Test 5 (Variant d)

1. Read the text:

BANK ACCOUNTS

Banks provide various services for their clients. The main functions of banks are crediting of businesses, providing financial operations of their clients and making money for themselves. If you need a considerable sum of money for starting your own business you may take a loan from the bank or mortgage your house or your estate if you have any. But remember: you borrow an umbrella on a sunny day and, perhaps, you will have to give it back on a rainy one. Besides, the bank usually has its interest which may make a considerable sum. This is the reason why many people are not willing to borrow money from banks, but they use some other services of banks more willingly, for example they prefer to keep their money in banks. Banks have security systems and they insure their capital. So your money is safe in a bank if it is not a CIS bank, of course. That’s why the majority of people have their bank accounts and use them for different financial operations.

It’s very simple to open a bank account. There are very few formalities. Just go to your local branch and fill in a few forms. You will probably only have to pay bank charges if there is no money in your account or if you borrow money from the bank, in other words if you have an overdraft.

For regular everyday use most people prefer a current account. This normally earns no interest but you are given a cheque-book, which makes shopping and paying bills very easy. A deposit account earns interest but it’s not so easy to withdraw your money. You sometimes have to give a week’s notice.

At regular intervals, perhaps monthly, you will receive a statement from the bank, giving details of each deposit (money you put in) and withdrawal (money you take out). If you’re not sure how much money you have in your account, you can just go to your bank and ask what your balance is. If you have to make a regular payment, like rent, you can ask the bank to pay this amount for you automatically. This arrangement is called a standing order.

Some people spend more money than they receive. If you take more money out of the bank than you have in your account, you are overdrawn. The bank gives you a cheque-book for easy payments. To keep a record of your spending, it’s a good idea when you write a cheque to fill in the counterfoil, which stays in the book. Most cheques are crossed cheques, which means that no one else can cash them. They must be paid into someone’s account.

2. Answer the questions to the text:

1. Why aren’t people very willing to take loans from banks? 2. Why is your money safer in a bank than under your pillow? 3. What is the difference between a current account and a deposit account? 4. There are two ways of checking the state of your bank account. What are they? 5. When is a standing order used?

3. Report the sentences:

1. One line drew Heather’s particular attention. John wrote, ”I’m moving to some other place. Please, don’t try to find me - it’s no use.” 2. “I hope you will have good time at the sea, Jenny,” said Mr Grab giving her an envelope with the round trip ticket. 3. “Coincidences happen all the time; just that some of us don’t spot them,” Inspector said. 4. “It seems very likely at the minute that your, Julia, mother was involved in some way in the murder of your stepfather,” Morse said. 5. “Luis! Get somebody to check how Ashley came in possession of that BMW,” asked Morse. 6. Dr Hobson, the police pathologist, said, ”We have all the internal evidence; the two separate termini of the knife-points; two distinct sets of lacerations.”

4. Report the questions:

1. “Is there anything interesting?” Chief Inspector asked. 2. “How long will the coroner’s inquiry last?” Mrs Hobbson asked. 3. “Don’t you want to see the contents of his pockets?” Hoover asked Mr Hengy. 4. “Are you going to stay at your friend’s or at a hotel?” Sarah asked her brother. 5. “What were you doing at 6 p.m. on Friday?” the policeman asked the suspect. 6. “Have they, I mean the Jolstones, received a damage for their broken car?” Mrs Grandy interested.

5. Change the questions into indirect ones using the following beginnings: I want to know ..., I’d like to know ..., I’m interested ..., I wonder ..., etc.:

1. What forms do I need to fill in? 2. Does Mr Forbs work for Marville or Windtown branch of the bank? 3. Has Jenny applied for that job? 4. Were you travelling in France last September? 5. How long will the hearings last? 6. Where will the new building be constructed?

6. Put questions to the following sentences:

1. The police psychologist has been working on the psychological portrait of the serial murderer. ( What? Who?)

2. The phone call had been recorded 17 minutes before Mr Rotes arrived home. (How long? General)

3. If she had had that money she would have bought or rented that apartment, because it is located in a very convenient place. (Why? Disjunctive)

4. The payment should be done in three equal parts by the letter of credit issued for the total sum of the contract. (How? What letter? Alternative)

7. Use both, either, neither:

1. You will have to sign ... copies for the deal to be legal; one copy goes to the bank, the other to your lawyer. 2. I doubt that Mr Frisk has committed that crime; he had ... a motif ... possibility. 3. ... Mr Julian ... Mr Cross are experienced lawyers; you may consult ... of them. 4. Will you interview Mr Singh or Mrs Singh? ... of them, and fetch their butler too. 5. I reckon ... of them are able to cope with this case; they... are too trigger-tempered.

8. Translate into English:

1. Если бы у них были ключи им, не пришлось бы выбивать стекло. Если бы ты был умнее, ты мог бы допустить, что выбитое стекло может быть имитацией. 2. Как жаль что мистер Франк не принимает участия в расследовании. 3. Что бы ты делал, если бы тебя шантажировали? 4. Если они уедут завтра, они не смогут встретиться с мистером Вайном. 5. Если бы Вы перечислили сумму в оговоренные сроки, мы бы не подали иск на Вас. 6. Если бы он имел высшее образование, он бы сейчас занимал один из высших постов в фирме.