ENGLISH FOR BANKING

ENGLISH FOR BANKING

Hak Cipta  Riski Lestiono, Laela Hikmah Nurbatra, Tri Wijayanti, Nabila
Safitri, Ence Adinda Dianasta A., Noor Amalia Utami, 2019
Hak Terbit pada UMMPress

Penerbit Universitas Muhammadiyah Malang

Jl. Raya Tlogomas No. 246 Malang 65144
Telepon: 0877 0166 6388, (0341) 464318 Psw. 140
Fax. (0341) 460435
E-mail: ummpress@gmail.com
http://ummpress.umm.ac.id
Anggota APPTI (Asosiasi Penerbit Perguruan Tinggi Indonesia)
Anggota IKAPI (Ikatan Penerbit Indonesia)

Cetakan Pertama, September 2019

ISBN 978-979-796-410-8

viii; 422 hlm.; 16 x 23 cm

Setting Layout : Andi Firmansah & Septian R.

Design Cover : Septian R.
Editor : Masduki

Hak cipta dilindungi undang-undang. Dilarang memperbanyak

karya tulis ini dalam bentuk dan dengan cara apapun, termasuk
fotokopi, tanpa izin tertulis dari penerbit. Pengutipan harap
menyebutkan sumbernya.

II
 Sanksi Pelanggaran Pasal 113
Undang-Undang Nomor 28 Tahun 2014
tentang Hak Cipta

(1) Setiap Orang yang dengan tanpa hak melakukan pelanggaran hak ekonomi sebagaimana
dimaksud dalam Pasal 9 ayat (1) huruf i untuk Penggunaan Secara Komersial dipidana dengan
pidana penjara paling lama 1 (satu) tahun dan/atau pidana denda paling banyak Rp 100.000.000
(seratus juta rupiah).
(2) Setiap Orang yang dengan tanpa hak dan/atau tanpa izin Pencipta atau pemegang Hak Cipta
melakukan pelanggaran hak ekonomi Pencipta sebagaimana dimaksud dalam Pasal 9 ayat
(1) huruf c, huruf d, huruf f, dan/atau huruf h untuk Penggunaan Secara Komersial dipidana
dengan pidana penjara paling lama 3 (tiga) tahun dan/atau pidana denda paling banyak
Rp500.000.000,00 (lima ratus juta rupiah).
(3) Setiap Orang yang dengan tanpa hak dan/atau tanpa izin Pencipta atau pemegang Hak Cipta
melakukan pelanggaran hak ekonomi Pencipta sebagaimana dimaksud dalam Pasal 9 ayat
(1) huruf a, huruf b, huruf e, dan/atau huruf g untuk Penggunaan Secara Komersial dipidana
dengan pidana penjara paling lama 4 (empat) tahun dan/atau pidana denda paling banyak Rp
1.000.000.000,00 (satu miliar rupiah).
(4) Setiap Orang yang memenuhi unsur sebagaimana dimaksud pada ayat (3) yang dilakukan
dalam bentuk pembajakan, dipidana dengan pidana penjara paling lama 10 (sepuluh) tahun
dan/atau pidana denda paling banyak Rp 4.000.000.000,00 (empat miliar rupiah).

III
 PREFACE

English for Banking is written to fulfill students' needs to learn English

for Specific Purposes. This book is designed to provide an opportunity
for the students to develop their English skills more communicatively
and meaningfully.
It consists of twenty eight units. Each unit presents reading, writing,
and speaking section. Reading section consists of pre-reading, reading
comprehension, and vocabulary exercises related to the topic of the text.
In writing section, some structure and sentence patterns are completed
with guided writing exercises. Meanwhile, in speaking section students
are provided with models and examples followed by practical activities
which are presented in various ways. The materials have been arranged
and graded in accordance with their language levels.
Above all, to improve the quality of this textbook, criticisms and
suggestions for better editions are highly appreciated.

