maquetación 2 - grupo conforsa · buy traveller’s cheque comprar un cheque de viajes check...

5.1Inglés: Atención Telefónica

Handling the phone in the bank

UNIT 5 HANDLING THE PHONE IN THE BANK

5.1. Introduction

This is the last unit of this Telephoning course.

The title of this unit is HANDLING THE PHONE IN THE BANK.

We will learn how to handle the phone whenworking in a bank or when as a client we need tocall a bank to ask for some information, make acomplaint or enquiry some doubts we may have.So that, in the vocabulary section we will learnvocabulary related to the bank, some British andAmerican Financial Terms and bank expressions:

questions and answers.

Listen to the phone conversations in the Listening Sections and improve yourlistening skills and at the same time you’ll learn how to handle the phone whenasking information phoning the bank.

Let’s start with this unit. I hope you learn and enjoy it. Don’t forget to gothrough all the sections and repeat them as many times as you need to do it.

Enjoy learning!

Inglés: Atención Telefónica


5.2

5.2. Vocabulary

5.2.1. General vocabulary related to a bank

We will start having a look at some general words that we can use whenhandling the phone in the bank.

Bank words

Current account Balance Cheque book

Cuenta corriente Saldo Talonario de chequesCash card Debit card Savings account

Tarjeta de crédito Tarjeta de débito Cuenta de ahorrosPin number Interest Insurance

Código personal Interés SeguroBranch Bank account Loan

Sucursal Cuenta bancaria PréstamoDebt Check Window

Deuda Cheque VentanillaLine Interests Credit

Cola (de gente) Intereses CréditoDebit Cash Mortgage

Débito Dinero en efectivo HipotecaDeposit Foreign currency Safe

Depósito Moneda extranjera Caja fuerteStatement Safety deposit box Security number

Estado de cuentas Caja de seguridad Código de seguridadTelephone number Sign Endorse

Número de teléfono Firma AprobaciónOverdraft Negative balance Extra money

Saldo deudor Balance negativo Dinero extraNot enough money Payroll check Personal check

Dinero insuficiente Cheque de nómina Cheque personalBills Money order Application

Facturas Orden de pago SolicitudRemoval Cash machine

Supresión Cajero automático



People

Expressions

Creditor AcreedorDebtor DeudorCashier/Teller CajeroBank clerk Empleado bancarioBanker Banquero

High interest account Cuenta de alto interés

Hole-in-the-wall / Cashpoint/cash

machine/ ATMCajero automático

To be in the red / in the blackEstar en números rojos/no estar ennúmeros rojos

To open a bank account Abrir una cuenta bancariaTo write cheques Escribir cheques

To withdraw cash Sacar dinero efectivo

Pay it in/ Deposit IngresarPay in cash (money). Pagar en efectivo

Cash the cheque Cobrar el cheque

Direct bank transfer Transferencia directa de bancoChange money Cambio de dineroTelephone banking Banca telefónica

Internet banking Banca por internetRate of interest Tipo de interésApply for a credit card Solicitar tarjeta de créditoBuy traveller’s cheque Comprar un cheque de viajesCheck account balance Comprobar el estado de la cuentaOpen a savings account Abrir una cuenta de ahorroOrder checks Encargar chequesPay off a loan Liquidar un préstamoPay the bills online Pagar las facturas por InternetRent a safety deposit box Alquilar una caja fuerteTake out a loan Obtener un préstamoTransfer money Hacer una transferencia de dineroUse a debit card Utilizar una tarjeta de débitoWithdraw money Sacar dineroWrite the number Escribir el número



5.4

Currencies and ways of paying

Richness

We can use several words to describe how rich someone is. Here we are a listfrom very rich to very poor.

$ = Dollar Dólar americano€ = Euro Euro£ = Pound (sterling) Libra (esterlina)¥ = Yen YenCash Dinero en efectivoCredit card Tarjeta de créditoCoin(s) Moneda(s)Note(s) Billete(s)Cheque(s) Cheque(s)

Filthy rich Riquísimo/aStinking rich/ Wealthy Muy rico/aRich Rico/aProsperous Próspero/aAffluent/Well off Acomodado/aHard-up Sin dineroNeedy/in need Necesitado/aBroke/Poor/ Penniless Pobre, sin dineroImpoverished Empobrecido/aPoverty-stricken Pobrísimo, indigente



5.2.2. Bank expressions

The following are some expressions that we can use when having a phoneconversation related to bank items.

