---
title: Banks pay interest on savings, and they charge interest when you bor… — Cards, banks and apps · tree and pragmatics
description: Banks pay interest on savings, and they charge interest when you borrow. Who acts: Banks, you. A sentence of the lesson «Cards, banks and apps» of the adult life course of Mova's primary school with its dependency tree and the pragmatics of every clause.
---

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# Cards, banks and apps, sentence 4

<!-- .ven lang=en -->
Banks pay interest on savings, and they charge interest when you borrow.

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**Who acts:** Banks, you · **What happens:** pay, charge, borrow · **To what, where:** interest, savings

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This is a sentence of the lesson «Cards, banks and apps» of the adult life course of Mova's primary school. The page gives its syntax tree — a dependency tree in the style of Universal Dependencies — and its pragmatics clause by clause: who acts (Banks, you), what happens, when and where, as Mova's frames read it from the tree.

## The tree {#tree}

```conllu
# sent_id = school:adult-life:007-cards-banks-and-apps.lesson:4
# text = Banks pay interest on savings, and they charge interest when you borrow.
# source = school lesson (ours)
# course = adult-life
# lesson = 007-cards-banks-and-apps.lesson
# annotation = Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): no change
1	Banks	bank	NOUN	NNS	Number=Plur	2	nsubj	_	_
2	pay	pay	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	interest	interest	NOUN	NN	Number=Sing	2	obj	_	_
4	on	on	ADP	IN	_	5	case	_	_
5	savings	savings	NOUN	NNS	Number=Ptan	3	nmod	_	_
6	,	,	PUNCT	,	_	9	punct	_	_
7	and	and	CCONJ	CC	_	9	cc	_	_
8	they	they	PRON	PRP	Case=Nom|Number=Plur|Person=3|PronType=Prs	9	nsubj	_	_
9	charge	charge	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	2	conj	_	_
10	interest	interest	NOUN	NN	Number=Sing	9	obj	_	_
11	when	when	ADV	WRB	PronType=Int	13	advmod	_	_
12	you	you	PRON	PRP	Case=Nom|Person=2|PronType=Prs	13	nsubj	_	_
13	borrow	borrow	VERB	VBP	Mood=Ind|Number=Sing|Person=2|Tense=Pres|VerbForm=Fin	9	advcl	_	_
14	.	.	PUNCT	.	_	2	punct	_	_
```

## Pragmatics {#pragmatics}

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- form: statement
- act: assert
- voice: narrator
- polarity: none
- teacher: kept the draft

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **pay** | present | Banks | interest |  | savings |  |  | vn pay-68-1 «NP V NP»: agent=Agent interest=Asset |
| 2 | **charge** | present | Banks *= bank* | interest |  |  |  |  | vn run-51.3.2 «PP.location V NP»: agent=Initial\_Location interest=Theme |
| 3 | **borrow** | present | you |  |  |  |  |  | vn obtain-13.5.2 «NP V NP»: agent=Agent |

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One row per clause the reader finds. «not said here»: a role filled from the clause above. «roles by»: a VerbNet class and frame when one fits the verb, else the reader's rules on the tree.

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**Licence: [CC BY-SA 4.0](https://creativecommons.org/licenses/by-sa/4.0/)**, as the whole of Mova corpus 0.4, of which this treebank (the agreed school, `mova-school-agreed-en.conllu`) is part. The lessons were written for Mova's primary school. Sentence `school:adult-life:007-cards-banks-and-apps.lesson:4`.

**The tree:** Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): no change. **The frames** are read from the tree by Mova's frames reader (`prag`) when this page is built, the lesson read in order, so a pronoun may be resolved from an earlier sentence.

See the [release 0.4](https://md.mova.elamur.ai/free/en/releases/0.4/).

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- ← previous: [Cards, banks and apps, 3](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/3/)
- next →: [Cards, banks and apps, 5](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/5/)
- ↑ back to [the lesson](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/)