Mark the letter A, B, C or D on your answer sheet to indicate the word that differs from the other three in the position of the primary stress in each of the following questions.

Mark the letter A, B, C or D on your answer sheet to indicate the word that differs from the other three in the position of the primary stress in each of the following questions

Mark the letter A, B, C or D on your answer sheet to indicate the word whose underlined part differs from the other three in pronunciation in each of the following questions

Mark the letter A, B, C or D on your answer sheet to indicate the word whose underlined part differs from the other three in pronunciation in each of the following questions

Mark the letter A, B, C, or D on your answer sheet to indicate the sentence that is closest in meaning to the original sentence

"You should do exercise and eat more vegetables", the doctor said to me.

Mark the letter A, B, C, or D on your answer sheet to indicate the sentence that is closest in meaning to the original sentence

They report that soil pollution has seriously threatened the livelihood of many local farmers.

Mark the letter A, B, C, or D on your answer sheet to indicate the sentence that is closest in meaning to the original sentence

The workers at the factory are required to wear protective clothing. 

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions. 

     The biologist's role in society as well as his moral and ethical responsibility in the discovery and development of new ideas has led to a reassessment of his social and scientific value systems. A scientist can no longer ignore the consequences of his discoveries; he is as concerned with the possible misuses of his findings as he is with the basic research in which he is involved. This emerging social and political role of the biologist and all other scientists requires a weighing of values that cannot be done with the accuracy or the objectivity of a laboratory balance. As a member of society, it is necessary for a biologist now to redefine his social obligations and his functions, particularly in the realm of making judgments about such ethical problems as man's control of his environment or his manipulation of genes to direct further evolutionary development. 

     As a result of recent discoveries concerning hereditary mechanisms, genetic engineering, by which human traits are made to order, may soon be a reality. As desirable as it may seem to be, such an accomplishment would entail many value judgments. Who would decide, for example, which traits should be selected for change? In cases of genetic deficiencies and disease, the desirability of the change is obvious, but the possibilities for social misuse are so numerous that they may far outweigh the benefits. 

     Probably the greatest biological problem of the future, as it is of the present, will be to find ways to curb environmental pollution without interfering with man's constant effort to improve the quality of his life.  Many scientists believe that underlying the spectre of pollution is the problem of surplus human population. A rise in population necessitates an increase in the operations of modern industry, the waste products of which increase the pollution of air, water, and soil. The question of how many people the resources of the Earth can support is one of critical importance. 

     Although the solutions to these and many other problems are yet to be found, they do indicate the need for biologists to work with social scientists and other members of society in order to determine the requirements necessary for maintaining a healthy and productive planet. For although many of man's present and future problems may seem to be essentially social, political, or economic in nature, they have biological ramifications that could affect the very existence of life itself. 

The word "which" in paragraph 3 refers to_______

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions. 

     The biologist's role in society as well as his moral and ethical responsibility in the discovery and development of new ideas has led to a reassessment of his social and scientific value systems. A scientist can no longer ignore the consequences of his discoveries; he is as concerned with the possible misuses of his findings as he is with the basic research in which he is involved. This emerging social and political role of the biologist and all other scientists requires a weighing of values that cannot be done with the accuracy or the objectivity of a laboratory balance. As a member of society, it is necessary for a biologist now to redefine his social obligations and his functions, particularly in the realm of making judgments about such ethical problems as man's control of his environment or his manipulation of genes to direct further evolutionary development. 

     As a result of recent discoveries concerning hereditary mechanisms, genetic engineering, by which human traits are made to order, may soon be a reality. As desirable as it may seem to be, such an accomplishment would entail many value judgments. Who would decide, for example, which traits should be selected for change? In cases of genetic deficiencies and disease, the desirability of the change is obvious, but the possibilities for social misuse are so numerous that they may far outweigh the benefits. 

     Probably the greatest biological problem of the future, as it is of the present, will be to find ways to curb environmental pollution without interfering with man's constant effort to improve the quality of his life.  Many scientists believe that underlying the spectre of pollution is the problem of surplus human population. A rise in population necessitates an increase in the operations of modern industry, the waste products of which increase the pollution of air, water, and soil. The question of how many people the resources of the Earth can support is one of critical importance. 

