短期與長期
Kurt is at a bank. He is talking to the teller.
寇特人在銀行，他在跟行員交談。
Kurt: Hi. I’d like to set up a fixed deposit account.
寇特：嗨，我想開設定存帳戶。
set up=創立;設立
Teller: Sure. Please fill out this form. Make sure to complete all the fields that have a check mark next to them.
行員：沒問題，請填妥這份表格。確保旁邊有打勾的欄位都有填寫。
fill out=填寫complete(v.)完成
Kurt: Okay.
寇特：好的。
Teller: What tenure do you prefer?
行員：您傾向多長的期限？
prefer(v.)寧可;更喜歡
Kurt: What is available at your bank?
寇特：這家銀行提供什麼選擇？
available(adj.)可供使用或選擇的
Teller: Our fixed deposits come in a short-term and long-term tenure.
行員：我們有短期與長期定存。
come in=有…(商品以某種型態出現)
Kurt: What’s the difference?
寇特：差別是什麼？
Teller: A long-term fixed deposit is usually held for anywhere between five years to 10 years. A short-term tenure can range from seven to 14 days.
行員：長期定存期限通常介於五至十年間，而短期則介於7至14天。
range from A to B=範圍從A涵蓋到B
Kurt: What about the interest rates?
寇特：那利率呢？
Teller: For a 10-year FD, the interest rate is 6.75%. A 14-day maturity period carries an interest rate of 2%.
行員：十年定存的利率為6.75%，而14天定存利率為2%。
carry(v.)具有;帶有
Kurt: Do you offer any other options? Let’s say, a one-year FD?
寇特：這家銀行還有其他選擇嗎？比方為期一年的定存？
Teller: Yes, we do. The annual interest rate is 5.25%. It seems to be a good option if you don’t want to be locked in for a long period.
行員：有的。年利率是5.25%。如果不想被長期綁約，一年定存是個不錯的選擇。
annual report=年度報告annual income=年收入be locked in=綁約