Đề thi thử TOEIC Reading số 3

To: All Account Holders
From: Member Services, Brightwater Credit Union
Subject: Changes to your savings account
Date: November 12

Dear Member,

Beginning January 1, Brightwater Credit Union will 131 a new tiered interest structure for all savings accounts. Members who keep a balance of $5,000 or more will earn a higher rate. 132

In addition, monthly maintenance fees will be 133 for members who set up direct deposit. Statements will also be delivered electronically by default. We understand that some members prefer printed documents. 134, paper statements will remain available on request at no charge.

If you have questions, please visit any branch or call us at 555-0126.

Sincerely,
Brightwater Credit Union

MEMO
To: All Employees
From: IT Services
Date: October 3
Re: Scheduled system migration

On the weekend of October 18 and 19, IT Services will move the company’s customer database to a new cloud platform. To ensure a 135 transition, we ask that all employees save their work and log out before leaving on Friday, October 17.

Between 6 P.M. Saturday and 6 A.M. Sunday, the client portal and the e-mail system 136 unavailable. 137 The help desk will monitor the process and post updates on the intranet every two hours.

We apologize for any 138 this may cause and thank you for your cooperation.

Saffron & Salt Catering

Planning an office party or a wedding reception? Saffron & Salt has been 139 memorable events across the Greenvale area for more than a decade. Our chefs prepare every menu from scratch using seasonal ingredients from local farms. 140

Book before March 31 and receive 10 percent 141 your total bill. Tastings 142 by appointment only, and a deposit is required to confirm any booking.

For a free quote, call 555-0148 or visit saffronandsalt.example.

Riverbend Clinic to Offer Evening Appointments

RIVERBEND (March 5) — Riverbend Family Clinic announced on Tuesday that it will begin offering evening appointments on April 1. Patients will be able to book visits 143 the clinic’s website or by phone.

The new hours will 144 with the arrival of two additional physicians, who join the staff next month. Dr. Amara Nwosu, the clinic’s director, said the change was long overdue. 145

Most major insurance plans 146 at the clinic, and patients without coverage may request a payment schedule.

Basil & Brine Kitchen — Winter Hours and New Lunch Menu

Starting December 1, we will be open Tuesday through Sunday from 11:30 A.M. to 9:00 P.M. We will be closed on Mondays.

New lunch special: a cup of soup and a half sandwich for $11.50, served from 11:30 A.M. to 2:00 P.M., Tuesday through Friday.

Parties of ten or more must book by telephone at least 48 hours in advance; we are unable to accept large-group bookings online. Gift cards purchased before December 24 include a free dessert voucher.

To: Rosa Delgado <[email protected]>
From: Hugh Barrow <[email protected]>
Date: June 9
Subject: Your equipment loan application

Dear Ms. Delgado,

Thank you for meeting with me last week. I am pleased to tell you that your application for a $60,000 equipment loan has received preliminary approval. The loan carries a fixed annual rate of 6.2 percent over five years.

Before we can finalize the loan, we need two more items: your business tax returns for the past two years and a written price quote for the ovens you plan to purchase. You may upload both documents to our secure portal or bring them to the Dunmore branch. Please note that the offer will expire on June 30 if we have not received them by then.

Once your file is complete, closing usually takes about three business days, and the funds can be transferred directly to your supplier. Please call me with any questions.

Sincerely,
Hugh Barrow
Commercial Lending, Cedar Ridge Bank

Software Expo Returns to Bellmont

BELLMONT (August 20) — The twelfth annual Northgate Software Expo will open at the Harbor Convention Center on September 14, bringing together more than 150 vendors. Organizers expect 8,000 visitors over three days, up from 6,500 last year.

New this year is “Start-up Alley,” where ten young companies will present their products free of charge. The participants were chosen from 90 applicants by a panel of industry professionals. Keynote speaker Marguerite Lund, founder of Lumen Data, will talk on Thursday morning about how small firms can manage cybersecurity risks.

Admission is $25 per day, but visitors who register online before September 1 pay only $15. Shuttle buses will run from Bellmont Central Station every 20 minutes.

