CITY BANK CUSTOMER SERVICE LATEST LISTENING TEST

You will listen to several different recordings and have to answer questions about what you hear. There will be time for you to read the instructions and questions and you will have the opportunity to check your work. All recordings will be played once. The

test

consists of four sections. At the end of the

test

, you will be given 10 minutes to transfer your answers to an answer sheet. Now move on to section one. Section one. You will overhear a conversation between a

bank

employee named Jeanette and a questioning man. information on how to invest money first, you have some time to read questions one to four, you will see that there is an example that has been made for you on this occasion, only the conversation related to this example will be played first, this is citi

bank

, you It's talking to Jeanette, how can I help you today?

Hello, I would like to ask some questions about a term deposit. No doubt you currently have some investment with us. The man asks about term deposits, so term deposits have been written in the space now. We will start. You must answer the questions while

listening

because you will not listen to the recording a second time. Listen carefully and answer questions one to four. This is City Bank. You're talking to Jeanette. How can I help you today? Hello, I would. I would like to ask some questions about a term deposit. Certainly, do you currently have any investments with us?

Yes, but my term deposit is expiring soon and I have come to find out my options for renewing and extending it. I'm considering To be honest, there are a variety of different investments, but I want to start with the simplest option. Well sir, before we begin, I just need to verify your ID. Can I have your name? I just need to ask you a couple of security questions: what is your mobile phone number zero two three five six one zero double five and your date of birth, please, February 18, 1968. Okay, I have your account information in front of you. me.

I currently have eighteen thousand dollars with a term of one hundred and eighty days, that is, at a rate of three point four five percent annually or annually. Okay, so what are my options? Can we start by looking at one- and two-year timeframes? Let's do that, let's see well, if we put it in a time frame of one year, we can give you an annual return of 3.65 percent and over two years it is 3.7 percent. Oh no, wait, sorry, we have a special offer on that time frame right now at 3.85. Alright. So what does that mean in dollars?

Wait a minute and I'll mention it. Okay, the total interest earned would be 657 for one year and I'll just show you the two year figure with a two year term of 3.85. interest, that's a total of 1,412 interest at maturity, right, that's about a difference of 700, yes, a little more, actually, okay, oh, a friend of mine told me that they pay interest on your deposit to installment in your account every month. Do you have a monthly interest option? Yes actually. We offer that in time deposits, but only in investments of twenty thousand dollars or more. Before

listening

to the rest of the conversation, you have some time to look at questions five through ten.

Now listen and answer questions 5 to 10. May I ask if I have considered a pie as an alternative investment option a pie yes, it means personal investment entity is an investment trust its returns tend to be higher than those of a deposit term because 28 is the maximum tax on those earnings okay, that sounds interesting. I've heard of them, but never really understood them. I thought they were called cakes. They always sounded like something to eat, but I sure like getting a bigger slice of my investment pie. Well, with a cake the return on your investment changes depending on how. how much taxes do you normally pay, oh I see, based on my income level, yes, that's right, for example, in a two year plan, if you earn between forty eight thousand one dollars and seventy thousand dollars with a tax of thirty percent, there is a three. point seven five percent effective rate on pie earnings, okay, I actually have a 33 percent tax rate, well, that's an even better return if you're making between seventy-one thousand dollars and one hundred and twenty thousand dollars , the interest rate effect is higher too, so let's take a look at a two-year investment.

The rate actually rises to 3.92 percent. Wow, okay, so a pie may be the best option, better than a term deposit, I mean, can I do that with an investment of 18,000? Yes, the minimum deposit for a pie investment is ten thousand dollars, okay, and are there any hidden fees? No, there is no charge to invest in a cake. Well, that's good news, wait a minute. What about interest payment options? Is it the same as time deposits? You must have a minimum deposit to be eligible for monthly payments. Let me check the options here. You will be pleased to know that there is actually more flexibility with term deposits than with term deposits.

