COVER LETTER

ANH HUYNH
( Huynh Thi Quynh Anh)
No. 32, Ton That Thuyet Street, Ward 16, District 4, HCMC
Phone: +84 906 876 917
Quynhanhhuynh305@gmail.com

February 23, 2017

Human Resources Department
VIB Bank
128 Dinh Tien Hoang Street, Ward 2, Binh Thanh District, HCMC

Dear Sir/Madam,

I would like to propose my candidacy for the position of bank teller at VIB Bank, Dinh Tien Hoang Branch,
as I have read in a recruitment advertisement on Ybox (http://www.ybox.vn) on 10 Feb 2017.
As I graduated with an MA degree in accounting from Banking University, becoming an accountant in an
energetic working environment in VIB Bank would offer me a great opportunity to further my banking
career. I am certain I would make a valuable addition to your organization.
Possessing more than 2 years of experience as a Bank Teller at ACB Bank, I have gained an extensive
insight within this field. My key accounting and financial competencies include maintaining financial
records, managing budgets, risk assessments and business strategy reviews, overseeing and mentoring
junior tellers and new employees, preparing closing reports on daily, weekly, monthly, and quarterly basis.
During the course of my career, besides affording myself with a well-rounded skills set, including
outstanding interpersonal and communication skills, I have gained a specialists understanding of financial
instruments and accounting software and have also been effective in explaining complex information in a
comprehensible manner.

I consider myself to be an extremely precise and responsible person who always exerts optimal effort to
ensure all tasks given to me are completed on time and to the highest standards.

Please review my attached resume for additional details regarding my expertise and career achievements. I
will follow up to request an appointment to discuss how my experience and background meet your needs.

Thank you for the time you have taken to consider my application, and I eagerly look forward to hearing
from you.

Yours faithfully,

Huynh Thi Quynh Anh

 MEMO

SergoCo

From: Jean Martin

Memo to: all sales staff
SUBJECT: New guidelines for business travel expenses
Following our investigation into business travel expenses, we are introducing the following new guidelines
for business travel expenses:

1
2

any claims made after this period would be refused and beared by the person in charge.
for long journeys out of Europe, staff can use business class if approved by the manager.

Thank you in advance for your co-operation.

Jean Martin
Finance Director

COMPLAINT

Dear Sir/ Madam

I am writing to complain about the service in your local branch.

I visited (at) branch of your bank on this Tuesday (23rd/May/2017) to pay the bill for my Internet
account. As usual I had to wait fifteen minutes just to get to some service from your counter staff. They all
seemed more interested in discussing their weekend plans than serving customers.

I arranged to transfer ~126 to the Internet companys account by direct transfer. However, this morning I
received a letter from the company telling me that the pill had still not been paid. As a result, they will stop
my services unless I pay the bill plus ~30 penalty charges.

I would like to know what you propose to do to correct the mistake made by your assistant. As a minimum,
I think you should pay me for the charges I must now pay the Internet company because of your mistake.

I look forward to hearing from you.

Yours faithfully,

Lucy Galloway
 REP COMPLAINT

1. use the subject box to say why you are writing

Re: current account payments

2. acknowledge the customers letter

Thank you for your email regarding the overcharging on your current account

3. apologize for the mistake / error

We would like to apologize for the error

4. explain how it happened

The problem was due to a computer mistake in recording the date of the salary payments

5. tell them what you are doing to correct the situation

We have now taken steps to correct the software system to make sure it cannot happen again

6. explain how you have corrected the problem and offer some compensation

The money has now been returned to your account and we would like to offer you ~30 as a
compensation for the mistake and the inconvenience you have suffered.

7. make a second apology

Once again, please accept my apologies on behalf of the bank.

8. close the email formally

Yours sincerely,

Non-payment
Our ref: Invoice no. FG/647/10

Dear Mr Sanchez,

I am writing with reference to invoice number FG/647/10 for $50000. We note from our accounts that the
invoice has still not been paid. Given your previous record of prompt payment, we were surprised at this
delay. We appreciate that this delay may be due to a mistake at the bank or in your payment system. In any
case, please could you look into the problem and inform us of the reason for the delay. We would appreciate
it if you could give this matter immediate attention and send us the payment by bank transfer.