The writers

IV
 TABLE OF CONTENT

UNIT 1 FACTS ABOUT MONEY 3

Auto-Biography 7
It‟s About Me 10

UNIT 2 E-MONEY 15
Writing Interest and Talent 19
Well, I Want to Devote to This 21

UNIT 3 WHAT IS „INFLATION‟? 27

The Reasons I go to This University 32
What an Incredible University 35

UNIT 4 DEFLATION, ITS CAUSES AND WHY IT‟S BAD 44

The Reasons Why I Choose Banking 48
This is Exactly the Major That Fits Me 51

UNIT 5 HOW TO INCREASE THE VALUE OF THE

CURRENCY 57
Writing Your Achievement 62
Yeah, I Made It! 65

UNIT 6 BANK IN INDONESIA KEEPS CURRENT ACCOUNT

DEFICIT BELOW 3 PERCENT 72
Writing My Life Principle 1: Value, Belief, Motto 76
The Things I Do Like (Preference) 78
V
UNIT 7 INTERNET BANKING AS A RADICAL
 INNOVATION 83
Writing My Life Principle 2: Future Goals, Career,
and Plans 87
The Things I Don‟t Like 90

UNIT 8 HOW ISLAMIC FINANCE DIFFERS FROM

CONVENTIONAL FINANCE 96
A Cover Letter as a Way to Create Sales Pitch 100
Sure! I Love This Position 106

UNIT 9 STUCTURE AND FUNCTION OF THE

REGIONAL RURAL BANKS 113
Writing Your Potential Skills 117
I am Proud of Being in This Position (Promotion) 120

UNIT 10 THE PURPOSE OF WORLD BANK 125

Writing Your Strong Personality 129
I Don‟t Belong to This Position (Resignation) 131

UNIT 11 VIRTUAL BANKING 138

Writing Your Weak Traits 141
Well, I Promise to Improve It 144

UNIT 12 PROS AND CONS OF MOBILE BANKING 152

Writing a Company Profile 156
This is Extremely a Good Company 159

UNIT 13 IN THE BEGINNING, AMAZON.COM SOLD BOOKS 166

Writing Your Expectation 169
Wow, My Salary Expectation, Isn‟t it Too Fast? 172
VI
UNIT 14 THE PROS AND CONS OF CREDIT CARDS 178
Anticipating Rejection or Acceptance 181
 I Am So Grateful! 187

UNIT 15 PENTION FUND INDONESIA 193

Writing the Scholarship You Apply For 197
What Should I Do In Fellowship Interview? 200

UNIT 16 BPJS: INDONESIA‟S HEALTH SCHEME 208

How to Write a Motivation Letter That Stands Out 212
I am the Right Fit for This Scholarship 217

UNIT 17 HOW TO CONDUCT A FINANCIAL AUDIT 224

Writing the Country You are From 229
Dear Lecturer, I Just Sent You an E-Mail 233

UNIT 18 THE BASICS OF INVESTING 242

Writing Information about the New Study Places 246
Rescheduling Appointment 250

UNIT 19 ACTUARIAL SCIENCE OVERVIEW 255

Giving Suggestions 259
Do I Need to Attend Departure Training Here? 263

UNIT 20 CONSEQUENCES OF BANKING CRISES 272

Visa Application 276
Visa, Visa, Visa, What Should I Do? 284

UNIT 21 WHO OWNS ASIA‟S CAPITAL MARKETS? 292

Writing a List on What to Bring 295
Don‟t Miss The Flight! Don‟t Miss The Documents! 302

VII
UNIT 22 HOW DOES FOREIGN EXCHANGE TRADING
WORK? 307
Housing Application Form 311
Where Do I Live? 315

UNIT 23 WHAT IS GROSS DOMESTIC PRODUCT? HOW

IT AFFECTS YOU 321
Describing a University Directory 325
How Can I Know This is The Right One? 329

UNIT 24 HOW TO GET THE MOST OUT OF “PEGADAIAN” 335

A Permission Letter for Prayer Time 341
Can I Get My Privileges As An Overseas Students? (1) 345

UNIT 25 EDUCATION LOANS- INDONESIA 351

A Letter of Negotiation 355
Can I Get My Privileges As An Overseas Student? (2) 358

