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CONTENTS RT I

Unit 1: At a Finantial Symposium 4

Unit 2: Structure and Functions of a Bank 9

Unit 3: Telephoning 15

Unit 4: Failure or Success 20

Unit 5: Currency and Other Forms of Exchange 25

Literature 31

Unit 1: At a Finantial Symposium

The British economy comprises (in descending order of size) the economies of England, Scotland, Wales and Northern Ireland.

The UK has one of the world's most globalised economies. One-sixth of the tax revenue comes from VAT (value added tax) from the consumer market of the British Economy.

Ex. 1. Copy and memorize the following words and phrases.

bility - ,

to amuse - ,





to be aware of sth. - ,

to borrow -

to consider -

to convince -

cornucopia -

to found -

guest speaker -

to impress -

investment house -

leisure -

to marry - ,

to run business - ,

to wander -

to wonder - ,

Ex. 2. The text below is an

Abstract

from the novel If tomorrow comes by Sidney Sheldon, a famous American writer. Read the text and try to grasp its main idea.

Tracy Whitney was young, beautiful, intelligent and about to marry into wealth and glamour. She was on top of the world. Until suddenly, betrayed by her own innocence, she was in prison, framed by a ruthless Mafia gang, abandoned by the man she loved.

Beaten and broken, but kept going by her dazzling ingenuity, Tracy emerged from her savage ordeal determined to revenge herself on those who had destroyed her life and to fight back against a society that denied her success and happiness. No one would ever cheat her again.

From New Orleans to London and on to Paris, Madrid and Amsterdam, with intelligence and beauty her only weapons, Tracy played for the highest stakes in a deadly game, matching her wits against the successful and the unscrupulous.

Only one man can challenge her. Hes handsome and persuasive and just as daring. And only one man can stop her. An evil genius who shadows her every move - a man whose only hope of salvation is Tracys destruction...

Tracy met Charles Stanhope at a financial symposium where Charles was the guest speaker. He ran the investment house founded by his great-grandfather, and his company did a good deal of business with the bank Tracy worked for. After lecture, Tracy went up to disagree with his analysis of the ability of third-world nations to repay the staggering (extremely great) sums of money they had borrowed from commercial banks worldwide and western governments. Charles at first was amused, then intrigued by the impassioned arguments of the beautiful young woman before him. Their discussion continued through dinner at the old Bookbinders restaurant.

In the beginning, Tracy was not impressed with Charles Stanhope, even though she was aware that he was considered Philadelphias prize catch. Charles was thirty-five and a rich and successful member of one of the oldest families in Philadelphia. Five feet ten inches, with thinning sandy hair, brown eyes, and an earnest, pedantic manner, he was, Tracy thought, one of the boring rich.

As though reading her mind, Charles leaned across the table and said, My father is convinced they gave him the wrong baby at the hospital.

What?

Im a throwback. I dont happen to think money is the end-all and be-all of life. But please dont ever tell my father I said so.

There was such a charming unpretentiousness about him that Tracy found herself warming to him. I wonder what it would be like to be married to someone like him - one of the establishment. And what am I going on about like an idiot? Talk about ego. A man asks me out to dinner and Im deciding whether I want to marry him. We 11 probably never even see each other again.

Charles was saying, I hope youre free for dinner tomorrow...?

Philadelphia was a dazzling cornucopia of things to see and do. On Saturday nights Tracy and Charles went to the ballet or watched Riccardo Muti conduct the Philadelphia Orchestra. During the week they explored New Market and the unique collection of shops in Society Hill. They ate cheese steaks at a pavement table at Genos and dined at the Cafe Royal, one of the most exclusive restaurants in Philadelphia. They shopped at Head House Square and wandered through the Philadelphia Museum of Art and the Rodin Museum.

Ex. 3. Go back to the text and find the sentence with COMPLEX OBJECT. Translate it into Russian; do it in written form.

Ex. 4. Insert the prepositions with, by, of, from, after or in. Translate the sentences.

His company did a good deal ___ business ___ the Philadelphia Trust and Fidelity Bank.

The investment house was founded ___ his great-grandfather.

Third-world nations borrow money ___ commercial banks worldwide and western governments.

___ the beginning Tracy was not impressed ___ Charles Stanhope.

___ Charles lecture Tracy went up to disagree with his analysis.

Ex. 5. Fill in the blanks with the words given in the box. Translate the sentences.

beautiful financial investment

at first business successful

___ Charles was amused, then intrigued.

Tracy was a ___ woman of her mid-twenties with lovely, intelligent face.

Tracy met Charles at a ___ symposium.

Charles was a rich and ___ member of one of the oldest families in Philadelphia.

Charles ran the ___ house.

His company did a good deal of ___ with the bank Tracy worked for.

Ex. 6. Answer the following questions to the text.

Where did Tracy meet Charles Stanhope?

What company did Charles Stanhope run?

What bank did Charles company do a good deal of business with?

