ENGLISH FOR INTERNATIONAL TRADE 1 Software CD “Business English 3” (installed with CD 1); & Textbook is “Business Transactions” Unit 1: International Money Order. Unit 2: Checques Unit 3: Traveller’s cheques. Unit 4: Letters of Credit; Invoices Unit 5: Bills of Lading. Unit 6: Letters of enquiries Unit 7: Follow-up letters; sales letters Unit 8: Letters of complaints Examination: Speaking Listening Writing: business letters, reports, essays Translation: English – Vietnamese; Vietnamese - English Unit 1 International Money Orders I. Money order II. Illustration III. Vocabulary IV. Correspondences V. Exercises Name: ………… Date: 29 August 2012 Glossaries 1) Money Order Lệnh rút tiền, lệnh phiếu 2) regular Thường 3) in many aspects Xét theo theo nhiều góc độ 4) except that Ngoại trừ trường hợp 5) to reside Cư trú An international money order is very similar in many aspects to a regular money order except that it can be used to make payments abroad. With it, a buyer can easily pay a seller for goods or services if he or she resides in another country. International money orders are often issued by a buyer's bank and bought in the currency that the seller accepts. International money orders are thought to be safer than sending currency through the post because there are various forms of identification required in order to cash an international money order often including a signature, and a form of photo identification. PLACEMENT TEST – Class: …… - 1 - Name: ….Date of Birth: … Place of Birth: ……… Date of Test: …… PART 1: In brief answer the following questions 1) Do you have a computer? 2) Have you ever accessed the Internet to look up vocabulary in English? 3) Do you like to study English? PART 2: Translate into Vietnamese. PART 3: Underline the vowel where it is stressed in the word of two syllables or more. I. Money order Money Order in the U.S. 20-00-28 BARCLAY BANK International Money Order Issued by BARCLAY BANK LIMITED HIGH STREET CLAXTON Date: Pay :………………………… To the order of (CEO of the Bank)……………. Amount …………………………………… NOT EXCEEDING FIVE HUNDRED POUNDS STERLING Sender XYZ COMPANY LIMITED Negotiate through the world at the current rate for demand drafts. To: Barclay Bank Limited 33 Old Broad Street, London, EC2P M8 England For Barclays Bank International Limited 473726 20 00 28 782390009 Glossaries Student’s name: Date: 27 August 2012 1)alternative (n) sự lựa chọn, phương án 2)IMO= International Money Order Lệnh rút tiền QT, lệnh phiếu QT. In the United States, a money order is a type of check intended to provide a safe alternative to sending cash in the mail. Money orders are typically sold by third parties such as the Postal Service, grocery stores, convenience stores, and financial service companies such as banks Tại Mỹ, lệnh phiếu là một loại chi phiếu nhằm cung cấp phương thức gửi tiền mặt qua bưu điện an toàn. Lệnh phiếu thường do các bên thứ 3 bán ra chẳng hạn như dịch vụ bưu điện, cửa hàng thực phẩm, cửa hàng tạp hóa, và các công ty dịch vụ tài chính như ngân hàng. A money order as purchased by a presenter typically consists of two portions: the negotiable check for remittance to the Lệnh phiếu được người cầm giữ xuất trình thường gồm có 2 phần: chi phiếu chuyển nhượng dung để thanh toán cho chủ nợ, và - 2 - creditor, and a receipt he retains for his records. The amount is imprinted by machine or checkwriter on both portions, and similar documentation, either as a third hard copy or in electronic form, is retained at the issuer and agent locations. biên nhận người xuất trình dùng để lưu hồ sơ. Số lượng tiền do nơi phát hành in bằng máy trên cả 2 phần, và các chứng từ liên quan, giống như bản cứng thứ 3 hay có mẫu lập trình trin máy vi tính, được lưu giữ nơi phát hành hay các đại lý. A money order is purchased for the amount desired. In this way it is similar to a certified check. The main difference is that money orders are usually limited in face value to some specified figure (usually under $1,000) while certified checks are not. One