Banking Transactions Tiếng Anh trong giao dịch ngân hàng quốc tế là cuốn sách song ngữ kèm bài tập, bài giải và chú giải dành cho doanh nhân và những ai muốn trau dồi thuật ngữ và các tình huống sử dụng chúng trong giao dịch ngân hàng quốc tế. Sách được chia thành 2 phần, mời các bạn tham khảo phần 1 cuốn sách.
Trang 1TIẾ NG ANH TRONG
GIAO DICH NGAN HANG QUOC T TẾ
FRANCIS RADICE Nguyễn tình Quang ts _ Nguyén Trọng Thùy œ NHÀ XUẤT BẢN TRỂ `
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lời giới thiệu fs
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Ngân hàng tại các nước phát triển và một số ít chỉ nhánh, vềt, “hàng nước ngồi ở Việt Nam hiện nay, cĩ rất nhiều dịch vụ ngân hàng đá dạng, đem lại
tiện lợi chưa từng cĩ cho khách hàng Trong đĩ, cĩ một số địch vụ áp dụng các
thành tựu máy tính đã cĩ những bước đột phá Chẳng-hạn, với “dịch vụ ngân
~~ hang tai nha” (home banking), hau nhu bạn rất ít khi | phải đến ngân hàng Phần lớn các giao dịch giữa khách hàng và ngần hang déut thơng qua máy tính tại nhà nối mạng với ngân hàng Các nghiệp vụ phong phú khác như chuyển tiền tức thời (instant transfer), thanh tốn bù trừ (cleafing), sử dụng séc (cheque), sử dụng
các loại thẻ (card) như thẻ tín dụng, thể thanh tốn, thẻ rút tiển mặt Cùng các
nghiệp vụ khác như thuê mua (lease purchase), cho thué tai chinh (leasing), bao
thanh ton (factoring), cac phương»thức- thanh tốn, tài trợ (finance) trong xuất
nhập khẩu, tư vấn (advising) cho khách hàng, thanh tốn SWIFT, CHAPS, CHIPS, BACS tất cả được đề cập Yong cuốn sách này
Hiện nay người làm việc: trong ngành ngân hàng cũng như người cĩ giao dịch ngân hàng ngày càng ! tảng Cuốn “Banking Transactions” chuyén vé Tiếng Anh trong giao dịch ngân: 'hàng quốc tế đã cĩ mặt tại nhiều nước Chúng tơi chọn dịch, trình bày sịng ngữ, chú giải từ khĩ cùng với phần bài tập da dạng
kèm đáp án, hy vọng sẽ đáp ứng được phần nào mong rmuốn tìm hiểu của các bạn Nếu bạn cĩ thể đọc-hiểu những bài reading (bài đọc, cĩ phần dịch di kèm) thì việc hồn thành các bài tập sẽ khơng gặp khĩ khăn nào đáng kể
Cuốn sách cần thiết cho các bạn trẻ dang được dào tạo thành các nhân
viên ngân hăng tương lai, cho các bạn mới vào ngành ngân hàng Cuốn sách
cũng đáp ứng nhu cầu của các bạn là khách hàng của ngân hàng - những người
muốn biết khái quát các nghiệp vụ ngân hàng, đặc biệt là thuật ngữ và cách sử
dung: chúng trong các tình huống giao dịch ngân hàng
gO Chúng tơi xin gửi lời cám ơn một số đồng nghiệp ở Vietcombank TP.HCM
ˆ`'đã dành thời gian đọc và gĩp ý kiến qúy báu cho các bài dịch _= Chúc các bạn thành cơng
Những người dịch & chú giải
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WWW.DAYKEMQUYNHON.UCOZ.COM WWW.FACEBOOK.COM/DAYKEM Contents Mục lục © Unit 1: CHEQUES Séc (chỉ phiếu)
e Unit 2: PLASTIC MONEY
Tiên nhựa
* Unit 3; PERSONAL ACCOUNTS
Tài khoản cá nhân
e Unit4:INTERBANKELECTRONCS `
Kỹ thuật điện nt LignHang - Se
e Unit 5: OPENING BUSINESS ACCOUNTS, ⁄ 68
Mử tài khoản doanh nghiệp & y :
* Unit 6: FACTORING SERVICES», 83
Nghiệp vụ bao thanh sốt 4
© Unit 7: VINOGRADOVA’ {ABVISING A BUSINESS CUSTOMER)
Tư vấn cho goa Henk nghiép 98
e Unit8 : ZAMEC @XPORT FINANCE) 116
Tai try ult khẩu (phân căn ban)
e Unit9: MARKETING BANKING SERVICES 136
Ae thi dich vụ ngân hàng
e -Unit 10: AMADA (EXPORT FINANCE) 154
KY Tài trợ xuất khẩu (phần mở rộng)
“e_``10 phần bài tập tương ứng cho 10 Unit
_ Bài dịch sang tiếng Việt tồn bộ các bài đọc (reading) cho ¡0 Unit
Phan Tapescripts
Phan Answer key (đáp án của phân bài tập)
Phân Glossary (chú giải từ khĩ bằng tiếng Anh)
Trang 5
UNIT 1Ơ Cheques 4
This unit contains the English you need to 'v@leskznl and xen cabot cheques, cheque cards and cheque clearing,
A Discussion I
A crossed cheque
a) Practise saying the expressions below, aia —
b) Study the cheque and complies the labels, Rite the expressions in the
box )
drawer draw'ee (drawers ban “payee a’mount in words
amount in ‘figures cheque ‘1 ‘number account ‘number sort code ‘signature of dr' awet date ‘counterfoil ' crossing
ng Pf OY 2: TÌE :¿: 2: - 1 Counter 3 Drawee( 14-20-20: 19 AS ) Mu LOMBARD — - — _-— s-=.-~.=.=.~=.mem=ms=~emm=.m=~=< ^^ ` >>» é
\ Spe” Marmra Lombard Bank ple cổ
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t sable > whe :
The Ane vit 8 Thecheque 9 The BO ENG wrsccsiscsssivis 11 Theamountin 12 The drawer's jn a wae ace code number justine =, cata aR
Crossed cheque (n) : Séc thanh tốn chuyển khoản Drawee (n) : ngân hàng của người ký phát Drawer (n) : người kỷ phái (Séc): - ln'words : (tiền) bằng chữ
In figures ` ¡ uiến) bằng số Cheque clearing , sự thanh: tốn Sác A Counterf> | (n) : cuống (Séc) - - Cheque cardtn) : Thẻ Séc
SY Sortcode n) : Mã chỉ nhánh Ngân hàng :
Trang 6WWW.DAYKEMQUYNHON.UCOZ.COM -—-—-_—_— WWW.FACEBOOK.COM/DAYKEM i B Discussion I] : | wt A S0 SÁU VÀ ae tS “ Tớ x : A—NGg An open cheque | : Œ@) TL ys Payee (n) Pay MANARA LOMBARD Ai) BANK PLC : 10 U} Ivanova, Zamina 707303 16-20-20 4” 007303 ] B»eDend ' Cc Practice ¬ SN Ys A ¿
Supply one word or phrace'tr TA the list below for each numbered space
(Some words are usedAwice
SN Bocas De yo:
cash lines - Rests, paid crossing vorder crossed make out payee identity drawee ngàn account bearer person open
The great advantage of using (1) for payments is that you don't have te
carry largéamounts ‹ of (2) around with you Your money remaitts in : your bank (9 .„ whereTt is safe ftom loss or theft A cheque is serie an
(4) 2 writing to your bank to pay money from your Ba, to, at somenite else “This can be done anywhere without going near a bank Aes
xà
A
You simply Ohi ,„ the cheque and give it to the payee You are the nm? 3 |
sabia : your bank is the (8) and the person you are paying is the @Ÿ;
te Số ` YNowadays cheques are usually printed with two (10) „ down the middle
Latter of authority Đĩng gĩp PDF bởi GÌ Nouyên = only he (12) pave
N which are cailed the crossing A (11) cheque means the money can, into a bank account i the cheque is crossed ‘Account (J 3) — ’ jt can only be paid into the account of the(14) named on the
chang Ơn the other hand an (135) shea can be cashed, if the (16)
has written "HN Cash' or Pay! (17) instead af the name of a Cheques without & 6b, | ố lines printed on them are (19) cheques and can be cashed or paid into the payee's bank In this case a letter of
authority from the drawer is needed and proof of (20) from the bea#er
_ nộp vào
; người cầm (Séc) _+8&c vơ uanh
: người được thanh lần
: thư ủy nhiệm
Thanh Tu
Open cheque (n) : Sĩc mở :
Proof ofideritity — : bẰng thứng nhận diện ˆ Drawee (n) : ngân hằng của người ký phát (Sáo)
Drawer (n) : ; người ký phát (Séo)-
Trang 7lạ D Discưssion III A bank card
E ZAMINA COMMERCIAL a drawers bank
BANK sẽ Me
BANK CARD me | +—me
4904 2515 1188 2228 — VALS FROM 05/92 ur 05/84 MR M DAVIS
F———— The card number
82-33-44
< | :
The sort code
eccousr 00888684
The account number
Magnetic Stripe - Signature of account holder fr~t —_ AUTHORMISEO 8)GHNATURE
tr t are bank cards
Swit Casi 1 T
This catd can This card can be used for be used for EFTPOS getting cash from
an ATM
used for?
