English for International trade 1 pps

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 -
Yours sincerely,
C.A. Hines
2. Reply to the above letter, enclosing an International Money Order for US$250.
- 1 1 -
J.K. Harvey,
37 Winchester Str,
London, SW34 KR.
2
nd
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 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 faithfully,
C.A. Hines
Unit 2: Cheques

I. History
II. Parts of a
cheque
III. Types of
cheques
IV. Vocabulary
V.
Exer
cise
s
- 12-

A Cheque is a negotiable instrument
instructing a financial institution to pay a
specific amount of a specific currency from a
specific demand account held in the maker
or depositor's name with that institution.
Both the maker and payee may be natural
persons or legal entities.
Chi phiếu là một công cụ có thể chuyển
nhượng, chỉ thị cho một định chế tài
chính thanh toán một lượng tiền cụ thể,
rút ra từ một tài khoản vảng lai của người
ký phát. Cả người ký phát và người thụ
hưởng phải đến tuổi trưởng thành hay
nhà pháp nhân.
During the first century C.E., banks in the
Near East issued letters of credit known as
Sakks. They are considered the basis for
the modern cheque.

The cheque had its origins in the ancient
banking system, in which bankers would
issue orders at the request of their
customers, to pay money to identified
payees. Such an order was referred to as a
bill of exchange. The use of bills of
exchange facilitated trade by eliminating the
need for merchants to carry large quantities
of currency (e.g. gold) to purchase goods
and services. A draft is a bill of exchange
which is payable on demand of the payee.
Vào thế kỷ thứ nhất sau Công nguyên,
các ngân hàng ở vùng Cận Đông đã phát
hành thư tín dụng được gọi là Sakks.
Thư tín dụng được coi là cơ sở cho Séc
hiện đại.
Séc có nguồn gốc từ hệ thống ngân hàng
cổ xưa, theo đó chủ ngân hàng sẽ phát
hành Ngân phiếu theo yêu cầu của khách
hàng, để trả tiền cho người thụ hưởng đã
xác định. Một Ngân phiếu như vậy được
gọi là Hối phiếu. Việc sử dụng Hối phiếu
tạo điều kiện thuận lợi trao đổi nhằm loại
bỏ việc các thương gia mang quá nhiều
tiền tệ(chẳng hạn như Vàng)để mua hàng
hóa hay dịch vụ cho nhu cầu của họ. Từ
Draft cũng được gọi là hối phiếu có lợi
theo yêu cầu của người thụ hưởng.
The cheque was originally called a "check"
in reference to the counterfoil used to check

against forgery and alterations. The spelling
"cheque" seems to have been introduced by
J. W. Gilbart in 1828 { A practical treatise on
banking, 2nd ed, 1828, Effingham Wilson,
London). He explains in a footnote 'Most
writers spell it check. I have adopted the
above form because it is free from ambiguity
and is analogous to the ex-chequer, the
royal treasury. It is also used by the Bank of
England "Cheque Office"'. According to
Holden, the older spelling survived in some
English" text-books in the 1920s (M J
Holden, History of Negotiable Instruments in
English Law, 1955, University of London
Press, London).
The older spelling is more common in the
USA, but the UK and most Commonwealth
countries have adopted the newer form
"cheque".
Từ “cheque” ban đầu được gọi là "check"
bì người ta dùng Cùi tập Séc để kiểm tra
giả mạo và tẩy xóa. Việc đánh vần từ
“Cheque” dường như đã được giới thiệu
bởi JW Gilbart vào năm 1828 (trong
sách” Luận thực tế về ngân hàng”, Tái
bản lần thứ 2, năm 1828, Effingham
Wilson, London). Ông giải thích rằng
trong Lời chú thích cuối trang hầu hết các
nhà văn đều đánh vấn là “Check”. Tôi đã
chấp nhận từ đó vì nó không bị mơ hồ và

tương tự với ex-checker nghĩa là kho bạc
hoàng gia. Ngân hàng Anh cũng còn sử
dụng cho văn phòng chi phiếu. Theo
Holden, việc đánh vần cũ vẫn tồn tại ở
một số sách tại nước Anh vào những
năm 1920 (MJ Holden, “Lịch sử của các
công cụ chuyển nhượng trong Luật tiếng
Anh”, năm 1955, Đại học London Press,
London).
Việc đánh vần cũ (check) rất phổ biến ở
Mỹ, nhưng Vương quốc Anh và hầu hết
các quốc gia thuộc Khối thịnh vượng
chung đã áp dụng từ mới hơn chính là
- 13-
”cheque”.
II) Parts of a cheque

