StudentAccount

Thisisanofferwithmutualbenefits–inotherwords,it’sgoodforyouandit’sgoodforus.Thereisagoodchancethatinfiveyears’time,youcouldbeasuccessfulentrepreneurrunningyourownbusiness.By

then,asoneofourbestclients,yourgoodreputationwillbeyourcollateralinsecuringloans.Therefore,wewanttoinviteyoutojoinusnowwiththisgreatspecialoffer.

What’sinitforme?

–Abankcardthatletsyou

withdrawmoneyatthousandsof

ATMsnationwide.

–Freeadviceandcounselingabout saving and money

management.

–Freebonuscreditforyourmobilephoneifyoupaywithyourbankcard.

–Nobankcharges–wedon’tchargeyouforhavinganaccount

withus.

–Freemonthlystatementssothatyoucancheckyourbalanceandkeeptrackofyourincomeandexpenses.

–Discountcardthatgetsyoua10%discountatselectedmusicand

sportsstores.

WhatdoIhavetodo?

Stopbyyourlocalbranch.BringacurrentID–apassportora

driver’slicenseisfine–andarecentbill(telephone,etc.)withyournameoryourparentsnameandaddressonit.

3.Answerthequestions.

1.Whichofthebenefitsofferedbythebankareofgreatestvalueto

students?

2.Whatadvantagesarethereforbankswhentheymakespecialofferstostudents?

3.Whyisitadvantageousformusicandsportshopstooffera

discount?

4(8).Listening.Chrisisastudentwhowantstoapplyforacreditcard.Afterthefirstlisteningtohisconversationwithabankemployee,completethenotes.

Mindsomenewwords:

credithistory	кредитнаяистория
restrictions	ограничения
beawareofsmth.	знать,бытьвкурсе
tobook	покупать(билет)
tofillout	заполнять
approval	одобрение
tocharge	взиматьплату
repaymentoptions	условиявыплат
interestrate	процентнаяставка
tosetup	договориться,урегулировать(зд.)
checkingaccount	текущийсчет
available	доступный
annual	ежегодный
partial	частичный
todeductfromaccount	списыватьсосчета
toowe	бытьдолжнымкому-то
tofillout	заполнять
ontime	вовремя
due	строговсоответствиисчем-то
fixedintervals	установленныесроки
amount	количество
equal	равный
topayoff	выплатить

1.whyChrisneedsacreditcard:

2.applicationprocedure:

3.repaymentoptions:a)

c)

4.bankemployee’srecommendation:

5.annualcharges:

_{6.interestrate:}

.

_.

;b) _.

_.

_.

_.

4.1Listenagain,fillinthegaps,makeupasimilardialogue.

Bankemployee:Goodmorning.CanIhelpyou?

Chris:Yes.MynameisChrisBrown.Ihaveanaccounthereand

I’dliketo foracreditcard.

_{Bankemployee:Fine.Canyougivemeyour}

_{andletmecheckyour}

_withus?

_{Chris:Hereitis.I’vehadanaccounthereforthelast}

_years.

Bankemployee:Isee.Well,fromwhatIseehere,Chris,yourcreditisgood–justonesmallloanthatwaspaidbackontime.

Ofcourse,youknowthatasastudenttherearesome

onthetypeofthecreditcardyoucanhave.

Chris:Yes,Iamawareofit.ButIreallyneedacardforandthingslikethat.

_{Bankemployee:Okay,well,thefirstthingtodois}

thisform.Then,Ihavetogiveittothe

.Butthatshouldn’tbeaproblem.

Chris:Great.Now,canyouexplainaboutthedifferentthatareavailable?

_{Bankemployee:Certainly.Youcanchoosetomakea}

forhis

_{paymenteachmonthonwhatyouoweonthecard,oryoucanpaythe}

_{balanceinfulleachmonth,oryoucanpaya in}

_{equalpaymentsatfixedintervals.Personally,Iwouldrecommend}

_makinga

_{eachmonthonwhatyouowe.}

Chris:Fine.Butwhataboutthe

onthecard.Iheardtheycanbequitehigh.

_{Bankemployee:Ourbankchargesafixed}

and

_of

_{$ forusingthecard.Ifyoudon’tpaytheminimumamountdue}

_{withinthegiventimelimit,the}

_{hereis %.}

Themostimportantthingistopayofftheminimumamountontime.

_{Chris:Okay,welllet’ssetitupsothattheminimumamountdueis}

_frommy

_account.

Bankemployee:Certainly.So,ifyoucouldjustfilloutthis…..