of the reasons for the growing popularity of money orders is that, unlike a personal bank check, they are pre-paid and therefore cannot bounce. The only hypothetical reasons a money order could ever bounce are if the payment is stopped by the maker of the money order, if the issuing company goes bankrupt, or if the money order is fraudulent or counterfeit. Muốn mua Ngân phiếu có số lượng tiền bao nhiêu cũng được. Như vậy lệnh phiếu cũng giống như Séc có xác nhận. Khác nhau chủ yếu là lệnh phiếu thường có mệnh giá quy định( thường dưới 1000 dollar) trong khi chi phiếu có xác nhận muốn viết bao nhiều tùy ý. Một trong những lý do lệnh phiếu được nhiều người ưa chuộng là vì, khác với chi phiếu cá nhân, người mua phải trả trước và do vậy không có trường hợp bị nhảy số thứ tự. Giả thuyết duy nhất có thể đặt ra khiến cho lệnh phiếu bị nhảy số (không được rút tiền mặt) là nơi phát hành lệnh phiếu ngưng thanh toán, đơn vị phát hành bị phá sản hay lệnh phiếu bị giả mạo hay tẩy xóa Money orders are generally considered safer for payments from parties unknown to the payee, as opposed to a personal check drawn on the maker's bank account. This is mainly because money orders are unlikely to bounce due to insufficient funds, since a money order is drawn on a bank's funds rather than on an individual's bank account like a personal check is. And while an individual's checking account balance is susceptible to running out due to personal whims and incompetencies, a banking institution's funds are not. In recent years, partly for this reason, money orders have become a preferred method of payment by sellers of goods over the Internet, but are rapidly being replaced by electronic transfer services (such a Paypal) as the Ngân phiếu thường được xem là phương thức thanh toán an toàn cho người thụ hưởng không biết rõ người ký phát là ai, hoàn toàn trái ngược với trường hợp ký phát Séc cá nhân dựa trên tài khoản của người ký phát. Chủ yếu là bởi vì Ngân phiếu không thể nhảy số thứ tự để trả lại do không đủ tiền, kể từ khi một lệnh chuyển tiền được rút ra vào các quỹ của ngân hàng chứ không phải là trên tài khoản ngân hàng của một cá nhân như chi phiếu cá nhân. Và trong khi số dư tài khoản của một cá nhân kiểm tra dễ bị hết do whims cá nhân và incompetencies, một tổ chức quỹ của ngân hàng thì không. Trong những năm gần đây, một phần vì lý do này, thư chuyển tiền đã trở thành một phương pháp ưa thích thanh toán của người bán hàng qua Internet, nhưng nhanh chóng được thay thế bởi các dịch vụ chuyển tiền điện tử (như Paypal) là phương pháp phổ biến nhất - 3 - most popular method Money order in India In India, a Money Order is a service provided by the postal service. A payer who wants to send money to a payee, pays the amount and a small commission at a post office and gets a receipt from the post office. The amount is then delivered as cash to the payee after a few days by a postal employee, at the address specified by the payer. A receipt from the payee is collected and delivered back to the payer at his address. This is reliable and safer than sending cash in the mail. This is a very valuable service for transferring funds to a payee who is in a remote, rural area, where banks may not be conveniently accessible or where most people may not use a bank account at all. Ngân phiếu ở Ấn Độ Ở Ấn Độ, ngân phiếu là 1 dịch vụ được cung cấp bởi Dịch vụ bưu điện. Người có ngân phiếu muốn gởi tiền đến Người thụ hưởng, cần đưa 1 số tiền mặt và phí thủ tục cho Bưu điện và nhận lại 1 biên nhận từ bưu điện. số tiền này sau đó được giao như là tiền mặt đến Người thụ hưởng sau 1 vài ngày bởi nhân viên bưu điện, theo địa chỉ đã được ghi rõ bởi người cầm Ngân phiếu. Biên nhận từ Người thụ hưởng được nhân viên bưu điện lấy lại và giao cho Người nộp tiền mặt tại địa chỉ anh ta. Đây cách gởi tiền mặt qua thư rất tin cậy và an toàn. Đây là dịch vụ rất có ích cho việc chuyển tiền đến người thụ hưởng khi họ ở nơi xa xôi, vung nông thôn mà các ngân hàng không thể tới dễ dàng hay nơi mà hầu