English Unit Six / Lesson One PDF

Lesson 1 Keywords: ATM= ‫آلة حتديد الرصيد‬ Automated deposit ‫ايداع‬ Teller machine ‫بصورة ذاتية‬ Bank card ‫بطاقة مصرفية‬ Cash ‫نقد‬...

Lesson 1 Keywords: ATM= ‫آلة حتديد الرصيد‬ Automated deposit ‫ايداع‬ Teller machine ‫بصورة ذاتية‬ Bank card ‫بطاقة مصرفية‬ Cash ‫نقد‬ Bank ‫كشف حساب‬ loan ‫قرض‬ statement Balance ‫الرصيد املتبقي‬ PIN ‫الرمز الشخصي‬ CCB=City ‫املصرف التجاري‬ Cheque ‫صك‬ Commercial Bank ‫احمللي‬ Transaction ‫تعامل جتاري‬ account ‫حساب‬ amount of Withdrawal )‫سحب (نقود‬ )‫كمية النقود (مبلغ‬ money Bank account ‫حساب مصريف‬ A\ Match the words and the definitions. Look bank statement on page 54 of the student's Book to help you. ‫ من كتلاب الطلالب‬54 ‫و صللل الالملال والتعلاريف وان ر ا ك شللف اج سللاب املوةود يف ال صل حلة‬.)‫ملساعدتك ياون السؤال اسقاطال او ربط (تعتمد على الدالئل‬ ①bank statement a) money that you put in your bank account ②account number b) paper that tells you about what happened to your bank account in the past month ③ balance c) the number that is used to identify your account 1 ④ transaction d) money taken out of your account ⑤ withdrawal e) the total amount of money in your account ⑥ deposit f) activity in your bank account ①b ②c ③e ④f ⑤d ⑥a ‫ زاوج بني الالمال وتعاري ها‬/A ‫( النقود اليت تضعها يف حسابك املصريف‬A )‫① كشف اجساب (دفرت املصرف‬ ‫( ورقة تبني ما حدث جسابك املصريف الشهر ال ائت‬B ‫② رقم اجساب‬ ‫( الرقم الذي يستعمل لتحديد حسابك‬C ‫③ الرصيد املتبقي‬ ‫( النقود املسحوبة من حسابك‬D ‫④ التعامل التجاري‬.‫( املبلغ الالي للنقود املوةود يف حسابك‬E ‫⑤ السحب‬.‫( التداول (ال عالية) يف حسابك املصريف‬F )‫⑥ اجساب الثابت (االيداع‬ B\ Look at the example from the conversation. Your account number , which is an eight-digital number , appears on the top right Q\ Complete the following sentences with a non-defining relative clause from the box. Put commas where necessary. ‫ ضع فارزة عند الضرورة‬، ‫أكمل اجلمل التالية بعبارال الوصل من املربع‬ Which is in the column on the right which I deposited on the 10th Who is Rami's brother where I sometimes buy clothes Which you'll get every month which I played yesterday for the first time. ① Your bank statement , …………………….. is very important ② Aziz, ………………………………….…. Is very helpful ③ The mall, …………………….……….…. Has fabulous shops ④ The computer game, ………………………… are really great ⑤ Don't forget to check your balance ……………….………… ⑥ The cheque, ……………………..……..was for 450 pounds. 2 ① your bank statement, which you'll get every month, is very important. ‫ مهم جدا‬، ‫ والذي احصل عليه شهريا‬، ‫كشف الحساب‬ ② Aziz, who is Rami's brother , is very helpful. ‫ دائما يقدم المساعدة‬، ‫ الذي هو شقيق رامي‬، ‫عزيز‬ ③ The mall, where I sometimes buy clothes, has fabulous shops. ‫ لديه المحالت التجارية الرائعة‬، ‫ والذي اشتري منه المالبس احيانا‬، )‫المول (السوق‬ ④ The computer games, which I played yesterday for the first time, are really great. ‫ ممتازة حقا‬، ‫ والتي لعبتها امس للمرة االولى‬، ‫العاب الكمبيوتر‬ ⑤ Don't forget to check your balance, which is in the column on the right. ‫ والذي هو في العمود على اليمين‬، ‫ال تنسى ان تحقق من الرصيد‬ ⑥ The cheque , which I deposited on the 10th, was for 450 pounds ‫ باوند‬450 ‫ كان‬، ‫الصك الذي ودعته في العاشر من الشهر‬ 3.‫ ❷ حفظ التعريف امالء‬.‫المطلوب ❶ اسقاطات تعتمد على الدالئل‬ C/ complete the definitions ‫اكمل التعاريف التالية‬ Bank card: A piece of plastic you can use to pay for things or get money in the street. ‫قطعة من البالستك اليت ميان استخدامها لدفع مثن االشياء او اجصول على‬.‫املال يف الشارع‬ ATM : Somewhere you can get money using a bank card..‫ماان ما ميانك اجصول على املال باستخدام بطاقة البنك‬ PIN : A secret number you can use with a bank card to stop others using it. ‫رقم سري ميانك استعماله مع البطاقة املصرفية ملنع االخرين من استخدامه‬ Cheque : A piece of paper you can use to pay things..‫قطعة من الورق ميانك استخدامها لدفع مثن االشياء‬ Credit card : A piece of plastic you can use to buy things and pay for them later. ‫قطعة من البالستك اليت ميانك استخدامها لشراء االشياء‬ Q / Complete the paragraph with words from the lesson : ‫اكمل ال قرة بالمال من الدرس‬ I opened ① ______ last month. Now I've got ② ________ which I can use to get money out of the ③ _____. Yesterday , I made a ④ ______ of 12,000 Iraqi dinars to go to the cinema and buy some juice. I need remember To write down how much I spend- it's easy to spend too much money ! I should Get a ⑤ ______ very soon , which will show me how much money I've still got in my account. I haven't got a ⑥ _______ yet , so I pay for everything by cash or by cheque. 4 ① a bank account ② a bank card ③ ATM. ④ withdrawal. ⑤ bank statement. ⑥ credit card. Keywords: Current account ‫حساب ةاري‬ rate of interest ‫سعر ال ائدة‬ Cheque book ‫دفرت صاوك‬ maintain ‫حيافظ على‬ Saving account )‫حساب االدخار (التوفري‬ fee ‫رسم‬ Open an account ‫ي تح حسابا‬ charge )‫ي رض (رسم‬ Interest ‫فائدة‬ overdraft facility ‫تسهيل مصريف‬ ‫مهم اسقاطات‬ 5 A \ Read the information on page 55 of Student's Book. Answer the questions. ‫ يف كتاب الطالب ثم اةب على االسئلة التالية‬55‫ اقرأ املعلومال على ص‬/A ① Which account is best if you want to save money to buy something expensive ? ‫أي حساب افضل لك اذا اردت ان تدخر النقود لشراء شيء ثمينل‬ …………………………. ………………………………………… ② Which account can you get if you are 16 ? ‫ سنة‬16 ‫أي حساب يمكن ان تقوم به اذا كنت تبلغ من العمر‬ …………………………………………………………………….. ③ Which account requires a minimum balance ? ‫أي حساب يتطلب اقل رصيد ؟‬ …………………………………………………………………….. ④ Which account should you get spend more money than you have in your account ? ‫اذا اعت قددت ا ندك تح تداب مبلغ كبير من ال مدال ل صددر فده بح يدك يكون اكثر م مدا موجود في‬ ‫ أي نوع من الحساب يجب ان تقوم به ؟‬، ‫حسابك‬ …………………………………………………………………….. ⑤ Which account can you get only if you are at university ? )‫أي حساب يجب عليك ان تقوم به فقط اذا كنت في الجامعة ؟ (الجواب للحفظ إمالء‬ 1) A savings account. ‫حساب التوفري‬ 2) A children's account. ‫حساب االط ال‬ 3) A current account. ‫اجساب اجلاري‬ 4) A current account. ‫اجساب اجلاري‬ 5) A university student account. ‫حساب الطالب اجلامعي‬ 6 B\ Match the verbs and nouns to make collocations..‫صيغة الربط مهم كل النقاط وزاري او ح ظ الالمة الثانية امالء‬ ❶ Open A. 5 million Iraqi dinars ❷ Pay B. interest ❸ Deposit C. A fee ❹ Make D. An account ❺ Maintain E. A withdrawal ❻ Charge F. A minimum balance 2022 ‫( درةال‬5) ‫❶ صيغة الربط‬ Open an account ‫ي تح حساب‬ Pay interest ‫يدفع فائدة‬ Deposit 5 million Iraqi dinars ‫ مليون دينار عراقي‬5 ‫ايداع‬ Make a withdrawal ‫يقوم بسحب االموال‬ Maintain a minimum balance ‫يبقى على اقل رصيد‬ Charge a fee ‫يدفع رسم‬.