单项选择题

A bank manager speaks
My name is Jane Carson and I'm the manager of a savings bank in Portland, Oregon. My bank is open every day from 8: 30 in the morning until 4: 00 in the afternoon. On Fridays the bank remains open until 6:30 in the evening.
Friday is our busiest day. Many people get their paychecks on Fridays and they come into deposit them. I find that on Fridays I have to keep six windows open all day long. My bank tries very hard to reduce the amount of time that customers have to waif for servicE.We have many signs to remind people that they need their passbooks for all transactions and that they must fill out their deposit of withdrawal slips completely. If our depositors cooperate with us we can accommodate them with as few delays as possiblE.
Of course, people do forget. The tellers inform. me that many customers still forget to endorse their checks or try to open or close joint accounts with the signature of only one of the parties. But I hope that my program of information for customers will reduce such delays.
Banking has changed a lot in recent years. Computers now do much of the work that the tellers used to do. As computers improve, they are able to accomplish more difficult tasks and they help us serve our customers better.
Another important change in banking, especially for savings banks, are the many different term deposit accounts that are now available to our customers. Since these certificates of deposit offer very high interest rates they help attract depositors to our bank. I make sure that my staff always has the latest information about these accounts so that they can advise our depositors correctly.
My bank is not a very large bank. The total of our current assets and fixed assets comes to 15 550 000 dollars. I'm proud of our balance sheet. Although some banks across the country are having difficulties, my bank has more assets than liabilities. We are solvent and growing. The number of customers we serve has increased this year and I expect that it will continue to grow in the futurE.
Comprehension check
State whether each sentence is true or false based on the reading.
Jane Carson's bank closes at 3: 00 p. in. on Fridays.
A.True
B.False

A.B.
C.
D.
E.
F.
G.
Jane
H.
A.True
B.False

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Checking accountsIn the United States, checking accounts are available only at commercial banks. Commercial banks specialize in demand deposits, such as checking accounts. A checking account is money that a customer deposits in order to use that money to write checks. Saving accounts pay the depositor interest but checking accounts do not. In fact, checking account customers pay the bank a service charge for the bookkeeping involved in administering the account.The method of recordkeeping is also different in savings accounts and checking accounts. A depositor must present his passbook for any savings account transaction. The bank records these transactions in the depositor's passbook. Checking account customers, however, do not have passbooks. They themselves record the amounts of the checks that they write and they receive a monthly statement from the bank. This statement lists all the checks that the bank paid and all deposits that the account holder made during the month. The bank usually sends the statements with the customer's cancelled checks. The customer then compares the balance on the statement with the balance in his own records by subtracting the total of his outstanding checks.There are other fees that the bank may collect from checking account holders. For instance, banks charge a fee for stopping payment to a check. When a depositor decides that be doesn't want the bank to pay a payee, but he bas already written a check to that person, he may give the bank a stop payment order. The bank will then refuse to pay this check, and charges the depositor a feE.'Banks also charge a depositor a fee when he is overdrawn. A depositor is overdrawn when he writes a check for more money than the balance in his account: The bank marks the check 'insufficient funds', returns it, and charges a penalty for it. In everyday language we say that a check returned for insufficient funds has 'bounced'.Recent changes in banking regulations have allowed savings banks to offer negotiable order of withdrawal accounts. These accounts, called N. O. W. accounts, are very similar to checking accounts but they pay interest like savings accounts. The depositor can write withdrawal orders against the balance in the account. These withdrawal orders look like checks, and depositors receive a monthly statement summarizing deposits and withdrawals. There is often no service charge if depositors keep a minimum balance in their accounts. Commercial banks also offer N. O. W. accounts.As far as checking accounts go, the difference between savings banks and commercial banks is growing smaller in the U. S.State whether each statement is true or false based on the reading.Checking accounts are available at savings banks.A.TrueB.False

A.B.
C.
D.
E.
F.
Checking
G.
A.True
B.False

单项选择题

听力原文：M: It's such a nice day today. I really don't feel like going to school.W: But exams are coming up next week.What does the woman think he should do?A.Quit school.B.Go to school.C.Take the day off from school.D.Take the exam.

A.W:
B.
What
C.Quit
D.
B.Go
E.
C.Take
F.
D.Take
G.