1.

Squint – щуриться ; прищур , косоглазие

2. Crumpled – помятый
3. Scrap – металлолом, отходы
4. Reconcile – 1) примириться 2) увязать
5. Grubby – неряшливый, чумазый
6. rags-to-riches – из грязи в князи
7. pull / lift / raise / drag oneself (up) by one's (own) bootstraps — 1) пробивать себе дорогу, пробиваться
(без посторонней помощи) 2.– вытянуть себя из ситуации
8. staggering wealth – богатство, кот поражает воображение
9. rub off on smb – отразиться на ком-то / повлиять, передаться
10. snap – ударить, дать пощечину
11. daft [dɑːft, dæft] – тупой, глупый
12. acumen ['ækjumen] / əˈkjuːmən]– хватка, чутье, проницательность
13. business acumen – деловая хватка
14. entrepreneurial – предпринимательский
15. learn the ropes – знать досконально, научиться всему
16. no-brainer – ежу понятно, легкое дело
17. haggle – торговаться, договариваться о сделке
18. withdraw loans to customers - отозвать кредиты у клиентов
19. preventing them from buying - лишив их возможности покупать
20. to take matters into his own hands - взять дело в свои руки
21. The default rate – процент / количество невозврата
22. Faze – смутить, остановить, отпугнуть
23. It didn’t faze him - это его не смутило / не остановило
24. Saver – вкладчик
25. Investor – инвестор
26. Earn paltry interest on the deposit – зарабатывать ничтожные проценты по депозиту
27. Borrowers – заемщики
28. a good credit record - хорошая кредитная история
29. assess – оценивать
30. vet – проверять (личность)
31. passed on to various charities – передал на благотворительность
32. shrug off- отмахиваться, не обращать внимания
33. trappings of success – атрибуты успеха

Incredible story of Dave Fishwick, the poor lad from Burnley's cobbled streets who
grew up to be a local hero - and turned up in a £225k Ferrari to watch Netflix make
a movie of his life
The little boy squints in the sunshine, his hand-me-down uniform misshapen and crumpled. His modest,
terraced home in Burnley – in the very heart of the industrial North – still had an outside toilet in the 1970s.
There was no money for a television, and the toys he and his brother played with along the town's cobbled
lanes were nailed together from scrap found at the tip.

Indeed, it's hard today to reconcile that grubby child with the well-groomed multi-millionaire businessman
he has become.

It's a classic rags-to-riches tale but with a heart-warming philanthropic twist.

In 1971, when he was born, Burnley was like many Northern towns – slipping into decline with the collapse
of the once-booming textile industry and the closure of the coal mines which had supported so many
families for generations.

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Dave credits his father, Tony, for his work ethic, which 'definitely rubbed off on me'. Tony worked two jobs,
waking at 4.30am for his first shift as a farm labourer before going on to his second job, as a supervisor at a
mill, at lunchtime. He left work at 10pm every night.

Tormented at school by bullies because of the thick NHS prescription glasses he wore, Dave learned an
important lesson when he snapped and hit a bully back. 'It stopped – and I realised bullies don't like being
challenged. It's something that has always stuck with me.'

There was little in the way of career options outside the mill or building sites for teenagers in the late
1980s, and 15-year-old Dave, fed up with school which made him feel daft, chose the latter.

It taught him skills such as how to pebble-dash a house and, crucially, some business acumen that
awakened his entrepreneurial instinct.

With a long-standing passion for cars, Dave decided to embark on his first money-making experiment. Still
only 17, he went round garages, asking them to take a chance on him. One let him clean up and sell a
Vauxhall Cavalier. Any profit over £70 he could keep. 'I sold it for £97, making £27 – a week's wages in a
couple of hours. I was on to something.'

He wanted to do more of the same thing, yet borrowing money proved almost impossible. The banks, he
says, simply wouldn't lend him anything. So he vowed to do it his own way – avoid debt and pay upfront for
everything. 'I learnt the ropes, borrowed equipment and did nights. I did that for a few years, often six
nights per week. He kept the money from his car sales for the future. Soon he had enough to buy his own
garage in nearby Nelson, selling cars himself.