A cheque shall contain:
1-Place of issue
2-Cheque number
3-Account number MICR
4-Date of issue
5-Payee
6-Amount of currency
7-Signature of the drawer
A cheque is generally valid for six
months after the date of issue unless
otherwise indicated, but this varies
depending on where the cheque is
drawn. In Australia, for example, it is

fifteen months
II) Các bộ phận của 1 tờ Séc

Một kiểm tra phải bao gồm:
1) Nơi phát hành Séc
2) Mã số Séc
3) Số tài khoản MICR
4) Ngày phát hành Séc
5) Người hưởng lợi
6) Số tiền ghi trên Séc
7) Chữ ký của người ký phát Séc
Séc thường có hiệu lực khoảng 6
tháng sau ngày phát hành nếu không
có thông báo khác, nhưng điều này
còn thay đổi tùy thuộc vào nơi mà
Séc được ký phát.ví dụ ở Úc là 15
tháng.
III. Types of cheques
III. Types of cheques
In the United States, cheques are
governed by Article 3 of the Uniform
Commercial Code.
•An order cheque - the most common
form in the US - is payable only to the
named payee or his or her indorsee,
as it usually contains the language
"Pay to the order of (name)."
• A bearer cheque is payable to
anyone who is in possession of the
document: this would be the case if

the cheque does not state a payee, or
is payable to "bearer" or to "cash" or
"to the order of cash", or if the cheque
is payable to someone who is not a
person or legal entity, e.g. if the payee
line is marked "Happy Birthday".
In the United States, the terminology
for a cheque varies with the type of
financial institution on which it is
drawn. In the case of a savings and
III. Các loại Séc
Ở Hoa Kỳ, Séc được chi phối theo Điều
3 của “Bộ luật thương mại thống nhất”.
• Séc theo lệnh – loại phổ biến nhất ở
Mỹ, chỉ trả cho người thụ hưởng có tên
hoặc ngươi hưởng lợi của anh ấy/cồ
ấy,vì nó thường chứa ngôn ngữ”yêu
cầu trả cho…(tên)".
• Đối với Séc vô danh thì trả cho bất cứ
ai sở hữu chứng từ này: Điều này sẽ
xảy ra nếu Séc không khi rõ người
hưởng lợi là ai, hoặc là trả cho "người
vô danh" hoặc "đổi thành tiền mặt"
hoặc "yêu cầu trả cho tiền mặt”, hoặc
Séc trả cho 1 số người không phải là
pháp nhân hay là người trưởng thành,
ví dụ như nếu dòng người thụ hưởng
được ghi là "Happy Birthday".
Tại Hoa Kỳ, thuật ngữ cho 1 tờ Séc
thay đổi với các loại hình tổ chức tài

chính khi Séc được ký phát tại đó. Đối
với trường hợp của Hiệp hội tín dụng
- 14-
loan association it is a negotiable
order of withdrawal; if a credit union it
would be a share draft. Cheques as
such are associated with chartered
commercial banks, but under Article 3,
and thus in common usage, cheque is
understood to mean any or all of these
negotiable instruments.

