M.C 10 - MLH 6

UNIT 14. BANKS AND BANKING
TEST 1
I. Choose the word which is pronounced differently from the others.
1. a. deposit b. credit c. pocket d. decide
2. a. loan b. home c. borrow d. deposit
3. a. borrow b. not c. pocket d. work
4. a. community b. company c. money d. brother
5. a. lend b. send c. open d. chjque
II. Choose the right word or phrase that best completes the sentence.
6. The money of a depositor is credited ____ his account.
a. to b. with c. at d. of
7. People save money in banks _____ future use.
a. about b. of c. for d. in
8. An account _____ the money adepositor has in bank.
a. saves b. keeps c. counts d. records
9. The depotsitor can _____ his money.
a. withdraw b. draw c. take d. take off
10.Every company wish it had sever registers _____
11.
12.The bank has two ____ to a depositor.
a. plans b. responsibilities c. duties d. roles
13.Banks in the United Kingdom______at 9.30 a.m.
a.close b.serve c.open d.are on duty
14.He_____some of his money in a bank for safe-keeping.
a.lets b.puts c.sends d.deposits
15.Banks in the United Kingdom don’t close at______.
a.night b.lunchtime c.lunch d.evening
16.People are carrying____cheque cards and credit cards nowadays.
a.more and more b.much .many d.few
III. Find the one choice that best completes the sentence.
17.You may but money in a small coin bank, _____ to keep it safe.
a.such as a piggy bank b.such a piggy bank
c.as a piggy bank d.like a piggy bank
18.Since ancient times, silver _____ to human beings.
a.is known b.is being known
c.has been knowing d.has been known
19.He went to the bank______.
a.for keeping his money b.to deposit his money
c.to keep his money d.for depositing his money
20.Farming helps him a lot in bringing _____ his children and making a fortune.
a.about b.in c.of d.up
21.______ is very helpful in our everyday business.
a.Banks b.Banking c.Bankers d.Bank
22. 21.Why don’t we_____for a swim?
a.go b.enjoy c.wait d.take
23.Cars are not the_____means of transport in the world.
a.safe b.safety c.safest d.safely
24.Look at the man who is borrowing a book_____the librarian.
a.of b.at c.from d.in
25.We are going to_____student’s fair in our school.
a.organization b.organizers c.organizing d.organize
26.Do you go to the bank to deposit your money as you______?
a.are advised b.advised c.be advised d.advising
IV. Choose the words or phrases that are not correct in standard English.
27. We study hard to want to get high grade.
a b c d
28. I went to see him so that to see what had happened
a b c d
29. Peter ran quick so as to catch the bus
a b c d
30. Mr.Brown rode to the post office for the stamps.
a b c d
31. He goes to bed early so that to get up early the next morning.
a b c d
32. She wore warm clothes so as to catch cold.
a b c d
33. The thief wore dark glasses and a false beard in order that not to be.
a b c
recognized
d
34. My sister opens a saving account in a local bank.
a b c d
35. You can use a credit card to pay for your shopping instead of paying on cash.
a b c d
36. Cashing a cheque mean exchanging for or converting a cheque
ab
into coin and note.
c d
V. Choose the word (a,b,c or d) that best fits each of the blank spaces
In 1271,Marco Polo (36) _____ out on his first voyage together wih his father and
his uncle.They(37) _____to a land which his father (38) _____ during his previous
voyage.This land(39)_____by a great Emperor called Kublai Khan.
It(40) _____ them four years to reach Cathay, the capital city of Mongol Emperor.
The travelers (41). ______ a warm welcome. The Emperor liked and trusted Marco. He
(42) ______ Marco on errands to other parts of Mongolian Empire.
Marco was fond of (43) ______ down notes about the things and people he (44)
______ on his travels. He(45) ______ from each trip with valuable information for the
Emperor.Marco lived in Cathay for many years before he returned home.