1. Asking for information about banking accounts

Questions

Good morning, I’m Mr. Smith and I’m calling because I would like to knowsome information about my account.Buenos días, soy el Señor Smith y llamo porque me gustaría obtenerinformación sobre mi cuenta.

My account number is 32451.Mi número de cuenta es 32451.

I want to make a transfer from this bank to another. Can you help me?Quiero hacer una transferencia de este banco a otro. ¿Puede ayudarme?

I want to transfer 200 pounds.Quiero transferir 200 libras.

Could you give me the balance of my savings account?¿Me puede decir el saldo de mi cuenta de ahorro?

What do I have to do to rent a safety box?¿Qué tengo que hacer para alquilar una caja fuerte?

Is it necessary to have a debit card?¿Es necesario tener una tarjeta de crédito?

Could you tell me if I will be able to withdraw money in Malaysia?¿Podría decirme si podré sacar dinero en Malasia?

Which documents are necessary to take to the bank to take out a loan?¿Qué documentos son necesarios llevar al banco para obtener unpréstamo?

When do I need to go to the bank to sign the papers?¿Cuándo necesito ir al banco para firmar los papeles?



5.6

I’m phoning because I am interested in opening a checking account.Llamo porque estoy interesado en abrir una cuenta de cheques.

What are the advantages and disadvantages?¿Cuáles son las ventajas y desventajas?

When will you send me my new credit card?¿Cuándo me enviarán mi tarjeta de crédito nueva?

When will I receive the traveller’s check?¿Cuándo recibiré los cheques de viajes?

I would like to apply for a loan.Me gustaría solicitar un crédito

I have forgotten my PIN code, are you able to tell me it?He olvidado mi número PIN, puede decírmelo?

Could you tell me if the debit card is free of charge?¿Podría decirme si la tarjeta de débito está libre de cargos?

Answers

Good morning. How can I help you?¿En qué puedo ayudarle?

What can I do for you?¿Qué puedo hacer por usted?

Yes, could you tell me your account number? I only need to know the lastfive digits.Sí, ¿podría decirme su número de cuenta?. Sólo necesito saber los cincoúltimos dígitos.

Could you tell what is the titular name and surname of the account?¿Podría decirme cuál es el nombre y apellido titular de la cuenta?

Please, tell me the number of the account you want to make the transferto.Por favor, dígame el número de cuenta a la que quiere hacer latransferencia.



How much money would you like to transfer now?¿Cuánto dinero quiere transferir ahora?

Your new credit card will be at your address in five days approximately.Su tarjeta de crédito nueva estará en su domicilio en cinco díasaproximadamente.

If you prefer it, you can come here to the bank and get it yourself.Si lo prefiere, puede venir al banco y cogerla usted mismo.

You need to bring me your identity card, and your social security number.Ialso need an original copy of your last payroll.Necesita traer su carné de identidad, y su número de la seguridad social.También necesito una copia original de su última nómina.

You don’t have enough money to pay the bill.No tiene dinero suficiente para pagar la cuenta.

There is no enough money on your account to make the transfer.No hay dinero suficiente en su cuenta para hacer la transferencia.

Yes, of course, the balance is 2,500 pounds.Sí, por supuesto, el saldo es de 2.500 libras.

2. Asking for information about telephone and on-line accounts

Questions

I would like some information about online banking services offered atyour bank.Me gustaría obtener información sobre los servicios bancarios que ofrecesu banco.

How would I sign up?¿Cómo firmaría?

What kind of things could I do?¿Qué cosas podría hacer?

What kind of services the bank would offer me?¿Qué tipo de servicios me ofrecería el banco?



5.8

I’d also like some information on the telephone banking services.También me gustaría saber información sobre los servicios bancariostelefónicos.

Please, tell me how the telephone banking works.Por favor, dígame cómo funciona la banca telefónica.

How would I access my account? How could I select the option I want?

What kind of things could I do?¿Cómo accedería a mi cuenta?

How would you help me if I had any problems?¿Cómo podría seleccionar la opción que quiera?

