\begin{tabular}{lcccc} & \multicolumn{2}{c}{ American Terms } & \multicolumn{2}{c}{ European Terms } \\ \cline { 2 - 5 } Bank Quotations & Bid & Ask & Bid & Ask \\ New Zealand dollar & 0.7329 & 0.7336 & 1.3863 & 1.3877 \\ Singapore dollar & 0.6183 & 0.6188 & 1.6415 & 1.6428 \end{tabular} \begin{tabular}{|l|l|l|} \hline New Zealand dollar & Bid & Ask \\ \hline Singapore dollar & & \\ \hline \end{tabular}