For a while Dave pulled himself up by his bootstraps to make his fortune selling vans and minibuses. It was
a no-brainer: he set up his own company, David Fishwick Minibus Sales, which became a roaring success.
The business still operates, selling vehicles around the world. Dave even taught himself Spanish to haggle
with buyers from one of his biggest markets. 'After three years, I became fluent,' he adds, modestly. But in
2009 the company hit an unexpected crisis. The financial crash caused the banks to withdraw loans to his
customers, preventing them from buying and threatening the future of his business.

'The customers weren't doing anything differently and were still able to repay. It was the banks who were
having the problems, and lowering the bar.'

Frustrated, and already a self-made millionaire, Dave decided to take matters into his own hands – and
began lending his own cash to his local clients. 'Banks were being incredibly harsh. Community businesses
were struggling terribly. 'Most of those businesses paid the money back on time. The default rate was low. I
wanted to help.' That he had no experience in banking, or a banking licence, did not faze him.

He fought London's elite banking institutions to set up a community bank lending money to those in need
to help businesses survive in the wake of the financial crash. He also battled class snobbery, which he
shrugged off.

One expert told him: 'If you went to the right school and had the right parents you might be considered a fit
and proper person to go into the banking industry… there is no evidence you are.'

Such licences can take years to secure. In the past 100 years, only one – for Metro Bank – had been granted
before Dave's. But while he waited, he set up in the town centre, and – unable to call himself a bank
without the licence – erected a sign bearing a slogan that simply said 'Bank on Dave!'

The Bank on Dave employed a unique lending model. It linked savers in Burnley earning paltry interest on
their deposits with local businesses desperately in need of loans. Borrowers with a good credit record were
charged 8.9 per cent interest, while investors could make five per cent on their savings. Any profits went to
charity. Applicants for loans were assessed by a local bank manager who made decisions based on deep

2
personal knowledge rather than the algorithm used by major banks to accept or reject applicants. At the
beginning, Dave even personally vetted each one himself.

'I have a 97-98 per cent repayment rate and I think it's because I always tell customers that for every £1
they don't pay back, that's £1 I can't lend to anyone else,' Dave said at the time.

The enterprise has been a runaway success. After six months of trading the bank had already returned a
profit, which Dave passed on to various charities, including food banks and community centres.

In the past ten years it has lent nearly £30 million, and has a three-year waiting list for customers to open a
savings account.

Some local shops know they probably would be out of business but for the Bank of Dave.

Dave, who has also been the subject of a Channel 4 documentary, has always shied away from talking
about his poverty-stricken background. 'I know what it's like to have absolutely nothing. There is only one
way from there and that's upwards. I truly believe hard work puts you where some good luck can find you.
But I have never forgotten what it's like being poor – and the drive and determination from that helps push
you forward. In an interview he describes how it not only motivated him to work hard for his staggering
wealth, but made him determined to help his community, too. 'I wanted to make a real difference to the
people of Burnley and across Lancashire.'

Despite remaining humble, Dave has no reservations about enjoying the perks of his wealth. He now lives in
a beautiful house a world away from the terraced home where he grew up.

Along with the Ferrari, he also owns – and pilots – a helicopter which once belonged to the Duke of
Westminster. Some say Dave himself is now worth a cool half a billion, but there's little trace of it in his
affable manner, the Lancastrian accent still proudly intact.

Last week, the 50-year-old was photographed arriving in a very different setting. Stepping out of his
£225,000 scarlet Ferrari, Dave was visiting the film set where his extraordinary life is being turned into a
big-budget Netflix biopic. Today the grateful people of Burnley have got used to seeing their local hero
mingle with the stars of the film.

Despite Dave's trappings of success, they mainly remember him as the man who helped them when the
banks would not.