You can choose to have your interest paid every month, quarterly, or every six months. or annually, well, that's given me something to think about. Would you like to apply today? No, I'll have to think about it. Thanks, of course, if you decide to go ahead, applications are processed in two days as long as you have a bank. You can count on us, which you can do, you can apply on our website by phone or visit one of our branches. Thank you very much for your help. That's the end of section one. You now have half a minute to check your answers.

Section 2. You will listen to a woman. First we introduce you to the Lunar Kingdom Amusement Park. You have some time to look at questions 11 to 15. Now listen carefully and answer questions 11 to 15. Good morning everyone, we are very happy to have you here in the lunar kingdom for our September day of celebration. We have many smaller celebrations throughout the year for different events. I think there were five at last count, but the September celebration is a special day to honor the development of the park from its small beginnings to the large enterprise it is today. It is our most important annual event. visitor center now here you can see a photo of the original park when it was under construction.

The land was donated to the

city

in 1955 by then-Mayor Matthew Hardacre, but the park itself wasn't developed until 1979, and you'll notice. It wasn't very big at the time, then there was huge growth in the 1990s and we're still growing today. At first there were only a few small attractions in the park, there were many other attractions in those days including an adventure park. For younger children, the kids loved the petting zoo with its farm animals and in fact that is the only attraction that has survived so far. We still have two of the original attractions as exhibits, but they are no longer in operation.

It is now one of the largest amusement parks in the country, we have an incredible variety of attractions here, 43 in total this year, I think we are most famous for our roller coasters, aren't we? I guess everyone has heard of them. The Hurricane, which is the oldest and most famous, some of our visitors think it's not fast enough to be really exciting, but we love it because it's the tallest wooden roller coaster in the country. Then we have the lynx, which is a little gentler for our younger visitors. and for the truly adventurous, the scream machine launches you upside down and backwards at high speeds.

It's too much for me. It's important to remember that all of our attractions have age guidelines and to help you, there is a color system if an attraction sign is yellow. means that it is suitable for all ages although we recommend that parents or older siblings go with very small children blue means that children under 14 years of age can ride only if accompanied by an adult and black well this means that you must be at least 110 centimeters tall To ride regardless of age we must say that no attraction is really suitable for children under 18 months, but we do have a special section for parents with babies.

Before listening to the rest of the talk, you have time to look at questions 16 to 20. Now listen and answer questions 16 to 20. Now I will tell you about the many food options around the park. You can get a variety of different cuisines, Italian, Chinese, etc., all in the food court in the center of the. park, but there are also many other places, if you want burgers, sandwiches, that kind of thing, you can find food stalls everywhere. We pride ourselves on the quality of our food and all of our vendors use fresh, healthy ingredients from local farms, don't forget.

The special events we have planned for the anniversary celebration are two main events today and both are free. The first is the afternoon parade which starts at noon, so arrive a little early if you want a good view. The best place to see. It is along the main street. Everything is organized by students from the last year of the school. You will see some gymnastics and acrobatics. You'll hear music from a marching band and see some fantastic floats. The parade has become one of our featured events of the year. The second big event today. is an evening concert held in our main amphitheater.

The concert features costumes and lights for singing and dancing. There is a different theme every year. This year the theme is Hollywood and it's all about classic style and old movies. The concert begins at 7 p.m. m., but try it. arrive at 6:45 now I know everyone is eager to get out and have fun, but before you leave I'm just going to give you some information about safety and security, if anyone needs medical attention we have help available you can see. on this map, next to the visitor center, which is where we are now, of course, can you see this red dot?

Yes, that is one of our 10 first aid centers. If you get hurt, all you need to do is ask a staff member. to direct them to the nearest one and children, remember that if something happens you get lost and can't find your parents, please tell someone who works at the park, just look for someone dressed in the colors of the lunar kingdom and they will help you to you and everyone. If you have a problem of any kind, you can come and speak to a member of our security team at any of the many guard stations.

