/ ...,I. ~ L Published by Express Publishing Liberty House, Greenham Business Park, Newbury, Berkshire RG19 6HW Tel.: (0044) 1635 817 363 Fax: (0044) 1635 817 463 e-mail: [email protected] http://www .expresspubl is hi ng.co.uk © Express Publishing, 2011 Design and Illustration © Express Publishing, 2011 First published 2011 Made in EU All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form, or by any means, electronic, photocopying, or otherwise, without the prior written permission of the publishers. This book is not meant to be changed in any way. ISBN 978-1-78098-355-4 Acknowledgements Authors' Acknowledgements We would like to thank all the staff at Express Publishing who have contributed their skills to producing this book. Thanks for their support and patience are due in particular to: Alex Newton (Editor in Chief); Sean Todd (senior editor); Steve Miller (editorial assistant); Richard White (senior production controller); the Express design team; Sweetspot (recording producers). We would also like to thank those institutions and teachers who piloted the manuscript, and whose comments and feedback were invaluable in the production of the book. Every effort has been made to trace all the copyright holders. If any have been inadvertently overlooked, the publishers will be pleased to make the necessary arrangements at the first opportunity. \/!J5!U!B 3ABUS 1)8U 8!IWOJa' J'il8V PfJ:r~ 3xdJass dnqnsq!u~ Scope and sequence Unit Topic Reading context Vocabulary Function 1 Money Advertisement cash, coin, change, check, currency, exchange, Stating total balance, exchange rate, fee amounts 2 Bank supplies Email bill strap, coin wrapper, cash drawer, cash, coin, Explaining what fingerprint pad, ink, deposit bag, stamp, pen, you need counterfeit pen 3 Bank furniture Website filing cabinet, desk, post, rope, conference table, Making desk chair, teller pedestal, couch, armchair, mat suggestions 4 Bank Teller manual account statement, account application, change of Requesting documents address, deposit slip, withdrawal form, envelope, teller identification receipt, balance sheet, cashier's check, register 5 Bank machines Website currency counter, coin machine, swipe card reader, Stating calculator, adding machine, computer, monitor, requirements security camera, shredder, printer, counterfeit detector 6 Parts of a bank Bank checklist lobby, waiting area, customer service desk, teller Reporting a station, counter, breakroom, foyer, vault, manager's problem office, safe deposit box 7 Numbers Chart is, equals, comes to, and, plus, add, minus, less, Talking about subtract, times, multiplied by, over, divided by, - numbers hundred 8 Savings Newspaper article savings account, deposit, limit, withdrawal, depositor, Warning accounts interest, earn, interest rate, long-term, minimum customers balance 9 Checking Advertisement checking account, check, debit card, debit, liquid, Offering a accounts direct deposit, average balance, maintenance fee, service checkbook, overdraft, returned 10 Credit cards Business letter credit card, credit limit, balance transfer, approve, Describing annual fee, APR, finance charge, cash advance, interest rates introductory rate 11 Access .. Website branch, brick-and-mortar, ATM, drive-up, PIN, deposit, Providing options channels withdraw, funds, ATM fee, call center, online banking, mobile banking 12 Online banking Website electronic statement, paperless, bill pay, transfer, Collecting security measures, secure, SSL, phishing, password, personal lock out, log in information 13 Office and Job postings receptionist, greet, administrative assistant, support, Describing job administrative head teller, oversee, data entry keyer, records, duties support branch manager, accounting clerk, bookkeeping clerk 14 Phone banker Letter phone banker, telephone banking, automated, Starting a answering system, customer service, resolve, issue, transaction call center, complete, transaction 15 Teller Job posting teller, handle, verify, check, accuracy, issue, Talking about job calculate, money order, accept, payment, count experience Banking Basics Unit 1 - Money ...... ...... ... .. ... ........ .... ....... ........ ..... ... ... ..... . 4 Unit 2 - Bank supplies .................................. ... .. ..... ...... ..... 