Parties to regular cheques generally
include a maker, the depositor writing
a cheque; a drawee, the financial
institution where the cheque can be
presented for payment; and a payee,
the entity to whom the maker issues
the cheque. Ultimately there is also at
least one indorsee which would
typically be the financial institution
servicing the payee's account, or in
some circumstances may be a third
party to whom the payee owes or
wishes to give money.
A payee that accepts a cheque will
typically deposit it in an account at the
payee's bank, and have the bank
process the cheque. In some cases,
the payee will take the cheque to a

branch of the drawee bank, and cash
the cheque there. If a cheque is
refused at the drawee bank (or the
drawee bank returns the cheque to the
bank that it was deposited at) because
there are insufficient funds for the
cheque to clear, it is said that the
cheque has bounced.
When a maker directs the maker's
bank to deduct the funds for the
amount of a cheque from the maker's
account, thus guaranteeing funds will
be available for the cheque to clear,
and the bank indicates this fact by
making a notation on the face of the
cheque (technically called an
acceptance), the instrument is then
referred to as a certified cheque.
và cho vay Séc là 1 tài khoản vãng lai,
nếu là một Tổ chức tín dụng thì …. Như
vậy Séc có liên quan với các ngân
hàng thương mại được Chính phủ cấp
phép, nhưng theo quy định tại Điều 3,
và do đó sử dụng phổ biến, Séc được
hiểu là bất kỳ hoặc tất cả các công cụ
chuyển nhượng.

Các bên đến những tấm Séc thông
thường bao gồm cả người ký phát,
người gửi tiền viết séc, người được ký

phát, tổ chức tài chính là nơi Séc có
thể được xuất trình để thanh toán; và
người thụ hưởng chính là Pháp nhân,
người ký phát phát hành Séc. Cuối
cùng cũng có ít nhất một ngươI được̀
lĩnh Séc thường sẽ là một cơ quan tài
chính là đối tượng quản lý tài khoản
của người thụ hưởng, hoặc trong một
số trường hợp có thể là một bên thứ
ba mà người thụ hưởng nợ tiền hoặc
mong muốn trả tiền cho họ.
Người thụ hưởng chấp nhận tờ Séc
thường sẽ gửi nó trong một tài khoản
tại ngân hàng của người thụ
hưởng(chính họ), và ngân hàng giải
quyết tờ Séc . Trong một số trường
hợp, người thụ hưởng sẽ đưa Séc cho
chi nhánh ngân hàng của người được
ký phát, và lĩnh tiền mặt (của tờ Séc) tại
đó luôn. Nếu một séc bị từ chối tại
ngân hàng của người được ký phát
(hoặc ngân hàng đó trả về ngân hàng
phát hành tờ Séc đó) bởi vì có các tài
khoản không tồn tại, họ nói rằng tờ
Séc không có tiền trong TK.
Khi người ký phát Séc yêu cầu ngân
hàng của người ký phát trừ trực tiếp
vào tài khoản của người ký phát khi trả
tiền Séc, do đó tài khoản bảo đảm sẽ
có hiệu lực cho các Séc để trừ, và

ngân hàng cho thấy thực tế này bằng
một ký hiệu trên mặt của tờ Séc(kỹ
thuật được gọi là acceptance), phương
tiện thanh toán đó được gọi là Séc
được chứng nhận.
- 15-
A cheque used to pay wages due is
referred to as a payroll cheque.
Payroll cheques issued by the military
to soldiers, or by some other
government entities to their
employees, beneficiants, and
creditors, are referred to as warrants.
When a cheque is designed to allow
the person signing it to make an
unconditional payment to someone
else as a result of paying the account
holder for that privilege, it is referred
to as a travelers cheque. As travelers
cheques can usually be replaced if
lost or stolen, they are often used by
people on vacation in place of cash.
The use of credit or debit cards has,
however, rendered them less
important than they previously were;
there are few places that do not
accept credit cards but do travelers
cheques - in fact, nowadays, many
places do not accept the latter.
A cheque sold by a post office or

