3. Write the negative of each sentence in exercise 2. a) I don't listen to pop music. b) c) d) e)

A bank was originally ..a. bench set up in the marketplace for ... exchange of money. In a commercial sense, a bank is .an.. establishment where money is received on
deposit to be repaid on demand or at notice, as may be arranged, and where
loans are negotiated, bills discounted, and general financial business
transacted. The main functions of..a. modern commercial bank are:
• to receive money on current accounts repayable on demand, or on deposit
accounts repayable subject to an agreed notice;
• to lend money by granting loans and  overdrafts or discounting bills
of exchange and promissory notes.
Apart from these two chief functions – linking up lenders and borrowers of
capital – the bank performs many other functions:
• .obtaining and giving information as to the financial standing of
customers:
• transferring funds for  payments or  investments;
• making foreign currency transactions;
• issuing letters of credit, drafts and travellers' cheques;
• undertaking duties of. agents, trustees and guarantors;
• performing leasing and factoring operations and others.
A very important part of any efficient banking system is an interbank market.
Some banks get more  deposits than requests for loans, and vice versa. The
interbank market smoothes out these imbalances by providing a way for a bank
with too many deposits to pass them on toa bank with too many loan requests.
In London there are different interbank markets for different currencies and for deposits with different maturities. Of these, the Eurodollar interbank market is particularly important, and LIBOR (the London interbank offered rate) is the key dollar rate for all the world's international borrowing and lending.

Although Scotland apply to the United Kingdom, it still represents a separate country. Along the West coast of Scotland are Hebrides is the largest archipelago in the North-East of Scotland region are the Shetland and Orkney. In a country often there are swamps and rocky hills, and in Western and Central regions dominated by mountains. The highest point is mount Ben-Nevis, located in the Grampian mountains. Its height reaches 1343 meters. Some other peaks reach elevations higher than 1200 metres. In Scotland is also about 300 of vertices, the height of 900 meters.