• balance – n. the difference between credits and debits in an account BILANS
• bank charges – n. money paid to a bank for the bank’s services etc Usluge koje banka naplaćuje
• branch – n. local office or bureau of a bank, filijala, ekspozitura
• checkbook (US) – n. book containing detachable checks; chequebookUK čekovna knjižica
• check (US) – n. written order to a bank to pay the stated sum from one’s account; chequeUK ček
• credit – n. money in a bank a/c; sum added to a bank a/c; money lent by a bank – also v. novac u banci,kredit
• credit card – n. (plastic) card from a bank authorising the purchasing of goods on credit kreditna kartica
• current account – n. bank a/c from which money may be drawn at any time; checking accountUS
• debit – n. a sum deducted from a bank account, as for a cheque – also v.
• deposit account – n. bank a/c on which interest is paid; savings accountUS
• fill in (UK) – v. to add written information to a document to make it complete; to fill outUS
• interest – n. money paid for the use of money lent – interest rate n.
• loan – n. money lent by a bank etc and that must be repaid with interest – also v.
• overdraft – n. deficit in a bank account caused by withdrawing more money than is paid in
• pay in – v. [paid, paid] to deposit or put money in to a bank account
• payee – n. person to whom money is paid
• paying-in slip – n. small document recording money that you pay in to a bank account
• standing order – n. an instruction to a bank to make regular payments
• statement – n. a record of transactions in a bank account
• withdraw – v. [-drew, -drawn] to take money out of a bank account – withdrawal n.

• Accounts Dept. – n. department responsible for administering a company’s financial affairs
• A.G.M. (UK) – abbr. Annual General Meeting of a company’s shareholders
• board of directors – n. group of people chosen to establish policy for and control a company
• chairman (UK) – n. person who heads a Board of Directors; head of a company; chairperson
• director – n. a member of the board of director
• executive officer (US) – n. person managing the affairs of a corporation – chief executive officer n.
• headquarters – n. a company’s principal or main office or centre of control
• manager – n. person responsible for day-to-day running of a dept.; executive officerUS
• managing director (UK) – n. senior director after the chairman responsible for day-to-day direction
• Marketing Dept. – n. department that puts goods on market, inc. packaging, advertising etc
• organisation chart – n. a table or plan showing a company’s structure graphically
• Personnel Dept. – n. department responsible for recruitment and welfare of staff or employees
• president (US) – n. the highest executive officer of a company; head of a company
• Production Dept. – n. department responsible for physical creation of product

• agreement – n. an arrangement between two or more people, countries etc; contract
• appendix – n. additional or supplementary material at end of contract, book etc
• arbitration – n. settlement of a dispute by a person chosen by both parties – to arbitrate v.
• article – n. a particular statement or stipulation in a contract etc; clause
• clause – n. a particular statement or stipulation in a contract etc; article
• condition – n. anything necessary before the performance of something else
• force majeure – n. superior, power; unforeseeable event excusing one party from fulfilling contract
• fulfil – v: to satisfy a condition; to complete the required task; to fulfillUS
• herein – adv: in here; in this (document etc)
• hereinafter – adv: in the following part (of this document etc)
• hereto – adv: to this (document etc) [eg: attached hereto]
• heretofore – adv: up until now; until the present; before this
• in behalf of – in the interests of (person etc); for (person etc); on behalf of (UK)
• null and void – invalid; without legal force; not binding
• on the one hand – on one side – on the other hand on the other side

• bill of lading – n. list of goods and shipping instructions; waybill
• c.& f. – abbr. cost & freight: includes shipping to named port but not insurance
• c.i.f. – abbr. cost, insurance & freight: includes insurance and shipping to named port
• cargo – n. goods or products that are being transported or shipped
• certificate of origin – n. a document that shows where goods come from
• container – n. huge box to hold goods for transport – container port n. to containerise v.
• customs – n. 1 government tax or duty on imported goods 2 officials who collect this tax
• declare – v. to make a statement of taxable goods – customs declaration form n.
• f.a.s. – abbr. free alongside ship [includes delivery to quayside but not loading]
• f.o.b. – abbr. free on board: includes loading onto ship
• freight – n. goods being transported; cargo
• irrevocable – adj. that cannot be undone; unalterable – irrevocable letter of credit n.
• letter of credit – n. a letter from a bank authorising a person to draw money from another bank
• merchandise – n. things bought and sold; commodities; wares – also v.
• packing list – n. a document that is sent with goods to show that they have been checked

• actuary – n. a person who calculates risks for insurance companies
• assessor – n. a person who calculates the value of something [eg: a building, car etc]
• claim – n. an application for payment under an insurance policy – to make a claim v.
• comprehensive – n. [of an insurance policy] all-inclusive; providing complete protection
• consequential loss – n. a loss that happens as a consequence of or as a result of another
• cover (UK) – n. the protection given by an insurance policy [eg: public liability cover]
• employer’s liability – n. liability or responsibility of a firm for damage caused to one of its employees
• goods in transit – n. property, merchandise or any goods in the process of being transported
• insurance broker – n. agent who arranges insurance; middleman between insurer & policyholder
• liability – n. 1 the state of being liable 2 anything for which a person is liable
• liable – adj. legally obliged to pay for damage, injury etc; responsible – liability n.
• loss – n. death, injury, damage etc that is the basis for a claim – to lose v.
• loss adjuster – n. a person who assesses the amount of compensation arising from a claim
• policy – n. a contract of insurance [eg: a product liability policy]
• policyholder – n. the person to whom an insurance policy is issued
• premium – n. a payment, usually monthly, yearly etc, for an insurance policy
• product liability – n. liability or responsibility of a firm for damage caused by one of its products
• public liability – n. responsibility of a firm for damage caused to a member of the public
• reinsurance – n. the insuring of risk by one insurance company with another – to reinsure v.
• risk – n. 1 chance or possibility of injury, loss etc 2 person or thing causing risk

