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ENGLISH BANK OF MAHARASHTRA PO 2016

PART – III
ENGLISH LANGUAGE
Directions (101-105): Rearrange the given six sentences/group of sentences (A), (B), (C), (D), (E) and (F) in a proper sequence so as to form a meaningful paragraph and then answer the given questions.
A.        While an ischemic stroke is a one wherein a clot forms in one of the arteries and stops blood flow to the brain, a hemorrhagic stroke is a one wherein the blood vessels bursts and bleeds, thereby killing the brain cells of the affected region.
B.        Therefore, treatment within the first 8 hours of the onset of symptoms is required to prevent long-term morbidity and mortality.
C.        However, in reality, these are two different phenomena.
D.        Stroke, however, is either a blockage (ischemia) or a rupture (hemorrhage) in an artery that supplies blood to the brain.
E.         It is common notions among people that heart attack and stroke (or brain attack) are one and the same.
F.         As these brain cells die, the person loses control of whatever functions those brain cells perform.
101.     Which of the fallowing should be the SIXTH (LAST) sentence after the rearrangement?
(1) E                (2) B                (3) D                (4) A                (5) C
102.     Which of the following should be the FIFTH sentence after the rearrangement?
(1) F                (2) A                (3) E                (4) C                (5) B
103.     Which of the following should be the THIRD sentence after the rearrangement?
(1) B                (2) A                (3) F                (4) D                (5) E
104.     Which of the following should be the SECOND sentence after the rearrangement?
(1) B                (2) A                (3) E                (4) D                (5) C
105.     Which of the following should be the FIRST sentence after the rearrangement?
(1) F                (2) D                (3) E                (4) C                (5) B
Directions (106-115): Read the following sentences to find out whether there is any grammatical error in them. The error, if any, will be in one part of the sentence. Mark the part with the error as your answer. If there is no error, mark `No error' as your answer. (Ignore the errors of punctuation, if any).
106.     Despite having been inspected and pronounced safe earlier, the century old bridge collapse after a train went across it.
(1) Despite having been inspected                  (2) and pronounced safe earlier
(3) the century old bridge collapse after         (4) a train went across it
(5) No error
107.     The study published last year revealed that the use of body cameras has resulted in sharply dropping false complaints against the police.
(1) The study published last year revealed     (2) that the use of body cameras has
(3) resulted in sharply dropping                      (4) false complaints against the police
(5) No error
108.     At present when urban planners try to understand the patterns of activity in a district they do by conducting surveys.
(1) At present when urban planners                (2) try to understand the patterns
(3) of activity in a district                               (4) they do by conducting surveys
(5) No error
109.     The Prime Minister has stated that changing the 'overwork work culture' in Japan is one of the main arms of the labour reforms he plans to introduce next year.
(1) The Prime Minister has stated that changing
(2) the 'overwork work culture' in Japan
(3) is one of the main arms of the labour reforms
(4) he plans to introduce next year
(5) No error
110.     Just over a year ago, policymakers were worried about China's tumbling stock markets, but now it is China's property market that causing worries at home and abroad.
(1) Just over a year ago, policymakers were worried
(2) about China's tumbling stock markets,
(3) but now it is China's property market
(4) that causing worries at home and abroad
(5) No error
111.     Typical measures that schools employ to boost results include putting the best Teachers in charge of students whom are about to take tests and cutting the time devoted to activities unrelated to exams.
(1) Typical measures that schools employ to
(2) boost results include putting the best Teachers
(3) in charge of students whom are about to take tests
(4) and cutting the time devoted to activities unrelated to exams
(5) No error
112.     This is Africa's largest and most profitable of airline, earning more than all its rivals across the entire continent.
(1) This is Africa's largest and            (2) most profitable of airline, earning
(3) more than all its rivals                    (4) across the entire continent
(5) No error
113.     The government is hoping to raise the electricity generated from nuclear plants from 25 percent to 50 percent since 2020.
(1) The government is hoping             (2) to raise the electricity generated
(3) from nuclear plants from               (4) 25 percent to 50 percent since 2020
(5) No error
114.     Ask economists how best to reduce pollution and the chances are; that they will recommend taxing carbon emissions.