+ “ˆComplete the passage, supplying one word or phrase from the bax from
“each numbered space,
| sortcode cheque If customers want to pay pe
(2)
.*
of the customer’ The salesperson also make
is the same as the signatu
Ws same as.on the (ad —
Bank card (n): : : thể ngân hàng
EFTPOS: -máy chuyển tiền điện tử tại diểm bản +, "hàng
ATM: máy rut nee w động
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way! the customer's bank (4)
limit guarantees signature number bank |
for goods or services by cheque, they can use their
card tơ guarantee their cheques In a shop, the salesperson will ask to see the card or cheque‘guarantee card The salespersan will write down the
s bank card on the back of the (3) In this
payment up to a £5SÚ or £100 (5)
sisi on the cheque
of the bauk is
c x.e BPEL Y Ít CC ÀZ KẾ? € [uy 11 CÀ! 4? ses«c«sss+
es sure that the customer's (6) re on the bank card The (7)
also on the bank card This number, and the name of the bank, should be the
Account holder (n) : chủ tài khoắn Sorl eoda (n) : mã số chỉ nhánh _ Expiry date : ngày hết hạn
Magnetlc Stripe(n) : dải băng từ
Trang 8WWW.DAYKEMQUYNHON.UCOZ.COM WWW.FACEBOOK.COM/DAYKEM
L E — Discussion IV: Grammar and vocabulary | |
: : A
S Ask and answer questions about cheques and cheque guarantee ty cards, using the examples and the nates below You may add questions of & vour own if you wish
| Asking about identity | What is the sort comet |
E camples:
What is the sort code? It's the number which identifies
the bank and branch => What is the account number? _ It's the number which ⁄ fy) s
Who is the drawer? He or she is the person who <C NY writes the cheque kề, a) cone the drawee? (~
hì tưng payee?
cÌ _ Crossing?
'¡ NI” counterfoil? Sey c) -„- A Cheque guarantee card? #*4 Ÿ
'INNH an open cheqtte? C4 ge) : ees crossed cheque? ` BỊ se exe bearer cheque?
j} ” eee bank card?
| Asking about purpose | What is it for?
Example: hes
Whiat is the sort code for? It’ lor Mentfying the bank which
issued the cheque j AS `
a ae the account nùïđher (or? HO cammẽí the CTORSING) for?
CE G148 a bank tard for?
NT confnterfoil for?
L F_ Readingl ¥ |
The sheque clearing system
> In Britain a cheque may be drawn anywhere without being taken to a bank, a I\ rriay be given to the payce either directly or sent by post No signature of a
“bank official is needed The payee sends or takes the cheque to his bank
ye ‘hich credits the amount to his account and sends the cheque ta be presented “to the drawer's bank through the clearing system The payee's bank also
prints the amount of the cheque in magnetic ink at the bottom
The clearing system is operated by The Clearing House in London, of which the high street banks are members Every day the Clearing | louse clears dA millsons of pounds’ worth of cheques Each cheque is fed into a machine
«Sy TÚ which reads the numbers printed in magnetic ink along the bottom The-
A Clearing, ffouse adds up the total amount each bank owes towach other bank
\y and reconciles the difference in the banks’ accounts with the Bank af England (the central bank of the UK) The cheque is then sent to the drawer's bank
——>-——
Bearer cheque (n) : Séc vơ danh Clearing House (n) : Trung tâm thanh tốn b> trừ Crossed cheque {n) : Séc thanh lốn chuyển khoản Counterfoil (n) : cuống Séc
“` (n) : Sẻc mở - Sort code {n) : mã chỉ nhánh
: nhận diện Drawer (n) : người ký phát (Séc)
ity inh Drawee (n) : ngân hàng người kỷ phảt Sác
Y Reconcile (v) : bù trừ, điểu hỏa Payee (n) : người được thanh tốn
B £
Trang 9which debits the drawer's account This process, from the time when the
IS payee pays the cheque into his/her bank until the cheque is debited to the he drawer's bank account, takes three days
3 vn ,
Payment by some form of non-cash instrument, such as cheques, is SOA ` SJ common in the UK that only 8 per cent of the total money supply is jđ thế
form of nates and coins People normally use cash only for small purchases 20 so the banks du not have to keep much cash in circulation 4 “N y
SS
~ - Sometimes the drawer's ban may decide not to honour a cheque’” it may be because there is not enough money in the drawer's ac count or the cheque may be incorrectly written In such cases the drawer's bank ‘returns the cheque to the payee's bank marked with the words ‘Refer to drawer’
| G Discussion V: Vocabulary i -S passage it : ? -bank fs 8 account 9 £100 z3 lanh —ị Cred 4_ _ | of payee £100
earl Bank of England \
2 † W k 4 (6_ . bank of the UK} ,
AY Accounts of Clearing Banks
ï Bank A Bank 8 Bank C Bank 0
f= -“ : +f— +j-
Circulation (n) : sự lưu thơng
Circulate (v) - : lưu thơng Honour (v) - chấp nhận thanh tốn
Clearing bank (n) : ngân hàng tham gia TT bủ trử Drawer (n) ; người ký phát Séo - Payee (n) ; người được thanh tốn Refer lo đrawer : viết tt là R.D
Instrument (n) :phudng tién, céng cy ( thanh | "Tra sốt người ký phát
tốn )
Trang 10WWW.DAYKEMQUYNHON.UCOZ.COM “Clear (v) - #€ <s Drawer tn) © ` ) Present (v) a SY Magnetic (adi): A) Honour (v) 10 15 20 25 WWW.FACEBOOK.COM/DAYKEM
2 Now supply the correct word for each numbered space If you cannot `
remember them all, look back at the complete passage for the answers A
In Britain a cheque may be (1) anywhere without being taken to a Q1 It may be given to the (3) either directly or by post
No (4) of a bank official is neeđed The (5) sends or takes the CO
cheque to his bank which (6) the amount to his/her account anđ(7) — „`7
“ : the cheque ta be presented to the (8) bank through the clearing 4A Y system The payee's bank also prints the amount of the cheque in magne =
ink atthe bottom _ AS
The clearing (9) is operated by the Clearing House in London of which
the high street banks are (10) Every day the Clearing Houselears
millions of pounds (11) of cheques Each cheque is fed intova (12) —
which reads the numbers printed in magnetic ink (13) the bottom ‘The ©
Clearing House adds up the total (14) bank owes to cach other bank
._ and (15) the đifference in the banks' accaunts with the Bank of (16) sisi (the central bank of the UK) The (17) is then sent to the drawer's bank which (18) the drawer's account This process; from the time when the (19) pays the cheque into her bank until the C20 saicivenns is debited to the drawer's bank account, takes (21) , hs: ~ Hays
Payments by some form of (22) instrum - Rùch as cheques, is so C23) scassnis in the UK that only 8 per cent of the ay money supply is in
the form of notes and (25) People normally use cash only for small
tKcesaa so the banks do rot have to keepimich (27) in circulation:
Sometimes the drawer's bank may decid? not to (28) a cheque It may
‘be because there is not (29) toneyin the drawer'saccountorthe -
cheque may be (30) written The drawer's bank returns the cheque to’
the (31) bank marked with th ‘words ‘Refer to (32) 1
Word matching
X 1 "-
3 Match each of the banking verbs on the left with the correct explanation
on the right (The stress occurs on the first syllable except where shown.)
RS
Verb _ Explanation ˆ 4 credit - ‘pi ss a cheque through the clearing system ;
debit (©) ‘write a cheque
honour, ` — make two ac'counts agree pre ‘seri < tá change an ac’count
draw ¿ ¥ move round the country
clear ' draw two lines dawn the middle of a cheque L % 8
(roS8 add money into an ac count :
reconcile show and ask for payment
A “a'djust ¬
S›circulate sub'tract money from an ac count
Sy
; thanh tốn bù trừ Clreulatlon (n) : sự lưu thơng ttiển a)
; người ký phát (Sĩc) Circulate (v) : lưu thơng
-, xuất trình, nộp ' - Clearing House tr) : Trung tam thanh win _
: tử tính Reconclle (v) : bủ trừ điều hịa, tu ; chấp nhận thanh tốn
10
Trang 11Particles and prepositions
: : ẹ FX
4 Choose the correct alternative to complete each sentence 2x
a) Acheque is g0 an order to your bank to pay money
(1) fromfinfwithinjout of your account (2) ƒor/to[in ƒauotr ofln† scmtbcs else
b) Acustomer can pay (3) with/by/injfor cheque for goods or services,
c) With a bank card, the customer's bank guarantees payment (4) down tojup tofalong withfover a limit, say £50 or £100 `
d) Whenan account holđer pays a cheque (5) forlintofinfudthinher bank, the
hank credits the amount cf the cheque (6) inftry/forjto her, account and sends the cheque to be presented (7) at/to/totwards/over the drawer's bank
—e) InBritain the clearing system is operated (8) injoithJforlEy the Clearing
House in London - aS aa
f) The Clearing House adds up the tota! each bank owes to each other bank - and reconciles the difference (9) iniforlbylof the banks’ accounts
(10) atjon/by/vith the Bank of England `
g) This process, from the time when the pa é pays the cheque
(11) atfinside/by/into her bank until (gheque is debited (12) at/tofin/by
the drawer's bank account, takes thtee days
h) Payment (13) under}withjinfoy Some form of non-cash instrument, such as cheques, is very.common ithe DK
A ~
| _ H
J
| Asking about processes |
Asking about possible
outcomes”
“Account holder (n) : chủ tài khoản
Diesen VI: Mesalkg) ad Grammar |
1 Practise the quealiiey from the tape and answer them, using the
example He, thẻ lx -
What happens when 2
Example: >> ‹‹
an account holder pays a cheque into her account?
each other bank?
when the cheque is sent to the drawer's bank? When people make small purchases?
ones when people make large purchases?
CS” when there is not enough money in the drawer's account?
What happens if .?
2 Practise the questions from the tape and answer them
a) suse if someone wants to pay for something in a shop by cheque? DP: Gọi if the drawer wrole the cheque incorrectly?
C: aiane if the drawer forgot to sign his name? đ) lÝa cheque is not crossed?
3 Whatis the difference between questions using wher and those using if?
Paysø (n.): người được thanh tốn: -' ib <<, , Đlearltg Heise (n) - : Trung tâm thanh tốn bù trừ Non-cash InstrumenÌ (n): phương tiện tianfi tdán >) Reconcile {v) : bù trừ, điểu hịa - - na khơng đùng tiền tnặt:
Drawer (n) - : người ký phát Sác Payment(n): sự thanh toắn Tin)
Outcome(n)ạ :kếtquả Deblt (v.): ghi nợ "hp
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11
Trang 12WWW.DAYKEMQUYNHON.UCOZ.COM WWW.FACEBOOK.COM/DAYKEM
Why? and other Wh- questions a 4
wi Fe x
[aa] 4 Use the notes on the right to help you answer the questions on the left CY (The questions are on the tape.)