          Although the solutions to these and many other problems are yet to be found, they do indicate the need for biologists to work with social scientists and other members of society in order to determine the requirements necessary for maintaining a healthy and productive planet. For although many of man's present and future problems may seem to be essentially social, political, or economic in nature, they have biological ramifications that could affect the very existence of life itself. 

According to the passage, a modern scientist should be more concerned about_________ .

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions. 

     The biologist's role in society as well as his moral and ethical responsibility in the discovery and development of new ideas has led to a reassessment of his social and scientific value systems. A scientist can no longer ignore the consequences of his discoveries; he is as concerned with the possible misuses of his findings as he is with the basic research in which he is involved. This emerging social and political role of the biologist and all other scientists requires a weighing of values that cannot be done with the accuracy or the objectivity of a laboratory balance. As a member of society, it is necessary for a biologist now to redefine his social obligations and his functions, particularly in the realm of making judgments about such ethical problems as man's control of his environment or his manipulation of genes to direct further evolutionary development. 

     As a result of recent discoveries concerning hereditary mechanisms, genetic engineering, by which human traits are made to order, may soon be a reality. As desirable as it may seem to be, such an accomplishment would entail many value judgments. Who would decide, for example, which traits should be selected for change? In cases of genetic deficiencies and disease, the desirability of the change is obvious, but the possibilities for social misuse are so numerous that they may far outweigh the benefits. 

     Probably the greatest biological problem of the future, as it is of the present, will be to find ways to curb environmental pollution without interfering with man's constant effort to improve the quality of his life.  Many scientists believe that underlying the spectre of pollution is the problem of surplus human population. A rise in population necessitates an increase in the operations of modern industry, the waste products of which increase the pollution of air, water, and soil. The question of how many people the resources of the Earth can support is one of critical importance. 

          Although the solutions to these and many other problems are yet to be found, they do indicate the need for biologists to work with social scientists and other members of society in order to determine the requirements necessary for maintaining a healthy and productive planet. For although many of man's present and future problems may seem to be essentially social, political, or economic in nature, they have biological ramifications that could affect the very existence of life itself

What is probably the most important biological problem mentioned in the passage?

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions. 

     The biologist's role in society as well as his moral and ethical responsibility in the discovery and development of new ideas has led to a reassessment of his social and scientific value systems. A scientist can no longer ignore the consequences of his discoveries; he is as concerned with the possible misuses of his findings as he is with the basic research in which he is involved. This emerging social and political role of the biologist and all other scientists requires a weighing of values that cannot be done with the accuracy or the objectivity of a laboratory balance. As a member of society, it is necessary for a biologist now to redefine his social obligations and his functions, particularly in the realm of making judgments about such ethical problems as man's control of his environment or his manipulation of genes to direct further evolutionary development. 

     As a result of recent discoveries concerning hereditary mechanisms, genetic engineering, by which human traits are made to order, may soon be a reality. As desirable as it may seem to be, such an accomplishment would entail many value judgments. Who would decide, for example, which traits should be selected for change? In cases of genetic deficiencies and disease, the desirability of the change is obvious, but the possibilities for social misuse are so numerous that they may far outweigh the benefits. 

     Probably the greatest biological problem of the future, as it is of the present, will be to find ways to curb environmental pollution without interfering with man's constant effort to improve the quality of his life.  Many scientists believe that underlying the spectre of pollution is the problem of surplus human population. A rise in population necessitates an increase in the operations of modern industry, the waste products of which increase the pollution of air, water, and soil. The question of how many people the resources of the Earth can support is one of critical importance. 

     Although the solutions to these and many other problems are yet to be found, they do indicate the need for biologists to work with social scientists and other members of society in order to determine the requirements necessary for maintaining a healthy and productive planet. For although many of man's present and future problems may seem to be essentially social, political, or economic in nature, they have biological ramifications that could affect the very existence of life itself. 

It is implied in the passage that genetic engineering______ . 

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions. 