Why did Tracy go to Charles Stanhope after his lecture at the financial symposium?

What sums of money did third-world nations borrow from commercial banks worldwide and western governments?

How did Tracy and Charles spend their leisure?

Ex. 7. What do you think about the characters of this text?

Ex. 8. Could you tell anything about Tracys and Charless future?

Ex. 9. Make up a dialogue between Tracy and Charles and dramatize it.

Ex. 10. What do Tracy and Charles look like?

Ex. 11. Translate the following phrases without looking back at the text:

financial symposium;

to run the investment house;

to disagree with smb.;

to do a good deal of business;

to repay the staggering sums of money.

Make up your own sentences with these phrases.

Ex. 12. Listen to the conversation and try to grasp its main idea without looking at the tapescript. What is this conversation about? Can you answer the following questions? Of course, you may consult the written text, but give it a try!

What is the title of the program? What audience does it address? What is the main idea of this program?

Speaker A is interested in international relations, isnt he? Does he pay attention to the problems of his home country? Does he vote? Does he support any political party?

What does Speaker B dislike about politicians? Will he vote in the next election? Is he an optimist or a pessimist?

Why does Speaker C think high about politics? Does he follow political events in his home country? Does he always vote?

Dont you find Speaker D a pessimist? Is he an educated person? What does he think about officials? Do they really care about their electorate?

Speaker D: If I could vote, Im not sure I would do it, because all the governments weve had have disappointed me. It makes me feel angry and powerless to see completely uneducated people becoming officials and doing jobs they know nothing about. Whats even worse, most of them are corrupt. They dont really care about the people who chose them and their only aim is to earn as much as possible.

Radio presenter: Hello everyone. In our programme, The World Around Us, weve asked four teenagers from different countries about their political views. Heres what they told us.

Speaker A: Im interested in many aspects of political life, especially international relations and the way human rights are violated in many countries in Africa and Asia. I believe its unfair the way people in the third world have to face so many problems they just cannot cope with and, at the same time, all the economically developed countries become richer and richer. Theres so much food wasted in one place, and, in another, people are dying. I dont pay any attention to our local problems, all those conflicts between various parties. I dont vote because there is no political party worth voting for.

Speaker B: Well, what I dislike about our politicians is that they constantly criticise previous governments but they dont really do anything to improve the situation. They seem to have no idea about how to rule the country; some of the recent regulations are absurd. I cant see any political option that would meet my expectations. I am going to vote in the general election next year because I want to do what I can to reduce the number of unsuitable politicians in Parliament. Im not very optimistic, though.

Speaker C: Politics is important because it affects our life. If you want to be a responsible citizen, its your obligation to participate in the political life of your country. Its a chance to influence the decisions that are important. Besides, if you dont do anything, you have no right to criticise anybody. I have quite strong political views. I read the papers and watch the news, I know quite a lot about the views and manifestos of various parties, and try to follow whats going on both in the world and at home. So when I vote for people to represent me, I know what Im doing.

Speaker D: If I could vote, Im not sure I would do it, because all the governments weve had have disappointed me. It makes me feel angry and powerless to see completely uneducated people becoming officials and doing jobs they know nothing about. Whats even worse, most of them are corrupt. They dont really care about the people who chose them and their only aim is to earn as much as possible.

Unit 2: Structure and Functions of a Bank

The Bank of England, formally the Governor and Company of the Bank of England, is the central bank of the United Kingdom and the model on which most modern central banks have been based. Established in 1694, it is the second oldest central bank in the world, after the Sveriges Riksbank, and the world's 8th oldest bank. It was established to act as the English Government's banker, and is still the banker for the Government of the United Kingdom.

Ex. 1. Copy and memorize the following words and phrases.

board

to choose - ,

to hire -

cashier - ,

checking account -

to divide -

earnings -

to guess - ,

to own -

profit -

to put up -

savings account -

statement -

stockholder -

to suppose -

surplus - , ,

teller - -

to grant a charter - ,

to make loans - ,

Ex. 2. Translate the sentences into Russian.

I guess your work has to do with checking accounts.

We have had an account with them for years.

You dont make much on that kind of account.

When will the board of directors meet?

He is a member of the board of directors.

What is the amount of the capital?

They had some trouble raising the capital.

You would better see the cashier about that.

The cashier is on vacation just now.

I dont think theyll be able to get a charter.

How much money is left in my checking account?

I would like to close my checking account.

We are behind on our clerical work.

Do you have any clerical jobs open now?

Ex. 3. Replace the Russian words with their English equivalents.

1. The last () was quite large.

2. How much did you () in dividends?

3. Id like to invest in some ( ).

4. How much money does she ( )?

5. I ( ) with you about my investments.

6. Would you make an () of that kind?

7. He is afraid he has made a bad ().

8. What is the ( )?

9. This () will have to be made by the president.

10. Doesnt that company have a ( )?

11. We expect to make a nice () this year.

12. The profits have been ( ).

13. Their () are getting pretty low.

14. They ( ) to have such large reserves.

Ex.4.Choose the best alternative to complete the sentences.