UNIT 26 AUSTRALIA AWARDS IN INDONESIA 365

Writing an E-Mail to a Counseling Center 368
Can I Get Any Help From The University? 373

UNIT 27 TAX SYSTEM OF INDONESIA 379

Writing Your Presentation 383
How Should I Start My Presentation? 387

UNIT 28 WHAT IS OTORITAS JASA KEUANGAN (OJK)? 394

Outline Your Idea 398
Well, This Is My Idea 406

BIBLIOGRAPHY 411
INDEX 419

VIII
 Objectives

After completing this unit, students are expected to master three

language skills:
1. Reading
 Students are able to find main ideas of the text.
 Students are able to find implicit information from the text.
 Students are able to explore the meaning of the keywords related
to the text.
 Students are able to find explicit information from the text.
2. Writing
 Students are able to write an auto-biography.
3. Speaking
 Students are able to practice a self-introduction in form of an
auto-biography.

1
2
 Unit 1

Before reading the text, discuss the following questions with your
friends.
- In your opinion, which one is better? Coins or banknotes/paper bill?
- Name the currency represented in the following symbols?
€ £ ¥ $ Rp K B
........ ........ .......... ......... ........... ......... ..........
- Draw other symbols of currency. Let your friends guess the names of
the currency.

Let’s read.

FACTS ABOUT MONEY

Money is such an interesting topic to discuss and to trace back since
nobody is not familiar with this thingy. The following paragraphs are
some facts about money.
Let‟s start with the first paper money in the world. Paper bills were
first used by the Chinese, who started carrying folding money during the
Tang Dynasty (A.D. 618-907) — mostly in the form of privately issued bills
of credit or exchange notes — and used it for more than 500 years before
the practice began to catch on in Europe in the 17th century. While it
took another century or two for paper money to spread to the rest of the
world, China was already going through a fairly advanced financial crisis:
the production of paper notes had grown until their value plummeted,
prompting inflation to soar. As a result, China eliminated paper money
entirely in 1455 and wouldn‟t adopt it again for several hundred years.
Another not-so-well-known fact: the word cash was originally used to

3
describe the type of round bronze coins with square holes commonly
used in the Tang Dynasty, called kai-yuans. Talking about the paper
money or bank notes, the largest bank notes is found at The Philippines,
the 100,000-peso note created by the government of the Philippines in
1998 is the largest bank notes in the world.
The second fact is about the symbol of dollar ($).No one knows the
origin of the dollar sign, but the U.S. Bureau of Engraving and Printing
has a pretty good guess. The government agency responsible for designing
and printing all those crisp dollar bills says the design, originally used to
denote Spanish and Mexican pesos, “PS ,” came to be written such that
the S was on top of the P. The symbol was widely used before the 1875
issue of the first U.S. paper dollar. And in case you never noticed, it
doesn‟t actually appear on U.S. currency at all.
The last but not the least fact is about the mystery behind of the
portrait of Her Majesty the Queen Elizabeth II in the currency of 33
different countries around the world from Australia to Trinidad and
Tobago. Canada was the first to use the British monarch‟s image, in
1935, when it printed the 9-year-old Princess on its $20 notes. Over the
years, 26 different portraits of Elizabeth have been used in the U.K. and
its current and former colonies, dominions and territories — most of
which were commissioned with the direct purpose of putting them on
banknotes. However, some countries, such as Rhodesia (now Zimbabwe),
Malta and Fiji, used already existing portraits. The Queen is frequently
shown in formal crown-and-scepter attire, although Canada and Australia
prefer to depict her in a plain dress and pearls. And while many countries
update their currencies to reflect the Queen‟s advancing age, others
enjoy keeping her young. When Belize redesigned its currency in 1980, it
selected a portrait that was already 20 years old.

Adapted from: time.com

Vocabulary list in context

adopt (v) : to choose to take up or follow
commonly (adv) : very often; frequently
entirely (adv) : completely

4
fairly advance(ed) (adj) : far enough on or ahead in development or
progress
issu(ed) (v) : to send formally out or make known
trace back (v) : to find or discover by investigation
prompt(ing) (v) : to cause

Task 1
Match these pictures with the words they represent.