hết mọi người không thể sử dụng tài khoản ngân hàng. II. Illustration Here is the introduction for using International Money Order on Italian Post Office website (Poste Italiane) International Money Order: To send money abroad, from all post offices Features: According to the existing agreements with different countries, Poste Italiane offers two types of services: International money orders are payable at the post office listed on the money order itself, but they can also be cashed at another office. In this case, the beneficiary must pay 1.03 euro. The amount of the international money order is shown in the currency of the destination country or in an agreed upon currency, after having been converted from euro. FEATURES According to the existing agreements with different countries, Poste Italiane II. Minh họa Đây là sự giới thiệu để sử dụng Ngân phiếu quốc tế trên website của Bưu điện tại Italia. Ngân phiếu quốc tế: để gởi tiền ra nước ngoài, từ tất cả các bưu điện Các đặc trưng: Theo như các thỏa thuận đã có với những quốc gia khác, bưu điện Ý cung cấp 2 loại hình dịch vụ như sau: IMO chỉ được thanh toán tại những bưu điện đã có tên trong danh sách của Ngân hàng Ý công bố. mọi người cũng có thể đổi tiền mặt tại các ngân hàng khác ngoài hệ thống nhưng họ phải tốn 1.03 euro. Số tiền của IMO được đổi thành đơn vị tiền tệ của quốc gia chấp nhận IMO hoặc đơn vi tiền tệ đã được thỏa hiệp sau khi đã chuyển đổi từ Euro. Những đặc điểm khác: Theo như các thỏa thuận đã có với những quốc gia khác, bưu điện Ý cung cấp 2 loại hình dịch vụ như sau: - 4 - offers two types of services: * ordinary international money orders: sent by post; * the Eurogiro: sent via the IT network linking the countries belonging to the circuit. * International money orders enable to receive or send registered letters, insured letters and C.O.D. parcels from/to countries having underwritten a bilateral agreement with Italy. Up to 154,94 euro From 154,95 euro to 258,23 euro From 258,24 euro to 516,46 euro From 516,47 euro to 1.032,91 euro From 1.032,92 euro euro 3,25 3,87 4,39 4,91 5,16 Euro Notice of receipt/payment 0,46 Certificate of issue/payment 0,57 Payment at alternative post office 1,03 Revalidation and duplication 1,29 Richiesta in visione vaglia pagato 1,29 Albania, Algeria, Belgium, Bulgaria, Burkina Faso. Canada, Cape Verde, Czech Rep., Taiwan, China, Cyprus, South Korea, Ivory Coast, Egypt,Ghana, Greece, Guinea, India*, Israel*, Mauritius, Latvia, Malta, Mauritania, Poland*, Romania, Senegal, Slovenia, Spain (including Andorra), South Africa, Thailand, Hungary. Uruguay, Vatican City, Yugoslavia Through France: Benin, Cameroon, Futuna Island, Gabon, New Caledonia, French Polinesia, Wallis Island Through South Africa: Lesotho, Namibia. Swaziland * Authorised solely to issue money orders (source: www.posteitaliane.com) IMO thông thường: được gởi bằng Bưu điện Mạng thanh toán điện tử Eurogiro: được gởi thông qua hệ thống IT kết nối với các quốc gia theo mạch. IMO có thể nhận hay gởi “Thư bảo đảm”, “thư khai giá” và bưu điện C.O.D từ đến những quốc gia đã ký hiệp định song phương với Italia. Từ 154,94 euro trở xuống Từ 154,95 euro đến 258,23 euro Từ 258,24 euro đến 516,46 euro Từ 516,47 euro đến 1.032,91 euro Từ 1.032,92 euro trở lên euro 3,25 3,87 4,39 4,91 5,16 Euro Thông báo nhận hay thanh toán 0, 46 Chứng nhận ký phát hay thanh toán 0,57 Thanh toán tại bưu điện ngoài hệ thống 1,03 Xác nhận lại và sao chép 1,29 Yêu cầu Ngân phiếu đã được trả trước 1,29 In the United States, a money order is a type of check intended to provide a safe alternative to sending cash in the mail. Money orders are typically sold by third parties such as the Postal Service, grocery stores, convenience stores, and financial Tại Mỹ, lệnh phiếu là một loại chi phiếu nhằm cung cấp phương thức gửi tiền mặt qua bưu điện an toàn. Lệnh phiếu thường do các bên thứ 3 bán ra chẳng hạn như dịch vụ bưu điện, cửa hàng thực phẩm, cửa hàng tạp hóa, và các công - 5 - service companies such as banks. ty dịch vụ tài chính như ngân hàng. A money order as purchased by a presenter typically consists of two portions: the negotiable check for remittance to the creditor, and a receipt he retains for his records. The amount is imprinted by machine or checkwriter on both portions, and similar documentation, either as a third hard copy or in electronic form, is retained at the issuer and agent locations. Lệnh phiếu được người cầm giữ xuất trình thường gồm có 2 phần: chi phiếu chuyển nhượng dung để thanh toán cho chủ nợ, và biên nhận người xuất trình dùng để lưu hồ sơ. Số lượng tiền do nơi phát hành in bằng máy trên cả 2 phần, và các chứng từ liên quan, giống như bản cứng thứ 3 hay có mẫu lập trình trin máy vi tính, được lưu giữ nơi phát hành hay các đại lý. A money order is purchased for the amount desired. In this way it is similar to a certified check. The main difference is that money orders are usually limited in face value to some specified figure (usually under $1,000) while certified checks are not. One of the reasons for the growing popularity of money orders is that, unlike a personal bank check, they are pre-paid and therefore cannot bounce hay không được rút tiền mặt. The only hypothetical reasons a money order could ever bounce are if the payment is stopped by the maker of the money order, if the issuing company goes bankrupt, or if the money order is fraudulent or counterfeit. Muốn mua lệnh phiếu có số lượng tiền bao nhiêu cũng được. Như vậy lệnh phiếu cũng giống như chi phiếu có xác nhận. Khác nhau chủ yếu là lệnh phiếu thường có mệnh giá quy định (thường dưới 1000 dollar trong khi chi phiếu có xác nhận muốn viết bao nhiều tùy ý. Một trong những lý do lệnh phiếu được nhiều người ưa chuộng là vì, khác với chi phiếu cá nhân, người mua phải trả trước và do vậy không có trường hợp bị nhảy số thứ tự. Giả thuyết duy nhất có thể đặt ra khiến cho lệnh phiếu bị nhảy số (không được rút tiền mặt) là nơi phát hành lệnh phiếu ngưng thanh toán, đơn vị phát hành bị phá sản hay lệnh phiếu bị giả mạo hay tẩy xóa. Money orders are generally considered safer for payments from parties unknown to the payee, as opposed to a personal check drawn on the maker's bank account. This is mainly because money orders are unlikely to bounce due to insufficient funds, since a money order is drawn on a bank's funds rather than on an individual's bank account like a personal check is. And while an individual's checking account balance is susceptible to running out due to personal whims and incompetencies, a banking institution's funds are not. In recent years, partly for this reason, money orders have become a preferred method of payment by sellers of goods over the Internet, but are rapidly being replaced by electronic transfer services (such a Paypal) as the most popular method. Ngân phiếu thường được xem là phương thức thanh toán an toàn cho người thụ hưởng không biết rõ người ký phát là ai, hoàn toàn trái ngược với trường hợp ký phát Séc cá nhân dựa trên tài khoản của người ký phát. Security features of U.S. Postal Money Orders * PMOs are generally regarded as one of the more difficult financial documents to counterfeit - 6 - * Watermarks. Telltale watermark when held up to the light should reveal images of Benjamin Franklin, repeated on the left side (top to bottom) * Dark security strip running alongside the watermark (top to bottom), just to the right. If held to the light, a microfiber strip will show tiny letters "USPS" along its length, facing backward and forward * Rainbow of inked patterns and tones. * Maximum value of $1000 for domestic (US) postal money orders, and $700 for International Postal Money Orders. • Denominations appear in two locations. If the denomination amounts are discolored, that indicates that they have been erased. III. Vocabulary 1. Insert the correct words and phrases in the appropriate spaces in the text below Balance Beneficiary Convenient Currency debit Deposit Encash Fill in identification Levy Mail Negotiate Refund Service charge Transaction