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2021银行校园招聘每日一练1.21(二)
Our rates on certificate of deposits are among the best in the industry. The rate may vary on day-to-day basis. For CD’s of above $250,000.00, the interest is simple i.e. not compound; therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.
Maturity Period: Flexible to your needs.
You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no graee period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.
Minimum Amount: Easy to Start
The minimum amount accepted is USD 2000
Other Features:
1. According to the passage, which of the following is NOT true about Star CD?( )
A. The minimum amount to invest is USD 2000.
B. You may choose any maturity date as you wish.
C. The rates on certificate of deposits may vary day to day.
D. Separate certificates of deposits will be issued for additional deposits.
【答案】B。选非题。B选项，由“You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. “可知选择到期日由时间范围7天-1年而非任意选择，B选项错误。A选项，由”The minimum amount accepted is USD 2000”可知A选项正确; C选项，由“The rate may vary on day-to-day basis.”可知利率会每日有所变动，C选项正确;D选项，由“Additional amounts deposited into an account will be treated as fresh deposits & separate certificate of deposits will be issued for such deposits”可知额外的存款会有单独的存款证明，D选项正确。B选项符合题意。ACD不合题意。故本题应选B。
2.FDIC Insurance Up to $100,000
2.Facility to Open Joint & Corporate Accounts
Additional Deposits:
Additional amounts deposited into an account will be treated as fresh deposits & separate certificate of deposits will be issued for such deposits
Early Withdrawal:
Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is on other penalty or charge on early withdrawal.
3. For deposit running for more than 30 days, early withdrawal may be ( ), ( ) penalty or charge.
A. allowed, without
B. banned, with
C. allowed, with
D. banned, without
【答案】C。细节题。本题主要涉及“early withdrawal”提前取现问题。由“Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion.”“However, no interest shall be paid on the deposit which runs for less than 30 days. There is on other penalty or charge on early withdrawal.”可知提前取现是允许的，但是会有相应的处罚和收费。C选项符合题意，ABD选项错误。故本题应选C。
4. Bank of India CDs are safe because ( ).
A. CD is a safe instrument.
B. Bank of India is safe.
C. CD is insured.
D. All of the above.
【答案】A。本文主要强调的是CDs安全性高的原因在于这个金融产品本身的设计特点。所以原因在于CD是安全的交易工具，与国别无关。A选项符合题意，BCD选项错误。故本题应选A。
5. The CDs’ annual percentage yield is ( ) annual interest rate.
A. more than
B. less than
C. the same as
D. not comparable with
【答案】C。细节题。原文“annual percentage yield is same as annual interest rate”可知C选项正确，ABD选项错误。故本题应选C。
3. Which of the following statements is true?( )
A. CD is automatically renewed for the same period unless having other instruction.
B. CD isn’t automatically renewed for the same period at the ruling rate of interest on the date of renewal.
C. CD is automatically renewed for the same period without any other instruction.
D. CD is automatically renewed for the same period with permission of the bank manager.
【答案】C。细节题。选项中描述的都是“automatically renewed”即自动续期问题，原文中“Your CD is automatically renewed for the same period in absence of any other instruction”说明无任何附加条件即可自动续期，可知C选项符合题意，ABD选项错误。故本题应选C。
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