‫❷ صيغة االمالء‬ Open , an account Pay , ‫ــــــــــــــــــــــ‬ Make , ‫ــــــــــــــــــــــ‬ 7 ‫‪① taken out‬‬ ‫‪ ② identify‬مسحوبة‬ ‫يتعرف على‬ ‫‪③ amount‬‬ ‫‪ ④ digital number‬مبلغ ‪ /‬كمية‬ ‫سلسلة ارقام‬ ‫‪⑤ appear‬‬ ‫‪ ⑥ necessary‬ي هر‬ ‫ضروري‬ ‫‪⑦ Column‬‬ ‫‪ ⑧ helpful‬عمود يف ورقة‬ ‫متعاون‬ ‫‪⑨ Fabulous‬‬ ‫‪ ⑩ Secret‬رائعة‬ ‫سر‬ ‫‪⑪ by Cash‬‬ ‫‪ ⑫ remember‬نقدا‬ ‫يتذكر‬ ‫‪⑬ Pay For‬‬ ‫‪ ⑭ Kind‬يدفع النقود‬ ‫نوع ‪ /‬عطوف‬ ‫‪⑮ Special‬‬ ‫‪ ⑯ Sound‬خاص‬ ‫يبدو ‪ ,‬صول‬ ‫‪⑰ bills‬‬ ‫‪ ⑱ Pills‬فواتري‬ ‫حبوب‬ ‫‪⑲ able‬‬ ‫‪ ⑳ withdrawls‬قادر‬ ‫مبالغ مسحوبة‬ ‫‪(21) all over the world‬‬ ‫‪ (22) deposit‬يف مجيع احناء العامل‬ ‫يودع‬ ‫‪(23) renovate‬‬ ‫‪ (24) rob‬جيدد ‪ ,‬يصلح‬ ‫يسرق‬ ‫‪(25) Coins‬‬ ‫‪ (26) Sign‬عمالل معدنية‬ ‫يوقع ‪ ,‬خيتم‬ ‫‪(27) Publish‬‬ ‫‪ (28) repair‬ينشر ‪ ,‬يصدر‬ ‫يصلح‬ ‫‪(29) Paint‬‬ ‫‪ (30) go back‬يصبغ ‪ ,‬يطلي‬ ‫يرةع‬ ‫‪(31) else‬‬ ‫‪ (32) get blocked‬اخر‬ ‫تغلق ‪ ,‬تق ل‬ ‫‪(33) reach‬‬ ‫‪ (34) instead‬تصل‬ ‫بدال من ذلك‬ ‫‪(35) account‬‬ ‫‪ (36) give back‬حساب‬ ‫تعيد ‪ ,‬ترةع‬ ‫‪(37) receive‬‬ ‫‪ (38) rush‬يستلم‬ ‫يستعجل‬ ‫‪(39) Partner‬‬ ‫‪ (40) Pay For‬رفيق‬ ‫يدفع مثن‬ ‫‪(41) worth‬‬ ‫‪ (42) Free‬ذال قيمة‬ ‫جمللا نلي ‪ ,‬حلر‬ ‫فراغ‬ ‫‪8‬‬  ‫المبني للمجهول‬ ‫لماذا سمي بالمبني للمجهول؟‬ ‫هنالك عدة أسباب أهمها‪-:‬‬ ‫❶ ال عل ياون يف اجلملة اهم من ال اعل‪.‬‬ ‫❷ احياناً ياون ال اعل معروف من سياق اجلملة‪.‬‬ ‫اساسيات المبني للمجهول‪-:‬‬ ‫عند حتويل أي مجلة ا صيغة املنيب للمجهول جيب ان نتبع اخلطوال االتية‪:‬‬ ‫❶ حذف ال اعل عند اإلةابة ‪.‬‬ ‫❷ نأتي بامل عول به عند اجلواب يف البداية و امل عول به ياون بعد ال عل مباشرة‪.‬‬ ‫❸ نأتي ب عل كينونة من عندنا حسب زمن اجلملة ((جيب معرفة الزمن لنأتي ب عل من عندنا))‬ ‫❹ ثم حنول فعل السؤال ا صيغة التصريف الثالث عند اجلواب ثم التاملة‪.‬‬ ‫ل ‪ +‬م ‪.‬به ‪ +‬فعل رئيسي ‪( +‬فعل مساعد ) ‪ +‬فاعل‬ ‫عند اجلواب‬ ‫‪ + p.p‬فعل حسب زمن اجلملة ‪ +‬م ‪.‬به‬ ‫‪.‬ل ‪ +‬حنول ال عل ا‬ ‫‪9‬‬  -:‫وهنا سوف نأتي باألزمنة اليت تستخدم يف السؤال لتحويل اجلملة ا مبين للمجهول‬ ❶ Present simple: - ‫القاعدة‬ s v. + Sub + es + Obj + complement. inf. ‫عند اجلواب‬ is Obj + are + p.p ‫ حنول ال اعل ا‬+ ‫ل‬ am ❶ Suha cleans the dishes every day (Passive Voice) - The dishes are cleaned every day. ❷ Ali teaches history well. (Passive Voice) - ……………………………………………. ❷ Past simple: - ‫القاعدة‬ Sub + past verb + Obj + complement. ‫عند اجلواب‬ was Obj + were + p.p ‫ حنول ال عل ا‬+ complement. ❶ she wrote the letter yesterday. (Passive Voice) - The letter was written yesterday. ❷ Someone robbed the bank last week. (Passive Voice) - ……………………………………………. 10 ❸ Future simple: - ‫القاعدة‬ can Sub + will + inf + Obj + complement. may ‫عند اجلواب‬ will + be will , can Obj + ‫ من عندنا‬+ p.p ‫ا‬ ‫ حنول ال عل بعد‬+ complement. may ❶ she will make the party next week. (Passive Voice) The party will be made next week. (Passive Form) ❷ My father will pay the bill tomorrow. (Passive Voice) …………………………………………………. ❹ Past continuous: - ‫القاعدة‬ was Sub + + v. + ing.+ Obj + complement. were ‫عند اجلواب‬ was Obj + were + being + p.p ‫ ( ا‬ing ( ‫ حنول ال عل املنتهي بـ‬+ complement. ‫من عندنا‬ ❶ Ali was driving the car fast (Passive Voice) - The car was driving fast. ❷ Ali was watching the film two hours ago. (Passive Voice) …………………………………………………. 11 ❺ Present continuous: - ‫القاعدة‬ is Sub + are + v. + ing + Obj + complement. am ‫عند اجلواب‬ is + being Obj + are + p.p ‫ ( ا‬ing ( ‫ حنول ال عل املنتهي بـ‬+ complement. am ‫من عندنا‬ ❶ Ali is teaching the students now. - The students are being taught now. ❷ Suha is cleaning the dishes right now. (Passive Voice) …………………………………………………. ❻ Present perfect: - ‫القاعدة‬ has Sub + + p.p + Obj + complement. have ‫عند اجلواب‬ has + been Obj + + ‫ كما هو‬has , have ‫ ال عل بعد‬+ complement have ‫من عندنا‬ ❶ she has done the job carefully. (Passive Voice) - The job has been done carefully. ❷ Ahmed has written the story. …………………………………………………. 12 ❼ Past perfect: - ‫القاعدة‬ Sub + had + p.p + Obj + complement. ‫عند اجلواب‬ had + been Obj + ‫ من عندنا‬+ ‫ كما هو‬had ‫ ال عل بعد‬+ complement ❶ she had met Ali last week (Passive Voice) …………………………………………………. 13  ‫اخلالصة‬ Active ‫مبين للمعلوم‬ Passive ‫املبين للمجهول‬ Present Simple ‫زمن املضارع البسيط‬ Object + is/are + p.p + complement He , she , it S am ‫ فاعل‬+ ‫فعل‬ + ِ‫ به‬. ‫م‬+‫ل‬ I , you , we , they S ‫بدون‬ Someone gives john a dollar every john is given a dollar every day. day. Past Simple ‫املاضي البسيط‬ Object + was/were + p.p + ed complement ‫ فاعل‬+ ‫فعل‬ + ِ‫ به‬. ‫م‬+‫ل‬ ‫شاذ‬ Someone stole my wallet yesterday my wallet was stolen yesterday. Future: ‫ فاعل‬+ will + ‫ مصدر‬+ ِ‫ به‬. ‫م‬+‫ل‬ Object + will + be + p.p + complement Somebody will grade our Our homework will be graded over homework over the weekend. the weekend Present continuous : Object + is / are /am + being + p.p + ‫ فاعل‬+ Is / are / am + ‫ فعل‬ing+ ِ‫ به‬. ‫م‬+‫ ل‬complement Somebody is cleaning my room at My room is being cleaned at the the moment. moment. Past continuous Object + was / were + being + p.p + ‫ فاعل‬+ was / were + ‫ فعل‬ing + ِ‫ به‬. ‫م‬+‫ ل‬complement Somebody was opening the gates The gates were being opened when when we arrived we arrived. Present perfect Object + have / has + been + p.p + ‫ فاعل‬+ have / has + p.p + ِ‫ به‬. ‫م‬+‫ل‬ complement They haven't diagnosed her illness Her illness hasn't been diagnosed yet. yet. Past perfect Object + had + been + p.p + ‫ فاعل‬+ had + p.p + ِ‫ به‬. ‫م‬+‫ل‬ complement She had sent the letter to the The letter had been sent to the wrong address. wrong address. 14  :‫يمكن ان يأتي المبني للمجهول في الوزراي في احد الحاالت الثالثة‬ ① Do as required ‫اعمل حسب املطلوب بني القوسني‬ ① Somebody stole my wallet last week. (passive ) ② Somebody robbed the bank yesterday. ( passive) ③ Somebody will pay the bill tomorrow. ( passive ) ④ people use these coins in Egypt. G\ Rewrite the sentences in the passive form. ‫ اعد كتابة اجلمل يف صيغة املبين للمجهول‬/G ① Somebody left these books in the classroom. ② Somebody teaches History every day. ③ Somebody is cleaning the room right now. ④ Somebody will grade our homework over the weekend. ⑤ Somebody was opening the gates when we arrived. 15  ‫② ممكن ان يأتي بشكل كلمات يطلب مين اعادة ترتيبها‬ F\ Put the words in the correct order to make passive sentences. ‫ ضع الالمة يف الرتتيب الصحيح لتاوين مجل مبنية للمجهول‬/F ‫هنا ياون الرتتيب على شال‬ ‫ به‬. ‫ م‬+ ‫ كينونه‬has , have , will + 𝒑. 𝒑 ‫ فعل رئيسي‬+ complement ‫ اداة سؤال‬+ ‫ كينونه‬has , have , will + ‫به‬.‫ م‬+ 𝒑. 𝒑 + 𝒄𝒐𝒎 ? ① was delivered When mail the ? When was the mail delivered ? ② next being are week The replaced windows. The windows are being replaced next week. ③ be sold The end house will before the year the of. The house will be sold before the year end of the year. ④ by the down the previous owner were trees cut. The trees were cut down by the previous owner. ⑤ have stairs avoid been The accidents to repaired. The stairs have been repaired to avoid accidents. 16  )‫③ ميكن ان يأتي كتصحيح فعل بني االقواس (يصحح الفعل حسب الظرف‬ Were your cheques (be) sent to the wrong address? (correct the verb) been ‫تعتمد على االفعال وال روف‬ Q\ complete the sentences with the correct passive form of the verb in brackets. ‫ اكمل اجلمل املبنية للمجهول بالصيغة الصحيحة لل عل بني االقواس‬/‫س‬ ① The cheque ……………………….………… (sign ) last week. ‫ظرف ماضي‬ was signed ② A fee ………… ( charge ) if you don't have money in your account (First condition). Will be charged ③ This letter ……………….…… ( write ) by my father. was written ④ This magazine ……………… ( publish ) every month. is published ‫ظرف مضارع بسيط‬ ⑤ I used my father's car while my car …………..…….. ( repair). ‫( زمن املاضي املستمر‬while) ‫بعد‬ was being repaired ⑥ My bedroom ……………..….. ( paint ) , so I'm sleeping in the living room. ‫حدثني يف ن س الوقت‬ is being painted 17 ⑦ My ATM card ……….………. ( steal ) yesterday , so I have to get a new one. ‫ظرف ماضي‬ was stolen ⑧ Bank statements …………. (send ) at the end of each month. are sent ‫ظرف مضارع بسيط‬ D/ complete the sentences with the passive or active from of the verbs in brackets : ‫ أكمل اجلمل بصيغة املبين للمجهول او املعلوم بالنسبة للعقل بني االقواس‬/D ① The money in a bank account ……………(use) in many ways. )‫حقيقة (مضارع بسيط‬ Is used ② The machine …………… (repair) at the moment. ‫ظرف مضارع مستمر‬ is being repaired ③ The loan ….………. ( pay back ) with interest at the end of the year. ‫حقيقة ثابتة‬ is paid back ④ The decision ………….…… ( make ) tomorrow by the bank manager. ‫ظرف مستقبل‬ will be made ⑤ The business ……...…. ( start ) two years ago by two brothers. ‫ظرف ماضي‬ was started ⑥ Was the information..……… ( send ) to you by mail last week ? sent 18  ‫قطعة الكتاب للحفظ‬ What a banker's job is like Keywords: Convince ‫ اقناع‬، ‫يقنع‬ Responsibility ‫مسؤولية‬ ‫له القدرة على‬ Attract ‫جيذب‬ knowledgeable ‫املعرفة‬ Branch ‫فرع‬ satisfy ‫ مقنع‬، ‫مشبع‬ Advice ‫ينصح‬ expert ‫خبري‬ 19 ① How long has the writer been a banker ? ‫كم استغرق الااتب يعمل موظف مصريف؟‬  He has been a banker for twenty years. ‫ملدة عشرين سنة‬ ② He hates his job. ( True / false ).‫كان الااتب ياره وظي ته‬  False. ‫خطأ‬ ③ What makes the job of a banker interesting ? ‫ما الذي جيعل وظي ة املصريف ممتعة ؟‬  The variety. ‫التنوع‬ 20  Unit Six / Lesson Three Meet a banker 1- How long has he been a banker ? ‫منذ متى هو مصريف‬ For twenty years ‫لعشرين سنة‬ 2- What makes the job particularly interesting ? ‫ماذا جيعل العمل خصوما ممتع‬ He has to do many different things and use a number of different skills ‫ألنه جيب ان يقوم بأشياء خمتل ة ويستخدم مهارال خمتل ة‬ 3- How does he have to convince to use the bank ? ‫كيف يقنع املقابل ان يستخدم املصرف‬ By offering new services ‫بعرض خدمال ةديدة‬ 4- How can he attract students ? ‫كيف هو جيذب الطالب‬ By offering special student accounts ‫بعرض حسابال خاصة للطالب‬ 5- How does the banker also advise people ? ‫كيف املصريف ينصح الناس‬ He also advises people on the most suitable accounts for their needs ‫هو ينصح الناس باجسابال املناسبة الحتياةهم‬ 21 6- What is the main responsibility of a banker ? ‫ما هي املهمة الرئيسية للمصريف‬ Is to decide whether or not to give people or businesses loans ‫يقرر اذا كان الناس والتاةر يستحق قرض ام ال‬ 7- Why do many people need loans ? ‫ملاذا الناس حيتاةوا قروض‬ For a special project such as buying a car or a house ‫ملشاريع خاصة مثل شراء سيارة او منزل‬ 8- What is a difficult part of a banker job ? ‫ما هي اجلزء الصعب ملهنة املصريف‬ He cannot always approve a loan and he doesn’t like to disappoint his client ‫هو دائماً ال يوافق على قرض وكذلك ال حيب ان خييب امل الزبون‬ 9- What does a banker who work with a company that makes chemical product have to do ? ‫ماذا ي عل املصريف مع الذين يعملون يف شركة لصنع املواد الايميائية‬ He has to understand how the products are made and used ‫جيب ان ي هم كيف املنتوةال تصنع وكيف تستخدم‬ 10- Why does being a banker require many different skills ? ‫ملاذا املصريف حيتاج ا مهارال‬ He has to be good at math and able to read and understand graphs and charts quickly ‫هو جيب ان ياون ةيد يف الرياضيال ويقرأ وي هم الرسوم البيانية واجلداول بسرعة‬ 22 11- What is another important skill of a banker ? ‫ما هي املهارال االخرى املهمة للمصريف‬ Is being able to work with other experts who can give important information ‫هو ان ياون قادر ان يعمل مع اخلرباء الذي يعطون معلومال مهمة‬ ‫يتطلب‬ 12- What does a banker need to be ? Or require ? ‫ماذا املصريف حيتاج ان ياون‬ A banker needs to be a good communicator ‫حيتاج لياون متحدث ةيد‬ 13- What does client mean ? ‫ماذا يعين كلمة عميل‬ ‫شخص‬ ‫من مة‬ Client : person or organization who makes use of a professional 14- Banks that work with large companies can help them to improve and extend their businesses (T , F).‫املصارف اليت تعمل مع الشركال الاربى تساعد الشركال ليطوروا وحيسنوا عملهم‬ 15- What is the most important thing in banking ? ‫ما هو اهم شيء يف االعمال املصرفية‬ It is to convince People to use the bank ‫هو ان يقنع الناس ليستخدموا املصرف‬ 16- It is often up to the banker to ‫ يف اغلب األحيان عائد للمصريف‬decide ‫يف تقرير‬ whether the business ‫ فيما اذا العمل‬is a good idea or not ‫ فارة ةيدة أم ال‬. (T , F) 17- Banker must sometimes make suggestions ‫ اقرتاحال‬to improve ‫حي سلن‬ customer's plans ‫ خطط الزبائن‬. (T , F) 23 18- Bankers have to assess ‫ تقيم‬new business ideas ‫ أفاار عمل ةديدة‬. (T , F) 19- A difficult part of a banker's job is that he cannot agree to give a loan. 20- The banker cannot always agree to give ( = approve) a loan. (T , F) 21- One of the main responsibilities ‫ امل سلؤوليال الرئي سلية‬of a banker ‫للم صلريف‬ is ‫ ـــــــــــــــــــــــ‬. 22- What is the enjoyable thing ‫ ما ال شلليء املمتع‬for bankers ‫ للم صللرفيني‬who work ‫ الذين يعملون‬with the individuals ‫ مع االفراد‬and small business ‫والعمل‬ ‫? الصغري‬ They meet different people ‫ يلتقون مبختلف الناس‬, help them ‫ ان ت سللاعدهم‬and make a change ‫ وصنع تغيري‬in their lives ‫ يف حياتهم‬. 