1. Listening - 4, 24 + 1 By May 20

 1. Listening      
     4. CLB5L Listen to a short explanation from a bank teller about different accounts (Vocaroo) to determine the advantages and disadvantages of each.
        1. List the key facts about each account mentioned.

•  CIBC bank Tom to Sabi Sawan

• 1. Basic Chequing account ( Everyday Chequing Account ) , 12 transactions each month, $3.90/month 
• 2. All-in-one banking( Premier Service Account), Unlimited transactions, $28.95/month
• 3. Smart Account, 12 transactions each month, $4.95/month, If over 12 transactions, never pay more than $14.95 for Unlimited transactions.
• For newcomer, Everyday Chequing Account, Unlimited transactions, no monthly fee for first year, Permanent residents can qualify for up to $55 cash back on a safety deposit box.
• Advantage Debit Card for 24 hours bank

        2. What options are recommended? Are they relevant to your needs?

•  I prefer to Smart Account.Each month, 12 transactions is enough for me. If over 12 transactions, I just need to pay $14.95 for it.

        3. Write a text message to members of your family. Which account will you probably decide on for each member of your family? Give reasons.

• Hi Honey，CIBC bank teller called me for Chequing account options. I prefer to Smart Account. We pay $4.95 for 12 transactions each month, If over 12 transactions, never pay more than $14.95 for Unlimited transactions. It's Cheaper than Premier Service Account that it need to pay $28.95/month for Unlimited transactions.

        4. Ask yourself: Did you get the gist; identifies key words and phrase, factual details and some implied meanings, and opinions; and interpret descriptions, reports and explanations?

• For this case, I didn't.