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Unit 12: Saving and Spending PEARSON ALL RIGHTS RESERVED.

Lessons 1 & 2: Grammar

A Read the bank advertisement. Then look at the different types of articles. Give two
examples from the advertisement for each type.

Online banking lets you manage your account

Setting up an online account is as easy as 1-2-3!
1. Go to our website at www.123bank.net and complete the enrollment form.
2. Choose a username and a password.
3. Once you have the password, you will be able to access your account.

If you need assistance, call 1-800-555-4567 to speak to a representative.

1. An indefinite article (a/an): an online account, a username,

2. A definite article (the): the name and the ID

3. No article: enter the account

B Read the conversation. Cross out the incorrect answers. (Ø means no article is
necessary.)
A: I’d like some information about applying for a / the credit card.

B: Of course. Here’s a / Ø brochure that describes a / the cards that we offer.

A: What is Ø / the interest rate on the rewards card? I want to get a / Ø cash back.

B: Well, I can offer you an / Ø introductory rate of one percent. After three months, an / the
interest rate will be between 10 and 20 percent, depending on your credit score. I think
you’ll find that the / Ø rates we offer are very competitive.

A: OK, thanks. I’ll take a look at a / the brochure and get back to you.
 PEARSON ALL RIGHTS RESERVED.
C Complete the paragraph about credit cards. Use a, an, the, or Ø.
Even if you usually pay with Ø cash or use the checks to buy things, it’s
a good idea to build a strong credit history. If you have good credit, it is easier
to get a loan for things like the car, x computer, or even the new
home. Also, x employers may check your credit because a good credit history
shows that you are a responsible person. the most landlords also check your
credit because it tells them whether you will pay your rent on time. Credit cards let you buy
items online and over a phone, and you do not have to carry a lot of the cash.
And finally, credit cards are good to have in an emergencies.

D Read the conversation. Correct eight more errors by adding articles, crossing out
articles, or changing articles.

Customer: I’m starting my own business. I’d like

information about a the business

loans.

Loan Officer: Sure.Can you tell me a little about the

business you’re starting?

Customer: Well, it’s a small grocery store.

Loan Officer: So you’ll probably need to buy an equipment

like the a cash register and the freezer. We offer an equipment loan that would

be agood choice for you. You can pay back loan in fixed monthly payments.

Customer: That sounds good. How do I apply for that?

Loan Officer: Here’s a brochure about a the loans that we offer, and here is an application form.

I’ll help you fill out a form if you like.

E WRITE ABOUT IT. Are credit cards a good idea? What are some advantages and disadvantages of
using credit cards? Write your answer.
For my opinion, the credit cards only use in an emergency and the advantage is that I can pay
in the moment, and the disadvantage is that the interest is very high and depend the bank.