1. FunctionsSkillsListeningDictationSpeaking Unit 5 Going to the Bank In this unit, you will: A. Review addresses. B. Learn and understand conversations commonly used at banks. C. Learn how to deposit money, withdraw money, and open an account.

2. FunctionsSkillsListeningDictationSpeakingAddresses Section A Directions: Listen to the sentences below and then repeat, paying attention to your pronunciation of the addresses. 1. The Greens live at 87 King Street. 2. I’m now at Frank House Inn, 125 Oak Avenue. 3. The Smiths have moved to 236 Pine Drive. 4. Here is my present mailing address: 435 5th Avenue, New York. 5. The Prime Minister of Great Britain works and lives at No.10 Downing Street. 6. The lecture is being given in Ball Room 6, Krauss Building. 7. Presently, she is staying in Room 1866 at the Hyatt Hotel. 8. My e-mail address is folm@yahoo.com.

3. FunctionsSkillsListeningDictationSpeakingAddresses Section B Directions: You will hear eight addresses. Listen to each of them carefully and then write it down as quickly as you can. The addresses will be spoken only once. 1. ________ 2. ________ 3. ________ 4. _________ 5. ________ 6. ________ 7. ________ 8. _________ Key

4. FunctionsSkillsListeningDictationSpeakingAddresses 1. 38 Queen Street 2. No.5 Wall Street 3. 1480 32nd Avenue 4. 7 Oxford Road, London 5. Room 1720 6. kfe@edu.cn 7. add@263.net 8. Building 21

5. FunctionsSkillsListeningDictationSpeaking Basic Skills Questions Good afternoon, may I help you? How much money would you like to withdraw/deposit? May I see your ID, please? What kind of bank account would you like? What kind of credit limit do you want? Answers Yes, I’d like to make a deposit/withdrawal. I’d like to apply for a bank account/loan/credit card. I’d like to withdraw/deposit yuan/dollars. Sure./Here you are. I’d like a high yield/low interest/high interest account. I’d like a yuan/dollar credit limit on my credit card. Read and memorize the following expressions.

6. FunctionsSkillsListeningDictationSpeaking Listening Comprehension Section A Directions: Listen to the conversation. Then mark the answer you think is best. The conversation will be spoken twice. Before you listen, learn the following words and expressions:

7. FunctionsSkillsListeningDictationSpeaking Listening Comprehension Words & Expressions deposit n. 存款 v. 将钱存入银行 account n. 帐户 personal a. 私人的 cash n. 现金 slip n. 纸条 withdrawal n. 提款，取款 loan n. 贷款 confirm v. 确认 receipt n. 收条，收据

8. FunctionsSkillsListeningDictationSpeaking Listening Comprehension 1. What does the man want to do? a. To open an account. b. To make a withdrawal. c. To make a deposit. d. To make a loan. 2. What does the woman first ask the man to do? a. To take a seat. b. To wait a minute. c. To show his ID card. d. To fill out a form. 3. How does the man fill in the form? a. He just signs his name on it. b. He stands by the window and fills in his information. c. He takes a seat and fills the form out. d. He asks a person present to fill out the form for him. 4. Why does the woman return the slip to the man? a. The man has forgotten to sign his name on it. b. The man wants to make some changes. c. She wants the man to confirm the numbers on it. d. The man will keep it as a receipt. 5. What can we know from the conversation? a. The man gets some cash from the bank. b. The man cashes two personal checks in the bank. c. The man deposits both of his two personal checks. d. The man pays some cash to buy two checks. Tape ScriptKey

9. FunctionsSkillsListeningDictationSpeaking Listening Comprehension Man:Good afternoon. I’d like to make a deposit. Woman:OK. Please fill out this form with your name, bank account number, and the amount that you want to deposit. Man:Okay. Wait just a minute. Woman:No problem. You can take a seat, and come to the window when you are finished. [Sound of walking feet a few minutes later] Man:Thank you. Here you are. Woman:OK … So you’re depositing two personal checks. Please wait one moment … Man:Oh, excuse me … Could I also get some cash back from those checks? Woman:Of course … Here’s your deposit slip again. Please write down the amount that you’d like in cash, and then sign your name on the line. Man:Here you are. Thanks so much for your help. Woman:It’s my pleasure. Key

