Ex.2. The following words can be used in more than one way. Underline the correct part of speech for each word as it is used in the text

Banking Services

Lesson 3

Text: Banking Services

Grammar: Comparison of Adverbs

Terms to remember:

banking facilities	™	банківські послуги, банківські операції
credit card	™	кредитна картка
repay (v)	™	розрахуватися (за щось); повертати (борг)
rate of interest	™	позиковий процент
overdraft	™	перевищення кредиту; овердрафт
direct debit	™	пряме дебетування
standing order	™	постійне доручення
transfer (v)	™	переказувати (гроші); перераховувати (суми)
foreign exchange	™	іноземна валюта
diversify (v)	™	урізноманітити (діяльність); диверсифікувати
insurance	™	страхування

Modern banks offer many services to businesses as well as to individual customers. The service menu of banks does not remain unchanged as new services are constantly being introduced.

Here are some of the most widely used banking facilities:

A credit card enables the holder to buy goods and repay the credit card issuer at a later date.

A loan is an amount of money borrowed from the bank which must be repaid at a fixed rate of interest.

A mortgage is a loan to buy property.

An overdraft is a loan made by a bank to a customer so he/she may take out more money than is actually in a bank account.

As well as offering credit facilities, banks provide services to allow customers to make payments:

Direct debit is a system of paying bills, etc. by having money automatically transferred from a bank account.

A standing order is an arrangement with a bank to pay a certain amount to another person or organization at regular intervals.

Most banks offer a foreign exchange service – the facility to change money from one currency to another.

In recent years banks have diversified, and now offer such services as insurance, investment advice, private pension plans, and home-banking (telephone, SMS and Internet) facilities.

Exercises in Word Study

Ex.1. Form nouns from the following verbs:

hold, issue, loan, bank, credit, pay, borrow, insure, invest, advise.

1.	credit	a) noun	b) verb
2.	loan	a) noun	b) verb
3.	bank	a) noun	b) verb
4.	transfer	a) noun	b) verb
5.	order	a) noun	b) verb
6.	pay	a) noun	b) verb
7.	change	a) noun	b) verb
8.	offer	a) noun	b) verb

Ex.3. Give the English for:

банківські послуги; пропонувати багато послуг клієнтам; запроваджувати нові послуги; кредитна картка; купувати товари; емітент кредитної картки; розраховуватися за позику; перевищення кредиту; на банківському рахунку; здійснювати платіж; переказувати гроші; пряме дебетування; постійне доручення; іноземна валюта; страхування.

Ex.4. Match words from list A with words from list B that have a similar meaning:

A	B
loan meet a loan facilities repay enable borrow property allow foreign exchange standing order	bank order foreign currency permit possessions receive a loan pay back make possible for services repay a loan advance

Ex.5. Find suitable opposites to the following words and phrases:

domestic currency; to borrow; regular; direct; individual; to forbid; unchanged.

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