1. I guess your work has to do with___ account.

a) checking b) loan c) investment

2. He decided ___ in a savings account.

a) to insure the money b) to put the money c) to withdraw the money

3. Our new ___ will be published next week.

a) invoice b) statement c) futures

4. You have ___ to be proud of this statement.

a) every reason b) beyond all questions c) evidently

5. The statement will be sent to all the___.

a) stockholders b) cashiers c) tellers

6. He is ___ stockholders.

a) largest b) oldest c) one of the most exclusive

7. The surplus is now as large as the ___.

a) capital b) dividends c) profit

8. They have built up a nice ___.

a) surplus b) remainder c) excess

9. Take this to one of the ___.

a) tellers windows b) advisers c) managers

10. The teller took the problem to the___.

a) cashier b) supervisor c) underwriter

11. How much ___ do you have?

a) undivided profit b) capital gains c) earnings

12. I didnt know the undivided profits were this___.

a) high b) almost in half c) in smaller

13. This department is supervised by a ___.

a) vice-president b) stockholders c) board of directors

14. One of the vice-presidents can ___this matter.

a) handle b) deal with c) analyze

Ex. 3. Read the dialogue between Tracy and Charles. Dramatize it in class.

Tracy: Who really owns the bank?

Charles: The stockholders own it. In the beginning, they put up the necessary capital and were granted a charter from the government.

Tracy: Are the members of the board of directors stockholders?

Charles: Oh, yes. Theyre chosen by the other stockholders to operate the bank.

Tracy: And the board hires the president and the vice-president to manage it.

Charles: Thats right. Along with the cashier, the tellers and the clerical workers.

Tracy: I guess most of your work has to do with checking and savings accounts and making loans.

Charles: Yes. But we invest money too. Planning the banks investments is also very important.

Tracy: Do you divide all the profits among the stockholders?

Charles: Not all of them. The stockholders receive regular dividends. But some of our earnings are held in reserve accounts.

Tracy: I suppose that would be necessary.

Charles: Heres a copy of our last published statement. You see the reserves are shown here as surplus and undivided profits.

Ex. 4. Fill in the blanks with the words given below. Translate the sentences.

capital board of directors loan reserves stockholders

dividends investments profit statement vice-president

The men who control the activities of the bank will meet today. The ___ will meet.

They were chosen by all the parties who hold part ownership in the bank. They were chosen by the ___.

The board will discuss the hiring of a person to assist the president. They must hire a new ___.

Theyll also discuss the new announcement of the banks financial condition. They will discuss the ___.

Then they must make a decision about the earnings theyre keeping back for later use. They must decide what to do about the ___.

This is money held by the bank in addition to the amount the stockholders put up to start the bank. Its money held in addition to the ___.

The board may want to pay money to the stockholders out of profits. They may give out ___.

Quite a lot of money was left over this year after all the banks expenses were paid. The ___ were high.

The president will ask to approve a large ___ to a customer. This is money owned by the bank which the customer will be permitted to use for a time and then return with an additional payment for its use.

The board will probably discuss the money which the bank has put into other businesses in order to make profits. Theyll discuss the banks ___.

Ex. 5. To answer the following questions you should look up in an encyclopedia. Various Internet resources are invited!

What banks do you know in Russia?

What banks do you know in the USA?

What banks do you know in Great Britain?

What banks do you know in Canada?

What banks do you know in Australia?

Ex. 6. Listen to the conversation and try to grasp its main idea without looking at the tapescript. Choose the right alternative to complete the following sentences.

Many people are influenced by ___.

advertisementsb) booksc) newspapers

The survey was made by ___.

The Consumers Federationb) the governmentc) the police

___ people were asked to fill in a short questionnaire.

100b) 150c) 250

Only ___ of the people admit they buy things because theyve seen them advertised.

50%b) 16%c) 15%

Over 60% of the ___ belonged to one of the three most widely advertised brands.

washing powderb) flourc) washing soap

To get as much money as possible out of our pockets supermarkets use ___.

music and smellsb) music and smilesc) music and dance

Most people buy between one and five things more than is really ___.

neededb) needc) necessary

Always make a ___ before going to a supermarket.

shipping listb) shopping listc) sleeping list

Never go shopping on an empty ___.

headb) stomachc) body

If you take ___ with you, agree in advance what one thing youll buy them.

