「Beginner」step1 ：初级入门

    A ： How do you use an ATM card ， Billy？

    B ： It ‘s easy， grandpa. Insert your card into the machine here.
Then wait a moment. OK. Now you enter your PIN. It should have four numbers.

    A ： Oh yes. I‘ve got it written down here. Just a minute.

    B ： You really shouldn ‘t write it down. You should memorize it.
You can change it to a more convenient number if you like.

    A ： OK ， I‘ve entered my PIN. There are several options on the
screen. I guess I just choose which service I want， don't I？

    B ： Yes. Choose the service you need to use. If you choose to withdraw
money ， the machine will ask you how much you want.

    A ： I can just enter the amount using the key， right？

    B ： That ‘s right. Give the machine a moment to process you request.
Then take your money.

    A ： These machines aren‘t very difficult to use. In fact， I quite
like them. They are much faster than dealing with a bank clerk.

    「Intermediate」step2 ：中级进阶

    A ： Which services offered by your bank do you use most？

    B ： I use several services. Of course， I deposit and withdraw money
quite often. I often use my ATM card to take money out of my current account.
I use my bank to exchange money from one currency to another. I often
travel abroad ， you see.

    A ： Do you ever ask your bank for traveller's cheques？ They are
much safer than carrying lots of cash around.

    B ： I sometimes use traveller's cheques， but sometimes I travel
to countries where they are hard to exchange for cash.

    A ： Do you use your bank to pay your utility bills ？ I use direct
debit.

    B ： Yes， I do. It saves me a lot of time. I also have standing orders
for my subscriptions to magazines.

    A ： That ‘s good idea. You don’t need to worry about missing an
issue of a magazine if you do that. I suppose you have a mortgage too.

    B ： Yes. My bank offers very good terms and conditions on mortgages.
There ‘s a lot of competition between banks nowadays. Each one is trying
to offer better conditions and services than the others.

    A ： I have a deposit account with my bank. There are some restrictions
on withdrawing money， but the interest rate is much higher.

    B ： I don‘t have one. I prefer to buy shares. My bank also provides
a share trading service. It ’s cheap and easy to use.

    A ： That ‘s great. But I prefer to put my money somewhere where
the returns are more certain.