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Herearesomeshortconversationswhichtakeplaceatbanks.Pleaselistenandthensupplythemissingwords.1.Man:I'dliketoopenasavingsandacheckingaccount.Woman:Ourminimumdepositforasavingsaccountis$25.Man:Whatistheinterestrate?Woman:It's4.5%.Man:Doyouchargeforcheques?Woman:Eachchequethatyouwritewillcost20cents.2.Woman:I'dliketowithdrawsomemoneyfrommysavingsaccount.Teller:Firstyou'llhavetofilloutoneofthesewithdrawalforms.Woman:Oh,no.Itasksformyaccountnumber.Iforgotmybankbook.Teller:I'mafraidyou'llneedthatfirst.3.Man:CanIcashachequehere?Teller:Doyouhaveanaccountwithus?Man:Yes,Ihaveacheckingaccounthere.Teller:Pleasewriteyouraccountnumberonthebackofthecheque.Man:Isthatallyouneed?Teller:CouldIseeonemorepieceofidentification?Man:Willadriver'slicensedo?Teller:Yes.That'dbefine.4.Man:Iwouldliketoaskabouttakingaloan.LoanOfficer:Doyouhaveanaccounthere?Man:Yes,I'vebeenacustomerhereforseveralmonths.LoanOfficer:Howmuchdoyouwanttoborrow?Man:Threethousanddollars.5.Clerk:Yes?Man:Iwanttocashthistraveller'scheque.Clerk:Doyouhaveyourpassport?Man:Yes.Clerk:Thankyou.Signhere,please.Hereyouare.Man:Thankyou.Youaregoingtohearareportonweatheraroundtheworld.Completethefollowingtable.CurrencycodeCountryCurrencycodeCountryNLGHollandBEFBelgiumGBPGreatBritainAUDAustraliaITLItalyUSDtheUnitedStatesofAmericaCADCanadaJPYJapanNORNorwaySEKSwedenDKKDenmarkCHFSwitzerlandDEMGermanyFRFFranceESPSpainRMBthePeople'sRepublicofChinaYouaregoingtohearashortpassageaboutforeignexchange.Writedowneverywordasadictation.Itwillbereadthreetimes.Inthefirstreading,youwillhearthewholepassagefrombeginningtoend.Inthesecondreading,youwillhearapauseaftereachsentenceorjustpartofasentence.Duringthepause,youmustwritedownwhatyouhavejustheardasquicklyaspossible.Youcancheckwhatyouhavewrittenwiththethirdreading.Foreignexchangedealingis,asitsnameimplies,theexchangeofthecurrencyofonecountryforthecurrencyofanother.Therateofexchangeisthevalueofoneunitoftheforeigncurrencyexpressedintheothercurrencyconcerned.Abankmaymakegainsonbuyingandsellingcurrenciesontheinterbankmarket.Makingaprofitonthetransactionisthebasicideaofforeignexchangedealing.Alexisauniversityfreshman.It'sthefirsttimeforhimtogotothebanktodrawsomemoneyonhisown.Inthissection,youaregoingtolistentoaconversationbetweenAlexandthecashier.Whileyoulisten,supposeyouareAlex,andfillintheblankchequeaccordingtotheinstructionsgivenbythebankcashier.Youaregoingtohearseveralphonecallsaboutchasinglatepaymentofinvoices.Whilelisteningforthefirsttime,focusonthekeywords,addmorekeyswordsifyoucanintheleft-handcolumn.Afterthesecondlistening,completethesummariesofthephonecallsintheright-handcolumnwiththehelpofthenotes.SummaryCall1PaulSmytherangMr.MartinezfromBirminghaminthemorningabouttheirlastinvoice.ItwassenttoMr.Martinezon13thJuly,butthepaymenthadn'tbeenreceivedevenaftermorethanthreemonths.Mr.MartinezpromisedtocheckitandhewouldcontactMr.Smytheintheafternoon.Call2Mr.MartinezcalledbackMr.Smytheintheafternoonandtoldhimthatthereasonwhythemoneycouldn'tbetransferredisbecauseMr.Symthe'sbankdetailswerewrong.ActuallyitwasMr.Martinezwhomadeamistake.HemistookRoyalBankofScotlandforBankofScotland.SoMr.MartinezpromisedtotransfertheamounttotheRoyalBankofScotlandthenextdayassoonasthebankopened.Call3Mr.SmythetelephonedtheaccountenquiriesoftheRoyalBankofScotlandtocheckwhetheratransferhadbeenreceivedfromSpain.Theaccountnumberwas40211686andtheaccountnamewasPaulSmytheandPartners,andtheaddresswasUnit7,ParkdownTradingEstate.ThecreditwasreceivedonWednesdayandtheactualamountwas£3476.28.ButMr.Smythewasexpectingaroundfigureof£3500.Sothat'showitis.ThemoneywastransferredinSpanishpesetas,soithadtobeconvertedintopounds,andthebankcharged£23.27fortheconversion.Thefollowingshortpassageisaboutthelatestmoney:electronic-moneyorE-money.Supplythemissingwordswhilelistening.Justimagine:nocoinsinyourpants,nobillsinyourwallet.Tobuyacoke,yousimplyinsertacardintothevendingmachine.Youpulloutthesamecardtoboardabus,doyourlaundry,orbuyanewspaper.YouaddvaluetothecardbyinsertingitinanAutomaticTellerMachine.Sucharethesmartcardsscientistsaredeveloping.Somescientistscallthemchipcards.Someotherscallthemelectronicpurses,orsimplye-money—moneyofthefuture.Asmartcardgoesastepbeyondthemagneticcardweusetoday,Itislikeacomputerdiskoralmostatinycomputer.Itisamemorydevice.Scientistsintendsuchsmartcardstoreplacecashinourwallets.Whycardsinsteadofcashorcheque?Convenience,safety,andcost.Moneycostsmoney.Handlingit,accountingforit,andprotectingitisexpensive—whetherthemoneyintheformofcash,cheques,orcreditcards.Moneywearsout,chequesmustbehandledandstored.Creditcardsmustbemanufactured.Theamountsoftransactionsmustbeverifiedbyphone.Today'sbillsareproblematicforvendingmachines.Whereapoundcoinisacceptable,adollarcoinwillberejected.Modernvendingmachinesacceptdollarbills,butremember,onlyperfectlykeptdollarbills,withoutfoldedcornersorwrinklededges.Andoneofthemostimportantbenefitsofsmartcardsisthatthecard'svaluecanbeverifiedandchangedwithoutgoingthroughacomplexsystemsuchasacreditcardhasto.Thatwillfinallyhelpsmartcardswinthefavourofalluse