Aldermere Health Cooperative — Claim Reimbursement Form

Pacific Finance Leaders Forum — Thursday, May 22

Session handouts will be available on the forum app beginning May 20.

Marigold Terrace — ★★★☆☆ “Good food, slow service”

Posted by Linh N. on March 11

We celebrated my sister’s birthday at Marigold Terrace last Saturday. The grilled sea bass was excellent, and the staff decorated our table with balloons, which was a lovely surprise. However, we waited almost 40 minutes for our appetizers even though the dining room was only half full. When I asked, our server explained that the kitchen was short-staffed. I would return for the food, but I hope the restaurant will hire more help.

Response from Owen Park, General Manager

Dear Linh, thank you for choosing Marigold Terrace for your sister’s birthday, and please accept my apology for the delay. Two cooks were out sick that evening, and we should have informed guests at the door rather than after they had waited. We have since hired two part-time cooks, and beginning next month we will send text alerts to waiting diners with their estimated time. Please accept a complimentary dessert platter on your next visit; just show this message to your server.

To: All Sales Staff
From: Accounting Department
Subject: Switch to Expenzo

Starting July 1, the company will replace its paper expense forms with Expenzo, a mobile application. [1] Employees can photograph receipts with their phones, and the application will sort them by category automatically. [2] Reports submitted by the fifth of each month will be reimbursed by the fifteenth. Reports submitted after the fifth will be paid in the following month’s cycle. [3]

Training sessions will be held on June 18 and June 20 in Conference Room B. Attendance at one session is mandatory. Employees who cannot attend either session should contact Ms. Ahn in Accounting. [4]

Quillon to Acquire Verdane

TORRANCE (October 6) — Quillon Systems, a maker of accounting software, announced on Monday that it will acquire Verdane Software for an estimated $48 million. [1] Verdane, founded eight years ago by engineer Lucia Ferrante, specializes in tools that help small clinics manage appointments and billing. [2]

Quillon said it will keep all 120 Verdane employees and maintain the Verdane brand for at least two years. “Verdane’s customers are loyal, and its products complement ours,” said Quillon chief executive Bernard Aoki. [3]

Analysts welcomed the news, although some noted that merging the two companies’ systems could take longer than expected. Pending approval by regulators, the deal is expected to close in the first quarter of next year. Ms. Ferrante will remain as head of a new health-care division. [4]

Lakeside Family Clinic
14 Orchard Lane, Dunmore
October 20

Dear Patient,

[1] Effective January 1, Lakeside Family Clinic will no longer belong to the Meridian Care network, because our contract with the insurer ends on December 31. [2] Patients with Meridian plans may continue to be seen here, but their visits will be billed as out-of-network and may cost more. [3] We are, however, joining the Evergreen Health and Cascade Mutual networks. If you would like to change plans, open enrollment ends on November 30. [4]

Our front-desk staff can help you compare plans. Please call 555-0177 on weekdays between 8 A.M. and 5 P.M.

Sincerely,
Dr. Imani Walker, Medical Director

To: Pablo Ruiz <[email protected]>
From: Naomi Kessler <[email protected]>
Date: September 2
Subject: October 21 annual meeting

Dear Mr. Ruiz,

Thank you for your proposal. We would like to proceed with Package B for our annual meeting at Lakeview Hall on October 21. Our headcount is currently 180, but we expect up to 20 more people once registration closes on October 7. I will confirm the final number by October 10.

Please change the lunch main course from beef to a vegetarian dish, as several members have requested it. We would also like coffee service to be available all day rather than in the morning only. I understand this may affect the price, so could you send a revised invoice? Please note that the hall’s kitchen is open from 6 A.M., and your staff may begin setting up at that time.

Regards,
Naomi Kessler, Events Coordinator
Ridgeway Medical Association

Harvest Table Catering — Invoice #2218

Date: September 5  |  Client: Ridgeway Medical Association  |  Event date: October 21

A 25% deposit is due upon approval of this invoice. The balance is due October 14. The final headcount must be received by October 10; changes after that date cannot be guaranteed.

Taskwise Pro — Project Software for Growing Teams

Plan, assign and track every task in one place. Choose the plan that fits your team:

Pay annually and save 20% on any plan. Try any plan free for 30 days — no credit card required.

