Banking products
1) my salary is paid directly into a low-interest current account. i can withdraw money from automatic cash dispensers with a cashcard, so i hardly ever actually go into a bank. i pay regular, monthly bills by way of a standing order*: the bank pays them according to my instructions, and debits my account. i pay irregular bills by cheque. nearly everyone i know in britain has a chequebook, but when i lived on the continent, i found that people hardly used them. they often paid cash, or paid bills at a post office with a paying-in slip.
2) i also have a credit card, which is useful for ordering things by post or on the telephone, and for travelling worldwide. i also use it in shops and restaurants, but try not to spend more than i can pay when the bill comes a month later, as this is a very expensive way of borrowing money. the annual interest is exorbitant - well over 20%.
3) some years ago i had a deposit account in a building society which paid higher interest than the current account at the bank, but had restrictions as to how and when i could withdraw my money. but then we bought a flat. i got a 90% mortgage from the building society: i.e. we had to pay a deposit of 10% with our own savings.
4) that is why i have no more money and no more deposit account. in fact i have arranged an overdraft with the bank, which means i can occasionally withdraw more money than is actually in my account. interest is calculated daily. last year i asked the bank for a loan to buy a car. i (only! ) wanted two months' salary, but they refused. since i don't like the high interest rates that the garage's hire purchase people charge, i bought a cheap second-hand car instead.
5) i always use the bank to buy foreign currency when i go abroad, because their rates are better than the bureaux de change**. i don't like travellers' cheques, and i've never had my money stolen-yet.
6) my bank is also always trying to sell me a private pension plan, but i'm not interested. they also keep offering me investment advice about shares, bonds, unit trusts, mutual funds, and so on. they don't seem to realize that if i could afford to buy all these things, i wouldn't need an overdraft.

* постоянное поручение (распоряжение, выданное клиентом банку).
** (фр.) бюро обмена валюты.

выпишите из текста и переведите 5 предложений с глаголом have в функциях:

а) смыслового глагола, который переводится «иметь»
1) в present indefinite tense; 2) в past indefinite tense.
например:
royal bank has assets of 20 billion pounds — королевский банк имеет активы в 20 миллиардов фунтов стерлингов.
i have a barclays student bank account — у меня есть студенческий счет в барклай банке.
our company had a lot of debts some years ago — наша компания имела много долгов несколько лет назад.

b) модального глагола, который переводится «должен», «при-ходиться».
например:
every year we have to fill in a form for the tax office about our income — каждый год мы должны (нам приходиться) заполнять декларацию для налоговой инспекции о наших доходах.

c) глагола для образования present perfect tense.
например:
interest rates have just started, to fall — процентные ставки только что начали падать.