Stockfresh.com istockphoto.com origami-instruction.com

(D) (....) (....)

A. Paper Bills/Bank Notes

B. Folding
C. Plummet
D. Coins
E. Square
etc.usf.edu clipart-library.com
(....) (....)

5
Task 2
Complete the following statements with information from the text
with no more than 3 words. Number one has been done for you.
1. When did Tang Dynasty start carrying folding money?
Answer: Tang Dynasty starts carrying folding money at A.D. 618-907
2. When did European start to use the paper bills system?
3. What happened when the production of paper notes grow in China?
4. Describe how kai-yuans looks like.
5. What country is stated to have the largest bank notes?
6. What does P originally symbolize?
7. How many countries does have HM The Queen Elizabeth II‟s portrait
in their currency?
8. What country did print its $20 notes with 9-year-old princess‟s
picture in it?
9. How old was the picture when Belize redesigned its currency in 1980?
10. When was Spanish and Mexican pesos symbol (P S ) been widely
used ?

Task 3
Match the following topic with the number of the paragraph in which
it is found.
No Topics Paragraph
1 Money is produced in some places. 2
2 The origin of dollar symbol is told.
3 People distributed the money.
4 Money developed in the early years.
5 Belize redesigned its currency.

6
Task 4
Read the text once again. Work in pairs and ask the following questions
to your partner. Check the answers whether they are true or false. If it
is false, state the correct answer.
No Questions Answers True/False
1 Who started using money in the Tang Dynasty T
world?
2 What is the fact about the symbol
of dollar?
3 Who is the lady whose picture is
always shown in most of the currency
in the world?
4 When did China completely
eliminate paper money?
5 What is the type of round bronze
coins with square holes commonly
used in the Tang Dynasty?

Let’s write.

AUTO-BIOGRAPHY
Auto-biography is a story about one‟s life written by the person. It is
typically written in the first-person point of view and uses pronoun “I”.
In auto-biography, such details are necessary to write as name, origin,
date of birth, achievements, etc. Here are some tips to write an auto-
biography:
a. Jot down the memories that remain most vivid in your mind
b. Review your note to see if there is a theme to your memories
c. Figure out how you want to organize your story. You can start the
story with a defining event or even start with the present and then
go back in time or organize your story according to themes

7
d. Talk to friends and family members to fill in memory gaps and to
gain different perspectives on your experiences
e. Once you start writing, write descriptively
f. Be honest

Study the example below:

Some of you might recognize me as the
“Oracle of Omaha,” while my real name is
Warren Buffett. I am a businessman. I was born
in Nebraska in 1930. I married Astrid Menks
Personal identity
as my longtime companion. I was previously
married to Susan Thompson from 1952 until
her death in 2004 though. Susan and I had three
children: Susan, Howard and Peter.
As for 2018, I have an estimated net worth of
$84 billion, and between 2006 and 2017, I have Activity
given away close to $28 billion in charity.
As business has been my interest since I
was very young, I formed Buffett Partnership
Ltd. In 1956, and by 1965 I had assumed Personal
control of Berkshire Hathaway. Overseeing the Interest/
growth of a conglomerate with holdings in the Achievement
media, insurance, energy and food and beverage
industries, I was declared as one of the world‟s
richest men and a celebrated philanthropist.
Adapted from biography.com

Task 5
Complete the following auto-biography.
My name is Charles Murphy. I was born in Korea on November
11, 1997. I had a very simple and happy childhood, and my only
(1). ................ , my younger Sister, would appear one year later after my
own (2) .................... Like my dad, I am introverted and am perfectly happy
8
watching quality (3). ..................... or using a personal
computer during my spare time.
I lived in Boston, Mass. For one year before I
came to Los Angeles, I lived in Van Nuys, and then
moved to Rowland Heights since my high school
(4)..................... .
Becoming a professional (5). ................... has
become my plan. I planned to work in the field of
investment banking.
Finally, it wouldn‟t hurt to travel to amazing (Dreamstime.com)
(6). ................. , continue to meet wonderful people,
finish my (7). .................... /graduate school and eventually meet the young
woman that the Lord has intended for me.
Education Games Banker Accountant Places
Movies Graduation Ceremony Sibling Birth

Task 6
Do the following instruction.
1. Write a short auto-biography about yourself by using the following
prompt.
Name
Age/Date of Birth
Origin
Things I like
Things I dislike
More about me
2. Rewrite your auto-biography in the form of paragraph.