friendsb) childrenc) parents

Reader: If you think you are not one of those people whose buying habits are influenced by advertisements, you are most probably mistaken. The latest survey made by The Consumers Federation shows what effect modern advertising techniques have on the decisions of supermarket customers. 150 people were asked to fill in a short questionnaire just as they were leaving a Tesco supermarket after finishing their shopping. Only 15% of the people admit they buy things because theyve seen them advertised. The great majority insist they do not even watch commercials on television. However, over three quarters had no problems matching the most popular detergent brands with their advertising slogans. And over 60% of the washing powder in their shopping trolleys belonged to one of the three most widely advertised brands. Most people do not realise that advertising aims not only at persuading them to buy a certain brand. Its also all the techniques supermarkets use to make customers buy more than they have actually planned. The music, the smells, the arrangement of products, the reductions, all have one goal to get as much money as possible out of our pockets. 94% of the people taking part in the survey admitted they buy between one and five things more than is really necessary, each time they visit a supermarket. How to avoid spending too much? Here are a few tips: First of all, always make a shopping list and stick to it, no matter what special offers you come across. Secondly, never go shopping on an empty stomach youll buy tons of unnecessary food. If you really have to take children with you, agree in advance what one thing youll buy them and dont change your mind later, when they get tired or excited. And, above all, limit the time spent in shops to an absolute minimum; dont treat shopping as a leisure-time activity. Do we have any chance in the battle against the powerful advertising machine? I doubt it. Most of us like spending time in supermarkets, even if we dont realise it. Its become one of our favourite pastimes, something like hunting combined with a family picnic.

Unit 3: Telephoning

The United Kingdom has the 6th-largest national economy in the world (and 3rd-largest in Europe) measured by nominal GDP and 8th-largest in the world (and 2nd-largest in Europe) measured by purchasing power parity (PPP). The UK's GDP per capita is the 22nd-highest in the world in nominal terms and 22nd-highest measured by PPP.

In 2014, the UK was the 10th-largest exporter in the world and the 6th-largest importer. In 2014, the UK had the 3rd-largest stock of inward foreign direct investment and the 2nd-largest stock of outward foreign direct investment.

Ex. 1. Viadimir Petrov is calling Mr Stanhopes office. Tracy, an office manager is on the phone. Dramatize the dialogue in class.

Tracy: 908 72 37

Viadimir Petrov: My name is Vladimir Petrov. Could you put me through to Mr Charles Stanhope, please?

Tracy: Ill see if he is in the office. Whos calling?

Viadimir Petrov: Petrov, Vladimir Petrov.

Tracy: Sorry, hes just gone out. Would you like to ring back later?

Viadimir Petrov: Well, Ill try. I met Mr Stanhope when we were both at the Moscow trade fair. He suggested that I should call him.

Tracy: Could I have your name again, please?

Viadimir Petrov: Ah, yes, its Vladimir Petrov. P-E-T-R-O-V.

Tracy: And the number?

Viadimir Petrov: Im in the Grand Hotel.

Tracy: Right, you will be hearing from Mr Stanhope later in the morning then. Goodbye.

Viadimir Petrov: Thank you for your help. Bye-Bye

Ex. 2. Fill in the blanks with the words given in the box. Translate the sentences.

after back calling hold the line in

moment reach see ring up Hello, whos that ___?

Just a ___ please.

Ill ___ if hes there.

Ill get the information you want; ___, please.

You asked me to ___ when I was in the city again.

Sorry, hes not ___ at the moment.

You can ___ him any evening ___ six oclock.

Well, I can ring ___ later if its convenient.

Ex. 3. Choose the best answer and translate the sentences.

1. Id like to speak to Mr Whitney, please.

a) Yes.

b) Im afraid, he is not here at the moment.

c) Well, you cant...

2. Can I speak to Mr Whitney, please?

a) Hold on, please.

b) Dont go away.

c) All right.

Could I speak to Mr Whitney, please?

Whos speaking?

Whos calling?

Who are you?

Whats your name?

Im Tracy Whitney.

This is Tracy Whitney here.

Tracy Whitney speaking.

Can I ring you back later?

Yes, ring me.

Yes, please do.

Of course, yes.

When can I reach you?

One hour.

When you want.

Ill be in all evening.

Ex. 4. Put questions to the following sentences. Begin either with could or would.

Model: You are not sure of the name of the callers company (repeat).

Would you repeat your companys name, please?

You arent sure who the caller wants to speak to (tell).

You want to know the callers telephone number (give).

You dont know the spelling of the callers name (spell).

You didnt hear the callers address clearly (repeat).

You dont know when the caller will be in the office tomorrow (tell).

You arent sure about your orders delivery date (confirm).

You want to know where the caller is ringing from (tell).

Ex. 5. Memorize the following proverbs and give their Russian equivalents.

Wealth is nothing without health.

Well begun is half done.

Whats done cannot be undone.

When you are at Rome, do as the Romans do.

Ex. 6. What do the following expressions mean?

The ups and downs of life: Life is full with ups and downs; the trick is to enjoy the good times and to have the courage to go through the bad ones.To play second fiddle: I won't play second fiddle to anyone.

To make a mountain out of a molehill: Our boss made a mountain out of a molehill when he fired Wayne for making a simple mistake.

Ex. 7. Holding talks with your foreign business partners you may use the

following expressionsto open a meeting:

Right, then.

Right, can we start?

Ladies and Gentlemen, are we ready to begin?

Well then, if we could get things rolling.

