#Person1#: Which service offered by your bank do you use most? 
#Person2#: I use several services. Of course, I deposit and withdraw money quite often. I often use my ATM card to take money out of my current account. I use my bank to exchange money from once currency to another. I often travel abroad, you see. 
#Person1#: Do you ever ask you bank for traveller's cheques? They are much safer than carrying lots of cash around. 
#Person2#: I sometimes use traveller's cheques, but sometimes I travel to countries where they are hard to exchange for cash. 
#Person1#: Do you use your bank to pay your utility bills? I use direct debit. 
#Person2#: Yes, I do. It save me a lot of time. I also have standing orders for my subscriptions to magazines. 
#Person1#: That's good idea. You don't need to worry about missing an issue of a magazine if you do that. I suppose you have a mortgage too. 
#Person2#: Yes. My bank offers very good terms and conditions on mortgage. There's a lot of competition between banks nowadays. Each one is trying to offer better conditions and services than the others. 
#Person1#: I have a deposit account with my bank. There are some restrictions on withdrawing money, but the interest rate is much higher. 
#Person2#: I don't have one. I prefer to buy shares. My bank also provides a share trading service. It's cheap and easy to use. 
#Person1#: That's great. But I prefer to put my money somewhere where the returns are more certain. 
#Person2# talks about the bank services #Person2# usually uses. Then #Person1# and #Person2# discuss the usages of direct debit in their life. #Person1# also has a deposit account but #Person2# prefers to buy shares.
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