10. FunctionsSkillsListeningDictationSpeaking Listening Comprehension 1. What does the man want to do? a. To open an account. b. To make a withdrawal. c. To make a deposit. d. To make a loan. 2. What does the woman first ask the man to do? a. To take a seat. b. To wait a minute. c. To show his ID card. d. To fill out a form. 3. How does the man fill in the form? a. He just signs his name on it. b. He stands by the window and fills in his information. c. He takes a seat and fills the form out. d. He asks a person present to fill out the form for him. Tape Script

11. FunctionsSkillsListeningDictationSpeaking Listening Comprehension 4. Why does the woman return the slip to the man? a. The man has forgotten to sign his name on it. b. The man wants to make some changes. c. She wants the man to confirm the numbers on it. d. The man will keep it as a receipt. 5. What can we know from the conversation? a. The man gets some cash from the bank. b. The man cashes two personal checks in the bank. c. The man deposits both of his two personal checks. d. The man pays some cash to buy two checks. Tape Script

12. FunctionsSkillsListeningDictationSpeaking Listening Comprehension Notes for Language and Culture 1. 银行账户种类大致可分活期存款账户（ current account ）和定期存 款账户（ savings account ）两种。活存账户存款利率低，但可随时 开支票或提领现金。定存账户一般定有条款，有最低金额限制，有的 提供和活期存款一样的转帐、支票簿等服务项目。若要提款则需提前 90 天或 30 天告知（亦有随时可以提款的 instant access ），否则要罚 款；优点是利率较高。 其它活存账户还有支票账户（ checking account ）、现金提款卡账 户（ cash card ）、电话存款账户（ telephone banking ）和邮政存 款账户（ postal account ）等等。

13. FunctionsSkillsListeningDictationSpeaking Listening Comprehension Notes for Language and Culture 2. I’d like to make a deposit. 我要存钱。 deposit 在银行业意为 “an amount of money that you pay into a bank account”: 储蓄，存款。 make a deposit: put money into a bank account 办储蓄存款 e.g. He made a $2,000 cash deposit yesterday. 他昨天存入 2,000 美元现金。 3. Here’s your deposit slip again. 这是你的存款单。 slip 意为 “a small piece of paper used for a particular purpose”: ( 用作特殊目的的 ) 纸条。 e.g. deposit slip 存款填写单 a voting slip 选票 a betting slip 投注单

14. FunctionsSkillsListeningDictationSpeaking Listening Comprehension Section B Directions: Listen to the conversation. Then decide if the sentences below are true or false. Mark the correct answer with a “√”. The conversation will be spoken twice. Before you listen, learn the following words and expressions:

15. FunctionsSkillsListeningDictationSpeaking Listening Comprehension Words & Expressions savings n. 储蓄 standard a. 标准的 interest n. 利息 special a. 特别的 feature n. 特征，特色 convenience n. 便利，方便 clerk n. 职员

16. FunctionsSkillsListeningDictationSpeaking Listening Comprehension 1. The woman wants to open an account with some special features. true false 2. A checking account offers more convenience than a savings account. true false 3. The bank clerk first suggests that she open a checking account. true false 4. The woman would like to be able to write personal checks from her account. true false 5. She finally decides to open a savings account. true false Tape ScriptKey

17. FunctionsSkillsListeningDictationSpeaking Listening Comprehension Man:May I help you? Woman: Yes, thank you. I wanted to ask about opening an account here. Man:Of course. Please sit down, and we can talk about what kind of account would be best for you. Woman: I really just want a place to keep my savings. I don’t think that I need an account with any special features. Man:Maybe a savings account would be best for you. Our standard savings account offers 3% interest. Woman: Would I be able to write personal checks from that savings account? Man: No, I’m afraid not. But we do have a checking account, which offers 2.5% interest. Woman: Hmm … That sounds like a good choice for me. Key

18. FunctionsSkillsListeningDictationSpeaking Listening Comprehension 1. The woman wants to open an account with some special features. true false 2. A checking account offers more convenience than a savings account. true false 3. The bank clerk first suggests that she open a checking account. true false 4. The woman would like to be able to write personal checks from her account. true false 5. She finally decides to open a savings account. true false Tape Script