OK then, perhaps we could make a start?

Well, shall we get things started?

If everybodys ready, maybe we could make a start?

to direct attention:

Lets get straight down to business. Shall we get down to business?

Lets get the meeting under way.

to ask why we are here:

As you all know, were here today to mark the third anniversary of establishing our joint-venture.

Ive asked you here today to discuss new curricula.

Were meeting today to sign the agreement between our joint-ventures.

The reason were here is to work out in details our new curriculum.

The subject of todays meeting is to reconsider the rate of interest and the interest on a savings account.

The purpose of todays meeting is to analyze the ability of third-world nations to repay the staggering sums of money borrowed from commercial banks.

Today we shall be looking at the situation in the emerging market.

Today we shall be dealing with the problem of training specialists under new conditions.

Today we intend to sign the agreement of our cooperation.

Lets take the first item on the agenda The hundred-million-dollar syndicated loan to Turkey.

Has everyone got a copy of the agenda?

Ex. 8. Answer the following questions.

Where do you work?

What is your occupation?

What do your duties include? (What are your responsible for?)

What do you like and dislike about your present job?

Have you been offered a promotion?

Ex. 9. Listen to the conversation and try to grasp its main idea without looking at the tapescript. Answer the following questions.

What country does the text tell about?

What is Outback?

Is it an isolated place?

Do all people in Outback have Internet connection? What about two-way radio?

What do the people do when somebody needs a doctor?

How many square kilometers of Australia does The Flying Doctors service cover?

What transport do the doctors use to reach the most distant places?

How many people do they visit every year?

Are there any boarding schools in Outback?

What radios do most Outback children use to listen to their teachers and to communicate with them?

Reporter: Welcome to Our Neighbourhood, the programme that looks at the different places and conditions that people live in. Today were visiting the Outback, a distant part of Australia far from the main population centres. Imagine youre living on a farm and your nearest neighbours are over 100 kilometres away. It certainly is very lonely and isolated. And this is how it feels for many people living on farms in the Outback of Australia, far away from the cities and towns. Some people are lucky enough to have email and the Internet but many do not even have a telephone line. Everyone has a two-way radio. You can listen as well as talk into it, and it is the most important means of contact with other people. When someone needs a doctor urgently, they use their two-way radio to contact The Flying Doctors. Thats a special medical service that covers six million square kilometres of Australia. The doctors fly to an emergency in a small aeroplane or helicopter, and they say they can arrive at any place within ninety minutes. There are thirteen flying doctor bases in Australia with thirty-eight aeroplanes and helicopters. They visit 150,000 people every year. Another problem to solve is education. How do you go to school when youre living five hundred kilometres from the nearest one? Some kids go to boarding schools, others have their lessons sent by post. But most outback children use their two-way radios twice a day to listen to their teachers and to communicate with them and with other Outback students.

Unit 4: Failure or Success

During the 1970s and 80s, nearly 3.5 million manufacturing jobs were lost, but in the 1990s over 3.5 million jobs were created in service-related industries. By the early 21st cent., banking, insurance, business services, and other service industries accounted for almost three fourths of the gross domestic product and employed 80% of the workforce. This trend was also reflected in a shift in Great Britain's economic base, which has benefited the southeast, southwest, and Midlands regions of the country, while the north of England and Northern Ireland have been hard hit by the changing economy.

Ex. 1. Copy and memorize the following words and phrases.

to admit - ,

amount -

to approach - ,

to be in charge of sth. -; -

employee -

to enjoy -

enormous -

to glance at - -/-

lavatory -

to prevent -

safe-deposit area -

storeroom -

to turn off - ,

to watch -

Ex. 2. Match the English words and phrases with their Russian equivalents.

bookkeeper

to transfer

senior ,

to vary

to enter

to check

safety procedures

to change

to lock

10. alarm

Ex. 3. This is one more abstract from the novel If tomorrow comes by Sidney

Sheldon. Read the text and try to grasp its main idea.

As Tracy approached the bank, she glanced at her watch. Eight-twenty.

The doors of the Philadelphia Trust and Fidelity Bank would not be open to employees for another ten minutes but Clarence Desmond, the banks senior vice-president in charge of the international department, was already turning off the outside alarm and opening the door. Tracy enjoyed watching the morning ritual. She stood in the rain waiting as Desmond entered the bank and locked the door behind him.

Banks the world over have arcane (secret) safety procedures and the Philadelphia Trust and Fidelity Bank was no exception.

Clarence Desmond was checking the lavatories, storeroom, safe-deposit area. Only when he was fully satisfied that he was alone would the Venetian blind be raised as a sign that all was well.

The senior bookkeeper was always the first of the employees to be admitted. would take his place next to the emergency alarm until the other employees were inside then lock the door behind them.

