Directions: Each of the following sentences in this section has a blank space with four words or group of words given. Select whichever word or group of words you consider the most appropriate for the blank space and indicate your response on the Answer Sheet accordingly.

Banking is ___(1)____ essential building block to reach greater prosperity and help build a better system ____(2)____ financial services can create a path out of poverty. However, big traditional banks often exclude low-income populations ____(3)____ requirements or by using historically discriminatory practices that keep ____(4)____ low-income customers ____(5)____ from formal finance. Modern lifestyles are predicated based____(6)______  debt. If you have a stable and reliable income, have a bank account with access to a range  ____(7)_____ modern financial products, you can manage your debts efficiently. This  _____(8)____  what the entire financial system is for. But debt ___(9)___ a lifetime’s trap if you don’t have easy access to ____(10)____ financial products.