19. FunctionsSkillsListeningDictationSpeaking Listening Comprehension Notes for Language and Culture 1. open an account 开立账户 close an account 销户 2. a savings account 储蓄账户 3. a checking account 支票账户

20. FunctionsSkillsListeningDictationSpeaking Listening Comprehension Section C Directions: Listen to the short passage and answer the following questions. The passage will be spoken twice. Before you listen, learn the following words and expressions: Words & Expressions security deposit 保证金 Benz 奔驰（车品牌名） pay off 还清（债务等），付清 Europe n. 欧洲

21. FunctionsSkillsListeningDictationSpeaking Listening Comprehension 1. Why did the man go to the bank? He went to the bank to _______________. 2. How much money did the bank loan the man? _______________. 3. Why did the man give his car key to the bank? He gave it to the bank as _______________. 4. Was the man rich or poor? Why? He was _______________ because he could afford a _______________. 5. Why did the man apply for a loan and leave his car at the bank? Because he needed a place to _______________. Tape ScriptKey

22. FunctionsSkillsListeningDictationSpeaking Listening Comprehension A man went into a bank and asked for a two hundred pound loan. As a security deposit, he gave his Benz’s key to the bank. Six months later, the man came back to the bank. He paid off the loan, and it’s ten pounds of interest. The clerk returned his Benz. Just as the man was leaving, the clerk asked him, “Sir, May I ask you a question? Why did you apply for a loan of just two hundred pounds since you can afford a Benz?” “Well,” the man replied, “I went to Europe for six months. I needed a place to park my car.” Key

23. FunctionsSkillsListeningDictationSpeaking Listening Comprehension 1. Why did the man go to the bank? He went to the bank to get a loan. 2. How much money did the bank loan the man? 200 pounds. 3. Why did the man give his car key to the bank? He gave it to the bank as a security deposit. 4. Was the man rich or poor? Why? He was rich because he could afford a Benz. 5. Why did the man apply for a loan and leave his car at the bank? Because he needed a place to park his car. Tape Script

24. FunctionsSkillsListeningDictationSpeaking Compound Dictation Section A Directions: Write down the sentences that you hear. The sentences will be spoken three times. 1. ____________________________________________________ 2. ____________________________________________________ 3. ____________________________________________________ 4. ____________________________________________________ 5. ____________________________________________________ Key

25. FunctionsSkillsListeningDictationSpeaking Compound Dictation 1. I’d like to open an account. 2. I need to deposit these two checks. 3. I’d like to make a withdrawal. 4. Please enter your PIN number. 5. We need your signature here.

26. FunctionsSkillsListeningDictationSpeaking Compound Dictation Section B Directions: Listen to the passage and fill in the blanks with the missing words. The passage will be spoken twice. Before you listen, learn the following words and expressions: Words & Expressions exchange v. 兑换，交换 abroad ad. 在国外 bank card 银行卡，取款机提款卡 rate n. 比率 exchange rate 汇率

27. FunctionsSkillsListeningDictationSpeaking Compound Dictation When traveling, it is not always wise to carry large amounts of ___________ with you. Many people used to use ___________ when they needed to carry money with them on a ___________. They could get the travelers’ checks from their bank before they left on a trip, and ___________ them for cash at a bank or hotel when they were abroad. Today, however, as ___________ and bank cards become more and more ___________, travelers’ checks are not used very often. People find that it is easy to lose travelers’ checks, and that credit cards get a much better ___________ than travelers’ checks. Tape Script

28. FunctionsSkillsListeningDictationSpeaking Compound Dictation When traveling, it is not always wise to carry large amounts of cash with you. Many people used to use travelers’ checks when they needed to carry money with them on a trip. They could get the travelers’ checks from their bank before they left on a trip, and exchange them for cash at a bank or hotel when they were abroad. Today, however, as credit cards and bank cards become more and more common, travelers’ checks are not used very often. People find that it is easy to lose travelers’ checks, and that credit cards get a much better exchange rate than travelers’ checks.