37.a.set b.sets c.setting d.hadset
38.a.are journeying b.have journeyed
c.will journey d.journeyed
39.a.discovered b.has discovered
c.had discovered d.discovers
40.a.rules b.ruled c.is ruled d.was ruled
41.a.cost b.had cost c.took d.has taken
42.a.was given b.were given c.has been given d.had been given
43.a.send b.sends c.sent d.is sending
44.a.write b.wrote c.writing d.written
45.a.saw b.was seeing c.has seen d.will see
46.a.returned b.returns c.has returned d.was returned
VI. Read the following passage and choose the item (a,b,c or d) that best answers
each of the questions about it
If all countries had the same monetary units,a difficult problem of international
trade would be solve .One country’s money is not usually good in another,however,and
it is necessary to have a system for exchanging the currency of the buyer into that of the
seller.Bankers handle this by doing what is called buying or selling foreign exchange.
When an exporter sells his goods to a merchant in a foreign country, he makes
out a bill of exchange for the merchandise.The bill of exchange looks like a common
bank check.The exporter sends this bill to his bank and receives his money . Thus, the
exporter receives payment in his own currency.
The exporter’s bank sends the bill of exchange to its branch bank which nitifies
the importer who pay the bill in his currency. The branch bank keeps his money and
uses it to pay future bills of exchange presented by merchants in that country who have
goods to export.
47.Money in one country is_____.
a.the same at that in another b.different from that in another
c.difficult to solve d.called foreign exchange
48.A difficult problem of international trade would be solve_____
a.if money were the same in every country
b.if there were not banks
c.if our country’s money were good
d.if money were necessary
49.What does buying and selling foreign exchange refer to?
a.currency
b.buyers and sellers
c.a system of money
d.a system for exchanging the currency of the buyer into that of the seller
50.The exporter gives the bill of exchange to_____.
a.the importer’s bank b.the exporter’s bank
c.the branch bank d. the importing country
51. The importter pays _______.
a.the branch bank b.the exporter
c.the exporter’s bank d.his bank
TEST2
I.Choose the word which is pronounced diffirently from the others
1. a.account b.country c.county d.doubt
2. a.save b.safe c.bank d.make
3. a.large b.man c.back d.carry
4. a.pay b.may c.part d.day
5. a.small b.call c.withdraw d.company
II. Choose the right word or phrase that best completes the sentence.
6. ______ make it easier for us to pay bills and carry on business.
a.Banking b.Bank services
c.Checking accounts d.Banks
7. The money of a depositor is added to his_____.
a.credit card b.savings account
c.account d.deposit
8. Employers may______employees each week for his work.
a.pay b.lend c.borrow d.wage
9. .A man may not spend all his_____in a day.
a.payment b.pay c.expenditure d.income
10. It may be risky_____you to carry in your pocked a lot of money.
a.to b.for c.of d.about
11. You should not carry much_____money in your pocket.
a.unbought b.safe c.paper d.unspent
12. It may be dangerous for us_____money at home.
a.at holding b.in keeping c.to hide d.of saving
13. At the moment_____is running at 20%.
a.inflation b.subordination c.entry d.justification
14. Fruit is a(n)_____trade in Thailand.
a.staple b.prudential c.prospective d.redundant
15. If we put our money in a bank we are called a_____
a.lender b.giver c.depositor d.saver
III. Find the one choice that best completes the sentence
16. Banks provide services,_____,so that we can carry on our business more easily.
a.as checking accounts b.such checking accounts
c.such as checking accounts d.checking accounts
17. You can buy a lot of things, _____ ,with a credit card.
a.clothes, groceries, and furniture, example
b.as clothes, groceries,and furniture
c.such clothes, groceries,and furniture
d.such as clothes, groceries,and furniture
18. The bank receives money ______
a.so that it can keep the money safe
b. so that you can keep the money safe
c.in order to sell cheques.
