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!!!!!Англійська мова для спеціальностей Економі...doc
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Active Words and Phrases:

current account

поточний рахунок

savings account

рахунок в ощадному банку

overdraft

перевищення кредиту в банку

cash dispenser

банкомат

charge a fee

брати плату

check book

чекова книжка

keep to the credit zone

не виходити з рамок кредитної суми

quarterly statement

квартальний звіт

deposit account

рахунок вкладу

an investment account

рахунок капіталовкладень

save for a rainy day

заощаджувати на чорний день

cheque (check) card

чекова картка

Ex. VI. Complete the word combinations from the text above. Choose from the list in the box.

Example: current …  current account

the interest, a deposit, an account, rate, cash, for several months, a button, on request, to the credit zone, a rainy day, statement, fixed, the original sum

  1. overdraw …

  2. keep …

  3. save for …

  4. open …

  5. interest …

  6. offer …

  7. at the touch of …

  8. to be available on …

  9. a quarterly …

  10. to invest …

  11. … term

  12. re-invest …

  13. transfer … to another account

  14. withdraw …

Ex. VII. Speak on the advantages and disadvantages of each type of account. Ex. VIII. Read the dialogue and role-play it.

A: Good morning, sir. Could I help you?

B: Good morning. I would like to open an account with your bank. A am working at a local firm and will be living here for some years.

A: I see. What kind of account would you like to open with us?

B: I am not quite familiar with your banking system. Can you give me some information about the services provided by your bank?

A: Certainly. A very important sector of our line is the current account. The vast majority of the working population use it as the address for the transfers of their wages and salaries.

B: How much does it cost to open a current account?

A: Opening an account is free. The monthly charge is $5 at present.

B: In what way can I dispose of the money?

A: If you need cash — no problem at all. One of our branches is near the place you live or near your working place. And there are also some cash dispensers in the city and the suburbs.

B: My wife is coming soon and she will live here for some time I am here. Will she have access to the account?

A: Certainly. Just tick the box and bill in the relevant part of the form here. Your account will then be a joint account for your wife and yourself. We'll need your wife's signature when she is here.

B: Will I be able to overdraw my account if necessary?

A: Of course. As soon as we see that you receive a regular income, this will be possible.

B: I have got a paper here from my employer with details of this part of the matter.

A: Very well, I see. As a rule, we will allow you an overdraft up to the amount of two months salary. Should you need more, don't hesitate to ask. We are always willing to help our customers whenever it is necessary. Would you like any other information about our services?

B: Will it take long to get the eurocheques and the cheque card?

A: Let me see. Today is Monday, so the card should be here by Friday. And together with the cheque card we will provide you with a set of 10 eurocheques.

B: That sounds fine. How about a saving account? I would like to save some money for the future.

A: Your current account can save automatically: either the same amount every month, or the remaining amount on your account at the end of the month. Which would you prefer?

B: As I am not sure about my monthly expenses, I would prefer the latter. What is the interest rate paid by your bank?

A: At present the normal interest rate is 3%. However, for fixed forms we're able to offer 3,75% for 12 months, 4% for 24 and 36 months, and even 4,75% for 48 months and more.

B: That sounds fair enough. I think the last offer is the right one. How much will I have to pay in to have it opened?

A: Just $2. I'll have the forms typed for you. Please, excuse me for a while.

(the bank clerk types the different forms for the two accounts. After a while he returns)

A: Here you are. Would you please sign the forms? Thank you.

B: Thank you very much for the trouble you are taking on my behalf.

A: You're welcome. Your cheque card, eurocheques and your saving-book will be ready by Friday.

B: That will be fine. Thanks. Goodbuy.

A: Goodbuy, sir, and thanks for calling.