Контрольная PERSONAL CHEQUES
I. Translate the business letters 3, 8, 15.
Деловое письмо 3
Correspondence on the sale of licenses, know-how, engineering
Dear Sirs,
We have received your letter of March 2, this year, with the request to deliver equipment for a chemical plant.
We have considered your request and write to inform you that we are ready to conduct negotiations on this problem. At the same time we would like to draw your attention to the fact that our company sells licenses on know-how which go along with deliveries of complete equipment.
As you know these lines of cooperation are widely used all over the world. In the agreement on the transfer of know-how we guarantee additional profit for a licensee and the output of produce of high quality, i.e. in accordance with technical specifications.
If you find our offer of some interest we shall prepare materials for patenting (description, drawings) the equipment taking into account the requirements of your patent office.
Awaiting your reply,
Yours faithfully
Деловое письмо 8
Correspondence on claims and arbitration
Dear Sirs,
We acknowledge receipt of your letter of September 5, this year, from which we have learned that you make a claim on us for the sum of... dollars for the delay in submitting the technical documentation under Contract No...
We have carefully studied your claim and must inform you that the delay in submitting the technical documentation occurred through no fault of ours. We would like to remind you that article 6 of the above contract provides for the submission of the technical documentation within three months after you open an irrevocable letter of credit in our favour with the Bank for Foreign Trade for the sum of... dollars. You undertook to open the letter of credit before June 5, this year; it was actually opened by you on July 25, i. e. more than a month overdue.
Thus, you have infringed the contract in respect of terms of payment, which has caused the delay in submitting the technical documentation and consequently you cannot hold us responsible and claim damages.
Yours faithfully
Деловое письмо 15
Correspondence on insurance
Dear Sirs,
We have received your letter of March 3, this year, in which you ask us change the terms of insurance of equipment, suggested by us in the draft contract for the delivery of the equipment for machine building plant. You suggest that the contract should provide insurance of the equipment against... risks.
We draw your attention to the fact that Ingosstrakh does not insure equipment delivered to ... ports against ... risks. We know that insurance against ... risks can be done with the London Insurance Company.
As to insurance against other risks they are indemnified depending on the terms of an insurance contract.
We are ready to discuss once again the terms of insurance.
Yours faithfully
II. Read the text and answer the questions:
PERSONAL CHEQUES
A cheque is a note to the bank where the customer has his or her account asking the bank to pay money from his or her account to the account of the company or the person whose name will be written by the customer on the cheque.
To write out a cheque the customer must put down the name of the payee, the amount in figures and in words, the date. When the customer signs the cheque, it means he authorizes the bank to pay the specified amount. Generally the cheque is signed in the presence of the payee or the company staff member.
A signed personal cheque is valid for 6 months from the date of issue.
If a mistake was made in the cheque or it was totally spoilt, the holder must cancel it.
Unsigned blank cheques appear in a special booklet called a cheque book. It consists of 100 or 200 cheques.
The holder will be asked to produce a cheque card or a cheque guarantee card together with his cheque. It is a plastic card from the bank which quarantees the payment of the cheque up to a certain amount. Both the cheques in the cheque book and the cheque card must have the same code number. The card has an expiry date.
When the company staff member receives a cheque, he must put the cheque card number on the back of the cheque. To avoid forgery it is also recommended to hold the cheque up to light and examine it as well as to compare the signatures.
The personal cheque will be cleared and the payment will be received only in case the customer has enough money in his or her bank account. Otherwise the cheque will be returned unpaid. In effect it means that the goods or services were purchased by the buyer at the cost of the seller.
Travellers must be aware of the fact that not all tourist companies, hotels and restaurants accept personal cheques. The main reason is that cheque clearance takes time - 8 calendar days and more.
Personal cheques are used as a method of payment or cashed in local currency.
COMPREHENSION QUESTIONS
1. What is a personal cheque?
2. What must a valid cheque include? How long is a cheque valid?
3. When does the holder have to cancel his or her cheque?
4. What is a chequebook?
5. What is the effect of the cheque card?
6. How can forged cheques be avoided?
III. Fill in the blanks:
the transactionbalancethe exchange rate
countersignaturesa debta cheque card
the payeecurrencya traveller's cheque
a sales vouchera loanforgery
stickercashdispensers
1. When a customer writes out a cheques, he must put down the name of _.
2. _ is the value of the money compared to the currency of another country.