d.in order not to help community
19. _____ is a very important industry in this country because it has a long coast of
2,500 kilometers.
a.swimming b.beach c.fishing d.sailing
20. Many bankers_____ more than one bank.
a.are having b.have had c.has had d.have
21. _____first when we do manual work.
a.safe b.safety c.safest d.safely
22. You can____ yourself some money if you take a bus.
a.save b.use c.spend d.waste
23. He came to our class and_____the map of the world.
a.borrow b.borrows
c.was borrowing d.borrowed
24. Make a_____ in the bank if you want to keep your money safe.
a.deposit (v) b.depositor
c.deposited d.deposit(n)
25. Yesterday they _____ hunting in the forest nearby.
a.got b.went c.had d.took
IV. Choose the words or phrases that are not correct in standard English
26. If you buy something by credit you pay for it at a later time
a b c d
27. A bank is a place of safeguarding or storage.
a b c d
28. Abank clerk is the person you work with when you open savings
a b c
account or cash a cheque
d
29. A person serving as an officer or owner of a bank is called a banking.
a b c d
30. Drink too much alcohol is very bad for you.
a b c d
31. He really enjoys listening his own voice.
a b c d
32. What’s wrong with lieing in bed all day?
a b c d
33. Her favorite sports are climb and skiing.
a b c d
34. Learning languages is a hard work.
a b c d
35. Mary hates to say goodbye when goes away.
a b c d
V. Choose the word (a,b,c or d) that best fits each of the blank spaces.
An increasing number of people are now going on(36)_____to Egypt.Last year,for
example,about one and a half million(37)_____ visited Egypt.The(38)______of Egypt is
about fifty milion and the(39)_____is EIQahira (Cairo),a busy city of just under nine
milion people.Although the(40)_____is hot and dry and most of the country is desert,the
average(41)_____from October to March is not too high.The most(42)_____are the
pyramids at Giza.However,it is also pleasant to(43)_____Alexandria,Port Said and
several other places and do as much(44)____as possible in the time
available.A(45)_____to Luxor is an unforgetable experience.
36. a.visit b.holiday c.trip d.excursion
37. a.tourists b.passengers c.voyagers d.explorers
38. a people b.citizenship c.nation d.population
39. a.town b.head c.state d.capital
40. a.temperature b.climate c.condition d.position
41. a.weather b.measurement c.temperature d.climate
42. a.famous b.known c.visited d.requested
43. a.search b.inspect c.examine d.visit
44. a.sightseeing b.looking c.inspecting d.viewing
45. a.picnic b.trip c.guide d.entertainment
VI. Read the following passage and choose the item (a,b,c or d) that best answers
each of the questions about it.
One day a well-known singer was invited by a rich lady to her house. His name
was Carney. He was asked to sing to the guests. But he was not invited to have dinner
with them;dinner was order for him downstairs together with day lady’s servants….
He has a good dinner and after that he addressed the servants.
“Well, now, my good friends,” he said, “I want to sing to you”.
The servants were,of course,very glad and so he sang to them.There was no
piano,but he sang for half an hour even without it.
At ten o’clock the singer was asked to come upstairs to sing to the lady’s
guest.Carney went there.All the guests were already waiting for him.
“We are ready”, said the lady.
“Ready for what”asked Carney.
“For your songs” she answered.
“But I sang only an hour ago and I can’t sing twice in the evening.”
“It’s impossible!Where did you sing?”exclaimed the lady.
“I sang downstairs and I’m sorry that you were not there,”said Carney.
“But I invite you to sing to us here,not the servants downstairs!”exclaimed the lady.
“But you know, I always have dinner with the company to which I sing”And with
these words he left the house.
