ESP/Management Department CGAO CCA1

Text: First -e bank; an online bank

a) Next time you're in a High Street Bank, look around you and think how
much it must cost to run - a prestige address, a nice office for the
manager, lots of staff and glossy leaflets. You might as well enjoy it -
because you're paying for it. With first-e, overheads and bank charges
just don't apply. This means better interest rates for you.

La prochaine fois que vous vous rendrez dans une High Street Bank, regardez
autour de vous et réfléchissez au coût de fonctionnement - une adresse
prestigieuse, un beau bureau pour le directeur, beaucoup de personnel et des
dépliants sur papier glacé. Vous pourriez aussi bien en profiter - parce que vous
payez pour cela. Avec first-e, les frais généraux et les frais bancaires ne
s'appliquent tout simplement pas. Cela signifie de meilleurs taux d'intérêt pour
vous.

b) first-e offers high interest on every pound you put in. We accrue interest
daily and pay it monthly, without deducting tax, as long as you fill in the
form we give you. first-e offre des intérêts élevés sur chaque livre investie.
Nous cumulons des intérêts quotidiennement et les payons mensuellement, sans
déduction d'impôt, tant que vous remplissez le formulaire que nous vous
remettons.

c) We use the most advanced and secure systems available to protect your
assets - so your money is just as safe as it is in a High Street Bank. A
number of sophisticated security layers including advance encryption
technology are used to protect all first-e customers. Nous utilisons les
systèmes les plus avancés et les plus sécurisés disponibles pour protéger vos
actifs - votre argent est donc aussi sûr qu'il l'est dans une grande banque. Un
certain nombre de couches de sécurité sophistiquées, y compris une technologie
de cryptage avancée, sont utilisées pour protéger tous les clients first-e.

d) All you have to do is:

-Complete and submit the on-line application form. You will then receive a
confirmatory e-mail. As soon as you receive this e-mail, you will be able to
access your account and transfer money from your current bank account.
- Print, sign and post the relevant documents to us.
Once we have received these documents, we'll confirm without delay that your
account is fully active.
Tout ce que vous avez à faire est de : - Remplir et soumettre le formulaire de demande en
ligne. Vous recevrez alors un e-mail de confirmation. Dès réception de cet e-mail, vous
pourrez accéder à votre compte et transférer de l'argent depuis votre compte bancaire
actuel. - Imprimez, signez et postez-nous les documents pertinents. Une fois que nous
aurons reçu ces documents, nous vous confirmerons sans délai que votre compte est
pleinement actif.
 e) You can transfer funds on-line from one first-e account to another easily,
instantaneously and without charge. Similarly, you can use the on-line transfer
facility to transfer unds to and from another bank account in the UK, free of
charge. Transfers to another bank normally take three working days to
complete. Note that we do not currently accept cheques for the first-e savings
account. Handling cheques is a slow and expensive practice. By not processing
cheques, we can pass the savings straight onto our customers.
Vous pouvez transférer des fonds en ligne d'un compte first-e à un autre - facilement,
instantanément et sans frais. De même, vous pouvez utiliser la fonction de transfert en
ligne pour transférer gratuitement des fonds vers et depuis un autre compte bancaire au
Royaume-Uni. Les virements vers une autre banque prennent normalement trois jours
ouvrables. Notez que nous n'acceptons pas actuellement les chèques pour le compte
d'épargne first-e. La gestion des chèques est une pratique lente et coûteuse. En ne traitant
pas les chèques, nous pouvons répercuter les économies directement sur nos clients

f) We've all stood in bank queues, trying to find a deposit slip and fill it in
while we're standing up with a biro on a chain that doesn't work. We've all tried
in vain to get an appointment with some junior manager for an overdraft. first-e
aims to change all of that, and make banking easy and convenient. We've done
everything we can to make our services as friendly and simple as possible.

Nous avons tous fait la queue à la banque, essayant de trouver un bordereau de dépôt et
de le remplir alors que nous étions debout avec un stylo à bille sur une chaîne qui ne
fonctionnait pas. Nous avons tous essayé en vain d'obtenir un rendez-vous avec un jeune
manager pour un découvert. first-e vise à changer tout cela et à rendre les opérations
bancaires faciles et pratiques. Nous avons fait tout notre possible pour rendre nos services
aussi conviviaux et simples que possible.

A-Read the text and match the titles (l-6) with the corresponding paragraphs (a- f):

1. transfer cash out conveniently & easily e

2. designed for the Internet, not the high street a
3. opening an account is simple - it only takes an instant d
4. manage your finances the easy way f
5. high interest rates b
6. your money is safe with us c

B-Mark these statements true (T) or F (false) according to the text. Find the part of the
text that gives the correct information.
1. First-e has a prestige high street address in every town.
________________________________False______________________________
2. First-e bank lets you open an account without the need for paper documents.
________________________True __________________________________________

3.It takes 3 days to transfer funds from one First-e account to another.
_____________________False_________________________
4. allows you to transfer funds on-line.
__________________True_______________________

C- Match these words (1-5) with their definitions(a-):

1. overheads 2. bank charges 3. interest rate 4. Savings 5. overdraft

a) money kept in the bank to earn interest.

b) money spent on the general running of a business, not related to producing goods or
selling services
c) what customers pay the bank in return for its services

d) amount the bank will pay customers on their deposits

e) arrangement that allows customers to take out more money from their account than they
have put in .

1-b 2-c 3-d 4-a 5-e

II-Communicative Competence

Activity1: An ABC bank receptionist and a possible customer whose

name is PIM NJAY are discussing on the phone about the banking
services: Fill in their dialog meaningfully with the words from the box

benefits, saving accounts, Thank, to bank online, PINs

can, would, provide , calling, contacts, bills, fraud

The receptionist: ABC Bank, good morning, how can I help?

PIM: hello my name is PIM; I would like to know much about your online banking
services.
The receptionist: We are a bank specialized on transactions and mainly on
internet banking.
PIM: How does your system work?
The receptionist: We provide our customers with many facilities once they
subscribe in; these activities include payment of bills, fund transfers, loans but also
you can buy online with your credit card.
PIM: It sounds interesting, but what are the other benefits that I can get from
services?
The receptionist: Our bank offers high interest rates on saving accounts and low
rates on loans than traditional banks.
PIM: Do you think it is safe to bank online? what are the possible risks one may run?
The receptionist: There are some risks like fraud but our banking system is well
protected and safe. We provide you with pins and passwords whose users are only
you. So, you have just to make sure they never fall in the wrong hands.
PIM: Great, for more information what can I do?
The receptionist: Give us your full contacts so that we can call back and send you
our brochures for much more information.
PIM: Alright, here they are: Njolofen District, Saint Louis, 777777778, papendiaye
@gmail.com
The Receptionist:(8) thank you for (9) calling and we keep in touch.
PIM: Bye for now.
Activity2: Complete the passage using the correct tenses or forms of the words between
parentheses.

Mrs.Ndiaye has been (to be) at the Finance department since her first steps in the bank.
She enjoys managing (to manage) the accounting service. However, It is high time she got
(to get) a promotion. So, she had better talk (to talk) to the CEO since things have not been
moving (not/ to move) for 5 years now.