Those are the blue dots here on the map. Don't forget to bring a copy of the map. At the end of section two, you now have half a minute to check your answers. Section 3, you will hear a conversation between a peer tutor and an engineering student who needs help with a project. First you have some time to look at questions 21 to 24. Now listen carefully. and answer questions 21 to 24 hi john, thanks for seeing me today. I'm really struggling with my project. I have to come up with a design for a water treatment system and I'm really not sure what I'm expected to do right.

Fellow tutors have taught us to follow a process in these tutorials, okay, the first step is to look closely at the assignment instructions, that sounds good. I'm fine too, they told us to do some research, but I don't know where. To begin with, it is always difficult to get started. We have about 45 minutes today, which should give us some time to review it. Have you done much research before? No, this is my first project like this and I'm really stressed about it. I went to a research seminar at the beginning of the year, but I forgot most of it.

That's okay, because the next step of our tutorial will be to consider some common research strategies that you can use to get started with engineering very often. The projects you do are practical, so you may want to think about how to access other people's articles on similar projects. Yes, that sounds useful. How can I find them? There are always online databases, but you need to know what search terms to use to do so. Can you come up with some useful terms, um, Cameroon, I guess, and maybe gray water, yeah, well, but they might not give you much results.

What about the type of research? I have always found it useful to look for case studies. You know, there are probably many. those about systems set up for other villages in developing countries that you might see. I've got a couple here, they're actually on different topics, but we can look at the structure and develop some useful ways to approach your research. Is there anything else? would you like to see today um mmm I can't think of anything at the moment that all sounds really cool, so the next step is to come up with an action plan how long do you have to finish the project? four weeks, I think it's due on day six before you listen to the rest of the conversation, you have some time to look at questions 25 to 30. now listen and answer questions 25 to 30.

Okay, let's start with the project requirements, then you have them there. Great, let's see. Tell me what you understand about the task. So we need to create a system for gray water treatment so that we can minimize the strain on the overloaded water supply in a village in Cameroon. That is correct, but I don't understand the details about theguy. of the system and what it should be used for. Well, we'll get back to the system type in a minute. It says here: gray water. Have you learned about gray water? No, I missed the conference. Well, then it's the water we use in our homes. but not in the toilet, the water that goes down the drains not into wastewater, it can be recycled because it is relatively clean, so what could the water treatment system try to do?

Treat it and direct it to exactly another place. Why treat it? Because, of course, I understand it. because it will still have bacteria in it, so it needs to be treated, that's right, and then when it is treated, what could it be used for something else, like garden irrigation? Yes, there are other practical uses inside the house for sanitary systems too, oh what? about doing laundry yes exactly, that's a good example, it's pretty clear now, thanks, great, now let's think about the kind of research you might need to do. I'll have to look into different types of water treatment systems to find out the pros and cons of each.

Well, where would you look on the internet first? Yes, but be careful and remember that you are likely to encounter a lot of biased comments. On websites you know, manufacturers who want to advertise their brands, it might be better to use the engineering library. To be honest, I'm not too sure about using the library. It is very difficult to find the right resources. Hmm, it's often a matter of choosing the best search terms to include. the catalog search field, yes I try to do that, like water treatment, that might be too broad, gray water treatment systems, that's more like it and you'll need to look for systems designed for residential use, not commercial, there's a big difference, I usually end up borrowing. a big stack of books, then comes home and discovers that they are useless.

Try to read the contents before taking them out. Skim through the relevant sections. It often helps to read the parts not completely, but just to get the main idea right. Oh, and I see this as an ewb project. Have you seen the website? You may have some examples of last year's contest-winning designs. No, I saw it and I didn't know what ewb meant. Engineering without borders is what it means. At the end of section three, you now have half a minute to check your answers. In section four, you will hear a talk on the topic of the caveman diet.

