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№ 1
Task I Read the text and answer the questions.

The English commercial banks have branches in all the major towns and a similar structure and mode of working is common to them all. The owners are the shareholders. At the outset they provide the necessary capital. They arе all organised on the joint stock principle and are registered public companies.
The Chairman and Board of Directors are elected by the ordinary shareholders at the Annual General Mectingand arc responsible for the efficient management of the bank. The Board is concerned with the overall policy of the bank and the major decisions which put that policy into effect.
The Board will appoint a Managing Director who is directly responsible to them and a member of the Board. They will also appoint the most senior executives who in turn appoint the rest of the clerical staff who will be responsible in differ¬ent capacities for the day to day running of the bank.
The essence of a bank’s activities is the collection of depos¬its through current accounts and deposit accounts and the use of these funds to provide loans or funds for investment. The current account is the one commonly held and is drawn upon by cheques and standing orders. The deposit account is more in the nature of a savings account. The pattern of in¬vestments which a bank decides upon is crucial because, on the one hand, the bank must use the funds wisely to make a profit and, on the other, funds must be available for deposi¬tors to withdraw when they wish to do so.

Questions on the text:

1. Who owns the English commercial bank? The owners are the shareholders.
2. How does a bank start? They arе all organised on the joint stock principle and are registered public companies.
3. Who chooses the Board? The Chairman and Board of Directors are elected by the ordinary shareholders.
4. What is the Board’s task? The Board is concerned with the overall policy of the bank and the major decisions which put that policy into effect.
5. Who hires the employees? The Board will appoint a Managing Director who is directly responsible to them and a member of the Board. They will also appoint the most senior executives who in turn appoint the rest of the clerical staff who will be responsible in differ¬ent capacities for the day to day running of the bank.

Task II. Complete the sentences in reported speech.

1) Mr Blake said that the weather was cold in Moscow in February.
2) Fred said that he had invented a new computer program.
3) He said that he would have finished this paper by the next day.
4) He asked him not to tell her the truth.
5) He said to the shop assistant how much it cost.

Use the verbs in the passive.

1) A lot of new models are launched to the market every year.
2) New products are advertised in specialized journals.
3) Business problems are discussed on the phone or at the talks.
4) Rome wasn’t built in a day.
5) Thousands were destroyed during the Great Fire of London.

№ 2
Task I Read the text and answer the questions.

Commercial banks offer commercial services to a wide range of customers. Customers can open current accounts and deposit accounts. A current account is very popular. It pays no interest but it has other advantages.
Firstly, it enables people to keep their money in a safe place. Secondly, it allows them to withdraw it at any time. Thirdly, it provides them with a cheque-book so that they do not have to carry a lot of cash.
To open a current account it is necessary to see the branch manager. He has to decide whether the applicant is likely to keep the account in credit. A current account holder can only overdraw with the manager’s permission. The manager will therefore want to meet the applicant to get the necessary background information. For example, he will want to know the applicant’s occupation and his place of work. He will also probably want a reference from his/her employer. If, after the interview, the manager is satisfied with the applicant he will approve the application, arrange for the applicant to be given a cheque-book and arrange for a monthly statement to be sent to him/her.
A deposit account is another popular kind of account. It has advantages over a current account. First of all, it is easier to open than a current account. There is no need to see the manager. A customer only has to fill in a form and then deposit the minimum amount of money required by the bank.

Questions on the text:
1. What are the advantages of a current account? The Board will appoint a Managing Director who is directly responsible to them and a member of the Board. They will also appoint the most senior executives who in turn appoint the rest of the clerical staff who will be responsible in different capacities for the day to day running of the bank.
2. What are the disadvantages of a current account? The manager will therefore want to meet the applicant to get the necessary background information.
3. What is necessary to do to open a current account?  A manager will want to know the applicant’s occupation and his place of work. He will also probably want a reference from his/her employer. If, after the interview, the manager is satisfied with the applicant he will approve the application, arrange for the applicant to be given a cheque-book and arrange for a monthly statement to be sent to him/her.
4. What information on the current account holder does the manager need? The manager will therefore want to meet the applicant to get the necessary background information.
5. What are the advantages of a deposit account? First of all, it is easier to open than a current account. There is no need to see the manager. A customer only has to fill in a form and then deposit the minimum amount of money required by the bank.

Task II. Complete the sentences in reported speech.

1) Mr Bell asked Mr Lavrov what discount he could give them.
2) Mr Voronin said that they required the compressors in July.
3) He said to me to turn the sound down.
4) John said that he had never tasted anything so tasty.
5) Robert said that nobody had mentioned about it.

Use the verbs in the Passive.

1) If the company is heavy with orders, part deliveries will be offered to the buyers.
2) Contracts are signed by directors of companies.
3) St. Petersburg was founded in 1703.
4) This work will be done tomorrow.
5) Mushrooms are gathered in autumn.

№ 3
Task I Read the text and answer the questions.

