Unit three

new vobaularies from the passage and write:

1. Essespecialy
2. Plantation
3. Throughtout
4.

Expand your knowledge

Mobile Banking on the Increase in Developing

Countries

Mobile banking is becoming more and more popular in coutries of the

third world. While in developed countries almost all people have bank
account, only a small part of the population in underveloped countries
has access to banks.

In mobile banking, a person who wants to send money does so by

sending the amount via text to the receiver’s phone number. The
person who receives the money goes to an authorized local shop and
withdraws the cash.

There are many examples of mobile banking in the third world.

Hospitals in Tanzania send money to women so that they can pay for
the bus fare to the hospital. In Afghanistan, the government pays its
policeman by monile phone. Coffee plantation owners in East Africa
send workers their money via text.

Mobile banking has become popular where there are few banks but
where most of the people have a mobile phone. The potential market
is esespecially large in south America where only 35% of the people
have bank accounts but 90% have mobile phones.

Many mobile phone companies are taking over banking service in

underdeveloped countries. In the last two years, almost one million
people in six African countries hope save signed up with European
mobile operator orange. In Kenya and Tanzania, British operator
Vodaphone has 20 million customers who send money to other people
in the country and abroad.

In Pakistan, Norwegian mobile phone company Telenor has been

offering mobile banking since 2008. People can withdraw money at
almost 11,000 shops throughtout the country. Pakistan itself has only
alittle over 8,000 banks. Money transfers are limited to $120, with
Telenor taking 5% of the amount.

The number of mobile banking customers is expected to rise in third

world countries from currently 60 million to almost a billion in 2015.
Over 80% of these costumes live in Latin America, Africa, and Asia.

In the developed world mobile banking has not become a most

customers have bank accounts and transfer their money via internet
banking. As more and more Americans and Europeans buy
smartphones mobile banking will probably increase.
It’s time to speak up

WHAT DID YOU DO?

Read and learn this conversation

Dialog 1

Brian : Brenda, I didn’t see you in Peter’s party last week.

Brenda : Yup. I didn’t go there.
Brian : Wow, Surprising because Peter is your close friend.
Brenda : He is, but I had to go to Surabaya.
Brian : What for?
Brenda : My sister had graduation ceremony and she asked me to
come.
Brian : I see. Did you meet your big family?
Brenda : No. I met my father only because only my father and I
could attend it.
Brian : Your sister might have been sad.
Brenda : I don’t think so. She was happy because she finally
finished her study.
Brian : Great.

Dialog 2

Ann : Hey, Brian. Have you ever been to Bali?

Brian : No, I haven’t. Is it a nice place?
Ann : Trust me, you’ll love it. This city is not only rich in culture
but also has beautiful beaches.
Brian : Really? Which is the best between Bali and Phuket?
Ann : I’ve been to both places and I have to say that Bali is better.
Brian : I see. Maybe I should go there for my next vacation then.
Ann : You definitely should
Brian : What do you think of other destinations in Asia?
Ann: I have traveled to many Asian countries from Thailand,
Vietnam, and Malaysia to Indonesia but still think that Bali is the
best destination
Brian : I’ll keep that in mind. Thanks for the recommendation,
Ann.
Ann : You’re welcome. Have a nice day!

Dialog 3

Jane : Hey, Rose. Are you ready to go to the school party?

Rose : No, I’m not ready yet. I don’t know what to wear to the
party.
Jane : Well, you should wear something that you feel comfortable
in.
Rose : I don’t know… I don’t want to look like a dork. Could you
please come and help me?
Jane : You look great in that green dress!
Rose : I know, but It looks weird paired with a black handbag.
Jane : Neither black nor brown goes well with green, so you
should avoid those colors.
Rose : Well, what about this navy handbag?
Jane : Both those Navy blue and gray handbags are good options.
Rose : Okay, I’ll go with the navy handbag then. Thanks for your
help, Jane!
 Let’s learn

conjunction

Conjunction is a conjunction that is used to join words, phrases, or

clauses into one.

Conjunctions in English are divided into three, namely:

1. Coordinating conjunctions
2. Subordinating conjunction
3. Correlative conjunction

Types of Conjunctions Based on Function

Based on function, there are two types of conjunctions, namely
coordinating conjunctions and subordinating conjunctions. What is
the difference?