29. FunctionsSkillsListeningDictationSpeaking Follow-Up Speaking Section A Before you listen and practice, learn the following words and expressions: Words & Expressions signature n. 签名 endorse v. 在 ( 票据 ) 背面签名

30. FunctionsSkillsListeningDictationSpeaking Follow-Up Speaking I. Listen In and Speak Out Directions: Listen to the conversation and repeat it sentence by sentence. Woman: Good morning. Can I help you? Man: I’d like to make a deposit. Woman: How much do you want to deposit? (1) Man: I want to deposit 1,000 yuan in my account. (2) Woman: Is this money in check or cash? Man: [taking out the check] Check. Woman: Would you please put your signature on the back of this check? (3) Man: No problem.

31. FunctionsSkillsListeningDictationSpeaking Follow-Up Speaking II. Practice Directions: Act out the conversation by using the following expressions. (1) How much do you want to deposit? would you like to deposit into your account do you wish to put into your account do you plan to deposit in your account (2) I want to deposit 1,000 yuan in my account. I'd like to put 1,000 yuan into my deposit account. I want to put 1,000 yuan into my deposit account. I'd like to deposit 1,000 yuan in my account. (3) Would you please put your signature on the back of this check? Would you please sign your name on the back of this check? Please endorse the check. We need your signature on the back of this check. Sample

32. FunctionsSkillsListeningDictationSpeaking Follow-Up Speaking III. Sample Conversation Woman: Good morning. Can I help you? Man: I’d like to make a deposit. Woman: How much money would you like to deposit into your account? Man: I'd like to put 1,000 yuan into my deposit account. Woman: Is this money in check or cash? Man: [Taking out the check] Check. Woman: Would you please sign on the back of this check? Man: No problem.

33. FunctionsSkillsListeningDictationSpeaking Follow-Up Speaking Section B Before you listen and practice, learn the following words and expressions: Words & Expressions minimum a. 最小的, 最低的 bank book 银行存折 golden a. 金色的，黄金的

34. FunctionsSkillsListeningDictationSpeaking Follow-Up Speaking I. Listen In and Fill Out Directions: Listen to the conversation and fill in the blanks with the missing words, consulting the useful expressions in the box if you have difficulty.

35. FunctionsSkillsListeningDictationSpeaking Follow-Up Speaking Man: Good afternoon. How may I help you? Woman: I’d like to open an account. Man: Please tell me (1) Woman: Either kind of account will be fine. What is the minimum first deposit? Man: (2) Woman: Here you are. Man: (3) Here is your bank book. Woman: Thank you very much. (1) what kind of account you would like to open. whether you would like to open a checking or savings account. what kind of account you want to open, savings or checking? (2) Our minimum deposit for a savings account is ten yuan. Ten yuan is the minimum deposit. You can open an account with an initial deposit of ten yuan. Ten yuan. (3) One moment, please. Wait a minute, please. Give me a minute. Just a second. Key

36. FunctionsSkillsListeningDictationSpeaking Follow-Up Speaking Man: Good afternoon. How may I help you? Woman: I’d like to open an account. Man: Please tell me what kind of account you would like to open. (1) Woman: Either kind of account will be fine. What is the minimum first deposit? Man: Ten yuan is the minimum first deposit. (2) Woman: Here you are. Man: Just a second. (3) Here is your bank book. Woman: Thank you very much.

37. FunctionsSkillsListeningDictationSpeaking Follow-Up Speaking II. Practice Directions: Act out the conversation by using the following information. 1. apply for a credit card what card you would like to apply for, standard card or golden card standard card dollars card 2.change Renminbi what currency do you want it changed to US dollars exchange 10,000 yuan is the minimum for exchange US dollars 3. withdraw some money how much money would you like to withdraw 1,000 yuan maximum limit for each withdrawal no limit at all here is my bank book money Sample

38. FunctionsSkillsListeningDictationSpeaking Follow-Up Speaking III. Sample Conversation Man: Good afternoon. How may I help you? Woman: I’d like to withdraw some money. Man: Please tell me how much money you would like to withdraw? Woman: 1,000 yuan will be fine. Is there a maximum limit for each withdraw? Man: No limit at all. Woman: Here is my bank book. Man: Just a second. Here is your money. Woman: Thank you very much.

39. FunctionsSkillsListeningDictationSpeaking 制作：译林出版社高等英语事业部