     The biologist's role in society as well as his moral and ethical responsibility in the discovery and development of new ideas has led to a reassessment of his social and scientific value systems. A scientist can no longer ignore the consequences of his discoveries; he is as concerned with the possible misuses of his findings as he is with the basic research in which he is involved. This emerging social and political role of the biologist and all other scientists requires a weighing of values that cannot be done with the accuracy or the objectivity of a laboratory balance. As a member of society, it is necessary for a biologist now to redefine his social obligations and his functions, particularly in the realm of making judgments about such ethical problems as man's control of his environment or his manipulation of genes to direct further evolutionary development. 

     As a result of recent discoveries concerning hereditary mechanisms, genetic engineering, by which human traits are made to order, may soon be a reality. As desirable as it may seem to be, such an accomplishment would entail many value judgments. Who would decide, for example, which traits should be selected for change? In cases of genetic deficiencies and disease, the desirability of the change is obvious, but the possibilities for social misuse are so numerous that they may far outweigh the benefits. 

     Probably the greatest biological problem of the future, as it is of the present, will be to find ways to curb environmental pollution without interfering with man's constant effort to improve the quality of his life.  Many scientists believe that underlying the spectre of pollution is the problem of surplus human population. A rise in population necessitates an increase in the operations of modern industry, the waste products of which increase the pollution of air, water, and soil. The question of how many people the resources of the Earth can support is one of critical importance. 

          Although the solutions to these and many other problems are yet to be found, they do indicate the need for biologists to work with social scientists and other members of society in order to determine the requirements necessary for maintaining a healthy and productive planet. For although many of man's present and future problems may seem to be essentially social, political, or economic in nature, they have biological ramifications that could affect the very existence of life itself. 

What is the author's purpose in this passage? 

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions. 

     The biologist's role in society as well as his moral and ethical responsibility in the discovery and development of new ideas has led to a reassessment of his social and scientific value systems. A scientist can no longer ignore the consequences of his discoveries; he is as concerned with the possible misuses of his findings as he is with the basic research in which he is involved. This emerging social and political role of the biologist and all other scientists requires a weighing of values that cannot be done with the accuracy or the objectivity of a laboratory balance. As a member of society, it is necessary for a biologist now to redefine his social obligations and his functions, particularly in the realm of making judgments about such ethical problems as man's control of his environment or his manipulation of genes to direct further evolutionary development. 

     As a result of recent discoveries concerning hereditary mechanisms, genetic engineering, by which human traits are made to order, may soon be a reality. As desirable as it may seem to be, such an accomplishment would entail many value judgments. Who would decide, for example, which traits should be selected for change? In cases of genetic deficiencies and disease, the desirability of the change is obvious, but the possibilities for social misuse are so numerous that they may far outweigh the benefits. 

     Probably the greatest biological problem of the future, as it is of the present, will be to find ways to curb environmental pollution without interfering with man's constant effort to improve the quality of his life.  Many scientists believe that underlying the spectre of pollution is the problem of surplus human population. A rise in population necessitates an increase in the operations of modern industry, the waste products of which increase the pollution of air, water, and soil. The question of how many people the resources of the Earth can support is one of critical importance. 

     Although the solutions to these and many other problems are yet to be found, they do indicate the need for biologists to work with social scientists and other members of society in order to determine the requirements necessary for maintaining a healthy and productive planet. For although many of man's present and future problems may seem to be essentially social, political, or economic in nature, they have biological ramifications that could affect the very existence of life itself. 

According to the passage, to save our planet, biologists should work_____ .

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions. 

     The biologist's role in society as well as his moral and ethical responsibility in the discovery and development of new ideas has led to a reassessment of his social and scientific value systems. A scientist can no longer ignore the consequences of his discoveries; he is as concerned with the possible misuses of his findings as he is with the basic research in which he is involved. This emerging social and political role of the biologist and all other scientists requires a weighing of values that cannot be done with the accuracy or the objectivity of a laboratory balance. As a member of society, it is necessary for a biologist now to redefine his social obligations and his functions, particularly in the realm of making judgments about such ethical problems as man's control of his environment or his manipulation of genes to direct further evolutionary development. 