How could I make a transfer?¿Cómo podría hacer una transferencia?

What kind of things could I do? ¿Qué tipo de cosas podría hacer?

Where could I find more information?¿Dónde podría encontrar más información?

Answers

What would you like to know?¿Qué le gustaría saber?

You need an e-mail account, and after having it, you have to register onthe bank’s website.Necesita una cuenta de correo electrónico, y después, tiene queregistrarse en la página web del banco.

You will need a user name and a password.Necesitará un nombre de usuario y una clave.

With online banking you can check to see how much money is in youraccount, or anything related to it, as for example if a check has beencashed.Con el banco on-line puede ver cuánto dinero hay en su cuenta, o



cualquier cosa relacionada con ello, como por ejemplo si un cheque hasido cobrado.

You can transfer money between your accounts.Puede transferir dinero entre las cuentas.

You can do all your day-to-day banking over the telephone.Puede hacer sus operaciones bancarias a través del teléfono.

You just call the bank, key in your PIN number and listen to the availableoptions.Sólo llame al banco, introduzca su número PIN y escuche las opcionesdisponibles.

You can check your balance, pay bills or order a statement if you want to.- Puede comprobar su saldo, pagar facturas y encargar alguna orden si

quiere.

You need to have a special account for that service.Necesita tener una cuenta especial para ese servicio.

There is an automated answering machine 24 hours available.Hay un contestador automático disponible 24 horas.

You can find more information on our website.Puede encontrar información en nuestra página web.

If you have any doubt, please call us and we will inform you.Si tiene alguna duda, por favor, llámenos por teléfono y le informaremos.



5.10

5.2.3. British and American financial terms

British and american finantial terms

Let’s see now a list of financial terms that are spelled in a different way in Britishand American English.

5.2.4. Bank problems

We are going to see now some situations where we have to use the phone toask the bank for solving a problem.

Questions

Excuse, I have a money charge on my account, and I haven’t boughtanything.Disculpe, tengo un dinero cargado en mi cuenta, y no he comprado nada.

BRITISH ENGLISH AMERICAN ENGLISH

Authorised shared

capital

Authorized capital

stockCapital autorizado

Base rate Prime rate Tipo de interésBonus Stock dividend Dividendo adicionalBridging loan Bridge loan Préstamo puente

Building societiesSavings and loan

associations

Sociedades depréstamosinmobiliarios

Cheque Check ChequeCheque book Checkbook TalonarioCompany Corporation CompañíaCreditors Accounts receivable AcreedoresMerchant Bank Investment bank Banco mercantilOrdinary share Common stock Cuota ordinariaOverheads Overhead Gastos generalesProperty Real state PropiedadQuoted company Listed corporation EmpresaShare Stock CuotaStock Inventory InventarioFill in Fill out Rellenar



The telephone company has told me that they have been sent back thetwo last bills. Could you tell me what has happened?La compañía telefónica me ha dicho que les han sido devueltas las últimasdos facturas. ¿Podría decirme qué ha pasado?

Can you tell me why it hasn’t been paid the water receipt?¿Puede decirme por qué no ha sido pagado el recibo del agua?

Yesterday, I made a transfer to another account and I have just checkedthat the money hasn’t been charged yet. Can you tell me if there’s anyproblem?Ayer, hice una transferencia a otra cuenta y acabo de comprobar que eldinero no ha sido cargado aún. ¿Puede decirme si hay algún problema?

I have a problem with my credit card. I can’t pay at any shop using it.Could you check out what happens with it? I’ll tell you my accountnumber.Tengo un problema con mi tarjeta de crédito. No puedo pagar en ningunatienda con ella. ¿Puede comprobar lo que pasa? Le diré mi número decuenta.

Can you help me? The bank’s machine has just broken off, and my creditcard is inside it. What can I do?¿Puede ayudarme? El cajero automático se ha estropeado, y mi tarjetade crédito está dentro. ¿Qué puedo hacer?

I would like to cancel my credit card, because I have lost itMe gustaría cancelar mi tarjeta de crédito, porque la he perdido.

Someone’s robbed my wallet. I have my credit cards in it, so I would likeyou to cancel all of them.Alguien me ha robado el monedero. Tengo mis tarjetas de crédito en él,por lo que me gustaría cancelarlas todas.

