Write sentences with modals.

1. I / call / the bank/ about my lost credit card / ✓ (necessity - present)
2. you / usually / serve / customers in the morning / ? (obligation - present)
3. you / pay / fees / when you overdraw your account / ✕ (lack of necessity - present)
4. he / make / an appointment with the loan officer / ? (necessity - present)
5. we / pay / penalties on our account / ✕ (lack of necessity - future)
6. he / talk / to customers in an unfriendly way. His boss is not happy with him. / ✕ (prohibition - present)