Questions Notes
a) What does the payce's bank do when (Amount printed
itreceivesacheque? ln Clearing House) b) Why are cheques fed into a machine? (machine can read c) Why are the numbers printed in magnetic
ink along the bottom of the cheque ?
d) How are they processed in the {totals each iankeene
Clearing House? accounts reconciled)
e) When is the cheque sent to the (after processing? msc drawer's bank? GÀ ị f} How long does the clearing process take?
- g) Why is such a smali proportion of the (eticient clearing system /
money supply in cash? payment by cheque) 4 h) Why might the drawer's bank (mạn Yeason ./not enough
decide not to honour a cheque? 9y )
Incorrectly made-out cheques x x y
5 COON Ft & wer —
If a bank finds a mistake in a chequé it wil return the cheque to the
drawer So banks normally examine all cheques to make sure they have
been correctly made out Jae is alist of the ways in which a cheque can
be incorrectly made out ye
Post-dated to a future date —
Amount in words not the same as the amount in figures
Currency in which chequé made out not available
Signature not the asa) signature of the account holder Cheque signed by someone else other than the account holder Cheque unsigned)
Correction incheque not initialled by the drawer
Amount in Words not written ‘ Amount: in figures not written
10 Part of the « cheque illegible (= unreadabie)
11 Not: ‘enough money inthe account, (or not enough credit)
12 Cheque damaged
13 Thờ: cheque becomes illegal if the drawer dies, goes mad or becomes
yw bankrupt
“ ,
Ax, of the above mistakes can be identified by the payee's bank who can
„ © teturn the cheque to the payee But some of the mistakes can only be
el Se identified by the drawer's bank
Which faults in the above list can be identified only by the drawer's bank?
é asco <5 Account holder(n) : chủ tải khoản
A Gurrency (n) : tiền tệ In words : bang ch?
dN tigurềe : bằng số Clearing Hou§e (n_ : Trung tâm thanh loắn bù trừ
;›_ Illegible (adj): khơng đọc được Magnetic (adj) tử tính
Bankrupt (adj) : vỡ nợ, phá sản Payee (n)¬ : người được thanh tốn Makẹ 0ut (v) : ký phát, viết (Séc) Drawer (n) : người kỷ`phát Séc -
12 =>
Trang 13
| I Activity
Spot the mistakes
The first to spot all the mistakes in the cheques is the winner The first,
one has three mistakes The second one has four mistakes “ — ˆ
22-33-44 19 g 3 : : ¥ 000397 Le ee D039? - 22::3344% ee ee ee oe WV Hae 16-20-20
, CMANARA LOMBARD St Jan 19 99
BANK PLC a MP
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Trang 14WWW.DAYKEMQUYNHON.UCOZ.COM Dong WWW.FACEBOOK.COM/DAYKEM L Dialogue =
ma Listen to the recording of a ‘phone conversation between Mr Symonds and ak, “his bank and complete the script as
Clerk Manara Lombard, May T help you?
Symonds Yes, I have an account with you and I have just tesegae:c-vp ii TDUXP
cheque to pay for a second-hand car The engine has fallen’ S
out and [ want my if ¬%v
Clerk if you give me the _ of the cheque, [can Ss y a _ onit for } you, sir äầ-
Symonds What d'you mean? \
Clerk It's.a simple matter, sir If you want to payment,
you tell us and we refuse to pay the cheque v when is:
Symonds So, how can 7 E> Ð Clerk First, give me the : —_ _
Symonds Yes,it’s —— - iu one, Š ne eight
Clerk Oh two one, four nine eight? Ke 2»)
Symonds _ That’sright- - - ˆ A ¥ ee Clerk And your account number? , A X ®`
Symonds ft any Nis _ eighty four
Clerk Right, one two one nine four Is
that right? ’ Nà a Le
Symonds Yes, that's it Ly
Clerk And who was the cheque vất, ?
Symonds The ny aS John Gardener
Clerk Thats _ — `
Symonds Yes, @_Ÿ
Clerk And whatdvas.the _ of the cheque, sir? Symonds It was four = ` Barakonia dinars
Clerk Thank you lalsoneedtoknow _
ct of the cheque
Symonds ltwas the 18th of June
Clerk Fine, you leave it to us,sir We will = —
RS -_ on the payment
Symonds ‘hank you Goodbye
Wy | K Nội Fhy a wt a
Works in pairs, one as customer and the other as banker Customers ` ¬ ỳ vy telephone bankers to stop the cheques listed below
4 Account Cheque Payee ; Amount Date baa number number
` a) 14321765 098765 ThomasMatthews$§38 - 3rd April
b) 16471815 000023 GiantStoresLtd £79.50 12th December
c) 17651066 034567 ExpressRepair BDnrs 5O 6th August d) 12151389 765321 Star Restaurant £31.74 Ist July
Banker (n): người của ngân hàng Payment (n) ; sự thanh tốn (chỉ trả)
gdp PDF boi GI
Accouht number {n) : 86 hiéu Tal khodn DInar (n) : đồng tiền của Nam Tư, lrắc_
14
Trang 15ER su Plastic Money | A
Dong gop PDF boi GV Neuyén Thanh Tu
Contents
VN ; \Ì F4
This unit cantains the English you nced to understand and'talk about
different kinds of plastic money `
An American in Harrods
Plastic money (n) ;tiền nhựa (các loại thẻ Ngân hàng)
Trang 16WWW.DAYKEMQUYNHON.UCOZ.COM WWW.FACEBOOK.COM/DAYKEM
— £ - ee te : RAT - +: 2E + ”
| | B Discussion I ở l |
i = Before reading, discuss the following question in pairs or small groups: + Ke,
{fr ¥
, + I
What are plastic cards used for? A X )
A SN
RLY
You can answer this question both from the customers’ point of view andthe” banks’ point of view To help your discussion, you may use the following, table to make true sentences
| adjectives verbs nouns
“Medical (adj) lace of cash ” Give credit Make payment Obtain cash » Credit card (n) Smart card (n}
Dong gop PDF bởi GÌ
convenient
safe
They are ecanomic ( way
method 2 _ making sending =~ saving A sĩ giving reducing transferring _ pay ments money time credits costs funds 10 20 ; ylế : tơi dùng tiến mặt : cấp tín dụng ; ta lệnh chỉ trả ; rút tiền mặt : thé tin dụng : thé thơng minh Nguyên Thanh Tú 7 ! ' ' ' ' ' 1 { ' 1 1 4 ‘ ' * ' ' ' ‡ pore cash Re eR ewe ew we ed ieee » ah eee Sens
Which sentences apply to banks? =
Which sentences apply to the banks’ cunt Y
A2
Reading I ar? |
Plastic he re oa
(Note: This is simply an introduction More details about the different kinds TY
V/V
` \
of card will follow.)
Plastic moncy is the riven to all types of of plastic card which are used in place of cash T e are different names for these cards but in general they have two main purposes: to enable people to obtain cash; or to make payments withoul using cash or cheques
Banks now mae dvailable to their customers a single card which does three things: it guarantees cheques (like a bank card or cheque guarantee card); it obtains cast-from automatic teller machines (ATMs); and it pays for guads by electronic fiinds transfer at point of sale (EFTI’OS)
A fourth’ use for plastic cards is to give customers credit when they purchase q4 nds ¢ or services Credit cards are issued by credit card companies such as
A eee ss, Mastercard, Visa, American Express Some of these are owned by
“hanks, Charge cards (American Express, Diner's Club) are similar to credit ° cards except that the halder has to pay the account in full cach month and
there is also an annual membership fee
Debit cards are like credit cards except that they are used to debit (subtract) money to the customer's bank account when a purchase is made An existing credit balance is reduced But when a credit card is used, a debit balance is increased
The latest development in plastic money is the Smart Card This carries a
microchip on it with account information on the holder It can also carry information about previous transactions which can be viewed at enquiry terminals Clearly such a card could also be used to carry non-banking information, such as medical and other personal details
ATM: may nit tiiển mat ty động
EFTPOS : máy chuyển trả tiền tại điểm bán hàng Charge carơ : thẻ thanh tốn
Debit card : thé ghi ng
Subtract (v) : trừ
Debit balance : số dư nợ
17
Trang 17
SES eae: “:c ý "sự nr 4 ~~ POAT FN met tr SPR UL 2 Se 20RD T OW RP o aE - bomen An c2, Seti eee
t= D Discussion II
1 Say whether the following statements are TRUE or FALSE according: SS
to the text Lh
a) All plastic money is used for making payments and giving crit ⁄
b) All plastic money is used for making payments or getting cash
cì It is possible to combine a bank card, cash card and clectrgnh) mui card all in one card
d¥ All plastic money can be used to obtain cash
e) Plastic money avoids the use of cash )
f) Credit cards and debit cards may both be used wpe goods in shops # ~ Í Đ 2 Askand answer:
a) What sort of card would a bank account holder use to obtain money
when the banks are closed? ® CA
b) What sort of card is used to Paya for røoodsi in a supermarket or petrol
station without cash, cheque eor credit card? `
c) What sort of card would a ‘hop sk for if its customer wanted to pay for
goods by cheque? NỞ AS > L E Reading I! — | TT = Yy ‘> 7 Va v Cash cards ay
Cash dispenser, autorhatic teller machine or cashpoint are some of the names
given to machines ftom which customers can withdraw money from their bank accounts; using their cash cards They can do this at any branch of their
bank a | the branches of other banks which are linked to their bafik
5 (Nolte: Inthe USA, the teller is a person receiving and handing out money in
a bank This occupation is called cashier in Britain.)