Tracy smiled and went to work. She was in charge of the cable-transfer department. Until recently the transfer of money from one bank to another and from one country to another had been a slow, laborious process requiring multiple forms to be filled out and dependent on national and international postal services. With the advent of computers the situation had changed dramatically and enormous amounts of money could be transferred instantaneously. It was Tracys job to extract overnight transfers from the computer and to make computer transfers to other banks. All transactions were in code, changed regularly to prevent unauthorized access. Each day millions of electronic dollars passed through Tracys hands, it was fascinating work, the life-blood that fed the arteries of business all over the globe, and until Charles Stanhope the Third had come into Tracys life, banking had been the most exciting thing in the world for her. The Philadelphia Trust and Fidelity Bank had a large international division and at lunch Tracy and her fellow workers would discuss each mornings activities. It was a heady conversation.

Deborah, the head bookkeeper, announced: We just closed the hundred-million-dollar syndicated loan to Turkey...

Mae Trenton, secretary to the vice-president of the bank, said in the confidential tone: At the board meeting this morning they decided to join the new money facility to Peru. The up-front fee is over five million dollars...

John Creighton added: I understand were going in on the Mexican rescue package for fifty million. Those wetbacks dont deserve a damned cent...

Its interesting, Tracy said thoughtfully, that the countries that attack America for being too money-oriented are always the first to beg us for loans.

It was the subject on which she and Charles had their first argument.

Ex. 4. Translate the following sentences into Russian. Pay attention to Infinitive

constructions.

The decision is sure to be adopted tomorrow and we might get acquainted with it.

I insist you send us the catalogues, price-lists and other documents.

The Home Secretary is expected to make a statement next week on the provisional agreement.

An attempt to cover up the differences which came to the surface last weekend will be made by both Ministers in talks expected to take place at the end of next month.

I heard them have agreed upon all the main problems and they are looking forward to a new contract to be concluded with us.

This decision is considered to be of decisive importance for those branches of industry to which it refers.

The questions raised in your letter are likely to be discussed during the private meeting.

The ship is likely to arrive at the port tomorrow morning, we might be informed of it.

Ex. 5. Translate the following sentences into Russian. Pay attention to the Infinitive as an attribute.

The senior bookkeeper was always the first of the employees to be admitted.

A few years ago the transfer of money from one bank to another and from one country to another was slow and required multiple forms to be filled out.

Some businesses are the first to ask for loans.

Ex. 6. Fill in the blanks with the words given below. Translate the sentences.

fully besides employees the world

except safe-deposit exception over

There are many different banks in the USA ___ the Philadelphia Trust and Fidelity Bank.

The routine never varied, ___ for the security signal.

When Clarence Desmond was ___ satisfied that he was alone the Venetian blind would be raised as a sign that all was well.

Bankshave arcane safety procedures, and Philadelphia Trust and Fidelity Bank was no ___.

Clarence Desmond checked the lavatories, storeroom, ___ area.

The senior bookkeeper was always the first of the ___ to be admitted.

Ex. 7. Insert the prepositions of, for, at if necessary.Translate the sentences.

The bank would not be open ___ another ten minutes.

As Tracy approached ___ the bank she glanced... her watch.

Clarence Desmond was in charge ___ the international department.

Tracy enjoyed ___ watching the morning ritual.

Desmond entered ___ the bank.

Ex. 8. Answer the following questions to the text.

What was Clarence Desmond?

What department was Clarence Desmond in charge of?

What was Tracy Whitney?

What bank did Tracy work for?

What was Deborah?

What was Mae Trenton?

What was John Creighton?

Ex. 9. Translate the following phrases without looking back at the text:

to approach the bank

to be admitted to

to be fully satisfied with

senior bookkeeper

to make certain

Make up your own sentences with these phrases.

Ex. 10. Make up a dialogue between Tracy and her co-workers at the lunch.

Ex. 11. What do you think about the characters featured in the abstract youve read?

Ex. 12. Listen to the dialogue between the sales-manager and a client without looking at the tapescript. Read the text, learn it by heart and make a performance in class.

Sales-Manager (Man): Go-World Home Delivery. How may I help you?

Client (Woman): Oh, hello. Id like to place an order.

Sales-Manager: Certainly. Ill just take the details.

Client: Right.

Sales-Manager: Can I start by taking your name, please?

Client: Yes, its Bowles, Jessica Bowles.

Sales-Manager: Is that Jessica with a G or a J?

Client: With a J. And then its B-O-W-L-E-S.

Sales-Manager: Fine. And your address Client: Its number 18, Heath Street, Byford. Thats H-E-A-T-H.

Sales-Manager: Good. And I need the post code.

Client: Oh yes, of course. Its B-Y-1, er, 7-R-X.

Sales-Manage: R-X, thanks. Fine, right now, what was it you wanted to order?

Client: Well, Ive been looking in the catalogue, and Id like to get a travel bag.

Sales-Manager: Theyre great quality, yes. And good value. Theyre available in a range of colours.

Client: Yes, and I think its the beige that appeals most.

Sales-Manager: Very nice. Youve seen the price?

Client: Yes, theyre 24.99 each, or 22.99 if you buy two.