When will I be able to have my new credit cards?¿Cuándo tendré mis tarjetas de crédito nuevas?

I can’t withdraw money at the bank machine. It says that my PIN numberis not correct. I’ll tell you the code.No puedo sacar dinero del cajero automático. Dice que número PIN eserróneo. Le diré el código.



5.12

Excuse me, I’m trying to enter into your website to see my accountbalance, and I can’t. Is there any problem with it?Disculpe, estoy intentando entrar en su página web para ver el saldo demi cuenta, y no puedo, ¿hay algún problema?

Answers

The following statements are possible answers and solutions we can expectwhen we have a problem with the bank:

Wait a minute, sir, I’m going to check your account. Could you tell me yourname, please?Espere un minuto, señor. Voy a comprobar su cuenta. ¿Podría decirme sunombre, por favor?

There must be a terrible mistake. We’ll solve it immediately.Debe haber un terrible error. Lo resolveremos inmediatamente.

You don’t have enough money in your account to pay the bills.No tiene suficiente dinero en su cuenta para pagar las facturas.

You have a limit on your credit card of 500 pounds a week. That’s why youcan’t pay any more.Tiene un límite en su tarjeta de crédito de 500 libras a la semana.

Could you tell me the number of your credit card?¿Podría decirme el número de su tarjeta de crédito?

You must cancel the credit card. We will send you a new one in a few days.Debe cancelar la tarjeta de crédito. Le enviaremos una nueva en pocosdías.

The problem is that your credit card has been cancelled. You have to applyfor a new one, if you want.El problema es que su tarjeta de crédito ha sido cancelada. Tiene quesolicitar una nueva, si quiere.

I’m sorry, sir, but we are having problems with our website all day. I hopeit will be solved tomorrow in the morning.Lo siento, señor, pero estamos teniendo problemas con nuestra páginaweb. Espero que esté solucionado mañana por la mañana.



Try it again, please. Perhaps you have entered the wrong code.Inténtelo de nuevo, por favor. Quizás ha introducido el código incorrecto.

5.2.5. Exercises

Exercise 1. In the following exercise, you have to decide if the sentences aretrue or false.

1. Apply for a credit card means solicitar una tarjeta de débito.

2. Withdraw money means sacar dinero.

3. Pay off a loan means pedir un préstamo.

4. Open a savings account means abrir una cuenta de ahorro.

5. Check the account balance means comprobar el estado de la cuenta.

6. Transfer money means transferir dinero.

7. Use a debit card means utilizar una tarjeta de crédito.

Exercise 2. Now, you have to match the words in the left column to the wordsin the right one.

1. BRANCH A. BANQUERO

2. BALANCE B. SUCURSAL

3. LOAN C. SIN DINERO

4. SAFE D. PRÉSTAMO

5. NEEDY E. BILLETE

6. HARD-UP F. EFECTIVO

7. RICH G. NECESITADO

8. NOTE H. SALDO

9. CASH I. RICO

10. BANKER K. CAJA FUERTE



5.14

Exercise 3. Can you order the words to form correct sentences?

1. 32451 NUMBER MY ACCOUNT IS

2. POUNDS WANT 200 I TRANSFER TO

3. HAVE CARD IS A NECESSARY TO DEBIT IT?

4. ADVANTAGES WHAT DISADVANTAGES THE AND ARE?

5. APPLY I LOAN LIKE A FOR TO WOULD

6. DON’T BILL TO HAVE YOU THE MONEY PAY ENOUGH

7. TELL CHARGE CARD COULD THE FREE ME DEBIT YOU IS OF?

8. CREDIT WILL SEND WHEN NEW ME CARD YOU MY?

9. TRANSFER HOW LIKE NOW MUCH TO WOULD YOU MONEY?

10. FORGOTTEN CODE MY I PIN HAVE



5.3. Listening

Listening comprehension is probably the most difficult task for almost alllearners of English. So for that reason, it is very important to practice yourEnglish with the following conversations. Listening comprehension will help youbuild your vocabulary as well.

5.3.1. Listening 1

Nowadays, you can use the Internet to do some banking on your computer.Listen to this phone conversation in which I am asking for some informationabout on line banking.

Teller: Hello. How can I help you today?