23- What is the enjoyable thing ‫ ما ال شلليء املمتع‬for bankers ‫ للم صللرفيني‬who work ‫ الذين يعملون‬with large companies ‫? مع الشركال الابرية‬ - Working with large companies can help them improve ‫ حي سل نلوا‬and extend ‫ ويوسعون‬their business. - Working with large companies can help them improve and extend their business. - Banks that work with large companies can help them improve and extend their business. 24- One of a banker's skills is to be good at maths. - One of a banker's skills is to be good at Maths. (T , F) 24 A\ Decide if these statement about the text on page 56 of the student's Book are true (T) or false (F) Underline the parts of the text that helped you find the answer. ‫( اذا كانت خاطئة واعطي السبب‬F) ‫( اذا كانت العملية صحيحة و‬T) ‫اكتب‬ ① My job has a daily routine. ‫عملي عبارة عن روتني يومي‬ ② We do not encourage students to open accounts. ‫حنن ال نشجع الطلبة على فتح حسابال‬ ③ I have to assess new business ideas. ‫جيب ان اقيم االفاار حول االعمار التجارية اجلديدة‬ ④ Sometimes I can't agree to give a loan. ‫احيانا ال ات ق على منح القرض‬ ⑤ Bankers only need to know about financial subjects. ‫موظ ي املصرف حيتاةون فقط معرفة باملواضيع املالية‬ ⑥ I do all my work alone. ‫ان اقوم بال اعمالي لوحدي‬ ① False: No two days are ever the same. ‫ال يوةد يومني ن س العمل‬ ② False: We can attract students by offering special accounts. ‫حنن جنذب الطلبة يعرض حسابال خاصة بالطلبة‬ ③ True: It is often up to me to decide whether the business is a good idea or not. ‫ان االمر مرتوك لي إلقرار فيما لو كان العمل فارة ةيدة ام ال‬ ④ True : Unfortunately , I cannot always approve a loan. ‫ ال استطيع دائما املصادقة على القرض‬، ‫سوء اجظ‬ 25 ⑤ False You have to be quite know ledge able about many different subjects. ‫جيب ان تاون لديك معرفة ال بأس بهما حو اكثر املواضيع املختل ة‬ ⑥ False: Another important skill is being able to work with experts. ‫هناك مهاره اخرى مهمة بالنسبة لي هي ان اكون قادرا على العمل مع اخلرباء‬ D/ Complete the sentences with the passive or active from of the verbs in brackets : ‫ اكمل اجلمل بصيغة املبين للمجهول او املعلوم بالنسبة لل عل بني االقواس‬/D ① The money in a bank account ………… (use) in many ways. ② The machine ……….. ( repair ) at the moment. ‫ظرف مضارع مستمر‬ ③ The loan………… (pay back) with interest at the end of the year. ‫حقيقة مضارع بسيط‬ ④ The decision ……… ( make ) tomorrow by the bank manager. ‫ظرف مستقبل‬ ⑤ Fatima ……….. ( get ) a loan last week to buy her flat. ‫ظرف ماضي‬ ⑥ The business …………. (start) two years ago by two brothers. ‫ظرف ماضي‬ ⑦ Bankers usually …………. (like) helping their customers. ‫ظرف مضارع بسيط‬ ⑧ Was the information ………… ( send) to you by mail last week?.‫( ا التصريف الثالث‬Send) ‫( فقط حنول ال عل‬was) ‫موةودة‬ 26  ‫ح ظ التعريف امالء‬ ‫‪Keywords:‬‬ ‫‪cancel‬‬ ‫‪ stop something working‬يلغي‬ ‫يلغي ‪ /‬يوقف شيء ما العمل‬ ‫‪credit limit‬‬ ‫‪ the amount of money‬املبلغ احملدد‬ ‫مبلغ من املال ميانك االقرتاض‬ ‫‪you can borrow‬‬ ‫‪expired‬‬ ‫‪ Come to an end‬منتهي امل عول‬ ‫انتهى صالحيته‬ ‫‪valid‬‬ ‫‪ Can be used‬ساري امل عول‬ ‫ممان استخدامه‬ ‫مراةعة ‪ if conditions‬عزيزي الطالب عليك مراةعة القواعد ألنواع ‪ if‬الشرطية يف‬ ‫الوحدة الثالثة‬ ‫جمل مهمة في االسقاطات‬ ‫أةهزة الصرف االلي ‪ / ATMs‬مثقف ‪ / knowledgeable‬الصراف االلي ‪ / ATM‬يلغي ‪cancel‬‬ ‫‪ now , no one else‬بطاقاتك ‪① If we ……………………… your cards‬‬ ‫‪.‬سياون قادر على استخدامها ‪ will be able to use them‬ال احد‬ ‫………………… ‪ of the‬مل خترج ‪② My bank card didn't come out‬‬ ‫‪ if the‬البطاقال ‪ cards‬ال تستلم ‪③ …………………… do not keep‬‬ ‫‪.‬فارغ ‪account is empty‬‬ ‫‪ be quite …………………….. about many‬يتوةب ‪④ A banker has to‬‬ ‫‪.‬مواضيع عديدة ‪subjects‬‬ ‫‪27‬‬ The big day ‫اليوم الابري‬ ‫م ردال الدرس‬ Currency ‫ العملة النقدية او الن ام النقدي‬Exchange rate ‫عمله‬ tip ‫ بقشيش‬traveler's cheque ‫صاوك مسافر‬ signed ‫ وقع العقد‬underground ‫املرتو‬ Dear Mazen, Guess what ‫ ? مخن ماذا‬Tomorrow is the big day ‫ !اليوم الابري‬My plan ‫طائرتي‬ leaves ‫ سلتغادر‬for London at 3.00, and soon ‫ قريبا‬I'll be able to ‫سلاكون قادر على‬ see all the sights ‫ كل املناظر‬we read about in the guidebook ‫ يف الدليل‬. I've already packed ‫حزمت‬my suitcases ‫امتعيت‬. I bought ‫ اشرتيت‬some new clothes and a couple more guidebooks ‫ دليلني ا ضلافيني‬. I tried not to ‫ حاولت ان ال‬pack ‫ احزم‬too much but it's pretty heavy ‫ ثقيللة ةلدا‬. Once ‫ اول‬I get to ‫و صللولي‬ England , I'll have to ‫ سليتوةب علي‬take ‫ اركب‬a taxi. There's no way ‫ال توةد‬ ‫ طريقة‬I can carry it ‫ ان امحلها‬all on the Underground ‫ ! يف مرتو االن اق‬I wonder ‫ اتسائل‬how much you tip ‫ تعطي بقشيشا‬taxi drivers in England ? Last Monday I went to the bank ‫ للم صلرف‬and got some traveller's cheques ‫صلاوك م سلافرين‬ for my trip ‫ لرحليت‬. They're great ‫ رائعة‬because they're safer ‫النها اكثر امان‬ than cash ‫ من النقد‬. I signed ‫ وقعت‬the cheques in one place at the bank , and when I want to buy something in London , I have to sign the cheque ‫ أوقع ال صلك‬again in front of the cashier ‫ امام احملا سلب‬. That way , nobody else can use them ‫ الميان الحد ا سلتخدامهم‬. My banker told me ‫ اخربني‬I should also 28 get ‫ املك‬some local currency ‫ عملة حملية‬, because not all places take ‫ليست كل‬ ‫ االماكن‬traveler's cheques. I'll take my credit card ‫ بطاقة ائتماني‬too. That's accepted ‫ مقبولة‬internationally ‫ دوليا‬, but I can't really use it to tip ‫الميانين‬ ‫ ا سلتخدامها العطي بق شليش‬the taxi driver or travel round by bus ‫ اجتول باجافلة‬or Underground ‫ ! يف مرتو االن اق‬So I will definitely ‫ قطعا‬need some cash ‫النقد‬ in my pocket. As you probably know ‫ حمتمل ان تعرف‬, many countries in Europe ‫ اوربا‬use the Euro ‫ يورو‬, but in the UK ‫ اململاة املتحدة‬people use pounds. Do you know the exchange rate ‫ سللعر ال صللرف‬between Iraqi dinars and pounds ? 1,000 Iraqi dinars is almost 0.57 pound. My father told me everything in London is expensive ‫ غالي‬, so I'll have to be careful ‫سليتوةب‬ ‫ علي اجذر‬what I spend ‫ فيما ات ق‬. I'll bring you back a souvenir ‫ تذكار‬. Let me know ‫ دعين اعرف‬if there's anything particular ‫ أي شليء خاص‬you'd like me to get you ‫ تود مين اح صللل لك‬. And keep in touch ‫ ابقى على توا صللل‬. There's an Internet café next to ‫ جبوار‬my hotel , so I can check ‫ احتقق من‬my e – mail whenever I want ‫ حينما اريد‬. 