Sales-Manager: Thats right.

Client: Well, I only want one.

Sales-Manager: Fine. Now have you chosen your free gift? From the ones shown on page 20 in the catalogue?

Client: Oh yes, a diary or a calculator. I think a calculator would be useful.

Sales-Manager: Good choice. OK, well, Ill put this straight through and then you should be getting the

Unit 5: Currency and Other Forms of Exchange

The Bank is one of eight banks authorised to issue banknotes in the United Kingdom, but has a monopoly on the issue of banknotes in England and Wales and regulates the issue of banknotes by commercial banks in Scotland and Northern Ireland. The Bank's headquarters have been in London's main financial district, the City of London, on Threadneedle Street, since 1734. It is sometimes known by the metonym The Old Lady of Threadneedle Street or The Old Lady, a name taken from the legend of Sarah Whitehead, whose ghost is said to haunt the Bank's garden. The busy road junction outside is known as Bank junction.

Ex. 1. Copy and memorize the following words and phrases.

to accept -

bank draft -

bank money order -

bill -

certified check -

coin -

constantly -

currency - ,

denomination - ()

exchange - ,

however -

in lieu of - (-)

legal tender -

request -

sight draft -

travelers check -

Ex 2. Translate the sentences into Russian.

The payment was made by bank drafts.

I can give you a bank money order, if you prefer that.

Well, whats a bank note?

The check is made out to the bearer.

Doesnt the bearer also guarantee payment?

This bill is torn almost in half.

They wont cash it without proper identification.

Is that true of cashiers checks, too?

Theyre legal tender just as silver certificates are.

Thats also true of certified checks.

A certified check would be safer.

It must be certified in writing.

These coins will have to be counted again.

They will accept payment only in currency.

What denominations would you like?

The bank must use just about every form of exchange.

Ex. 3. Replace the Russian words with their English equivalents.

Why are ( ) sometimes preferred over checks?

Thats also true of ( ).

The () is made out to the bearer.

Are there bank notes in all ()?

Yes, a bank note is ( ).

May I please have some small ( )?

( ) to cash this bank draft, please.

Do you () many cashiers checks?

Thats also true of ( ).

We never () checks from strangers.

The check was () on the first of the month.

We constantly handle () of every denomination.

Theyre what you call ().

The bills were in () denominations.

Were there any fees involved in the ()?

Is this bank a member of the ( )?

Ex. 4. Choose the best alternative to complete the sentences.

Please give me a ___ for this amount.

bank draftb) draft bank c) bank account

He always pays us by___.

a) bank money order b) bill c) currency

3. The___ need only present proper identification.

a) bearer b) bookkeeper c) wage earner

4. The ___is made out to the bearer.

a) check b) stranger c) partner

5. We constantly handle ___ of every denomination.

a) bills b) bonds c) gilts

6. Even___ will cash them.

a) merchant b) retailer c) referee

7. A ___was enclosed with the letter.

a) cashiers check b) securities c) equity

8. The ___ indicates the amount of money involved.

a) certificate b) bonus c) invoice

9. The ___will sign the certificate.

a) president b) lender c) saver

10. Have we issued any ___today?

a) certified checks b) futures c) legal tender

11. The bank will ___this check.

a) certify b) issue c) promote

12. This type of___is no longer used.

a) coin b) overdraft c) request

13. Whats the total amount of___on hand?

a) currency b) capital c) fractional currency

14. We handle coins and bills of___ denomination.

a) every b) available c) numerous

15. ___is a form of exchange.

a) currency b) negotiation c) bank roll

16. Bank notes are issued by the___ of the Federal Reserve System.

a) banks b) Chancellors c) Exchequer

17. The Federal Reserve System was set up in___.

a) 1913 b) 1694 c) 1982

Ex. 5. Read the dialogue and translate it into Russian.

Currency and other forms of exchange

Mae Trenton: The bank must use just about every form of exchange in a days work.

Deborah: Just about. Of course we constantly handle coins and bills of every denomination.

Mae Trenton: Theyre what you call legal tender.

Deborah: Yes. Or currency. The national currency is its legal tender.

Mae Trenton: But a check isnt legal tender.

Deborah: No. However checks are a very common form of exchange and theyre generally accepted in lieu of currency.

Mae Trenton: Are travelers checks currency?

Deborah: Not in a strict sense. But theyre immediately negotiable everywhere. For instance, even merchants will cash them under most circumstances.

Mae Trenton: The bearer need only present proper identification.

Deborah: Thats right.

Mae Trenton: Well, whats a bank note? Is that currency?

Deborah: Definitely. Bank notes are issued by the banks of the Federal Reserve System and theyre legal tender just as silver certificates are.

Mae Trenton: Thats what I thought. But getting back to checks, why are bank drafts sometimes preferred over checks?

Deborah: Well, in the case of a check, the party who signs it is the only one who guarantees payment. But a bank draft is issued and guaranteed by a bank.

Mae Trenton: Is that true of cashiers checks too?