(1) Ask economists how best to          (2) reduce pollution and the chances
(3) are; that they will recommend       (4) taxing carbon emissions
(5) No error
115.     Foreign investors already own about half of the firm which has a market valuation of more than $9 billion.
(1) Foreign investors already own      (2) about half of the firm
(3) which has a market valuation        (4) of more than $9 billion
(5) No error
Directions (116-120): In these questions, each sentence has two blanks, each blank indicating that something has been omitted. Choose the set of words for the blanks which best fits the meaning of the sentence as a whole.
116.     Despite being ………. in minerals, this State remains one ………. the poorest in the country.
(1) dearth, in               (2) abundant, as          (3) rich, of                   (4) despondent, for
(5) scarce, to
117.     The country's education system still ………. very old-fashioned and is in ………. need of a revamp.
(1) languishes, fastidious        (2) stays, firm              (3) stand, imperative
(4) is, quickly                          (5) remains, urgent
118.     ………. injured with a hamstring injury, the player remained in the field ………. for his country.
(1) Even, played          (2) Besides, playing    (3) Inspite, play           (4) Despite, plays
(5) Though, playing
119.     Everything has ………. superfast these days, with the ………. of technology.
(1) gone, evolves         (2) becoming, vanguard          (3) became, initiative
(4) become, advent     (5) been, culling
120.     Ali has had a ………. for trains and endeavors to become a railway engineer ………. He grows up.
(1) liking, what            (2) passion, when        (3) dream, because      (4) pioneer, wherein
(5) penchant, whereas
Directions (121-130): Which of the phrases (1), (2), (3) and (4) given below each sentence should replace the phrases printed in bold in the following sentences to make the sentences grammatically correct. If the sentence is correct as it is and 'No correction is required', mark (5) as the answer.
121.     Both ayurvedic and herbal products has gaining popularity among consumers nowadays.
(1) have gained popularity      (2) is gained popularity           (3) will have gains popularity
(4) is being popular                 (5) No correction required
122.     He is sad to had defrauded many people of lakhs of rupees till date.
(1) be fraud of             (2) defraud      (3) be in defraud of                 (4) have defrauded
(5) No correction required
123.     Ring network technology requires many wiring and is not feasible for connecting too many nodes.
(1) require most wiring            (2) required too more wiring   (3) require much of wires
(4) requires a lot of wiring      (5) No correction required
124.     Within the next decade, healthcare is going to be one of the most lucrative sectors in India.
(1) will go on to          (2) has gone in             (3) has been going to be         
(4) have become          (5) No correction required
125.     Of late, there have some things or the other going wrong in the recruitment department of the organisation.
(1) have been something         (2) had something                   (3) are something
(4) has been something           (5) No correction required
126.     Predicting consumer behaviour and taking business decisions accordingly makes this company so successful:
(1) taking according business decisions          (2) accordingly make business decision
(3) take according business decision               (4) make business according decisions
(5) No correction required
127.     A recent study has revealed that eight out of ten people suffers as vitamin D deficiency.
(1) is suffering in                     (2) suffer from            (3) may be suffered of
(4) will be suffering to            (5) No correction required
128.     From the sweet notes of classical music to the rings of its temple bells, the melody of this area can move you.
(1) ring of bell temple             (2) rings of temple bell            (3) ringing of temple bells
(4) ringing bells of temple       (5) No correction required
129.     Diwali is gaining increasingly popular today and is being celebrated all over the world.
(1) became increasingly popularly       (2) gaining increasing popularity
(3) gained populous                (4) so more popular than         (5) No correction required
130.     There was a falling out in the team after they lost the football match to their arch rivals.
(1) fall of         (2) falling apart           (3) fell enough             (4) fall over
(5) No correction required
Directions (131-140): Read the following passage carefully and answer the questions given. Certain words/phrases have been given in bold to help you locate them while answering some of the questions.
Life is expensive for America's poor, with financial services the primary culprit; something that also afflicts migrants sending money home. Some 8% of American households and nearly one in three whose income is less than $15000 a year do not have a bank account. More than half of this group says banking is too expensive for them. Many cannot maintain the minimum balance necessary to avoid monthly fees; for others; the risk of being walloped with unexpected fees looms too large.
Doing without banks makes life costlier; but in a routine way. Cashing a pay cheque at a credit union or similar outlet typically costs 2-5% of the cheque's value. The unbanked often end up paying two sets of fees one to turn their pay cheque into cash, another to turn their cash into a money order says Joe Valents of the Centre for American Progress, a think-tank. In 2008, the Brookings Institution, another think tank, estimated that such fees can accumulate to $40,000 over the career of a full-time worker.