     As a result of recent discoveries concerning hereditary mechanisms, genetic engineering, by which human traits are made to order, may soon be a reality. As desirable as it may seem to be, such an accomplishment would entail many value judgments. Who would decide, for example, which traits should be selected for change? In cases of genetic deficiencies and disease, the desirability of the change is obvious, but the possibilities for social misuse are so numerous that they may far outweigh the benefits. 

     Probably the greatest biological problem of the future, as it is of the present, will be to find ways to curb environmental pollution without interfering with man's constant effort to improve the quality of his life.  Many scientists believe that underlying the spectre of pollution is the problem of surplus human population. A rise in population necessitates an increase in the operations of modern industry, the waste products of which increase the pollution of air, water, and soil. The question of how many people the resources of the Earth can support is one of critical importance. 

          Although the solutions to these and many other problems are yet to be found, they do indicate the need for biologists to work with social scientists and other members of society in order to determine the requirements necessary for maintaining a healthy and productive planet. For although many of man's present and future problems may seem to be essentially social, political, or economic in nature, they have biological ramifications that could affect the very existence of life itself

The word "underlying" in paragraph 3 could best be replaced by_____ .

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions. 

     The biologist's role in society as well as his moral and ethical responsibility in the discovery and development of new ideas has led to a reassessment of his social and scientific value systems. A scientist can no longer ignore the consequences of his discoveries; he is as concerned with the possible misuses of his findings as he is with the basic research in which he is involved. This emerging social and political role of the biologist and all other scientists requires a weighing of values that cannot be done with the accuracy or the objectivity of a laboratory balance. As a member of society, it is necessary for a biologist now to redefine his social obligations and his functions, particularly in the realm of making judgments about such ethical problems as man's control of his environment or his manipulation of genes to direct further evolutionary development. 

     As a result of recent discoveries concerning hereditary mechanisms, genetic engineering, by which human traits are made to order, may soon be a reality. As desirable as it may seem to be, such an accomplishment would entail many value judgments. Who would decide, for example, which traits should be selected for change? In cases of genetic deficiencies and disease, the desirability of the change is obvious, but the possibilities for social misuse are so numerous that they may far outweigh the benefits. 

     Probably the greatest biological problem of the future, as it is of the present, will be to find ways to curb environmental pollution without interfering with man's constant effort to improve the quality of his life.  Many scientists believe that underlying the spectre of pollution is the problem of surplus human population. A rise in population necessitates an increase in the operations of modern industry, the waste products of which increase the pollution of air, water, and soil. The question of how many people the resources of the Earth can support is one of critical importance. 

          Although the solutions to these and many other problems are yet to be found, they do indicate the need for biologists to work with social scientists and other members of society in order to determine the requirements necessary for maintaining a healthy and productive planet. For although many of man's present and future problems may seem to be essentially social, political, or economic in nature, they have biological ramifications that could affect the very existence of life itself

Which of the following is closest in meaning to the word "ramifications" in paragraph 4?

Mark the letter A, B, C, or D on your answer sheet to indicate the most suitable response to complete each of the following exchanges

Two friends, Peter and Lucy, are talking about Lucy’s hair. 

Peter: “What a great haircut, Lucy!” 

Lucy: "_________" 

Mark the letter A, B, C, or D on your answer sheet to indicate the most suitable response to complete each of the following exchanges

: Paul and Daisy are discussing life in the future. 

Paul: “I believe space travel will become more affordable for many people in the future.”

Daisy: “______________” 

Read the following passage and mark the letter A, B, C, or D to indicate the correct word or phrase that best fits each of the numbered blanks. In addition to the challenge to be excellent, American schools have been facing novel problems. They must (29) _________with an influx of immigrant children, many of whom speak little or no English. They must respond to demands that the curriculum reflects the various cultures of all children. Schools must make sure that students develop basic skills for the job market, and they must consider the needs of nontraditional students, such as teenage mothers. Schools are (30) _____ these problems in ways that reflect the diversity of the US educational system. They are hiring or training large numbers of teachers of English as a second language and, in some communities, setting up bilingual schools. They are opening up the traditional European-centered curriculum to embrace material from African, Asian, and other cultures. Schools are also teaching cognitive skills to the nearly 40 percent of American students (31) _____do not go on to higher education. In the (32) ______of a recent report by the Commission on Achieving Necessary Skills, “A strong back, the willingness to work, and a high school diploma were once all that was necessary to (33) _____ a start in America. They are no longer. A well-developed mind, a continued willingness to learn and the ability to put knowledge to work are the new keys to the future of our young people, the success of our business, and the economic well-being of the nation.”

