Special Savings Plans
    特種儲蓄章程
    Sally Berklin wants information about the Savings Bond plan at the First National Bank.
    薩利·伯克蘭在第一國民銀行想得知一些有關(guān)儲蓄債券章程的信息，
    She is talking to the manager of the Savings Department .
    她正在和儲蓄部門經(jīng)理談話。
    Berklin:What do you mean about the Savings Bond plan?Is it possible for me to use that type of account ,too?
    伯克蘭：您所說的儲蓄債券章程是什么意思?我是否也能使用這種帳戶呢?
    Manager:Yes,of course .We offer it to all our customers.Our Savings Bond program offers our highest rate of interest for long-term savers.
    經(jīng)理：當(dāng)然可以，我們向所有顧客提供這種帳戶。我們的儲蓄債券章程對長期存款儲戶提供利率。
    Actually ,they are certificates of deposit for maturities of six to ten years ,
    實際上它們是定期為6到10年的存單，
    and are available in any amount from $5,000 to $100,000.
    存款額從5，000美元到100，000美元的任何定期存單。
    B:Oh,they are only for people with lots of money .
    伯克蘭：哦，這個章程只是為那些很有錢的人設(shè)立的。
    M:Well ,actually you'd be surprised at the number of middle-income people who use this program ,especially retired people.
    經(jīng)理：實際上，相當(dāng)多的中等收入的人特別是退休的人都用這種章程，您會對其使用人數(shù)之多感到驚奇。
    You see ,we pay accumulated interest by bank check every quarter.
    您看，我們每個委度都以銀行支票的形式向顧客支付累計利息，
    So they are almost like an investment plan .
    因此，這些存款幾乎就是一筆投資規(guī)劃。
    B:That sounds very nice.But what if I have to cash in the Savings Bond before maturity?
    伯克蘭：聽起來真不錯，但是如果我不得不提前兌現(xiàn)儲蓄債券怎么辦?
    M:Well,unfortunately ,you would incur a penalty ,as with any premature cancellation of a time deposit .
    經(jīng)理：很遺憾，就象提前支取定期存款一樣，您得接受一定罰款。
    But we encourage customers not to buy Savings Bonds unless they are reasonably sure they can hold them until matuity .
    但是，我們希望顧客們十分確信有把握直到期滿才支取存款，再來購買儲蓄債券。
    B:They sound like an excellent investment idea,especially the advantage of receiving earned interest every three months .
    伯克蘭：聽起來這是個極好的投資辦法，特別是每3個月就能得到利息的好處。
    I'll consider placing some of my savings in Savings Bonds as soon as I save enough.
    等我把錢攢夠了，我馬一考慮把我的一部分積蓄換成儲蓄債券。