merchant such as a grocery for
payment by a third party for a
customer is referred to as a money
order or postal order.
A cheque issued by a bank on its own
account for a customer for payment to
a third party is called a cashier's
cheque, a treasurer's cheque or a
bank cheque. A cheque issued by a
bank but drawn on an account with
another bank is a teller's cheque.
In addition to issuing cashier's and
teller's cheques, banks often sell
money orders, and travelers cheques
are usually purchased from banks.
Một tờ Séc được sử dụng để trả lương
nó được gọi là payroll check. Séc để
trả lương ban hành bởi quân đội cho
binh lính, hoặc một số tổ chức chính
phủ khác trả lương cho nhân viên,
người được hưởng lợi Séc và các chủ
nợ, được gọi là bảo đảm.
Khi Séc được thiết kế để cho phép
người ký nó thanh toán vô điều kiện
cho người khác như là một kết quả của
việc trả tiền của chủ tài khoản cho các
đặc quyền đó, nó được gọi là Séc du
lịch. Khi séc du lịch thường có thể
được thay thế nếu bị mất hoặc bị đánh
cắp, loại Séc này được sử dụng bởi

những người đi nghỉ ở nơi có thể đổi
thành tiền mặt. Tuy nhiên, việc sử dụng
thẻ tín dụng hoặc thẻ ghi nợ, nó ít quan
trọng hơn so với trước đây, có những
nơi không chấp nhận thẻ tín dụng
nhưng lại chấp nhận séc du lịch - quả
thực trong thực tế ngày nay nhiều nơi
vẫn không chấp nhận.
Một tờ Séc được bán bởi một bưu điện
hoặc các thương gia như hàng tạp hóa
hoặc cửa hàng để thanh toán bởi một
bên thứ ba cho một khách hàng được
gọi là Ngân phiếu hoặc ngân phiếu bưu
chính phát hành.
Một tờ Séc được phát hành bởi ngân
hàng trên tài khoản riêng của người ký
phát cho một khách hàng để thanh
toán cho bên thứ ba được gọi là Séc
của nhân viên thu ngân, Séc của thủ
quỹ hoặc Séc ngân hàng. Một tờ Séc
phát hành bởi ngân hàng, nhưng được
ký phát trên một tài khoản với ngân
hàng khác là Séc thủ quỹ.
Ngoài việc phát hành Séc thu ngân và
séc thủ quỹ, các ngân hàng cũng
thường bán Ngân phiếu và séc du lịch.
- 16-
Some public assistance programs
such as the Special Supplemental
Nutrition Program for Women. Infants

and Children, or Aid to Families with
Dependent Children make vouchers
available to their beneficiaries, which
are good up to a certain monetary
amount for purchase of grocery items
deemed eligible under the particular
program. The voucher can be
deposited like any other cheque by a
participating supermarket or other
approved business.
Một số chương trình hỗ trợ công cộng
như Chương trình bổ sung dinh dưỡng
đặc biệt(SNAP) cho phụ nữ. Trẻ sơ
sinh và trẻ em, hoặc chương trình
AFDC làm voucher có sẵn cho những
người hưởng lợi của chương trình, đó
là lên đến một số lượng tiền tệ nhất
định để mua các mặt hàng tạp hóa
được coi là đủ điều kiện theo chương
trình cụ thể. Voucher có thể được gửi
như bất kỳ tờ Séc nào khác bởi một
siêu thị tham gia hoặc doanh nghiệp
được chấp thuận khác.
IV. Vocabulary
1. Insert the correct phrases into the appropriate spaces in the passage below.
In direct credit
By direct debit
In credit
In payment
In preference to

In return
Until further notice
Transferring into an account directly from another account
Automatic payment by a bank of regular payments to e.g. an insurance company, etc.
An account is in credit when you have money in the bank
Please accept this cheque in payment
I like to use cheques in preference to cash; it's safer.
You pay some of your salary into a deposit account, and in return you get some interest.
Until the instructions are changed
- 17-
Most people nowadays accept cheques (1) in payment of bills and debts. They accept cheques
from creditors (2) In preference to cash because it is safer, especially with the crossed
cheques system, and (3) in return they write cheques to their creditors. In addition, many
people now have their salaries paid (4) In direct credit into their account.
If your account is (5)in credit. you can pay your bills by cheque at any time. Furthermore, you
can pay regular monthly or quarterly (3 month) bills, such as insurance premiums (6) until
further notice .The bank will do this for you for a small charge, and you can instruct your bank
to continue these regular payments,(7) by direct debit .usually until the debt is paid.
2. Insert the correct phrases in the appropriate space in the passage below
balance cash Cheque book Counterfoil Credit slip
Crossed Drawer Interest Notice Overdraft
Payee Payments Receipts Statement withdraw
Checking account in debit
The big advantage of a current account is that you have a (1) Cheque book and you can
pay your bills, by cheque. You don't have the risk of carrying (2) cash . around with you.
The advantage of a deposit account is that your money earns (3) Interest . , although the rate
is usually not very high.
You can (4) withdraw .money from your current account at any time, but with a deposit account
you must usually give seven days'(5) notice
If you want to make payment to creditors you write their name on the cheque and sign it. Your