Ex.1 Translate quickly

1. 1) пробивать себе дорогу, пробиваться (без посторонней помощи) 2.– вытянуть себя из ситуации
2. отразиться на ком-то / повлиять
3. тупой, глупый
4. ударить, дать пощечину
5. богатство, кот поражает воображение
6. знать досконально, научиться всему
7. проверять (личность)
8. оценивать
9. отмахиваться, не обращать внимания
10. зарабатывать ничтожные проценты по депозиту
11. взять дело в свои руки
12. помятый
13. 1) примириться 2) увязать
14. неряшливый, чумазый
15. щуриться
16. металлолом, отходы
17. торговаться, договариваться о сделке
18. из грязи в князи

3
 19. хватка, чутье, проницательность
20. предпринимательский
21. ежу понятно, легкое дело
22. деловая хватка
23. смутить, остановить, отпугнуть
24. хорошая кредитная история
25. атрибуты успеха
26. инвестор
27. передал на благотворительность
28. отозвать кредиты у клиентов
29. лишив их возможности покупать
30. процент / количество невозврата
31. это его не смутило / не остановило
32. вкладчик
33. заемщики

Ex. 2 Fill in the blanks

1. squint
2. learn the ropes
3. vet
4. shrug off
5. trappings of success
6. rub off on
7. pull up myself by my bootstraps
8. haggle
9. rags-to-riches
10. reconcile
11. daft
12. faze
13. business acumen
14. crumpled
1. I can ______________________, thank you very much.
2. Helen Hunt has her "signature" ______ .
3. Mother wishes her self-discipline could __________ her younger son. And maybe her good sense
of humour will _________ him too.
4. In any case, for this activity ______________ is required as well as knowledge of the principles of
the selected market sectors.
5. Such claims are hard to ________ with historical and anthropological facts.
6. There was half-eaten food, _______ tissues, pictures of their families.
7. Even though he had broken his leg before, it didn't ______ him.
8. First and foremost, you'll need to _________ about starting a business in your unique locality.
9. Oh, erm, ______ question...
10. At events organized in the hotel, he would normally ______ uncomfortable questions, so we
needed to look for a better venue for the confrontation.
11. As we get older, our lives are less about material things, possessions, cars and the usual ______ and
more about life-enriching and unique experiences.
12. I won't _____ about a few dollars with a man in his situation.
13. It said it would _____ and publish relevant material but "respecting our journalistic and ethical
rules".
14. He started off his business career by selling newspapers and what followed is a classic _______
story.

Ex.3 Fill in the blanks

4
The little boy s____ in the sunshine, his h___-me-down uniform misshapen and c____. The toys he and his
brother played with a____ the town's cobbled lanes were n_____ together from s____ found at the tip.

Indeed, it's hard today to r____ that grubby child with the well-g_____ multi-millionaire businessman he
has become.

It's a classic r____-to-riches tale but with a heart-warming philanthropic t____.

In 1971, when he was born, Burnley was like many Northern towns – s_____ into decline with the collapse
of the once-b_____ textile industry and the c_____ of the coal mines which had supported so many families
for generations.

Dave c____ his father, Tony, for his work ethic, which 'definitely r___ off on me'.

T____ at school by bullies because of the thick NHS p___ glasses he wore, Dave learned an important
lesson when he s___ and hit a bully back. 'It stopped – and I r____bullies don't like being c____. It's
something that has always s____ with me.'

Dave, f____up with school which made him feel d____, chose to be a labourer.

It taught him skills such as how to pebble-da___ a house and, crucially, some business a____ that
awakened his e_____ instinct.

Dave decided to e____ on his first money-making experiment.

He wanted to do more of the same thing, yet borrowing money p____ almost impossible. The banks, he
says, simply wouldn't l____ him anything. So he v____ to do it his own way – avoid debt and pay u____ for
everything. 'I learnt the r____, borrowed equipment and did nights.

For a while Dave p____ himself up by his b____ to make his fortune selling vans and minibuses. It was a
no-b___: he set u___ his own company, David Fishwick Minibus Sales, which became a r____ success. The
business still o_____, s_____ vehicles around the world. Dave even taught himself Spanish to h___ with
buyers from one of his biggest markets. 'After three years, I became f____,' he adds, m____. But in 2009
the company hit an u_____ crisis. The financial crash c___ the banks to w____ loans to his customers,
p_____ them from buying and t_____ the future of his business.

