Task 4. Look at these sentences and say where omitted relative pronouns can be inserted

1. Interest you earn on your balance is also added to your account.

2. They make money on the interest they charge on loans because that interest is higher than the interest they pay on depositors’ accounts.

3. The interest rate a bank charges its borrowers depends on both the number of people who want to borrow and the amount of money the bank has available to lend.

4. As we mentioned in the previous section, the amount available to lend also depends upon the reserve requirement the Federal Reserve Board has set.

5. Therefore, the riskier the loan the higher the interest rate the bank charges.

6. The most common type of account, and probably the first account you ever had, is a savings account.

7. This is another common account most everyone has.

8. The state charters and federal charters typically do not differ too much in the way the bank conducts business.

9. The important thing is to carefully select these partners and make sure they are team players, have the experience and know-how to help you make the bank work, and can withstand (both professionally and personally) the close scrutiny of the regulatory investigation.

10. The number of directors you must have varies from state to state.

11. There is still the need to make sure a stable and safe financial environment is maintained.

12. This will help make sure that you have all of the information you need to file.