Практичне заняття № 2 (Інф., 2 курс)

Тема 1. Відкриття рахунку в закордонному банку

TASK 1. Read, translate and retell the text "Opening an account".

savings account ощадний рахунок

spare money вільні гроші

checking account чековий рахунок

initial deposit початковий внесок

to maintain зберігати

average daily balance середній щоденний баланс

cash withdrawal вилучення, знімання грошей

to avoid уникати,ухилятись

interest проценти (на капітал)

profitable прибутковий, вигідний

application форма, бланк

deposit ticket прибутковий ордер

pass-book ощадна книжка

Read and discuss the dialogue.

- Good morning.

- Good morning, sir. Can I help you?

- Yes, I think so. I would like to open an account.

- What kind of are you interested in?

- You see, I have some spare money to put into the bank.

- Then you should open either a savings or a checking account.

- I'm afraid I know nothing about either of them. Could you tell me the difference between these two accounts?

- A small initial deposit is necessary to open a savings account at our bank. If it is more than five hundred dollars and you maintain this amount, then you won't be charged for banking services. Oth­erwise you will be charged five dollars a month.

- So, I must keep a minimum balance of $500, is that correct?

- Yes, that's right. Our computers check your average daily balance.

- And will I get a banking card after opening an account?

- Yes, certainly. And then you can get your money through machine services. You can make deposits, cash withdrawals and balance inquiries with your card. The machine is at work 24 hours a day.

- Oh, it's very convenient. And may I ask what a checking account means?

- Certainly, sir. After opening a checking account you are supposed to maintain an average daily balance of $1,000.

-And what if I fall below this limit?

- Then you would have to pay a service charge of six dollars a month, and besides you will be charged 25 cents for each check and the same amount for each cash withdrawal.

- Hmm, I see. And can I avoid it somehow?

- Yes, of course. It may be done by keeping your $1,000 in your checking account.

- And how much interest do you pay?

- Interest of 6,5% is paid when your average daily balance is over $2,500. We credit the interest you've earned automatically to your account.

- Well, it's clear enough, but I intended to put only $1,000 into the account.

- Then it would be more profitable for you to open a savings account.

- Okay. I've made up my mind. I will open a savings account with a deposit of one thousand dollars.

- Fine. Will you fill out this application? (The client fills out the application)

- Is everything correct?

- Yes, everything is all right. And now you need to write a deposit ticket for $1,000.

- Just a moment.

- Thank you, sir. Here is your pass-book. The bank will pay you 5,5% interest.

- Thank you. You were most helpful.

Ex.1. Insert prepositions where necessary.

1. What kind ... account are you interested ... ? 2.1 know nothing ... it. 3. What is the difference ... them?

4. You would be charged ... banking services. 5. I'll get my money ... machine services ... my card. 6. You should not fall... this limit. 7. You would have to pay a service charge ... six dollars. 8. Can I avoid it... somehow? 9. It may be done ... keeping it. 10. And now fill... this application.

Ex. 2. Act as an interpreter.

1. What kind of account are you interested in? - Мені б хотілося відкрити ощадний рахунок. 2. Is the initial deposit large? - Hi. Усього лише 1000 доларів. 3. Why should I maintain this amount? - Інакше Вам доведеться платити за банківські послуги. 4.What do computers check? - Наш комп'ютер підсумовує всі відповідні щоденні цифри. 5. When could I get my money? - Ви можете отримати свої гроші у будь-який час доби, кори­стуючись нашими автоматами. 6. What else is required? - Заповніть цю форму і прибутковий ордер. 7. Is there a minimum balance required? - Передбачається, що Ви збережете середній щоденний ба­ланс розміром 1000 доларів. 8. What else is required? - Вам доведеться платити 25 центів за кожний виписаний чек і 25 центів за кожне вилучення грошей з банківського рахунка. 9. How much interest do you pay? - Якщо на Вашому рахунку буде не менше 2500 доларів, вам належить 6,5%. 10. I would like to open a checking account with a deposit of $1,500. Is that O.K.? - Усе гаразд. Ви можете замовити чекові книжки як тільки заповните бланк заяви і талон на депозит.

TASK 2. GRAMMAR: Past Perfect Tense

Ex. 1. Open the brackets using the verbs in Past Per­fect.

1. I (to translate) the text before the bell. 2. She (to do) her lessons by the evening. 3. He (to clean) his room by five o'clock. 4. We (to speak) to him before the meeting. 5. Mother (to cook) dinner by seven o'clock. 6. Her son (not to do) the home task by nine o'clock. 7. She (not to make) a dress before party. 8. What they (to do) by three o'clock? 9. Who (not to write) the exercise before the bell? 10. Why you (not to sweep) before your mother's coming? 11. Your child (to go) to bed by ten o'clock? 12. You (to reach) your house before the sunset? 13. They (to receive) the telegram by that time? 14. Why they (not to have) lunch by twelve o'clock ? 15. We (to have) dinner by eight o'clock.

