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UNIT8,Iwanttodepositsomemoney,1,Newwords,currency:thesystemofmoneythatacountryusesexchangerate;汇率,兑换率theexchangeratebetweenUSDandRMBdeposit:toputmoneyintoabankaccountwithdraw:totakemoneyoutofabankaccountID:identify;identificationannual:relatingtoaperiodofoneyearanannualincome/budget,2,monthly:paid,validorcalculatedforonemonthquarterly:producedorhappeningeverythreemonthsbalance:theamountthatisleftaftertakingnumbersormoneyawayfromatotalaccountbalance账户余额charge:(noun)(forsth)theamountofmoneythatsbasksforgoodsandservicesfreeofcharge免费(verb):(sb/sth)forsth|(sb)sth(forsth)toaskanamountofmoneyforgoodsoraservice,3,这项服务我们不收钱。Wewontchargeyouforthisservice.我们免费送货(delivery).Ourdeliveryisfreeofcharge./Wewontchargefordelivery.vary:(withsth)|(fromsthtosth)|(betweenAandB)tochangeorbedifferentaccordingtothesituationvaryfromtimetotimevarywiththeseason,4,receipt:(forsth)(salesslip)apieceofpaperthatshowsthatgoodsorserviceshavebeenpaidfor我给她写了一张收钱的收条Iwroteherareceiptforthemoney.请给我开个收据好吗?CanIhaveareceipt,pleasebill:apieceofpaperthatshowshowmuchyouowesbforgoodsorservicesthetelephone/electricity/gasbill,5,apieceofpapermoneyNorthAmericanEnglishthreeten-dollarbillsBritishEnglishafive-poundnotepassbook:银行存折clerk:apersonwhosejobistokeeptherecordsoraccountsinanoffice,shop/storeetc.client:apersonwhousestheservicesoradviceofaprofessionalpersonororganizationcustomer:apersonoranorganizationthatbuyssthfromashop/storeorbusinessapplication:aformal(oftenwritten)requestforsth,suchasajob,permissiontodosthoraplaceatacollegeoruniversity,6,phrases,checkingaccount通用支票账户savingsaccount/currentaccount/currentdeposit/demanddeposit活期存款账户timedeposit/depositaccount/dateddepositfixeddeposit/termdeposit定期存款账户certificateofdepositC/D定期存单depositmoney/makeadeposit存钱withdrawmoney/makeawithdrawal取钱atwelve-monthterm十二个月期限,7,accountbalance账户余额interestrate/rateofinterest利率debitcard借记卡creditcard信用卡(overdraw,overdraft)ATM:AutomatedTellerMachineoutofbreath上气不接下气Wewereoutofbreathaftermerelyfive-minuterunning.Hesaidoutofbreaththathehadtoleaveatonce.shortofbreath呼吸困难,喘不过气,气急Shefeltshortofbreathbecauseofheartdisease.,8,expressions,OpeninganaccountIdliketo/wanttoopenanaccount.Whichtypeofaccountdoyouwant(toopen/setup)DoyouhaveanyformofID(withyou)?IhaveanIDcard/apassport/adriverslicense.Isthatgoodenough/Ok?Pleasefillin(out)thisapplication.,9,AskingaboutfeesHowmuchdoyouchargeforopeninganaccount/eachtransaction?Thereisnoservicechargeforopeningaccount.OpeninganaccountisfreeofchargeWewontchargeyouforopeninganaccount.Wewillchargeyou$3monthly./Itcostsyou$3everymonth.,10,MakingadepositHowmuchdoyouwanttodeposit?Howmuchdoyouwanttodepositwithus?Howmuchdoyouwishtopay/deposit/keepinyouraccount?IwanttodepositRMB10,000(inmyaccount).Idliketopay10,000yuanintomytimedeposit.Whattermdoyouwant?Idlike/aminterestedinatwo-yearterm.,11,AskingaboutinterestrateWhatistheannual/monthlyinterestrate?Whatistherateofacurrentdeposit?Whatisthetermdepositrateforayear?Howabouttheinterestrate?Theinterestratevariesfromtimetotime.Theinterestratevariesaccordingtothegovernmentalpolicy.Atpresentitis1.5%foroneyear,and2.1%fortwo-year.Theinterestratevarieswiththetermofdeposit.,12,WithdrawmoneyfromyouraccountIwanttowithdraw/drawsomemoneyfrommycurrentaccount.IhaveatimedeposithereandIdliketoget/takethemoney.Okay,pleasefillinthisapplication/form,givingyourname,thesumofmoneyyouaretodepositaswellasyourphonenumber.YoucanwithdrawyourmoneyeitheroverthecounterorviatheATM.,13,WithdrawinginadvanceIdliketomakeawithdrawalfrommycertificateofdeposit.WillIlosesomemoney/interestifIdecidetowithdrawonitnow?Yes,youwill.Youhavea2-yearC/Dwithus.Imsorrytotellyouthatwouldmeanlosing6monthsofinterestasapenaltyforwithdrawingbeforematurity.Thebankchargesyou5monthsofinterestasapenaltyifyouwithdrawonitnow.,14,deadline:apointintimebywhichsth.mustbedoneThedeadlineforapplicationisApril30th.“sellby”date最后可售卖的日期expiry/expiringdate过期时间Themilkhasexpiredbymorethan3months.(productiondate生产日期)pre-decideddate到期日maturity到期日,成熟期,15,ChangingsomemoneyIdliketochangesomemoney./Iwanttodoacurrencyexchange.WhatstheexchangerateofRMBtoUSdollarstoday/betweenUSdollarsandRMBtoday?Its6.05yuanforonedollar.WouldyouliketochangesomeUSdollarsWell,Iwanttochange$500.Yes,howwouldyoulikeyourmoney?/Whatdenominationswouldyoulike?Pleasegivemethree100-dollarbillsandfour50-dollarbills./Pleasegiveme60dollarsinfives.,16,dialogue,开户银行职员:我能为你做什么吗?顾客:我想要开个户头。银行职员:你想要开什么类型的户头?顾客:我想要开一个活期存款账户。银行职员:好的,你有证件吗,比如说身份证或者护照?顾客:驾驶证怎么样,可以吗?,17,银行职员:是的,可以的。请填写这张表格。我们会给你一张借记卡和一本存折。这些都是免费的。你可以在柜台取钱,也可以在ATM机取钱。顾客:好的,我填好表格就回来。(过了一会儿)顾客:这是我的驾照和填好的表格银行职员:好的,请稍等。现在你需要交纳20美元初始存款。顾客:这是20美元,给你银行职员:请在这里签名。顾客:好的。银行职员:这是你的卡和存折。还需要办理其他业务吗?顾客:不需要了,谢谢。银行职员:不客气,18,diaologue,OpeninganaccountClerk:WhatcanIdoforyou?Client:Idliketoopenanaccount,please.Clerk:Whatkindofaccountdoyouwant?Client:Iwanttoopenacurrentaccount.Clerk:Ok,doyouhaveanyformofIDwithyou,suchasaIDcardorapassport?Client:Whataboutadriverslicense,isthatgoodenough?,19,Clerk:Oh,yes.Pleasefillinthisapplication.Wellgiveyouadebitcardandapassbook.Thereisnochargesonthem,youcanwithdrawmoneyeitherviatheATMoroverthecounter.Client:Allright,Illfilloutthisformandcomerightback.(Afterawhile)Client:Hereismydriverslicenseandthecompletedform.Clerk:Ok,pleasewaitaminute.Nowyouneedtomakeaninitialdepositof$20,20,Client:Thisis$20,hereyouare.Clerk:Pleasesignyournamehere.Client:OkClerk:Hereisyourcardandpassbook.IsthereanythingelseIcandoforyou?Client:No,thanks.Clerk:Yourewelcome,21,存款,银行职员:我能帮助你吗?顾客:我想要存钱。银行职员:你想要存多少,定期还是活期。顾客:我想要存100,000元定期。现在的定期利率是多少?银行职员:现在存一年的利率的1.5%,两年的是2.1%,你想要存多久呢?顾客:我存两年吧。银行职员:好的,请填一下这张存款单,填上姓名、联系方式、存款金额、存期,并在最后签名。顾客:好的。,22,(过了一会儿)顾客:这是填好的单子和钱。银行职员:请给我你的身份证顾客:给你。银行职员:都办好了。这是存单和回执。还要办其他业务吗。顾客:没有了,谢谢银行职员:不客气,23,deposit,Clerk:HowcanIhelpyou?Client:Iwanttomakeadeposit.Clerk:howmuchdoyouwanttodeposit?Client:Iwannadeposit100,000yuan.Whatistheinterestrateoftimedeposit?Clerk:its1.5%forone-year,and2.1%fortwo-yearterm.Sowhattermareyouinterestedin?Client:Iaminterestedinatwo-yearterm.,24,Clerk:Ok,pleasefillinthisdepositingform,givingyourname,phonenumber,thesumofmoneyyouwanttodepositandthetermofdepos
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