9
Let’s speak.

IT’S ABOUT ME
When you meet your friends for the very first time, you possibly
do not have any idea about them, and neither do they. In this kind of
situation, introduction is very necessary so that you can get to know each
other. What information do you need to be informed in an introduction?
Here is an example of an introduction of a new student in front of the
class.
Hello, how‟s life? I‟m Alan from Indonesia. I‟m 28 years old, and
I‟m a banker. I work at World Bank of Germany. I have been working
as a banker for three years. I can speak three languages other than my
first language, Indonesian, including English, French, and German. I
was born and grew up in Indonesia, but my parents have taught me
English since I was five. My sister lives in France, so we often talk
to sharpen my French. In 2013, I had graduated from University
of Muhammadiyah Malang before I moved to Germany and I got
accepted with a condition which mentioned that I need to improve
my German. Thank you so much for having me here. I hope we can
be good friends.

Task 7
Do the following instructions.
Who am I?
 Get a piece of sticky paper.
 Write down a name of an economist on that piece
of paper.
 Stick the paper on your friend‟s back.
 Try to find out who you are by asking people (Videoblogs.com)
around using
yes/no questions. (e.g: Am I a woman?; Am I an Indonesian?; )
 Present yourself in front of the class once you find out who you are.

10
Task 8
You are my partner.
 Find a partner.
 Ask your partner about the following information.
- origin - favorite meal
- date of birth - parents‟ job
- age - favorite TV show/movie
- number of languages mastered - dreamed job
- place of birth - sibling
- favorite color and public figure

 Find out whether you have similar information as your partner does.
Jot down on the following table to help you.
Tick
No Descriptor Information
Similar Different

 Present your result in front of the class.

“Dream, believe, and make it happen”

-Agnes Monica-

11
 BIBLIOGRAPHY

123RF.com
123rf.com
360logica.com
aliexpress.com
aries-project.eu
askideas.com
autodesign.com
balijobs.com
bilgilizce.com
biography.com
blockchainindustrygroup.org
brettonwoodsproject.org
Broodle.com
cargebeya.com
cartoonstock.com
Cenrin.com
city-press.news24.com
clipart-library.com
cna.plus.com
creativemarket.com
DCemploymentsolicitors.com
depositphotos.com
dhakatribune.com
DigitalSenior.com
discoversg.com

411
dreamstime.com
economicshelp.org. 2017 .How do Increase The Value of Currency
empireatmgroup.com
en.saif.sjtu.edu.cn
en.wikipedia.org
english.pku.edu.cn
es.123rf.com
esllibrary.com
etc.usf.edu
etsy.com
facebook.com
faktakampus.com
forbes.com
forumancientcoins.org
fotosearch.com
freedesingfile.com
freepik.com
Gerai-kredit.com
glasbergen.com
google.com/sides
googleplay.com
greatcollegeadvice.com
http://britishcourse.com
http://ecs.ihu.gr
http://lifehacker.com
https://businessjargons.com/virtual-banking.html
https://dfat.gov.au/geo/indonesia/development-assistance/Pages/
australia-awards-in-indonesia.aspx
https://en.tempo.co/read/920738/bank-indonesia-to-keep-current-
account-deficit-below-3-percent
https://www.indonesia-investments.com/finance/tax-system/item277
https://www.investopedia.com/terms/i/inflation.asp