6 Unit 3 - Bank furniture ....................................................... 8 Unit 4 - Bank documents .. ......... ..... ..... ......................... ~ ..... 1o Unit 5 - Bank machines .................... ..... ........ .. .......... .. ...... . 12 Unit 6 - Parts of a bank ...... .... ...... .. ............. .... ... ...... ......... 14 Unit 7 - Numbers ...... .... ..... ................................. .. .. ......... 16 Products and activities Unit 8 - Savings accounts .......... .... ..... ... ......... ................. .. 18 Unit 9 - Checking accounts .. ....... ... ... .. ............... .. .. ............ 20 Unit 10- Credit cards ............... .... .................... .. ..... ........ .. 22 Unit 11 - Access channels .. ...... ..... .. ...... ......................... .... . 24 Careers Unit 12 - Online banking .. .. ....... .. .... ... ........ .. .. ...... .. ....... ..... . 26 Unit 13 - Office and administrative support .. ......... .... .... ............ . 28 Unit 14 - Phone banker .. ... .... .... ..... .................... ... ...... ....... 30 Unit 15 - Teller ... .. .. .... .... ...... .... .. .... ... ... ...... ....... .... .. ... .... 32 Appendix Glossary ..... .. .......... .................................................... 34 1 FIRST REGIONAL BANK Do you need a safe place for your hard-earned cash? Open a checking account today! Are you tired of coins and loose change? We will count and deposit them for free! Do you have a paycheck? Cash your check here, or open an account and make a deposit. Do you need to exchange foreign currency? Here are our exchange rates*: CURRENCY RATE Get ready! 0 Before you read the passage, talk about these questions. 1 What do people use to make purchases in your country? 2 Are coins or bills more common in your country? Which do you prefer? Reading f) Read the bank advertisement. Then, mark the following statements as true (T) or false (F). 1 _ Customers need an account to cash checks. 2 _ One Yen is worth less than one USD. 3 _ The bank exchanges currency for free. 0 Fill in the blanks with the correct words Vocabulary from the word bank. 8 Match the words (1-5) with the definitions BANK (A-E). exchange change 1 _fee 4 _coins check currency cash 2 _cash 5 _ exchange rate 3 _balance 1 He has no bills, just some _____ 2 _____ your euros before returning from A the value of a currency in terms of another your trip. B money in the form of metal discs 3 The vendor did not accept Jon's foreign C an additional cost D to make accounts even 4 The bank refused to ____ his paycheck. E money in the form of paper notes and coins 5 Jon wrote a for the gas bill. 4 0 g Listen and read the bank Speaking advertisement again. How many dollars «!) With a partner, act out the roles below would you need to buy a British pound? based on Task 7. Then, switch roles. Listening USE LANGUAGE SUCH AS: How can 1 ... 0 g Listen to a conversation between a I need to exchange .. . customer and a teller. Choose the correct The total comes to ... answers. What is the conversation mainly about? A opening an account Student A: You are a tourist exchanging currency. Talk to Student B about: B exchanging currency • what currency you have C cashing a check • what currency you want D depositing money • how much money you have 2 What does the teller warn the man about? A a service fee Student 8: You are a bank teller. Talk to B a lack of dollars Student A about exchanging currency. C an incorrect total D a low exchange rate Writing f) " Listen again and complete the 0 conversation. Use the advertisement and the conversation from Task 8 to fill out the teller's currency 0 eller: Hello, Sir. Welcome to First Regional exchange form. Bank. How can I help you? - urist: Hi. I need to 1 these euros for 1 American dollars. FIRST eller: All right. Let's see 2 ________ REGIONAL BANK you have there. Currency - urist: Here you go. Exchange Form "eller: Twenty, forty, sixty ... The 3 ____ comes to one hundred and seventy euros. - urist: How much is that in 4 ? Currency presented: ________ -eller: I'll calculate that now. s ___ Currency requested: ________ two hundred and Amount presented: ________ thirty-five dollars and seventeen cents. Exchange Rate: __________ L";urist: Great. Can I make the exchange? -eller: Of course. But Amount returned: _________ there is a one percent 6 ____ 5 Mr. Coleman, I went through the supplies inventory as you asked. Here is a list of the things we 0 Before you read the passage, talk about need. these questions. 