Unit 2: personal finance
Cash machine/ point = automated teller machine
You can use a cash machine to take out (to withdraw) money from your account.
A cash machine To take out Money from your account
A credit card To buy Things in a store
A home insurance policy To protect Your house against accidents
Direct debit To pay Your bills automatically
A bank loan To borrow Money to buy a car
An online account To manage All your account at home
An overdraft facility To spend Or than you have in your
account
A deposit facility To save Money and earn interest on it
Pagina 13, ex 3. read the advertisement from SBA bank about their services. Complete
the text with the propositions from, in, for, on or into.
SBA bank
If you need to borrow money from a bank, save money in a deposit
account, or even invest in shares, why not try SBA?
Our accounts are simple to use and e ae easy to find in any High
Street. You can pay money from a current account or withdraw money
into your account simply by visiting a branch or even online.
If you find you have spent too much on shopping or you owe too
much on your credit card, you can always apply for an overdraft.
So call into your local branch and join us.
Pagina 17
Vocabulary
talking about customer service
1. Look at the adjectives below which describe customer services. Match the
positive adjectives 1-6 with the negative ones a-f.
Cheap/ affordable Expensive
Polite Rude
Secure Risky
Efficient Inefficient
Fast Slow
Well-informed Ill-informed
3. Read the newspaper article below and complete the text with words from 1.
Rip-off Britain
The Daily Recorder investigates consumer banking. National Bank came bottom in our latest
survey on UK banking. Here are our good reasons why you should leave National Bank.
o With interest rates as high as 20%, an overdraft at National Bank is very expensive.
, We recommend moving to banks like Halibank where the new rate of only 7% is really
cheap.
o Our survey show that staff at National Bank lacked basic customer training. They were
often rude to customers and very ill-informed making frequent mistakes in simple
bank transactions.
At SB Bank, by contrast, we found staff were well-trained and well-informed about the
accounts they offered. Our experience at SB was very positive, and the bank staff were
always polite to customers and very fast at dealing with complaints.
o When testing National Bank at lunchtime, we found long queues so service was very
slow. Other banks have learnt from customer complaints and offer a fast service with
plenty of staff at the counter.
o Finally, low levels of e-protection makes Internet banking at National Bank very risky.
Other banks have invested heavily in technology to stop e-crime and make their
services secure from hackers.
Pagina 18
Use the subject box to say why you are writing Re: current account payments.
Acknowledge the customer’s letter Thank you for your email regarding the
overcharging on your current account.
Apologize for the mistake/error We would like to apologize for the error.
Explain how it happened The problem was due to computer mistake in
recording the date of the salary payments.
Tell them what you doing to correct the We have now taken steps to correct the
situation software system to make sure it cannot happen
again.
Explain how you have corrected the problem The money has now been returned to your
and offer some compensation account and we would like to offer you £30 as a
compensation for the mistake and the
inconvenience you have suffered.
Make a second apology Once again, please accept my apologies on
behalf of the bank.
Close the mail formally Your sincerely,
Unit 4: economic indicators
Stijgende economie = good
Dalende economie = not very well
Base rate basisrente
Reading
Interpreting data
1 what can you learn about an economy from its economic indicators? Look at the
table for these two developing economies: Turkey and Poland. Match the indicators a -
h with the definitions 1-8.
Inflation The movement of prices in the economy
Cash machine/ point = automated teller machine
You can use a cash machine to take out (to withdraw) money from your account.
A cash machine To take out Money from your account
A credit card To buy Things in a store
A home insurance policy To protect Your house against accidents
Direct debit To pay Your bills automatically
A bank loan To borrow Money to buy a car
An online account To manage All your account at home
An overdraft facility To spend Or than you have in your
account
A deposit facility To save Money and earn interest on it
Pagina 13, ex 3. read the advertisement from SBA bank about their services. Complete
the text with the propositions from, in, for, on or into.
SBA bank
If you need to borrow money from a bank, save money in a deposit
account, or even invest in shares, why not try SBA?
Our accounts are simple to use and e ae easy to find in any High
Street. You can pay money from a current account or withdraw money
into your account simply by visiting a branch or even online.
If you find you have spent too much on shopping or you owe too
much on your credit card, you can always apply for an overdraft.
So call into your local branch and join us.
Pagina 17
Vocabulary
talking about customer service
1. Look at the adjectives below which describe customer services. Match the
positive adjectives 1-6 with the negative ones a-f.
Cheap/ affordable Expensive
Polite Rude
Secure Risky
Efficient Inefficient
Fast Slow
Well-informed Ill-informed
3. Read the newspaper article below and complete the text with words from 1.
Rip-off Britain
The Daily Recorder investigates consumer banking. National Bank came bottom in our latest
survey on UK banking. Here are our good reasons why you should leave National Bank.
o With interest rates as high as 20%, an overdraft at National Bank is very expensive.
, We recommend moving to banks like Halibank where the new rate of only 7% is really
cheap.
o Our survey show that staff at National Bank lacked basic customer training. They were
often rude to customers and very ill-informed making frequent mistakes in simple
bank transactions.
At SB Bank, by contrast, we found staff were well-trained and well-informed about the
accounts they offered. Our experience at SB was very positive, and the bank staff were
always polite to customers and very fast at dealing with complaints.
o When testing National Bank at lunchtime, we found long queues so service was very
slow. Other banks have learnt from customer complaints and offer a fast service with
plenty of staff at the counter.
o Finally, low levels of e-protection makes Internet banking at National Bank very risky.
Other banks have invested heavily in technology to stop e-crime and make their
services secure from hackers.
Pagina 18
Use the subject box to say why you are writing Re: current account payments.
Acknowledge the customer’s letter Thank you for your email regarding the
overcharging on your current account.
Apologize for the mistake/error We would like to apologize for the error.
Explain how it happened The problem was due to computer mistake in
recording the date of the salary payments.
Tell them what you doing to correct the We have now taken steps to correct the
situation software system to make sure it cannot happen
again.
Explain how you have corrected the problem The money has now been returned to your
and offer some compensation account and we would like to offer you £30 as a
compensation for the mistake and the
inconvenience you have suffered.
Make a second apology Once again, please accept my apologies on
behalf of the bank.
Close the mail formally Your sincerely,
Unit 4: economic indicators
Stijgende economie = good
Dalende economie = not very well
Base rate basisrente
Reading
Interpreting data
1 what can you learn about an economy from its economic indicators? Look at the
table for these two developing economies: Turkey and Poland. Match the indicators a -
h with the definitions 1-8.
Inflation The movement of prices in the economy