29  Keywords: traveler's cheque ‫ صك املسافر‬currency ‫عمله‬ Exchange rate ‫ صك الصرف‬/ ‫ سعر الصرف‬tip ‫ يعطي خبشيش‬، ‫خبشيش‬ Travelers cheque : a special cheque that can be used in any bank. ‫صك خاص من املمان ان يستخدم يف اي مصرف‬ Currency : system of money. ‫ن ام االموال‬ Pounds : the currency used in the UK. ‫العملة املستخدمة يف اململاة املتحدة‬ Exchange rate : the amount of money you get when changing from one currency to another. ‫مبلغ من املال حتصل عليه عند التحويل من عملة ا أخرى‬ 30  ‫جمل مهمة في االسقاطات‬ Pounds / exchange rate / currency / tip / traveler's ① I wonder ‫ اتسائل‬how much ‫ كم‬you tip taxi drivers ‫ لسواق‬in England ? ② I went to the bank and got some traveler's cheques for my trip ‫لرحليت‬. ③ I should get some local ‫ حملية‬currency because not all the places ‫ ليست كل االماكن‬take traveller's cheques ‫بصاوك املسافر‬. ④ Many countries ‫ بلدان عديدة‬in Europe use the Euro , but in the UK people use pounds. ⑤ Do you know ‫ هل تعرف‬the exchange rate between Iraqi dinars and pounds ? B \ Match the clauses to make conditional sentences. ‫ زاوج بني العبارال واجلمل الشرطية‬/‫س‬ ‫اجقائب‬ ‫ثقيلة‬ ① If the cases are too heavy a) a I'd come with you. ‫االزدحام‬ ② If the traffic isn't too heavy b) you have to pay extra ‫تدفع مبلغ اضايف‬ ③ If had the time and the money c) I would have lent you my guidebook ‫الدليل‬ ④ If you spend a lot of money on me d) I'll be at the airport at 12.30. ⑤ If you'd told me you were going to e) I’ll be very cross. ‫سوف أكون ممنت‬ London 31 E\ Complete the sentences with the correct form of the verb in brackets..‫ اكمل اجلمل بالصيغة الصحيحة لل عل بني االقواس‬/E ① If my plane …………….. ( not leave ) on time , I'll miss my connection this afternoon ② If you …….. ( not renew ) tour passport last month , you wouldn't have been allowed to travel. ③ If I……… ( not bring ) some books, I usually get very bored at the plane. ④ If I have any currency left over the trip , I…… (keep)it for the next visit. ⑤ If they didn't have duty free shops at the airport , people ………….…. ( not be ) very happy. Keywords: Down ‫دفع مقدما‬ ‫مصرف عرب االنرتنيت‬ bank online payment Pay back ‫يسدد‬ insurance ‫تأمني‬ Investment ‫استثمار‬ owner ‫مالك‬ Value ‫قيمة‬ installments ‫اقساط‬ 32 B\ Read the conversation again on page 59 of the student's Book. Look at the words in bold. Write the meaning. 1) down payment …………………. 2) Monthly installments ……………………… 3) Investment …………………………………….. 4) Go up in value ………………………….. 5) Car insurance …………………………………….. 1) part of the total cost that is paid first. 2) part of the total cost that is paid every month. 3) Something you buy that makes money. 4) The amount you can sell something for increases. 5) Money you pay to a company so you can get money if your car is lost or damaged..‫ اكتب معاني املصطلحال التالية‬/B. ‫① مقدمة (من مبلغ) = ةزء من مبلغ الالي ياون دفعة او‬.‫② اقساط شهرية = ةزء من الال ة الالية تدفع كل شهر‬.‫③ استثمار = شيء تشرتيه يولد لك املال‬ ‫④ تزداد قيمته = ازدياد مبلغ النقود عندما تبيع شيء‬ ‫⑤ تأمني على سيارة = مبلغ من املال تدفعه لشركة حتصل منها اذا سيارتك فقدل او تضررل‬ 33 D/ Read the letter and complete it with words and phrases from the box. insurance ‫ تأمني‬/ salary ‫ راتب‬/ loan ‫ قرض‬/ banker ‫ مصريف‬/ down payment ‫دفعة اولية‬ / owner ‫ مالك‬/ instalments ‫ اقساط‬. Dear Mum and Dad, How are you? I'm doing fine at my new job in Baghdad. Thyer's a lot of work ‫عمل‬, but the people I work with are very friendly ‫ودودين‬. And I get ‫احصل‬ ‫ على‬a good ① salary. I love the weather ‫ الطقس‬here, too! There isn't nearly ‫ تقريبا‬as much rain as ‫ ن س قدر املطر ك ـل‬there is in England. I've finally bought a car ‫ا شلرتيت سليارة اخريا‬, because I really needed one to get to work ‫أل صلل للعمل‬. It wasn't too hard to ‫ من ال صللعب ةدا ان‬get a car ② loan. My ③ banker is very nice and really wants to help his clients ‫زبائنه‬. He gave me some excellent advice ‫ن صلائح ممتازة‬. I bought a used ‫م سلتعملة‬car, but it's in very good condition ‫حالة ةيدة ةدا‬. The previous ‫④ ال سلائق‬owner took really good care of it ‫اعتنى بها‬. I only had to ‫ توةب علي‬make a small ⑤ down payment, and my monthly ⑥instalments aren't too high because I can pay back the loan over six years. The loan included ‫ ت ضلمن‬money for ⑦insurance too, so I don't have to worry ‫ ال جيب ان اقلق‬if I have an accident (but don't worry, I won't – you know I'm a careful driver). Come and visit me here soon. I'd love to show you all the interesting places ‫ األماكن اجلميلة‬I've discovered ‫وةدتها‬. insurance ‫ تأمي‬/ salary ‫ راتب‬/ loan ‫ قرض‬/ banker ‫ مرصف‬/ down payment ‫ دفعة اولية‬/ owner ‫ مالك‬/ instalments ‫ اقساط‬. ① I get ‫ احصل على‬a good salary in my new job. ② It wasn't too hard to ‫ مل يان من الصعب ةداً ان‬get a car loan. ③My banker is very nice and really wants to help his clients ‫زبائنه‬ ④ The previous ‫ السايق‬owner of the car took really good care of it.ً‫اعتنى بها ةيدا‬ ⑤ I bought a used car and I had to ‫ توةب علي‬make a small down payment. ⑥ My monthly instalments aren't too high and I can pay back the loan over six years. ⑦ The car loan included ‫ تضمن‬money for insurance too. 34  A car loan ‫قرض سيارة‬ Read and listen to the conversation. Ahlam: Wow! Is that your car? Nour: Yes! Nice, isn't it? I bought it yesterday. Do you want to go for a drive? We could go to the beach. Ahlam: Sure, that's a great idea. I'd love a car like this one. How did you pay for it? Nour: I got a car loan. Ahlam: That's a good idea. Maybe I should do that. If I got a car loan, would I have to make a big down payment? Nour: No. I didn't pay any money in advance at all. I just have to pay a certain amount every month. Ahlam: That's even better! But the monthly instalments must be pretty high. What are they? Nour: About 2 million Iraqi dinars. It wasn't that expensive, because it isn't a new car. Ahlam: It looks new! Nour. The owner took really good care of it. It's actually three years old. Ahlam: How long do you have to pay it back? Nour. Five years. Ahlam: That's a long time. Won't it cost you a lot in interest? Nour: Yeah. But it's worth it. This sort of car is a real investment. It won't lose money. In fact, it may even go up in value. Ahlam: Well, I suppose it's more enjoyable than putting your money in the bank and waiting for it to earn interest! Maybe I should make an investment like this. Nour: Here we are. The beach. Do you think I can fit into that parking space? Ahlam: Sure. Uh, no, maybe not. (Sound of crash) Oh, no. I think one of your lights is broken. Nour: Luckily, the loan also includes free car insurance! Now do Exercises A to D in the Activity Book 35  ‫م ردال الدرس‬ bank online ‫ االعمال الصرفية على النت‬investment ‫استثمار‬ insurance ‫ تأمني‬instalments ‫األقساط‬ in advance ‫ مقدما‬down payment ‫مقدمة مالية‬ value ‫ القيمة‬pay back )‫يرةع (القرض‬ A/ Read the conversation on page (35) and answer the questions. ① How did Nour pay for his car ‫?