Matthew: I would like some information about on line banking services offeredat by your bank.

Teller: What would you like to know?

Matthew: How do I sign up?

Teller: You need an e-mail account. Once you have an e-mail account you haveto register on the bank's website. You will need a user name and a password.Don’t forget to use a password difficult to guess for other people. For example,don’t use your date of birth or your phone number. A combination of numbers,letters, or symbols is best. Also banks may add protection and require you tohave a special security question.

Matthew: What kind of things can I do?

Teller: With online banking you can check to see how much money is in youraccount, if a deposit went through, or if a check was cashed. You can transfermoney between your accounts in the same bank, or have the bank pay somebills. Online banking let you have as look to your accounts from home or yourwork. Is that all? Do you have any other question?

Matthew: Sure. I'd like some information on the telephone banking as well.Can you tell me how the telephone banking services work?



5.16

Teller: You can do all your day-to-day banking over the telephone, 24 hours aday. Just call the bank, key in your PIN number and listen to the menu ofoptions available. With this service you can check your balance, pay bills, ordera statement or even transfer money to another bank.

Matthew: That’s great Thanks for all your help. I will sign up.

Teller: Thanks for your calling. If you have any doubt, do not hesitate in callingus.

5.3.2. Listening 2

A checking account is a service provided by financial institutions such as banksor credit unions which allow people to pay their bills and other expenses Theterms of a checking account may vary from bank to bank, but in general achecking account holder can use personal checks in place of cash to pay debts.Listen to the telephone recording and then the conversation between Susanand the tele-banker. She is interesting in opening a checking account.

Telephone recording: Welcome to ADB Bank's automated touch toneinformation service. Press 1 for banking hours, press 2 for savings or moneymaker accounts, press 3 for money transfers, press 4 for account interest rates,press 5 to speak with a Tele-Banker, press 6 at anytime to return to the mainmenu, press 7 to end the call. Thank you.

(Susan Presses 5)

Tele-banker: Good morning? How can I help you?

Susan: Good morning. I am phoning because I am interested in opening achecking account. And I would like some information first. What are theadvantages?

Tele-Banker: There are numerous advantages to checking accounts. If you havea checking account you can access your money by writing a check, setting upan automatic transfer or using your debit card. It is safer to carry checks thanmoney. Also, a checking account lets you pay your bills through the mail, ratherthan in person. A checking account helps you budget your money. As you needmoney, you draw or transfer funds by writing a check. You can issue a checkpayable to another person or to a company to pay bills or to get cash.

We offer some checking account service for our customers, but we require a



minimal initial deposit before establishing a new account, along with proof ofidentification and address.

Susan: Thank you very much. You’ve been very helpful

Tele-Banker: You’re welcome. Bye

5.3.3. Exercise

1. Complete the dialogue:

Phone the bank

Manager: Hello. What _______ I do for you?

Matthew: My name is Matthew Penner. I would like some information

about __________ a bank _________.

Manager: What kind of account would you like to _____?

Matthew: I want to open a _______ account.

Manager: How much would you like to _______ today?

Matthew: I have $400 in _________.

Manager: I’ll get you the _________ forms to _____ out. You’ll receive your new bank ________ in about two weeks.

Matthew: Thank you very much.



5.18

5.4. Speaking

In this unit we are going to know how to pronounce the main items used whenwe want to ask for information about bank services.

After this, I will ask you some questions and I hope you answer me!

Let’s start if you are ready now!

You will learn now to pronounce some words used when handling the phone inthe bank.

On-line banking /ɑnlajn bæŋkɪŋ/Telephone banking /tɛləfon bæ:ŋkɪŋ/Apply for a loan /əplaj fɔr ə lo:n/ Withdraw money /wəðdrɒ məni/Notes /nouts/ Bill /bɪl/Coins /kɔjnz/Transference /træ:nsfərəns/Safety deposit box /sefti dəpɑzət bɑks/Money order /məni ɔrdər/ Cash machine /kæʃ mɪʃin/Overdraft /ovərdræft/Balance /bæləns sajn/Sign /sajn/

I’ll ask you now some questions about bank services.

