Definitions. A: Kline & Weller. Good morning

Conversation 3

Conversation 2

Conversation 1

A: Kline & Weller. Good morning.

B: Hello. Can I speak to Julian Weller?

A: Speaking.

B: This is Mark Handy of Barbes Associates.

A: Ah, hello. What can I do for you?

B: We sent you an invoice on the 30th of November.

A: Yes. Haven't we paid for it?

B: No, and it's two weeks overdue now.

A: Oh, I'm very sorry. I'll send you a cheque this afternoon.

B: Thank you.

A: Now, what can I do for you?

B: Well, some of our customers are slow payers.

A: So they owe money and...

B:... and we need the cash. Yes.

A: Well, the first thing I need to know is if you have any debts.

B: No, not really. We do have a small overdraft at the moment.

A: That's a very expensive way to borrow.

B: Really?

A: Yes. You usually pay a higher rate of interest on an overdraft than on a loan.

B: Perhaps I should repay it...

A: Good morning.

B: Good morning Mr. Sanchez. What can I do for you?

A: I'd like to withdraw $2,500 from this account and change it for Euros.

B: Certainly.

A: What's the rate of exchange today?

B: Just a moment... It's 1.11.

A: And your commission?

B: We charge 1.5%.

A: Fine. When you've finished I'd like to check the safe deposit box.

B: Certainly.

1. not paid on time, past the correct date = overdue

2. note to a bank asking them to pay money from your account

3. money that you have to pay. e. g.: for goods and services

4. amount of money which a person or company can take out of a bank account, with the bank's permission and which is more than there is in the account

5. to take something, e. g.: money, from someone for an agreed period of time

6. payment made for the use of money

7 to give one type of currency for another

8. to have to pay money

9. the value of one currency against another

10. money paid to a salesman or agent, a percentage of the sales made

11. to ask for money to be paid

UNIT 1. BANKING SYSTEMS

12. to give money back to someone

13. to take out money from an account

14. note asking for payment for goods or services

15. place you can rent to keep documents, jewelry etc.

IX. Writing Practice. Make a short summary about banking in the USA from the text "Banking System in the USA". Use the opening phrases from Appendix 1.

PART III. BANKING

UNIT 2. CENTRAL BANKS

SECTION A. Central Banking System.

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