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 qo to the bank if they are payinq 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 overdraw, 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 conform the purchase and that you are authorized to use the card.

What happens when a bank customer spends more money than they have in their account?

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My mother has____________for a bargain.

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Such a doctor____________retire from his job before the retirement age.

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He expects that the new trend will soon____________here.

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.

Jonas Salk is the American physician and medical researcher who developed the first safe and effective vaccine for poliomyelitis. Salk received his M.D. in 1939 from New York University College of Medicine, where he worked with Thomas Francis Jr., who was studying how to develop vaccines from killed viruses. Salk joined Francis in 1942 at the University of Michigan School of Public Health and became part of a group that was working to develop a vaccine against influenza.

In 1947, Salk became associate professor of bacteriology and head of the Virus Research Laboratory at the University of Pittsburgh School of Medicine, where he began research on poliomyelitis. Working with scientists from other universities in a program to classify the various strains of the polio virus, Salk corroborated other studies in identifying three separate strains. He then demonstrated that killed virus of each of the three, although incapable of producing the disease, could induce antibody formation in monkeys.

In 1952, he conducted field tests of his killed-virus vaccine, first on children who had recovered from polio and then on subjects who had not had the disease. The results of both tests showed that the children’s antibody levels rose significantly and no subjects contracted polio from the vaccine. His findings were published the following year in the Journal of the American Medical Association. In 1954, a mass field trial was held, and the vaccine, injected by needle, was found to safely reduce the incidence of polio. On April 12,1955, the vaccine was released for use in the United States. Salk served successively as professor of bacteriology, preventive medicine, and experimental medicine at Pittsburgh, and in 1963, he became fellow and director of the Institute for Biological Studies in San Diego, California, later called the Salk Institute. Among many other honors, he was awarded the Presidential Medal of Freedom in 1977.

What is the main idea of the passage?

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Rarely have I visited____________Bangkok, the capital of Thailand.

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Never in my life____________such an intelligent boy.

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How well people remember things____________on many different factors

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I walked away as calmly as I could. ____________, they would have thought I was a thief.

Mark the letter A, B, C, or D on your answer sheet to indicate the underlined part that needs correction in each of the following questions.

(A) It's thirty years (B) since this (C) fifty-storeys building (D) was built.

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks from 26 to 30.

Instant messaging enables you to get (26) ____________touch with somebody immediately and talk in real time to that person in a (27) ____________artificial while seemingly urgent way. Instant messaging discourages self-censoring, voice clues, or reality-based feedback loop. If you're angry with one another (or even if you're not), you may end (28) ____________typing something that you might not have said if you had a little longer to think it through. Although you do get an instant response, it's not the same as a conversation, so things like tone, (29) ____________           of humour, body language, and irony really do get (30) ____________in typing. No matter how you cut it, communicating through the Internet really is simply typing. Chat rooms are another part of the fantasy world of the Internet. They've been known to be very disruptive to relationships even when they're not suggestive or pornographic, and when they are.

Điền vào ô số 26

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

My wife was good enough to____________my mistake.

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

My husband has lost his job, so we'll have to tighten our belt to avoid getting into debt.

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

On my birthday, my mother gave me a____________

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 qo to the bank if they are payinq 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 overdraw, 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 conform the purchase and that you are authorized to use the card.

According to the passage, what do banks enable people to do?

Mark the letter A, B, C, or D on your answer sheet to indicate the sentence that is closest in meaning to each of the following questions.

Bill's English is much better than it was.