With the cash card, customers also receive a PIN or personal identification _number which they should memorise This number is kept secret even from ( the’staff of their branch When using the dispenser, customers insert the card 0` cand key the PIN number in By following a clear set of instructions which KR appear on the video screen, they can wilhdraw cash up to a certain limit, py check the balance of their account or deposit money
+ ý Not ali banks provide the same automatic teller services Examples of “SY services available from customers’ own branch machines are account
15 information, orders for new cheque books and deposits of cheques and cash
Own-branch machines may also issue mini-statements of account, showing
deposits just made and the current balance
N Ỳ ‘Cash card (n) : thể rút tiền mặt Memorise (v) : nhớ thuộc lịng <<" Sart of card : loại thẻ —— Diapansger (n) : máy rút liền h/ động
Account holder (n) : chủ tài khoản Mini-atatement(n) : tờ saokê rút gọn
Cashler (n) : nhân viên thu, chỉ tiến (ở Anh) Teller (n) : người máy chỉ trả tiền mặt
PIN : mã số nhận biết cá nhân Cashpoint (n) : điểm rút tiền mặt
Daeposit money(n) : tiền gửi Withdraw {v) : rút liền mặt
{8
Trang 18WWW DAYKEMQUYNHON.UC OZ.COM Dong gop PDF boi GI WWW.FACEBOOK.COM/DAYKEM rs A ~ xà SY < Balance (n) : s6 du Withdraw (v) Withdrawal (n) Deduct (v) Transaction (n) Pay into (v) F Vocabulary ©
[=} ! Listen to dialogues on the tape and practise them in pairs Pay A ỳ tỳ Â
particular attention to the intonation of the words in the box «‹ YS
c ` 3 r : ; aS ` ho
dispenser teller cashier withdrawal baiance deposit
_ credit debit cash —
C
a) Theremaining amount of money in an account _ SS b) Maney paid into a bank r ` aS & c) Arecord of the financial transactions of a persĩn or ‘business
d) Anamount of money in an account ® Z
Note to a bank asking it to pay money fromyour account to a named person or business ` `
1 Meney in the form of bank notes andcnins y) - Anamount of money deducted from afyaccount
h} The removal of money from an ắcount i) A machine or person who counts out money
j)) Acontainer designed to a money in regulated amounts k) A clerk who pays out ge receives cash at a bank
2 Without looking back Sd Yrending passage, supply one word from the
passage for each numbered space
Cash (1)
Tr Yy
“
.„ auemliic Vi ĩ machine or cashpoint are some of the
names given to machines from which customers can (3)
their bank accountsusing their (4)
hư ~e‹
5 theirbank- (of
» money from
cards They can do this at any
of Aheir bank and the hư he of other hanks which are linked ta
¢: Inthe USA, the teller is a person receiving and handing out money in a bank This occupation is called (6) in Britain.) With the cash card, customers also receive a (7) or personal
identification number which they should memorise This number is kept secret even from the staff of their branch When using the dispenser,
⁄
io .€sfomers insert the card and key in the PIN number By following a clear
“gel of instructions appearing an the video screen, they can withdraw cash up &s ,» toa certain (8) , check the (9) _ of their account or deposit money 2 3“ Notallbanks provide the same autorratic teller (10) Examples of
ss services available from customers’ own branch machines are (11) -
` 15 information, orders (or new cheque books and (12) of cheques and cash Own-branch machines may also issue mini- (13) of account, showing, deposits just made and the (14) balance
Plastic money ; tiến nhựa : rút tiền Dispenser (n.) : máy rút tiền tự động : sự rút tiền Occupation (n) : nghề, việc làm:
_; trừ đi, khấu đi PIN : mã số nhận biết cá nhân
: giao dịch Cashier (n) : người thu, chi tiền ở ngân hàng : nộp vào Taller (n) : máy, người chỉ tiến mặt
Neuyén Thanh Tu
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Noun-noun word partnerships
AL
3 In these phrases, the fi irst noun acts like an adjective, e.g cheque boa”
How many two-word phrases can you make? |
debit transfer cheque machine bank information video terminal cash fee account een
identification balance statement
‘i enquiry number
membership card
teller account
credit charge dispenser „`“ book a Nie , ,
fund họlđer
(4, Xi
Verb-noun word partnershipa - 3
4 Choose the best verb to cong ae each sentence
a) The bank is charging roving / giving requesting a minimum rate of 8.per cent for the idan »
b) They wrote to the-bank asking it to provide/sell /make/offer a credit of
£10,000 for ont year”
c) Banks have/giv make/offer available various means of payment
d) You can obtain/become/dispense/grab cash at any time of the day or
night <S,
: e) sesh machines give/make/reveal/sell information about
° : 0: Hate iaintin/ hold /keep/guard secret all information about their
customers
gh They paid/awarded/gave/credited the money to his wife's account h) “Nowadays it's easier to refund /draw/take/remove money from your Ww account than to pay money in
VW She depasited/ paid /put/ placed the cheques in her account,
A `) ALYY | Reading III } 4a Se ÂN, A) YY Credit cards z
AL When you buy something you show your credit card to the seller The seller
4 Án takes the details of your card:- the number, the credit limit and the expiry
oy date You sign the seller's voucher (making two copies) which he uses to CXY collect payment from the credit card company For this service the retailer
+ 5 pays a Íee (around 4 per cent of the value œf the transaction) Each month the Sy credit card company sends the cardholder an account which lists that
AQ month’s transactions and interest*charges
4 - “S » “TY
‘Oe ldentificalion(n) — : sỤ nhận biết
,=> 'Dispense (v) : phân phát, ban Grab (v) : tĨfh, vơ
> » Terminal (n) : máy lính trạm Reveal (v) : tiết lộ
NY Statement (n) : sao ké (tal Khoan) Maintain (v) : duy trì, bảo quần
A” Make available : chuẩn bị sẵn Award (v) : lặng thưởng
Y Membership (n) : hội viên Refund (v) : trả lại (liền vay)
r 20
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The advantages of credit cards to the customer are convenience and security A They are convenient because it is possible to buy an air ticket over the si telephone by giving the number of your credit card to the travel agent You eh ` don't have to carry so much cash around, so you run Jess risk of heing robbed OS 8 or mugged Also if your card is lost or stolen, your account cannot he used &S Y by another person, provided that you report the loss immediately Another, — advantage with some cards is that, if you pay your accaunt in full cach, “ month, you payne interest In effect you have a continuous interest- EY
loan
The advantage of credit cards to retailers is that, by making credike Si
available, sales can he increased, and because no money changes hands they
have added security because there is less cash on the premises: On the ather hand, because of the 4 per cent fee the retailer faces increased costs charged by the credit Card company This cost is added to the prices of goods There is also an administration cost because retailers have to keep records, total up
sales vouchers and pay them into theirbanks za ye _ `
lhe cardholder signs three copies of each voucher tne for himself, ane for
the retailer and one for the bank The bank cfedits t the retailer's account for
the value of the vouchers, debits its credit card “company account and sends the vouchers to the credit card companyy The ‘system varies from bank to bank Some banks debit the commissic on dye on the value of the vouchers to the trader's account
RY
When tlw credit card company receives the vouchers it pays the banks
through the clearing system the-valùe of each retailer's total sales minus the
commission At the same tiÃng Ít, debits the cardholders’ accounts and sends
theny a statement each month Ly
The number: of lost andetstén cards are put into a computer network which Iists all last c;edit cards These lists are constantly updated and shopkeepers and other retailers.ĩn the network can quickly check if a credit card
presented by a custonier has been stolen or lost, by passing the card through
their computes termi:
ee 4S Ras ` (adv) „Đen date (n) % ay In effect SY Retailer (n) )' Premise (n) Records ' Terminal (n)
: khơng dút, liên tục Credit card (n) : thé tin dụng
: ngày kết thúc Cardholdar (n) : chủ thẻ
: thực thế Voucher (n) : biên lai, chúng tử : người bán lẻ : Commission(n) - : tiến hoa hống
: cửa hàng Due (ad)) : đến kỳ hạn
: sổ sách Minus (adj) : trừ
; máy tính trạm Pass (v) ; chấp nhận, chuyển qua
Vocabulary” ]
vv 7 :
N tíI>ì oust word partnerships
coma
⁄ Sy
r Make phrases by matching words from the left-hand column with words
⁄ from theright hand column
card terminal interest date ae limit credit 5 network Sey ticket travel tai air holder computer charges administration — agent 21
Trang 21FEDER PRE b26246; 3 sa YS pOT RETIN RY NEES hố
2 Match the expressions on the left with the words of the same meaning — S
on the right, 1đ > ,
: Xa
_ (All expressions are nouns tnless marked v for verb) KY”
x & =c
loan (u&en) pravide (0) 4Á Y
money - purpose - -y
3 fee ATM AS
buy (t) retailer
: shopkeeper place of business
‘ bank card cheque card
cash machine purchase (uv & n) use (v & 11) charge(uden) -
supply ( & mì) cash {z && #1) (>) premises credit (v & m) `”
3 Malch the words on the left with the wid of oppasite meaning on the
right AS = _Z
sale (m) _Splie (n) x
debit (1 & v) <`disad vantage (n)
reduce (t} A a withdraw (v)
deposit (n & v) A Y cost tr & m)
advantage (1) credit (v & 1)
price (v & m) increase (t' & 11)
customer (1) 5) purchase (v & n)
R I Discussion IH] 7 |
( -
Put th HO wing sentences in the right order
i
AC At the end of the month the credit card company sends a statement of ” Cardholder pays by cheque or lets debt grow
Bank credits the retailer's account for the value of the vouchers and debits the commission
Retailer completes voucher
Bank sends vouchers to the credit card company
Credit card company pays hank minus commission,
Retailer sends vouchers ta his bank
Retailer checks that the signature on voucher is the same as thal on the credit card
Customer hands in credit card
Credit card company debits cardholder's account
aw ) K Customer signs voucher and takes goods
+ L— Retailer checks card in computer terminal to check that the card ham net
& "7 _ been reported lost or stolen
statement (n) : 890 ké oS v ATM (1) ; : máy rút tiền tự động
Cardno)der (n) : chủ t›ể Deposit (n) : tiền gửi (vào tài khoản)
Commission(n) — : liền hoa hổng Deposit (v) - : gut (tién vao tai khoắn}
Retailer (11) : người bán lẻ Credit card (n) : thể tín dụng Computer termine! (n) : may tinh tram Bank card (n) - : thể ngân hang
22
Trang 22WWW.DAYKEMQUYNHON.UCOZ.COM WWW.FACEBOOK.COM/DAYKEM | J Note-making
Complete the following table of notes:
Credit Cards
: ADVANTAGES f
To the customer £ _%
} hunaa-a-ae way to do shopping (no need for cash or cheque book) 2 S§ (Money can't get stolen or Jost) ha
3 1.x Íree credit vn
To the seller AY
1 Ï sales
È Yeatef against robbery /theft
DISADVANTAGES
To the customer AN > en
1 Temptation to overspend and sd g get into debt
2 Higher prices of goods and services (to pay the cost of the credit card
service) AMY a ry “ Sy TS ïN — To the seller W fÍuaseessaez nh costs
2 4percent f 4 05% to the credit card company
3 Prices to all nh Äe have to be to pay the a costs and commission
= K Reading 1V |
EFTPOS `
EFT pos is exactly what it stands for : Electronic Funds Transfer at Point of „ Sale: The cost of goods is transferred electronically at the point of sale from Ag ‘the customer's bank to the seller's bank The point of sale is at the
, Supermarket or petrol station where customers use their plastic cards to pay for goods The sales person swipes (passes) the card through a card reader which reads the information on the magnetic strip on the back of the card The card reader enables the cash terminal computer to send the customer's
details via telephone wires to a Central Switch The card details are wicoded
for security The Central Switch selects -he carrec: bank and sends the card
details to the customer's bank's processor which checks the following information:
& Authorisation Checklist
“ 1 Card issue number
- ‘ Has the card been reported stolen?
