TOEIC Listening Part 3: Conversations - Exercise 7

Questions 1-3

Narrator: Questions 1 through 3 refer to the following conversation.

Man: Hi, I'd like to discuss options for a small business loan. I own a bakery on Main Street, and I'm looking to expand into the space next door.

Woman: Of course, I'd be happy to help. Have you applied for a loan with us before?

Man: No, this is my first time. I've been in business for five years, though, and things have been going well.

Woman: That's great to hear. I've pulled up your file, and your credit history looks solid. The only thing we're missing is your tax documentation. We'll need your returns from the last two years before we can process the application.

Man: I should have those at home. Can I bring them in tomorrow?

Woman: Absolutely. Once we have those on file, we can move forward with the approval process. It usually takes about a week after that.

Questions 4-6

Narrator: Questions 4 through 6 refer to the following conversation and account information.

Woman: Good afternoon. How can I help you today?

Man: Hi, I'd like to open a savings account. I've just received an inheritance, and I want to put about six thousand dollars somewhere it can earn a decent return.

Woman: Congratulations. We have several options depending on your needs. Are you looking for the highest interest rate, or is avoiding fees more important to you?

Man: Ideally both. I don't want to pay a monthly fee if I can avoid it, but I'd also like to earn as much interest as possible.

Woman: Well, with a balance of six thousand, you'd actually qualify for a fee waiver on one of our premium accounts. That would give you a better rate than the basic options without any monthly charges.

Man: That sounds perfect. Let's go with that one.

Questions 7-9

Narrator: Questions 7 through 9 refer to the following conversation.

Woman: Have you seen the electricity bill for this month? It's almost double what we normally pay.

Man: Double? That can't be right. Let me have a look. Wow, you're not exaggerating. What could have caused such a big spike?

Woman: I've been trying to figure that out. The only thing I can think of is the holiday weekend. The office was closed for four days, but I don't think anyone turned off the heating before they left.

Man: That would explain it. The system probably ran the whole time trying to keep the building warm when no one was here.

Woman: We really need to set up a reminder or a checklist. Something to make sure everything gets switched off before long weekends.

Man: Agreed. I'll send out a memo to all department heads about it.

Questions 10-12

Narrator: Questions 10 through 12 refer to the following conversation.

Man: Hi, I'm returning this rental. Here are the keys. But before you check it in, I need to tell you about something. There's a scratch on the driver's side door.

Woman: Thank you for letting me know. Let me pull up your rental agreement and take a look at the initial inspection report.

Man: I'm pretty sure it was already there when I picked it up, but I didn't notice it until I was loading my luggage this morning. I'm worried you might think I caused it.

Woman: Let's see... Yes, here it is. The scratch was documented when the vehicle was checked out to you. It's noted right here with a photo. So you won't be charged for it.

Man: Oh, that's a relief. I was getting a bit nervous about that.

Woman: No need to worry. Everything looks fine. I'll just process the return, and you'll receive your deposit back within three business days.