Họ và tên: Đỗ Thùy Trang

Lớp K55N1
MID-TERM TEST
THƯ TÍN THƯƠNG MẠI
Câu 1 (2 điểm): What is the difference between current accounts and deposit accounts?

Deposit account:  a bank account in which people keep money that they want to save.
Current account: a bank account from which a person can make money by writing checks.  
Some differences between current accounts and deposit accounts.
+ Meaning: A deposit account is a deposit account that allows limited transactions, while a
Current Account is meant for daily transactions.
+ Suitability: A deposit account is most suitable for people who are salaried employees or have
a monthly income, whereas, Current Accounts work best for traders and entrepreneurs who need
to access their accounts frequently.
+ Interest: Deposite accounts earn interest at a rate of around 4%, while there is no such earning
from a Current Account. A Current Account is actually a no interest-bearing deposit account.
+ Overdrawing: When you withdraw more money from the account, than is actually there, then
your account is said to be overdrawn. In the case of a deposit account, banks neither offer nor
allow overdraft facilities, whereas, this facility is provided with a Current Account.
+ Minimum balance: The minimum balance required to maintain a deposit account is usually
low, but for a Current Account it is much higher in comparison.
Câu 2 (8 điểm):
2.1.
Peter Crane
Director
F.lynch & Co.Ltd
Nesson House, Newell Stree
Birmingham B3 3 EL
Dear Mr Peter Crane,
Thank you for your enquiry in which you expressed an interest in retailing a selection of our
designs displayed on our stand at the Hamburg Menswear Exhibition last month.
Please find enclosed our current catalogue and price list. You might also be interested in visiting
our website.
In response to your request for a 20% trade discount, we regret that we cannot offer more than
15%. However, we do give a 5% quantity discount on orders over €20,000. In comparison with
similar companies in the UK, these terms are extremely competitive. Payment would need to be
by sight draft until we have established a business relationship.
Finally, we are confident that we can deliver well within the 30-day time limit you require.
Thank you for your interest.
We hope to hear from you soon.
Yours sincerely
Santex S.p.A
Sales Manager
2.2.
Mr Peter Lane
New Potteries Ltd
Great Portland Street
London W1N6LL

Dear Mr Peter Lane,

Please find attached an order (W1N6LL) from your principal, New Potteries Ltd, Great Portland
Street, London.
They have asked us to instruct you that the 100 sets of crates ordered should be packed in 10
crates, 10 sets per with each piece individually wrapped, and the crates are marked clearly with
their name, the words ‘fragile’ and ‘crockery’, and numbered 1-10.
They have agreed to pay by a letter of credit, which was discussed on the phone last week, and
they would like delivery before the end of this month, which should be no problem as they are
regularly delivered by road to avoid constant handling of this fragile consignment.
If the colours they have chosen are not in stock, they will accept an alternative provided the
designs stipulated on the order.
Please send any further correspondence relating to shipment or payment direct to Peter Lane.
I look forward to receiving your acknowledgement confirmation.
Yours sincerely
Keith Bellon