"hs 15 A The expiry date of the card
› : 4 The value of the purchase
F Encode (v) : mã hĩa Swipe(v) - : chấp nhận
AY
` Temptation (v) : sy cam d& Readar (n) : may doc
Get into (v) : mắc vào, lâm vào _ Authorisation (n) : sự cấp phép cs Overspend (v) - : xài quá khả năng Administrative cost: chi phi quan iy
SY Transfer (v) : chuyển Commission (n) : tiến hoahồng
EFTPOS: hệ thống chuyển trả tiền tại nơi bán hàng Processor (n) : bộ xử lý máy tính
Plastic card (n) :thénhya - Central switch (n) : máy tính trung tâm
23
Trang 23Veh
20
25
cae sanneenn + FIN SLT MIEN EVA TS IE TN qr carte
xá “<< - foe
5 _Is there enough money in the customer's account?
6 The retailer's identification number
7 The retailer's terminal number
if everything is in order, the customer's bank's processor sends a coded A authorisation to the Central Switch which sends the message to the shogf `
The shop's terminal confirms the payment, issues a réceipt for the customer to sign and the customer can take the goods away At the same time the
Central Switch transmits the value of the transaction to the shop's‘bank’ if the
payment is not authorised the customer has to find another way‘to pay for
the goods `
After three days the customer's hank debits the vatue of the purchase to his or
her accuunt Meanwhile, also after three days, the shop’s bank credits the shop's account with the value of the poods * WS Ny _s
Y
Vocabulary
Diagram completion
} Use the (ollowing words and phrases from the passage and words which you have learned from previous unils to complete the diagram
4— >
Magnetic strip Authorisation * + Point <~/ Cash termitial fo N 2 Details Processor Switch
Dangers 6 |_| Cental Computer $.—
t _ ol supermarket's
supermarket ck — - HD
Y : i
A oe q ‡ ¬
_ “`, Paymenl VIA
.!= Cisaring Customer INTER-BANK
'/BANK OF ENGLAND \ System 10 card > COMMUNICATIONS
ok (Central Bank) - _ ese sằẰe NETWORK | Accounts adjusted / so Baal { J
EX, pss — (4
7 ee bank _— 9 £25 6
+ 3
Customer's bank -t25 Customers accou"l te aha: 8_ —_ days oo
= Terminal (n) : máy tính trạm Retailer (n) : người bán lễ Kp in order 7 : đúng quy định Transaction (n) : (sự) giao dịch
SS’ Processor (n) : bộ xứ lý máy tính "ldentlflcaton(n)ạ : : sự nhận biết
Central switch (n) : máy tính trung tâm Transmit (v) : chuyển, truyền
Magnelic strlp(n) : dải bảng từ tỉnh Authorisatlon(n) : sự cấp pháp
Authorise(v-) : cấp phép _
£ ; 24
Trang 24WWW.DAYKEMQUYNHON.UCOZ.COM WWW.FACEBOOK.COM/DAYKEM
Using the right verb
2 Complete the sentences using the correct verb from the box
authorise check _ collect confirm encode
guarantee report _ Swipe select transfer
“a) The retailer the card through a card reader ata terminal
—b) The information is before being sertt via the telephone system to“
ensure its security x
c) The Central Switch the right bank TS d) “After being paid by credit card, the retailer has to „ Payment from
the credit card company iy”
e) The different systems have to payment to the seller, Cc» f) The cardholder's bank's computer the information it receives
g) Ifeverything is acceptable the computer Switch —
h) The display on the terminal payment
i) A cardholder should the loss of a card to the xám immediately
j)} The manager of my bank has been
Adjectives and nouns
3 Match the adjectives onthe left with thenouns on the right
iy ne » Adjectives magnetic plastic interest-free automatic central Equivalent phrases v*
4 How are thế following ideas expressed in the text?
a) Mace wheteton pay for the goods, or check-out till (3 words) b> Pass thecustomer's card through the terminal reader (Í word)
¢) luffS of information which have to be nade sure of before permission
canbe | given to do something (2 wards)
d) Time when a card becomes no longer valid (2 teords) øƒ¬ Official permission (Í tru)
(TK, Expressed ina sceret language (1 word)
Swipe (n) : eự/ chấp nhận Interest-free : khơng phải trả lãi Encode (v) : mã hĩa Strip (n} : dải băng
& `'Ăuthorlae (v) : cấp phép 3 Magnetic (ad|) :riờtÍnN -
`7 Transfer (v) : chuyển cho Terminal reader (n) : máy đọc trạm Transfer (n) : sự chuyền (tiền) Collect (v) : thu hồi (ng) Securtty (n) ; ®Ự an tồn ˆ Centrat switch (n) : máy tính trung tâm Cardholdar (n) : chủ thả Check-out tll(n) : quấy tính tiền
25
Trang 25NOAM TAA TERRI TR ME | M Implied meaning
NH0) POEL 0 TPE NIE PEN R/S PEN RE NC HOE PE EA RIA RN Rn FS oy moot Eyroatliiers nn eae Syt
~
A
Discussion IV aS
7 `" Y SS
1 Make notes to complete the table
The Advantages of PlasticMoney = <— >
Advantages to: EFTPOS Cards
The customers The retailers The banks
2 Now makea similar table summafGptắc disad vantages
> `
3 Complete these notes on the fún tan pf plastic money
a) Obtaining ees from - machines when the is closed
ĐỀ Xe 2-23 Uag credit
CP «se «the telephone
| naaeussner BFTPOS:-
e G uaranteeing \ suy
@ Advanced discussion
a) Some: people argue that credit cards make it too easy for peopie to get into< debt which they can't afford Should a bank limit whom they issue
credit cards to?
bh) The cost of credit cards is added ta the price of goods This means that
2 cugtamers who pay cash subsidise those who do use credit cards for “interest-free credit [s this fair? [f not, what can be done abcut it?
Getting money from a cash dispenser ts risky Someone might see you
and rob you How can banks give protection to customers using their cash machines at night?
EFTPOS are more of a help to banks than ta customers Customers can casily pay by cheque or in cash, Why have EFTPOS?
ce) It can be very risky to rely on plastic money If you lose your cards you lose everything In the UK 5,000 cards are lost or stalen each day How can banks minimise the losses through stolen cards?
Plastic monay(n) : liền nhựa
EFTPOS ; hệ thống chuyển trả tiền tại nơi Credit card (n) : thé tín dụng
ban hang ‘ Falr (ad|.) : hợp tý ⁄ ;
Retailer (n) : người bán lẻ Subsidise : phụ cấp, phụ phí Get into (v) : mắc vào (nợ) Risky (adj) : nhiều rủi ro
Cost (n) ; phí Limit (n) : hạn mức
ˆ 26
Trang 26www EM WWW.FACEBOOK.COM/DAYKEM
4
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What happened? - < )
A
[— N_ Listening S
LY
Reporting lost cards KG”
~~
[8] 1 Listen to the dialogues on the tape and complete the information 4,
% —>
Dialogue 1 Dialogue 2 CS -
a
Type of card: Type of card: | KY
Card number: Card number: Cc» :
Name of cardholder: Name of cardholder”
Rey”
What happened? What happened?”
hy
AY
Dialogue 3 Dialogue 4
AL ¥
Type of card: 5 ‘Type of card:
Tr
Card number: _ \Y Card number:
Name of cardholder: “- y `7 Name of cardholder:
What happened?
~~ ¥
2 Makelup a similar dialogue of your own After writing the details, check
AM SQ 7 ae i A Y b vú „ #Œ + _: “ —— VW SS oe N¿ CY ew => ` ^c @NỲ SY Ä ` Rey 1 cu xa ` > SY Cardholder (n) : chủ thể ` \Ì Sy Cardnumber (n) : số thể Type of card (n) : loại thể
27
A that they are correct as reported by the customer
Trang 27SPIN NIAE PERRI RENE AME PIE Sp ta Boe tS — nme ta ween 3
wy Personal | A
| 3 Accounts ST e
This unit contains the English you need to understand and explain different methods of payment and personal account services available: t0 cústomers Unit Four is about how payments and automation work inthe banking system as a whole GE) «
| : A Discussion ( a " P« `¿ } |
How does your bank explain and sell geryices to customers?
