Read these short conversations and act them out.

Bank Clerk: Good morning. What can I do for you?

Oleg Rodimov: Good morning. I would like to open a savings account. I'd like to open it with a deposit of one thousand dollars.

Clerk: Would you please fill out this application. Besides you need to write a deposit ticket for 1000 dollars. It you have any questions, I'll be glad to assist you.

О.R. fills out the application and deposit ticket.

Clerk: Everything is correct. Here is your pass-book. The bank will pay you 5% interest.

O.R.: Thank you for your assistance.

Clerk: Good afternoon. May I help you?

Oleg Rodimov: Good afternoon. I'm here to open a checking account. My name is Oleg Rodimov. My wife's name is Vera.

C.: Do you want a joint account with your spouse?

R.: Yes, I do. Is there a minimum balance required?

C.:If you open a checking account, you are supposed to main­tain an average daily balance of 1000 dollars. As long as you keep this average balance, you won't be charged for banking services of six dollars a month and you won't be charged for your transactions.

R.: What is meant by transaction charge?

C.: You'll have to pay 25 cents for each check made by you or your spouse, and also 25 cents for each cash withdrawal.

R.: I'd like to open a checking account with a deposit of 1500 dollars. Is that okay?

C.: It's perfectly all right. You can order your check books after having filled out an application and your deposit ticket.

R. is filling out an application and deposit ticket.

R.: Is anything wrong?

C.: Everything is correct. Now you can order your check books.

R.: Thanks a lot for your assistance.

Mr Smith: Good morning.

Bank Clerk: Good morning, sir.

S.: I'd like to withdraw 950 euro.

C.: What notes would you like?

S.: One 500 euro note, four 100 euro notes and one 50.

C.: Here you are, sir. It's 950.

S.: Thank you. Please, could you give me some information? I'm going to South America for one month. What do you suggest I take – traveller's checks or cash?

C.: Oh, it's better to take traveller's checks. It's safer.

S.: Thank you. Good-bye!

C.: Good-bye, sir.

Bank Clerk: Good morning, madam. Can I help you?

Missis Brown: Yes, I'd like to cash this traveller's check, please.

C.: What notes would you like?

В.: Two ten-pound notes.

C.: Here is your money, madam.

В.: Thank you. Good-bye!

C.: Good-bye, madam.

A.: Where do you keep your money? In a bank account? In a safe? In a sock? Under your mattress?

В.: Personally I have a small current (A.E. – checking) account and I receive a statement every month.

A.: Is your account sometimes overdrawn?

В.:Yes, I must admit my account is sometimes in the red.

A.: Aha, so you must pay interest? Or you are overdraft?

В.: Yes, I pay a lot of bank charges. What sort of bank account do you have? A current account? A savings account? A joint account with your wife (or husband)? Do you prefer to pay cash?

A.: Personally, I prefer not to pay at all.