·rEAD thE ArtiClE BElow ABout BAnking.
·ChoosE thE BEst worD From thE oppositE pAgE to Fill EACh gAp.
·For EACh quEstion 21-30 mArk onE lEttErA,B,C、orD、on yourAnswEr shEEt.

{{B}}A、ChAllEngE、to trADitionAlBAnking{{/B}} trADitionAl mEthoDs oF BAnking ArE unDEr thrEAt From A nEw typE oF ACCount whiCh is ACtuAlly mEAnt to BE Almost pErpEtuAlly in DEBit. this ACCount, to BE{{u}} (21) {{/u}}in A FEw months’ timE, is in- tEnDED to{{u}} (22) {{/u}}A rAngE oF pErsonAl BAnking sErviCEs, suCh As CurrEnt sC、Counts, mortgAgEs, pEr- sop, Al loAns AnD CrEDit CArDs.CustomErs, who must{{u}} (23) {{/u}}thAt thEy ArE At lEAst FivE yEArs From rEtirEmEnt, will BE rEquirED to{{u}} (24) {{/u}}A mortgAgE oF At lEAst ￡ 50,000 on thEir homEs AnD hAvE thEir sAlAriEs pAiD DirECtly into thE ACCount. thEy will thEn hAvE An AgrEED CrEDit{{u}} (25) {{/u}}oF up to thrEE timEs thEir AnnuAl sAlAry, to usE As thEy wish-As wEll As thE usuAl{{u}} (26) {{/u}}suCh As DEBit, CrEDit AnD CAsh CArDs AnD A ChEquE Book.ACCounts in DEBit will BE ChArgED intErEst At A rAtE oF 8.2 pEr CEnt. this{{u}} (27) {{/u}}FAvourABly with thE stAnDArD mortgAgE rAtE oF 8.45 pEr CEnt, pErsonAl loAn rAtEs oF ArounD 13 pEr CEnt AnD CrEDit CArD{{u}} (28) {{/u}}oF ABout 22 pEr CEnt. whEn thE DEBt is ClEArED- As it must BE By thE timE thE CustomEr rEtirEs-AnD thE ACCount goEs into CrEDit, it will AttrACt intErEst At ABout 5 hEr CEnt. somE ExpErts sAy thAt it will rEvolutionisE pErsonAl BAnking in thE uk.But thE{{u}} (29) {{/u}}hAs BEEn DismissED As A gimmiCk By rivAl BAnks AnD CritiCizED By ConsumEr groups, whiCh ArE voiCing FEArs thAt mAny CustomErs on AvErAgE inComEs CoulD BE{{u}} (30) {{/u}}into sErious DEBt.

A．DEsign
B．sChEmE
C．DEviCE
D．progrAmmE