بأي طريقة دفع أةور السيارة‬ ✓ With a car loan. ‫قرض‬ ② Did Nour make a down payment? ‫هل قام بدفع مقدمة‬ ✓ No, he didn't. ③ How much does Nour have to pay every month? ‫كم يتوةب عليه ان يدفع شهريا‬ ✓ 2 million Iraqi dinars. ④ How long for? ‫ما طول املدة‬ ✓ Five years. ⑤ Why wasn't the car very expensive? ‫ملاذا مل تان السيارة غالية ةدا‬ ✓ Because it's not a new car. ‫مل تان ةديدة‬ 36 C- Read the first sentence in each item. Then complete the gaps to make conditional sentences with the same meaning: ‫✓ اعزايئ الطلبة عليمك ان تالحظوا ان يف هذا المترين توجد مجلتني غري مربوطتني ابداة‬ ‫ فيعطينا جزء نعمتد‬.‫) الرشطية‬if( ‫) فتكوانن يف حاةل من حاالت‬if( ‫ مث يربطهام ابالداة‬. ‫رشطية‬.‫عليه يف حل اجلزء الاخر‬ ‫ (علدا‬.‫✓ اذا اكن الفعلل مببلجي لن ان ىنفا ااذا اكن م فب لن ان معب مببلجي‬ )3 ‫رمق‬ ① Nour got a new car loan‫ قرض‬, so he could buy ‫ ان يشرتي‬a car. ►If Nour…………………….. a loan , he wouldn’t have been able to buy a car. ② The car isn’t new, so Nour doesn’t have to pay ‫ ال يتوةب‬big instalments ‫اقساط‬. ► If the car was new, Nour ……………………..……….big instalments. ③ Nour must pay ‫ جيب ان يدفع‬monthly instalments ‫ أقساط شهرية‬for five years. ► If Nour ……………………..……….instalments, he will finish paying in five years. ④ The owner ‫ املالك‬took very good care of the car. That's why ‫ لذلك‬Nour bought it. ► If the owner hadn’t taken good care of the car, Nour wouldn’t have it. ⑤ Nour didn’t park ‫ مل يركن‬his car carefully, so he broke the light. ‫كسر مصباح سيارته‬ ► If Nour ……………………..……….carefully, he wouldn’t have broken the light. ⑥ Nour has car insurance, so he doesn’t have to pay for the broken light. ► If Nour didn’t have car insurance, he ……………………..……….the broken light. 37 ‫فامي خيص املصطلحات اليت تس تخدم يف الرسائل الرمسية اا الغري رمسية‬ : ‫ كام موحض يف اخملطط التايل‬، FORMAL LETTERS ‫الرسائل الرمسية‬ INFORMAL LETTERS‫الرسائل غري الرمسية‬ ❶ Addressing the letter ‫ عنوان الرسالة‬: ❶ Addressing the letter ‫ عنوان الرسالة‬: ✓ Dear Mr Smith , / Dear Sir ✓ Dear Rashid , ❷ Starting the letter ‫ بداية الرسالة‬: ❷ Starting the letter ‫ بداية الرسالة‬: ✓ This letter ‫ هذه الرسالة‬is to inform you ✓ Thanks for your letter ‫ لرسالتك‬of … ‫… حتى اخربك‬ ✓ Thank you for your letter of … ✓ I am writing to … ‫انا اكتب‬ A \ Which expressions can we use in formal letters ‫ ? رمسي‬which can we use in informal letters ? ‫ رمسي غري‬Write F , I or F / I in the boxes. Addressing the letter: ✓ Dear Mr Smith , ‫ـــــــــــــــــــ‬ Dear Rashid , ‫ـــــــــــــــــــ‬ ✓ Dear Sir , ‫ـــــــــــــــــــ‬ Starting the letter: ✓ This letter is to inform you …. ‫ـــــــــــــــــــ‬ ✓ Thank you for your letter of …. ‫ـــــــــــــــــــ‬ ✓ Thank for your letter. ‫ـــــــــــــــــــ‬ ✓ I am writing to …. ‫ـــــــــــــــــــ‬ 38 Making a request: ✓ Would you ….? ‫ـــــــــــــــــــ‬ Could you …. ? ‫ـــــــــــــــــــ‬ ✓ Can you ….? ‫ـــــــــــــــــــ‬ Saying you are sorry: ✓ I'm sorry I ….. ‫ـــــــــــــــــــ‬ I apologize for ……… ‫ـــــــــــــــــــ‬ To say you are sending something with the letter: ✓ Please find enclosed ….. ‫ـــــــــــــــــــ‬ Here's …. ‫ـــــــــــــــــــ‬ ✓ I enclose …. ‫ـــــــــــــــــــ‬ Closing the letter: ✓ Yours sincerely , ‫ـــــــــــــــــــ‬ * Yours faithfully, ‫ـــــــــــــــــــ‬ ✓ Best wishes, ‫ـــــــــــــــــــ‬ * See you soon. ‫ـــــــــــــــــــ‬ ❸ Making a request ‫تقديم طلب‬: ❸ Making a request ‫تقديم طلب‬: ✓ Would you … ? ✓ Would you … ? ✓ Could you … ? ✓ Could you … ? / Can you … ? ❹ Saying you are sorry ‫ تأسف‬: ❹ Saying you are sorry ‫ تأسف‬: ✓ I apologize for (ing) ….. ‫اعتذر لـ‬ ✓ I'm sorry I ….. ‫اسف لـ‬ ❺ To say ‫ ان تقول‬you are ‫ انك‬sending ‫ترسل‬ ❺ To say ‫ ان تقول‬you are ‫ انك‬sending ‫ترسل‬ something ‫ شيء ما‬with the letter ‫ مع الرسالة‬: something ‫ شيء ما‬with the letter ‫ مع الرسالة‬: ✓ Please ‫ الرةاء‬find ‫ اجياد‬enclosed ‫املرفق‬ ✓ Here's ‫… ارفق لك‬. ✓ I enclose ‫… ارفق لـ‬. ❻ Closing the letter ‫ نهاية الرسالة‬: ❻ Closing the letter ‫ نهاية الرسالة‬: ✓ Yours sincerely , ‫الويف لام‬ ✓ Best Wishes , ‫اطيب التمنيال‬ ✓ Yours faithfully , ‫املخلص لام‬ ✓ See you soon , ‫اراك الحقا‬ 39  ‫صيغ اختيارية‬ ❶ To address ‫لتقول‬ the formal letter , use (Dear Mr Smith.. / Dear Smith ….). ❷ To start a formal letter , use (Thank you … / Thanks for you letter …) ❸ Use '' Can you '' To make ‫ لتقول‬a request with ‫ باستخدام‬the (formal / informal) letter. ❹ To close ‫ لتنهي‬the formal letter (Yours sincerely … / see you soon ….) ❺ To say ‫ لتقول‬you are sending ‫ ان ترسل‬something ‫ شيء ما‬with ‫باستخدام‬ the formal letter (Here's …. / I enclose ….). ‫وزاري‬ ❻ To say you are sorry ‫ انك متأسف‬with ‫ باستخدام‬the informal letter ‫الرسالة الغري رمسية‬ ( I apologize for …. / I'm sorry I ….) ❼ To say you are sending ‫ انك ترسل‬something ‫ شيء ما‬with ‫ باستخدام‬the formal letter ( I apologize for …. / I enclose ….). ‫وزاري‬ 40 A \ Match the beginnings and the endings of the sentences. ‫ زواج بني بدايال ونهايال اجلمل‬/A ‫تدعين‬ ‫استلمه‬ ‫خالل‬ ① Could you please let me a) I would receive it within a ‫اعرف‬ know week. ‫اسبوع‬ ② I was told that ‫أنا اخربل‬ ‫اسحب‬ ‫املال‬ b) I could withdraw money on my way to work. ③ I am writing to inquire ‫اسأل‬ ‫متى‬ ‫سوف‬ ‫استلم‬ c) when I will receive my card? ④ If I had an ATM card ‫حسابي‬ ‫ادخر‬ ‫الوقت‬ ‫احتقق‬ d) I would save a lot of time ⑤ If I could check my account e) about my ATM card. balance by telephone, ‫استلم‬ ① Could you please let me know when I will receive my card ? ② I was told that I would receive it within a week. ③ I am writing to inquire about my ATM card. ④ if I had my ATM card I could withdrow money on my way to work. ⑤ If I could check my account balance by telephone, I would save a lot of times. 41  Test yourself ‫اخترب نفسك‬ A\ Underline the correct alternative..