Pre-paid debt cards are growing in popularity as an alternative to bank accounts. A renowned consultancy estimates that deposits on such cards rose by 5% to $570 billion in 2014. Though receiving wages or benefits on pre-paid cards is cheaper than cashing cheques, such cards typically charge plenty of other fees. Many States issue their own pre-paid cards to dispense welfare payments. As a result, those who do not live near the right bank lose out, either from ATM withdrawal charges or from a long trek to make g withdrawal. Other terms can rankle; in Indiana; welfare cards allow only one free ATM withdrawal a month. If claimants check their balance at a machine, it costs 40 cents.
To access credit, poor typically rely on high-cost payday lenders. In 2013 the median such loan was $350, lasted two weeks and carried a charge of $15 per $100 borrowed an interest rate of 322% (a typical credit card charges 15%). Nearly half of those who borrowed using payday loans did so more than ten times in 2013, with the median borrower paying $458 in fees. In 2014 nearly half of American households said they could not cover an unexpected $400 expense without borrowing or selling something. 2% said this would cause them to resort to payday lending.
Costly credit does not mix well with lumpy welfare payments. The earned-income tax credit (EITC), an income top-up for poor families, is paid annually, as part of a tax refund. The total refund can run into thousands of dollars, making it worth more than many families' monthly pay cheque. Unsurprisingly, cash-strapped households seek to borrow against this windfall in advance. Regulators have recently nudged banks away from issuing high-cost short-term loans secured against imminent tax refunds. But it is still common to borrow to cover the cost of applying for the EITC. In 2014 almost 22 million consumers used 'refund anticipation cheques', which offer a loan to pay the filing costs and collect repayment automatically when the refund arrives. These products typically costs between $25 and $60 for credit that lasts only a few weeks.
How might financial services be made cheaper for the poor? Mobile banking looks promising. But the poor are not yet well placed to benefit from the mobile revolution, in financial services or otherwise. Only half of those earning less than $30,000 per year own a smartphone, compared with 70% of more of those in higher income groups. Nearly, half those who do manage it have had to temporarily cancel their service for financial reasons. That might itself be the result of disparate prices; those with poor credit ratings rely on pre-paid SIM cards, which unlike normal monthly contracts do not come with a hefty discount for the handset. Low smartphone preparation in turn makes life more expensive in other ways. The unconnected do not benefit from the cheap communication, education and even transport the app economy provides. A quarter of poor households do not use the internet at all, which makes seeking out low prices harder.
131.     As mentioned in the passage, many poor American are reluctant to open a bank account because ……….
A.        they prefer traditional methods of handling their finances.
B.        they are unwilling to provide the required documents.
C.        they find it difficult to fulfill the requirements stipulated by banks.
(1) Only A       (2) Only B       (3) Only C       (4) Both B and C        (5) Both A and C
132.     Which of the following is most nearly the same in meaning as the word 'RANKLE' as used in the passage?
(1) Please         (2) Beware      (3) Irk              (4) Appease                 (5) Written
133.     As mentioned in the passage, one of the reasons mobile banking may prove to be a costly affair for the poor is ………. 
(1)        there are not enough service providers to cater to the needs of these segment of people.
(2)        they are unable to take advantage of the services owing to financial charges of banks.
(3)        incidences of theft of mobile phones is high.
(4)        there are no latest hi-tech smartphones available to the poor.
(5)        None of the given options
134.     Which of the following is most nearly the opposite in meaning to the word 'PROMISING' as used in the passage?
(1) Hopeless    (2) Worthwhile            (3) Desperate   (4) Tangible     (5) Unhappy
135.     Which of the following is most nearly the same in meaning to the word 'NUDGED' as used in the passage?
(1) Pushed       (2) Overwhelmed        (3) Judged       (4) Welcomed             (5) Annoyed
136.     As mentioned in the passage, pre-paid Cards are gaining popularity because ……….
A.        It is very convenient to withdraw money using such cards.
B.        these are durable.
C.        these make provision to withdraw money without any additional fee.
(1) Only A       (2) Only B       (3) Only C       (4) All A, B and C      (5) Both A and B
137.     Which of the following is most nearly the opposite in meaning to the word 'DISPARATE' as used in the passage?
(1) Distant       (2) Similar       (3) Equity        (4) Anonymous           (5) Destructive
138.     Which of the following can be a suitable title for the passage?
(1) Living the American Dream Not A Distant Dream Anymore
(2) Technology The Only Tool To Alleviate The Poor
(3) Understanding - The Household Economics
(4) Exploring A Rich Nation Of Poor People
(5) Innovative Ways Of Banking And Their Success Stories
139.     Which of the following is TRUE in the context of the passage?
(1) More than seventy percent of those who earn less than $30,000 per year do not have smartphones.