Ex. 2. Open the brackets using the verbs in Past Simple or Past Per­fect.

1. When the police (to arrive), the car (to go). 2. George (to finish) doing his homework at eight o'clock. 3.

When she (to get) to the shop, it (to close). 4. The train (to leave) when he (to come) to the station. 5. We (to eat) everything by the time he (to arrive) at the party. 6. I (to know) that he (not to learn) the poem. 7. When they (to leave) the beach, the rain already (to start). 8. Arthur (not to know) that we already (to arrive). 9. When I (to come), I (to see) that mother (to cook) dinner. 10. My friend (to study) English before he (to enter) the institute. 11. The car (to go) when I (to look) into the street. 12. He (to take) the decision before I (to come). 13. Nick (return) from office by seven o'clock. 14. We (to get) to the stadium at four o'clock but the game already (to start). 15. She (to come) at six o'clock. 16. I (to think) that my parents already (to return). 17. He (to be sure) that we (not to recognize) him. 18. You (to find) your key which you (to lose) before? 19. Meg (to say) that she (to be) in this city. 20. The doctor (to arrive) when we already (to help) him.

Ex. 3. Open the brackets using the verb in Present Perfect, Past Simple, Past Contin. or Past Per­fect.

1. Last summer we (to live) in the country and (to go) to the river every day. 2. My sister (to spend) a lot of money yesterday. 3. She is so upset: she (to lose) the key to the front door. 4. By the 1st of Sep­tember all the children (to return) from the coun­try. 5. Columbus (to discover) America 500 years ago. 6. Columbus (not to know) that he (to discover) America. 7. I already (to read) five English books. 8. He (to discuss) the problem with a lot of people before he (to take) a decision. 9. Mother (to bake) a delicious cake! Sit down at the table and let's eat it! 10. She (to read) an English book the whole evening yesterday. 11. I never (to be) to Greece. 12. They (to tell) me yesterday that you (to get) an excellent mark. 13. When you (to receive) a letter from your friend? 14. Our grandmother (to cook) dinner from twelve till three yesterday. 15. Look! What beauti­ful flowers she (to buy)! 16. They (to travel) along the coast of Africa last year. 17. We (not to see) each other for ages. 18. They (to eat) all the apples which I (to bring). 19. When the children (to have) dinner, they (to go) for a walk. 20. You ever (to be) to the Niagara Falls? 21. At this time yesterday they (to sit) on the sofa and (to listen) to their grandmother

Ex. 4. Open the brackets using the verb in Present Perfect, Past Simple, Past Contin. or Past Per­fect.

1. He (to come) home late yesterday. 2. She is very glad: she (to finish) her composition at last. 3. He (to translate) the whole text by eleven o'clock. 4. I never (to be) to Rome. 5. Last year we (to work) very much. 6. When I (to have) breakfast, I went to school. 7. I (not to see) you for ages! I am very glad to see you. 8. When you (to see) the "Swan Lake"? 9. My sister already (to graduate) from the university. 10. He repaired the toy which his brother (to break) the day before. 11. I (to see) an interesting TV programme this week. 12. You ever (to be) to Trafalgar Square? 13. They (to cook) the whole day yesterday. 14. I just (to see) Jack. 15. She (to wash) the dishes from five till six. 16. Look! She (to draw) a very nice picture. 17. At this time yesterday I (to talk) to my friend. 18. The TV programme (to begin) before I (to come) home. 19. I (not to eat) ice cream since sum­mer. 20. I understood that she (not to read) my let­ter. 21. She (to do) the rooms when I (to come) home. 22. It's all right: she (to find) the way out of the situation.

TASK 3. READING: Organized crime

Organized crime, which is a social and political phenomenon to be found in virtually all the leading nations of the world, has also spread to the territory of Ukraine, and today it constitutes an extremely complex mechanism with a precise structure.

At about the beginning of the seventies organized crime tended to be fairly covert in nature, finding expression above all in organized forms of professional criminal actions, the activities of "professional thieves" and in the formation and consolidation of a criminal class with its own ideology, its own structure and its own rules which did not correspond to the laws and regulations established society.

Organized crime in its present form is characterized by an organic unity of offenders, the shadow economy and corruption. Corrupt is one of the most destructive phenomena. White-collar crimes, disciplinary and other offences are closely connected with corruption.

A source of great concern is the problem of preventing and solving crimes connected with the blowing up and arson of vital facilities, homes and means of transport, aircraft hijacking, hostage talking, attacks on guarded premises including arsenals, administrative buildings, facilities belonging to the authorities responsible for law and order, and the murder of people in positions of authority.

These terrorist actions are often committed with the aim of do panic and fear and exerting influence on the organs of the state. Weapons are being used more and more frequently to achieve political aims with the assistance of illegal armed squads. So law exists to protect society as a whole and the individual in particular; it is therefore directed to the regulation of behavior on the personal level.