[originaltext] W: Good morning, sir. M: Good morning. W: How can I help

W: Good morning, sir.
   M: Good morning.
   W: How can I help you, sir?
   M: I’d like some information for requesting a loan.
   W: Well, here are the general terms of our loan policies. We pride ourselves on having the lowest interest rate in the country for personal loans.
   M: I see. So let me get this straight. If I borrow, let’s say, 10,000 dollars, how much will I have to pay each month?
   W: It depends on how long will you take to pay it back. If we lend you 10,000 dollars at an annual interest rate of 10% for 48 months, you would have to pay each month a portion of the loan which is called the principal and another small portion of the annual interest rate, on condition that you don’t default on a payment!
   M:10%t? Er...mm. Got it. Thanks. By the way, how to open a new account?
   W: First you should fill out an application form. Fill in your name, address and phone number.
   M: Fortunately I’ve brought some documents along with me.
   W: That’s great. I need to see your passport.
   M: Here you are.
   W: OK! Do you want to open up a checking account or a savings account?
   M: Er...mm. Does the checking account come with a debit card?
   W: Yes. Actually, both accounts come with debit cards that you can use in ATM machines, so that you won’t have to come in to the bank to make a transaction.
   M: I like the debit card. That’s very convenient.
   W: It is. But as to the checking account, there’s a minimum deposit of 1,000 dollars for the first time.
   M: Ah! Actually I just need an account for which I can withdraw my money anytime I like, and get some interest on it as well.
   W: Well, then I think a current account will be OK, sir. You can make withdrawals from the bank and the ATMs anytime you like.
   M: Great! But what’s the annual interest rate for this kind of account?
   W: At present the rate is 3.2% a year.
   M: Good. I think I’ll just open a current account. Will 100 dollars be enough to open this account?
   W: Yes, of course.
   M: Here you are.
   W: Fine. Wait a moment, please.
   M: OK.
   W: Here is your bankbook, and its debit card.
   M: Thank you very much.
   W: You are welcome.
   Questions 1 to 5 are based on Conversation One.
   1. Where does the conversation possibly take place?
   2. What does the woman provide the man with as to the loan?
   3. How does the man feel about personal loans after the woman’s introduction?
   4. What is the requirement for opening a checking account?
   5. What does the man get in the end?