Контрольная работа №1

КОНТРОЛЬНАЯ РАБОТА № 1
Дисциплина «Иностранный язык» (английский)
Специальность «Экономическая безопасность»
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Текст №1
Banking Products
1) My salary is paid directly into a low-interest current account. I can withdraw money from automatic cash dispensers with a cashcard, so I hardly ever actually go into a bank. I pay regular, monthly bills by way of a standing order*: the bank pays them according to my instructions, and debits my account. I pay irregular bills by cheque. Nearly everyone I know in Britain has a chequebook, but when I lived on the Continent, I found that people hardly used them. They often paid cash, or paid bills at a post office with a paying-in slip.
2) I also have a credit card, which is useful for ordering things by post or on the telephone, and for travelling worldwide. I also use it in shops and restaurants, but try not to spend more than I can pay when the bill comes a month later, as this is a very expensive way of borrowing money. The annual interest is exorbitant - well over 20%.
3) Some years ago I had a deposit account in a building society which paid higher interest than the current account at the bank, but had restrictions as to how and when I could withdraw my money. But then we bought a flat. I got a 90% mortgage from the building society: i.e. we had to pay a deposit of 10% with our own savings.
4) That is why I have no more money and no more deposit account. In fact I have arranged an overdraft with the bank, which means I can occasionally withdraw more money than is actually in my account. Interest is calculated daily. Last year I asked the bank for a loan to buy a car. I (only!) wanted two months' salary, but they refused. Since I don't like the high interest rates that the garage's hire purchase people charge, I bought a cheap second-hand car instead.
5) I always use the bank to buy foreign currency when I go abroad, because their rates are better than the bureaux de change**. I don't like travellers' cheques, and I've never had my money stolen-ye