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

cards as payment. This is because they have no guarantees that the accont 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.

2. Prepaid credit cards can make users get into debit easily.

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

4. Both prepaid credit cards and ordinary credit cards have advantages and disadvantages.

5. You can use an ordinary credit card to buy more things than using a prepaid credit card.

• Find words in the reading which have the same or opposite meaning with the given
words (10 points)
1. A kind of charge you pay every year =
2. (To be) in debt ><
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3. The money put into an account by an account holder =
4. Facility banks offer to the customers =
5. The good points of something =