1. Lecturer: Miljen Matijašević G10, room 6/I, Wed 11:00-12:00 e-mail: miljen.matijasevic@gmail.commiljen.matijasevic@gmail.com Session 3

2. 1. Revision of the last session 2. Online Banking (HOBS)

3. Money and Personal Finance

4. 1. What does it mean to lend, owe and raise money? 2. Chase the intruder: credit, debit, deposit, pay into. 3. Do the following mean the same: your account is overdrawn / your account is in the black? 4. Make sentences with the words: credit, draw, bank statement, pay into, withdrawal, balance

5. 5. What is an ATM and what is it used for? 6. What is a bank statement? What does it show? 7. What means of payment do you know? 8. Illustrate four different ways to use the verb TO PAY with an object ( with/without prepositions ).

6. HOBS

7. In general terms... ◦ What is HOBS? ◦ What services does it offer? ◦ Who can use it?

8. Read lines 1 to 14 and answer the following questions: 1.What does HOBS enable you to do? 2.Translate the paragraph. Read lines 15 to 34 and answer the following questions: 1.How much does a HOBS unit cost? 2.Can it be obtained free of charge? How? 3.How is HOBS accessed?

9. Read lines 35 to 46 and answer the following questions: 1.What are the advantages of making payments through HOBS? 2.What is the purpose of the HOBS memory? 3.How does that work to the user’s advantage? 4.Translate the paragraph. Read lines 47 to 62 and answer the following questions: 1.Who is HOBS Investment Account intended for? 2.How long does money have to be deposited in the Investment Account in order to collect interest? 3.Are payment instructions carried out immediately? 4.Translate the paragraph

10. Read lines 63 to the end and answer the following questions: 1.Is HOBS available 24 hours a day? 2.Why is the HOBS service better than regular banking services? 3.What other benefits of being a Bank of Scotland customer are mentioned in the last section?

11. Are the following statements true or false? Mark with T, F of DN (‘don’t know’). 1.HOBS can be used by both business people and private individuals. 2.You can only use HOBS if you have a PC. 3.If you use HOBS you will be given an identity number and a password. 4.£500 is the minimum required to open a HOBS account. 5.You can make ten monthly payments to cover the cost of buying HOBS. 6.Making a payment with HOBS is more expensive than paying by cheque. 7.HOBS can be programmed to pay your bills automatically. 8.There is more than one type of HOBS account. 9.HOBS can be accessed 24 hours a day. 10.You can arrange for The Bank of Scotland to give you a personal demonstration of how HOBS works.

12. Thank you for your attention!