reading toeic

Older adults, those over 65, at all income levels, are the least likely to bank online. A representative for the American Association of Online Bankers says banks ________ their customers to bank online, “because online banking is much cheaper for banks to provide than traditional in-perso teller services.”

• to encourage

• encouragement

• are encouraging

• have been encouraged

A total of 33.2 million American households are currently banking online. Young adults ages 24 to 35 with household incomes of $75,000 or higher are most likely to do their banking online. Today, nearly _________that group (48 percent) views bills online, and 46 percent pays bills online.

• half

• twice

• double

• two times

The number of American households doing their banking online grew by 39.2 percent last year. Experts predict that number to increase by a _________ 22.5 percent this year, and another 17.6 percent the year after

• more

• larger

• further

• superior

LightWorld is interested to hear from you if you would like to open your own ________ of if you would like to run a LightWorld network within your own country or territory.

For more details about this offer or more about our company, please email [e-mail].

• opening

• light

• outlet

• setting

LightWorld is a market leader in providing lighting solutions for the home and office ________ are practical, stylishly designed, and economical.

• that

• who

• these

• whose

TEXT 4

BUSINESS OPPORTUNITIES WORLWIDE

LightWorld was established in the U.K. in 1997 and has _________ grown into an international franchising network of over 50 stores in eight countries.

• while

• for

• after

• since

________all of this, of course, Madrid remains one of the world’s great cultural cities, offering any and every form of culture and entertainment. Just one more reason to reconsider Madrid.

• Meanwhile

• However

• In addition to

• Unless

Add to this, excellent infrastructure and first-class hospitality and it’s easy to see why the city is now host to some of the world’s -------------- important trade fairs.

• more

• most

• best

• much

From cutting-edge IT start-ups to well-established corporate finance institutions. In its new role as innovation hub of Europe, Madrid today boasts several world-class conference __________.

• calls

• tools

• facilities

• localities

TEXT 4

MADRID - THE PLACE TO BE

Madrid is fast becoming one of Europe’s most important business center. Many of the continent’s most innovative companies and dynamic businesses are already located here. Many more are joining __________,

• it

• them

• those

• that