(2) Welfare programs for uplifting the poor have been extremely fruitful so far.
(3) The EITC is given bi-annually to support the poor.
(4) Payday lenders are quite popular among the poor.
(5) All the given options are true
140.     Which of the following explains the meaning of the phrase 'looms too large' as used in the passage?
(1) Can be taken care of          (2) Is acceptable          (3) Is awaited              (4) Is morbid
(5) Appears threatening
Directions (141-150): In the given passage, there are blanks each of which has been numbered. Against each, five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.
A social entrepreneur is one who develops an innovative answer to a social problem (for instance a business model for helping to tackle poverty). A decade ago, the term was scarcely heard: today, everyone wants to be bring ………. (141) ………. The idea behind social entrepreneurship is that fresh business like ideas Will ………. (142) ………. a productivity miracle in the 'social sector' similar to the one that ………. (143) ………. in business in 1990s. Already a growing number of social entrepreneurs have made a ………. (144) ………. The best known is Muhammad Yunus, founder of Grameen a microfinance organisation. Another ………. (145) ………. example is Wendy Kopp, the founder of Teach for America which puts thousands of recent ………. (146) ………. from leading universities to work as teachers in some of the country's worst schools.
However ………. (147) ………. far, the enthusiasm for social entrepreneurship has run ahead of its affects. The ………. (148) ………. has not been a lack of good idea. Innovative projects have ameliorated seemingly ………. (149) ………. Social troubles for instance by reducing rates of reoffending by former prisoners or by ………. (150) ………. prisoners from rougher parts of American cities to graduate from college: The problem is of speed and scale. Successful innovations have spread only slowly, if at all. Policymakers hope that with encouragement from the government, social entrepreneurs best ideas can be spread faster and wider.
141.     (1) grown        (2) rich             (3) one             (4) greatest      (5) part
142.     (1) from           (2) into            (3) away          (4) about          (5) end
143.     (1) start            (2) achieved    (3) occur          (4) cropped      (5) began
144.     (1) mark           (2) blot            (3) show          (4) fool            (5) sign
145.     (1) one             (2) indirect      (3) high            (4) funny         (5) prominent
146.     (1) dropout      (2) graduates   (3) steps           (4) official       (5) upstart
147.     (1) too                         (2) accordingly            (3) as   (4) hence         (5) so
148.     (1) problem      (2) crises          (3) key             (4) solution      (5) resolution
149.     (1) creative      (2) hopeless     (3) helpful       (4) worth         (5) wonderful
150.     (1) preventing (2) improving (3) alleviating (4) bettering    (5) helping

ANSWERS:
101. (2) ;          102. (1) ;          103. (4) ;          104. (5) ;          105. (3) ;
106. (3) ;          Use 'had collapsed' is place of 'collapse'.
107. (2) ;         
108. (4) ;          Use 'they do so by' in place of 'they do by'.
109. (1)           
110. (4) ;          Use 'that is causing' in place of 'that causing'.
111. (3) ;
112. (2) ;          Remove 'or from the sentence.
113. (4) ;          Use `by' in place of 'since'.
114. (5) ;          No error
115. (5) ;          No error
116. (3) ;          117. (3) ;          118. (1) ;          119. (4) ;          120. (2) ;
121. (1) ;          122. (4) ;          123. (4) ;          124. (5) ;          125. (4) ;
126. (5) ;          127. (2) ;          128. (3) ;          129. (2) ;          130. (5) ;
131. (3) ;          132. (3) ;          133. (4) ;          134. (1) ;          135. (1) ;
136. (1) ;          137. (2) ;          138. (4) ;          139. (4) ;          140. (5) ;
141. (3) ;          142. (4) ;          143. (5) ;          144. (1) ;          145. (5);

146: (2) ;          147. (5) ;          148. (1) ;          149. (2) ;          150. (5) ;

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