Read the following passage and mark the letter A, B, C, or D to indicate the correct word or phrase that best fits each of the numbered blanks. In addition to the challenge to be excellent, American schools have been facing novel problems. They must (29) _________with an influx of immigrant children, many of whom speak little or no English. They must respond to demands that the curriculum reflects the various cultures of all children. Schools must make sure that students develop basic skills for the job market, and they must consider the needs of nontraditional students, such as teenage mothers. Schools are (30) _____ these problems in ways that reflect the diversity of the US educational system. They are hiring or training large numbers of teachers of English as a second language and, in some communities, setting up bilingual schools. They are opening up the traditional European-centered curriculum to embrace material from African, Asian, and other cultures. Schools are also teaching cognitive skills to the nearly 40 percent of American students (31) _____do not go on to higher education. In the (32) ______of a recent report by the Commission on Achieving Necessary Skills, “A strong back, the willingness to work, and a high school diploma were once all that was necessary to (33) _____ a start in America. They are no longer. A well-developed mind, a continued willingness to learn and the ability to put knowledge to work are the new keys to the future of our young people, the success of our business, and the economic well-being of the nation.”

Read the following passage and mark the letter A, B, C, or D to indicate the correct word or phrase that best fits each of the numbered blanks. In addition to the challenge to be excellent, American schools have been facing novel problems. They must (29) _________with an influx of immigrant children, many of whom speak little or no English. They must respond to demands that the curriculum reflects the various cultures of all children. Schools must make sure that students develop basic skills for the job market, and they must consider the needs of nontraditional students, such as teenage mothers. Schools are (30) _____ these problems in ways that reflect the diversity of the US educational system. They are hiring or training large numbers of teachers of English as a second language and, in some communities, setting up bilingual schools. They are opening up the traditional European-centered curriculum to embrace material from African, Asian, and other cultures. Schools are also teaching cognitive skills to the nearly 40 percent of American students (31) _____do not go on to higher education. In the (32) ______of a recent report by the Commission on Achieving Necessary Skills, “A strong back, the willingness to work, and a high school diploma were once all that was necessary to (33) _____ a start in America. They are no longer. A well-developed mind, a continued willingness to learn and the ability to put knowledge to work are the new keys to the future of our young people, the success of our business, and the economic well-being of the nation.”

Read the following passage and mark the letter A, B, C, or D to indicate the correct word or phrase that best fits each of the numbered blanks. 

     In addition to the challenge to be excellent, American schools have been facing novel problems. They must (29) _________with an influx of immigrant children, many of whom speak little or no English. They must respond to demands that the curriculum reflects the various cultures of all children. Schools must make sure that students develop basic skills for the job market, and they must consider the needs of nontraditional students, such as teenage mothers. 

     Schools are (30) _____ these problems in ways that reflect the diversity of the US educational system.  They are hiring or training large numbers of teachers of English as a second language and, in some communities, setting up bilingual schools. They are opening up the traditional European-centered curriculum to embrace material from African, Asian, and other cultures. 

     Schools are also teaching cognitive skills to the nearly 40 percent of American students (31) _____do not go on to higher education. In the (32) ______of a recent report by the Commission on Achieving Necessary Skills, “A strong back, the willingness to work, and a high school diploma were once all that was necessary to (33) _____ a start in America. They are no longer. A well-developed mind, a continued willingness to learn and the ability to put knowledge to work are the new keys to the future of our young people, the success of our business, and the economic well-being of the nation.” 