“Yes we can extend your overdraft but first I'd like
a little more grovelling from you please”
Overdraft (n) : sự rút vượt quá số dư, sự thấu chỉ Grovelling (adj) : luồn cúi, biết điều
31
Trang 28WWW.DAYKEMQUYNHON.UCOZ.COM WWW.FACEBOOK.COM/DAYKEM [ B Reading I ở | A Payment services Y A ~~ Jf AS os
To attract more customers, and to provide for their various necds, the banks have developed kX ts
different methods of payment : SS
4 Yy
L Cheques and cheque clearing (Unit 1) 6 Credit transfers (Unit 3) Lv
2, Credit cards nd charge cards (plastic moncy) (Unit 2) 7, Banker's drafts (Unit 3) A `
3 EFTPOS (plastic money) (Unit 2) & Telegraphic transfer (Unit: 3) 4 Standing orders (Unit 3) 9 Instant cash transfers errr 5 Direet dcbits (Unit 3) (Numbers 7 and 8 are sometimes called remittances) y
Standing orders s_
To The Royal Bank Standing Ore Of Scotland plc ES «`
Please make the payments detalied below and debit my/ xỲ occount _Name of A/c to be debited Ẩ + A/c No
Reference No to be quoted (if any) RY Date
Name of payee AY Ale No
Address of Payee + S
- YY
Bank & Branch to which AZ Code No
Payment is to be made 4%
Y
Amount (In words) $ Date of payments ae
Date of first payment aed
Special Instructions (if ony) Yy
Wy
Payments are to continueuntlt _ (dote of last payment inclusive) i
A Wu }
Payments ore to confine’ you recelve further notice in writing
This instruction any previous order In favour of ihe Poyee named obove under
this reference NN ` ẤN YS ' Signoture NZ * Delete nécessary = ¬= Wy Š a AL 7 ¬ Wy EY = “A
RS) Standing order (n) =: Uy nhiém chi Charge card (n) ; thẻ thanh tốn ` : '
¬v Draft (n) : hối phiếu | Credit card (n) : thẻ tín dụng NN) Remittance (n) : sy chuyén tién Quote : trich dan
Payee (n) : người được thanh tốn Reference (n) : sự tham chiếu
32
Trang 29Dong gop PDF boi GI
Standing orders are useful for regular outgoings such as rent, electricity, gas
and telephone bills They are also used for large monthly items over long \Y
periods such as mortgage payments (= buying a house) or car purchager x7 The customer fills ina standing order mandate like the one on page/29/ giving his own and the payee's account details, along with the date of the first and last payments 4 ỳ
In the customer's statement of account, all the standing ordet paythents are marked ie and entered in the debit column
[| Vocabulary expansion SS) ( ¬ RN -~ ze Am YY 4 \y
1 Use different forms of th words in the box to complete the sentences below If necessary, use a dictionary te Spr:
| regulate enter attract provide | feritern remittance standing: |
fA X—
a) Ky
Verb; Larger deposits os higher interest rate
They were € other immediately Adjective: | His bank offers nứng) k«cc: rates of interest
The manager was.an woman - Naww: Pavarotti was §lar at the concert
The neh tie vice was an in added at the bank
+ >
b) -
Verh: hac a low wage it was impossible for him to his
Banks have to bad debts
Adjective:< RD) oe goVernment was appointed until elections could be
= ` keld
Nouns They took water and before they went camping in the
~ mountains
~~ The balance sheet had a for non-payment of trade debts
ae”
AN Verb: The central bank the commercial banks by issuing ALY directives
Y The Ministry of Finance price rises in the move : towards a free market
Adjective: Some kind of body is needed to control the banks Noaun: Thế vá don't allow export of large amounts of capital, , d)
Verb: They the market with a new pocket computer Thieves - the house-and-stole-a painting
Noun 1: The standing order is shown as a debit in the customer's
statement of account
Noun 2: There is a guard at the
They explained the conditions of to the European Community, during the meeting
After 1989 oa abolished
to the bank
interest rate (n) : lãi suất 7 :
Abolish (v) ; bãi bỏ, hủy bỏ Mortgage (n) ; nợ thế chấp
Commercial bank (n): ngan hang thudng mại: ; Mandate (n) : tờ ủy nhiệm
SO =Standing Order : ủy nhiệm chỉ Debt (n.) : khoản nợ Outgolng (n) : khoản chỉ tiêu ` Remittance : sự chuyển tiền
33
Trang 30WWW.DAYKEMQUYNHON.UCOZ.COM WWW.FACEBOOK.COM/DAYKEM
Examples for study:
Oo - : " A
Verb: We have , £340 to your suppliers
Noun: Notice the difference between
1 remitter = the sender of a remittance - ^S ¬ 2 remittance = money sent by postorthroughabank , a ,
We look forward to receiving your remittance.< +7
3 remission = forgiveness AY
He was imprisoned for five years but gained three
years’ remission for good behaviour _ '`` £
4 remission = repayment of tax EX
f) ⁄
Verb; They the contents of the house
Noun: The first ‘on the agenda for the meeting Non the
Chairman's report XS} ⁄
He telephoned the bank to ask them ‘about Fy on his
account B`= a
8) A N 7
Verb: Prices , at the same lev 1 for several years She at the vn the bank
Adjective: We havea invitation to visit them
There is a neg sate ‘dispute between the two neighbours
OLY
Noun: The leaflets afe on \ the display in the bank Synonyms
2 Match the words on the left with those of the same meaning on the right:
Y 00180068 No \ vy purchige) fill in“ ` -7 mandate’ 4 V A Y ⁄ order expenses buy : complete
A Wy Without looking back at Reading I, complete the passage *
` supplying one word for each numbered space:
To (1) more customers, and provide for their (2) needs, the banks
have developed different (3) of payment
Standing orders are useful for (4) outgoings like rent, electricity, gas
and telephone bills (5) dre also used for large monthly (6) over long periods, such as mortgage PP csicasus (= buying a house) or car (8) _>
& eS > emisin (n) : sự miễn giảm Standing order(n) : ủy nhiệm chỉ
oy ’ emitter (n) : người chuyển tiền Invitation (n) : giấy mời -
“Sy Remittance (n) : số tiển chuyển Leaflet (n) ˆ ¿tờ bướm (quang cáo)
Mortgage (n) : nợ thế chấp : tở ủy nhiệm
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Mandate (n) 34
Trang 31DRE SR RRR Err cv 2V 3ec AM XE 27y 964 Peter gle , ề c2 919 123 VÀ? 492 “hang m9 99 ae NT an Go ad sa sống va co Gv STENT GTS TP MITER LTA ro ni
The customer completes a standing order (9) like the one on page 29 giving details of his (10) and the payee's account, along (11) the <
date of the first and (12) ¿ payments ˆ aS =
In the customer's statement of (13) all the besiending order Paymaster CTE) ~ SO and entered in the debit (15)
4 ` ỳ | D_ Readingl ˆ ¡ £Œxvw_ - | Đ An Sy Direct debits Đ La
Another way of making regular payments is to authorise the creditor to draw the money by direct debit- a system which was introduced in the UK a few years ago The account holder completes a direct: debit’ instruction like the one on the next page and sends it to the payee! {in this case British Telecom) 5S The advantages of direct debit are mainly to the originator (he
„ ctedilor/payee) rather than to the account holder (the debtor /payer)
Firstly, it is cheaper to operate So large organisations such as a telephone
company which have to draw regular payments from thousands of people,
, can reduce their billing costs considerably From their point of view, if they
10, can direct debit all their customersthrough the banking system each month it becomes much cheaper administratively than receiving payments by , standing order Itis certainly Tauch cheaper than sending each customer a
bill each month and waiting/ta teceive payment
Another advantage is thatthe creditor can vary the date of the direct debit, 15 which can help its‘tash flow position, and also the amount to be debited
where this is subject to Variation
if the payer distgrees with a direct debit, he can simply instruct his bank to stop the paymenty Then he has to settle the disagreement with the creditor
Companies which operate direct debit billing, such as British Telecorn, say
he reduction in costs adds to their efficiency and they can pass on this increased) efficiency to their customers in the form of lower charges But there is) some doubt about this because it is widely felt that it is the
shareholders of the company who benefit, not the consumers
20
_ \fhere have also been complaints about direct debiting of National Insurance
“25> tsocial insurance tax); if an excess amount has been debited the payer cannot
\S/ get the money back until after the end of the year
[—— E _ Vocabulary |
=
“Sy 1 How are the following ideas expressed in the passage?
a) Anorder telling an organisation to draw money from your bank account (three words)
bì ‘The organisation drawing money by direct debit (one word) c) The expense of obtaining payments from customers (ftvo words) d) Give permission (one word)
ỳ e) The amount of money held at any one time (three words) SY f) Person or organisation to whom money is owed: (one word)
+ g) ° More output for less effort or cost (one word)
Orglnator (n) : người khởi đầu Consumer (n) : người tiêu thụ
Payer (n) : người thanh tốn liền Authorise (v) : cho phép, ủy quyền Payee (n) ; người được thanh tốn ` Regularpaymen : hanh toăn thường kỳ Billing cost : chÍ phí hĩa đơn Ingurance(n) : bảo hiểm
Doubt (n) : sự nghị ngờ : Excesa amount(n) : tiến thừa
Creditor (n} : người ghi cĩ (bán hàng) Elflciency (n) : hiệu quả Direct debit(n) ˆ : ghỉ nợ trực tiếp z_ §hareholder (n) : cổ đơng
Cash flow (n): lưu lượng tiền, chu chuyển tiển Account holdar(n) : chủ tài khoản
Trang 32WWW.DAYKEMQUYNHON.UCOZ.COM WWW.FACEBOOK.COM/DAYKEM BT (British Telecommunications Plc.)
