1.   The depositors receive a negotiable certificate which states the amount deposited and the date on which the bank will redeem the certificate.

2.   But they invariably require substantial additional fees to redeem the certificates.

3.   Can you help me locate a store where I can redeem the certificate?

4.   The buyer chooses the store where the certificate can be redeemed, drawing from a list of pre-approved retail outlets that have Internet sites.

5.   The certificates are then redeemed by calling US Airways or seeing a travel agent.

6.   This means that in December, a retailer is walking around with extra cash that it can use, interest free, until the certificate is redeemed.