1. Coordinating Conjunctions
This type of conjunction is used to combine two grammatically
equivalent sentences. This means that, grammatically, the two
sentences are the same.
Interestingly, examples of this type of conjunction word are often
abbreviated with the mnemonic acronym (donkey bridge), namely
FANBOYS.
F FOR
A AND
N NOR
B BUT
O OR
Y YET
S SO

The following are examples of coordinating conjunction sentences in

English.

1. I love chocolate and ice cream

2. I have a test tomorrow, so I have to study hard

2. Subordinating Conjunctions
This type of conjunction is used to combine a dependent clause
that cannot stand alone with the main clause.

Simply put, one of these sentences is strange and difficult to

understand its meaning when it stands alone. Examples of words
from these subordinating conjunctions include after, like, before,
then, because, since, where, when, who, and so on.
Below are some examples of subordinate conjunction sentences.

1. I need to take a shower before going out

2. When I arrived, I saw a snake on my coffee table.
 Types of Conjunctions Based on Form
The types of conjunctions, apart from being based on function, can
also be grouped according to their form, namely single word,
compound and correlative.
Single Words

As the name suggests, this type of conjunction consists of just one

word. Examples include but, and, because, although, and so on.

The following is the use of conjunctions in sentences.

1. I was late because the traffic was so bad (I was late because of the
bad traffic jam).
2. She went to the beach although the sky was gray (he went to the
beach even though the sky was cloudy).

1. Compound
Different from single words, compound conjunctions consist of
more than two words. For example, as if, as long as, provided that,
in order that, so that, and so on.

If you look closely, this compound conjunction often contains as or

that. Here's how it's used in a sentence.
1. The dog ran as soon as it saw the cat (the dog ran as soon as he
saw the cat).
2. He can come provided that he won't cause any troubles (he can
come provided he won't cause any trouble).

2.Correlative Conjunctions
Like compound conjunctions, correlative conjunctions are also
more than two words. The difference is, this form of conjunction is
separate. What do you mean by that?

Like conjunctions in general, correlative conjunctions also

combine words, phrases and clauses. So, this conjunction form is
always paired but separate, as in the example below.

1. I like either ice cream or cake

2. He is not only smart, but also good looking
Some examples of correlative conjunctions in English include not
only ... but also, either ... or, neither ... nor, and so on.

3. Correlative Conjunctions
Like compound conjunctions, correlative conjunctions are also
more than two words. The difference is, this form of conjunction is
separate. What do you mean by that?
 Like conjunctions in general, correlative conjunctions also
combine words, phrases and clauses. So, this conjunction form is
always paired but separate, as in the example below.

1. I like either ice cream or cake (I like both ice cream and cake).
2. He is not only smart, but also good looking (he is not only
smart, but also handsome).
Some examples of correlative conjunctions in English include not
only ... but also, either ... or, neither ... nor, and so on.

Examples of Conjunctions
The following are examples of conjunctions based on the
groupings we discussed earlier.

o Dinda and Riko will visit their grandmother next week.

o He should choose where he will spend the holiday,
Bali or Yogyakarta.
o I want to drink coffee, but at the same time, I want to eat durian
too.
o I have an exam next week. I don’t want to fail. So, I will study
hard.
o I like Atar for he is very humble and friendly.
o Lucy tries her best to be kind to him, yet he still hates her.
o Jennie can’t come to my birthday because she has another job to
do.
o I liked to ride my bicycle when I was eight.
o I work till evening.
o I don’t eat at restaurants since I want to save money.
o I still helped him although he was mean to me.
o David talks as if he knows everything.
o Eve is very short whereas her sister is very tall.
o Don’t call me unless it is very important.
o Karina waits for Ningning until midnight.
o I like fried chicken as much as I like steak.
o She said yes as soon as he asked her to marry him.
o You can come as long as you behave well.
o Let me know if you’re interested in music.
o You can pass the test provided that you study hard.
o Jessi is a korean singer who can rap very well.
o I will come after I finish my work.
Change into positive and negative sentence!
1. I came there yesterday.
I did not come yesterday.
Did I come there yesterday?
2. You talked too much.
………………………………….
………………………………….
3. I was a student.
………………………………….
………………………………….
4. They gave me a good chance.
………………………………….
………………………………….

5. She gave up on you.

………………………………….
………………………………….
 Write a paragraph about your most
unforgettable story in your life!

..