Deborah: Yes. And also of certified checks and bank money orders.

Mae Trenton: What about sight drafts?

Deborah: Now sight drafts are different. Theyre a form of request for payment through a bank.

Ex. 6. Fill in the blanks with the words given below. Translate the sentences.

cash bank draft denominations currency issued

check negotiable identification in lieu of sight draft

When I travel I dont like to carry a lot of coins and bills, I carry only small amounts of ___.

I carry travelers checks which I can change into coins and bills wherever I am. I can ___ them anywhere.

They can easily be given over to a third party. Theyre immediately ___.

You can buy them in different sizes or amounts. They come in different___.

Many merchants wont accept a written order to your bank to pay the amount you state. They wont accept a ___.

This is true even if you have proof that you are who you say you are. They wont accept it even if you present proper ___.

Of course, people who know you will usually accept them instead of currency. They will accept them ___currency.

To settle business accounts I usually use one of the forms of exchange prepared and given out by a bank. Theyre ___by a bank.

One type that I often use is drawn by one bank on another bank. This is called a ___.

To request payments of an amount due me I often use another form of exchange presented through a bank. I use a ___.

Ex. 7. Answer the following questions.

What bills and coins does the Russian Central Bank issue?

Which denominations of coins and bills do you handle?

Which denominations of coins and bills are issued by the Federal Reserve System in the USA?

Is a certified check safe?

What is a bank draft?

Ex. 8. Give the Russian equivalents to the following English proverbs.

A bird in the hand is worth two in the bush.

A cursed cow has short horns.

A friend in need is a friend indeed.

Ex. 9. Listen to the conversation and try to grasp its main idea without looking at the

tapescript. Listen carefully to the numerals! Choose the right alternative to complete the following sentences.

___ has four great industries: fishing, forests, tourism and oil.

a) Africab) Alaskac) America

2. Most of Alaskas oil is taken to other parts of the USA through the port of ___.

a) Valdezb) Exxonc) Exxon Valdez

3. Exxon Valdez was an ___.

a) oil tankerb) oil tankc) oil station

4. The tanker started its journey in ___.

a) 1998b) 1899 c) 1989

5. Captain Hazelwood left the ship in the command of the ___officer.

a) thirdb) second c) first

6. After hitting rocks the tanker had ___ holes in its side.

a) threeb) five c) four

7. ___ million litres of oil started to flow out of the ship and into the sea.

a) sixtyb) fifty c) thirty

8. The clean-up began ___ hours after the oil-spill had first been reported.

a) fiftyb) fifteen c) sixteen

9. The oil from the Valdez disaster covered ___ square kilometres of water.

a) 4,800b) 8,400 c) 480

10. ___ of the plankton in the sea was destroyed in the disaster.

a) 35%b) 53% c) 25%

Reader: Alaska has four great industries: fishing, forests, tourism and oil. On the south coast of Alaska is the port of Valdez, and from here most of Alaskas oil is taken to California and other parts of the USA. On 24th March 1989, Captain Jeff Hazelwood was in command of an oil tanker which had the same name as the port of Valdez.

The tanker was owned by the Exxon oil company, so it was usually called the Exxon Valdez. Captain Hazelwood was an experienced seaman. The Exxon Valdez started its journey in the late evening of the 24th of March 1989. At first, Captain Hazelwood was in charge of the ship. Later he went to his cabin to do some paperwork. He left the ship in the command of the third officer. Just after midnight, the Exxon Valdez hit a group of rocks called Bligh Reef. The tanker had five holes in its side one of the holes was two metres wide by six metres long. Fifty million litres of oil started to flow out of the ship and into the sea. Unfortunately, the clean-up operation did not begin immediately. A special boat was supposed to be ready for emergencies, but it had been damaged by a storm. So the clean-up began fifteen hours after the oil-spill was first reported. The first two days after the spill had been calm and still; but by the time all the necessary equipment was in place, the weather had turned stormy and strong winds quickly moved the oil to other parts of the sea. The oil from the Valdez disaster covered 4,800 square kilometres of water. Millions of fish and thousands of sea birds and sea-otters died. Some animals and birds died from cold, others died from hunger, because 25% of the plankton in the sea was destroyed in the disaster, leaving many animals and fish with nothing to eat. It is easy to try to blame one person for the Exxon Valdez disaster. In fact, it was the result of mistakes made by many different people: people in the Exxon oil company, people on land, and people on the tanker. The Exxon Valdez disaster was one of the first huge oil-spills in history.

Literature (c )

. . . - 1-2 -: , 2008. - 35 .

. ., , . . : - : , 2006. - 107 .

, .., , .. 38 -: ./. . , . . .- 3 ; . .- .: ,2006.- 350 .

Oxford Exam Excellence with Smart CD and key. Oxford university 200 c. press/www.oup.com/elt.

- 38.03.02

1: ,

01.12. 2014. 6090/16

. . . . 2. 100 .

443022, . , . , 48



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