• attorney – n. 1 a person appointed to act for or represent another 2US lawyer
• barrister (UK) – n. a lawyer who pleads before a superior court
• brief – n. 1 (UK) instructions to a barrister – also v. 2 (US) written statement of facts
• case – n. statement of the facts in a trial, esp. the argument of one side
• contract – n. a formal agreement, usually in writing, between two or more parties
• ourt of law – n. the place where law cases are hear and decided; court – courtroom n.
• evidence – n. information presented to a court to prove or support a point in question
• guilty – adj. responsible for wrong; culpable – guilt n. not guilty adj.
• judge – n. official with authority to hear and decide cases in a court of law – also v.
• jury – n. a group of people chosen to hear the evidence of a case and give a decision
• lawsuit – n. a trial at court between two private parties
• lawyer – n. a person trained in law and who advises or represents others
• plead – v. 1 to defend a law case, 2 to declare oneself to be guilty or not guilty – plea n.
• sentence – n. 1 decision of a court, esp. as to the punishment, 2 the punishment – also v.
• solicitor – n. 1 (UK) lawyer advising clients & briefing barristers, 2 (US) law officer for a city etc

• brand – n. a particular make of product – to brand v. – branded adj.
• consumer – n. the person who buys and uses a product or service – to consume v.
• cost – v. [cost, costed, costed] to estimate the price of making a product – costing n.
• develop – v. to create a new product or improve an existing one – product development n.
• distribution – n. the delivering of products to end-users, inc. advertising, storing etc
• end–user – n. the person, customer etc who is the ultimate (and so real) user of a product
• image – n. the concept or perception of a firm or product held by the general public
• label – n. small piece of paper, metal etc on a product giving information about it
• launch – v. to introduce a new product, with publicity etc – product launch n.
• mail order – n. the selling of goods by post – mail-order catalogue n.
• market research – n. study of consumers’ needs & preferences, often for a particular product
• packaging (UK) – n. the wrapping or container for a product
• point of sale – n. the place where a product is actually sold to the public – point-of-sale adj.
• product – n. something made to be sold; merchandise [includes services] – to produce v.
• public relations – n. creation and maintenance of a good public image – public relations officer n.
• registered – adj. registered or officially recorded as a trademark – ® abbr. – to register v.
• sponsor – n. firm supporting an organisation in return for advertising space – also v.
• S.W.O.T. – abbr. Strength, Weaknesses, Opportunities, Threats
• total product – n. the whole product, inc. name, packaging, instructions, reliability, after-sales etc
• trademark – n. special symbol, design, word etc used to represent a product or firm – ” abbr.

• A.G.M. – abbr. Annual General Meeting
• A.O.B. – abbr. Any Other Business [usually the last item on an agenda]
• absent – adj. not here; not at the meeting; not present
• agenda – n. a written programme or schedule for a meeting
• apologies – n. item on agenda announcing people who are absent; apologies for absence
• ballot – n. a type of vote, usually in writing and usually secret- secret ballot n.
• casting vote – n. a deciding vote (usually by the chairman) when the votes are otherwise equal
• chairman – n. the person who leads or presides at a meeting; chairperson; chair
• conference – n. formal meeting for discussion, esp. a regular one held by an organisation
• conference call – n. telephone call between three or more people in different locations
• consensus – n. general agreement
• decision – n. a conclusion or resolution to do something – to decide v.
• item – n. a separate point for discussion [as listed on an agenda]
• matters arising – n. item on agenda for discussion of what has happened as a result of last meeting
• minutes – n. a written record of everything said at a meeting
• proxy vote – n. a vote cast by one person for or in place of another
• show of hands – n. raised hands to express an opinion in a vote
• unanimous – adj. in complete agreement; united in opinion
• videoconference – n. conference of people in different locations linked by satellite, TV etc
• vote – v. to express opinion in a group by voice or hand etc – also n. – to cast a vote v

• after-sales service – n. service that continues after a product has been sold [eg: repairs etc]
• buyer – n. 1 any person who buys anything 2 a person employed by a firm to buy
• client – n. a person who buys services from a lawyer, architect or other professionals
• close – v. to finalise a deal or sale; to make a sale
• cold call – v. to telephone a prospect without previous contact – also n.
• customer – n. a person who buys goods or services from a shop or business
• deal – n. a business transaction – also v. dealer n.
• discount – n. a reduction in the price; a deduction [usually expressed as a percentage (%)]
• follow up – v. to continue to follow persistently; to maintain contact [eg: after a lead]
• guarantee – n. a promise that a product will be repaired or replaced etc if faulty – also v.
• in bulk – in large quantity, usually at a lower price
• lead – n. useful indication of a possible customer to be followed up
• objection – n. a reason given by a prospect for not buying – to object v. seeovercome
• overcome – v. [-came, -come] to overcome an obj-ection to show an objection is invalid
• product – n. something made and usually for sale – to produce v. seeservice
• prospect – n. a possible or probable customer; prospective customer
• representative – n. sales representative person who represents & sells for a firm; salesperson
• retail – v. to sell in small quantities (as in a shop to the public) – also n. see wholesale
• service – n. work done usually in return for payment – to serve v. see product
• wholesale – v. to sell in bulk (as to a shop for resale to the public) – also n. see retail

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