http://www.nhck11.net I. Rewrite the following sentences (20 points) 1. I want to apply for the job offered by that bank but I’m to old to get the job. If…………………………………………………………………………………………………………………… 2. It took the cashier 2 hours to count the money. The cashier……………………………………………………………………………………………………. 3. They are going to open a representative office in Hanoi next month. A representative office………………………………………………………………………………… 4. The loan was too big for them to pay off. The loan………………………………………………………………………………………………………… 5. “Did you lend him a lot of money last week?” She asked……………………………………………………………………………………………………… 6. If you can’t pay the account in full each month, you will be charged very high interest rate. Unless…………………………………………………………………………………………………………… 7. We withdrew $200 from our account yesterday. $200……………………………………………………………………………………………………………… 8. His business was given a lot of help by the bank but it went bankrupt. In spite of……………………………………………………………………………………………. 9. We have never used credit cards to by goods before. This is the first time………………………………………………………………………………… 10. Travellers’ cheques are not only safe but they are also convenient. Not only………………………………………………………………………………………………………………… II. Rearrange the following sentences to make a logical process of credit slip clearing and then translate the passage into Vietnamese (20 points) Credit slips are sorted according to the payees’ banks. Credit slips are delivered to the payees’ branches. Credit slips are completed by the payers. Then the payers pay cash over the counter of any one of the thousands of branches. Credit slips are delivered to the paying banks’ head offices. Credit slips are credited to the payees’ accounts. The paying banks’ accounts are credited. The payees’s banks’ accounts are debited. Credit slips are processed at the Clearing House. Credits slips are processed at the Clearing House. Credit slips are give to the payees’ banks and taken to the Head offices of the payee’s bank. III. Word formation (20 points) 1. With ……… payments, paperwork is reduced to a minimum. (computer) 2. If a cheque is………… written, it will be refused by the bank. (correction) 3. The balance sheet consists of assets and……….(liable) 4. Most of my money is put into my ………… account to earn interest. (save) 5. If you want to borrow some extra money sometimes, you should ask for an ………… (overdraw) 6. The………….of the loan depends on the period of the loan. (pay) http://www.nhck11.net 7. PIN stands for personal …………… number (identify) 8. If you want to overdraw on your current account, you have to have the manager’s……… (permit) 9. The………… bank is the bank which sends the money to the ……….(pay) IV. Read the following passage and do as required (20 points) Prepaid credit card Prepaid credit cards provide an alternative to all those people that need a credit card. They work much like debit cards, that is an account is set up by a monetary deposit, and this deposited money can be used up through the prepaid credit card issued. The greatest advance of prepaid credit cards is that you are entitled to spend only as much as you have in your account – thus you will not be in debt, and you will have no bill to pay. One disadvantage of prepaid credit cards, however, is that most prepaid credit card companies require a set up fee to both open and maintain the prepaid credit card account. You will be required to pay taxes on your cash deposits, and you may be required to pay an annual membership fee. Another major disadvantage is that most online merchants do not accept prepaid credit cards as payment. This is because they have no guarantees that the accont can completely cover payment for an online purchase. This can be difficult for prepaid credit card holders to pay for monthly subscriptions to Internet service providers or to purchase items that are sold at zero percent interest, with a certain amount deducted from the credit card at fixed time periods. If you are interested in purchasing and using a prepaid credit card, take note of these advantages and disadvantages. Although you have the convenience of not carrying cash, you may not be able to purchase as many items as you wish, or from as many merchants as you please. Although you may have to pay additional fees for your account you can control your overall spending and keep yourself out of debt. • True or false? Correct the false ones (10 points) 1. Prepaid credit cards are similar to ordinary credit cards. 2. Prepaid credit cards can make users get into debit easily. 3. You can use prepaid cards to pay for Internet services. 4. Both prepaid credit cards and ordinary credit cards have advantages and disadvantages. 5. You can use an ordinary credit card to buy more things than using a prepaid credit card. • Find words in the reading which have the same or opposite meaning with the given words (10 points) 1. A kind of charge you pay every year = 2. (To be) in debt >< http://www.nhck11.net 3. The money put into an account by an account holder = 4. Facility banks offer to the customers = 5. The good points of something = V. Fill in each gap with ONE suitable word (20 points) On most modern ATMs, the customer identifies him or herself (1) …… inserting a plastic card with a magnetic stripe or a plastic smart card with a chip that contains his or (2)……… card number and some security information such as an expiration (3)……… The customer then verifies their identity by entering a pass code, often referred to as a PIN (Personal Identification (4) ……….) of four or more digits. Upon successful entry of the PIN, the customer (5)………… perform a transaction. After the (6)……… finishes, a transaction record is printed, usually consisting of the action taken date and time, location, any applicable fees and available balance. If the number is (7)…………….incorrectly several times (usually three attempts per card insertion), some ATMs will attempt to retain the card as a security precaution to prevent (8)……… unauthorized user from discovering the PIN by guesswork. Captured cards are often destroyed if the ATM owner is not the card (9)………….bank, as non-customers’s identities can can not reliably confirmed. In some cases, a transaction may be performed at the ATM that allows the customer’s PIN to be (10) ………… or additional security. VI. Translate the following sentences into English (10 points) 1. Khách hàng thích gửi tiền tại ngân hàng hơn là giữ tiền tại nhà bởi ngân hàng là nơi an toàn cho họ giữ tiền. 2. Khi tôi đi nước ngoài tôi thường đem theo tiền bằng séc bởi vì séc du lịch có thể đổi ra tiền mặt tại hầu hết các ngân hàng trên toàn thế giới. 3. Nếu bạn muốn thanh toán cho ai đó bằng sec, bạn phải viết tên của người đó trên séc. 4. Khách hàng có thể dùng tài sản riêng của mình để làm vật thế chấp cho các khoản vay. 5. Một trong những chức năng của thẻ nhựa là dùng để rút tiền mặt từ các máy rút tiền tự động. . transaction may be performed at the ATM that allows the customer’s PIN to be (10 ) ………… or additional security. VI. Translate the following sentences into English (10 points) 1. Khách hàng thích. money sometimes, you should ask for an ………… (overdraw) 6. The………….of the loan depends on the period of the loan. (pay) http://www.nhck 11. net 7. PIN stands for personal …………… number (identify). same or opposite meaning with the given words (10 points) 1. A kind of charge you pay every year = 2. (To be) in debt >< http://www.nhck 11. net 3. The money put into an account by an