412
https://www.iwu.edu/math/ActuarialScienceOverview_DerekEngland.pdf
https://www.researchgate.net/publication/4847385_Does_Internet_
banking_substitute_traditional_banking_Empirical_evidence_
from_Italy
https://www.semanticscholar.org/paper/THE-USE-OF-ELECTRONIC-
MONEY-AND-ITS-IMPACT-ON-Popovska-Kamnar/8226d48116a
d5bb9107ee88c3a0138d805539f72
https://www.ssa.gov/policy/docs/progdesc/ssptw/2016-2017/asia/
indonesia.html allangrayorbis.org
https://www.thebalance.com/how-does-foreign-exchange-trading-work-
1345162
https://www.thebalance.com/investing-basics-6-different-types-of-
investments-4056847
https://www.thebalance.com/pros-and-cons-of-credit-cards-960222
https://www.thebalance.com/the-purpose-of-the-world-bank-3306119
https://www.thebalance.com/what-is-gdp-definition-of-gross-domestic-
product-3306038 sydney.edu.cau
https://www.youtube.com/watch?v=xldD4zF0bMk
id.wikipedia.org
imandiri.id
impactbnd.com
indonesiaeducation.info
inet.detik.com
ingilizcebankasi-com
istockphoto.com
jantoo.com
javatpoint.com
jurnalapps.com
katadata.co.id
Kathmandu.com
Keepo.me.com
kisspng.com
Kupastuntas.com
413
lovindubai.com
megapixel.com
Merdeka.com
military.com
moneycontrol.com
msr7.net
myhomedesign.com
myplacers.com
ocw.mit.edu
onlinecurrencytrading1.com
origami-instruction.com
oyaop.com
personalloans12now.com
photonicsgr.com
picc.perbanas.id
pinterest.com
Pixabay.com
pixtastock.com
pngkey.com
pngtree.com
prithvi-geo.in
qazibloggerbull.blogspot.com
qr-code-generator.com
qz.com
realpict.com
republika.ac.id
sapawarga.com
seattletimes.com
seek.co.nz
selflender.com
Shutterstock.com
shutterstock.com
414
singleply.co.uk
slideplayer.com
smallbusiness.chron.com
solopost.com
stock.adobe.com
stockfresh.com
storyblocks.com
study.com
takshashila.org
teach-this.com
telegraph.co.uk
thecontentauthority.com
time.com
toonpool.com
topcv.com
twitter.com
vectorstock.com
videoblogs.com
wemakeresearcher.com
wikihow.com
workable.com
worldartsme.com
www. m.wikihow.com/Write-a-Speech-Outline
www.123rf.com
www.abacuinstitute.ac.nz
www.adrcanada.com
www.allthingsannuity.com
www.annafora.com
www.blogromeltea.com
www.bramastana.com
www.cansockphoto.ie
www.capitaluniversity.com
415
www.cartoonstock.com
www.cater4you.co.uk
www.chinadaily.com
www.clfportal.com
www.clipart101.com
www.clipartemail.com
www.clipartguide.com
www.cliplibrary.com
www.colourbox.com
www.company Profile Examples: Make a powerful impact.
www.creativemarket.com
www.dailypakistan.global.com
www.designdroide.com
www.dreamstime.com
www.effectpartners.com
www.electronicspectrum.com
www.esiafrica.com
www.facebook.com
www.flickriver.com
www.fool.com
www.freedownload.net
www.google.com
www.guildofblogger.com
www.hasdk.com
www.impactblog.udemy.com
www.kisspng.com
www.love8designwall.ml
www.loyaltilobby.com
www.macrumors.com
www.mbaratna.com
www.medium.com
www.newsx.com
416
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www.omero.com
www.peopleinsurance.com
www.pikeview.com
www.pluspng.com
www.pngall.com
www.qns.com
www.researchgate.com
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www.seattletimes.com
www.shutterstock.com
www.theeconimictimes.com
www.theswcsum.com
www.twitter.com
www.uptv.com
www.vector.com
www.vectorstock.com
www.vexels.com
www.vocabulary.com
www.wikiclipart.com
www.wikihow.com
www.wikipedia.com
www.woman.com
www.worldartsme.com
www.youtube.com/watch?v=CMIXAqAy5HE&t=64s
yayasantaalim.com
yesebt.com
yourarticlelibrary.com
youtube.com
zazzle.com

