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Niveau: Intermediaire

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(By Walid Boukraa) 1/ SPEAKING:

Lesson (7): At the Bank

STUDENT A’s QUESTIONS (Do not show to Student B) 1) 2) 3) 4) 5) 6) 7) 8) Do you like banks? What are the good things about banks? What are the bad things about banks? What do you think of bank charges? Are bank workers always helpful? Has a bank ever made a mistake with your account/money? Would you like to work for a bank? Have you ever taken out a bank loan or overdraft? .

please? What is the interest rate? Do you need insurance? I'd like to change this money. please.9) What do you think of the Islamic banking concept of forbidding interest rates? 10) Would you like to use the services of an offshore bank? STUDENT B’s QUESTIONS (Do not show to Student A) 1) 2) 3) 4) 5) 6) 7) 8) Are banks the best place to keep your money? What makes you angry about banks? Have you ever met your bank manager? What banking services do you like most? Do you ever have to wait a long time in the bank to get served? What changes would you like to see in the way banks operate? Are interest rates too high or too low in your country? What are the differences between commercial. please. What is the exchange rate? Do you want to pay your balance off in full? Would you like your interest to be compounded? Could you fill out this form. please You will need to speak to the mortgage manager Phrases you may hear Would you like to register for a credit card? . Could I change fifty Euros. investment and merchant banks? 9) Do you use Internet banking services? 10) How often have you used a piggy bank? Useful phrases for in the bank Phrases you may want to use I'd like to open a savings account I'd like to pay in a cheque Would you like to open an ISA? I'd like to cash this cheque My credit card has been stolen I've lost my credit card Could I apply for an ISA. We can change that into Euros for you.

2/ LISTENING: Changing Money 1/ Where does Sandra come from? 2/ Why didn’t Gustavo recommend to change money at the airport? 3/ How much money in Euros did Sandra change? .

here’s $5 in change: quarters. Bank clerk: Is there anything else I can help you with? Sandra: No. .I was at the airport to pick up my friend Sandra. too. The next day. Sandra: In that case. I don’t have any U. Sandra: That’s perfect. Have a nice day. I’d like 500 U. how much would you like? Sandra: How much is one Euro worth? Bank clerk: The current rate is one dollar to 0. I picked Sandra up from her hotel and we went to a branch nearby. I’ll take you to the bank tomorrow. Bank clerk: Okay. Where can I change money? Can I do that here? Gustavo: You could.S. Bank clerk: It’s my pleasure. Thanks for your help. Thanks a lot. That will be $300 in $20’s. I’d like some change. That will be 400 Euros. Please sign here.. dollars.S. Bank clerk: What can I do for you? Sandra: I’d like to exchange some currency and to get some U. who was visiting from Italy. dollars. But. Bank clerk: That’s no problem. The exchange rate is really high and so are the fees. and nickels. Gustavo: Do you have everything? Sandra: Yes.S. that’s all. Bank clerk: Okay. And.8 Euros. and $45 in $5’s and $1’s. dimes. …. dollars. I think so. but I wouldn’t recommend it. Would you like that in large or small bills? Sandra: I’d like a mix of both. $150 in $10’s.

The U. Many wealthy people avoid paying taxes in their own country by opening a Swiss bank account. which he believes is costing the USA billions of dollars a year in lost tax revenues. Many governments say this is not good enough. Switzerland is treading carefully. (Grammar) . Switzerland is the world’s largest tax haven. US President Obama wants to rid the world of tax havens. Swiss banks have made trillions of dollars from protecting wealthy foreigners who should be paying tax on their income to their own government. Swiss banks have for centuries been the place for the rich to deposit money they want to hide. he said any help would only be on a case-by-case basis. the Swiss government is under a lot of international pressure to change its banking laws because of the global banking crisis. It fears it could be blacklisted by world powers.S. Helping foreigners evade tax is not a crime in Switzerland.3/ READING: Swiss Banks Promise Less Secrecy Switzerland’s banks will soon change the way they operate. It also means the world’s dictators can continue to steal their country’s riches and hide the money in Swiss banks. However. He said banks would only help where foreign governments can prove bank customers are breaking the law. America’s government wants Swiss banks to stop helping people evade tax. Swiss president Hans-Rudolf Merz said Swiss banks would co-operate with the international community to fight the tax cheats. However. in particular says it is now time for Americans to pay tax in the USA.

combination is possible): 1. President Barack Obama is a big fan of tax havens. f. PHRASE MATCH: Match the following phrases from the article (sometimes more than one. j. U. change the way they the place for the rich to deposit wealthy people avoid under a lot of international paying tax on their income to their Switzerland is the world’s largest tax any help would only be on a case-bya. Switzerland will cooperate if foreign governments have enough proof. d. People have hid their money in Swiss banks for hundreds of years. d. 5. f. e. e. b.S. 2 3. 4. the world’s dictators can continue 9. 4. c. 6. g. 2 3. case basis 8. c. 7. T/F T/F T/F T/F T/F T/F T/F T/F 2. f. operate deposit in particular evade made haven cheats prove rid blacklisted a. paying taxes i. h. Swiss banks have earned over a trillion dollars from rich foreigners. e. i. c. 6. h.1. Switzerland is treading . 10. 5. d. Tax evasion is not illegal for foreigners under Swiss laws. b. TRUE / FALSE: Look at the article’s headline and guess whether these sentences are true (T) or false (F): a. 7. b. boycotted earned put away fraudsters work free dodge especially shelter show to be true 3. own government carefully to steal money of tax havens operate pressure to change h. Switzerland is worried other major economies could blacklist it. 9. President Obama wants to rid the world 10. SYNONYM MATCH: Match the following synonyms from the article: 1. Switzerland is under no pressure to change its banking laws. haven j. Switzerland is the world centre for the rich to hide their money. g. 8. g.

……………………………………………………………………………………. and my checks were also free. Technically. and gave me a form to fill out with my personal information. I told him I wanted to open a new checking and savings account. I had to show him a governmentissued ID and give him my Social Security number. the savings account is a money market where I can earn interest daily. I drove over to the bank.. I went for Mar Vista National Bank. …………………………………………………………………………………… …………………………………………………………………………………… …………………………………………………………………………………… …………………………………………………………………………………… …………………………………………………………………………………… …………………………………………………………………………………… …………………………………………………………………………………… …………………………………………………………………………………… . one of the customer service representatives there. and walked inside. and was greeted by John. John asked if I wanted an interest-bearing account with overdraft protection. parked next to the drive. I made my way to the new accounts desk. including place of employment.. The checking was free if I had direct deposit. He said he would be happy to help me. I'm glad I got that out of the way. home address. and thanked him for his help. and so forth.through teller lanes. and after looking at my options. Now all I need to do is make some money to put into my accounts! Write a similar report about the last time you went to the bank: What was it for? What did you do? How was the service?. gave him the minimum deposit to open the account. he said.4/ WRITING: Opening a Bank Account I decided to switch banks recently. I signed on the dotted line. …………………………………………………………………………………….