International Money Orders are suitable for small transaction such as subscription, gifts, order or small import orders. They are usually paid in sterling or US dollars. If you want to pay a person or a business abroad in any other currency , ask a bank official for advice. When you fill in the request form you write your own name and the names of the Beneficiary, you should also state how you wish to pay: in cash, by cheques, or by debit to your account. You then receive the I.M.O., and you can mail it direct to the company or relative abroad. The I.M.O is convenient because the bank makes all the arrangements for you and there is no delay. There is a small charge, however. This is also called a commission charge. Banks which negotiate IMOs have signs (called stickers) which they display on outside windows and inside on cashiers' counters. Your beneficiary can obtain cash for his IMO or he can deposit it to his account. The beneficiary's bank will levy a small commission charge, and will ask for suitable identification if they do not know him personally. Only banks are allowed to encash I.M.O.s. They cannot be used in hotels, shops or airports. If you lose an I.M.O. You can get immediate refund which is limited to £100 or US$250. The balance is repaid after a short period. International Money Orders are suitable for small…… (1) such as subscription, gifts, order or small import orders. They are usually paid in sterling or US dollars. If you want to pay a person or a business abroad in any other (2) , ask a bank official for advice. When you (3) the request form you write your own name and the names of the …(4)…… , you should also state how you wish to pay: in cash, by cheques, or by …… (5) to your account. You then receive the I.M.O., and you can. (6) it direct to the company or relative abroad. The I.M.O is (7) because the bank makes all the arrangements for you and there is no delay. There is a small (8) , however. This is also called a commission charge. Banks which .(9) IMOs have signs (called stickers) which they display on outside windows and inside on cashiers' counters. Your beneficiary can obtain cash for his IMO or he can (10) it to his - 7 - account. The beneficiary's bank will (11) a small commission charge, and will ask for suitable (12) if they do not know him personally. Only banks are allowed to (13) I.M.O.s. They cannot be used in hotels, shops or airports. If you lose an I.M.O. You can get immediate (14) which is limited to £100 or US$250. The . (15) is repaid after a short period. Balance 2. Insert the correct phrases in the appropriate spaces below. By cash/in cash By debit On the spot By cheque On your behalf You can buy an I.M.O. at your local bank branches. The bank can fill in all the necessary forms On your behalf (1) , so you don't have to complete long application forms. The most convenient method of payment is By debit (2) , as you don't have the risk of carrying notes and coins and the bank can simply reduce the amount in your account for you. If you have an account and a cheque book you can pay By cheque (3). Both of these methods are better than payment By cash .(4), which is inconvenient and risky. If you have an account or cash, the bank can complete all the arrangements .(5) , so there is no delay. You can then post the I.M.O. immediately. You can buy an I.M.O. at your local bank branch. The bank can fill in all the necessary forms (1) , so you don't have to complete long application forms. The most convenient method of payment is .(2) , as you don't have the risk of carry notes and coins and the bank can simply reduce the amount in your account for you. If you have an account and a cheque book you can pay .(3). Both of these methods are better than payment On the spot .(4), which is inconvenient and risky. If you have an account or cash, the bank can complete all the arrangements .