3. When you pay by card you will be asked to sign _.
4. The buyers of traveller's cheques are recommended not to put _on their cheques in advance.
5. According to the law travellers are obliged to change their money for the local _.
6. The staff members are recommended to examine the cheques and cheque cards carefully to avoid _.
7. With Eurocheque dispensers a customer can check his _.
8. It's convenient to pay in cash when you purchase cheap goods or want to leave a tip.
9. When a customer pays by cheque, he is asked to produce _.
10. With a charge card the customers are not allowed to take out _.
11. A _ is a bank draft for personal use of the customer.
12. Eurocheques are accepted in almost all sales outlets in European tourist areas even if they don't display the Eurocheque _.
13. A credit card holder pays off his _ in arrears.
14. A commission will be charged on traveller's cheques by the bank for _.
15. The holders of Eurocheques can draw cash from _.
IV. Open the brackets and use the Past Indefinite Active or the Past Indefinite Passive:
1. I (not to use) my personal cheques for encashment. My card (not to use) for encashment during my previous tour either.
2. The customer (not to receive) the credit statement at the end of last month. The statement (to receive) much later.
3. Where your traveller's cheques (to lose)? - I (not to lose) them, they (to steal) from me in the jammed airport.
4. the bank (to replace) your stolen cheques? - No, they (not to replace). They (to refund) to me by the bank.
5. the customer (to pay off) his debt? - Yes, the debt (to pay off) in arrears during the last three months.
6. The bill (to exceed) the amount in the cheque. How the difference (to make up)? - The customer (to advise) to write out another cheque.
7. Where and how your guest (to pickpocket)? - He (not to pickpocket). He (to leave) his money in a taxi.
8. The tour package (to pay for) by credit card. The customer (not to pay) a deposit, he (to pay) the total amount at once.
9. The customers (not to draw) cash from this dispenser yesterday because it was out of order. Cash (not to draw) from it the day before yesterday either.
10. Where you (to keep) your sales voucher when you (to pickpocket)? - It (to keep) in my inner pocket.
11. The guide (to show) them the way to the nearest bank. The Eurocheque sticker (to show) on its entrance door.
12. you (to change) your dollars for the local currency at the airport yesterday? They (to offer) a good exchange rate. - No, my personal cheques (to accept).
13. the cashier (to take) the imprint of your card when you (to pay) the hotel bill? - Yes, the imprint (to take) and (to give) a receipt.
V. Make up interrogative and negative sentences:
MODEL:
+ Cards will be honoured in our company.
? Will cards be honoured in our company?
- Cards will not (won't) be honoured in our company.
1.The debts will be paid off in arrears.
2. This cheque will be cleared very soon.
3. American Express card will be accepted.
4. Eurocheques will be honoured everywhere.
5. New methods of payment will be introduced.
6. The traveller's cheque will be countersigned by the holder.
7. New cashing facilities will be installed.
8. The payment will be made in cash.
9. The statement will be received at the end of the month.
10. The imprint will be taken.
11. A high commission will be charged on this transaction.
12. The money will be transferred from one bank account into another.
VI. Open the brackets and translate into Russian:
1. You (to offer) a range of services when you become a Diners Club member.
2. A lot of sales outlets (to force) to install electronic equipment to service card-holders.
3. Soon we (to oblige) to accept plastic money.
4. electronic methods of payment (to increase) everywhere in the world?
Будут повсюду в мире более широко использовать электронные платежи?
5. major credit and charge cards soon (to honor) by all companies in this country?
6. I'm sure, new methods of payment (to invent) in future to make payments faster and easier.
7. The credit statement (to send) to you at the end of next month.
8. The credit cards stickers (to show) on our entrance door, if we accept them in future.
9. When the debt (to pay) off?
10. What kind of interest rate (to charge) on the transaction?
11. Your traveller's cheques (to use) by a stranger if you don't countersign them in advance.
12. Your card immediately (to block) if you report the loss to the credit card company.
13. Your traveller's cheques (not to loose) forever and (to replace) if you keep the sales voucher.
14. Your money (to steal) if you don't carry a lot of cash on you.
Контрольная создана для будущих экономистов. В контрольной работе встречается множество английских экономических терминов.