Dave decided to t____ matters into his own hands – and began l_____ his own cash to his local clients.
'Banks were being incredibly h_____. Community businesses were s_____ terribly. The d____ rate was low.
T___ he had no experience in banking, or a banking l____, did not f___ him.

He f____ London's elite banking institutions to set up a c____ bank lending money to those in n____ to help
businesses s____ in the wake of the financial crash. He also b____ class snobbery, which he s____ off.

One expert told him: 'If you went to the r___ school and had the right parents you m____ be considered a
fit and p____ person to go into the banking industry… there is no e____ you are.'

Such licences can take years to s____. In the past 100 years, only one – for Metro Bank – h___ been g___
before Dave's. He e____ a sign b____ a slogan that simply said 'Bank on Dave!'

The Bank on Dave e____ a unique lending model. It l___ savers in Burnley earning p___ interest on their
deposits with local businesses d____ in need of loans. B___ with a good credit record were c___ 8.9 per
cent interest, while investors could make five per cent on their s____. Any profits went to c____. A_____
for loans were a____ by a local bank manager who made decisions b____ on deep personal knowledge
rather than the algorithm used by major banks to a____ or r___ applicants. At the beginning, Dave even
personally v___ each one himself.

'I have a 97-98 per cent r___ rate and I think it's because I always tell customers that for every £1 they
don't pay b___, that's £1 I can't lend to a___ else,' Dave said at the time.
5
The e___ has been a r_____ success. After six months of t___ the bank had already r____ a profit, which
Dave p____ on to various charities, including food banks and community centres.

In the past ten years it has l___ nearly £30 million, and has a three-year w___ list for customers to open a
s___ account.

Dave, who has also been the s____ of a Channel 4 documentary, has always s____ away from talking about
his poverty-s___background. But I have never forgotten what it's like b____ poor – and the d___ and d___
from that helps p___ you forward. In an interview he describes how it not only m_____ him to work hard
for his s_____ wealth, but m____ him determined to help his community, too. 'I wanted to make a real
d____ to the people of Burnley and a____ Lancashire.'

D____ remaining humble, Dave has no r____ about enjoying the p___ of his wealth. He now lives in a
beautiful house a w____ away from the terraced home where he g___up.

Along with the Ferrari, he also o___ – and pilots – a helicopter which once b___ to the Duke of
Westminster. Some say Dave himself is now w___ a cool half a billion, but there's little trace of it in his
a____ manner, the Lancastrian accent still proudly i___.

Last week, the 50-year-old was photographed a___ in a very different setting. S___ out of his £225,000
scarlet Ferrari, Dave was visiting the film s___ where his extraordinary life is being t___ into a big-budget
Netflix biopic. Today the g___people of Burnley have got used to s___ their local hero m___ with the stars
of the film.

D____ Dave's t____ of success, they m____ remember him as the man who helped them when the banks
w___ not.

Ex.4 Dialogue

1. hand-me-down misshapen uniform 1. it's hard today to reconcile that grubby

child
2. A biopic 2. a classic rags-to-riches tale but with a
heart-warming philanthropic twist
3. Family background 3. no money for a television, toys
4. Attitude to his father 4. credits his father
5. Pleasant school years 5. Tormented at school by bullies
6. University qualifications 6. fed up with school which made him feel
daft
7. Local career options 7. Limited options
8. Acquired skills 8. Apart from pebble-dashing a house, got
some business acumen
9. his first money-making deal 9. Selling cars
10. Expanding business opportunities 10. borrowing money proved almost
impossible; conclusion
11. Period from pulling himself up by his 11. Not long
bootstraps to making his fortune
12. David Fishwick Minibus Sales company 12. Roaring success. The business still operates
13. unexpected crisis in 2009 13. caused the banks to withdraw loans to his
customers;
14. solution 14. take matters into his own hands
15. His assumption of success 15. The default rate was low
16. Obstacles encountered 16. fought London's elite banking institutions;
snobbism
17. Banking licence regulations 17. Take years to secure
18. Was not fazed 18. a unique lending model

6
19. Reason for his profitable banking business 19. Loyalty to the community; determination
to assist the local business
20. Meet the goal 20. enterprise has been a runaway success
21. His current lifestyle 21. a world away from previous conditions