‫ ضع خط حتت االختيار الصحيح‬/A ‫حساب‬ ① My father (opened / made ) an account for me when I was quite young. ② I (deposited / installed ) 5 million Iraqi dinars this morning. ‫اةر‬ ‫سحبت أكثر‬ ③ Banks usually ( pay / charge ) a fee if you are overdrawn. ‫قليل‬ ‫رصيد‬ ④ If you ( stay / maintain) a minimum balance, you don’t have to pay a fee ‫سحب االموال‬ ⑤ If I can (take / make ) a withdrawal at any ATM at any time.. ‫اكرب‬ ‫فائدة‬ ⑥ Some accounts ( cost / pay ) more interest than others. ① opened ② deposited ③ charge ④ maintain ⑤ make ⑥ pay 42 B/ Complete the sentences with the correct words form the box. ‫ أكمل اجلمل بالاملة الصحيحة من داخل املستطيل‬/B ‫منتهي الصالحية‬ ‫نافذ الصالحية‬ ‫فرع‬ ‫مقدمة‬ ( withdrawal _ expired _ back _ valid _ branch _ down payment ‫استمارة‬ ‫اقساط‬ ‫عن طريق النت‬ _ statement _ installments _ online ) ‫خائف‬ ‫البطاقة‬ ‫ليس‬ ① I'm afraid your card is no longer ……………. It ……………. a week ago ② This bank ……………. Shows I have a lot of money in my account ‫حسابي‬ ‫خطأ‬ ‫مل‬ ‫اقم‬ ③ There must be a mistake. I didn't make this …………… last week ‫جيب‬ ‫تدفع‬ ④ How many ……………. Do you have to make to pay ? ‫اقرضين‬ ⑤ My father lent me the money to pay a ………………. on a new car ‫انرتنيت‬ ‫اتصال‬ ⑥ If you have internet access you can bank …………..……. ⑦ There is a ………………. of our bank near the university. ① valid ; expired ② statement ③ withdrawal ④ installments; ⑤ down payment ⑥ online ⑦ branch 43 C / Complete the sentences.. ) ‫ اكمل اجلمل ( اجلواب للح ظ امالء‬/C ① A……………. account comes with a cheque book. ‫دفرت صاوك‬ ② You can ………….…. Money from ATM machine. ‫الة الدفع االلي‬ ③ The minimum ……………. Is 1.000 Iraqi dinars. ④ The ……………. of an investment can go down as well as up. ‫قيمة االستثمار ترت ع وتزداد‬ ⑤ If you don't have enough money to buy something you can ask the bank for a ……………. ‫ان مل يان لديك أموال كافية لشراء شيء ما اسأل املصرف‬ ① current ‫اجلاري‬ ② withdraw ‫تسحب االموال‬ ③ balance ‫الرصيد‬ ④ value ‫قيمة‬ ⑤ Loan ‫قرض‬ D \ Underline the correct form in each conditional sentence..‫ ضع خط حتت الصيغة الصحيحة يف كل مجلة شرطية حيدد النوع من اجلمل احمللولة‬/D ① If I open a student account, I would have to / will have to maintain a minimum balance. ② If I had known it was raining when I left, I would have / would had brought an umbrella. ③ If I have seen / had seen him yesterday , I would have told him your news. ④ If we hadn't gone / didn't go swimming , we would have had time to go for a boat ride. ⑤ If I had / have a computer , we could search the internet. ⑥ If I played / have played tennis, I would join the tennis club. 44 E\ Complete these conditional sentences. ‫ أكمل هذه اجلمل الشرطية‬/E ① If you go out in this rain, ……………………………………… ② If my father knew that I drive so fast, ………………………… ③ If you cook an egg for half an hour, …..……………………… ④ If he'd asked me to help him, ………………………….……… ⑤ If he really wanted to go to university, …..…………………… ⑥ If the car hadn't broken down,………………………………… ① You'll get wet. ② he'd be furious. ‫غاضب‬ ③ it goes very hard. ④ I'd have said yes. ⑤ he'd work harder. ⑥ we wouldn't have been late. F\ put the words in the correct order to make passive sentences. ‫ ضع الالمة يف الرتتيب الصحيح لتاوين مجل مبنية للمجهول‬/F ① was delivered When mail the ? …………………………………………………………………… ② next being are week the replaced windows. …………………………………………………………………… ③ be sold the end house will before the year the of. …………………………………………………………………… ④ by the down the previous owner were trees cut. …………………………………………………………………… ⑤ have stairs avoid been the accidents to repaired. …………………………………………………………………… 45 ① When was the mail delivered ? ② The windows are being replaced next week. ③ The house will be sold before the end of the year. ④ The trees were cut down by the previous owner. ⑤ The stairs have been repaired to avoid accident. G \ Rewrite the sentences in the passive form. ‫ اعد كتابة اجلمل يف صيغة املبين للمجهول‬/G ① Somebody left these books in the classroom. …………………………………………………………………… ② Somebody teaches History every day. …………………………………………………………………… ③ Somebody is cleaning the room right now. …………………………………………………………………… ④ Somebody will grade our homework over the weekend. …………………………………………………………………… ⑤ Somebody was opening the gates when we arrived. …………………………………………………………………… 46 H\ Complete the sentences with the passive form of the correct verb. Each verb is used only once. ‫ وان كل فعل يستخدم مرة واحدة‬.‫ أكمل اجلمل بصيغة املبين للمجهول والصيغة الصحيحة لل عل‬/H ‫فقط‬ ‫خيرب‬ ‫يبين‬ ‫يستخدم‬ ‫يشرتي‬ ‫يتضمن‬ ‫يعرض‬ Inform – build – use – buy – include – display ‫مضارع بسيط‬ ① Fareed ………….. always …………….(in form) Of changes in his account balance by SMS. ‫ظرف ماضي‬ ‫شاشة‬ ② Yesterday a message …………….(display) On his screen that said he was overdrawn. ‫مضارع بسيط‬ ③ Mobile phones ……………… (buy) by millions of people these days.………… cameras …………(include) in all mobile phones? ④ Mobile phones …………(use) for many other things in the future. ‫مستقبل‬ ‫أبراج‬ ⑤ Mobile phone towers ………………… All the time ‫مضارع مستمر‬ 47 I \ Complete the conversation with active or passive forms of the verbs in the box. ‫للفهم فقط‬ ‫ أكمل احملادثة بصيغ املبين للمعلوم واملبين للمجهول بالنسبة لألفعال املوةودة داخل املستطيل‬/I Open – have – install – mail – want – keep – send Mother : So Noor , ……………….. you …………….. your bank account? Noor: Yes, I opened it yesterday. Mother : ………….. you ………. An ATM card ? Noor : Not yet. It. …………………….to me this week. Mother : How about a cheque book ? Noor : I should get one in about ten days. It………….. for me at the bank until I can pick it up. Mother : Can you bank online ? Noor : If I ……………….. to. But I'm worried about hackers. I'd rather read my bank statement when it ………………… at the end of the month. Mother : You needn't worry. I …………. A very good firewall when I bought the computer. Mother : So Noor , have you opened your bank account ? Noor : Yes, I opened it yesterday. Mother : Do you have an ATM card ? Noor : Not yet. it is being mailed / sent to me this week. Mother : How about a cheque book ? Noor : I should get one in about ten days. It will be kept for me at the bank until I can pick it up. Mother : Can you bank online ? Noor : If I want to. But I'm worried about hackers. I'd rather read my bank statement when it is sent / mailed at the end of the month. Mother: You needn't worry. I installed a very good firewall when I bought the computer. 