The original building and loan associations were organized


The original building and loan associations were organized as limited life funds, whose members made monthly payments on their share subscriptions, then taking turns drawing on the funds for home mortgages.

Option A
Option B
Option C
Option D
Option E

(This question is from Official Guide. Therefore, because of copyrights, the complete question cannot be copied here. The question can be accessed at GMAT Club)


Sentence Analysis

The sentence says that some associations were organized as limited life funds. Its members made monthly payments on their share subscriptions, and then they took turns to draw on the funds. This is what the sentence seems to mean.

However, we see that “taking” is a verb-ing modifier in the sentence preceded by a comma. Thus, grammatically, it should modify the preceding clause. However, it doesn’t seem to provide any additional information about the preceding clause. Rather, it seems to present another action that is parallel to and happens after the action of making monthly payments. Therefore, this structure (using verb-ing modifier) in the sentence is incorrect.

The original sentence, thus, has one error.

Option Analysis

(A) Incorrect. For the error described above.

(B) Incorrect. “taking” after ‘and’ is not parallel to anything before ‘and’.

(C) Correct. This option corrects the error in the original sentence by presenting the action of “taking” as the second verb “took”.

(D) Incorrect. “they drew…” is a separate independent clause, not joined properly with the independent clause before it. Also, now, it is not clear that they took turns for what!

(E) Incorrect. “drew what?” and “taking turns to do what on the funds?” are the two questions that this option leads to. Clearly, the option is severely distorting the meaning of the original sentence, or rather, this option is not leading to any meaning at all!

About Chiranjeev Singh

An Alumnus of IIM Ahmedabad and with scores of 780 (2017) and 770 (2013) on GMAT and 99.98%ile on CAT, Chiranjeev is one of the most qualified GMAT tutors in India. Chiranjeev has earlier served as Director of Curriculum at e-GMAT. Chiranjeev has been helping students ace GMAT since 2012. He follows a concept-based methodology to teaching GMAT and is very committed to student success. You may contact him for any private GMAT tutoring needs at He conducts online sessions for students across the world.

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