1. Have you ever use on-line banking? And telephone banking?2. What do you prefer the usual banking or the on-line banking? Why?3. Do you use the phone to ask for information about your banking accounts?4. Do you think it is safe having your money on an on-line account? Why?5. How much do you usually spend in a day?6. Do you have credit cards? And debit cards?7. Do you think credit cards are a good thing? Why?8. Have you ever applied for a loan? Do you think it is easy to get a loan

nowadays?9. What do you think is better: to pay cash or by credit card? Why?10. Do you like to withdraw money at a bank machine?



5.5. Practice

5.5.1. Vocabulary

Exercise 1. Complete the following text:

Once you have an e-mail ________ you have to ____ on the bank's website.You will need a ____ ______ and a ________.

Don’t forget to use a password difficult to guess for other people. For example,don’t use your date of birth or your ____ number. A combination of numbers,letters, or ________ is best. Also ______ may add protection and ______ youto have a special _______ question.

Exercise 2. Choose the correct answer.

register user name symbols banks phone require password securityaccount

euro/yen/ pound/cheque

euro/ yen/ pound/cheque

notes/yen/ pound/cheque

euro/yen/ pound/cheque

euro/ yen/ pound/cheque

american dollar/yen/ pound/cheque

cash machine/cheque book/ poor/wallet

piggy bank/credit card/ cheque/wallet



5.20

Exercise 3. Translate the following sentences into English:

1. No te olvides de escribir en el sobre el remitente, destinatario, y códigopostal.

2. Envíame una postal de Francia cuando estés allí.

3. ¿Hay una sucursal de mi banco cerca?

4. Todo el mundo paga intereses por su hipoteca

5. ¿Tiene tu abuelo muchas cuentas bancarias?

6. El cajero (empleado) me dio el dinero en billetes.

7. Quiero una cuenta de depósito y una de ahorros.

8. Rellene estos impresos.

9. Voy a ingresar 100 euros en el banco.

10. ¿Cuánto tengo que pagar de comisiones por el servicio?

Exercise 4. Tick the word that is a British financial term:

1. Cheque2. Fill in3. Stock4. Corporation5. Check6. Property7. Real State8. Bonus



9. Checkbook

10. Share

5.5.2. Grammar

Exercise 5. Complete the sentences using one verb from the box:

1. Have you considered _____ in another house?

2. My mother tried to avoid ______ my question.

3. Sarah gave up ________ last year.

4. I like that person. I enjoy _______ to her.

5. She tried to avoid _____ the truth.

6. She said se doesn’t fancy ______ out tonight.

7. My brother suggests _______ my birthday next week.

8. I am sorry. I regret _______ what I have said.

9. Have you finished ________ your lunch?

10. My computer keeps _________ badly.

Exercise 6. Complete the sentences with the correct verb:

1. We decided ______ to the wedding.

2. I have promised my parents ______ at home at 10 pm.

3. Don’t forget ________ the letter I gave you.

4. I want _______ a new car in the near future.

go celebrate eat tell live say talk smoke work answer

post sweep buy come use go be have stay earn



5.22

5. I haven’t learnt _______ the washing machine yet.

6. Would you like ________ to the beach?

7. This family seems _______ a lot of money.

8. She agrees ________ more responsibilities.

9. I am glad _______ in your house.

10. She refused _________ the floor this week.

Exercise 7. In the following conditional sentences, choose the right option:

1. If I lose my keys, I won’t open the door.I wouldn’t open the door.

2. If John phones me again, I would be happy.I will be happy.

3. My mother will be angry if I go there.I would go there.

4. If you are annoyed, She would be sad.She will be sad.

5. If I won a prize, I would go on holydays.I will go on holydays.

6. My parents would be happier if I study a degree.I studied a degree.

7. If I were you, I would travel a lot.I will travel a lot.

8. If I were rich, I will invite you.I would invite you.

9. If I were 18, I will study.I would study.



10. If you study, you would pass the exam.you will pass the exam.

Exercise 8. Put the verb into the correct form:

1. They _________ angry if I ________ to visit them. (be/not go)

2. Mary _________ this problem if you ________ her. (understand/explain)

3. ______you ___ to my birthday party if John ______ you? (go/ask)