(5) , so there is no delay. You can then post the I.M.O. immediately. IV. Correspondences A company supplying a small order, such as a number of books or magazines, may send a letter to a buyer in England asking for payment before the goods are sent. This is necessary because the supplier does not know the buyer personally, or does not do regular business with him. HP Company 124-6 Le Loi str. Ward 10, dist. 1 Ho Chi Minh City 2 nd March, 2005 J.K. Harvey, 37 Winchester Str, London, SW34 KR. Dear Mr. George, - 8 - Thank you for your order (Number CH243) for 300 copies of magazine from our publisher. We enclose the invoice, which gives you details of the cost. Payment must be made before we send the goods. The invoice Number is QS3458. We would like to suggest that you pay by International Money Order. The amount of not (£137) is small, and the International Money Order is the quickest and cheapest method ft both of us. Your bank can help you to complete it, and you can then post it to our address. We look forward to supplying the magazines as soon as we receive payment. Yours sincerely, C.A. Hines Fill in each blank with a correct preposition, or write “NOTHING” where it is NOT needed. Dear Mr. George, Thank you for your order (Number CH243) (1)____ 300 copies (2)______ magazine from our publisher. We enclose (3)______ the invoice, which gives you details (4)______ the cost. Payment must be made before we send the goods. The invoice Number is QS3458. We would like to suggest that you pay (5)_____ International Money Order. The amount (6)_____ (not (£137) is small, and the International Money Order is the quickest and cheapest method for both (7)of us. Your bank can help you to complete it, and you can then post it (8)to our address. We look forward to supplying the magazines as soon as we receive payment. Yours sincerely, C.A. Hines The English buyer can then go to his bank branch and purchase an International Money Order. Then he writes to the supplier. 37 Winchester Str, London, SW34 KR. 8 th March 2005 HP Company 124-6 Le Loi str. - 9 - Ward 10, dist. 1 Ho Chi Minh City Dear Sirs, Thank you very much for your letter of the 2 nd March 2005 enclosing your detailed bill. I enclose an International Money Order (No.1075881) for USD 250,00 (two hundred fifty US dollars) which include charge your bank will levy for cashing it, or depositing it to your account. I trust that this method of payment is convenient. If we reserve rooms in your hotel in the future, however, International Money Order may be inadequate, we hope to enjoy better prices. We look forward to seeing you then. Yours faithfully, J.K. Harvey V. Exercises 1. Write a letter to an English customer who has booked 25 rooms for a group of English tourists. New World Hotel 12-6, Le Lai Street Ward 7, District 1 HCMC, Vietnam Ms Anderson Sales Manager J.K. Harvey 37 Winchester Str, London, SW34 KR. 2 nd October, 2010 Dear Ms Anderson, Miss Thank you for your booking 25 rooms for a group of English tourists. We enclose the brochure, which gives you details of the cost. Deposit must be made before we arrange for preserving the rooms. We would like to suggest that you pay by International Money Order. The amount of (£137) is small, and the International Money Order is the quickest and cheapest method for both of us. Your bank can help you to complete it, and you can then post it to our address. We look forward to serving you and your group then. - 1 0 - [...]... this to him, but include alternatives as well Viet tien company 14 Le Loi street District 1 Ho Chi Minh city 17 September 2 012 Mr John Wayness 14 2 Road 1 London Dear John, - 20- → sincerely I am writing to you in requesting information on how to pay a sum of $ US 11 5 (one hundred fifteen US dollars), which we own you for your expenses as a representative We think it best to pay by direct check to your... convenient for you We look forward to hearing from you soon Yours faithfully Jonathan Smith Editor in chief 3 Write a letter to a representative Requesting information on how to pay a sum of $US 11 5 which your firm owes him for his expenses as a