Please find attached a copy of the original invoice for your reference.

We look forward to hearing from you soon.

Best regards,

J. Martin

Credit Control Manager

Graph
The graph illustrates the turnover of OMO over the period of 20 years. In 1997, the revenue stood only at 5
million US$. But with the launch of OMOs Dirt is good campaign, the brands market share and image
were significantly improved. Image indicators such as conviction, advantage, performance, relevance, and
presence all showed continuous improvement. As a result, OMOs revenue increased steadily to 15 million
US$ in 2005. Unfortunately, OMO could not keep the trend longer due to the impact of the economic crisis.
Therefore, its revenue fell slightly and hit a low at 15 million US$ in 2009. Unexpectedly, within only a
year, OMO had dramatically managed to gain back its position on the market when its revenue reached a
new peak of US$ 16 million in 2010. However, since then, OMO's revenue has fallen subsequently due to
heavy competition with other big laundry brands such as Tide, Ariel, Alba, etc. But, laundry analysts expect
they will surge to new highs in a two-year's time thanks to their "Cleaner Planet Plan" on reducing water
and energy consumption.

Level off: tr nn n nh sau khi bin ng = flat = even = stop going up or down
Plunge: to fall or drop suddenly
Surge: to suddenly increase to an unusually high level
Rocket
Reach a new peak
Fluctuate wildly
Hit a low
Recover

*At the start of the year 2000, umemployment stood at only 6%. Over the next two years it decreased
steadily to 5% in 2002. But following the stock market crash, unemployment rose again, back to 5.5% in
2003. Over the next three years, as the economy improved, unemployment fell to a new low of 4.5% in
2006. But with the start of the financial crisis, it rose dramatically to 6% in 2008 and then it hit a peak of
8% at the beginning of 2010. Since then it has begun to fall slightly.

Moving on to interest rates. As you may remember in the year 2000, interest rates were at a high of 5.5%.
Over the next there years, with the collapse of the Internet boom, rates fell sharply to only 3.5% in 2003.
Then, as the economy began to recover, rates increased sharply from 3.5% to 5.5% in 2007. But, following
the financial crash, the Bank of England cut rates dramatically to stimulate growth. They dropped sharply
to 2% in 2008 and then they reached a new record low of 0.75% in early 2009. Fortunately, this helped the
economy to recover from the crisis.

Finally, that brings me to the question of inflation. At the beginning of the year, inflation increased sharply
from 1.8% in January to 2.4$ in March. It then remained unchanged at this level for one month. After that,
inflation began to fall to reach 2% in May. The fall continued for the next two months to a low of 1.6% in
July. But with higher food prices in the summer, inflation went up sharply. In August, it rose to 2.4% and
then in October to 3%. After that, the situation began to improve and inflation decreased steadily to reach
2.2% at the end of the year.

So overall, the recent data demonstrates that, with interest rates at record lows and unemployment falling,
the UK economy now represents an attractive place for long-term investment.
AUDITING
 REPORT

To trc from sau

a. Labour costs:

. A worker in the UK can cost up to $30 per hour, whereas a worker in China costs only $2 per hour.

b. Recommendation:

Having considered the different options, we have concluded that we are in favour of investing in the
UK.

This is because of the following reasons:

First, training cost as well as training time for new workers in the UK will be lower than that in China.
Therefore, the factory in the uK will be in operation sooner. Second, because of the low defect levels (2
per 100), we would not have to waste much money on faulty products.
 Morning briefing
Reuters today announced a ban on petrol-driven cars

This will have a significant impact on share prices this morning.

Positive effects

On the one hand, this will probably lead to an increase in the demand for electric vehicles.

Equally, this will probably result in an increase in the share price of car battery manufacturers.

Negative effects

On the other hand, this will certainly lead to a decrease in the profits of big supermarkets in city centres.

At the same time, this will result in a decrease in the sales of petrol car manufacturers.

Conclusion/ Recommendation

As a result, we believe we should buy shares of car battery manufacturers, and we should sell the shares
of supermarkets, the shares of petrol car manufacturers.

Ban Chinese toys decrease in profits of Chinese toy importers a decrease in the share price of
Chinese toy importers.

buy the shares of VN toys manufacturers/ Western toys importers

sell the shares of Chinese toys importers.