Time Deposits(2)
定期存款(二)
Judy Taylor continues talking with the New Accounts clerk about Time Certificates of Deposit.
裘德·泰勒与负责新开帐户的职员继续谈论有关定期存单的事。
Taylor:What if I need the money for an emergency before the certificate matures?Can I get it out ,then ?
泰勒：假如在存款到期之前，我为应付紧急情况，需要用那笔钱该怎么办?那时能不能把款取出来?
Clerk:Yes,of course ,you may withdraw your funds by cashing in your certificate before the maturity date if this becomes necessary .
职员：当然可以。如果需要的话，您可以在存单的到期之前取你您存单中的现金。
But ,in this case ,you would not receive the stated interest return.
但是，在这种情况下，您不能获得原定利息，
The high rates of return that are offered are valid only if the certificate is maintained for the full length of the contracted period.
只有当存单到期，所提供的高利率才能生效。
T:You mean I would lose all my interest?
泰勒：您的意思是说，我会失去所有的利息?
C:No,not all.We would redeem your certificate at your request ,subject to our current rate schedule for prematurity cancellation .
职员：不，不是全部的，我行会考虑到您的要求将您的存单兑现。由于您提前取款，我们要根据当时牌价标准付给您利息。
T:How much is that rate?
泰勒：那么利率应是多少呢?
C:I can't give you an exact figure ,Miss Taylor ,as it fluctuates depending on the regular savings rate.
职员：我不可能给您一个确切数子，泰勒小姐，因为它是随着普通存款利率而浮动的。
As you know ,our regular savings rate changes periodically in accordance with the interest earnings rate allowed for commercial banks .
您知道，我们的一般存款利率是按照商业银行所允许的利率定期性的变化。
That rate is posted on the bulletin board in the lobby as required by bank rules .
接照银行的规定，所说的这个比率表就贴在大厅里布告板上。
T:So,you mean that I would be subject to a penalty if I had to cash in the certificates before the date they mature .
泰勒：那么您是说，如果我在定期存单到期日之前不得不兑现的话，我就要为此而受到罚款。
C:Yes,that's right .That's why we encourage our clients to select the terms and balances carefully before they commit themselves to Time Certificates of Deposit.
职员：是这样的。这就是为什么我们希望顾客在承诺定期存款之前，应认真地选择存款期限和存款额。