48 49 50  Making Money Unit Six / Lesson 10 * Making Money * 1- What is it instilled in us from the early age ? ‫ما هو الشيء املغروس منذ الط ولة‬ Saving for future ‫االدخار للمستقبل‬ 2- What are we taught when we are children ? ‫ماذا تعلمنا منذ كنا اط ال‬ We are taught the value of saving ‫تعلمنا قيمة االدخار‬ 3- As children what do we learn about saving ? ‫ماذا تعلمنا من االدخار كأط ال‬ We learn not to spend all our money at once , but to put some aside to buy something bigger ‫تعلمنا اال نصرف اموالنا بل نضع البعض ةانباً لنشرتي شيء ما‬ 4- When we start work , what are we encouraged to do ? ‫عندما بدأنا العمل ماذا تشجعنا ان ن عل‬ To put money into pension plans to save for our retirement ‫لنضع االموال يف صندوق التقاعد‬ 51 5- Why should people save money for the future ? ‫ملاذا الناس يدخروا للمستقبل‬ They can continue to enjoy a good standard of living when they are older ‫ليستمتعوا باجياة عندما ياربوا‬ 6- What are the ways that we invest our money (make it works for us) ? ‫ما هي الطرق نستثمر بها اموالنا وةعلها تعمل لنا‬ We can put money into saving account , pension plans , stock and shares or property ‫ خطط التقاعد االسهم او شراء العقارال‬, ‫يف اج اظ على اموالنا يف حسابال االدخار‬ 7- Whom do saving accounts benefit ? ‫من ت يد حسابال االدخار‬ Saving accounts benefit people who do not need to access money ‫هي ت يد الناس الذي ال حيتاةون ان يستخدموا امواهلم‬ ‫فائدة‬ 8- How can people get more interest (benefit of their money) ? ‫كيف الناس حيصلوا على فائدة اكرب من امواهلم‬ If they keep their money in account for a long time ‫اذا تركوا امواهلم يف اجساب لوقت طويل‬ 9- What investing in stocks and shares ? ‫ما هو االستثمار باألسهم‬ It is fun for some people and a way of making a lot of money ‫هم متعة لبعض الناس وطريقة لاسب كثري من االموال‬ 10- Who are financially – minded ? ‫من هم امل ارون او اخلرباء االقتصاديني‬ People who follow the markets invest in stocks and shares ‫هم الذين يتبعوا استثمار االسواق يف األسهم‬ 11- What is the most popular investment in the UK at the money ? 52  ‫ما هي اكثر االستثمارال الشائعة يف اململاة املتحدة‬ Is investing in property ‫االستثمار يف العقارال‬ 12- Why is investing in stocks and shares a risky business ? ‫ملاذا االستثمار يف األسهم هي جتارة خطرة ؟‬ Because they can certainly lose a lot of money as well as gain it ‫ألنه بالتأكيد ممان اخلسارة كما هو اجال الربح‬ 13- How can People invest their money ? ‫كيف الناس يستطيعوا ان يستثمروا امواهلم‬ By saving accounts , Pension Plans and stocks and shares ‫ صندوق التقاعد واالسهم والسندال املالية‬, ‫من خالل حسابال التوفري‬ 14- we can get more interest ‫ ممان ان حنصل على فائدة اكرب‬: a- if we keep our money ‫ اذا ابقينا‬in our account ‫ يف حسابنا‬for a long time ‫ ل رتة طويلة‬. b- if we change accounts often ‫ اذا نغري اجسابال غالبا‬. c- if we put in a fixed amount ‫ اذا وفرنا يف حساب ثابت‬. 14- were can we get more interest ‫وزاري ? اين ميان اجصول على اكثر فائدة‬ 14- When do people get a lot of interest of their saving accounts? ‫متى حيصل الناس الاثري من ال ائدة من حساباتهم التوفريية‬ ✓ When they leave ‫ يرتكون‬their money ‫ امواهلم‬in the saving accounts ‫ حسابال توفري‬for a long time. ‫لوقت طويل‬ 53 15- We can get more interest if we keep our money in our account for a long time (T/F) ‫وزاري‬. 16- The major players ‫ الالعبني االساسيني‬in investing in in stocks and shares are the specialist. (Complete) ‫وزاري‬ 17- Investing ‫ استثمار‬money in property ‫ يف العقار‬is safe ‫ امن‬in the long term ‫ على املدى البعيد‬. (T/F) 18- Why is investing in property popular ‫ شائع‬in UK ? ✓ Because they rent the property ‫ النهم يؤةرون العقار‬, the rent pays ‫االجيار‬ ‫ يدفع‬the instalments ‫ االق سلاط‬on the loan ‫ للقرض‬and when they sell up ‫ عندما يبيعون‬the property ‫ العقار‬they realize the profit. ‫ يدركون ال ائدة‬. 54 B\ Circle the correct answer according to the text. )‫ ضع دائرة حول اجلواب الصحيح وفقا للنص (للح ظ االختيار الصحيح‬/B ① When we are children.‫عندما كنا اطفالنا‬ a) We start to save for when we are older.‫بدءنا ندخر لعمر الشيخوخة‬ b) We are taught the value of saving. ‫علمونا قيمة االدخار‬ c) We often buy more interest : ‫غالبا ما نشرتي االشياء الابرية‬ ② We can get more interest : ‫يمكن ان نحصل على فائدة اكثر‬ a) If we keep our money in our account for a long time. ‫عندما حن ظ نقودنا يف حسابنا ل رتة اطول‬ b) If we change accounts often. ‫عندما نغري حسابنا على االغلب‬ c) If we put in a fixed amount. ‫إذا وضعنا امولنا على شال مبلغ ثابت‬ ③ Investing in stocks and shares : ‫االستثمار في االسهم واالوراق المالية‬ a) Is a good way for anyone to make money.‫طريقة ةيدة ألي شخص لتاوين النقود‬ b) Will always make a profit. ‫دائما حيقق الربح‬ c) Is fun for some people. ‫قضاء وقت (تسلية) بالنسبة لبعض الناس‬ ④ if you buy property : ‫اذا اشتريت عقارا‬ a) You can make a lot of profit from rent. ‫ميان ان حتصل على اموال كثرية من اجياره‬ b) You don't need a loan. ‫ال حتتاج ا قرض‬ c) You may get a lot of money when you sell it.‫قد حتصل على اموال كثرية بعد بيعه‬ ① b; ②a; ③ C; ④ C; 55 C\ Find the words in the text that complete the following. :)‫ ةد الالمال املوةودة يف النص واليت تامل العبارال التالية (مهم‬/C ① put some…………………. ً‫ضع قسما منها جانبا‬ ② pension …………………… ‫خطط التقاعد‬ ③ ……………….. savers ‫مدخرين كثيري التردد من وقت ألخر‬ ④ a fixed …………… ‫مبلغ ثابت‬ ⑤ financially …………… ‫عقلية تجارية‬ ⑥ a risky ………………………. ‫عمل محفوف بالمخاطر‬ ⑦ Major ………………… ‫العبون اساسيون‬ ⑧Break …………………. ‫االبقاء على المال االصلي‬ ⑨Realize the ……………………… ‫يحقق الربح‬ ① aside ; ② plans ; ③ regular ; ④ sum ; ⑤ minded ; ⑥ business; ⑦ players ; ⑧ even ; ⑨ profit ‫جمل مهمة في االسقاطات‬ Invest ‫ يستثمر‬/ withdrawal ‫ سحب‬/ statement ‫كشف حساب‬ ① She pays ‫ دفع‬money from her irregular withdrawal ‫من سحبها الغري‬ ‫ منت م‬work ‫ عمل‬. ② I'm waiting for the bank statement ‫ املصريف‬to check my balance ‫ ألتاكد من رصيدي‬. ③ Try to invest ‫ تستثمر‬your money. Don't keep it ‫ ال تبقيها‬in a box under your bed. ④ She made a withdrawal from a checking account. 56  Lesson 9 / Activity Book / Page 144 Write a letter to your bank to complain about a withdrawal show on your statement that you didn’t make. Write 100-200 words ‫أكتب رسالة حول شاوى ا مصرف حول مال مل تسحبه من املصرف‬ Dear sir , ‫اعتقد‬ ‫هنالك‬ ‫كبري‬ ‫احب‬ ‫اشارك‬ ‫اخلدمة اجليدة‬ I’d like to thank you for bank’s good service, but I think there is a big ‫خطأ‬ ‫حصل‬ ‫شاواي‬ mistake had got. I’m writing to tell you my complain about a ‫سحب االموال‬ ‫يف موةود‬ ‫حسابي‬ ‫استلمت‬ withdrawal show in my account last month. I received my bank ‫استمارة‬ ‫الح ت‬ ‫خاطئ‬ ‫سحب أموال‬ statement two days ago and I noticed that there is a wrong withdrawal ‫فيها‬ ‫املصرف‬ ‫استمارة‬ ‫سحبت االموال‬ in it. The bank statement says that I have withdrawal 100,000 Iraq ‫متأكد‬ ‫مل‬ ‫اي رقم‬ Dinars on 20th of February-2023 , and I’m sure I didn’t do any ‫سحب‬ ‫من‬ ‫الرصيد‬ ‫املاضي‬ ‫الشهر‬ ‫لتحقق‬ withdrawal from my balance the previous month. if you can check and ‫حتل‬ ‫هذه‬ ‫املشالة‬ ‫ممنت‬ ً‫رةاءا‬ ‫اكتب لي‬ solve this problem , I will be grateful. Please, write to me know your answer. ‫العرف االةابة‬ Yours Sincerely , ‫خملصك‬ Nazar Ali. 57