棄置帳戶認定
Max got mail that is addressed to his wife, Irene.
馬克斯收到一封寄給妻子艾琳的信件。
address sth. to sb. 在某物上寫上某人的姓名或地址
Max: Babe, here’s your mail. It’s from one of your banks.
馬克斯：寶貝，這裡有你的信件，是你其中一家銀行寄來的。
Irene: Sinobank? Do I even have an account with them?
艾琳：西諾銀行？我在這家銀行有帳戶嗎？
Max: What does it say?
馬克斯：信上說了什麼？
Irene: Let me see. It says I have a savings account that has been dormant for ten years and the bank has presumed it to be abandoned. Hmm… come to think of it, I did open an account at Sinobank years ago, but I haven’t used it since I moved.
艾琳：讓我看看啊。信上說我有個擱置了十年的存款帳戶，銀行把它認定為棄置帳戶了。嗯⋯⋯這麼一想，我多年前確實有在西諾銀行開過一個帳戶，但搬家以後就再也沒用過了。
dormant(adj.)休眠的、無活動的abandon(v.)拋棄abandoned(adj.)被拋棄的、遭棄用的
Max: Apparently, you’ve forgotten about having an account with this bank. The funds in the account must have gone unclaimed since the bank couldn’t locate the owner. You will need to file a claim to retrieve your money, or else it will be handed over to the state by escheat after a specific period of time.
馬克斯：顯然你忘了你在這家銀行有個帳戶。帳戶裡的資金肯定是無人認領了，因為銀行找不到帳戶持有人。你得提出申請領回那筆錢，不然過了一段時間後，那筆錢可能就會被充公。
locate(v.)確定⋯⋯的位置location(n.)地點retrieve(v.)找回、取回、挽回by escheat 充公
Irene: Nah, I don’t want to go through that hassle just for the nickels and dimes in the account that I barely used.
艾琳：不了，我才不要為了帳戶裡的那點錢耗時耗力，那個帳戶我根本也沒在用。
go through the hassle 經歷麻煩或困難nickels and dimes (加拿大或美國的)五分鎳幣與十分硬幣=微不足道的事情或金額
Max: As you wish. By the way, it’s not uncommon for funds to go unclaimed.
馬克斯：隨你吧。順帶一提，資金無人認領可不是什麼少見的事。
uncommon(adj.)不常見的、不普遍的
Irene: How so?
艾琳：怎麼說？
Max: It can occur when a taxpayer fails to update their personal information with the tax authority, which causes the tax refund to go unclaimed. Bank failures or inactive accounts are also common reasons why a fund may be left unclaimed.
馬克斯：當納稅人沒有向繳稅機關更新個資時，就會發生這種情況，這導致應退稅款無人認領。銀行運作異常與不活躍帳戶也是資金無人認領的常見原因。
update(v.)更新tax refund 退稅