CELPIP 4-5 Response Dear sir / madam, hello, i am a customer in your bank. actually, 3 years ago i borrowed about $20000,00 from your bank of kingsway branch and recently i got a E-mail about repayment schedule. totally i know that on 15th May.because often i checked up.if you check my information, you already know that why i borrowed the money.few years ago, i just entered the university. i was pretty happy about it, however, i was not enough financial to myself.now i am going to last semester. so i will take a just 10 credits!therefore i can get a part time job and make a money $1000.00 in a month.so i would like to change the amount of my each month pay money.how about $800 every month.i know it will be take about two and half years, although i want to change it thank you for

CELPIP 7-8 Response Dear the bank manager, I am Ken Hoang who has borrowed 6000 dollars two months ago and I am currently repaying 600 dollars each month on a one-year contract. The money was very important and helpful for me because I have spent all of them in my university tuition of this year and also buying some useful textbooks. I used to work at the restaurant as a part-time waitress and the small salary was insufficient for me to afford my life expense and more repayment at that time. Fortunately, I am so glad that I have been offered a new part-time job in an IT company recently where I can earn as double as before now, which means I am able to return more money to your bank every month. I am planning to repay 800 dollars each month and as a result the new contract length will be reduced to 6 months. I hope that you can approve my new repayment application and look forward to your reply. Your faithfully, Ken Hoang

CELPIP 10-12 Response To whom it may concern, During the fall of 2010, I successfully applied for a small business loan from the Greater National Bank. With the $100,000 I received, I was able to open a shop that creates custom shoes for the elderly. As part of the condition of the loan, my monthly payments were to be in instalments of $500. Due to the ever changing global economy, my small shoe shop has become quite the popular online shopping experience. The yearly gross profits have increased by over %250 over the last 4 years. Now that the business has become highly profitable, I wish to increase the payment size of my business loan. I feel that a monthly payment of $1,000 is now financially feasible and responsible for the longevity of the business. I have calculated that if the profit margins continue at this pace, the business will be able to pay off the entirety of the loan by 2025. Please contact me at your earliest convenience so that we may adjust the details of the loan. I look forward to our continued business and appreciate all the help that your bank has provided. Thank you for your time. Sincerely, Cherise Conway CEO, Grandma’s Shoes

CELPIP 4-5 Response Hello Sir/Madam, I strongly disagree to let people to wear or put a scent at our workplace, however I am also kind of not agree with other policy a scent -free policy because people still could put a scent .Why I am choosing the first option due to the following points: To be honest, I have got an illness once from smelled a strong scent . All the best, Al Hassan

CELPIP 7-8 Response Scent-free working policy is a debatable issue in different companies around Canada. In my opinion, this policy should be applied by all companies in the country. Every one of us would like to have a good smell all the time. However, this good smell might negatively affect the health of other people. As an example, a friend of mine is too sensitive to the strong smells and perfumes and his doctor told him to avoid them. Many other people are such as my friend and we should all respect this special need for them since our freedom ends when it hurts others. In our daily work, we can not limit the people that we will meet everyday, so it is really hard to know if anyone will be negatively affected by the smell of your perfume. Applying a scent-free policy by our company will not insult any employee in the company but it will protect some people who are sensitive to such smells. In our daily work, we can not limit the people that we will meet everyday, so it is really hard to know if anyone will be negatively affected by the smell of your perfume. Applying a scent-free policy by our company will not insult any employee in the company but it will protect some people who are sensitive to such smells.

CELPIP 10-12 Response Hello Phil, I have recently become aware that our workplace is considering adopting a scent-free environment policy. I strongly support this policy change. I believe that the other businesses in this city who have already adopted this policy are setting the standard for how the workplace environment should be. I am of the opinion that people should be free to do whatever they wish so long as their actions do not harm others. There are various groups of people who are extremely sensitive to strong scents and can often suffer from serious health issues after exposure. For some people, strong scents like perfumes or colognes can trigger severe migraine headaches and can sometimes induce temporary blindness. For others, strong smells can trigger respiratory distresses like an asthmatic attack. By allowing workers to wear strong scents in the workplace, the company would be promoting an environment that compromises the health and safety of workers who are susceptible to these smells. Thank you for giving me the opportunity to voice my opinion on this matter. Best regards, Leyla