Read the following passage and mark the letter A, B, C, or D to indicate the correct word or phrase that best fits each of the numbered blanks. In addition to the challenge to be excellent, American schools have been facing novel problems. They must (29) _________with an influx of immigrant children, many of whom speak little or no English. They must respond to demands that the curriculum reflects the various cultures of all children. Schools must make sure that students develop basic skills for the job market, and they must consider the needs of nontraditional students, such as teenage mothers. Schools are (30) _____ these problems in ways that reflect the diversity of the US educational system. They are hiring or training large numbers of teachers of English as a second language and, in some communities, setting up bilingual schools. They are opening up the traditional European-centered curriculum to embrace material from African, Asian, and other cultures. Schools are also teaching cognitive skills to the nearly 40 percent of American students (31) _____do not go on to higher education. In the (32) ______of a recent report by the Commission on Achieving Necessary Skills, “A strong back, the willingness to work, and a high school diploma were once all that was necessary to (33) _____ a start in America. They are no longer. A well-developed mind, a continued willingness to learn and the ability to put knowledge to work are the new keys to the future of our young people, the success of our business, and the economic well-being of the nation.”

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions. 

     Banking and banks are very important for the functioning of the modern world. Without banks, the way we use money would not work. Banks enable people to save money, borrow money and to pay for things with ease and security. 

     Each country in the world has its own well-known banks that have branches in nearly every city so that they are convenient for people to use. People often have to visit the local branch of the bank when they want certain services. There are also some very big multinational banks that have branches in most countries in the world. 

     As well as the local branches that are in most cities, each bank will also have a head office. This is where all central tasks are performed that let the local branches function. The people that work in the branches will be the bank manager, the person in charge, and various tellers who work behind the bank counter and help the customers. There will also likely be security guards to protect the money, workers and customers. Most customers will just need to see the tellers when they go to the bank if they are paying money into their account as either cash or a check. However, they might need to see the bank manager if they want to open an account or if they have become overdrawn, when they have spent more money than there was in the account. Also if they want to borrow money and get a loan the person will need to see the bank manager who will have to approve it. 

          As well as being able to use cash or checks to pay for things, banks also offer their customers the more convenient methods of using either a debit card or credit card. These methods are very convenient as you just need to carry a small plastic card to be able to pay for anything. When paying with plastic you will need to either sign a receipt or enter a PIN number to confirm the purchase and that you are authorized to use the card

According to the passage, all of the following statements are true EXCEPT_________.

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions. 

     Banking and banks are very important for the functioning of the modern world. Without banks, the way we use money would not work. Banks enable people to save money, borrow money and to pay for things with ease and security. 

     Each country in the world has its own well-known banks that have branches in nearly every city so that they are convenient for people to use. People often have to visit the local branch of the bank when they want certain services. There are also some very big multinational banks that have branches in most countries in the world. 

     As well as the local branches that are in most cities, each bank will also have a head office. This is where all central tasks are performed that let the local branches function. The people that work in the branches will be the bank manager, the person in charge, and various tellers who work behind the bank counter and help the customers. There will also likely be security guards to protect the money, workers and customers. Most customers will just need to see the tellers when they go to the bank if they are paying money into their account as either cash or a check. However, they might need to see the bank manager if they want to open an account or if they have become overdrawn, when they have spent more money than there was in the account. Also if they want to borrow money and get a loan the person will need to see the bank manager who will have to approve it. 

          As well as being able to use cash or checks to pay for things, banks also offer their customers the more convenient methods of using either a debit card or credit card. These methods are very convenient as you just need to carry a small plastic card to be able to pay for anything. When paying with plastic you will need to either sign a receipt or enter a PIN number to confirm the purchase and that you are authorized to use the card

The word “they” in the passage refers to_________. 

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions. 

     Banking and banks are very important for the functioning of the modern world. Without banks, the way we use money would not work. Banks enable people to save money, borrow money and to pay for things with ease and security. 

     Each country in the world has its own well-known banks that have branches in nearly every city so that they are convenient for people to use. People often have to visit the local branch of the bank when they want certain services. There are also some very big multinational banks that have branches in most countries in the world. 

     As well as the local branches that are in most cities, each bank will also have a head office. This is where all central tasks are performed that let the local branches function. The people that work in the branches will be the bank manager, the person in charge, and various tellers who work behind the bank counter and help the customers. There will also likely be security guards to protect the money, workers and customers. Most customers will just need to see the tellers when they go to the bank if they are paying money into their account as either cash or a check. However, they might need to see the bank manager if they want to open an account or if they have become overdrawn, when they have spent more money than there was in the account. Also if they want to borrow money and get a loan the person will need to see the bank manager who will have to approve it. 