To: Lars Eriksson <[email protected]>
From: Mia Chandra <[email protected]>
Date: November 19
Subject: Re: Moving from trial to a paid plan

Dear Mr. Eriksson,

Thank you for your message of November 18. Single sign-on is available only with our Business plan. Because you expect to have more than 50 users next year, I would recommend Business now rather than switching later. For your current 12 users on annual billing, the cost would be $230.40 per month.

Your free trial runs through December 3, and you will not be charged unless you choose a plan. If your IT team would like extra time to test single sign-on, just reply and I will extend the trial by one week.

Best regards,
Mia Chandra, Account Manager

To: Elias Wong
From: Carla Mendes, Program Coordinator, Cloudbridge Developers Summit
Date: August 12
Subject: Change to your session time

Dear Mr. Wong,

Because Dr. Yamada’s flight was canceled, his keynote has moved to Saturday and we have reorganized Friday’s program. As a result, your session, “Testing Cloud Apps at Scale,” will now take place on Friday, September 5, at 10:30 A.M. instead of 2:00 P.M. It will run for 45 minutes, followed by 15 minutes for questions.

Please confirm that the new time suits you by August 15 and send your slides by August 20. All speakers receive a complimentary two-day pass, and those who live more than 100 kilometers away also receive one night at the Harbor Inn.

Thank you for your flexibility.
Carla Mendes

Cloudbridge Developers Summit — Friday, September 5 (revised August 12)

Halden Savings Bank
February 3

Dear Customer,

Beginning March 1, Halden Savings Bank will adjust the fees on its checking accounts to reflect rising operating costs. The enclosed table shows the new fees. Customers who keep the minimum daily balance, or who receive direct deposits of at least $1,000 per month, will not be charged the monthly fee on eligible accounts.

You may change your account type without charge until April 30, either at any branch or through online banking. Please note that the new foreign transaction fees apply to all accounts.

Sincerely,
Customer Relations

Checking Account Fees, effective March 1

Direct deposit of $1,000 or more per month waives the monthly fee on Basic and Plus accounts only.

To: Customer Care <[email protected]>
From: Marcus Hale
Date: February 10
Subject: Question about my Plus account

I have a Plus checking account. My average balance is about $3,200, and my employer deposits $2,400 into the account every month. I also travel abroad for work two or three times a year. Based on the notice I received, will I be charged the monthly fee after March 1? Please also tell me whether I can switch to a Basic account without paying anything.

Thank you,
Marcus Hale

Hearth & Vine Bistro — Banquet Manager

Hearth & Vine Bistro seeks a Banquet Manager to oversee private dining events for up to 120 guests, coordinate with the kitchen team, supervise 12 service staff and handle supplier orders.

Requirements: at least four years of hospitality experience, including two in banquets or catering; a current food-safety certificate; availability on weekends. Preferred: experience with event-booking software.

Salary range: $48,000–$56,000, plus a share of the tips pool. Send a CV and cover letter to [email protected] by November 15.

To: [email protected]
From: Paloma Reyes
Date: November 10
Subject: Application — Banquet Manager

I am writing to apply for the position of Banquet Manager. I have six years of hospitality experience: three as a server, followed by three as assistant banquet coordinator at the Grand Orchard Hotel, where I supervised teams of up to ten for weddings of 150 guests. I hold a food-safety certificate, renewed this year, and I have used Eventra booking software daily. I am available on weekends. Because I am currently employed, I would prefer interviews after 5 P.M. or on Mondays.

My CV is attached. Thank you for your consideration.
Paloma Reyes

To: Paloma Reyes
From: Dmitri Volkov, Hearth & Vine Bistro
Date: November 17
Subject: Interview invitation

Dear Ms. Reyes,

Thank you for applying. We would like to invite you to an interview on Monday, November 24, at 10:30 A.M. at the bistro, 88 Quay Street. You will meet our owner, Helena Vogt, and our head chef. The interview includes a short tour of the banquet hall and a 20-minute exercise in which you plan the seating layout for a 100-guest dinner.

Please bring photo identification and a copy of your food-safety certificate. If the time is inconvenient, let me know by November 20.

Best regards,
Dmitri Volkov