B: Six-month and one-year deposits.

A: 3% for six-months and 3.4% for one-year.

B: I see.Please arrange a five-thousand-yuan regular savings account deposit for me.

A:Very well.It’s very convenient with a regular savings account.You can deposit or withdraw money at any time...Please check the deposit slip and sign your name.

B: OK.Here you are.

A: Your bankbook.

B: Thank you.

A: You’re welcome.

Dialogue 2

A—customer B—clerk

A: Hello,Miss.I want to deposit RMB 10,000 with your bank.

B: Yes.How long do you want to keep it in our bank?

A: One year, please.

B: Oh, you want a time deposit.Then you have to fill in this form with your name, ID card number, address, telephone number, deposit term and the amount you want to deposit.

A: OK.By the way, what if I need the money for an urgent need before the maturity date?

B: Don’t worry.You can draw your money at any time.But you would not receive the stated interest return.

A: You mean I would lose all my interest?

B: No, not all.What we can offer is a current one.

A: I see.What if I forget to cash my money when the maturity comes?

B: In that case, we’ll just regard your account as a regular savings account from then on.If you like, you can select automatic renewal.

A: Automatic renewal?

B: That means your time deposit will be automatically renewed upon maturity date when you don’t cash your certificate.

A: I got it.Thank you very much.

B: My pleasure.

Dialogue 3

A—customer B—clerk

A: Could you tell me what should be done if I want to deposit some money?

B: Sure.First of all you should know that there are four ways to deposit your money: current savings deposit, lump sum fixed deposit, installment fixed deposit and time-demand deposit.

A: My goodness, it’s so complicated.Could you please explain to me one by one?

B: O.K.Current savings deposit is a method of deposit that sets no limit on deposit term and deposit or withdrawal amount.It’s the most basic deposit of a bank.

A: I see.How about the other kinds of deposit?

B: Well, apart from current savings deposit, all others are referred to as time deposit.It is a kind of deposit with a definite deposit term .It is deposited in a lump sum or installment and withdrawn together with the interest in a lump sum.The longer the term of a time deposit is, the higher its interest rate will be.

A: Thank you for your explanation.

B: It’s my pleasure.

New Words and Expressions

amount [E5maunt] n. 金额，数量

urgent [5E:dVEnt] adj. 紧急的

maturity [mE5tjuEriti] n. 到期，到期日

regard [ri5^B:d] vt. 当做，看待

automatic [7C:tE5mAtik] adj. 自动的

renewal [ri5nju(:)El] n. 续订，更换

installment [in5stC:lmEnt] n. 分期，部分

complicated [5kCmplikeitid] adj. 复杂的

interest rate 利率

regular savings account 存折储蓄账户

What if...? 如果……将会怎样？

lump sum 一次总付的钱款，总额

current savings deposit 活期储蓄存款

lump sum fixed deposit 整存整取定期存款

installment fixed deposit 零存整取定期存款

time-demand deposit 定活两便存款

Notes

1.What if ...?

如果……将会怎样？

如：What if he is late?

2.regard…as…

把……看做……

如：My mother always regards my favorite jeans as a piece of junk.