0 E Comprehension

Now read the text again and answer these questions in your own words in the space provided below.

Wli.it two reasons are given for saving your money in a bank account? Why do people prefer to borrow money from banks? Do banks do anything else for their customers other than store and lend money? How do banks earn money? Who decides how much money the bank keeps in reserve?

Before you listen

Discuss these questions with your partner.

If a bank note is not real, we call it a lake or counterfeit note. -» How do you know if a banknote is real or not?

What can banks do to make people trust their notes and coins?

F Listening Ц)))

Look at these notes about whether a ten-pound note is genuine or not and see if you can guess what goes in the gaps.

Paper is very (1)

The words (2) aro raised from the paper.

There should be a strip of (3) m the middle of the note There is a watermark of the (4)

There is a hologram which shows a picture of

Britannia, who was a (5) and the (6)

With a magnifying glass you can see the word (7 ) written in tiny microlettenng.

If you put the note under fluorescent light, a bright

(8 ) .. number ten will appear. Now listen and check your answers.

70 И. an i« Е^глл» тi if- t 13

G Speaking

Discuss these questions with your partner.

Can you imagine life without money?

What are the dangers of using a credit card to

pay with instead of money? Wbat do you know about digital money?

Task

Give a two-minute presentation on the

history of money. First, read through text 1 again and make notes below on the following.

bartering

commodity money fiat money

You can also include recent developments not

mentioned in the text, such as credit cards and digital money.

В H Writing

W r i t e a promotional leaflet for a bank.The aim

of the leaflet is to attract new customers and to inform existing customers about the services the bank offers.

Use an informal, friendly style like you see in advertisements. Organise the leaflet using the plan shown here.

Promotional leaflet

PARAGRAPH 1

Give a brief history of the bank and say how big it is today (to give confidence to customers).

PARAGRAPH 2

Explain what your main services are. and what advantages you offe.r compared to other banks (for example, interest rates).

PARAGRAPH 3

Say what other services you offer and how they can be useful to your customers: for example, special savings schemes for certain people (students / pension schemes for workers) and Internet banking.

PARAGRAPH4

Say how customers (or potential customers) can contact the bank (e-mail, web page, phone number, local branches, etc).

W r i t e 200-250 words

A

Pronunciation guide

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Copper knjvxn Accessible дк sesobl Deposit1111 dipivii Withdrawal wiA'dmwl Borrower lint.>K>ir)

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\ transport education defence

Unit

Before you read

Discuss these questions with your partner.

' components ' income • absolute • full

allowance V personal i. surplus \ employment

path 't component '• surplus

allowance H components

complete disposable surplus public shortage income motorway

1 project

progressive

policy capacity

С full

spending

: capacity

disposable allowance capacity railway

1 scheme

public

What taxes do people pay in your country?

-> Are the taxes fair? Wlty / Why not?

ff A Vocabulary

Choose the correct answer А. В or С f r o m the list opposite.

The department of the government looks after roads, railways and airports.

l'hc government hopes its will help reduce unemployment.

4

The parts that something is made of are sometimes called

employment is when everyone who can work has a job. The money that you have after you've paid taxes is called your income. The part of a person's salary that is not taxed is called their personal The government plans many new projects, such as building new hospitals and schools. Another word for extra goods that are not needed is When the economy is working at full

it is using all us resources for production.

A is a large, fast road which connects cities. A is a plan for achieving something. In a tax syslem, people who earn

more pay more tax than people who earn less.

SJ/i m