4. What _____ you _____ if you _______ the lottery? (do/win)

5. If I _____ _____ to work tomorrow I ________ ________ at home allday. (not go/stay)

6. I _________ ____ frightened if somebody __________ a gun at me.(be/point)

7. If it _______ raining we _____ _____ for a walk in the park. (stop/go)

8. What _________ you ___ if you _______ a wallet in the street? (do/find)

9. I ________ ______ going surfing if I _______ the sea. (like/like)

10. If we ________ more money we _______ ______ to Australia thissummer. (have/go)

Exercise 9. Complete the sentences writing the verbs correctly:

1. I wish I _____ you were here I ________ to visit you. (know/go)

2. If the girl _____ hungry, she _________ something. (be/eat)

3. I wish I _______ too much alcohol. I ________ to you seriously. (notdrunk/talk)

4. If I _________ money I _________ a cab. (have/take)

5. I _________ angry if you ________ my piece of pizza. (not be/eat)

6. If I _______ your telephone number I ________ you. (know/phone)



5.24

7. I _________ the film if it ________ in Chinese. (understand/ not be)

8. If you ________ to me all the time, I ________ the music. (talk/hear)

9. If we _________ more time we __________ more clothes. (have/buy)

10. If you ________, you __________ the exam. (study/pass)



5.6. English World

I am fascinated with Canada. I have never been there, but after learning aboutit I have decided to go some day. Here you can learn about Canada and itscapital.

Canada

Canada is a country occupying most of northernNorth America, extending from the Atlantic Ocean inthe east to the Pacific Ocean in the west andnorthward into the Arctic Ocean.

Canada is a country on the Continent of NorthAmerica. The country covers the area between Atlantic Ocean and the PacificOcean. It is surrounded by the Arctic Ocean on the north and the United Statesto the South.

Ottawa, Canada's Capital, sits on the border between the provinces of Ontarioand Quebec in central Canada. It was made capital of the British colonialProvince of Canada in 1857. In the 20th century, a much larger Capital regionwas created to serve as a frame for Canada’s Capital. Since 1969, Ottawa andGatineau and the surrounding urban and rural communities have been formallyrecognized as Canada’s Capital Region

Interesting Facts About Canada

Here there are some interesting facts about Canada:

The life expectancy here in Canada according to recent studies show menlive to be to the average of 77 years where as the women have a longerlife expectancy and live to be around 84 years

The province with the biggest population is Ontario with an outstanding12.5 million people. Quebec is the second highest populated area with 7.6million people.

Basketball was invented by a Canadian named Dr. James Naismith. Andmore inventions such as the electric light bulb, the electric range, the



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electron microscope, the telephone, standard time, the television, and thezipper, and the first snowmobile were invented in this remarkable country.

Canada is the second largest country in the world next to Russia. The areasize of Canada is a whopping 9,984,670 square kilometres.

Canada has the longest coastline in the world, about 243,000 kms inlength.

The official languages of Canada are English and French.

Did you know all this?



5.7. Solutions

5.2. Vocabulario

5.2.5. Exercises

Exercise 1. In the following exercise, you have to decide if the sentences aretrue or false.

1. T2. F3. T4. T5. T6. F

Exercise 2. Now, you have to match the words in the left column to the wordsin the right one.

1. B2. H3. D4. K5. G6. C7. I8. E9. F10. A

Exercise 3. Can you order the words to form correct sentences?

1. My account number is 32451.2. I want to transfer 200 pounds.3. Is it necessary to have a debit card?4. What are the advantages and disadvantages?5. I would like to apply for a loan.6. You don’t have enough money to pay the bill.7. Could you tell me if the debit card is free of charge?8. When will you send me my new credit card?9. How much money would you like to transfer now?10. I have forgotten my pin code.



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5.3. Listening

5.3.3. Exercise

1. Complete the dialogue with the words below:

Manager: Hello. What can I do for you?

Matthew: My name is Matthew Penner. I would like some information aboutopening a bank account.

Manager: What kind of account would you like to open?

Matthew: I want to open a savings account.

Manager: How much would you like to deposit today?

Matthew: I have $400 in cash.

Manager: I’ll get you the application forms to fill out. You’ll receive your newbank cards in about two weeks.

Matthew: Thank you very much.

