The word <em>that </em>is used as a relative pronoun here, it can be interchanged with the pronoun <em>which, </em>and both are used to connect two parts of a sentence.
Answer:
Indirect speech:
<em>that he never been to Boston</em>
<em>that they might agree to do that</em>
<em>that Tom wouldn´t enjoy that movie</em>
Explanation:
The indirect speech refers to the part of a sentence that shows what a 3rd person has said or thought or expressed otherwise. Therefore, the indirect speech starts after:
<em>Tom told...</em>
<em>They told us...</em>
<em>Marie said...</em>
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A savings account is an alternative to saving funds in some bank. Among several tools available, the following stand out:
1) Cash Income - Savings accounts are sources of cash income applied. If you do not use, the amount will grow according to the current interest rate.
2) The ability to view statements, make transfers and other services online, without leaving home.
3) Use ATM networks to withdraw money when needed.