CELPIP 4-5 Response Dear sir / madam, hello, i am a customer in your bank. actually, 3 years ago i borrowed about $20000,00 from your bank of kingsway branch and recently i got a E-mail about repayment schedule. totally i know that on 15th May.because often i checked up.if you check my information, you already know that why i borrowed the money.few years ago, i just entered the university. i was pretty happy about it, however, i was not enough financial to myself.now i am going to last semester. so i will take a just 10 credits!therefore i can get a part time job and make a money $1000.00 in a month.so i would like to change the amount of my each month pay money.how about $800 every month.i know it will be take about two and half years, although i want to change it thank you for

CELPIP 7-8 Response Dear the bank manager, I am Ken Hoang who has borrowed 6000 dollars two months ago and I am currently repaying 600 dollars each month on a one-year contract. The money was very important and helpful for me because I have spent all of them in my university tuition of this year and also buying some useful textbooks. I used to work at the restaurant as a part-time waitress and the small salary was insufficient for me to afford my life expense and more repayment at that time. Fortunately, I am so glad that I have been offered a new part-time job in an IT company recently where I can earn as double as before now, which means I am able to return more money to your bank every month. I am planning to repay 800 dollars each month and as a result the new contract length will be reduced to 6 months. I hope that you can approve my new repayment application and look forward to your reply. Your faithfully, Ken Hoang

CELPIP 10-12 Response To whom it may concern, During the fall of 2010, I successfully applied for a small business loan from the Greater National Bank. With the $100,000 I received, I was able to open a shop that creates custom shoes for the elderly. As part of the condition of the loan, my monthly payments were to be in instalments of $500. Due to the ever changing global economy, my small shoe shop has become quite the popular online shopping experience. The yearly gross profits have increased by over %250 over the last 4 years. Now that the business has become highly profitable, I wish to increase the payment size of my business loan. I feel that a monthly payment of $1,000 is now financially feasible and responsible for the longevity of the business. I have calculated that if the profit margins continue at this pace, the business will be able to pay off the entirety of the loan by 2025. Please contact me at your earliest convenience so that we may adjust the details of the loan. I look forward to our continued business and appreciate all the help that your bank has provided. Thank you for your time. Sincerely, Cherise Conway CEO, Grandma’s Shoes

CELPIP 4-5 Response Hello Sir/Madam, I strongly disagree to let people to wear or put a scent at our workplace, however I am also kind of not agree with other policy a scent -free policy because people still could put a scent .Why I am choosing the first option due to the following points: To be honest, I have got an illness once from smelled a strong scent . All the best, Al Hassan

CELPIP 7-8 Response Scent-free working policy is a debatable issue in different companies around Canada. In my opinion, this policy should be applied by all companies in the country. Every one of us would like to have a good smell all the time. However, this good smell might negatively affect the health of other people. As an example, a friend of mine is too sensitive to the strong smells and perfumes and his doctor told him to avoid them. Many other people are such as my friend and we should all respect this special need for them since our freedom ends when it hurts others. In our daily work, we can not limit the people that we will meet everyday, so it is really hard to know if anyone will be negatively affected by the smell of your perfume. Applying a scent-free policy by our company will not insult any employee in the company but it will protect some people who are sensitive to such smells. In our daily work, we can not limit the people that we will meet everyday, so it is really hard to know if anyone will be negatively affected by the smell of your perfume. Applying a scent-free policy by our company will not insult any employee in the company but it will protect some people who are sensitive to such smells.

CELPIP 10-12 Response Hello Phil, I have recently become aware that our workplace is considering adopting a scent-free environment policy. I strongly support this policy change. I believe that the other businesses in this city who have already adopted this policy are setting the standard for how the workplace environment should be. I am of the opinion that people should be free to do whatever they wish so long as their actions do not harm others. There are various groups of people who are extremely sensitive to strong scents and can often suffer from serious health issues after exposure. For some people, strong scents like perfumes or colognes can trigger severe migraine headaches and can sometimes induce temporary blindness. For others, strong smells can trigger respiratory distresses like an asthmatic attack. By allowing workers to wear strong scents in the workplace, the company would be promoting an environment that compromises the health and safety of workers who are susceptible to these smells. Thank you for giving me the opportunity to voice my opinion on this matter. Best regards, Leyla