Name Mark ‘X" in one of the following boxes and read the instructions carefully Address WE Budget Account ~ 12 Times a year
Complete Section A (parts | to 3) AND Section B (parts 1 to 5) where not =>
Postcode _ already completed Retain the yellow copy for your records and retum the te j i BT Ref Number and pink copies to BT (address shown below) A,
BB Quarterly Direct Debit - 4 Times a year : Complete Section B (parts 1 » ế"
ONLY, Please return all three copies to BT {address shown below) Đ I Change of Bank ~ Existing direct debit customers only Complete Section B (Parts 1 to 5) ONLY Please retum a three
copies to BT (address shown below) Your daytime telephone no for BT use only BS
Budget Account Application Section A Ty
CREDIT ARGEEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974, SEE REVERSE FOR GENERAL CONDITIONS AND YOUR RIGHTS WHICH FORM PART OF THIS AGREEMENT
Es Monthly Payment Amount
12 times a year We aay of the Month you want
your payment direct debited (1* to 28 th only)
€ ` \
BT may increase your monthly Budget Account payment if you exceed
your credit limit # you achieve a credit balance excteding your credit limit the balance will be refunded to you and-BY may vary your
monthly payment BT may vary your credit limit from time to time, You
Will redeve at lease 14 days notices of any change in your monthly Payments or credit limited requied
There is no charge lor vi under the Budget Account
argreement (0% APR) = 4
~~ we
Lay
_ “Month of your first Payment 2.Thisisa Credit Argreement regulated by the Consumer Credit Act
f Your Credit Hit 1974, Sign it only # you want to be legally bound by its terms
(3.5 times your Monthly Payment) Signature of customer(s)
For BT use only Date of signature(s)
Budget Account acceptance, signed on behalf of steréd customers only
British Telecomunications Pi
Signed Date
Batish Telecommunications pic, Registered Office 81 Na Steet LONDON ECIA 7A) Registered in England no 1800000
VAT Rigisteration number 245 7193 48
‘Direct Debit Instrucion Section B FOR BANK / BUILDING SOCIETY USE ONLY
¥ NO ACKNOWLEDGEMENT REQUIRED
1, To the Manager
© I/We instruction you to pay direct debits from my/our account at Address Sf the request of BT
ALY * The amounts are variable 8nd may be debtted on various dates 2 Bank/Building Society Sort Code » {/ We understand that 8T may change the amount and dates
sages Posie J Gy only after giving me/us prior notice
3 Your Bank/Building Sản vo Number « lƒ We will inform the Bank/Building society in writing # I/We wish —
(Last box for Girobank custom only) to cancel this instruction
« Ie understand that if any direct debit is paid which breaks the terms of this instruction, the bank will make a full refund
4, Name(s) of ica Habe
BT Ref Number
Banks may reuseto accept direct debits from some types `
of accounts, \y
+ Customer, ‘signature(s) 87 personal Communications
Date PPL 12A1t2, Delta Pomt, 35 Wellesley Road, Croydon CRI 2¥Z
Pha on 's Identification Number 850611 (Address Above)
: báo tin On behalf : nhân danh
: ghl nợ trực tiếp Achieve (v) : đạt được
Budget account application: giấy trả tiền làm Reverse (n) : ngược lạt
Ry nhiéu ky Credit limit : hạn mức tín dụng
> Retain : giữ lại Break (v) : phạm, vi phạm
Exceed (v) : vượt trội VAT Rag No : Mã số thuế VAT
38
Trang 33ea SIND! PRD IEEE RIERA ET ED ree N SETA! + errr ““e<seecenssee3 “` 7Ơ `1 es
h) People or institutions who have invested money ina company (one A
word) 5 ~—
Dong gop PDF boi GI
2
A person or organisation which remains a customer over a long period CC» ”
(one word) `2
j The UKsocial security fund (two words) aS
_k) Anoverpayment (two words) =>
4 àỳ
2 Use theverbs in the box (which may be found on the direct debit form
or in Reading fl) to complete the sentences 4S \
quote settle trace ~ make out instruct_ mm
authorise operate draw originate weak vary a) The other countries hoped that the dmeenes icon the
two sides in the war could be ¿„ 1n ‘Geneva
b) His statement showed that he had , £150 from his account in July Ad)
c) For standing orders and direct debits thecustomer has to forms provided by the bank
d) Direct debiting is a system by ail payee (or creditor)
to CCH payment rm w:
e) But first the accaunt holder hasto.<., A wine the bank to t6 i24 the system <./ ey
f) The amount to be paid and t the date 0Ý payment can be slightÌy by the payee <“ — ¬
g) When writing to their: bank, customers should the account
number or the reference number of the direct debit
DY ƯWE se ssoeec „é:›ÿOU to pay direct debits from my/our account at
the request of the gas company
i) The bank Mepspfuse LO recasincanaceresnars direct debits from some types of account Sy
j) — The bet was unable to _ an earlier payment
3 None Sealrite the sentences below with eleven of the verbs from the bos (The words in italics carry the meaning of the replacement verbs.)
v4
ay= When you write to us, please lef us know your account number
` Prague airport.shop.will only take US dollars in payment
48) YY’ Tomatoes came from America,
„ độ VA ý e) A ⁄ g) — h) i) ) k) (=z) 4
The building will be finished in 1994
I took some money out of my account last week
The forefathers of many American presidents can be found in Ireland
(Use hack io.)
Please write me a cheque for £5,000
The manager has been tald by head office to expand the business in Barakonla
Barakonia Airlines rtt< a flight to Bratislava, every Monday
The purchase must be allowed by the manager The debt must be prid before the end of the year
Listen ta the dialogues on the tape, paying particular attention to
pronunciation and stress Repeat after the tape, then practise with a
partner,
Quote (v) ; trích dẫn _ Orlginate (v) : khởi đầu ˆ
Setile (v) : thanh tốn Statement (n) : sao kê (tài khoắn)
Maké out (v) : ký phát, viết (Séc) Direct deblt : ghi nợ trực tiếp
Authorise (v) : cho phép, cấp phép Trace (v) : truy tim
37
Trang 34WWW.DAYKEMQUYNHON.UCOZ.COM WWW.FACEBOOK.COM/DAYKEM [ F _ Discussion
1 Are the following statements TRUE or FALSE according to the text?
a) Thedirect debit method is used to pay bills of all kinds &
b) The main advantage of direct debit is that it is more economical to “= ˆ
operate ` ”
c) The suppliers can vary the amount to be paid as much as they want
dì The suppliers can vary the dateineach‘month whenthe 4 _ )
payment is carried out es
e) Direct debit payments are carried out wailed ically my, the banks each month £» x :
f) Each payment has to be authorised by the account halder,”
; g) The consumer cannot stop a direct debit payment,
h) The consumer always gets the advantage of the lower operating costs of : direct debiting
i) Direct debiting enables large companies to be more efficient
j) The lower cost of direct debit billing is passed on to the consumer in the
form of lower prices ®
L G Reading III “4Š — | AY ` AW? AQ ` oy A Y f International transfers
There are four types of international transfer which are available to personal account customers ~ telegraphic transfers, banker's drafts, instant cash transfers and mail transfers, , Instant cash transfers are only possible when the sending bank has computef links with the receiving bank The mail transfer is almost as quick because banks now use SWIFT services (see Unit 4.) Where
possible, they put adarge number of smaller remittances on to one SWIFT
transmission
5
In the past, telegrap raphic transfers were the fastest method of sending money
from one country | to another - and the most expensive If the sending and
10 receiving banks are correspondent banks and have accounts with each other
itis.a simple matter for them to adjust these accounts Otherwise another
bank which i is a correspondent has to be used, which can act as an
intermediary between the remitting and receiving banks
Acheaper but slower way of sending money is for the customer to buy a m4 banker's draft and post it to the person or bank at the other end A banker's
‘draft is simply a cheque issued by a bank drawn on itself or on a
ẤN _Denrrespondent bank in another country It is better than a personal cheque
’ because it has the backing of the i issuing bank Also it can be made out to pay A a named account at a specific bank to give it absolute security
20 The Royal Bank of Scotland and the Bank of Santander have led the way in linking themselves to each other by computer This enables them to offer instant cash transfers between the UK and Spain
SWIFT: Tổ chức thơng tin tài chính tồn cầu
Intermadiary (n) : người làm trung gian
: ghi nợ trực tiếp : tiến hành
⁄ Banker`s draft(n) : hối phiếu ngân hàng Remit (v) : gửi, chuyển Z1 Trensfer (n) : sự chuyển tiền Remittance (n) ; số tlền gửi
SY Make out (v) : viết Correspoqdent(n) : ngân hàng cĩ quan hệ đại lý
Draw (v) : rút Telegraphic transfer (n.): chuyển tiền bằng điện tin
38
, ao, ee Ẩ_ m rm.:
Trang 35., ME W/297/2(2/ RI ORME Ne os
-H Useofterms
1 Use suitable expressions from the box to complete the text
banker's drafts telegraphic transfers
issued instant cash transfer A
remitting ' correspondent ray
backing transfer intermediaries International (1)
Of money can be carried out by) nemesis, banks which
have accounts with each other, A bank sending a 43) sarin debits the account which it keeps of the receiving bank, The receiving, bank credits the account it keeps of the (4)
’ + bank which is not a (5) used as (6)
(7)
bank, If the customer wants to send the transfer to a
— of the nởn§oebf other banks have to be
»⁄
4enessee are as good as money becẳsé they have the (8) of a bank,
They can be exchanged by banks which have accounts with each other and
eventually presented to the a originally (9) the draft
A
The method of "34% , moh internationally which involves the least
Dong gdp PDF boi GI
work is the (10) - viết 6
by computer, i
nly possible between banks which are linked
2 The nh?» ỳn the left have been taken from the reading text Match each ot them with the expressions of equivalent meaning on the right
joining up
fromoné country to another pioneered
sending complete safety act as an intermediary between mail
«post security
the backing Internationaliy
c3) absolute security represent