creditor is described as the (6).payee and you are described as the (7) drawer You can find
out how much you have in the bank by requesting a regular (8) statement All transactions are
included in this, both (9) and / or debits and credits respectively. If your payments are greater
than your receipts your account is overdrawn. You need the permission of your bank manger to
have an (10) receipt in this way.
It is advisable to keep a record of all our payments on the (11)credit slip of your cheque book. If
your credit entries (or receipts) are not paid by direct credit you should bring the cash, cheque
or money order with you and fill in a (12)counterfoil .also called a paying-in slip if it is from your
paying-in book.
If you send a cheque through the post, it must be a (13) crossed .cheque to make sure that it
cannot be cased by a dishonest person. Sometimes it is necessary to write "Account Payee
Only" between the crossed lines.
Finally, with a current account you should occasionally ask your branch how much you have in
your account. This account is called the (14) balanced. which is the difference between your
payments and receipts.
V. Exercises
1. Write a letter to the branch of a bank in Central London
- 18 18 -
You wish to open a current account to enable you to pay the expenses of agents and
representatives. You will make monthly payments into the account from your own bank branch;
and other remittances, such as money orders and postal orders, will be paid into it. Include any
other credit and debit entries you think necessary.
Dear Sir/ Madam,
I wish to open a current account to enable me to pay the expenses of agents and
representatives.
I will make monthly payments into the account from my own bank branch; and other
remittances, such as money orders and postal orders, will be paid into it.
I will also include other credit and debit entries I think necessary, such as customer’s
accounts receivable, insurance premiums, power payments, etc.
I look forward to hearing from you soon

Yours faithfully.
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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 2012
Mr. Peters Brown
Family Marketing company
43 Nguyen Thi Minh Khai
District 1
Ho Chi Minh city
Dear Sir or Madam → faithfully
I am writing to you in asking you to pay a bill of VND 300,000 (three hundred thousand dong)
for our magazine subscription.
I would like to pay by check to our account. The address of our bank is ………………………….
and the name of the payee is …………… From your residental place, you can
contact……………………
I would like to pay by check to our account. The address of our bank is …………………………. and the name of
the payee is …………… You are living in District 7, so you can contact …………………… I think it is more
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 115 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 Le Loi street
District 1
Ho Chi Minh city
17 September 2012
Mr John Wayness
142 Road 1
London
Dear John, → sincerely
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I am writing to you in requesting information on how to pay a sum of $ US 115 (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 account in London.
We have got your account number, however, please give us your confirmation.
We suggest this, but there are various alternatives as well. You can let us know which way is the
most convenient for you.
I look forward to hearing from you soon.
Yours sincerely,

Miss Betty Douglas
Secretary.
Unit 3: Travellers’ Cheques
I. Travellers’ Cheques
Definition
A traveler's cheque is a preprinted, fixed-amount cheque designed to allow the person signing it to make an
unconditional payment to someone else as a result of having paid the issuer (usually a bank) for that privilege.
As traveler's cheques can usually be replaced if lost or stolen, they are often used by people on vacation in
place of cash. The use of credit card has, however, rendered them less important than they previously were;
there are few places that do not accept credit cards but do traveler's cheques - in fact, nowadays, many places

