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