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Banks make their profits by lending the money which customers deposit with them to others who need it for personal or business reasons. Most people need more money than they have currently available at some time in their lives.

To be a borrower you must be a customer of the bank because the money will be lent to you through a bank account. There are two ways in which you may borrow. The first, and easy, is to spend more money than you have in your current account – to overdraw. The second, and the normal way of borrowing larger amounts or for a long period of time is the loan.

If a manager permits an overdraft on current account he is likely to set a limit to the size of the overdraft and may stipulate a date by which the account is back in credit. Businesses whose payments and receipts are often irregular will frequently need to use overdraft facilities and they are often granted to private customers as well particularly when the manager knows that regular payments are made directly into the account.

If a loan is granted it will be a fixed sum immediately available for a fixed period of time. The principal and the interest on it may all become due for payment at the end of that period but for personal loans it is common to arrange that the loan and interest are repaid in equal regular instalments over the period of the loan. A separate account is opened to record the repayments as they are made.

Sometimes people do not ask for enough money because they are anxious about the burden of the repayments. The manager will be wise enough to try and ensure that you will have sufficient amount of money to do what you want to do. Finally we will consider whether or not you really will be able to repay and what kind of security you can offer against the possibility that you do not repay. In the case of a business the manager may well want to see well prepared, relevant documents such as profit and loss accounts and balance sheets for the most recent years. He would also ask about the expected return from the use of the money and want to see some figures upon which you have based your calculations. For a business good security might be one or more of the assets of the business while personal loans are often secured by such things as life insurance policies on which the bank is making regular payment for you

must (do) her homework every evening. She is (do) her homework now.

May i (ask) you? I am (ask) you now.

bicycle. They like animals. They ...two dogs and three cats. Charles isn't happy. He ...a lot of problems. ...your father ...a car? ...you ...an umbrella? Дополните предложения глаголами из списка, употребив их в Present Indefinite в утвердительной, отрицательной или вопросительной форме. speak open read use watch like enjoy drink talk go Margaret ...four languages. In Britain the banks usually ...at 9.30 in the morning. I buy a newspaper everyday but sometimes I ...it. Paul has a car but he ...it very often. ...you ...TV a lot? ...your brother ...football? Julia always ...parties. I never ...coffee. Sue is a very quiet person. She ...much. How often ...you ...to the theatre? Дополните предложения глаголами из списка, употребив их в Past Indefinite в утвердительной, отрицательной или вопросительной форме. be clean start finish want do We weren't happy with the hotel. Our room ...very small and it ... very clean. I ...my teeth three times yesterday. The concert ....at 7.30 and ...at 10 o'clock. When I was a child, I ...to be a teacher. 'I cut my hand this morning.' 'How ...you ...that?' Дополните предложения глаголами из списка, употребив их в Future Indefinite в утвердительной, отрицательной или вопросительной форме. sleep be win open stay Don't drink coffee before you go to bed. You .... `Are you ready yet?' `Not yet. I ...ready in five minutes.' I think we ...the game. `It's very warm in the room.' `...I ...the window?' ...you ...at home tomorrow evening? Употребите местоимения some/ any, no там, где необходимо. Would you like ... tea? — Yes, please. When we were on holiday, we visited ... very interesting places. I'm afraid there is ...coffee. Would you like ...tea? I went out to buy ... milk but they didn't have ... in the shop. I can do this job alone. I don't need .........help . Употребите местоимения something/somebody/anything/anybody/ nothing/nobody там, где это необходимо. She said ... to me but I didn't understand it. ....... has broken the window. I don't know whom. There is ... in the bag. It's empty. I'm looking for my keys. Has .... seen them? Would you like ... to drink?

They often (listen) to the news over the radio.

4. The children usually (go) to school by bus.

5. He (have) a cup of tea every morning.

VI. Раскрой скобки, употребив глагол в правильном времени.

1. I (do) my homework yesterday.

2. John (see) his friend at the cinema yesterday.

3. He (be) at school last week.

4. I (cook) breakfast myself last Sunday.

5. She (get) up at 9 o’clock two days ago and was late for school.

Continuous:

Dear Donna,

I … (write) to you from the Golden Beach Hotel. I'm here with Sandy and Pam. The hotel… (belong) to Pat's uncle and she (spend) every summer here. The place… (be) very nice and I … (think) all the people in the hotel… (have) a nice time. We… (swim) every morning. At noon we (have) lunch and in the evening we… (go) for walks. Today it… (rain) so we can't go out. I… (hate) this weather. At the moment Sand… (have) lunch. She (eat) fish today and it… (smell) very good. …(you/have) a good time at home? Love, Jessy.

2. Дополните предложения глаголами из списка, употребив их в Past Simple в утвердительной, отрицательной или вопросительной форме.

be clean start finish want do

We weren't happy with the hotel. Our room ...very small and it ... very clean.

I ...my teeth three times yesterday.

The concert ....at 7.30 and ...at 10 o'clock.

When I was a child, I ...to be a teacher.

'I cut my hand this morning.' 'How ...you ...that?'

3. Употребите глагол из скобок в нужной форме (Future Simple/ Present Continuous).

We ...(to go) to the theatre tonight. We've got tickets.

'What ...you (to do) tomorrow evening?' 'Nothing. I'm free.'

They ...(to go) away tomorrow morning. Their train is at 8.40.

I'm sure she ...(to lend) us some money. She's very rich.