46. Carney was ______.
a.a rich lady b.the lady’s guest
c.a famous singer d.the lady’s servant
47. The singer had a good dinner with____.
a.the rich lady b.the lady’s guests
c.his good friends d.the lady’s servant
48. The servants were very happy when____ .
a. they heard Carney sing b.they sang together
c.the singer was asked to come upstairs d.the singer had a good dinner
49. The singer said that_____.
a.he could sing for an hour
b.he only sang to those he had dinner with
c.he couldn’t sing in the evening
d.he was sorry that he was not there
50. The word “company”used in the story means_____.
a.business b.poor servants
c.group of people d.lady’s guests
TEST 3
I.Choose the word which is pronounced differently from the others.
1. a.special b.different c.weekend d.spend
2. a.such b.unspend c.number d.business
3. a.lunchtime b.but c.United d.shut
4. a.provide b.decide c.credit d.combine
5. a.ready b.easy c.each d.reach
II. Choose the right word or phrase that best completes the sentence.
6. You may put money in a small coin ______.
a.bank b.box c.pig d.bag
7. You put your money in a bank _____it safe.
a.keep b.keeps c.to keep d.keeping
8. A bank sends your money _____work.
a.off b.out off c.out to d.out
9. A bank receives money for_____
a.borrowing b.lending c.keeping d.safe-keeping
10. A bank____ loan to borrowers.
a.made b.make c.has make d.makes
11. The bank will always pay_____with a number.
a.cards b.credits c.cheques d.loans
12. The bank uses the money_____the community.
a.in help b.to help c.helping d.helps
13. Your money is_____with that of others.
a.combined b.used c.put d.withdrawn
14. The bank can make loan _____ individuals, organizations, goverments, and
businessese.
a.off b.to c.for d.with
15. Banks provide_____such as checking accounts.
a.business b.banking c.service d.works
III. Find the one choice that best completes the sentence
16. People can save money_______for future use.
a.putting money in a bank
b.for example putting money in a bank
c.such as putting money in a bank
d.like putting money in a bank
17. Nowadays,more and more people are using bank services, _____in their daily lives.
a.cheques,cheque cards and credit cards
b.with cheques,cheque cards and credit cards
c.such as cheques,cheque cards and credit cards
d.the same as cheques,cheque cards and credit cards
18. She locked the door_____.
a.in order not to be broken into
b.so that nobody could enter the house
c.so to go bed
d.so as not to enter the house
19. Every year they export a lot of _____ to other coutries in the world.
a.fishery b.fish c.fishing d.instant fish
20. Regular____ will make one healthy and strong.
a.walk b.walking c.walker d.walks
21. The plane arrived______ after a violent storm.
a.safe b.safety c.safest d.safely
22. He went to the bank_____a large sum of money to invest in his brother’s business.
a. to borrow b. borrow c. borrowing d. having borrowed
23. The United Nations______is an international one.
a.organization b.organizes c.organizing d.organize
24. The Worker’s Club is _____ a seminer on safety.
a.organization b.organizes c.organizing d.organize
25. His heavy drink_____makes him a poor role model.
a.and gambling b.and the fact that he gambles
c.and that he gambles d.and he gambles which
IV. Choose the words or phrases that are not correct in standard English.
26. Some people say that forget is better than remembering
A b c d
27. Looking animals can teach you a lot
a
b c d
28. What’s your job?-Hearing the phone and typing letters.
a b c d
29. He is very good about telling jokes
a b c d
30. Mary is busy to do her homework now.
a b c d
31. He was angry with my come late.
a b c d
32. There’s no point arguing with him about such a thing.
a b c d
33. He hates to be made fun at.
a b c d
34. Jackson was late because he was not well aware with the time.
a b c d
35. Most of us think of sharks as danger,due to a lack of information
a b c
rather than fear.
d
V. Choose the word (a,b,c or d) that best fits each of the blank spaces.
Since civilization began,gold has been regarded as a (36) ____ of power and
wealth.In many societies gold was seen as a (37) _____ substance which could protect
people (38) ______ illness and evil spirits.It is one material that has always been
accepted in (39) _____ for goods or services. Mankind nevers seems to have enough
gold and the search for it has driven men (40)______. The need to search for gold has
been compared to (41) ______, and is called “gold fever”.In the Middle Ages, men
called “alchemists”tried to manufacture gold (42) ______ other metals.