` Sy Ted the way in quickest method js linking themselves to each other remitting
A yy `»⁄
Remit (v) : chuyển gửi Transfer (n) : sy chuyén tién
Banker's dratt(n) =< hdi phi6unganhang _ Intermedlary (n): người (ngân hàng) làm trụng gian Instant cash tranter : chuyén tién ngaytucthdt Correspondent(n) : ngân hàng cĩ quan hệ đại lý
Absolute security (n) : an tồn tuyệt đối Telegraphlc transfer (n): chuyển tiền bằng đẹp tín
Credit (v) : ghl cĩ
39
Trang 36WWW.DAYKEMQUYNHON.UCOZ.COM
WWW.FACEBOOK.COM/DAYKEM
{ I Reading IV =- 7 _| _
Instant international transfers
~~ EURO Royal Bank LS
vẻ ¬ sankine COtlandplo t SN ` 4 whe 2 _ SERVICES s
“re
: BARN THE HIGHEST INTEREST ON YOUR “; MONEY UNTIL THE eg NEED IT
° \ ; rs ri LAN › ` 4 LỆ đo.) i : 4p Ũ anf OM
‘Banco ¥¥ The Royal Bank
Santander of Scotland
EE,
instant ; ngay tức thời Transter (n) : 8ự chuyển tiền
Interest (n) 1a
‘ 40
Trang 37CORI v2 770V TA pre Ur Oe pe ER tin ke IE cremate Onn SN AREER Benet mop re Semen cm oe TT nơ, thương SƯ rE treme meth arm pe 4e
<> wos EURO BANKING SERVICES
# INSTANT CASH TRANSFER FROM COUNTRY TO COUNTRY —
Instant Cash Transfer is a unique service which enables you to transfers funds, across international boundaries from one account to another faster, more reliably and cheaper than ever
before A
The secret is IBOS (Inter-Bank On-line System) a direct computer link joining: “1200 Banco
Santander branches with 850 Royal Bank branches for the benefit of both UK N nationals
‘# TRANSFER YOUR MONEY WHERE YOU WANT IT; WHEN yOu IT
Transfers can be made by computer link instantly, enabling you to hold: your funds at the best rate anywhere in the UK.Channel Islands, Isle of Man or Spain until the moment you need them
Not only i is the service faster and more reliable then other methods, ‘itis also significantly less
4 expensive You pay a single charge only as and ‘when you use tC" SY
# MAKING THE BEST USE OF YOUR MONEY CĨULN'T BE SIMPLER
When using the service you will need to show your passport and cash card This will help branch
staff to process your transfer as quickly as possible aS Nà
& INSTANT TRANSFERS AY
You can transfer one-off payments between a Réyal Bank of Scotland accouni and a Banco Santander account as easily as between branches.of the same domestic bank Transfer can be | requested either from Royal Bank branches or-through Banco Santander
Amounts may be requested in either sterling dt/pesetas and will be charged at 0.2 % (minimum; £5; maximum: £10) Payments will be automatically converted into local currency
REGULAR PAYMENTS <<
If you need to make regular payments between the UK and Spain , you can set up standing order payments between Royal Bafk Of Scotiand accounts and Banco Santander accounts - a straightforward and efficient wa ` pay utility and other regular outgoings Charge : £2.50 per payment, )
@ OVER-THE-COUNTER CASH WITHDRAWALS
_ As an alternative to using andutomated cash machine, you can withdraw cash over the counter,
up to your daily cash car Himit | in the local currency Charge £2.50 per withdrawal ;
* INSTANT CASH a RANGIER LIMITS
From Royal Bank of Scotland : Through Banco Santander Money Transfers : £1 million , £3000
Standing Orders : £ 10,000 -
lău withdrawals : - Up to card limit
AAMT ranecctions are subject to Spanish exchange control regulations
“\For further information contact any branch of The Roval Bank of Scotland or Banco
es ahr
THE ROYAL BANK SCOTLAND ple
“S—~ l2
AS) ~ Withdrawal (n) : khoản tiền rút ra Straightforward (ad) : đơn giản, khơng rắc rối
AY Boundary (n) : biên giới Reliably (a) : chắc chắn, đáng tin cậy
l IBOS: hệ thống trực tuyến giữa các ngân hàng Cash carc (n) : thể rút tiền mặt Benefit (n) : lợi, lợi ích Transfer (n) : sự chuyến tiền Zw island {n) : hịn đảo Domestic : trong nước, nội trợ
Ny iste (n) : đảo nhỗ Pesetas (n) : đồng tiền Tay Ban Nha
Significantly (adv): mot cach dang ké* Outgoing (n) : tiền chỉ tiêu Instant - ngay tức thì
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Trang 38WWW.DAYKEMQUYNHON.UCOZ.COM WWW.FACEBOOK.COM/DAYKEM
| J Discussion Ì atk,
: Pay
1 Answer the questions Ä & S ,
ok
a) How many reasons can you think of for needing to transfer a large sum RS <Y
like £3,000 from one country to another? =>
b) What is IBOS7 4 Y
c) What is the highest and lowest charge for transferring money in this ¬y
way? A mS )
`
d) What is the charge for standing order transfers?
e) What is the relationship between Royal Bank of Scotland and the Banco
Santander? A ` A N a | K Vocabulary _ LÊ | |
1 Hiow are the following ideas sxpreseed | in the eae?
yy
a) Theonly one in the world (one sid Section "isang 1)
b) na way that you can be sure about (Ia 7 words, Section 1, paragraph 1)
c) Keep your money at the Ngpoii ier vailable (seven words,
paragraph 2)
d) Noticeably cheaper (three words, sét 2 paragraph 2)
e) Bank within, and belonging to, the eountry it isin (two words, Section 3, paragraph 2)
f) Electricity, telephone, water ices (one word, Section 5 (Regular
Payments)) ~ vv
gz) Inthe money of the country ýou are in (four words, Section 3, paragraph 5)
& +
ỳ
2 Supply the missing words to complete the following sentences (All the
words are to be ound in the leaflet)
a) -Instant Danser can be made any time
b) Youcan transfer sờ t2 across international boundaries
c) You may your funds in this account (= keep),
d) Your cany _ money from one country to another A Use:the AuoDOgM paying the rate
0 ^Y6uf bank card will enable staff to your transfer
=ˆì »Payments are automatically into local currency vb) © You may overdraw your account to an agreed A i)” All transactions are to Barakonian law
Sf POR xiertessi information, contact Manara Lombard Bank in Zamina
Ay —
Đ — ea 3 Listen to the dialogues on tape, paying particular attention to a pronunciation and stress Repeat, then practise with a partner
AY —_
‘\ IBOS: hé thống trực tuyén giữa các ngân hàng Leaflet (n) :tở bướm _
KR » ‘Standing Order (n)_ ; ủy nhiệm chỉ Boundary (n) :biên giới AS ` Local currency(n) : nội lệ i Overdraw (v) : rút quá số đư, thấu chị
WY Transaction (n) : giao dich Transfer (n) : sy chuyén tién
Bank card (n) ; thê ngân hàng Interest (n) : lãi (liền gửi)
tnstant ` : ngay tức thời
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Trang 39
|—_ L _ Reading V TC
"The language of seiling
1 2 a) b) c) J a) b) c) d) e) 0 8) h) i) ) k) 1) ồ m) a Ps Đ v “ 7 / aS K » v
Read these questions now and answer them after reading the Be
below The headlines come from bank leaflets for customers (including
the Royal Bank of Scotland - Banco Santander leaflet) What do you think is their purpose?
to tell people about bank regulations? A) to describe different kinds of services? As ES,
to persuade people to become customers? “`7
How do the headlines differ grammatically from normal sentences? EARN THE HIGHEST INTEREST ON YOUR MONEY UNTIL THE MOMENT YOU NEED IT Ot
INSTANT CASH TRANSFER FROM COUNTRY TO COUNTRY TRANSFER YOUR MONEY WHERE YOU WANT IT WHEN
WANT IT ẤN
MAKING THE BEST USEOF YOUR MONEY COULDN'T BE SIMPLER REGULAR PAYMENTS»
OVER THE COU RCASH WITHDRAWALS
HIGHER INTEREST RATES FOR THE LONGER TERM INVESTOR INSTANT ACGESS `
TOP RATES
HOW TO OPEN MANARA LOMBARD INTEREST PAYING
CURRENT ACCOUNT
FREE BANKING
INTERESTON CREDIT BALANCES
TRADITIONAL CURRENT ACCOUNT SERVICES
WHY MANARA LOMBARD'S RATES ARESOGENEROUS - UPTO THE MINUTE TELEPHONE LINE BANKING 24 HOURS A “DAY:
~HELP AND ADVICE ON STARTING AND RUNNING YOUR OWN BUSINESS
MORE BRANCHES AND CASH MACHINES THAN ANY OTHER ‘HIGH STREET BANK
SATURDAY OPENING AT SELECTED BRANCHES FOR BANKING WHEN IT SUITS YOU
Note the use of the imperative form in the examples below, where the subject of the verb is not mentioned
EARN THE HIGHEST INTEREST.ON YOUR MONEY UNTIL THE MOMENT YOU NEED IT
TRANSFER YOUR MONEY WHERE YOU WANT IT WHEN YOU WANT IT
This type of sentence is common in advertising In speech it would be more
normal to make asuggestion using crm:
4 `” _ Acces8(V) : truy cập (thơng tin) interest rate : lãI suất "5 Generous (ad|) : hào phĩng Instant : ngay tức thì
Credlt balance : số đư cĩ Withdrawal (n)} : tiền rút ra
Simple , : đơn giản _ Top rate ; lã! suất cao nhất
SV counter (vp - : quầy (chi tiền) Free banking : khơng tính phí dịch vụ ngân
Headline (n) : để mục (báo, quảng cáo) hàng
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Trang 40WWWLDAYKEMQUYNHON.UCOZ.COM WWW.FACEBOOK.COM/DAYKEM —— : A Examples: S =>
You can earn higher interest with a Premium Deposit Account CY
` You can transfer your money where and when you want it AS
ACY
\ nts ý s2 X‡
5 ‘The ather headlines (except for d) have no main verb This verbles' >.” form is also very common in newspaper headlines
Examples:
Price rises this winter
Barakonia Prime Minister in Washington for talks
6 — in pairs or small groups, discuss the differences you hayé đa - btween the language of advertising and everyday speech 'ïđ your own
country ( SS L M_ Vocabulary Ae” J KT
1 Complete the following sentences, using/apprỏpriate phrases from the
box, Ÿ <=
over the counter generous forme ‘instant access large income
Saturday opening guaranteed retuin top rates any time
long-term bank charges “\ AY Te ~S
a) This investment will preide’a site
bị Wecffer on deposit accounts
cà BuLthe are paid far three year deposits | d) We new have < Coto those who.cannot come to the bank during the
week `
e) But youcan withdraw cash from the ATM
PP ú depd&its a Attract goud interest
`
Bì It you kepp.your account in credit there are nc h) Normal servic es are still available
) Ax= ate available if you need a business loan
i) As Managing Director, he hada
A, »~
Má ch the words or ohranes on the left with those of opposite meaning +4 “onthe right A
` Nz
ier banking saving ~ & “deposits , -_ đrawer
SS debit withdrawals
A Tay se N payee - credit
spending bank charges
Cj : quầy Oaeposll (n) :1lền gửi (ngân hàng)
ay : JBI suat cao nhat Transfer (n) : chuyển tiền :
S `“ Generous term : diéu kién hao phéng In credit : đang dư cĩ (tài khoắn) SY Withdrawal (n) : tiền rút ra Free banklng : khơng tính phí ngân hàng
Withdraw (v) : rủi tiền Bank charge :phí ngân hàng ATM : : máy rút tiền tự dộng Long term dal han
Interest (n) :lãI °
44