David lost his traveler’s check. He went to the traveler’s check office and they told him that he had to call New York before they could do anything. They let him use their phone- it was a toll-free number. The clerk asked him how much he had lost and what the check numbers were. Luckily, he had them written down. Then the clerk wanted to know where he bought the check and if he had any ID. David gave him his passport number. The clerk gave David “a file number” and told him where the nearest refund office was. David told the clerk he had already been there and the clerk spoke to the agent. After that David filled out a form with all the same information on it. Then finally, the agent okayed the thing, the supervisor initiated it and David got his check.

Questions on the text:

1. What happed to David? David lost his traveler’s check.
2. Where did he go then? He went to the traveler’s check office.
3. What did he want traveler’s check company to do when he went to their office? They told him that he had to call New York before they could do anything.
4. What did he have to do first? He had to phone.
5. Did he have to pay for the phone call? No, he hadn’t.
6. What were the four things the clerk in New York wanted to know? The clerk asked him how much he had lost and what the check numbers were. Luckily, he had them written down. Then the clerk wanted to know where he bought the check and if he had any ID. David gave him his passport number. The clerk gave David “a file number” and told him where the nearest refund office was. David told the clerk he had already been there and the clerk spoke to the agent. After that David filled out a form with all the same information on it. Then finally, the agent okayed the thing, the supervisor initiated it and David got his check.
7. Why was it easy for David to get new checks? It was easy for David to get new checks, because the manager was experienced.

Task II Choose the right variant:

1. Twenty years ago most people… work around the age of twenty and retied at the age of sixty-five.
a) have started
b) were starting
c) start
d) started
2. Where… the first restaurants located?
a) were
b) was
c) –
d) did
3. It’s … than taking a train.
a) relaxing
b) relaxed
c) more relaxing
d) more relaxed
4. They are …
a) a businessman
b) businessmans
c) businessmen
d) a businessmen
5. Здесь нельзя курить.
a) You mustn’t smoke here.
b) You don’t have to smoke here.
c) You must smoke here.
d) You can’t smoke here.

№ 4
Task I Read the text and answer the questions.

Most banks in the USA open at 9:00and close between 3:00 and 5:00, but stay open later on Fridays. Some banks have longer hours in order to attract customers.
What`s the best way to carry money safely while you are travelling? There are three possibilities – personal checks from your country, traveller`s checks and credit cards. Some American banks accept foreign checks such as Eurocheques, the only problem is that only banks, which are used to dealing with foreigners will know what Eurocheques are.
It may be more convenient to carry traveller`s checks, which are insured against lost. They should be in dollars, because only a few banks do much business in foreign currencies. If your checks are not in dollars, it may take you a long time to find a bank that will exchange them. You can use traveller`s checks almost anywhere – in restaurants, stores or ticket offices – without having to go to a bank. If you ran out of them, you can buy more at most banks. Their service charge will vary, though, so ask what it is before you buy your checks.
Credit cards can be cancelled if they are lost or stolen. And because they are widely accepted in the US, it is easy to use them to pay for lodging, transportation, meals and things you want to buy from larger stores.

Questions on the text:

1. What are the opening hours in most banks of the USA? Most banks in the USA open at 9:00and close between 3:00 and 5:00, but stay open later on Fridays.
2. Do you always have to go to a bank if you want to use traveller`s checks? No, you don’t.
3. Is it a good idea to have credit card when you travel in the USA? Yes, it is.
4. What is the best way to carry cash? The best way are credit cards.
5. What currency should traveller`s checks be in? Traveller`s checks should be in foreign currencies.
6. Where should you go if you want to cash a Eurocheque? You should go to a bank.
7. Can you buy traveler`s checks in banks? Yes, I can.

Task II Choose the right variant:

1. I liked my job, but I had a bad relationship with my boss and I … to be more independent.
1. wanted
2. had wanted
3. has wanted
4. wants
2. When … the Happy Meal introduced?
1. were
2. –
3. did
4. was
3. It’s … than taking your car.
1. more cheaper
2. cheap
3. more cheap
4. cheaper
4. There are … in the jar.
1. fish
2. fishes
3. a fish
4. a fishes
5. Тебе не обязательно работать семь дней в неделю.
1. You mustn’t work seven days a week.
2. You haven’t to work seven days a week.
3. You don’t have to work seven days a week.
4. You mustn’t to work seven days a week.

№ 5 Написать эссе по типу «За и против» на тему «Моя будущая профессия».
4 абзадца
180 слов

My future profession is banker.

I made career choice consciously and responsibly. My profession is rather relevant nowadays.

However, the knowledge I gain in my profession, in conjunction with this law, opens up interesting opportunities for work. Thanks to my future profession and if I wish, I shall be able to realize my dream and open my own business. One of the advantages of the profession of a banker is that it is relevant in all cities of our country. The main advantage of working in a bank is rightly considered stability.

After all, today, I do not know what particular fate is. I know for sure that my work must be done responsibly, and then the result will be good. Many can find work with accounting and reporting rather boring.

The disadvantages of the profession include the highest responsibility, lack of room for error, irregular working hours.

A successful banker must have such personal qualities as attentiveness, responsibility, purposefulness, initiative, readiness for self-education; efficiency, the ability to quickly find the right solutions; composure.  I believe that I made the right choice of my profession.