5.5. Practice

5.5.1. Vocabulary

Complete the following text:

Once you have an e-mail account you have to register on the bank's website.You will need a user name and a password. Don’t forget to use a passworddifficult to guess for other people. For example, don’t use your date of birth oryour phone number. A combination of numbers, letters, or symbols is best.Also banks may add protection and require you to have a special security

question.



Exercise 2. Choose the correct answer.

1.yen2. cheque3. notes4. pound5. euro6. American dollar7. cash machine8. credit card

Exercise 3. Translate the following sentences into English:

1. No te olvides de escribir en el sobre el remitente, destinatario, y códigopostal.Don’t forget to write on the envelope the sender, address, and ZIP

code.

2. Envíame una postal de Francia cuando estés allí.Send me a postcard from France when you are there.

3. ¿Hay una sucursal de mi banco cerca?Is there a branch of my bank near here?

4. Todo el mundo paga intereses por su hipotecaEverybody pays interests for their mortgage

5. ¿Tiene tu abuelo muchas cuentas bancarias?Has your grandfather many accounts?

6. El cajero (empleado) me dio el dinero en billetes.The cashier gave me the money in notes.

7. Quiero una cuenta de depósito y una de ahorros. I want a deposit account and a savings account.

8. Rellene estos impresos.Fill in these forms.

9. Voy a ingresar 100 euros en el banco.I am going to pay in 100 euros in the bank.

10. ¿Cuánto tengo que pagar de comisiones por el servicio?How much bank charges do I have to pay for the service?



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Exercise 4. Tick the word that is a British financial term:

1. Cheque2. Fill in3. Stock4. Corporation5. Check6. Property7. Real State8. Bonus9. Checkbook10. Share

Exercise 5. Complete the sentences using one verb from the box:

1. Have you considered living in another house?2. My mother tried to avoid answering my question.3. Sarah gave up smoking last year.4. I like that person. I enjoy talking to her.5. She tried to avoid telling the truth.6. She said se doesn’t fancy going out tonight.7. My brother suggests celebrating my birthday next week.8. I am sorry. I regret saying what I have said.9. Have you finished eating your lunch?10. My computer keeps working badly.

Exercise 6. Complete the sentences with the correct verb:

1. We decided to come to the wedding.2. I have promised my parents to be at home at 10 pm.3. Don’t forget to post the letter I gave you.4. I want to buy a new car in the near future.5. I haven’t learnt to use the washing machine yet.6. Would you like to go to the beach?7. This family seems to earn a lot of money.8. She agrees to have more responsibilities.9. I am glad to stay in your house.10. She refused to sweep the floor this week.



Exercise 7. In the following conditional sentences, choose the right option:

1. If I lose my keys, I won’t open the door.

2. If John phones me again, I will be happy.

3. My mother will be angry if I go there.

4. If you are annoyed, She will be sad.

5. If I won a prize, I would go on holydays.

6. My parents would be happier if I studied a degree.

7. If I were you, I would travel a lot.

8. If I were rich, I would invite you.

9. If I were 18, I would study.

10. If you study, you will pass the exam.

Exercise 8. Put the verb into the correct form:

1. They would be angry if I didn’t go to visit them.

2. Mary would understand this problem if you explained her.

3. Would you go to my birthday party if John asked you?

4. What would you do if you won the lottery?

5. If I didn’t go to work tomorrow I would stay at home all day.

6. I would be frightened if somebody pointed a gun at me.

7. If it stopped raining we would go for a walk in the park.

8. What would you do if you found a wallet in the street?

9. I would like going surfing if I liked the sea.

10. If we had more money we would go to Australia this summer.



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Exercise 9. Complete the sentences writing the verbs correctly:

1. I wish I had known you were here I would have gone to visit you.

2. If the girl had been hungry, she would have eaten something.

3. I wish I hadn’t drunk too much alcohol. I would have talked to youseriously.

4. If I had had money I would have taken a cab.

5. I wouldn’t have been angry if you had eaten my piece of pizza.

6. If I had known your telephone number I would have phoned you.

7. I would have understood the film if it hadn’t been in Chinese.

8. If you hadn’t talked to me all the time, I would have heart the music.

9. If we had had more time we would have bought more clothes.

10. If you had studied, you would have passed the exam.

maquetación 2 - grupo conforsa · buy traveller’s cheque comprar un cheque de viajes check...

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