          As well as being able to use cash or checks to pay for things, banks also offer their customers the more convenient methods of using either a debit card or credit card. These methods are very convenient as you just need to carry a small plastic card to be able to pay for anything. When paying with plastic you will need to either sign a receipt or enter a PIN number to confirm the purchase and that you are authorized to use the card

What happens when bank customers spend more money than they have in their account?

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions. 

     Banking and banks are very important for the functioning of the modern world. Without banks, the way we use money would not work. Banks enable people to save money, borrow money and to pay for things with ease and security. 

     Each country in the world has its own well-known banks that have branches in nearly every city so that they are convenient for people to use. People often have to visit the local branch of the bank when they want certain services. There are also some very big multinational banks that have branches in most countries in the world. 

     As well as the local branches that are in most cities, each bank will also have a head office. This is where all central tasks are performed that let the local branches function. The people that work in the branches will be the bank manager, the person in charge, and various tellers who work behind the bank counter and help the customers. There will also likely be security guards to protect the money, workers and customers. Most customers will just need to see the tellers when they go to the bank if they are paying money into their account as either cash or a check. However, they might need to see the bank manager if they want to open an account or if they have become overdrawn, when they have spent more money than there was in the account. Also if they want to borrow money and get a loan the person will need to see the bank manager who will have to approve it. 

          As well as being able to use cash or checks to pay for things, banks also offer their customers the more convenient methods of using either a debit card or credit card. These methods are very convenient as you just need to carry a small plastic card to be able to pay for anything. When paying with plastic you will need to either sign a receipt or enter a PIN number to confirm the purchase and that you are authorized to use the card

The word “authorized” in the passage can be replaced by_________.

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions. 

     Banking and banks are very important for the functioning of the modern world. Without banks, the way we use money would not work. Banks enable people to save money, borrow money and to pay for things with ease and security. 

     Each country in the world has its own well-known banks that have branches in nearly every city so that they are convenient for people to use. People often have to visit the local branch of the bank when they want certain services. There are also some very big multinational banks that have branches in most countries in the world. 

     As well as the local branches that are in most cities, each bank will also have a head office. This is where all central tasks are performed that let the local branches function. The people that work in the branches will be the bank manager, the person in charge, and various tellers who work behind the bank counter and help the customers. There will also likely be security guards to protect the money, workers and customers. Most customers will just need to see the tellers when they go to the bank if they are paying money into their account as either cash or a check. However, they might need to see the bank manager if they want to open an account or if they have become overdrawn, when they have spent more money than there was in the account. Also if they want to borrow money and get a loan the person will need to see the bank manager who will have to approve it. 

          As well as being able to use cash or checks to pay for things, banks also offer their customers the more convenient methods of using either a debit card or credit card. These methods are very convenient as you just need to carry a small plastic card to be able to pay for anything. When paying with plastic you will need to either sign a receipt or enter a PIN number to confirm the purchase and that you are authorized to use the card

What is the purpose of the head office of a bank? 

Mark the letter A, B C or D on your answer sheet to indicate the word(s) OPPOSITE in meaning to the underlined word(s) in each of the following questions

The writer was really hot under the collar when his novel was mistaken for another.

Mark the letter A, B C or D on your answer sheet to indicate the word(s) OPPOSITE in meaning to the underlined word(s) in each of the following questions

The two most pressing problems facing many cities in the world today usually come together:  poverty and environmental degradation

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_________ thousands of years ago, the ancient place is still popular with modern tourists

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When someone is down on their_________, friends are not easy to find.

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_________, we will continue our hiking

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The students' plan for a musical show to raise money for charity received ______ support from the school administrators. 

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It is believed that travelling is a good way to expand our _________ of the world.

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Michael rarely returns to his hometown, _________? 

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A love marriage, however, does not necessarily _____ much sharing of interests and responsibilities

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She hurt herself while she _____ hide-and-seek with her friends

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It is of great importance to create a good impression _________ your interviewer

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: Parents often advise their children to study hard in the hope that they will ______ success in the future. 

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If he were younger, he_________ a professional running competition now.