3 cases of bill straps 1 What supplies does a bank teller need? 6 cases of coin wrappers 2 What does your bank do when supplies run low? 1 cash drawer with sections for cash and coins (for the new teller Reading station) 1 fingerprint pad f) Read the email from a teller to a bank manager. Then, choose the correct answers. 1 bottle of ink 4 cases of deposit bags 1 What is the email mainly about? 3 date stamps A items the bank needs 1 void stamp B prices of bank supplies C delays of shipments 2 boxes of ballpoint pens D new teller supplies 6 counterfeit pens That is everything. We are almost out of 2 Which of the following supplies does the bank coin wrappers and deposit bags. We NOT need? need a shipment by Monday. I will tell A coin wrappers C coins you if we get low on anything else. B deposit bags D stamps Thank you, Sue 3 What supplies are nearly gone? A cash drawers C teller stations B deposit bags D ink pads Vocabulary 8 Read the sentence and choose the correct word. 1 Make sure the bill is real with a counterfeit pen I cash drawer. 2 He wrapped $500 of cash in a coin wrapper I bill strap. 3 Place your thumb on the fingerprint pad I pen. 4 Update the inventory I stamps with the new supplies. 6 0 Speaking Place the words and phrases from the word bank under the correct heading. 0 With a partner, act out the roles below REI?lJ based on Task 7. Then, switch roles. BANK ink stamp cash drawer pen coin wrapper deposit bag If we run out ... We are also out of ... Things to Mark Paper 11 Containers for Money I picked up ... Student A: You are a bank manager. Talk to Student B about: ... • supplies the bank is low on 0 \1 Listen and read the email again. What • supplies the bank is out of is ink contained in? • what to do until supplies arrive Listening Student 8: You are a teller. Talk to Student A 0 about bank supplies. \1 Listen to a conversation between a bank manager and a teller. Mark the following statements as true (T) or false (F). Writing 1 _ Old deposit bags are available. 0 2 _ The bank has no counterfeit pens. Use the email and the conversation from 3 _ The woman will purchase coin wrappers Task 8 to fill out the supplies inventory list. and bill straps at a store. 0 ~ Listen again and complete the Bank Supplies Inventory conversation. 0 Quantity Supplies needed l,fanager: Hi, Sue. I got your email about the 1 inventory. Thanks for doing that. Teller: Oh. No problem. We're pretty 2 those deposit bags. anager: I saw that. If we 3 _____ _____ _, use the old ones. ell er: Got it. We're also 4 ____ ____ counterfeit pens. .::nag er: Well, we can check the 5 ____ by hand until Monday. eller: Okay. 6 the coin wrappers and bill straps? .::nag er: I picked up a box of each at the store . Here you go. ell er: Oh, good. Thanks. 7 MOD3RN STYLE • We have filing cabinets available in seven different colors. • All teller pedestals are currently 20% off. • We sell the finest oak and mahogany desks. (Each comes with a free desk chair.) • Our post and rope sets are classy and practical. • Peruse our hundreds of choices of couches and armchairs. • Oak laminate conference tables are now 30% off. • Any order over $900 comes with a free set of carpet floor mats. Vocabulary Get ready! 8 Read the sentence pair. Choose where the 0 words best fit the blanks. Before you read the passage, talk about t ese questions. 1 armchair I teller pedestal ,·, a: urniture items do you find in a bank? A Lock the deposit in the ______ B The customer sat in the ______ 2 ere a bank manager, how would you "-~ s your bank? 2 mat I filing cabinet A Please wipe your feet on the Reading f} ead he page from a furniture company's B Mr. Smith put the forms in the e si e. Then, mark the following s a e ents as true (T) or false (F). 3 rope I conference table _ ~ ~'e ence tables are on sale. A The keeps the 2 _ ::. & , esk comes with a free chair. customer line organized. - _ =·e-o ""'a s come with every order. B This seats twelve people. 8