representative Your firm thinks it best to pay by cheque direct to his account in London Suggest this to him, but include alternatives as well Viet tien company 14 ...Yours sincerely, C.A Hines 2 -11 - Reply to the above letter, enclosing an International Money Order for US$250 J.K Harvey, 37 Winchester Str, London, SW34 KR 2nd March, 2005 Dear Sir, Thank you for your order (No CH243) for 300 copies of magazine from our publisher We enclose the invoice, which gives you details of the cost Payment must be made before we send the goods The invoice No is... Euros: €50, 10 0,_€200 (these can currendy be used in Austria, Belgium, Finland, France, Germany, Greece, Republic of Ireland Italy Luxembourg, the Netherlands, Portugal and Spain) Japanese yen: 10 ,000, ¥20,000, ¥50,000 Saudi Arabian rivals: SAR500, SAR1000 South-African rand:"R10Q,'R26o, R500 1* Swiss francs: SF50, SFI00, SF200; SF500UKpounds:£20,£50, 10 0,£200,£500 US dollars: US$20, US$50, US $10 0, US$500,... details and information the customer will need to have in a bank branch overseas - 29- ACB Bank 12 3 Nguyen Dinh Chieu Str District 3, HCMC 21 September 2 010 Mr … …… Dear Mr Douglas, Thank you for your letter of 14 September in which you asked for advice on travelers cheques As you know, because you have a (1) Current account with our bank, you can obtain cash in other countries in various ways The most... (8)……… of $10 , $25, $50, $10 0 and $250, (9)……… exchange control regulations They must pay a small (10 )……… , or service charge as it is called in the USA Part 2: Give 5 words whose –ed is pronounced the same as that in issued 1) ……………… 2)……………… 3)……………… 4)……………… 5)……………… Give 5 words whose –s is pronounced the same as that in banknotes 1) ……………… 2)……………… 3)……………… 4)……………… 5)……………… A person who has a (1) Current... payments, etc I look forward to hearing from you soon Yours faithfully - 19 19 - 2 Write a letter to a customer asking him to pay a bill for a magazine subscription You want him to pay by cheque to the magazine's account Give the address of the bank, the name of the payee, and the name and address of the bank branch 22 Nguyen Van Linh street District 7 Ho Chi Minh city 17 September 2 012 Mr Peters Brown... usually being 20, 50, or 10 0 of whatever currency, and are usually sold in pads of five or ten cheques, e.g., 5 x €20 for 10 0 Traveler's cheque do not expire, and unused cheques can be kept by the purchaser as long as he wishes until 1 ready to spend the money The purchaser of a supply of traveler's cheques effectively gives interest-free loan to the issuer, which is why it is common for banks to sell them... toll-free 1- 800-227-6 811 Travellers’ Cheques Card American Express® offers you the new Travellers Cheques Card - a great way to make your travelling life easier It's a new, safe and convenient way to carry money abroad, with the security of travellers cheques and the convenience of a payment card Special offer The Travellers Cheque Card normally costs £20, but for Nat West customers, it's just 15 And... Register and its Register number is 12 4583 The FSA's Register can be accessed at www.fsa.gov.uk/register The Bank's registered VAT number is GB - 760440746 American Express Bank - 23- Ltd., 60 Buckingham Palace Road, London, SW1W 0RR (No.FC1863, BR3 01) Incorporated with Limited Liability in the State of Connecticut, USA and registered with the Secretary of State, Hartford, Connecticut, USA with its head . ENGLISH FOR INTERNATIONAL TRADE 1 Software CD “Business English 3” (installed with CD 1) ; & Textbook is “Business Transactions” Unit 1: International Money Order. Unit. Italy. Up to 15 4,94 euro From 15 4,95 euro to 258,23 euro From 258,24 euro to 516 ,46 euro From 516 ,47 euro to 1. 032, 91 euro From 1. 032,92 euro euro 3,25 3,87 4,39 4, 91 5 ,16 Euro Notice. Italia. Từ 15 4,94 euro trở xuống Từ 15 4,95 euro đến 258,23 euro Từ 258,24 euro đến 516 ,46 euro Từ 516 ,47 euro đến 1. 032, 91 euro Từ 1. 032,92 euro trở lên euro 3,25 3,87 4,39 4, 91 5 ,16 Euro Thông