417
418
 INDEX

A Breakthrough : 16
Accrue : 194 Broker : 308
Acquire : 96 C
Adherence : 96 Capital : 292
Adopt : 3 Cater : 352
Advanced : 193 Closure : 352
Adverse : 256 Collateral : 318
Allocation : 322 Commonly : 4
Anew : 166 Compatibility : 150
Apt : 352 Compliant : 96
Artisan : 113 Comply : 379
Assist : 113 Concern : 59
Assistance : 365 Concession : 380
Attain : 352 Concurrently : 256
Attempt : 44 Conquer : 166
Auction : 318 Convenience : 150
Authorize : 16 Cooperate : 72
Avail : 351 Corpse : 193
B Credible : 58
Barely : 166 D
Be (are) Subject to : 224 Dead end : 318
Bis : 72 Debt : 292
Bond : 242 Demand : 59
Boost : 243 Demand-pull : 28
Breach : 150 Deposit : 138
419
Deposits : 114 Entity : 96
Depreciation : 58 Establishment : 193
Desire : 151 Exacerbate : 257
Determine : 322 Exceed : 114
Discourage : 256 Expansionary : 44
Discrepancy : 224 Expenditure : 321
Discretionary : 28 Expense : 178
Disputes : 126 Expense : 225
Dispute : 318 Expertise : 126
Distinctive : 256 F
Diversify : 243 Fairly advance : 3
Downside : 178 Firma : 256
Drawback : 243 Fiscal : 28
Drawback : 58 Fluctuate : 308
Drawdown : 194 Foreign : 321
Dubious : 225 Fortunate : 192
Dumping Ground : 292 Foster : 366
Duty : 380 Fraud : 178
E Fraudulent : 179
Eke : 166 G
Eligibility : 192 Generous : 256
Eligible : 366 Grace : 318
Emerge : 125 Grant : 126
Empowerment : 365 Grant : 114
Encourage : 97 Gross : 72
Encrypt : 150 H
Endure : 307 Hand : 292
Enhance : 366 Hassle : 150
Ensure : 96 Households : 166
Entail : 292 I
Entirely : 3 Impending : 44

420
Inadequate : 166 Offering : 83
Incompatible : 84 Overhead : 138
Increase : 57 Oversee : 376
Incur : 138 Overtake : 138
Inevitable : 16 P
Ingenious : 292 Particular : 83
In-person purchase : 178 Peg : 44
Inseparable : 96 Pension : 193
Insurmountable : 256 Permit : 84
Interference : 376 Pertinent : 376
Internship : 256 Pervasiveness : 84
Issue : 3 Pip : 308
Issuer : 15 Postpone : 352
L Precede : 366
Least : 192 Precise : 15
Ledger : 224 Premise : 138
Leverage : 256 Preserve : 377
Liability : 225 Preventive : 192
Loans : 114 Prompt : 3
M Propriety : 376
Make up : 126 Protectionism : 72
Measures : 321 Provident : 194
Monetary : 29 Provision : 380
Mortgage : 28 Provision : 84
Mutual : 322 Purchase : 27
Mutual fund : 243 Q
N Quarter : 322
Nix : 178 R
O Real estate : 243
Obligation : 380 Reasonably : 58
Obtain : 150 Recession : 44

421
Redeem : 318 T
Reduction : 126 Temptation : 178
Regulate : 193 Tertiary : 366
Reimbursement : 192 Toll : 292
Remain : 44 Trace back : 3
Repayment : 351 Trade(Ing) : 307
Repercussion : 256 Trigger : 28
Resident : 380 V
Resilience : 377 Valuation : 318
Retiree : 192 Virtual : 138
Retirement : 193 W
Revenue : 256 Withdraw : 138
Reverse : 44 Worth : 308
Rigorous : 256
Root : 16
Rural : 113
S
Scam : 308
Scrapping : 380
Severe : 84
Shed light on : 224
Shrink : 73
Simultaneously : 256
Spur : 126
Stem : 377
Stock : 242
Substitute : 16
Succeed : 72
Surpass : 166
Sustain : 73

422