do not accept the latter.
Traveler's cheques are available in several currencies such as U.S. dollars. Pound Sterling, Japanese Yen,
and Euro; denominations usually being 20, 50, or 100 of whatever currency, and are usually sold in pads of
five or ten cheques, e.g., 5 x €20 for €100. 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 "commiss free" to their customers. The commission, where it is charged, is usually 1% of the total fac
value sold. The largest volume issuer of traveler's cheques is American Express, the first to develop the
product in the late 19th century.
Legal terms for the parties to a traveler's cheque are the obligor or issuer, the organization that produces it;
the agent, the bank or other place that sells it; the purchaser, the natural person who buys it, and the payee,
the entity to whom the purchaser writes the cheque for goods and/or services. For purposes of clearance, the
obligor is both maker and drawee.
Use and acceptance
Upon obtaining custody of a purchased supply of traveler's cheques, the purchaser should immediately write
his signature once upon each cheque, usually on the cheque's upper portion. The purchaser will also have
received a receipt and some other documentation that should be kept in a safe place other than where he
carries his cheques.
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When wanting to cash a traveler's cheque while making a purchase, the purchaser should, in the presence of
the payee, date and countersign the cheque in the indicated space, usually on the cheque's lower portion (if at
a restaurant, it may be helpful to ask the waitperson to watch and wait for this to be done).
Applicable change for a purchase transaction should be given in local currency as if the cheques were
banknotes.
Security concerns
It is a reasonable security procedure for the payee to ask to inspect the purchaser's picture i.d.; a driving
licence or passport should suffice, and doing so would most usefully be towards the end of comparing the
purchaser's signature on the i.d. with those on the cheque. The best first step, however, that can be taken by
any payee who has concerns about the validity of any traveler's cheque, is to contact the issuer directly; a
negative finding by a third-party check verification service based on an i.d. check may merely indicate that the

service has no record about the purchaser (to be expected, practically by definition, of many travelers), or at
worst that he has been deemed incompetent to manage a personal checking account (which would have no
bearing on the validity of a traveler's cheque).
Deposit and settlement
A payee receiving a traveler's cheque should follow its normal procedures with it for depositing checks into its
bank account: usually, endorsement by stamp or signature and listing of the cheque and its amount on the
deposit slip. The bank account will be credited with the amount of the cheque as with any other negotiable
item submitted for clearance.
In the United States, if the payee is equipped to process checks electronically at point of sale, they should still
take custody of the cheque and submit it to a financial institution, particularly to avoid any confusion on the
part of the purchaser.
Loss or theft
Loss or theft of traveler's cheques should be reported immediately to the issuer and to the local police
authority. The receipt issued when the cheques were purchased will expedite the refund process.
Remind you
Things to look out for when buying travellers' cheques are the commission charged and the exchange rate.
High street banks charge between 1% and 2%, with minimum charges £2.50 and £4, but commission can be
as high as 6%. You can save money by ordering them online. Nationwide charges no commission on online
orders, but levies a delivery charge of £3.50. Thomas Cook also accepts online orders.
Bear in mind you will also be charged commission when you cash the cheques, although it is difficult to predict
how much as it varies from country to country and outlet to outlet. In the UK, commission can be as high as
6%. Some overseas currency exchange outlets don't chargi commission but offer a lower rate of exchange.
Try and buy your cheques from a retailer who will cash any unused cheques free of charge. Ii you buy them
from your bank, check if you can pay them into your account for free.
Where you are heading for will determine the currency your travellers' cheques should be in, but buying them
in sterling is often the best option as it will be cheaper for you to cash any leftover cheques back when you
return to the UK. However, euro travellers' cheques can be a good idea for use within the European union.
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If you are heading to remote areas or to developing countries, the currency exchange clerks may shake their
heads at sterling travellers' cheques. US dollar cheques are a safer bet, especially in areas like South

