I. Rewrite the following sentences (20 points)
1. I want to apply for the job offered by that bank but I’m too old to get the job.
If I were not too old, I could get the job.
2. It took the cashier 2 hours to count the money.
The cashier spent 2 hours counting the money.
3. They are going to open a representative office in Hanoi next month.
A representative office is going to be opened in Hanoi next month.
4. The loan was too big for them to pay off.
The loan was so big that they couldn’t pay off.
5. “Did you lend him a lot of money last week?”
She asked if I had lent him a lot of money the previous week.
6. If you can’t pay the account in full each month, you will be charged very high interest
rate.
Unless you can pay the account in full each month, you will be charged very high
interst rate.
7. We withdrew $200 from our account yesterday.
$200 was withdrawn from our account yesterday.
8. His business was given a lot of help by the bank but it went bankrupt.
In spite of help given by the bank, his business went bankrupt.
9. We have never used credit cards to buy goods before.
This is the first time we have used credit cards to buy goods.
10. Travellers’ cheques are not only safe but they are also convenient.
Not only are travellers’ cheques safe but they also convenient.
II. Rearrange the following sentences to make a logical process of credit slip clearing and then
translate the passage into Vietnamese (20 points)
1. Credit slips are completed by the payers.
2. Then the payers pay cash over the counter of any one of the thousands of branches.
3. Credit slips are delivered to the paying banks’ head offices.
4. Credit slips are sorted according to the payees’ banks.

companies require a set up fee to both open and maintain the prepaid credit card account.
You will be required to pay taxes on your cash deposits, and you may be required to pay an
annual membership fee.
Another major disadvantage is that most online merchants do not accept prepaid credit
cards as payment. This is because they have no guarantees that the account can completely
cover payment for an online purchase. This can be difficult for prepaid credit card holders to
pay for monthly subscriptions to Internet service providers or to purchase items that are
sold at zero percent interest, with a certain amount deducted from the credit card at fixed
time periods.
If you are interested in purchasing and using a prepaid credit card, take note of these
advantages and disadvantages. Although you have the convenience of not carrying cash,
you may not be able to purchase as many items as you wish, or from as many merchants as
you please. Although you may have to pay additional fees for your account you can control
your overall spending and keep yourself out of debt.
• True or false? Correct the false ones (10 points)
1. Prepaid credit cards are similar to ordinary credit cards.
Are  are not
2. Prepaid credit cards can make users get into debt easily.
Prepaid credit cards can’t make users get into debt.

3. You can use prepaid cards to pay for Internet services.
True???

4. Both prepaid credit cards and ordinary credit cards have advantages and disadvantages.
True
5. You can use an ordinary credit card to buy more things than using a prepaid credit card.
True

Customers prefer putting money to the bank to keeping it at home because the bank
is a safe place for their money.
2. Khi tôi đi nước ngoài tôi thường đem theo tiền bằng séc bởi vì séc du lịch có thể đổi ra
tiền mặt tại hầu hết các ngân hàng trên toàn thế giới.
When going abroad, I usually bring cheques along because travellers’ cheques can be
cashed at most of the banks all over the world.
3. Nếu bạn muốn thanh toán cho ai đó bằng sec, bạn phải viết tên của người đó trên séc.


If you want to make payment by cheque, you have to write the payee’s name on the
cheque.
4. Khách hàng có thể dùng tài sản riêng của mình để làm vật thế chấp cho các khoản vay.
Customers can use/put up their own assets as collateral/security for loans.
5. Một trong những chức năng của thẻ nhựa là dùng để rút tiền mặt từ các máy rút tiền tự
động.
One of the functions of plastic cards is to obtain cash from ATMs.