First you will have some time to look at questions 31 to 40. Now listen carefully and answer questions 31 to 40. Hello everyone, do you use the Internet if I ask you what is the most common topic for advertisements on the Internet? I suspect the weight loss ads would win hands down after all, dieting is one of our current obsessions that we've all heard about. The Atkins Diet The Macrobiotic Plan The South Beach Diet The Raw Food Eating Plan All of these fad diets and many more promise that you will lose pounds and live a healthy life if you follow their plan Today we are going to discuss one of the most well-known diet trends. western diet the paleo or caveman diet first of all, what is this diet and where does it come from?

Proponents of this diet argue that we must go back to the basics, that is, to what our ancestors ate many years ago. They say that our bodies are not adequate to digest complex carbohydrates such as grains and legumes, we should eat a hunter-gatherer diet rich in lean meat, fish, nuts and berries and without wheat, oats or other grains that entered our diet after the invention of agriculture, sounds logical. But let's look a little closer. The first question we should ask about the caveman diet is what our ancestors actually ate. One way to discover this is to study the diets of existing hunter-gatherer tribes, although these groups tend to consider meat as the primary food.

The best source of food they often have difficulty finding in Africa, for example, more than 50 percent of the time Bushman tribes return home empty-handed from their hunting expeditions despite being very skilled with equipment such as bows. and arrows, so what do they eat? When they can't get good meat, wives come to the fore and then forage and cook local plants. Most groups eat many plants. These cover a wide variety of local species, including nuts, bananas and yams, and evidence suggests that this was This is also true for our ancient ancestors, researchers suggest that these people would eat more meat if they could obtain it, but in fact, only About a third of your calories come from this protein- and fat-rich source.

Research shows that when these groups first come into contact with a Western diet their health is affected once they are exposed to our diet of carbohydrates and refined sugars, they quickly develop diseases related to our lifestyle; However, that does not mean that the human digestive system is suitable for digesting only a few food sources nor that it cannot change to adapt to different food sources, in fact the evidence would suggest exactly the opposite, as a species we are capable of make significant modifications to our digestive system according to the foods available in our local environment, examples are limited and our ability to digest lactose is a good lactose is a sugar found in milk and is digested in the human intestine by the lactase enzyme in communities in Europe, the Middle East and Africa that traditionally raise cattle and drink cow's milk.

This enzyme is present and people can digest dairy products. However, in places like China and Thailand, which do not have this style of farming, the enzyme is missing and most people are lactose intolerant. Another example is the ability to digest sugars from starchy foods. Communities that eat many of these foods have saliva that breaks down. They break down starchy foods before they reach the intestine, while other groups have a harder time getting nutrition from starchy sources; In fact, if you look at indigenous cultures around the world, there is a wide variety of successful diets: Inuit get almost all of their energy from starch-rich sources.

Sources of fat such as seal meat. Jains in India have religious beliefs that prohibit the eating of any living thing, including eggs, but nevertheless allow the consumption of dairy products. Other groups eat primarily fish or have an insect-based diet, depending on locally available fat sources. protein, so the idea that our caveman ancestors ate a homogeneous diet and that if we followed it we could all be healthy would seem like an oversimplification. Diets are the result of complex cultural dietary practices. People can and will eat almost anything, so yes we can. Eat a variety of diets, is there anything really wrong with following the caveman diet well?

First, on a practical level, it is an expensive way to get your daily calories. Few of us can afford to meet all of our energy needs with a diet that relies on lean, wild meat. meat and nut oils a few carbohydrates provide cheap satiety and a major energy boost for most of us; Secondly, a diet that includes a high proportion of red meat may not be good for our long-term health if our body adapts to a sedentary lifestyle and with a plant-based diet we simply exercise less than our ancestors ​​and, therefore, we are more prone to some diseases than them.

Finally, if we all start eating a wild meat-based diet, this will have negative implications for the environment because it is not a sustainable way to feed many people. This is the end of section four. Now you have half a minute to check your answers.