Why are you putting on your coat?' `I ...(to go) out.'

4. Употребите глагол из скобок в нужной форме (Past Continuous/Past Simple).

A: What .... you ...(do) when the phone........ (ring)?

B: I ... (watch) television.

A: ...Jane (be busy) when you ...(come) to see her?

B: Yes, she ...(study).

A: What time ...the post ...(arrive) this morning?

B: It ...(come) while I ...(have) breakfast.

A: Was Margaret at work today?

B: No, she ...(not/go) to work. She was ill.

A: How fast ...you...(drive) when the police ...(stop) you?

B: I don't know exactly but I ...(not/drive) very fast.

5. Дополните предложения глаголами из списка, поставив их в форму Present Perfect.

finish buy go see break

'Can I have this newspaper?' 'Yes, I ...with it.'

I ... some new shoes. Do you want to see them?

'Where is Liz?' 'She ...out.'

I'm looking for Paula. ...you... her?

Look! Somebody ...that window.

6. Употребите глагол из скобок в нужной форме (Present Perfect/Past Simple).

My friend is a writer. He ...... (write) many books.

We .... (not/have) a holiday last year.

I ...... (play) tennis yesterday afternoon.

What time ...(you/go) to bed last night?

...... (you/ever/meet) a famous person?

Rose works in a factory. She...(work) there for six months. Before that she...(be) a waitress in a restaurant. She...(work) there for two years but she...(not/ enjoy) it very much.

7. Употребите модальные глаголы can, may, must, need там, где это необходимо.

You ...write the letter now. You ...do it tomorrow.

Paula ...speak Italian but she ...not speak French.

He ...forget to come to the conference. He is so absent-minded!

It's a fantastic film. You ...see it.

Be happy! You ...not be sad.

1) Andrea (to live) in San Francisco.
2) She (to get up) at six o'clock and (to take) а shower.
3) She doesn't normally (to have) breakfast.
4) At half past eight she (to catch) а bus to her college.
5) Нег first class (to start) at а quarter past eight.
6) She always (to have) lunch at twelve o'clock in the cafeteria.
7) The cafeteria (to be) ОК and it (to be) cheap too.
8) Once а week she (to go) swimming.
9) Sometimes one of her friends (to pick) them up and then (to drive) them home.
10) She (°to invite) friends to her house rather often, they (to listen) to music and (to talk) .


7. Употребите глаголы, данные в скобках в Present Indefinite.

1) Linda and I (work) for а company, which (produce) automobiles.
2) I (start) work at ten o'clock and Linda (come) to the office at nine.
3) She (be) good at typing, she (write) letters and reports every day.
4) She (not know) French very well, so she often (go) to the sixth floor where I
(work).
5) I sometimes help her translate letters, as I (know) French rather well.
6) Linda also (answer) telephone calls, sometimes she (show) visitors around the factory.
7) She (dо) common paperwork: (write) memos, (file) reports, (answer) letters.
8) She often (arrange) meetings for her boss.
9) You (understand) what her job (be) ? Yes, she (be) а secretary.
10) But she (not like) her job and (want) to be а manager.


8. Напишите следующие предложения в вопросительной и отрицательной формах.

Образец: It smells awful.
Does it smell awful? It doesn't smell awful.

l. We work at the translation. 2. You make а lot of noise. 3. Не always goes for а walk in the evening. . 4. In the morning I have little time. 5. Her brother works in Canada. 6. She does nothing to realize her dreams. 7. David believes in God. 8. She always comes to work in time. 9. The book belongs to Ann. 10. Не prepares his lessons in the evening.9. Заполните пропуски глаголом to be в Past Indefinite и переведите предложения.

1. It ... bitterly cold yesterday. 2. Му uncle ... very busy all last week. 3. She called on Sunday because it ... cheaper then. 4. When I came to visit her she ... absent, she ... at her friend's 5. We . .. tired of his stupid questions 6. Last winter the weather ... rather warm. 7. Yesterday he ... in Geneva. 8. When mу grandmother ... young, she ... an actress9. Where .. . your books? - They ... in mу bag10. Не ... not ill yesterday, he ... at work.


10. Употребите глаголы, данные в скобках в Past Indefinite. Напишите
предложения в вопросительной и отрицательной формах.

Образец She (to prepare) lessons well.
She prepared lessons well.
Did she prepare lessons well?
She didn't prepare lessons well.

1) I (to buy) а magazine last week.
2) The postman (to bring) the morning mail only at 10 o'clock. 3) I (to see) you in the library the other day.
4) They (to have) а picnic yesterday.
5) The rain (to spoil) the whole pleasure.
6) Every winter Nick (to go) to the Swiss Alps to ski.
7) My sister (to get) married at 24.
8) She (to pass) all her exams successfully.
9) Their family (to live) in France for many years.
10) Mary (to buy) а very beautiful dress for the party yesterday.


11. Заполните пропуски глаголом to be в Future Indefinite.

1. Tomorrow it ... cold and wet. 2. Не ... fifty in June. 3. It's too late to go. I. .. here till tomorrow. 4. Computers . .. our teachers. 5. People .. . on the moon. 6. Don't worry, I… not ... too late. 7. I suppose, you . .. pretty busy tomorrow. 8. I am afraid, it . .. difficult for you to stay there so long. 9. Larry . .. happy to visit them again. 10. I suppose Mr. Black .. . our teacher next term.