America, so do check before you travel.
II. Illustrations
Visa Travellers Cheques
Like a Visa card, Visa Travellers Cheques make excellent traveling companions. The cheque are accepted at
millions of financial institutions and merchants around the world and are ~ issued in the most popular
currencies, including U.S. Dollars, Pound Sterling, euro, Japanese Yen, and Canadian Dollars. In the U.S. they
can be used as cash at retail locations, hotels and restaurants. Outside the U.S. they are usually exchanged
for local currency at banks and foreign exchange bureaus, although, in some countries, large retailers and
hotels may accept them as payment of goods or services. To find out where you can cash your Visa Travellers
Cheques, log onto www.cashmycheques.com , or call the relevant toll-free number listed on this site.
As an added convenience, Dual-Signature Visa Travellers Cheques are available at selected locations. These
are cheques that carry the signatures of two persons as original holders, but can be used independently by
either of the holders.
So the next time you travel, ask your financial institution for Visa Travellers Cheques. They'] safe, secure,
accepted around the world, and you can easily get a refund if your cheques are lost or stolen. Note that you
are expected to safeguard, without negligence, all cheques as a prudent person would safeguard a like
amount of cash. Certain restrictions apply which are contained within the purchase agreement.
Where can I get Visa Travellers’ Cheques?
You can purchase Visa Travellers Cheques at thousands of financial institutions and other locations around the
world. To find the location nearest you. call the Visa Travellers Cheque Global Refund and Assistance Centre
(numbers listed below).
What do I do if my Visa Travellers’ Cheques are lost or stolen?
Call the Visa Travellers Cheque Global Refund and Assistance Centre. If you're traveling in the United States,
Canada, Puerto Rico, or the U.S. Virgin Islands, call toll-free 1-800-227-6811.
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 what's more,

for Advantage Premier, Advantage Gold, Student and Graduate customers, it's FEE-FREE!
Key benefits
* Security of travellers cheques with the convenience of a card
* Prepaid and reloadable - no reload charges and funds never expire*
* Balance returned if lost or stolen, usually within 24 hours
* Accepted at millions of shops, restaurants and ATMs (where the American Express logo is displayed)
worldwide.** Use the ATM locator to find them.
* 24/7 customer service and Travellers Cheque Card Replacement
* Free Passport and Credit/Debit Card Replacement Assistance
* Order up to 4 Cards so family and friends can carry money safely too
* Available in euro or US dollar
In the UK, the American Express Travellers Cheque Card is issued by American Express Bank Ltd. ("the
Bank"). The Bank is authorised and regulated by the Financial Services Authority ("FSA"). The Bank is entered
in the FSA's Register and its Register number is 124583. 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
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Ltd., 60 Buckingham Palace Road, London, SW1W 0RR (No.FC1863, BR301). Incorporated with Limited
Liability in the State of Connecticut, USA and registered with the Secretary of State, Hartford, Connecticut,
USA with its head office in New York, USA.
You can appl y

for Travellers Chueqiies on line b y

using Acrobat Reader to fullfil the form
Remember
*After 3 years, when the card expires, you can either redeem any remaining funds or transft them to a new
Travellers Cheque Card.
** You can use the card to pay for car rental or hotel rooms. The card cannot be used to reserve or pick up a
car at a car rental location. Nor can it be used to reserve a room or checl into a hotel or motel location;
however, you can use your card to pay for a car rental or hotel room at the end of your rental or stay.

* * * Calls may be recorded. Lines open 9am-8pm weekdays and 9am-6pm weekends. The maximum call
charge from a BT landline is 3p per minute. Calls from other networks may vary. View full terms and
conditions.
Travellers cheques availabl
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eAustralian dollars: A$20, A$50, AS 100, AS200 . .
Canadian dollars: C$20, C$50, C$100, C$500
Euros: €50, €100,_€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; SF500-
UKpounds:£20,£50,£100,£200,£500
US dollars: US$20, US$50, US$100, US$500, US$1000
III. Vocabulary
TEST – Date: 26 October
Name: ……………………………… DOB: ………POB: ……………….

PART 1: Insert the correct words or phrases in the passage below and then translate it into
Vietnamese: (30 minutes)
Check Current Draw
commission Denominations Endorse
Guarantee
Participate
Rate of exchange
Subject to
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