The first gold (43) _____ was issued by King Cross of Lydia in the sixth century
BC.Today gold still plays an important (44) _____ in the international monetary
system.It is likely that gold will always be valued as (45) ______ against
inflation.People can buy in the forms of bars, coins, and medals.
36. a.design b.sign c.symbol d.statue
37. a.magic b.magical c.wonders d.rare
38. a.to b.again c.from d.against
39. a.change b.changing c.place d.exchange
40. a.ill b.mad c.intelligent d.strong
41. a.richness b.flu c.disease d.illness
42. a.in b.to c.for d.from
43. a.thing b.paper c.coin d.note
44. a.divider b.main c.part d.section
45. a.protector b.protection c.preventor d.preventing
VI. Read the following passage and choose the item (a,b,c or d) that best answers
each of the questions about it .
Every four or ten year, some thing happens to the weather system. Everything
changes,and scientists don’t understand why.
People call this “EI Nino”.It usually happens at Christmas time and EI Nino is the
Spanish name for the baby Jesus.
The EI Nino that started in 1982 was different from the other recent ones.It
caused huge change in the ocean currents.It caused floods in some areas and
droughts in others.There was terrible windstorms and huge ocean waves swept houses
into the sea .It did billions of dollars worth of damage.Thousands of people lost their
lives and thousands of others were left homeless.
In 1983 the winds,ocean currents and pressure areas started to become normal
again.Scientists throughout the world are using satellites and research boats to observe
the atmosphere and the ocean.It is a very complicated problem, but if the scientists of
the world work together, they should be able to find out the causes of EI Nino .Then
they will be able to predict what will happen and work to prevent a repeat of the death
and destruction of 1982-1983.
46. How often does EI Nino happen?
a.every four years b.every ten years
c.every four ten years d.every four or ten years
47. The 1982 EI Nino was_____
a.a small one b.difference one c.drought d.storm
48. The 1982 EI Nino caused______.
a.droughts b.floods c.windstorms d.all are correct
49. Scientists around the world are______.
a.studying EI Nino b.watching it
c.looking for it d.worrying about it
50. 50.EI Nino_______
a.causes damage b.is mysterious
c.is a natural phenomenon d.all are correct.
TEST 4
I.Choose the word which is stressed diffirently from the others.
1. a.money b.receive c.borrow d.service
2. a.provide b.account c.pocket d.protect
3. a.credit b.community c.combine d.deposit
4. a.introduction b.individual c.combination d.government
5. a.organize b.lunchtime c.concern d.different
II. Choose the right word or phrase that best completes the sentence
6. ____cards have a special number
a.credit b.savings c.cheque d.account
7. Even after I____the coat,it_____some marks on it
a.washed/still have b.washed/still had had
c.wash/still have d.had washed/still had
8. In shops,the assistants put the cheque number____the back of the cheque.
a.about b.at c.in d.on
9. The number ______ the cheque.
a.guarantees b.assures c.identifies d.marks
10. The bank will always pay cheques _____ a number.
a.in b.with c.of d.for
11. _____ is the business of receiving,safeguarding,and lending the money.
a.Depositing b.Banking c.Making loans d.Serving
12. You can buy a lot of things with a _____.
a.credit card b.cheque c.banker card d.note
13. You can pay only one _____ for the credit card company.
a.credit card b.cheque c.banker’s card d.note
14. You pay _____ to the credit card company
a.banking b.cheques c.credit cards d.money
15. The goods will be dispatched immediately upon receipt of your _____ for 2.000.
a.sheet b.price list c.remittance d.quotation
III. Find the one choice that best completes the sentence.
16. You can put money, _____ in a large bank.
a.with coins and paper notes
b.as coins and paper notes
c.the same with coins and paper notes
d.such as coins and paper notes
17. You may put your money in a small coin bank_______.
a.in order to keep it safe
b.so as not to keep it safe
c.so that to keep it safe
d.not to keep it safe
18. He____a farmer because he _____on a farm.
a.is/works b.has been/works
c.was/has been worked d.is/work
19. How many kinds of_____do they export?
a.fishery b.fish c.fishing d.instant fish
20. You shouldn’t go____very early in the morning.
a.swim b.swimmer c.swims d.swimming
21. Try to keep your money_____from the burglars!
a.safe b.safety c.safest d.safely
22. He is a _____and his bank is a lender.
a.borrow b.borrower c.borrowing d.borrowed
23. It_____many international conferences to solve the world’s problems.
a.organization b.organizes c.organizing d.organize
24. Whenever you make a ____you will be a_____
a. deposit(v)/depositor b. depositor/ . deposit(v)
c. deposited/ deposit(n) d. deposit (n)/ depositor
25. The King_____for leisure.
a.is going to hunt b.was going to hunt
c.often hunts d.all are correct
IV. Choose the words or phrases that are not correct in standard English.
26. We hope to invite to the discussions of the company.
a b c d
27. Some of the American president,Andrew Johnson was a tailor before becoming president.
a b c d
28. When we got to the restaurant,we found that nobody had remembered
a b c
booking a table.
d
29. When I looked at my suitcase I could see that somebody tried to open it.
a b c d

30. After the telephone buzzed for long time, the doctor answers it.
a b cd
31. As soon as she arrived at the school,the children will begin cheering.
a b c d
32. The bunch of roses in the vase,by my bed,have surprisingly remained
a b c
fresh for more than a week.
d
33. I suppose we should decide up our mind whom we are going
a b
to elect before the meeting .
c d
34. John has spent 3 hours a week sorting out stamps.
a b c d
35. It is necessary to have a system in exchange the currency of the
a b
buyer into that of a seller.
c b
V. Choose the word (a,b,c or d) that best fits each of the blank spaces.
Albert Einstein(1879-1955) was a German-born American (36) ____ He finished
his secondary (37) _____ in Switzerland, (38) ______ entered the Swiss National
Polytechnic in Zurich.After his (39) _______ in 1900,he got a (40) _____ in the Swiss
patent office in Bern in 1902.In 1903 he married Milaca Marci,a classmate of his at the
polytechnic. In 1905 Einstein received his (41) _____ from the University of Zurich for a
(42) _____ on the dimensions of molecules.That same year,he published three (43)
______ of central importance to the development of 20
th
century physics.In his
papers,Einstein made significant (44) ____ about the motion of particles randomly
distributed in a fluid,and a revolutionary hypothesis that light can be(45) _____ as
consisting of particles with individual energies. In 1905 he published a remarkable paper
known as the special theory of relativity.
36. a.physicist b.chemist c.geneticist d.mathematician
37. a.graduation b.study c.school d.scholar
38. a.after b.at that time c.when d.and then
39. a.study b.graduation c.school d.degree
40. a.work b.task c.job d.career
41. a.doctor b.doctor degree c.doctorate d.degree of doctor
42. a.dissertation b.composition c.paper d.writing
43. a.texts b.writings c.papers d.discoveries
44. a.thinking b.predictions c.pre-tells d.guesses
45. a.seen b.thought c.told d.considered
VI. Read the following passage and choose the item (a,b,c or d) that best answers
each of the questions about it
If you ask some people: “How did you learn English so well”You may get a
surprising answer: “Inmy sleep!”
These are people who have taken part in one of the recent experiments to test
learn-while-you-sleep mothod,which are now being tried in several countries,and with
several subjects,of which English is only one.
Specialists say that this sleep-study method speeds language learning
tremendouly.They say that the average person can learn two or three times as much

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